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The Fannie And Freddy "Secret"
The Obama administration and Democrats have consistently blamed the financial problems that the country has faced on Wall Street, banks and their greed. But it has just as consistently ignored the role and cost of two quasi-governmental agencies which were also in the center of the financial storm – Freddie Mac and Fanny Mae. The Wall Street Journal points out that the cost to the government (and therefore the taxpayer) of these two institutions has been kept "off books" by the fiction that they're "private institutions". But, in fact, they're really not:
As the CBO notes in a recent background paper, the standards for when to include government-sponsored entities in the budget go back to the 1960s, when a Presidential commission laid out a set of questions.
To wit: "Who owns the agency?" (In the case of Fan and Fred, taxpayers.) "Who supplies its capital?" (Taxpayers.) "Who selects its managers?" (The federal government.) And finally, "Do the Congress and the President have control over the agency's program and budget, or are the agency's policies the responsibility of the Congress or the President only in some broad ultimate sense?" (The feds have control in every sense.)
The point, of course, is the claim they're "quasi-governmental" or "private" entities is fiction. They are, in every way, controlled by the federal government and were as involved in the financial melt down as any other institution. In fact, there's an argument that they were the instututions which made the housing bubble possible and, through their policies, encouraged it.
And if you want to talk about losses and costs to taxpayers, take a gander at these numbers:
Since Hank Paulson placed them in conservatorship in September 2008, Fan and Fred have stopped even pretending to be run for profit. Losses have mounted accordingly: Some $291 billion for taxpayers through 2009, $48 billion for the cost of new business in 2009 alone, and $21 billion more this year. Last August, CBO estimated the 10-year cost to taxpayers of keeping Fannie and Freddie afloat at $389 billion.
And it is now estimated that the two will average losses of 8 billion a year for the next 10 years, assuming the housing market stabalizes soon. Yes, that's 80 billion over 10 years in addition to the losses above. Why isn't the president hollering "we want our money back" at them?
The full cost of subsidizing mortgages via Fannie and Freddie, the FHA and Ginnie Mae remains hidden and off the official balance sheet, so there is little political pressure to stop the losses.
As the CBO notes, Fannie and Freddie "purchase mortgages at above-market prices," driving down interest rates and passing some of the savings to home buyers. That subsidy is felt right away, but the risks in providing it are stored up over time, and their real costs may not be felt for years or even decades—as was the case in the years leading up to their spectacular collapse in 2008.
With the spectacular debt the Obama administration and Congressional Democrats are running up, they're looking for every creative accounting means available to hide the truth. This is one of those ways. By pretending that Freddie and Fanny are "private" institutions, when it is clear they belong to the government in every conceivable way, they can keep their losses off the second set of government books presented to the public and say "see, it's really not as bad as you think".
Of course if a bank or Wall Street institution kept those kind of books, they'd go to jail.
WSJ concludes:
We suspect the real reason the White House wants Fan and Fred off budget is to disguise their real costs to taxpayers. They have become off-the-books subsidy engines for the housing lobby, and it is easier to push off the recognition of their losses to some future Administration and Congress rather than pay for them today. The new age of transparency has once again died aborning.
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Warren Buffet – Bank Levy Makes No Sense
Barack Obama was quite fond of quoting Buffet during the campaign. My guess is he'll not be as willing to quote Buffet about his opposition to the President's proposed bank tax:
"I don't see any reason why they should be paying a special tax," said Buffett, the chairman and chief executive officer of Berkshire Hathaway Inc., in an interview on Bloomberg Television today. Supporters of the plan to tax the banks "are trying to punish people," he said. "I don't see the rationale for it."
What he's talking about, of course, is the tax Obama has proposed ostensibly to recover the losses incurred in the TARP program. Obama has targeted about 50 banks to make this repayment.
The levy would apply to firms with more than $50 billion in assets, including Wells Fargo and Goldman Sachs, two companies that Berkshire has investments in. It would exclude Fannie Mae and Freddie Mac, the government-sponsored mortgage lenders taken over by the U.S.
"Look at the damage Fannie and Freddie caused, and they were run by the Congress," said Buffett. "Should they have a special tax on congressmen because they let this thing happen to Freddie and Fannie? I don't think so."
Of course Buffet throws out a point, which I've put it bold, that the administration, Democrats in general and the media have studiously avoided. That's the role that the two quasi-governmental organizations, Freddie Mac and Fannie Mae, played in the financial meltdown (and how much of the TARP money they sucked down). In fact, the tax is as much about recovering the money they required as anything. But pointing that out would be detrimental to the narrative the administration has been building about the "greed of Wall Street" and their unilateral culpability. According to Bloomberg data, Freddie and Fanny owe about $110 billion. Buffet, of course, is not so easily fooled:
The levy would apply to firms with more than $50 billion in assets, including Wells Fargo and Goldman Sachs, two companies that Berkshire has investments in. It would exclude Fannie Mae and Freddie Mac, the government-sponsored mortgage lenders taken over by the U.S.
"Most of the banks didn't need to be saved," Buffett said. "Including Wells Fargo."
The bank tax would raise $90 billion over 10 years and, of course, be paid for by the banks customers. Also note that the sum of $90 billion is very close to the amount owed by Freddie and Fanny.
Obama is correct – "we want out money back". But we want it back from the institutions which wasted it. Of course that's impossible since taxing Freddie and Fanny is taxing ourselves. Of course, so is taxing banks. However, it is much more useful to demonize them, play the greed card and pretend the government is blameless than to tell the truth, isn't it?
I mean, if they told the truth, they'd have to implicate Congressional Democrats like Barney Frank, wouldn't they – and that would never do.
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On The Left: Who Are The Nihilists?
Andrew Sullivan (or one of the Andrew Sullivans), supposed "Republican" – or is it "libertarian", I forget – has a post today in which he highlights a liberal reader's lament. It's essence, of course, is this is all Bush's fault and, for heaven sake, how can you expect the grand and wonderful Obama to have fixed his mess in a year?
Well, here's a suggestion – how about by focusing on the problem instead of wandering off in other directions. The commenter centers his or her comments on the fact that they're unemployed and their COBRA benefits are fast running out. And, of course, he or she has a preexisting condition. So the priority is to pass health care?
Really? Is it? Or is it to get that person back on a job?
That, of course, is the argument, isn't it? And all the whining and crying about Bush, etc. won't change the fact that the majority of all the problems now facing the country are best addressed by getting the economy moving. Tax cuts for business, policies that provide incentives for businesses to expand and hire – that is where the government's energy should be focused. Not on ancillary issues that cost trillions and don't even kick in for 4 or 5 years. Sullivan's commenter acts as though getting this health care bill through will save them when their COBRA runs out in 5 months. Not even close.
Business is sitting on the sidelines afraid to expand or hire because of the unsettled business environment. They have no idea what this health care bill will cost them in marginal taxes, so until that becomes clear, why would they hire? Shelving or killing this health care monstrosity would actually help the employment situation. Immediately. Same with cap-and-trade.
The argument, which so enrages this commenter, is taking place now in a series of special elections. And what further enrages this commenter is his side is losing that argument. The answer then is to characterize those who oppose the direction this country is taking as "nihilists". Nihilists?
I have to wonder if either Sullivan or the commenter understand the word? I'm more inclined to believe that it is instead used like "fascist" to really mean "anyone who disagrees with me". But for your edification, here's how nihilism is defined:
1. One who advocates the doctrine of nihilism; one who believes or teaches that nothing can be known, or asserted to exist.
2. (Politics) A member of a secret association (esp. in Russia), which is devoted to the destruction of the present political, religious, and social institutions.
Those definitions really don't support the commenter's premise. In fact, it is the contention of those with whom the commenter is so upset that this administration and the Democrats are engaged in the second definition of "nihilism" with a vengeance. "Libertarian" or "Republican" or whatever he is today Sullivan ends his post with:
For Gods sake, vote for Coakley. Not for Coakley. For the rest of us.
Which brings me to a second blogger who also discusses the Sullivan post and agrees with the lament (and, I would suppose, the characterization of those opposed to the government takeover of health care as "nihilists"). Nothing particularly compelling in his discussion until you get to this part:
It is at moments like this that I wish we had an authoritarian ruler who could take over for a few years, a clear-headed liberal in the classical sense who could ram things through and get them done without giving a thought to the shrieks and cackles of the deranged fringes of either side. It's at moments like this when I think, "The USA could use a little China, or at least a little Singapore." A benevolent despot who can engineer solutions and force them to happen.
Holy liberty loving Hannah.
How about a little USSR? A dab of Cuba? Some of Pol Pot's Cambodia for leavening?
I've come to the conclusion that most of the left are closet authoritarians who, at the drop of a hat, would resort to what this blogger describes if they could get away with it, always with the naive belief that this dictator would be "a benevolent despot". Of course, as pointed out previously, definitions mean little to the left who apparently don't realize that "benevolent despot" is an oxymoron of the first degree.
