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Cooperative Extension Service Financial Connections Library October, 2001 FCL-1 Overcoming Financial Difficulties Ron Wall, Extension Specialist in Family Economics Department of Family and Consumer Sciences An interactive program guide aimed at assisting recently unemployed, underemployed, separated, divorced, widowed, and other financially distraught individuals in overcoming financial difficulties due to the loss of income by means of reality-based information, reflection, and response Program Highlights—Expect to learn: • The most important key in the formula for success • Why giving up often feels better than trying again and again • What depression, violence, and headaches all have in common • How to avoid negative responses and rely on positive ones • What it is that successful people never seem to run out of • How you can construct your own personal mission statement • What can help you recognize and unleash your greatest strengths • The futility of dwelling on circumstances beyond your control • What heroes know about success no matter what their circumstances • How to develop your monthly budget from ground-zero on up • Three keys to restructuring your budget in troubled times • What you should do when it appears that nothing can be done Table of Contents Introduction ................................................................ 2 Part 3. Achieving rapid recovery Reviewing the road to rapid recovery ................ 12 Part 1. Gaining the strength you need Expense cutter worksheet .................................. 13 Inspiration for your journey to success ................ 4 Your zero-based budget ...................................... 14 Essential keys to achieving success ..................... 5 Beginning your journey to success ...................... 6 Part 4. Controlling your destiny Debt management planner ................................. 16 Part 2. Clarifying your finances Job search planner .............................................. 17 Family financial compass .................................... 8 Your household budget planner ......................... 19 Family financial portrait ...................................... 9 Family financial options sorter .......................... 10 Resources .................................................................. 20 Program highlights revisited ..................................... 20 Published by the College of Tropical Agriculture and Human Resources (CTAHR) and issued in furtherance of Cooperative Extension work, Acts of May 8 and June 30, 1914, in cooperation with the U.S. Department of Agriculture. Andrew G. Hashimoto, Director/Dean, Cooperative Extension Service/CTAHR, University of Hawaii at Manoa, Honolulu, Hawaii 96822. An Equal Opportunity / Affirmative Action Institution providing programs and services to the people of Hawaii without regard to race, sex, age, religion, color, national origin, ancestry, disability, marital status, arrest and court record, sexual orientation, or veteran status. CTAHR publications can be found on the Web site <http://www2.ctahr.hawaii.edu> or ordered by calling 808-956-7046 or sending e-mail to firstname.lastname@example.com. Overcoming Financial Difficulties CTAHR, Oct. 2001 Introduction I n this day and age, no one is immune from the pros- Each part stands alone in addressing a different issue. pect or the reality of financial difficulties. This pub- You may begin anywhere, and you are encouraged to lication is aimed at assisting unemployed, under- begin with the issues you find most interesting. It is in- employed, separated, divorced, widowed, and other tem- tended that you read and respond by writing in the spaces porarily distraught individuals in overcoming financial provided. To get the most out of your own thoughts and difficulties. Those who have experienced sudden or per- reactions, simply follow the brief directions at the top sistent income deprivation due to job loss or a change in of each section. This will help you to reflect on things personal circumstances often feel isolated, alienated, and that may be very important to you and your road to over- helpless. The negative thoughts and feelings of individu- coming financial difficulties. It is important that you feel als caught in such situations may be overwhelming. encouraged by your thoughts and supported by your Thus, the intended role of this publication is to assist actions. Take the time to rest, relax, read, and respond such individuals—by themselves or with the help and in your own time and your own way. Remember that guidance of an instructor, helpmate, or counselor—to the smaller your steps, the surer your footing, and the progress toward full recovery. more lasting the result. This is an individual guidebook that provides a re- Counselors, helpmates, and instructors may use this alistic and empathetic approach to self-actualization. It publication by itself or in concert with other materials attempts to bolster self-confidence, encourage self-reli- and approaches. Clients experiencing financial difficul- ance, expand personal options, and provide realistic ties may be introduced to the publication as a means of methods for examining and reorienting individual be- finding their own way, or they may use it in conjunction havior in a positive and hopeful way. It neither presumes with classroom discussions and personal counseling. It nor pretends that regaining hope or resolving difficul- provides instructors and counselors, as well as personal ties is easy to do. Rather, readers are assured that their helpmates, with a tool that can elicit meaningful re- problems are real and their pain is felt. However, they sponses as a basis for helpful dialogue. Clients should are also assured that progress comes from taking steps always be given the opportunity to review the material that only they can take—first to regain the emotional and willingly undertake its use. If they find it interest- strength they may have lost, and second to find and uti- ing, then its use may be included but never required. lize whatever means are available to make crucial deci- The best approach is to show clients what the publica- sions and take necessary actions. tion is about and how it might be used, and then step Individuals using this publication should treat it as back and give them the time to read, reflect, and respond their publication—one that they can use as they see fit. to what it offers. 