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Credit Suisse Interview Questions in Singapore
Interview Experience
Interview Experience
Getting an Interview
Getting an Interview
Interview Difficulty
Interviews for Top Jobs at Credit Suisse
- Summer Analyst (66)
- IT Summer Analyst (26)
- Analyst (25)
- Investment Banking Analyst (20)
- Business Analyst (18)
- Intern (17)
- Technical Analyst (14)
- Assistant Vice President (11)
- IT Analyst (11)
- Operations Analyst (10)
- Vice President (9)
- Technology Analyst (7)
- Software Developer (7)
- Quantitative Analyst (7)
- Project Manager (7)
- Financial Analyst (7)
- Product Controller (6)
- Product Control (6)
- Exempt Non Officer (5)
- Summer Associate (5)
- Internship (5)
- Associate (5)
- Director (4)
- Quantitative Associate (4)
- Equity Research Associate (3)
- Operations Summer Analyst (3)
- Assistant Vice-President (3)
- Information Technology Analyst (3)
- Summer Intern (3)
40 Candidate Interview Reviews Back to all InterviewsSort: Popular Date Difficulty
- Application Details
I applied online – interviewed at Credit Suisse in December 2014.Interview Details
I applied for the Summer Analyst in Operations online and I had to undergo a Group Assessment Interview where 6 of us had to work on a topic and subsequently present on it.
After the Group Assessment Interview, I went for the Individual Interview, consisting of 2 1-on-1 sessions of around 30 min per interview. One of the interview is based on what is in your resume; the interviewer questioned me about the things I've included in my resume. The other interview is competency based and asked me 5 questions that are not related to my resume at all.Interview Questions
No OfferPositive ExperienceAverage Interview
- Tell me an instance where you have done something wrong and nobody noticed. Answer Question
- Application Details
I applied online. The process took 4+ weeks – interviewed at Credit Suisse in October 2014.Interview Details
4 rounds in total (additional this year)
1st round online numerical and verbal test
2nd round team presentation
3rd round 2x 1 on 1 interview
4th round pair programming with manager.
All fairly easy but 4th round pretty toughInterview Questions
Negotiation DetailsAble to negotiate payAccepted OfferPositive ExperienceDifficult Interview
- What is leadership to you Answer Question
- Why banking? Answer Question
- Application Details
I applied online. The process took 5+ weeks – interviewed at Credit Suisse.Interview Details
The hiring process is as this:
Doing verbal/quantitative questions online -> submit resume -> receive a call and schedule interview time -> phone interview -> onsite interview (including presentation, 1:1 interview, group interview) -> second onsite interview (business case analysis) -> get the offerInterview Questions
Accepted OfferNeutral ExperienceEasy Interview
- no technical interviews, although i applied a technical job Answer Question
- Application Details
I applied through a staffing agency. The process took 6+ weeks – interviewed at Credit Suisse.Interview Details
Hiring process for my recent application to Credit Suisse began with an agency in Singapore processing my profile. They processed it for 35 days, then came back with the interview date fixed after another couple of weeks.
Interview was straight forward, pointing to my experience. However it was challenging at certain instances. Surprised that there were no scenario based questions for a banking/IT position. I was expecting the scenario based questions, but it was not asked.
Client expressed positive review in the interview. They even explained what they were up to. I only had to ask what would be the role and the career path from then on.Interview Questions
Negotiation DetailsPros: Excellent private banking client, setup has a standard across regions. CS always prefers past employees and contractors for any roles, as they already have a good idea of their setup. The knowledge you can gain from working with CS would definitely shape your career.
- No difficult/unexpected questions, I was a past employee, I know things that are happening around in Credit Suisse. Answer Question
Cons: Mostly CS has budget issues and financial problems across Private Banking and Investment Banking. It is not encouraged to take up contract roles with CS, as it is the most vulnerable position at any CS office. I have seen 15 contractors(working with CS for over 4 yrs) getting fired on a single day, for cost-cutting reasons.
Things to watch: You must have good negotiating skills. If you are an experienced IT professional, and if it is your first interview with CS, only quote a market rate salary and benefits, nothing less. Do not negotiate unless they say it is very very difficult(They normally say, it is over our budget or something, then you can negotiate). Also, please check with them on the available benefits, currently they have removed most of the benefits for employees which were available in the past.
Since there would definitely be some cost-cutting across the IT sector, it is not advised to negotiate a lot on the expected financials. It is not worth it. You WILL get a pay cut or allowance cut sometime in the future, if you are with the same CS entity.Accepted OfferNeutral ExperienceDifficult Interview
- Application Details
I applied through a staffing agency. The process took 4+ weeks – interviewed at Credit Suisse.Interview Details
initial phone interview and then followed by one on one discussion, then it takes a about 1 to 2 weeks to complete the interview for other candidate and then based on selection people will be called upon.Interview Questions
Accepted OfferPositive ExperienceAverage Interview
- analytical questions are unexpected based on scnearios View Answer
- Application Details
I applied online. The process took a day – interviewed at Credit Suisse in March 2014.Interview Details
First round is a group assessment - You will be asked to discuss a social issue with your fellow candidates and to make a short presentation following the discussion. After that, there is a short Q&A session with the panel. There are time limits stipulated for each section - brainstorming, group discussion, presentation, etc.Interview Questions
No OfferAverage Interview
- The questions are not difficult. However, it is unclear how the candidates are being judged based upon. Obviously doing things to stand out would be helpful but not the only factor in their selection process. Answer Question
- Application Details
I applied online. The process took a week – interviewed at Credit Suisse.Interview Details
Group Assessment followed by individual interviewsInterview Questions
No OfferNeutral ExperienceAverage Interview
- Solve 0.8 to the power of 8. Answer Question
- Interview Details
Recruiter found my CV online, e-mailed me if I was interested in the position, and followed up with a telephone conversation, and what I would consider as a preliminary interview. Was asked questions on my background, past experiences, strengths, weaknesses, how comfortable I as with quantitative analysis, etc. This was followed by an interview with two employees in the division I would be working with.Interview Questions
Declined OfferNeutral ExperienceAverage Interview
- All questions were pretty standard, none out of the ordinary.. e.g. describe a failure. Answer Question
2 people found this helpfulApplication Details
I applied online – interviewed at Credit Suisse.Interview Details
They contacted me just around a week after I applied. The first stage was online tests, followed by a case based group interview and then the final interview stage. The final round consisted of two thirty minute interviews,which had very generic, non technical questions. Was contacted after 3-4 days with an offer.Interview Questions
Accepted OfferPositive ExperienceAverage Interview
- Very generic, nothing extremely difficult/unexpected Answer Question
- Application Details
I applied online – interviewed at Credit Suisse in December 2013.Interview Details
First round was a group assessment. A group of candidates was given a discussion topic and told to discuss the topic and deliver a group presentation at the end of it.
The second round was 2 back-to-back 1-on-1 interviews. The interviews were easy and laid-back, but somehow I failed to made it past this round. Maybe I was too relaxed and laidback.Interview Questions
No OfferPositive ExperienceAverage Interview
- Tell me about a time when you had a conflict with someone. Answer Question
Is this helpful? The community relies on everyone sharing – Add Anonymous Interview Review