The hidden desire in Sullivan's last line – a fulfillment of the latter bloggers wish – is a vote to maintain the filibuster proof Senate with the authoritarian power to thwart the minority and ram through what the elite think we should have. Who care what the "nihilists" in flyover country want or don't want. "The USA could use a little
Cuba China" afterall.
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So Let's Say Scott Brown Wins …
I'd say, given all I've read and heard pertaining to the polls, that a win by Brown in today's special Senatorial election in Massachusetts is a pretty solid prediction. But polls have been wrong before. With that said, I think he will pull it off even if only by a point or two.
So what can we expect if that's the case. 364 days after Barack Obama took office and in what Democrats figured was their seat forever given it had belonged to the "Liberal Lion" of the Senate in deep blue and solidly dependable Massachusetts a Republican wins the seat?
What will be the reaction and what are the implications?
According to Politico, President Obama's reaction to such a win will be to "fight hard". Nice words for a pep rally.But if Brown wins, fighting hard will be about all that's left to Obama as the filibuster proof majority in the Senate will have gone up in smoke. And that, of course puts his entire ambitious agenda, to include the pending health care bill, in jeopardy.
A potential casualty: the health care bill that was to be the crowning achievement of the president's first year in office.
The health care backdrop has given the White House a strong incentive to strike a defiant posture, at least rhetorically, in response to what would be an undeniable embarrassment for the president and his party.
Anyone who continues to pretend this isn't an election with far reaching implications and a referendum on the agenda pushed by the President and Congressional Democrats needs to again review the place in which this Republican is leading. Those who would like to put it all on an unattractive candidate need to remember that candidate blew away her closest rival in a Democratic primary by 19 points. This isn't just about Martha Coakley.
An upset by Republican Scott Brown would be covered in many quarters as a repudiation of Obama, especially after Obama's last-ditch campaign appearance with Coakley 36 hours before the polls opened.
This is about an electorate that is increasingly uneasy about the path the federal government under the Democrats is taking. This is a reaction to the action of the last 364 days. And the timing couldn't be any better:
A Massachusetts embarrassment would strongly increase the pressure Obama was already facing to retreat or slow down the "big bang" agenda he laid out a year ago.
That includes cap-and-trade, which Congressional Democrats are backing away from as quickly as they can, and immigration. What this should force, if Democrats can swallow the lesson and heed the consequences of a Brown win, is a shelving of those issues and a concentration on the economy like a "laser beam".
The possibility that Democrats could avoid a blood bath in November is iffy at the moment but salvageable if they do that. If, however, they get combative and attempt to ram through the present agenda (as it appears they will) while continuing to giving lip service to the economy and job creation (shall we have another "job summit"?), then they'll suffer the consequences in mid-terms 10 months from now.
Today's election is a game changer. Even if Brown loses, the message should be clear – back off the spending and expansion of government, concentrate on the economy and do what is necessary to get this country moving again economically, or the voters will put people in who will, even in deep blue Massachusetts.
The polls opened 12 minutes ago – this should be a very interesting day.
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All your retirement money are belong to us
How's that 401(k) working out for you? Well, if the Obama administration has its way, you won't have to worry about that any more.
Apparently, you're too stupid and lazy to be trusted with your own retirement planning. So, what you need is for the government to "urge" you to convert your 402(k) plan to a government annuity.
The U.S. Treasury and Labor Departments will ask for public comment as soon as next week on ways to promote the conversion of 401(k) savings and Individual Retirement Accounts into annuities or other steady payment streams, according to Assistant Labor Secretary Phyllis C. Borzi and Deputy Assistant Treasury Secretary Mark Iwry, who are spearheading the effort.
TaxProf has a roundup of some useful links concerning this, but here's the key takeaway:
There literally isn't enough money in the world to float the T-notes the Treasury must issue in order to prop up our unsustainable spending path. There are, however, about $3.6 trillion in funds just sitting in 401(k) accounts. If the government can urge–or force–you to convert your 401(k) into T-note funded annuities, the Treasury can continue to issue those notes to float the government's deficit. Essentially, you'll be converting your retirement funds into an IOU from the government…just like your social security account has already done.
This will allow the Treasury to keep borrowing money–from your retirement–in order to keep issuing more debt that they may or may not be able to pay back to you
Obama's Failure Can Be Blamed On Congressional Democrats – "It's The Economy, Stupid"
There is a lot of analysis going on about Obama's first year and why, it seems, his job approval numbers are so dismal. And why, given the promise he brought to the White House, at least according to the PR faithfully pushed by his campaign, are Democrats looking at the possibility of large net losses in both houses of Congress?
The first hints of the dissatisfaction of the electorate came in the Virginia and New Jersey gubernatorial races where Republicans won – in VA handily. The Democrats claimed their candidate there ran a lack luster campaign and it wasn't at all a referendum on the Obama administration and the Democratic agenda. But now, the very same thing is happening in Massachusetts with an unknown GOP state legislator giving the Democratic candidate for the "Ted Kennedy" seat, a run for her money (and, in the latest poll, up by 4 points over the Democrat).
Is this too the result of just a lackluster campaign and a poor candidate? Certainly a case can be made for that – except in this case, it is reliably and overwhelmingly Democratic Massachusetts. It doesn't work quite as well there as it might in VA. It is beginning to sound like a bit of whistling past the graveyard.
In fact, as with VA, it is a reflection of some deep-seated dissatisfaction with Democrats in Congress and yes, with Obama as well. Charlie Cook nails the problem today in his analysis of why the Democrats are in such deep electoral trouble:
Honorable and intelligent people can disagree over the substance and details of what President Obama and congressional Democrats are trying to do on health care reform and climate change. But nearly a year after Obama's inauguration, judging by where the Democrats stand today, it's clear that they have made a colossal miscalculation.
The latest unemployment and housing numbers underscore the folly of their decision to pay so much attention to health care and climate change instead of focusing on the economy "like a laser beam," as President Clinton pledged to do during his 1992 campaign. Although no one can fairly accuse Obama and his party's leaders of ignoring the economy, they certainly haven't focused on it like a laser beam.
Cook is actually minimizing the problem somewhat. In fact, Obama and his party leaders have given little but lip service to the economy, unemployment and job creation while they've spent enormous time on agenda items which mean very little to a country suffering the depth of joblessness and economic hardship now prevalent. Add to that their extremely obnoxious handling of what they have focused on, the blatant partisanship in which they've conducted their "business" and the total lack of transparency in that process and you have a pretty toxic picture painted of Democrats in general.
Why, then, did Obama's promise fail to materialize in his administration – at least in the first year? Well there are many reasons. Among them is a rookie politician (Obama) who got rolled by an experienced Democratic leadership that saw a small and closing window of opportunity to pass huge social welfare agenda items that had repeatedly failed in the past and chose to tackle them while ignoring the obvious elephant in the room. My guess is they miscalculated in more than just the way Cook contends. With their majorities, I'm sure they thought they could quickly put these bills together and pass them, leaving plenty of time to work on the economy. But, of course, given the diversity of opinion and interests even among Democrats, that wasn't the case. It has dragged into the new year while work on the economy has been essentially non-existent (they threw a $787 billion pork bill out there and called it "stimulus", figuring their usual panacea – throwing money at a problem – would work. Unsurprisingly, it hasn't).
Voters are mad about that. Rightly or wrongly, they blame the government for what does or doesn't happen on their watch economically. For the most part, government can best affect the economy by making it easier for markets to expand and create jobs – tax cuts, less regulation, etc. Spending rarely sets up the conditions to do that. But regardless, of what action the government takes, voters expect the economy to be the absolute focus of government in times of economic crisis.
That has not been the case at all with this administration or Congress. And, it appears, they're going to pay a huge price for that in 2010 and possibly 2012. What was a bright Democratic future less than a year ago has now become a scouting trip for a good place in the "wilderness" for Dems. If, as many economists expect, unemployment remains at 9% through 2012, we may be reading the obligatory columns about the "Death of the Democratic Party". And while Obama's personal popularity may remain high (while his job approval numbers tank), that doesn't mean such perceived economic negligence will be rewarded with a second term.
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By George The Stimulus Worked! We Say So!
Don't you just love non-falsifiable government claims?
The Obama administration, in its latest progress report on the $787 billion stimulus program, said both the overall economy and employment continued to be in better shape at the end of 2009 than they would have been without the government's help.
Better shape, hmmm? Wasn't this the same stimulus which promised it would keep unemployment below 8% if passed? Yet here we are at 10% with no real relief in sight. Wasn't this the stimulus which was promised to create or save millions of jobs? Even the administration has finally given up making such claims, instead quietly changing the way it makes such determinations and including pay raises and anything even remotely job related on which the money was spent. So when further claims, such as this, are made, they should be taken with a large and skeptical grain of salt:
Though unemployment reached 10 percent at year's end—two percentage points higher than the peak that the council forecast when the administration proposed the stimulus package to Congress nearly a year ago—the number of jobs was between 1.5 million to 2 million greater in the fourth quarter than it would have been without the recovery plan, the council said.
This is the same council that made the 8% claim and changed the rules for counting "saved and created" jobs. If anything, their claims should be completely disregarded.