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- About
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JERUSALEM | Over 100 Seeds and other members of their communities met in April and May as part of Seeds of Peace's ongoing series of Community Dialogues, in which Seeds identify, design, and implement programs based on what they perceive as the most important conflict-related issues facing their societies internally.
Four Seeds and two Educators engaged students from Hebron and the neighboring town of Bani Naim in an April 18 dialogue session about Normalization, calls for boycott of Israeli products, and the work of cross-border initiatives between Israelis and Palestinians.
On April 27 in Tel Aviv, 11 Seeds screened a film about minority groups in Israel and afterwards led a discussion about identity, power and responsibility.
During an earlier meeting in Tel Aviv, participants watched "The Day After Peace," a documentary which examines the role of the Truth and Reconciliation Committee in post-Apartheid South Africa as well as the real-life struggles of Israeli and Palestinian victims of violence. The film helped audience members understand the work that needs to be done on an individual level to advance peace. The film's director attended the event and answered questions from participants, who then engaged in a discussion of the film.
"In our dialogues (with Palestinians) there is a lot of comparing," said one participant, reflecting on the Truth and Reconciliation Commission. "It is a strange thought to me to think that it is possible to enter a process of reconciliation without accusing each other. It was so surprising that in the movie people did not accuse each other. We can have hope."
In Gaza City, Palestinian Seeds led an argument evaluation workshop for 30 of their peers. The session, held April 12, provided tools to critically analyze arguments made in the news and on social media.
The next day, five Seeds held a dialogue in Ramallah about women's rights in Palestine and the challenges posed to them by social norms and military occupation.
"Palestinian women have more rights than Arab women elsewhere," said one of the 12 non-Seed participants after the discussion. "But the number of women in government is still very low and should increase."
Five Seeds led a similar workshop on May 3 in Qalqiliya. The Seeds engaged 18 of their peers in a discussion about human rights violations committed by Israel and the Palestinian government, ranging from restrictions on movement to displacement of civilians and construction of settlements. The group also addressed internal obstacles to democratic reform in Palestine.
Seeds of Peace's Community Dialogue series is supported by USAID and to date has engaged over 400 Israelis and Palestinians in discussion on issues driving conflict in their communities.
We want to hear from you! Please take this quick survey: https://t.co/40Ad5o19PZ. Thank you!
Yes! "6 ways to successfully engage youths in #peacebuilding" - from @devex @Manonow http://t.co/RDsJyyGEFQ
What roles do business, media, tech & gender play in social change? http://t.co/IiHjvZqGeL @csmonitor #SocEnt #GATHER http://t.co/CeFp0kWS35
We want to hear from you! Please take this quick survey: https://t.co/40Ad5o19PZ. Thank you! http://t.co/GvcjplB4XW
#GATHER: A new global, inclusive, cross-sectoral & above all, action-oriented peace initiative. https://t.co/aZhckQvnX6 #leadership #SocEnt

subset: commoncrawl


text:
Could someone recommend a free git hosting service providing post commit mail notifications which include diff contents?
Take the 2-minute tour ×
Stack Overflow is a question and answer site for professional and enthusiast programmers. It's 100% free, no registration required.
For a bit of a roundabout solution, a service like GitHub offers an RSS feed of commits and then you can use an RSS to email service like Feed My Inbox.


text:
Top Definition
A character from .hack Conglomerate's "The World", appearing in .hack//Roots, .Hack//G.U. Vol. 1, 2 and 3 among other titles. He really wanted to name himself 'Oven' (Seriously...not...), but he mispelled. He tends to be a very mysterious character (I think it's because he and Haseo are a couple of closet-cases and they don't want people to know about their relationship).
by Kaze Kitsune October 12, 2007
1 more definition


text:
Prep Wrestling: West Central meet is Saturday at NLS
The West Central North and South combine for a 13-team conference meet starting 9 a.m. Saturday at the high school gym in New London.
Teams from the North are Melrose, Minnewaska, Paynesville, Sauk Centre and N.L.-Spicer and from the South Morris, Benson, Montevideo, Yellow Medicine East, Lac qui Parle Valley/Dawson-Boyd, Atwater-Cosmos-Grove City and BOLD.
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text:
After Discovery's Launch, What's Left For the Shuttle? 150
from the short-timer dept.
We've improved Slashdot's video section; now you can view our video interviews, product close-ups and site visits with all the usual Slashdot options to comment, share, etc. No more walled garden! It's a work in progress -- we hope you'll check it out (Learn more about the recent updates).
The last scheduled shuttle flight is also Discovery, so today's launch doesn't signify the end of anything.
http://en.wikipedia.org/wiki/STS-133 [wikipedia.org]
...Because we all know that the 1960s were just a happy time!
I guess you don't know the Apollo program was cut short due to Vietnam.
There were many more moon shots scheduled when the program was shut down in order to send more resources to Vietnam.
Sunk cost, go read up on it.
On July 16, 1969 Neil Armstrong, Michael Collins and Edwin A. "Buzz" Aldrin landed on the moon.
Michael Collins didn't.
And Armstrong and Aldrin didn't land until the 20th, either...
Professional wrestling: ballet for the common man.


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New Release: Pillars of Eternity, a new RPG perfect for fans of Baldur's Gate and Icewind Dale!
Title screen
Choosing a character type
Naming and assigning values
Shameen's place of business
Keapon Laffin's shop
The apothecary
The money changer
Practicing with Uhura
One of Shapeir's plazas
Leaving Shapeir
Home of Aziza the magician
Oasis at daytime
Oasis at night
Meeting the astrologer - a reference to "Hair"! :) (the line comes from the musical/film's opening song "Aquarius")
Another Easter egg - a reference to "Conquests of Camelot"
In the oppressive, unpleasant and seedy city of Raseir (Sierra anagram!)
At the ancient temple
Crossing the waterfall
Crossing a volcanic cave
Playing as a Wizard - entrance to W.I.T.
Playing as a Thief - the money changer at night
"The smell of victory"
Accommodation at Blue Parrot Inn
A bit of illegal business (the best looking place of all where you can steal something)...
Blue Parrot Inn at night
The harem - a scene exclusive to the Thief, and it's "only" EGA!
A precarious situation...
We chew bubble gum and document games. And we're all out of gum. Information, credits, reviews, screenshots and more covering 145 video game platforms from 1971 to date!
MobyGames™ Copyright © 1999-2015
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text:
Mac DeMarco Detained By Police During Santa Barbara Concert
By Zoe Camp on November 16, 2014 at 10:40 a.m. EST
Photo of the incident uploaded to Mac DeMarco's Instagram
Update: Watch footage below of DeMarco being escorted out in handcuffs, as the crowd chants "We want Mac!", via Stereogum.
On Friday night, Mac DeMarco's show at UC Santa Barbara came to an unexpected, early end – not because of tech issues or overzealous fans, but rather a run-in with the police. The Santa Barbara Independent reports that campus police shut down the show, held at a space on campus called the Hub, twice: first as a response to moshing and roughhousing, and later to detain DeMarco himself after he clambered onto the venue's ceiling beams with the help of the crowd. The latter incident ended DeMarco's performance, but he wasn't charged with a crime and can continue his antics in Europe as originally scheduled.
There's a Mac DeMarco Video Game Called Squish'Em
By Jeremy Gordon on April 15, 2014 at 11:38 a.m. EDT
Subbacultcha! has released Squish'Em, a video game that has you play as Mac DeMarco while attempting to kill as many crawling insects as you can by stubbing them out with cigarettes. DeMarco's recently released Salad Days makes for excellent companion music, assuming you don't immediately X out in frustration. (It's at least as hard as Flappy Bird.) Play it here.
Report: Mac DeMarco Jangles and Smirks in Brooklyn
By Jayson Greene on August 31, 2012 at 2:37 p.m. EDT
Photo by Christina Hicks
Mac DeMarco: "My Kind of Woman" (via SoundCloud)
Mac DeMarco is a talented, impish kid who hasn't quite decided what kind of rock songs he wants to write-- which is fine, because he's sounded pretty good doing anything he's tried out so far. This spring's Captured Tracks EP Rock and Roll Night Club saw him testing out a bunch of different poses: a grunting low-rent Michael Hutchence lothario, a husky-voiced troubadour. On the upcoming Mac DeMarco 2, he seems to have settled on a single sound, at least for now: warped, winsome, and gently hypnotic jangle-pop reminiscent of Cass McCombs' first album, A.
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As the first head of the Roman Catholic Church to be from Latin America and winner of Time Magazine's Person of the Year, Pope Francis is kind of a big deal.
And like any person who is a big deal, he has said a lot of things on a lot of topics. Problem is, there is also a lot of stuff attributed to him that, well, might not be accurate.
From judging to atheism, from animals to launching a Third Vatican Council, below in no particular order are a few of the statements that Francis either did not make or that have been taken out of context. more >>
A pregnant woman who was recently fired by a Virginia church's daycare center for not setting a date for her wedding to the father of her unborn baby says she might take legal action.
Apryl Kellam was fired from her position at the chid development center just days after she said she received a raise on Jan. 7.
James Coalson, Kellam's fiancé and the father of her soon-to-be born child, told The Christian Post that they've been mulling the idea of seeking legal counsel after Staples Mill Road Baptist Church's firing for her violation of the center's employee handbook. more >>
A Texas district court judge has rejected the Mayor of Houston's motion to forgo a jury trial in the "Houston pastors" lawsuit, which seeks to force the city to allow voters decide whether or not to overturn a transgender rights ordinance, which allows self-identified transgenders to use bathrooms designated for the opposite sex.
The lawsuit looks to require Houston Mayor Annise Parker and the city to act on a petition, started by conservative Houston-area pastors and activists, calling for a voter referendum to allow the people of Houston to decide whether the ordinance, which passed last May, should stay or go.
Although the city's secretary Anna Russell verified that the petition had exceeded the amount of signatures needed to force the referendum, Parker refused to put the initiative on the ballot during last November's election. more >>
A bill has been introduced in the Texas Legislature that if enacted would strip the salary of any Texas-government employee who issues a marriage license to a same-sex couple.
Known as House Bill 623, the recently introduced bill declares that no state funds will go to the distribution of gay marriage licenses.
"State or local taxpayer funds or governmental salaries may not be used for an activity that includes the licensing or support of same-sex marriage," reads HB 623. more >>
An ex-gay organization is planning legal action against the District of Columbia for its recent banning of conversion therapy, also called Sexual Orientation Change Efforts therapy, for minors.
Voice of the Voiceless, an organization focused on ex-gay rights and recognition, is in the early stages of planning to bring legal action against the government of the nation's Capital over the recently passed bill.
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A set of miracle quadruplets were born to Ashley and Tyson Gardner on Sunday, bringing the start of one journey and the end of a hard-fought battle to bring the baby girls into the world.
Indie, Esme, Scarlett, and Evangeline Gardner made their debut on Sunday, after doctors decided that it would be too risky to let them stay in Ashley's womb any longer. All four were delivered by Cesarean section on Dec. 29, 2014.
Ashley and her doctors worked hard to ensure that the babies would have the best chances possible. The couple struggled with infertility for eight years before undergoing fertility treatments that resulted in the quadruple pregnancy. more >>


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'Red Dawn' milestone celebrated
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Gallery: Justin Bieber Wraps His 2012 Fisker Karma in Shiny Chrome
Last month Pop singer Justin Bieber received a 2012 Fisker Karma plug-in hybrid for his 18th birthday, but like any teenage rockstar, Beiber has modified his $102,000 present – by completely covering the car in chrome! Apparently the chromed-out Fisker Karma is visible from three blocks away, and It's insanely blinding to anyone not sitting inside.
It looks like Bieber took his present from his manager Scooter Braun and drove it straight to West Coast Customs, where the standard paint job was switched out for the overly shiny chrome. LED lights were also added under the grille and black 22-inch wheels were bolted on.
Beiber, his girlfriend Selena Gomez and his really shiny 2012 Fisker Karma were recently caught by the paparazzi site TMZ. TMZ asks the question, "How is that legal?" Even if it's technically legal, maybe the Fashion Police could get involved…
Justin Bieber's last car was a Cadillac CTS-V that he had turned into a Batmobile, so his latest chrome Fisker Karma shouldn't be too surprising.
Via Inside Line
3 Comments
rollysj April 27, 2012 at 12:56 am
this can't be legal. it will cause road accidents.
greenjack April 26, 2012 at 9:22 pm
in my eyes the orginal painting is quite stylish. this full chrome thing looks kind of cheap and easy but also like a billion dollar blingbling. it is very shiny, but that fisker seems to be missing any straigth lines or planes and most are convex (i'm sorry but i cannot remember the right name for things which are round out or inwards:-), meaning they don't concentrate any strong beam of ligth in to your eyes, just glitter. the main thing in this is that a most unorginal teen ido
l is using a energy efficient sexy electric car.
SRBChristian April 18, 2012 at 5:48 pm
He's only 18 and still has a LOT to learn, but my god what an idiotic idea!
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Ingredients: 100% pure geranium oil
Aroma: Subtly sweet' floral
Benefits: Purifying' soothing' normalizing
These statements have not been evaluated by the Food and Drug Administration (FDA). These products are not meant to diagnose' treat or cure any disease or medical condition. Please consult your doctor before starting any exercise or nutritional supplement program or before using these or any product during pregnancy or if you have a serious medical condition.
100% pure geranium oil
Extraction Method: Steam Distilled from fresh plants.
For aromatherapy use. For all other uses' carefully dilute with a carrier oil such as jojoba' grapeseed' olive' or almond oil prior to use. Please consult an essential oil book or other professional reference source for suggested dilution ratios.
Natural essential oils are highly concentrated and should be used with care.
Daily Balance Blend: Add 2 drops each of geranium oil' rose absolute oil and clary sage oil to a diffuser and enjoy.
Keep out of reach of children. Avoid contact with eyes. If pregnant or lactating' consult a practitioner before using. Not for internal use.
Ratings & ReviewsReview This Item
Overall Rating for Geranium Oil - 1 fl. oz (30 ml)
Displaying reviews 1-4 of 4
By Lisa Smith
from United States
Love this Oil!
Geranium Oil by NOW Foods is an amazing oil, I love the price:) and quality :), I bought it to use in my all natural skin care products and it is fabulous. I used it tonight actually in a batch of my face and body lotion.
Everything; Value, Price, Easy to use, I can go on and on!!!
√ I would recommend this item to a friend.
By Susan Vallarino
from Mobile,AL.
Very pleased with this purchase!!!
Arrived on time and very well-packaged. I am very pleased with Geranium Oil by NOW Foods. The Employee packaging my products paid great attention to detail. Great Customer Service Staff!
Products were sealed from factory. All my oils Smell Fresh. Nothing was damaged because great care was taken during packaging. Thank You!
√ I would recommend this item to a friend.
By Annette
from Bronx, NY
Very light fragrance
Im relieved that it isnt too strong of a scent because I cant handle strong scents. An allergy I think. This has a lightly floral scent. Im sorry that I cant comment on the efficacy of this EO yet because I havent used it yet. I got it because as I read online: it is supposed to be good for circulation (a problem for me) and as I also read: "it has an affinity for the nerves". And since I am planning on making up an ointment to rub on my leg that has nerve problems its good that this oil isnt overbearing in scent because it will be combined with other EOs.
√ I would recommend this item to a friend.
By G.Austen
from St. Louis, MO
Time will tell ---
Geranium Oil is a Multi-purpose essential oil purchased for my canine I have yet to use it though as I am trying just one oil at a time and thus far we have just used the Cedarwood. Quite the floral-smelling product but if that surprises anyone they probably should learn more about essential oils. :-)
√ I would recommend this item to a friend.
Displaying reviews 1-4 of 4
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Trane XL16i
I've received the following proposal, questions follow:
General Info:
- Location - Houston, TX
-House is three story, 1st - smaller a/c system - 1,000 square feet; 2nd and 3rd story - larger a/c system - 1,400 and 300 respectively
- currently no hot or cold spots except the third floor can be warm if I do not lower the temp 1 or 2 degrees, or turn the fan to on when I'm on the 3rd floor (not used full time)
- current systems, builder Trane about 16 years old, 3 and 3-1/2 ton, with added Trane Clean Effects
One three ton and one 4 ton XL16i:
Condenser: 4TTX6048E, four ton
Evap Coil: TXH54
Furnace: XV80
Thermostat: 803
Parts and Labor: $11,399
Condenser: 4TTX6036E, three ton
Evap Coil: TXH033
Furnace: XV80
Thermostat: 803
Parts and Labor: $10,239
Less $1,500 if I do them at the same time.
1. Price reasonable?
2. Many negative comments regarding XL16i on this and other sites. My contractor addressed by saying if system is not installed correctly there will be issues. [They have been in business since 1945, we have been happy with them]. XL15i system would be approximately $1,500 less per system, less efficient. He has 16i in his home. Some of the negative comments are some time ago, are there still issues with this system? Should I be concerned enough to go to the Xl15i?
3. He said our lineset does not need to be changed, just flushed, it is bigger than needs to be and that is OK. Is it?
4. Some on this site recommend Honeywell thermostat. He said they look and operate the same. I understand the Honeywell is a bit cheaper, should I make an issue of this?
5. We think we need to purchase the extended warranty, installer did not push at all, just pointed out pros and cons when we asked about it. Recommended?
My neighbor has issues with this sytem, but they did not change out their 16 year old thermostat nor do I believe they have a variable speed furnace. So I think they are a good example of a poorly installed XL16i. How do I get comfortable with this big ticket expenditure? My installer is A+ BBB, and been in business for 60+ years.....
Thanks in advance for any input you may have. If you need more info please let me know.
weedmeister see furnace xv80 ..80% gas furnace.
have you asked about American Standard?
Am St & Trane are same mfg, more bells
and whistles with trane.
I see no mention of duct sealing.
if you seal the ductwork, supply boxes and return
airs then you get more of the air you are paying to
heat and cool into your house.
on an average we find 30% duct leakage.
but you have to test to know what your amount of
leakage is. otherwise its just a wag.
no mention of loac calculation either..
7 tons is a LOT for 2700sq ft.
even with bad rule of
thumb sizing of 500 sq ft per ton its big.
when units are oversized they short cycle.
meaning they don't run long enough to remove
humidity. as it costs more for unit to start up
as compared to what it costs for it to run.
you want less start up and long run time.
short cycling adds to your operating costs.
equipment life is shortened.
smaller units, sized with load calcs save you on
equipment costs, but more importantly utility costs
and more dehumidification. dehumidification is
very important in our climate.
one way to deal with oversizing is variable speed units. these units have the capacity
to heat/cool on the 10 days a year you have lots of
company, but also run in low speed for the rest of
the time.
low speed removes more humidity, and increases the
I find 15 to 17 SEER to be our sweet spot. less
and operating costs are high, dehumidification is
less. higher SEER has diminishing return on roi.
have a conversation with the company about variable
speed. dehumidification needs, smaller equipment
and mastic sealing of ductwork.
if they want a satisfied customer they will be
willing to spend a bit more time on your install.
you might also explore the option of heat pumps.
the upcharge will be less than gas furnace.
but will depend on electrical capacity & configuration.
the ducts and heating system are in the attic?
best of luck.
I am not a Trane expert, but here are my comments:
1. The prices seem high when you consider you are getting 80% AFUE furnaces, no replacement of linesets, and no extended labor warranty. Is Trane offering a rebate? Is the contractor offering a price break for installing two systems at the same time?
2. I have also read the negative comments on the XL16i. The argument is most problems can be traced to incorrect installation. If your contractor is a factory authorized dealer then you should be OK.
3. Linesets which are accessible should be changed in my opinion. If they are flushed, then you have to trust the contractor this he is following the manufacturer's procedures.
4. Trane is not known for their thermostats. There may be a better Trane model available. Discuss the options with the contractor.
5. If you plan to live in your house for several years, then an extended labor warranty would be a good investment.
I know it gets hot in Houston, but 7 tons seems oversized. What sizes are the furnaces?