This is the stimulus which was claimed to be so necessary to the recovery, yet of the $787 billion signed into law, only $263 billion has been spent. How is that a stimulus? The theory is the government pumps money into the economy as quickly as possible to "stimulate" growth and hiring. Yet this particular bill is structured so that less than half the funds are spent within what most would consider the critical first year? That alone tells you two things about this particular bill:
It had little to do with stimulus and a lot to do with pork. In fact, it appears to be a 100% pork bill despite the President's claims to the contrary. Just because individual earmarks weren't in the bill doesn't mean this bill isn't a compilation of wasteful spending and pet projects. They were simply written up differently than they normally are. There was never any intention of spending this money to jump start the economy as witnessed by the amount spent in the first year and its lack of effect. It can be credibly claimed, in contravention of the administration's claim, that it hasn't done anything to stimulate economic growth. Don't get me wrong, I'm not in favor of the spending that has been done or its continuation, but any objective analysis would make the point that $263 billion in a contracting 14 trillion dollar economy is likely to have little effect if any at all. So far the numbers seem to verify that.
Any claims made about the bill's effect should be viewed very skeptically. In reality, this bill was a spending bill, not a stimulus bill. It was the bill which allowed Democratic legislators (and a good number of Republicans) to spend money on things they'd been unable to get through the body in the past. Again, its structure and the items upon which the money were spent make the argument pretty handily. Its failure to "stimulate" as advertised is precisely why there is talk of a second stimulus. There never was a first.
Whatever recovery has gone on in the economy has been largely a result of factors other than this bill. That includes the positive 3rd quarter GDP numbers they try to trot out as "proof" of the stimulus's efficacy. Those numbers were driven by the cash for clunkers program, a program outside the stimulus bill, and were largely illusory. They were illusory because it was "growth" driven strictly by government spending, it was temporary growth because it was simply stealing from future sales, and when all the dust settled, that was quite apparent to those who analyzed the results.
What this present claim is all about is message preparation. These claims, which really don't stand up to scrutiny at all, are being made now for a reason. The president has a State of the Union address coming up soon and needs some "good news" very badly. That's why these non-falsifiable claims are being tossed out there now. Establishing these claims and repeating them often enough is done in the hope of having them become "conventional wisdom" by the time the SOTU address rolls around. Then when the President makes these claims, an uncritical press will parrot them, establishing them as "fact" for the administration and a part of the narrative that will be repeated in 2012.
That is how the game is played, folks.
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Another Program FAIL?
It appears a number of economists and financial experts see it as a failure. Not only a failure but an impediment to recovery.
The Obama administration's $75 billion program to protect homeowners from foreclosure has been widely pronounced a disappointment, and some economists and real estate experts now contend it has done more harm than good.
The harm it has done is precisely the same harm that many of the larger programs have done, and something we warned about here at QandO at the time. Instead of letting the market take the hit it deserved for the bad risk it undertook and giving it an opportunity to digest that and then begin recovering, both the Bush and Obama administration's chose to try and manage the crash and avoid the pain. Consider this particular program a microcosm of what many experts believe we'll see happen in the larger economy. And, as usual, while it was something done with best of intentions it has run afoul of the Law of Unintended consequences and as critics are saying, has seemingly done more harm than good.
Since President Obama announced the program in February, it has lowered mortgage payments on a trial basis for hundreds of thousands of people but has largely failed to provide permanent relief. Critics increasingly argue that the program, Making Homes Affordable, has raised false hopes among people who simply cannot afford their homes.
As a result, desperate homeowners have sent payments to banks in often-futile efforts to keep their homes, which some see as wasting dollars they could have saved in preparation for moving to cheaper rental residences. Some borrowers have seen their credit tarnished while falsely assuming that loan modifications involved no negative reports to credit agencies.
On the other side of the program are the lending institutions who some experts claim are using the program to delay an honest accounting of the toxic loans they have outstanding.
Only after banks are forced to acknowledge losses and the real estate market absorbs a now pent-up surge of foreclosed properties will housing prices drop to levels at which enough Americans can afford to buy, he argues.
Instead, we've chosen to string this all out:
Some experts argue the program has impeded economic recovery by delaying a wrenching yet cleansing process through which borrowers give up unaffordable homes and banks fully reckon with their disastrous bets on real estate, enabling money to flow more freely through the financial system.
In other words, government intrusion – with the best of intentions – has impeded the market's ability to properly reconcile the losses and begin recovering and learn from the experience. Instead, both homeowners and financial institutions have been given false hope that they can avoid this pain and somehow benefit from the program without having to do what is really necessary. And this false hope, upon which reality will eventually intrude, is simply delaying the financial reckoning and further delaying a real recovery. Once that is done:
"Then the carpenters can go back to work," Mr. Katari said. "The roofers can go back to work, and we start building housing again. If this drips out over the next few years, that whole sector of the economy isn't going to recover."
The article goes on to discuss proposed fixes, tweaks and alternatives. But the bottom line is the existing program doesn't help, but instead hurt the chances for recovery within the housing market. And that's the lesson here. There is pain in life, but pain's usefulness is its warning not to do what one did to incur it and to modify behavior in the future to avoid it. The problem with removing the pain quotient is the lessons necessary to modify future behavior and avoid repeating the painful activity are lost. Additionally, by attempting to avoid the pain, the present problem isn't quickly fixed, but instead drags out as false hope does its damage before reality finally takes its course.
No one wants to see people lose their homes, but the fact remains many took on homes they couldn't afford and many lending institutions backed their acquisition. This program isn't going to make their homes more affordable to them nor is it going to make their loans good ones. Time for the players, not the taxpayers, to pay the piper. Government needs to back away. Until they do and the financial reckoning necessary takes place, the recovery in the housing market will continue to be delayed.
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Inflation: The Lurking Beast
Despite all the happy talk from the Fed about its ability to manage the money supply and wring the excess out of the economy at the proper time, avoiding inflation, when and if the economy ever takes off, is going to be a lot tougher than advertised. And we're beginning to see rumblings that inflation is trying to find it's footing:
Inflation at the wholesale level surged in November, reflecting price jumps in energy and other products.
The bigger-than-expected increase is certain to get the attention of Federal Reserve policymakers beginning a two-day meeting on interest rates.
The Fed has been able to keep interest rates at record-lows to bolster the shaky recovery, but if inflation pressures begin to mount, the central bank could be forced to start raising rates sooner than expected to cool the economy and keep prices in check.
That's the trade-off: raise interest rates to hold off inflation. The tricky part is knowing how much to raise them to do that without killing the recovery. And, with the massive amounts of cash pumped into the system, I'm not sure that's possible. Which means it is probable, at some point, that the Fed is simply going to have to make a choice – inflation or high recovery killing interest rates. My guess is they'll choose the latter (while the politicians holler foul and try to spend more money). That's why many don't see economic recovery in the cards any time soon despite the "green shoots" so many politicians continue to spot among the economic ruin of the present economy.
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Berkeley Gets It Wrong – Again
Whatever your feelings on abortion, this isn't representative of what is being considered:
The city of Berkeley made an official statement on abortion Wednesday by sending coat hangers — a symbol of illegal abortions — to 20 Democrats in the U.S. House of Representatives who voted to restrict federal funding for abortions in the health care bill.
Councilmember Kriss Worthington, who co-sponsored the item before the City Council on Tuesday night with Susan Wengraf and Linda Maio, put the coat hangers and an official city letter in the mail Wednesday.
"The coat hanger represents the time when women had to have abortions in back alleys and tried to self-abort," Wengraf said. "My initial take was this is too extreme. But women's reproductive health is very important to me.
"I don't want my granddaughter to go through what my grandmothers had to. I don't want it compromised. I don't think the health care bill is reform if it excludes access to women's reproductive health care."
It does not "exclude" access to "women's reproductive health care", today's euphemism for abortion. Abortion remains legal and accessible. It simply denies payment at a federal level for the procedure, much like coverage for cosmetic coverage is denied. Does the denial of the latter somehow "exclude" access to cosmetic surgeons and make that procedure a "back alley" procedure? No, you simply buy a private bit of insurance or, *gasp*, pay for the procedure out of pocket. But both remain completely legal and completely available. Neither, however, should be subsidized by taxpayers (along with many other things).
"I think the coat hanger is an inappropriate symbol, and it could backfire on us," Wozniak said.
Indeed, it's not only inappropriate, but it demonstrates a fundamental misunderstanding of the proposal which makes the coat-hanger group look foolish. But then consider what group is doing this (the city that banned the military) and it isn't at all surprising they look foolish.