text:
Buzzer Beaters: NHL Realignment Approved, NFL Free-Agency Moves and More
Todays' top sports stories:
Todays' top sports stories:
Running back Steven Jackson and defensive end Cliff Avril were among the NFL free agents who agreed to terms with new teams in the second 24 hours of the NFL's 2013 free agency period. Former Detroit Lions' DE Avril agreed to a two-year, $15 million deal with the Seattle Seahawks late Wednesday, while Jackson left the St
The "F" in NFL could soon stand for "female."
The first Grand Slam event of 2013, prime-time UFC fights and the NFL's best players highlight the upcoming sports calendar. Here's what to watch this weekend:
As if losing in the NFC Championship game weren't bad enough, an unlucky Atlanta Falcons fan was stabbed by a San Francisco 49ers fan outside the Georgia Dome after the 49ers 28-24 victory on Sunday night.


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Library News
We're excited to announce that the latest Big Library Read is now live, offering millions of users around the globe the opportunity to join the largest global eBook club in the world. For the next two weeks the eBook Shakespeare Saved My Life by Laura Bates will be available to borrow without any wait lists or holds. more
New Children's Databases
Lake County Public Library is excited to share our new Children's Databases. Tumble Books Library, Pebble Go, and Scholastic Go are designed to help with early literacy education. Visit our Children's Databases page for these and more useful links.
Brain Time!
Monday 5:30 pm - 6:00 pm - Amax Room
For babies 6 -6 18 months and their caregiver. This class is based on the research of Dr. Jill Stamm, Ph.D and her work with the New Directions Institute for Infant Brain Development. We will work on the ABC's of early learning using Brain Boxes that Dr. Stamm and her team developed. We will learn through play, songs and rhymes to help those little brains grow.
Did you know?
- The brain is the least developed organ at birth.
- At three years old, a child's brain is about 90 percent of its adult size.
- The input from a child's daily environment, especially interactions with people in his or her environment, dramatically affect how the connections in a baby's brain get wired.
- Play is a powerful way for children to learn. It encourages repetition which impacts learning.
Free Weekly Storytime for Preschoolers
Children ages 3-5 9-10 a.m.
Toddlers 11-11:30 a.m.
Click here for more information on our Storytime Program
Afterschool Program
Grades 1 and up after School to 4:45 p.m.
Click here for more information on our Afterschool Program


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For a whirlwind week back in the summer of 2012, Sprudge had the distinct privilege of traveling to tiny mountain nation of Rwanda. Our coverage was made possible by Fair Trade USA, and we spent our week there alongside FTUSA staff members Ben Schmerler and Richard Sandlin, as well as Counter Culture Coffee green buyer Tim Hill, and local "fixer"/ … [Read more...]
Rwanda Part 3 – Organic Agro & Lil Wayne
And he'll tell her - He's working late again But she knows too well there's something goin' on. By virtue of its inclusion on our Land Rover driver's country-western mix CD, Kenny Rogers' classic "Daytime Friends" has gone micro-viral this week amongst our traveling group. This song was a #1 hit on the Country Western charts in August 1977, and … [Read more...]
Rwanda Profiles: Buf Cafe, Remera Washing Station
The famed Buf Cafe washing station is high, high up in the mountains near the village of Karaba, in the Ginkongoro prefecture in south-central Rwanda. Buf's story has been told and told again in the specialty coffee industry, and for good reason: Epiphanie Muhirwa has become a superstar in global specialty, a living emblem of Rwandan economic … [Read more...]
Rwanda Profiles: Kinunu Washing Station, KZ Noir
In a week full of visits to gorgeous washing stations, the one at Kinunu, on the shores of Lake Kivu, is without a doubt the most dramatically beautiful. It sits on a sloping hillside that leads directly to the shores of Lake Kivu, an enormous inland lake that separates Rwanda from the Democratic Republic of the Congo. Jungle islands dot the … [Read more...]
Rwanda Part 2 – Muzungu En Velo!
Data is a big deal in Rwanda. This place has effectively skipped land line culture, advancing from a very few, select telephone opportunities to a mighty glut of cell phones, and local data plan companies servicing those cell phones. They are in hot competition with each other, waging a marketing war on the canvas of the city of Kigali itself, as … [Read more...]
Rwanda Profiles: Dukunde Kawa Cooperative
First, to settle a discrepancy we've encountered back in North America: "Dukunde Kawa" is actually two words, and is printed as such on signage throughout the coooperative's Musasa washing station. We've occasionally seen it labeled "Dukendekawa" on packaging in the West, and that's how its printed on the entrance sign, but it was only done that … [Read more...]
Rwanda Profiles: Abakundakawa Cooperative
Deep in a valley down a hillside from the village of Musasa sits the Rusashi washing station, focal point for the Abakundakawa Cooperative. The Co-op began in 2005, and it currently serves 1961 member farmers; Aba's president is a gentleman named Jean Marie Kianey Bicamumakuba, and he presides over a 5 person board, a 3 person control council, a … [Read more...]
Rwanda Part One: Primus Guma Guma Superstar
To be very clear from the get-go, we are not Rwanda experts, or East African specialty coffee experts, or travel experts or yellow fever inoculation experts. But we are most assuredly here, working from the Hotel des Mille Collines, which most of the world knows from the film "Hotel Rwanda" but is in actuality a lovely several-star luxury hotel … [Read more...]
Rwanda Profiles: Laetitia Mukandahiro
Specialty coffee is a woven tapestry of individuals, from roasters to baristas, producers to farmers. All week long we'll be profiling personalities who work in the Rwandan specialty coffee industry. All from Rwanda coverage made possible by Fair Trade USA. Cupping with to Laetitia Mukandahiro is a bit like taking batting practice next to Joey … [Read more...]
Rwanda Profiles: Gilbert Gatali of KZ Noir
Specialty coffee is a woven tapestry of individuals, from roasters to baristas, producers to farmers. All week long we'll be profiling personalities who live and work in the Rwandan specialty coffee industry. Coverage made possible by Fair Trade USA. Gilbert Gatali is one of the first people we meet here in Rwanda, and that's no accident. Mr. … [Read more...]
Sprudge In Rwanda
Currently en route from Rome via Brussels, Belgium, your Sprudge.com editors will be reporting live all week long from the tiny, mountainous East African nation of Rwanda. Our itinerary - in concert with Fair Trade USA and Counter Culture Coffee - takes us from Kigali to Butare, and to around a half-dozen coffee cooperatives throughout Western … [Read more...]


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Despite their rough exterior, the Biker 11 Tan Gold-Plated Combat Boots have a heart of gold! These tumbled brown vegan leather boots are eager to please with a rounded cap toe, lace-up panel, plus a gold-plated belt (with antique finish) slung around the 6.5" tall shaft. 6.5" side zipper at instep. 1.25" rubber heel. Cushioned insole. Rubber lug sole. Available in whole and half sizes. Measurements are for a size 6. All vegan friendly, man made materials. Imported.
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I absolutely love these shoes, from the cool sleek design to the great color. To my surprise they are soooo comfortable, almost like a comfortable sneaker...they run true to size and looks exactly like the picture. The zipper on the side makes it real easy to slip on. I always liked combat boots on other people but never really liked them on myself, but I'm definitely happy I bought these.
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$95 Truck Parking Or Storage In Apple Valley, CA 92307 Only $95 Per MonthRiverside, CATruck and trailer parking or storage, and heavy construction equipment storage in Apple Valley, CA 92307 for only $95 per month. Can also...Truck and Trailer Parking or Storage · 1 week ago
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Boitumelo Mamabolo
Boitumelo Mamabolo is an aspiring poet from the suburbs of Kempton Park, in JHB. Boitumelo started writing poetry in 2010, having received positive feedback from her Facebook friends and schoolmates, she started taking her ability to write constructive material seriously, inspired by daily human challenges and ofcourse her own personal experience and challenges as a young South African individual. more »
Click here to add this poet to your My Favorite Poets.
Boitumelo Mamabolo Poems
Being New Doesnt Fit Me
I take a look around and I get dizzy Everything spinning but I'm still staying busy Hardships got me feeling shitty Compared to roadkill, Karmas really hit me.
I Wanna Run
I wanna run from pain, sorrow and regret. To a place where love, joy and respect are the only things I let weigh me down. To a place where encouragement and tolerance is bread fed to every individual, young or old. I wanna run faster than gossip can spread, where being jealous and vindictive is dead.
Comments about Boitumelo Mamabolo
Maya Angelou
(4 April 1928 - 28 May 2014)
Robert Frost
(March 26, 1874 – January 29, 1963)
Emily Dickinson
(10 December 1830 – 15 May 1886)
William Shakespeare
(26 April 1564 - 23 April 1616)
Pablo Neruda
(12 July 1904 – 23 September 1973)
Edgar Allan Poe
(19 January 1809 - 7 October 1849)
Langston Hughes
(1 February 1902 – 22 May 1967)
Walt Whitman
(31 May 1819 - 26 March 1892)
William Wordsworth
John Keats
(31 October 1795 – 23 February 1821)
Being New Doesnt Fit Me
I take a look around and I get dizzy
Everything spinning but I'm still staying busy
Hardships got me feeling shitty
Compared to roadkill, Karmas really hit me.
Look... I tried being new but it really doesn't fit me.
Waiting out to get there, just take my soul and fix me.
I serve a lifetime and hell with breath
Makes so much sense why I welcome death.
Feel my pain?
Feel my pain?
Across the cross on my chest
They said to pray so I became obsessed, and the devil didn't like it so I've always been possessed.
Inner demons awaken they've had enough ...
PoemHunter.com Updates
Check out
Classic Poets
Footsteps of Angels
Henry Wadsworth Longfellow
A Song About Myself
John Keats
A Very Short Song
Dorothy Parker


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|Current Team
|Birth Date
|Place of Birth
|Barry, Marty (C)
|Quebec City, QC, CAN
|Bauer, Bobby (RW)
|Waterloo, ON, CAN
|Boll, Buzz (LW)
|Filmore, SK, CAN
|Brimsek, Frank (G)
|Eveleth, MN, USA
|Cain, Herb (LW)
|Newmarket, ON, CAN
|Chamberlain, Murph (LW)
|Shawville, QC, CAN
|Chapman, Art (C)
|Winnipeg, MB, CAN
|Church, Jack (D)
|Kamsack, SK, CAN
|Clapper, Dit (RW)
|Newmarket, ON, CAN
|Conacher, Roy (LW)
|Toronto, ON, CAN
|Cowley, Bill (C)
|Bristol, QC, CAN
|Crawford, Jack (D)
|Dublin, ON, CAN
|Cude, Wilf (G)
|Barry, GBR
|DeMarco Sr., Ab (C)
|North Bay, ON, CAN
|Dumart, Woody (LW)
|Berlin, ON, CAN
|Egan, Pat (D)
|Blackie, AB, CAN
|Gagnon, Johnny (RW)
|Chicoutimi, QC, CAN
|Getliffe, Ray (C)
|Galt, ON, CAN
|Grosso, Don (LW)
|Sault Ste. Marie, ON, CAN
|Hamill, Red (LW)
|Toronto, ON, CAN
|Haynes, Paul (C)
|Montreal, QC, CAN
|Hergesheimer, Phil (RW)
|Winnipeg, MB, CAN
|Hill, Mel (RW)
|Glenboro, MB, CAN
|Hiller, Dutch (LW)
|Berlin, ON, CAN
|Hollett, Flash (D)
|North Sydney, NS, CAN
|Jackson, Art (C)
|Toronto, ON, CAN
|Jackson, Busher (LW)
|Toronto, ON, CAN
|McReavy, Pat (C)
|Owen Sound, ON, CAN
|Motter, Alex (C)
|Melville, SK, CAN
|Pettinger, Gord (C)
|Harrogate, GBR
|Portland, Jack (D)
|Waubaushene, ON, CAN
|Pratt, Babe (D)
|Stony Mountain, MB, CAN
|Reardon, Terry (C)
|Winnipeg, MB, CAN
|Sands, Charlie (C)
|Fort William, ON, CAN
|Schmidt, Milt (C)
|Kitchener, ON, CAN
|Shewchuk, Jack (D)
|Brantford, ON, CAN
|Shore, Eddie (D)
|Fort Qu'appelle, SK, CAN
|Smith, Des (D)
|Ottawa, ON, CAN
|Smith, Hooley (C)
|Toronto, ON, CAN
|Stewart, Nels (C)
|Montreal, QC, CAN
|Taylor Sr., Billy (C)
|Winnipeg, MB, CAN
|Thompson, Tiny (G)
|Sandon, BC, CAN
|Thoms, Bill (C)
|Newmarket, ON, CAN
|Wiseman, Eddie (RW)
|Newcastle, NB, CAN
Watch the best hockey videos that are trending on the internet right now. WATCH NOW ›
I'll be happy, believe me, if we win our last playoff game. Not taking anything away, but we've had a fairly good lead for a while now. It would be more surprising if we didn't get the division. Business as usual.