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text:
Robert Browning
A Light Woman
So far as our story approaches the end,
Which do you pity the most of us three?---
My friend, or the mistress of my friend
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Comments about this poem (A Light Woman by Robert Browning )
Herbert Guitang (4/26/2014 7:17:00 PM)
Emily Tong (9/14/2013 2:58:00 AM)
Here is my take on this poem: (probably not perfect, still in the midst of studying literature at A levels)
Basically this is a poem about Browning's friend, and how he has been captivated by a certain lady. However, it is suggested to us that this lady has no intentions of truly loving his friend and perhaps has other ulterior motives, can can be inferred from the animal imagery that surrounds her 'An eagle's the game her pride prefers, though she snaps at a wren instead', which suggests to us that perhaps she's in for some material gains, though she is unable to see that Browning's friend is perhaps not a suitable candidate for this. Also can be seen from the allusions to traps and nets and how his friend is 'tangled in her toils'. As such, in the end, with Browning able to see through her, he has decided to spare his friend the misery of marrying this woman and instead diverted her attention onto himself and married her instead. While this is indeed a noble act, it is not recognized by his friend, who views it as Browning having stolen the girl of his dreams, or in this case, his 'light lady'. To the friend, this lady was almost sort of a holy figure to him and he almost seemed to worship her, as the word 'light' does hold such connotations. Moreover, we are told that his friend's 'day was turned to night' and that his 'sun's disc has elipsed', giving us an indication as to how she was almost sort of a light source for him. His friend then holds much grudges and hatred towards browning, as can be seen through the phrase 'he eyes me as the basilisk', a mythical creature that had the power to kill just by its gaze, which suggests very strong negative feelings that the friend holds against browning. At the end of the poem, we are given a sense that perhaps Browning should not have proceeded with such an action because it has obviously been misinterpreted by his friend and it has caused more harm to his friend now that he has to deal not just with the loss of love, but also the loss of friendship. (Report) Reply
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Robert Frost
A Dream Within A Dream
Edgar Allan Poe
Robert Frost
(March 26, 1874 – January 29, 1963)
Maya Angelou
(4 April 1928 - 28 May 2014)
Edgar Allan Poe
(19 January 1809 - 7 October 1849)
Pablo Neruda
(12 July 1904 – 23 September 1973)
Langston Hughes
(1 February 1902 – 22 May 1967)
Emily Dickinson
(10 December 1830 – 15 May 1886)
William Butler Yeats
(13 June 1865 – 28 January 1939)
Dylan Thomas
(27 October 1914 – 9 November 1953)
Walt Whitman
(31 May 1819 - 26 March 1892)
Elizabeth Bishop
(8 February 1911 – 6 October 1979)
- The Road Not Taken, Robert Frost
- Still I Rise, Maya Angelou
- Daffodils, William Wordsworth
- A Dream Within A Dream, Edgar Allan Poe
- Annabel Lee, Edgar Allan Poe
- Invictus, William Ernest Henley
- If You Forget Me, Pablo Neruda
- Phenomenal Woman, Maya Angelou
- Dreams, Langston Hughes
- Fire and Ice, Robert Frost

subset: commoncrawl


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Nearly one month ago, on March 1 in Columbia, S.C., Aaron Harrison faced a horde of reporters in the bowels of South Carolina's arena and tried to make sense of Kentucky's inexplicable loss to the Southeastern Conference cellar-dwelling Gamecocks.
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I tried to update from 4.4.3 [stable] to 4.4.4 [stable] it went through the flash and said succesful, but when I rebooted the play store was gone. So this time I tried to wipe everything and to flash it again but still no play store. Where did it go?
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Why are you voting for Ted Cruz?
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I like how Rumford, Maine and Campbellton, New Brunswick - populations 6000 and 7000 respectively - are accorded the same weight as New York, Boston and Montreal.
Newark, it's lower case for you.
Fundy National Park, where the Fundies go.


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Today begins my journey to Chester, England! For the next 6 months, I will be living and studying at the University of Chester. After years of dreaming and months of planning, it is time for me to finally board the plane and set off to the UK! As of right now, I am a mix of all emotions. This trip will stretch me in so many different ways. Even though I have traveled a copious amount within the United States, this ...
Departure unnecessary excitment
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Thanksgiving Layover in Dallas
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Concrete counter and copper vessel sinks
This project was a DIY that my husband and I both worked on. We arent finished yet, we still need to reface the cabinets, but I am so proud of how well our counters turned out I had to share it with someone! We poured the countertop ourselves. It took a lot of time, and a lot of grinding, but I think it was worth it. For the counter we bought the following:
4 - bags of Quickrette 5000 (approx $5/bag at Lowes)
2 - bottles of Quickrette Concrete Dye - Color Buff (approx $5 per bottle at Lowes)
1 - 4 inch electric grinder (Cheapest one Lowes had at around $40)
1 GFI extension cord (pretty important when you are wet grinding with electric)$25 at Lowes
Grinding Pads - I used diamond grinding pads from Harbour Freight, they were the cheapest. I got 2 of each grit: 100, 200, 300, 500, 800, 1000, 3000, and 10,000. For all of the grinding pads and shipping it was about $65.
I also had to buy a rubber backing pad and hook and loop backer at Lowes for about $15 so they would attach to my grinder.
Penetrating Sealer for Concrete - I bought a gallon can of it and even after putting 3 coats on I still have most of the can left. Approx $10 at Ace Hardware
Carnuba Wax - I had some in my garage for waxing my car, so it didnt cost us anything.
"Concrete Counters" book by Fu-Tung Cheng. This is a must have item for creating concrete counters. Amazon.com $20.00
The sinks I got on ebay for $175 each.
The faucets are by Fontaine Faucets. I bought them online for around $75 each.
Antique Bronze Tailpieces for the drains. $50 each special order at plumbing supply store. Little did I realize when selecting my sinks and faucets that you have to have a special drain that works with vessel sinks. After numerous special orders, and 6 weeks of waiting we finally go ones that worked.
Thank You! We poured the concrete in a form outside and did all of the polishing outside to keep the mess down. When using the diamond grinding pads you need water running constantly. We figured it would be a lot simpler to setup outside and use the water hose so we wouldnt have to worry about getting water everywhere. It nearly killed two very strong men to carry it in the house though. I think if we did it again we would have 3 people help with the carrying:) By the way, I forgot to add to the materials list: 1 sheet of melamine for the form, rebar, and weld wire for reinforcement.
Question. What type of special drains do you need for vessel sinks? We are thinking of putting a vitreous china vessel sink on top of a granite counter top. Please advise.
You have to get a drain that doesnt have overflow holes. I also had to order one that was longer to go through the width of the concrete plus the height of the vessel sink. If you go to a plumbing specialty store they will understand what you need. The biggest problem I had was finding that type of drain in an antique bronze!
Hi - your counters look great! I'm about to start a similar project with same materials. I have some questions if you don't mind answering 'em. How did you mix your conrete and how long did it take to cure? Other than the colorant, did you add anything else like a water reducer? Did you cover the concrete or keep it wet until it fully cured? Did you use a vibrator to remove air pockets? Did you slurry any to fill holes? How long was the grinding process? Thanks for anything you can provide...
Chuck (cwbest)
My biggest tip for the grinding/polishing is dont spend a lot on a grinder because you are going to mess it up:) I bought a cheap grinder and got my diamond grinding pads from Harbour Freight online. Important: Buy a GFI extension cord and wear heavy rubber gloves. I got shocked a couple of times at first because it is a wet grind. I bought those rubber plumbing gloves that go all the way up your arm. I would also suggest a heavy rubber apron and rubber soled shoes. I just took my time and started at a low grit - 60 and worked my way up to 3000. I kept a slow trickle of water going while I was grinding. Between each grit I rinsed the slab really well and used a squeegee to clean off the sediment.
We used a portable cement mixer. We let the slab cure for about 4 weeks, but it was ready before that. We didnt add anything to the mix except for dye. We didnt keep the slab covered, but we misted it with water every day for the first week. We used a small hand sander (something like the mouse) and ran it along the bottom of the form. THis is the most important step. Take your time and get all of the bubbles out. We did have some small pinholes in our slab and had to do a slurry. The hardest part about the slurry is matching the color. Luckily we went down to the aggregates so it isnt very noticable. I spent about 1-2 hrs a day for a week grinding. It really just depends on what type of finish you are going for. I spent a lot of time grinding on the lower grits to get the aggregates to show. If you wanted a solid color you could skip straight to a higher grit and spend less time grinding. Good luck with your slab! I think you will find this project a lot of work, but a lot of fun and satisfaction when you see the finished project.
We cut out pieces of wood with a hole saw and wrapped them in bubble wrap for the drain holes. we used pieces of PVC Wrapped in bubble wrap for the smaller holes for the faucet. The bubble wrap made them easier to remove when we tapped them out with a hammer. We attached them to the form with screws.
I just love your bathroom. In particular the countertop.
We are in the midst of a MB remodel and we are looking around at countertops. Like Quartz countertops but they are a bit pricey. Would love any suggestions. We have a 61" coutertop with 1 sink on the right.
My BIL is in the hardscape/concrete business, I have got to show him this. Thanks for sharing.
You should be very proud of your hardwork.
I think that's the prettiest concrete countertop I've seen. Congratulations!


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tropical plants in tennessee
Does anyone know if tropical plants can be grown in your state. Im planning for a new location in Tennessee . I would like to try banana and even palm trees . My favorite is camellia and lantana . Thanks for any advice.
Define "tropical". There are certainly some types of bananas and some types of palm trees that will thrive in TN, as well as many camellias. Lantanas will occasionally survive, but not often. Purple trailing lantanas (uhhhhh......Lantana montevidiensis?? I forget at the moment) do tend to survive.
Musa basjoo is the most common banana grown around here. Other people can chime in with other bananas and with some palms to try. Experiment and have fun!
Greenhouser, I guess you are new to our forum. I haven't seen you on here before. If you'll look at some of the previous threads, you'll find that growing certain types of bananas and palms is very common throughout Tennessee. As Amazindirt indicated above, some types are more hardy than others. These types can be grown in most of Tennessee even without a lot of special protection. Even the more sensitive varieties can be grown in Tennessee with just a little love and protection. Many Camellias are hardy down through zone 6a! Mom and Dad's Camellia doesn't suffer any setback whatsoever from winters here. Check out local nurseries and you'll find they are full of Camellias that will do wonderfully here.
Another thing to consider about growing tropicals is that the official zone chart isn't currently matching up to actual conditions. In the past decade or more, the actual conditions have been similar to adding about a zone or even a zone and a half to the official chart. That would put Memphis around zone 8b or 9a!
When I plant trees that I plan on being around for 100 years or more, I am conservative with zone placement. Here in Knoxville I use 7a as my tree planting zone limit (especially with no microclimate present). However for smaller plants, Knoxville has no problem right now supporting plants hardy in zone 7b and maybe even 8a.
Greenhouser -- I'm sorry, but you're quite mistaken about the camellias.
There are several large stands of bananas at the UT Gardens here in Knoxville. They do just great from year to year. The trick is to pick only hardy species. As I mentioned, Musa basjoo is one that does well here without protection -- it is even grown outside much north of here (with more protection the farther north you go).
I grow about 8 camellias myself -- in pots! -- without protection! -- and they do just fine. I also know of several old camellias in the ground scattered around town. Again, it is a matter of picking the hardier varieties.
Over the last couple of years, several palms have also been planted at UT. I am not good at remembering the really hardy palm species, but I believe the saw palmettos are amongst them. I do know that the various fan palms (Mexican, Chinese, European) are hardy to at least zone 8. I have one of each of those in pots outside right now, but I'll stick them inside once it gets really cold.
If you do google searches on "hardy palms", "hardy bananas", and "hardy camellias", you'll probably find quite a lot of info.
Oh, and the lantana -- most will die, but a few people every year seem to report that theirs has survived. The best chance for them is to make sure they have VERY good drainage over the winter. And as I mentioned earlier, the purple trailing lantana (a different species) is hardier than the normal varieties you usually see.
Oh, I forgot to mention --
There was a looooooooong thread right here in the TN forum about hardy palms for TN -- it went on for more than a year. Do a search on "palms" here in the forum, and you'll probably find more info than you ever wanted to know. ;-)
Tropicals wont grow in Tennessee? Well, then whats all that stuff in my yard? Here in our garden over the last several years we have had an interest in growing cold hardy tropicals.
We have tried a little of everything to that end over the last five years or so with quite a bit of success and little effort. In addition to Palms, Camellia, Lantana, and Banana, we also grow two types of Oleander, Sagos, several types of Ginger, a Tapioca tree(12 ft this year!), Fatsia japonica, and we've even had a few Brugs that come back for us from the ground every year as well as a Gloriosa vine that has came back for us for 4 years now.
I think there would be a variety of tropicals that you can grow here in Tennessee. You just need to do a little research and get the best suited plants for colder climates
Heres a photo from a couple of winters ago. This Palm is much bigger now.
Thanks for the info. It's just that I'm living here outside Nashville for almost 30 years and everything considered "tropical" was killed off during our winters. I'm a gardening nut as are most of my friends. None of us had luck with bananas, palms or camellias. The nursery's here tell you to bring these plants into a "frost free" area during winter. Only common begonias will come back if in a protected area such as an el in a south wall.
I'm a little confused as to the terminology.... if they can live through a winter where temperatures can go down to zero, and they do here, why are they called "tropicals?"
That's why I asked the original owner to define "tropical". ;-) People are finding more and more "tropical" plants that can be grown in TN, with varying degrees of protection.
If you are interested in bananas, try basjoo. Both HD and Lowes were selling them last year, so they aren't hard to find. They have also been selling hardy camellias and palms.
I'd also like to jump in and state that many tropicals are grown here as annuals. While only a few lantanas will overwinter here (Miss Huff is hardy for sure), many varieties are cheap enough to grow as annuals. Many tropicals thrive in our long, hot summers, and the larger greenhouses have a good selection of lantana, mandevillas, etc.
As Doug stated, there are several of us that are discovering tropical or tropical-like plants that are hardy through the majority of our winters. A few benefit from "caging" or having a heavy layer of mulch applied to help protect them during the winter. I have numerous gingers (hedychiums and curcumas) and colocasias that are hardy for me.
I am also able to store many tropicals dormant in my basement through the winter - various bananas, plumeria, adeniums, brugmansias, alocasias, etc.
OK, everyone knew that I was gonna pipe in on this one. Chinese windmill, needle palm, and sable minor are all being successfully grown in Knoxville RIGHT NOW. UT convention center and the Ag campus are two public places downtown where they can be seen. Needle has proven hardy to about -10 or more and the other two to at least 0 and possibly -5(maybe more, reports vary). Just as a safeguard, I would recommend throwing a blanket over them the first few years as they are becoming established during the coldest weather. I have many camellias in my yard; they are becoming more common in Knoxville. Check out West Town mall this holiday season and look for a long hedge of blooming sasanquas. Drive down Sutherland and check out a 10 foot(!) blooming sasanqua. Not previously mentioned: Cannas and elephant ears make nice die-back perennials. Cast iron plant also adds nice tropical-like green foliage through the drab winter months, as do trunk-forming yuccas.
PS If you live in the Knoxville area, check out Ellenburg's off Middlebrook across from West Hills elementary. Trachys, needles, cast iron, tea olives, large selection of camellias, anise tree(another nice plant that should be planted more), etc.
BTW: not all plants mentioned in this thread are "tropical". Many fall into the subtropical or warm temperate categories. If its actually tropical, it will die to the ground. Camellias, many palms, and oleander all fall into the subtropical and/or warm temperate categories. The temperature can drop well into the twenties all the way to the gulf coast; these areas grow many varieties of palms and oleander by the truckload. Las Vegas, renowned for its majestic date palms, is known to receive accumulating snowfall on occasion.
"Drive down Sutherland and check out a 10 foot(!) blooming sasanqua."
Yupyupyup, that's one of the ones I had in mind!
"PS If you live in the Knoxville area, check out Ellenburg's off Middlebrook across from West Hills elementary."
Hey -- I knew that Ellenburg's was no longer off Kingston, but I thought they had just closed. Didn't know they had moved. Thanks for mentioning it!
Here is what I have done in Athens TN, about half way between Chattanooga and Knoxville. I have these palms in the gronund: Butia capitata (jelly palm), eriospatha (woolly Butia), Yatay (yatay palm), Chamaedorea radicalis (bamboo palm), Chamaerops humilis (European Fan palm), Rhapidophyllum hystrix (needle palm), Sabal bermudana (Bermuda Fan palm), etonia (scrub palmetto), Mexicana (Texas palmetto), minor (dwarf palmetto), Serenoa repens (saw palmetto), Trachycarpus fortunei (windmill palm), Nanus (Yunnan Drarf palm), Takil (Himalayas palm), Wagnerianus (Waggie Windmill), Washingtonia filifera (California Fan palm).
The hardest of them are the Rhapidophllum -10F, but has survivied -24F in Knoxville, Sabal minor -5 or little colder, the sabal etonia 5F, Sabal palmetto 10F and Trachycarpus fortunei 0F to 5F, but tender when young.
I have so have live oaks(Quercus virginiana), Fatsia japonica, cast iron plant, Eucalyptus neglecta, Gingers, camellias, gardenias, sago palms, spanish moss, hardy bananas, tea olive trees, and hardy eatable citrus trees.
I am the treasurer and membership contact for the Southeastern Palm Society. Here is the website: http://www.sepalms.org/
Here is my personal website:
Buckn21, what can you tell me about hardiness for pindo (is this another name for butia?). I have seen large specimens in northern georgia. Also, European fan. I have seen these listed as possibly hardy to 5 or lower. I am surprised to see the washingtonia on that list. I have read that they are less reliably hardy in wet climates and have not been successful in TN. Ok, last question (I promise). I have been reading about impressive hardiness results for the Afghan palm. Have you had any experience with it?