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Dr. Victor L. Martin
A team from Great Bend High School was one of 52 teams that took in the Super Saturday qualifying event of the Quest High School Academic Competition on Dec. 3 at Washburn University.
Preceptor Pi Chapter of Beta Sigma Phi met Dec. 13 at the home of Rosie Luthi for the annual Christmas social and meeting attended by 13 members. President Janis Link conducted the meeting.
Dog walker Kimberly Zakrzewski was found not guilty in October of violating the poop-scooping ordinance of Fairfax County, Va., despite photographic "evidence" of dog piles submitted by neighbors Virginia and Christine Cornell (who had previously been feuding with Zakrzewski).
We are engaged in a culture war right now. A war not against culture but for culture, one that pits Judeo-Christian values against secularism, materialism, and lots of other "isms."
Merry Christmas.
KANSAS CITY, Mo. (AP) - Jordan Henriquez scored a career-high 17 points, Angel Rodriguez added a career-best 13 and Kansas State beat No. 23 Alabama 71-58 at the Sprint Center on Saturday night.
RALEIGH, N.C. (AP) - Dion Waiters scored a career-high 22 points to help No. 1 Syracuse beat North Carolina State 88-72 on Saturday.
Picking the NFL's coach of the year might not be so easy - even with Mike McCarthy on the verge of guiding the Green Bay Packers to a perfect season.
HOISINGTON - The Hoisington High School wrestling team took third place on Friday at the Cardinal Corner Classic.
ALBUQUERQUE, N.M. (AP) - Temple came out swinging against Wyoming, jumping to a 21-0 lead in the first half of the New Mexico Bowl on Saturday.
BOISE, Idaho (AP) - Tyler Tettleton scored on a 1-yard keeper with 13 seconds left to give Ohio its first bowl victory, 24-23 over Utah State on Saturday in the Famous Idaho Potato Bowl.
KANSAS CITY, Mo. (AP) - Aaron Rodgers will throw for a slew of yards and a bunch of touchdowns. Some unheralded running back will start to resemble Jim Taylor. Clay Matthews will harass the opposing quarterback and Charles Woodson will probably force a turnover.
HOISINGTON - Led by top placings from Chris Burley (120 pounds) and Ryan DesLauriers (103), along with a bevy of second- and third-place finishings, Great Bend High School captured the Cardinal Corner Classic on Friday.
Nationwide, people involved with museums, archives, nature preserves, homeless shelters, battered women shelters and similar endeavors are nervous.
Hillary Clinton's cruise-control candidacy is beginning to leak oil - and that's without any meaningful challengers among Democrats, let alone a formal Republican nominee to worry about.
The last out of an inning is often times the toughest out. The Barton Community College softball team experienced that Saturday in a doubleheader loss to Dodge City.


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Lija Ladies Traveler Pique Polos 4 4
Great looking shirt Great looking shirt but does run small. I love the Lija brand June 6, 2013
Never purchased Lija before - liked the style and color, but it ran very small. Returned it before I wore it or washed it, so I can't give it pros or cons. March 25, 2013
only complaint...runs small I wear a lot of golf clothes...I am a medium build and would think a medium shirt would fit me just fine; I wish the sizes would run more true. I own XL, X, and M...even S. This shirt would have easily gotten five stars if only it would have been sized correctly. I bought a L thinking it would be plenty big...but XL would have worked much better. June 17, 2012
nice looking shirt great cotton feel when all other shirt seem to be polyester Need to iron after wash because of double collar April 29, 2012
1-4 of 4


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I have a 93 740i that I got from a little old man and woman. They serviced the car exactly on time and by bmw service e center. Only 134,000 miles on it. But it seems that the transmission takes off sluggish. When I attempt to put it in economy mode. - the display just flashes back and forth from winter to economy. Am I engaging it wrong or could some one tell me if this a computer reset issue..???? Thanks for any input.
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1993 BMW 740i Question: About a 1993 740i transmission.
jazznote, Novato, CA, April 23, 2012, 01:08
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graduate student in UMASS Amherst. Chinese. Love to travel.
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Wonderful guest.
Rui was very respectful and quiet on arrival late at night, as agreed upon. I did not even hear her come in! Our brief chat on her way out in the morning was sweet and cordial.
Definitely a good guest...
Dai and Li Ping stayed with us for four days. They were very pleasant and easy to accommodate and they managed OK speaking very little English. They came for their daughter Rui's college graduation ceremony and we were very glad to host them.
Even though we didn't actually meet, (she and her friends arrived late and I had already left by the time they were up and gone the next day), but all of my communications with Rui were warm and engaging. I am very sorry not to have met her. If there's any chance she could come back again, I'd be glad. You are welcome anytime, Rui!
Rui stayed with us with two guests. They were very friendly and called us several times before and during the trip to ask questions.


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|In Bunker Hill, WV
February 27, 2013
View through the Windshield
The wall is actually straight. Rain on the windshield distorted the scene. I liked it well enough to show it to you.
Labels: Photo Techniques, West Virginia
7 comments:
Very an interesting photography.ReplyDelete
Hahaha... you are as bad as me. I take a lot of pictures through our car windshield.ReplyDelete
Looks beautiful and mostly clear.
nice one! i like taking pics through the windshield :)ReplyDelete
that's very cool! :)ReplyDelete
I love the perspective of being taken through the windshield :)ReplyDelete
I really like the distortion caused by the raindrop. This is a great captured.ReplyDelete
Impressive ... I love those beautiful photos with geese, very nice!ReplyDelete
Thank you for commenting! If you are responding to a post older than a few days, your comment will be held until we have a chance to approve it. Thanks for your patience!
Sorry, anonymous comments cannot be accepted because of the large number of spam comments that come in that way.
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• 1 double bedroom, with antique chest of drawers, mirror furniture, wide wardrobe, paintings at the walls, two antique chairs and very nice window view.
• Beautifully antique furniture with four place wood table, chest of drawers, belief, desk, two armchairs, tv and bright window with nice view.
• Newly restored Kitchen, complete with fridge, rings, freezer, juicer, oven, sink, microwave very nice sideboard, small balcony and stools.
• Bathroom with sink, bidet, shower, wc and small window.
|Link Code


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Dr. Jeanne Lipscomb specializes in pulmonary disease, internal medicine in Tuscaloosa, Alabama.
Dr. Jeanne Lipscomb has been compared 50 times. Details of Dr. Lipscomb's 25 years experience as an MD, her hospital affiliation and education at University of Mississippi are available on your free doctor report.
Primary Location for Dr. Lipscomb
701 University Blvd E
Suite 908
Tuscaloosa, AL 35401
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Board Certification, Specialty and Expertise
Dr. Jeanne Lipscomb has been identified as specializing in Pulmonary Disease and Internal Medicine.
She obtained board certification from The American Board of Internal Medicine for Pulmonary Disease.
Hospital Affiliation
A hospital affiliation covers any doctor who has an affiliation, association or admitting privilege with a hospital. A doctor's particular affiliation to a specific hospital can translate to the overall quality of that provider.
Dr. Lipscomb is affiliated with 1 hospital:
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Tuscaloosa, Alabama
Dr. Jeanne Lipscomb has been confirmed to have a license in Alabama
Dr. Lipscomb attended medical school at University of Mississippi School of Medicine and graduated in 1990 having 25 years experience.
While there is no proven correlation between the quality of one's educational institution and the quality of one's professional competence, it is often an indicator. Medical schools have various levels of selectivity (some are harder to get into than others), and both the quality of their clinical training and level of research are measured. Additional medical training in both residency and fellowships and the facilities they are conducted at also provide a history of the doctors' level of training and experience.
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Koncept Technologies Inc Z-Bar Solo LED 18" H Table Lamp
Koncept Technologies Inc Z-Bar Solo LED 18" H Table Lamp
Weights & Dimensions
|Product Type: Desk
|Style: Contemporary
|Fixture Material: Metal; Plastic
|Number of Items Included: 3
|Bulb Type: LED
|Bulb Life: 50000 Hours
|Dimmable: Yes
|Light Direction: Multiple Directions
|Wattage per Bulb: 8.5 Watts (W)
|Bulbs Included: Yes
|Shade Included: No
|Built-in Outlet: No
|Adjustable Height: No
|Night Light: Yes
|Swing Arm: Yes
|Switch Type: Touch
|Cord Color: Black
|Lifestage: Adult
|Gender: Unisex
|Commercial Use: Yes
|Recycled Content: Yes
|Eco-Friendly: No
|Product Care: Wipe with a clean dry cloth
|Country of Manufacture: Imported
|Assembly Required: Yes
|Additional Parts Required: No
|Product Warranty: 5 years
|cUL Listed: Yes
|UL Listed: Yes
|Energy Star Compliant: No
|CE Approved: Yes
|RoHS Compliant: Yes
|Title 24 Compliant: Yes
Questions & Answers (1)
"Hi, is this lamp adjustable?" asked by Kim
Still have questions about this product? We're here to help
Koncept Technologies Inc Z-Bar Solo LED 18" H Table Lamp
About the ManufacturerWith years of manufacturing and industrial design experience, the founders established Koncept in 2002 to design and develop innovative products for home and business. The company has since developed a line of elegant LED lamps and lighting elements with the discriminating consumer in mind. Not only have consumers embraced Koncept's lighting for home and office, the designs have gained national and international attention. Even with tremedous success, Koncept's goal remains as it started: Design innovative products that set high standards in the industry and more importantly, make your life safer, simpler and greener.
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OUR SKU # KPT1037Z-Bar Solo LED 18" H Table Lamp is also sometimes listed under the following manufacturer numbers: AR1000-C-MBK-DSK, AR1000-C-SIL-DSK, AR1000-W-MBK-DSK, AR1000-W-SIL-DSK