Myrtleoak & Amazindirt-- The pindo palm is hardy to around 12-15F. It can take colder but it is the duration of the cold that does them in. I have had serval pindos in my garden. The oldest was planted in 1996. It has seen -2F. I lost all the leaves that year. But it came back, it took it 2 years to complete recover. I protected it with the small Christmas and a blanket. It is planted on the south side of my house...that helps. It is about 12 feet all from top to bottom My largest pindo is in the back yard. it is about 16-18 feet tall. It was planted in 2000. I don't worry about them unless it gets below 10F. European Fan palm is planted my cactus garden where it stays dry all winter. They are good to the single digids as long as it is kept dry in winter. The Afghan palm, I have had several, they all died. But I didn't keep the dry in winter. I think most of us that have tried them, gave up on them. The washingtonia palm, I cut all the leaves off if it is going to get in the low 20's, and just wrap it up. I use old blanket and maybe put some small Christmas light on it. But it is a high maintance palm in the winter, wrapping up and unwrapping. I did have one about 7 feet of trunk, but I moved it and it was not happy and died. There are 2 large ones in Knoxville, I'm guessing they are at least 18-20 ft tall. One is off of Cherokee Bvld down bye the river. The onwers wrap them up and leave them all winter.(and remove all the fronds). They bounce back very quickly each year. In one of my albums on webshots I think I have pictures of them. I think it is in the one titled "I-75 Tennessee Palm Corridor."
Here is a link that might be useful: Buckn21's Webpage
I fell in love with European fans when I saw them in the Biltmore greenhouses. There's just something very graceful about the smaller, finer fans, IMHO. And I managed to get a FANTASTIC deal on mine thanks to a clueless Lowe's employee and a missing tag (ended up buying a $60 plant for $15!), so I'm especially fond of this one. ;-)
Mine is doing just great *so far* -- sitting in a 5 gallon pot on my front stoop right now. I was gonna bring it in yesterday, but decided against. We'll see how brave I am about leaving it out as the weather really gets colder, but right now it looks happy. My Chinese fan (also in a pot) is now officially an experimental subject -- it's on its own for the winter!
I may pile some leaves around it, but it ain't going in the ground. It probably wouldn't like my ground anyway -- too wet. If it dies, it dies. It only cost me a couple bucks, and I'm not nearly as fond of it as I am of the European, so I won't be crushed. We will learn something either way!
Camellias, yep - and if you go for some of the 'cold-hardy' Ackerman & National Arboretum selections, you'd have even less to worry about than with some of the japonicas & sasanquas.
Live oaks - I know of Q.virginiana trees in Huntsville AL, and we have one here in southern KY(an hour north of Nashville) probably Q.fusiformis - that's been in the ground for over 35 years, with no evidence of significant winter damage. I've got a few young, 5-6 yr old Q.virginiana seedlings here; leaves are sometimes frostbitten/dessicated after a harsh winter, but no major damage, so far.
Trifoliate orange(Poncirus trifoliata) is pretty much unscathed, at least as far north as Cincinnati OH. The one across the street from my office has been undamaged, and fruiting heavily for years - is/was at least 12-15 feet tall - but the Easter Big Freeze Disaster we had this year - 5 consecutive nights of subfreezing temps following several weeks of daytime temps approaching the 80s - wreaked havoc on it(and many other native trees) - widespread bark splitting from small 1-yr twigs to branches 3" in diameter.
I have a buddy in Flint, MI who grows Musa basjoo outdoors, in the ground , without having to dig or bring it in for the winter.
Hiya Lucky!
Speaking of trifoliate orange, I still have some of the seedlings I grew from the seeds you gave me two or three years ago -- and that 'Flying Dragon' you sent me, as well. I was just looking at that one yesterday, in fact. :-) All of them outside, in pots, with no problems.
I found this info at Woodlanders in SC.
Quercus hemisphaerica
Common Name: Darlington Oak
Large, fast-growing tree much used as a street tree and shade tree in the South. It is almost evergreen and resembles Live Oak but is more upright and not so long-lived. Sometimes confused with Q. laurifolia, a bottomland species. (See DIR, S&W)...
Quercus myrsinaefolia
Common Name: Chinese Evergreen Oak
The most cold hardy evergreen oak. Extremely heat and soil tolerant. Smooth gray Beech-like bark. Superb small street or lawn tree. Handsome. Tolerates clay soil. Hardy to Washington, DC.
Update my Trachy is Doing AWESOME this year I do believe it has grown a foot since last year and also put on about 8 new fronds this year does great here in Nashville, TN. My sago palm is doing awesome.. I did have to give it protection in January from the big freeze. but it is really doing well this year brand new set of fronds on its crown. I purchased a European fan palm (chamerops humilis) this past spring. I Have it planted on a hill in my yard for drainage seems to be a very finicky palm but once planted and established does very well. I guess that sums all up my update... BTW! Blooms nursery unfortunately shut down this early spring I wanna say march a great nursery for palms cycads etc. However I was browsing around at k-mart in the nursery Believe it or not the other day and ran upon many many many palms and cycads and bananas amazingly fairly priced plants and in healthy looking conditions. sooo on that note any updates??!!


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Lewis University has long recognized that a quality education includes both classroom and co-curricular opportunities. The University has endorsed the concept of a healthy mind in a healthy body through the funding of the Student Recreation and Fitness Center.
Here, fitness, wellness, intramural, and recreational programs and activities are provided for the students, faculty/staff, alumni, spouses, and children, as well as other Lewis University community members. This provides a unique environment for students to interact with other members of the larger University community. The Student Recreation and Fitness Center provides a wealth of opportunity for your personal development. Membership to our premier facility opens the door to a variety of fitness, recreational and sporting opportunities for your participation. Clean facilities, convenient hours and a friendly courteous staff help make for a wonderful place to recreate.
Jill Siegfried
Director of Student Recreation, Fitness & Wellness
Amenities at the Lewis University Student Recreation and Fitness Center provide members with convenience.
Lost and Found
Contact the Recreation Center Entrance Customer Service Desk regarding lost items. The manager on duty will contact you if the item is located. The Lewis University Student Recreation and Fitness Center is not responsible for items lost or stolen.
Guest Privileges
Members/students are allowed to bring a guest to the Student Recreation and Fitness Center for a nominal fee each visit. All guests are required to check in with a member and present the appropriate fee to the recreation center entrance customer service representative. Frequent guests can obtain a five-use pass at a reduced fee.
Membership Privileges
Your basic membership entitles you to the following:
Wednesday April 1st
Rec Center: 6:30am-8pm
Pool: 7:30am-9am, 11am-1pm, 5pm-8pm
Weight Room: 8am-8pm
*RIPPED only at 5:15pm
Thursday April 2nd
Rec Center: 8am-8pm
Pool: 8:00am-11:00am, 5pm-8pm
*Yoga at 12:30pm
*Step at 5:15pm
Friday April 3rd
Saturday April 4th
Rec Center: 12pm-4pm
Pool: 12pm-4pm
Sunday April 5th
Monday April 6th
Rec Center: 3pm-11pm
Pool: 5pm-9pm
Weight Room: 3pm-11pm
*No fitness classes
Regular Hours/Classes Resume Tuesday April 7, 2015.


text:
- 18 & over
- Two items minimum
- Special Event
Los Angeles, CA
Comedy Central Certified
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COMEDYJUICE W/ CHRIS D'ELIA, THEO VON AND RYAN SICKLER (Special Event)
Purchase Tickets
Show Details
- Ticket Price: $0.00
- Door Time: 9:30 PM
- Show Type: Stand Up
- Tags: Stand Up Comedy, Mainstream
18 & over
Two items minimum
Special Event
- Presented By:
Performing Artists (Click on Artist for Reviews and Previews
Chris D'Elia
Chris D'Elia is quickly becoming one of the most sought after young comedians and actors in the comedy world, with Variety naming him one of their "Top 10 Comics to Watch." D'Elia currently can be seen starring as Danny on NBC's comedy series Undateable, which was recently picked up for a second season. He also recently completed his first multi-city, cross-country standup tour, "Under No Influence." He previously starred opposite Whitney Cummings on NBC's multi-camera comedy series Whitney.
D'Elia quickly became a regular at the Hollywood Comedy Clubs where he performs multiple times a week. In December 2013, he released his one-hour standup special for Comedy Central, White Male. Black Comic. He has also appeared on Late Night With Jimmy Fallon and on Comedy Central Presents.
D'Elia's other credits include Comedy Central's Workaholics, TBS' Glory Daze and Showtime's Live Nude Comedy.
He currently resides in Los Angeles.
Theo Von
Theo Von is the host of TBS's new hidden camera show "Deal With It" from Howie Mandel. He also currently hosts Yahoo!'s popular daily recap show "Primetime in No Time" - one of the most-watched shows on the web. Theo had the highest rated half hour special on Comedy Central last year. He is a contributing writer for Laughspin.com and the genius behind CrankTexts.com, a website where he texts random numbers and gets into conversations with total strangers. CrankTexts was a weekly featured column on CollegeHumor.com. and has had 10 million page views and averages 18 clicks per visit.
Theo has garnered numerous accolades for his many appearances on TV. He was voted "Fan Favorite" as a semi-finalist on "Last Comic Standing," was the winner of Comedy Central's "Reality Bites Back," and has hosted The Comedy Sideshow podcast – consistently one of the 10 most downloaded video podcasts on iTunes. He was also featured on G4's "The Top 100 Video Games of All Time" and Comedy Central's "Live at Gotham." In addition to headlining clubs across the country, Theo has performed internationally at The South African Comedy Festival and for the troops at Guantanamo Bay. He has also appeared at the prestigious Montreal Just For Laughs Festival, the Chicago Just For Laughs Festival and Comedy Central's South Beach Comedy Festival.
Ryan Sickler
If the adage is true — that tragedy plus time equals comedy — then Ryan Sickler has paid his dues on the left side of the equation. Born in Baltimore, Ryan lost his father when he was 16. After that, he bounced from one relative to another. And while his early years might have seemed rocky, that tumultuous childhood gave him both fodder for material and armor against the relentless onslaught that is life as a standup comic.
His television appearances include The Pete Holmes Show, Comedy Central's Tosh.O, Live At Gotham, Cutman and The Late Late Show.
Beyond standup, Ryan Sickler is an engaging storyteller. You can catch him every Tuesday (Toozdee) on his podcast, The CrabFeast. Inspired by his hometown, the show celebrates the things Ryan loves most — storytelling, family, friends and laughter.
Shang Forbes
Shang, a transplanted New Yorker whose carefully nurtured evolution from stand-up comedy to socio-political satire gives heavy flight to the spoken and outspoken word. The 2009 Famecast Comedy Winner, has been seen on CBS'S THE LATE LATE SHOW, BET's COMIC VIEW , HBO 's DEF JAM, STARZ 1st AMENDMENT, Si TV, COMIC'S UNLEASHED, NBC'S "HEROES", CBS'S "CSI" QUE' LOCOS, & COMEDY CENTRAL, and is seen in his own 1 HOUR SHOW TIME SPECIAL. With over a Million fans signed up thru his website and sell out shows all across the country, Shang is one of the comedians to watch for.
"Provocative, Edgy, Political and Extremely Funny"-LA TIMES
"This guy kills, leaving the audience rolling!"-DVD VERDICT
"Funny, Raw very insightful"-PHILADELPHIA WEEKLY
"Extremely Funny & socially relevant " -NY TREND
Giulio Gallarotti
Giulio Gallarotti is quickly becoming one of New York Citys fastest rising stand-up comedians. Gallarotti recently won Backstages Young Guns of Comedy competition at the Stand-Up 360 Comedy Festival. He has made appearances on MTV and multiple commercial campaigns including Sony, Axe and the Food network. Giulio has been featured on Comedy Time TV, Kill it in a Minute, Live-Laughs.com presents the 99 Cent Store and Rooftop Comedy. Currently Giulio resides in New York City.
Sharon Houston
Sharon's starred on several hidden camera shows (MTV's "Punk'd", Oxygen's "Celebrities Undercover", Disney Channel's "Code 9") and her stand up has been featured on VH1, MTV, and Comedy Central. She's also a storyteller, a Moth StorySlam winner, and was featured on KCRW's podcast, "Strangers." Sharon loves fitness, alcoholics, and is a proud member of Ralph's Club.
Kira Soltanovich
A graduate of the San Diego State University Dramatic Arts Department and with training from the American Conservatory Theatre and The Groundlings, Ms. Soltanovich is extensively trained in every aspect of writing as well. "I loved living in the dorms at college because my father never let me have slumber parties as a kid. He said sleeping on the floor and eating from cardboard boxes was the reason we left Russia." Recently, Kira optioned a 1/2-hour hybrid comedy with New Line Television starring Scott Baio. Based on her writing and acting, she was selected to be a part of the ABC Comedy Development Showcase where she was named "Hottest new writer". She has shot several pilots this year, including a Pilot Presentation for Comedy Central. You might also hear Kira as the voice of "Carla", a teenage know-it-all, on the animated series, Iggy Cool. Kira has been a winner, finalist and semi-finalist in a myriad of comedy competitions and festivals, including Comedy Central's Laugh Riots, California's Funniest Female, Seattle International Comedy Festival, and the Boston Comedy Festival.
Special Guest
ComedyJuice is one of the top comedy brands in the world, producing hundreds of live comedy events and hours of online content every year as well as being an online entertainment destination. With partnerships with many of the other top comedy brands including CollegeHumor.com, Improv Comedy Clubs, Comedy.com, Comix Comedy Club, The Ice House Comedy Club, and National Lampoon, ComedyJuice content reaches a wide national audience of comedy fans through both live events and digital media.
ComedyJuice Live produces over 150 shows every year and works with over 200 of the biggest and best comedians in the country. It's shows have been called the best standup comedy show in the nation by sources ranging from Sirius Satellite radio to People magazine and attracts such comedy stars as Dane Cook, Sarah Silverman, and Dave Attell on a regular basis.
ComedyJuice.com reaches hundreds of thousands of unique readers every month with millions of pages viewed. The website's weekly newsletter reaches well over 100,000 subscribers.
ComedyJuice Productions currently produces web series for both CollegeHumor.com and Comedy.com as well as an array of original content for ComedyJuice.com.
Upcoming Shows
- Sun 3.29.15 - 7:30 PM Big Booty Sundays with Brian Moreno, Andy Kozel, Theo Von, Ali Wong, Roy Wood, Jr., and Neal Brennan Buy Tickets
- Sun 3.29.15 - 9:30 PM HOLLYWOOD UNDERGROUND with KT Tatara, Brian Swinehart, Daniel Kinno, Maronzio Vance, Keith Robinson, Dante Chang, and Bernadette Pauley Buy Tickets
- Mon 3.30.15 - 8:30 PM Mo Better Mondays All-Star Comedy Jam Buy Tickets
- Tue 3.31.15 - 4.21.15 IMPROV OPEN MIC HAPPY HOUR Buy Tickets
- Tue 3.31.15 - 8:00 PM OPERATION COMEDY with Jon Stites, Bryan Callen, Ian Bagg, Christopher Titus and Julian McCullough Buy Tickets
- Tue 3.31.15 - 10:00 PM You've Seen These Guys with Jerrod Carmichael, Fahim Anwar, Lachlan Patterson, Nick Cervantes and Keith Robinson Buy Tickets
See All Shows


text:
FCPA Compliance and Ethics Report-Episode 145-SEC Enforcement of the FCPA, Part II
FCPA Compliance and Ethics Report-Episode 144-SEC Enforcement of the FCPA, Part I
FCPA Compliance and Ethics Report-Episode 142-Reflections on the Goodyear FCPA Enforcement Action
FCPA Compliance and Ethics Report-Episode 141-Pi Day and Compliance Programs
FCPA Compliance and Ethics Report-Episode 140-Leona Lewis
FCPA Compliance and Ethics Report-Episode 139-Amy Lilly, President of GHBER
FCPA Compliance and Ethics Report-Episode 138, Tribute to Mr. Spock and Strict Liability for Internal Controls Under the FCPA
FCPA Compliance and Ethics Report-Episode 136, Joel Borgquist, President of Etik
Polsinelli Podcasts - Hedge Funds Now Using IPR Challenges
FCPA Compliance and Ethics Report-Episode 135, Kevin Brady on the process of sales for the compliance practitioner
FCPA Compliance and Ethics Report-Episode 134, Judge Rakoff, Judge Leon and their comments on DPAs, with the FCPA Professor
FCPA Compliance and Ethics Report-Episode 133, The Oscars and Compliance, Part V with Jay Rosen
FCPA Compliance and Ethics Report-Episode 132-Adam Turteltaub and SCCE Europen Compliance and Ethics Institute
Investment Management Update - January 2015
Homebuilder Series Webinar: Fiduciary Duties & Auditor Liability
FCPA Compliance and Ethics Report-Episode 131, The FCPA Professor Takes a Look Back at 2014
FCPA Compliance and Ethics Report-Episode 130, The Oscars and Compliance, Part IV with Jay Rosen
FCPA Compliance and Ethics Report-Episode 125, The Oscars and Compliance, Part II with Jay Rosen
FCPA Compliance and Ethics Report-Episode 124, The Oscars and Compliance, Part I with Jay Rosen
BigLaw Recruiter: We Didn't Kill Dewey & LeBoeuf
The SEC has brought a series of investment fund fraud and Ponzi schemes. Indeed, the Commission has brought so many of these cases in recent years they have become a staple....more
The NetDiligence 2014 Cyber Claims Study relies on data voluntarily provided by insurers about amounts paid out on cyber claims occurring from 2011 through 2013. Since the Study only accounts cyber claims reported to larger...more
Each year the World Economic Forum (WEF) is held in January in Davos, Switzerland. The WEF has released its Global Risks Report. The report is prepared by the WEF with its strategic partners Marsh & McLennan Companies and...more
Since 2008, the Hong Kong government has conducted two public consultations on healthcare service reforms and possible supplementary healthcare financing options. On 15 December 2014, the Hong Kong government initiated a...more
Background of Health Protection Scheme in Hong Kong -
In 2008, the Hong Kong government conducted the first stage public consultation on healthcare service reforms and six possible supplementary healthcare financing...more
In mid-December, President Obama signed into law a $1.1 trillion spending bill known as the "Consolidated and Further Continuing Appropriations Act, 2015" or "Cromnibus."[1] This post explores provisions that relate to the...more
In the latest chapter of the Amara saga, the Second Circuit recently affirmed the district court's class-wide order to reform CIGNA's cash balance plan, as a means to remedy what the district court previously found to be...more
For several years, industry observers have been predicting the demise of out-of-network business models, yet they still survive. For some providers in certain specialties and certain geographies, a predominantly...more
Over the past decade, there has been a significant increase in the number of physicians who have dropped out of Preferred Provider Organization (''PPO'') and Health Maintenance Organization (''HMO'') networks and attempted to...more
OFAC stated that an insurance company and its affiliates violated OFAC regulations by providing insurance support services for policies that were issued to, or provided coverage for, persons designated on the OFAC Specially...more
On October 13, Moody's released is rating methodology for U.S. Health Insurance Companies.