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Tracking the latest developments in the fight for a fair America
Justice Watch: An Alliance for Justice Blog
GUEST BLOG: Courts Matter — and so do the rules that keep them fair
The legitimacy of these decisions depends on the public's belief that justice has been done, that cases are decided by a fair and impartial decision-maker who has applied the law to the facts before her. It is this vital interest—judicial integrity—that is at stake in Williams-Yulee v. The Florida Bar, a case heard by the Supreme Court this past Tuesday.
The impartiality of our courts is under siege. Thirty-nine states select judges in elections that are becoming increasingly expensive and politicized. Between 2000 and 2009, contributions in state supreme court races more than doubled. As pressure on judges to raise campaign funds grows, they will continue turning to their most significant contributors—lawyers and lobbyists. It is therefore no surprise that 95 percent of respondents to a national poll believe that contributions influence judicial decision-making—and that nearly half of surveyed state court judges agree.
Florida, like the vast majority of states that elect judges, has implemented a modest, but important, measure to help insulate its judiciary from the pernicious influence of campaign spending. Under Florida's ethical code, judicial candidates are prohibited from personally asking for campaign contributions. Instead, they are required to conduct all fundraising through a campaign committee. In Williams-Yulee, the Supreme Court will consider the constitutionality of this provision.
The rationale for Florida's rule is simple. While states are free to choose their judicial selection methods, they are also obliged to protect the integrity of their courts. Florida, recognizing the unique threat posed by personal solicitation, adopted the rule at issue in Williams-Yulee, among others, in 1973 to protect its courts against rampant scandal and corruption.
Personal solicitation creates the impression that justice is for sale. An attorney who is personally solicited by a judge before whom she regularly appears may perceive the request as an offer for courtroom success in exchange for a financial contribution. At the very least, the attorney will likely feel that her decision whether to contribute will affect her treatment in court. This perception, shared by the public at large, threatens confidence in judicial integrity.
Florida's regulation, while protecting a vital state interest, poses a narrow restriction on speech. Judicial candidates remain able to raise adequate campaign funds through a committee of their choosing. Indeed, Florida's rule places no limitation on candidates' ability to discuss their values, qualifications for office, or views on any issue; its only prohibition is on the direct "ask" for money.
Petitioner Lanell Williams-Yulee has been critical of Florida's line drawing, arguing that the mass mailer she signed should not have been caught in the rule's sweep. Several justices, however, appeared concerned at oral argument Tuesday about the inherently coercive effect of judicial requests. Justice Sotomayor, relying on her own judicial experience, observed that "[i]t's very, very, very rare that either by letter or by personal call that I ask a lawyer to do something, whether it's serve on a committee, help organize something . . . that that lawyer will say no." Justice Breyer mirrored this sentiment, explaining that "when a judge says, can you please" then "the answer is yes."
State supreme court justices, who have had the experience of both making requests of lawyers and raising campaign funds, have been particularly sensitive to the threat posed by direct solicitation. Every state supreme court to consider the question has upheld its state's personal solicitation prohibition, whereas federal appellate courts have split. The resolution to this divide now lies with the Supreme Court.
Kate Berry works for the Fair Courts Project at the Brennan Center for Justice at New York University School of Law.
GUEST BLOG: Keep the Fair Housing Act at full strength
Passed in the wake of Dr. King's assassination, the Fair Housing Act was the last of the momentous civil rights laws of the 1960s. Dr. King had warned against the harms of housing segregation, caused in large part by government-sponsored policies like redlining and racially-exclusive zoning. Senator Edward Brooke, R-Mass., who died recently and was the first popularly elected African-American Senator, was an original co-sponsor of the Act, along with Senator Walter Mondale, D-Minn. Senator Brooke stated that "residential segregation [had] become central" to the country's "major domestic problems."
The original Fair Housing Act banned discrimination on the basis of race, color, national origin and religion. Amendments signed into law by Presidents Ford and Reagan added protections against discrimination based on gender, disability and familial status.
The case before the Court is Texas Department of Housing and Community Affairs v. Inclusive Communities Project. A Dallas civil rights organization challenged the State of Texas policy of placing low-income housing only in African-American neighborhoods, thereby reinforcing racial segregation, instead of fairly distributing such housing across all communities.
The lawsuit raises a "disparate impact" claim under the Fair Housing Act. Essentially, this standard prohibits policies that appear neutral but unfairly exclude classes of persons in practice. It allows us to recognize and prevent harmful and inequitable policies so that everyone is treated fairly. The standard has been used to root out discriminatory policies not only in housing, but in employment, education, voting and environmental justice. As our Supreme Court amicus brief notes, "housing segregation imposes a wide array of socioeconomic harms that can only be fully eliminated through a framework that includes a disparate impact standard."
In this case, U.S. District Judge Sidney Fitzwater found a violation of the Fair Housing Act based on the Texas policy's disparate impact on African Americans. The U.S. Court of Appeals for the Fifth Circuit agreed that a violation could be shown by proving disparate impact but remanded the case to apply standards adopted by the U.S. Department of Housing and Urban Development, noting that "[t]hese standards are in accordance with disparate impact principles and precedent."
Unfortunately, Texas chose not to defend its policy on the merits, but instead asked the Supreme Court to rule that the disparate impact standard cannot be used in claims under the Fair Housing Act. Texas's petition asked the Court to decide two questions: 1) are disparate impact claims cognizable (meaning, available for use) under the Fair Housing Act; and 2) if disparate impact claims are cognizable under the Fair Housing Act, what are the standards and burdens of proof that should apply.
The Court agreed to consider only the first question. This was an aggressive move because, since the early 1970s, the Fair Housing Act has been interpreted to allow disparate impact claims. Courts have recognized that some forms of discrimination are covert and difficult to detect, but are just as harmful as intentional discrimination. The Fifth Circuit was among the first to do so. In 1973, it ruled that "it is not necessary to show that [defendant] intended to deprive [plaintiffs] of rights granted by the Act. A violation occurred because [the] words had that effect." United States v. Pelzer Realty Co. In 1978, it held that "a significant discriminatory effect flowing from rental decisions is sufficient to demonstrate a violation of the Fair Housing Act." United States v. Mitchell.
This method of proving discrimination is firmly embedded into our civil rights jurisprudence. It has enabled communities of color to challenge entrenched residential segregation patterns that would be impossible to eliminate on a house-by-house basis. Families with children have sued over apartment occupancy standards which limit the number of persons per bedroom. Victims of domestic violence have challenged public housing policies which evict them for violent incidents; no woman should have to choose between personal safety and a home for her family.
Unlike the split in authority among circuit courts leading to the Supreme Court's review of same-sex marriage bans, there is no disagreement among courts about using disparate impact in fair housing law. Since the Nixon Administration first invoked this standard in fair housing cases, eleven circuit courts to consider the question have unanimously affirmed its use under the Fair Housing Act.
The recent tragedies in Ferguson and Staten Island have reignited a long overdue national discussion about racial inequality. Despite our best efforts, we are a long way from achieving the racial justice envisioned by Dr. King. Now is precisely the wrong time for the Supreme Court to eliminate longstanding protections for challenging systemic racial and other forms of discrimination in housing. The very fabric of our neighborhoods and communities across the country hangs in the balance.
Benched! Knowing the Constitution
Texas Senator Ted Cruz clerked for then-Chief Justice William Rehnquist, argued before the Supreme Court nine times, and was Texas's Solicitor General. One might suspect he knows a thing or two about the Constitution.
But his knowledge of that document appears to be lacking – and his own constituents in Texas may end up paying the price.
Although three judicial nominees to longstanding Texas vacancies are set for a hearing next week, Senator Cruz has doubled down on his position that the Republican-controlled Senate should "not confirm a single nominee—executive or judicial—outside of vital national security positions" until President Obama rescinds his recent executive order on immigration.
Senator Cruz himself recommended these nominees to the president, and two of the three would fill benches considered "judicial emergencies" because of overwhelming caseloads in the Southern District of Texas. But the most striking thing about Cruz's position is that it's based on a bizarre and obvious misreading of the Constitution.
In a recent Politico Op-Ed, Cruz claimed that holding nominees hostage "is a potent tool given to Congress by the Constitution explicitly to act as a check on executive power. It is a constitutional power of the majority leader alone, and it would serve as a significant deterrent to a lawless president." Then, responding to CQ Roll Call today, Cruz's spokesperson said that "Sen. Cruz stands behind what he said" in Politico and that "holding nominations is a constitutional power given to Senate leadership and it is up to leadership to exercise that power."
The problem is that while the Constitution empowers the full Senate to provide "Advice and Consent" on nominations, it makes no mention of Senate leadership, nor does it confer power to "hold[] nominations" on any individual senator—majority leader or otherwise. And there is no basis to claim that advice and consent exists "explicitly" to deter the president from issuing executive orders completely unrelated to judicial nominations.
There is no question that Senate Republicans have several means of obstructing the president's nominees if they so choose; that was true even before they became the majority. But it's misleading at best to give mere partisan obstruction and political gamesmanship the imprimatur of the Constitution. Ted Cruz knows better, and we think the American people do too.
GUEST BLOG: Good news for homeowners from the Supreme Court: Let's hope for more!
In order to give borrowers the opportunity to carefully consider the terms of a mortgage, TILA allows borrowers to rescind, or cancel, a mortgage contract for any reason within three days of signing it. It also gives them three years to rescind if the lender fails to provide any of the required disclosures at the closing table.
The statute is very clear about how a borrower exercises that right to rescind: "by notifying the creditor. . .of his intention to do so." Nonetheless, in recent years, lenders have argued that the statute actually requires that a borrower file a court action in order to rescind the contract. And they'd had some success with that argument, including in the federal appellate court that held Larry and Cheryle Jesinoski's letter to Countrywide within the three-year period to be insufficient to rescind their mortgage.
This week's decision squarely rejected that argument. Justice Antonin Scalia wrote that the statutory language "leaves no doubt" that a borrower need merely notify the lender to effect a rescission. And that's good news for homeowners, or anyone who might like to become a homeowner, because the threat of rescission is supposed to make lenders very, very careful about providing borrowers with all the information about their mortgages at the time of closing. Requiring a borrower to file suit in order to exercise rescission would have significantly reduced the weight of that threat.
The foreclosure crisis has made abundantly clear that brokers and lenders are not always upfront with borrowers during the mortgage process, as TILA requires. During the subprime boom, lenders unscrupulously targeted communities of color for predatory loans, many with teaser rates and other features that hid the ultimate cost of the mortgage from the borrower. As the ACLU and other civil rights and consumer groups argued in our amicus brief in this case, broad access to TILA's rescission remedy can provide crucial protection for individuals and communities harmed by foreclosure.
And, in recent years, the effects of foreclosure have been truly devastating, particularly for communities of color. More than five million homes have been lost to foreclosure since the real estate bubble burst, and these foreclosures have spillover effects on neighbors and neighborhoods: As of 2012, homeowners living within a city block of a foreclosure lost about $2.2 trillion dollars in property value attributable to those foreclosures, and more than one-half of that amount was concentrated in communities of color. A single foreclosure has been estimated to cost a city government $20,000.
It's gratifying to see the Supreme Court reject the banking industry's attempts to weaken protections for mortgage borrowers that are clearly codified in law. And there could be more. Next week, the Supreme Court will hear Inclusive Communities Project v. Texas Department of Housing and Community Affairs, the culmination of the banking industry's attempt to weaken the Fair Housing Act by eviscerating the disparate impact standard. That standard has been crucial (and effective) in holding lenders accountable for discriminatory lending during the subprime boom and so, as with TILA rescission rights, the industry wants to see it gone. But, as in the TILA case, there is straightforward statutory and regulatory language that makes clear that the current state of the law is correct. Let's hope, for all the sake of our communities, that the Court reaches the same conclusion.
Rachel Goodman is a Staff Attorney at the Racial Justice Program of the American Civil Liberties Union.
Benched! Keeping credit where credit is due
A little over a week into the new Congress, and Senate Judiciary Chairman Chuck Grassley, R-Iowa, has already begun laying the groundwork to limit the number of President Obama's judicial nominees the Senate will confirm.
As we detailed earlier this week, presidents have historically continued filling judicial vacancies even with an opposition Senate in their final two years of office. On average, 20 percent of a president's total judicial confirmations—which would be 76 judges for President Obama—are confirmed in the final two years of office.
The Senate has not yet confirmed any nominees this year. Nonetheless, in a recent article, a Grassley spokeswoman said that the Senator has already started tallying his confirmations for the 114th Congress, presumably to limit the number of additional nominees the Senate will confirm.
Under Grassley's version of new math, the current Senate has already confirmed 11 judges. Grassley counts these judges even though they were reported out of committee and confirmed not in the current Senate, the one in which Republicans are in the majority, but by the last Senate during its "lame duck" session.
Of course, these confirmations were not the accomplishments of Senator Grassley or Senate Republicans. In fact, Senator
Grassley delayed the confirmations for which he now seeks credit and opposed confirming any nominees reported out of committee during the lame duck session. Senate Republicans even blocked their own states' nominees and forced Democratic leadership to file cloture motions on uncontroversial judges, all while many argued that confirmations should be shut down entirely during the lame duck.
Manipulating confirmation numbers and claiming credit where it isn't due does nothing to fill the 44 current judicial vacancies and many more (25 already announced) that will open in 2015. It does nothing for people living in Pennsylvania and Texas, where numerous, longstanding vacancies and rising caseloads have left individuals waiting in line for justice.
Iowa's largest newspaper has called on Senator Grassley to end obstructionist policies and confirm qualified judges to the bench, and Grassley himself has promised to hold hearings soon on pending nominees. We hope he chooses to do so.