On October 10, DBRS published its methodologies regarding the following...more
Analysis: HRAs are employer-funded accounts designed to reimburse employees for out-of-pocket medical expenses. Employees are not permitted to contribute their own funds, so they are unlike flexible spending accounts or...more
In an effort to summarize the highlights of the U.S. Department of Housing and Urban Development (HUD) LEAN E-mail Blasts that we receive, and rarely have time to review in a timely fashion, we at Pepper are providing this...more
District of New Jersey Denies Class Certification in Title Insurance Case on Grounds of Ascertainability -
In the latest in a series of decisions from courts in the Third Circuit regarding ascertainability of a...more
The implementation of the ACA has afforded many with the opportunity to obtain insurance coverage. Despite the opportunity, a large number of individuals have either chosen not to enroll in a health plan or have been unable...more
On May 22, 2014, HUD published a new Handbook covering its Section 232 Healthcare Insurance Mortgage Program, which insures HUD-approved lenders against financial loss from mortgage loan defaults in loans to qualifying long...more
Healthcare joint ventures are nothing new. Since the mid-2000's, physician-hospital ventures have been resurgent, notwithstanding the Office of Inspector General's skepticism regarding the risk of fraud and abuse when...more
On January 9, 2014, the Departments of Labor (DOL), Health and Human Services (HHS), and the Treasury (collectively, the "Departments") issued additional health care reform guidance in the form of Frequently Asked Questions...more
With the first month of the year behind us, this report outlines major insurance topics that we will be watching throughout 2014.
Forces, trends and events that we believe will affect regulation, transactions and...more
Preventive Care Expansion for Calendar Plan Year 2015 for Non-Grandfathered or Non-Exempt Plans -
The preventive care coverage requirements were updated in September 2013 to include a requirement that there must be...more
The National Association of Insurance Commissioners (NAIC) returned to Washington, D.C. for its Fall meeting – the final national meeting for 2013. Two notable events overshadowed technical work on various NAIC initiatives: ...more
A federal court in New York appears to have issued the first published decision addressing alleged violations of the enhanced benefit claim procedures arising out of the Affordable Care Act (ACA). The new procedures contain...more
As we approach the end of the year, employers and plan sponsors of qualified retirement plans and health and welfare plans should take time to meet various upcoming deadlines. Failure to comply with the deadlines may result...more
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After weeks of tense negotiations, Congress passed legislation on October 16, 2013 to end the government shutdown and raise the debt ceiling. As part of the deal, congressional leaders agreed to establish a conference to...more
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text:
Independence Lake County Park
peter kunoff October 19, 2011 at 10:24am
north side pulled?
Matt "The Spider" Swider October 17, 2011 at 10:11am
Anyone know if the north side got pulled or not like they said they were?
Nancy Leat October 9, 2011 at 8:35am
@ Pete Kunoff....good luck getting your archon back buddy! lost mine out at Indy and it never came back to me. it never came back, it never came back, it never came back to me!! sorry, was channeling a kids rhyme there. Good luck anyway! LOL
peter kunoff October 9, 2011 at 7:14am
lost orange star archon on hole # 8 chuck d, short in the thick vegetation along left rough. digits/info on the disc.
Matt "The Spider" Swider October 8, 2011 at 8:18am
Get out and play on this gorgeous day. Indy leagues!!!!!
Dan Whitlock October 4, 2011 at 7:27pm
Lost red champ destroyer to the left of 8's fairway, between the fairway and 9's teepad somewhere. Along with the green buzz I lost on 7. I love this course, but at the same time I @#$%ing hate the #$%@ out of it too.
Mike "Papa Par" Even September 29, 2011 at 9:30am
Never understood how so many players manage to shank that drive on 9, blast through the trees and into the drink. Especially with those gale force winds blowing off the lake :)
Nancy Leat September 29, 2011 at 9:30am
WOOOOHOOOOOO!!! Picnic!!!!!! Swider, look at it as job security Buddy!! lol!
Mike "Papa Par" Even September 29, 2011 at 8:58am
sounds like it Pete. Working on my hall pass now, trying to get out there after 5 ish to confirm myself :)
peter kunoff September 29, 2011 at 8:28am
south picnic baskets confirmed in ground?
Scott White September 29, 2011 at 7:40am
Full Picnic: October 14
ken "sega salt" moote September 28, 2011 at 7:03pm
sweet thanks mike. do u know if the full 18 will go back up? if so, when?
Mike Fortunato September 28, 2011 at 6:56pm
When he said "picnic south", he meant holes 9-16.
ken "sega salt" moote September 28, 2011 at 6:08pm
Is the picnic course up!?!?! If so is it all the holes?
Mike "Papa Par" Even September 28, 2011 at 4:25pm
I didn't see anything yesterday, did they just get added?
Scott White September 28, 2011 at 3:46pm
So I take it the picnic south is back! I'll try to get out there Thursday before glow to throw a quickie..
Dan Whitlock September 21, 2011 at 10:38am
Lost green crystal buzz to the far right on 7. Went anhyzer too high and possibly over the fence. Ace marking and phone number on it.
Matt "The Spider" Swider September 20, 2011 at 9:05am
Sweeeeeet. My bad, I thought the tourney was on a Saturday. I stand corrected.
Scott White September 20, 2011 at 8:51am
Union Strikes is on the 16th. http://www.discgolfscene.com/tournaments/Union_Strikes_2011
Matt "The Spider" Swider September 20, 2011 at 8:40am
The other problem is that the 12th is my sisters' birthday, my dad's is th 15th, and I'm the 23rd. Union on my dad's b-day? Don't know how much he'll like that. Ahhhh screw him. What's more important? Turning 55 or playing discgolf?


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Academic Enrichment
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The Berkshires in Western Massachusetts, about 3 hours from the New York metropolitan area, boasts year-round attractions for the whole family. There is biking, both for the advanced teen rider and the beginning tricyclist. The wide, paved 11-mile Ashuwillticook Rail Trail, set to be extended, runs from Pittsfield to Adams, with benches and interpretative signage along the way. Be sure to pick up a brochure identifying the flora and fauna you will encounter along the path. When it snows, you can cross-country ski on the path; and any time of year, you'll find hikers and walkers enjoying the trail.
The Berkshires has four ski resorts, including Bousquet Ski Resort in Pittsfield (www.bousquets.com) and Jiminy Peak Mountain Resort in Hancock (www.jiminypeak.com). Both of these turn their ski slopes into family adventure centers in the summer, with a water slide and bungee trampoline at the former and a mountain coaster and alpine slide at the latter.
If you like to hike, head to the Sterling and Francine Clark Art Institute (www.clarkart.edu) in Williamstown where there are 140 acres of hiking trails. The museum lends visitors GPS units for geocaching, a game using the global positioning devices to find hidden treasures. The GPS systems are loaned out with paid museum admission from June 1 - October 31, and free the rest of the year.
While you are there, visit The Clark's collection of French Impressionist paintings by Monet, Degas, and Renoir. To help engage elementary school children, the museum provides "Looking Carefully" family activity cards. If your child takes ballet, be sure to check out the bronze sculpture, "Little Dancer," by Degas.
Geocaching will eventually lead you to the original upside-down trees at the nearby Massachusetts Museum of Contemporary Arts in North Adams (www.massmoca.org). Trees planted in pots are hung so the soil is on top and the trees point towards the ground. MASS MoCa is in a former mill complex and the buildings also include a restaurant, shops, and offices. At MASS MoCa, the first stop for families is usually Kidspace, a 3,200-square-foot gallery and workshop for children, but kids also love exploring the rest of the museum's bridges and unusually large art. You can start your day with a free gallery tour; there are also concerts, dance performances, and movies.
The Victorian row houses across the street from MASS MocCA, where mill workers once lived, have been transformed into the chic Porches Inn (www.porches.com). The hotel has a heated outdoor pool, a playground next door, and a locally-sourced free breakfast (delivered to your room if you wish). Kids under 12 stay free with their parents.
You can also stay at the Ingalls Crossing Farm Bed & Breakfast in Williamstown (www.ingallscrossing.com). This working dairy farm has two bedrooms; if you are traveling with more than one child, you will need to rent both rooms. Kids can explore the farm and pet the llama and the cows.
For more information, visit www.berkshires.org.
10 Tips for Traveling to Walt Disney World
5 Tips for Visiting Sesame Place in Bucks County, PA
Family Day Trips and Destinations in NY, NJ, CT, MA, and PA
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