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Tuesday, 18 Mar 2014 05:50 PM
The National Transportation Safety Board, which investigates accidents involving pipelines carrying hazardous materials, has been studying the gas lines to determine what caused the explosion and the collapse of the two five-story buildings in Manhattan's East Harlem neighborhood last Wednesday.
The five women and three men killed in the explosion died of burns, smoke inhalation or blunt-force trauma, a spokeswoman for the New York City Medical Examiner said Tuesday. The deaths were ruled accidental, she said.
The buildings came down moments after a resident in the area called utility Consolidated Edison to complain of the smell of gas. The force of the explosion was felt up to a mile away.
The NTSB, in a statement on Tuesday, also said the eight-inch cast iron and plastic gas main that served the buildings had failed a pressure test at the normal operating pressure.
Pressure testing of the lines serving adjacent buildings found no significant problems, the NTSB said.
Last week, the agency said that preliminary tests had indicated a high concentration of gas underground.
Con Edison said two spot checks of the building's gas equipment in February had shown that all systems were operating normally.
On Monday, a Harlem resident filed the first lawsuit related to the blast, charging Con Edison and the owner of one of the buildings with negligence.
The lawsuit, by Harlem resident Michelle Nelson, contends that she "was caused to sustain serious injuries and to have suffered pain, shock, mental anguish." It says the utility and landlord were "negligent in the ownership, operation, management, control, maintenance, repair and/or construction of the aforesaid premises and its natural gas service lines."
A spokesman for Con Edison said on Tuesday the company would review the complaint "at an appropriate time."
Representatives of the building's owner could not immediately be reached.
Police identified the final victim on Monday as Mayumi Nakamura, 34, a Japanese tourist. Nakamura had been staying in one of the buildings that fell, and it took longer to release her identity as her family had to travel from Japan to identify her, authorities said.
About 60 families, or 100 people, were evacuated from the neighborhood following the collapse of the buildings, and many have yet to return to their homes as the investigation continues.
© 2015 Thomson/Reuters. All rights reserved.
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