2 Overcoming Financial Difficulties CTAHR, Oct. 2001 Part 1 Gaining the Strength You Need Relax, read, and respond to the exercises presented in the following section. 3 Overcoming Financial Difficulties CTAHR, Oct. 2001 Inspiration for Your Journey to Success Find the statement below that is most meaningful to you. Center your thoughts on it and let it inspire you. Know that you will be successful. You will be successful because you want to be successful, you have the ability to be successful, and you must be successful—there is no other choice. The formula for success is simple: Knowing what to do. Knowing how to do it. Gaining the strength to do it. The last of these is often the most difficult, but it is the most important of all. (concept from William Glasser) Today is the first day of the rest of your life. Today is a new day— no matter where you are right now, no matter where you want to go, and no matter what has gone before. (concept from James Russell Lowell) Every journey begins with the first step. You are beginning your journey this very minute. You are taking your first step. Know that every step leads to another step, and each step brings you closer to your goals. (concept from a Chinese proverb) Begin with the end in mind. All things are created twice, first in the imagination and then in reality. Imagine what you want, then do it! (concept from Stephen R. Covey) 4 Overcoming Financial Difficulties CTAHR, Oct. 2001 Essential Keys to Achieving Success Study each key to financial recovery. Choose the one you like best. Think about it. Why is it your favorite? How can it help you? Key to achieving your goals: finding the strength Key to understanding negative behaviors: Some you need. To achieve the goals you desire requires that you behaviors are used to help lessen the pain of failure. Not figure out: (1) what to do; (2) how to do it; and (3) where trying is the first choice. Next comes behaving depressed, to find the strength to get it done. The last of these is usu- violent, abusive, crazy, or ill. These are the most com- ally the most difficult, but it is also the most important. mon ways people try to lessen the pain of failing to suc- ceed and attempt to maintain the relief first felt when Key to self-reliance: knowing that you must help your- they stopped trying. self to achieve your goals. No one is so inadequate that he cannot help himself. Not only can you, but you must. Key to avoiding self-destruction: avoiding drugs Nothing else will do. Nothing else will work. This is the and alcohol. All humans need love and worth. Love truth known by all great heroes in sickness or in health. comes from being loved by others, and worth comes from doing something worthwhile. Alcohol and drugs Key to avoiding despair: knowing that you are only give only the illusion of relief. They give a rush of plea- responsible for what you can do. It might be nice if your sure and relief from the pain of having to do without circumstances were different, the economy brighter, and feeling loved or worthwhile—but only until they wear others more helpful; but you are responsible only for off. Then they intensify the feelings of failure and de- what you can do. Focus on that and do it. stroy one's ambition and life. Key to avoiding pain: never giving up. Giving up may Key to finding strength: persisting in your efforts. feel good now but it will hurt later. Giving up gives tem- Persisting in your efforts means that you accept the pains porary relief from the pain of trying over and over and and anxieties of moving forward in order to achieve your failing again and again. But to keep on trying is the only goals. Strength follows from determination, and you are way to avoid falling prey to more harmful behaviors. determined to succeed by persisting in your efforts. Key to overcoming failure: keep on trying. What Key to achieving success: never let yourself run could be worse than trying and failing? The relief from out of options. If you must rest, then rest and refresh giving up and not having to try does not last. To con- yourself. But come back to the struggle with a never- tinue that relief, you have to try other stress reducers, ending list of options to pursue. These will give you such as becoming depressed, violent, abusive, crazy, or hope and opportunity and direction—and this will give ill. The only real relief comes from trying again and again you the strength to carry on. Remember, successful until you finally succeed. people never let themselves run out of options. Which is your favorite key? How can it help you? 5 Overcoming Financial Difficulties CTAHR, Oct. 2001 Beginning Your Journey to Success Relax, and read the following very slowly and thoughtfully. Imagine a bright new future and your road to achieving it. T here is no doubt that you will be successful. You have the ability to be successful. You have the de- sire to be successful. And you will be successful. Now good. The morning is crisp and clear and beautiful, and very, very beautiful. You see everything now in a whole new way. You are on top of the world and you feel the let yourself take the very first step toward success. Imag- joy and satisfaction of having everything you every ine the success you want. Picture it very carefully. What wanted. Your mind is clear and uncluttered. You see what are you doing? Who are you with? What is all around you really want and feel the comfort it brings. You see you? What does it look like? How does it feel? What are the life you want and know that you will have it—if not you most proud of and who is in your life? Success is today, tomorrow or the next day, or next month or next before you, so keep it in sight. year. But you will have it someday. This image is so bright and crisp and clear that you know you will hold L et yourself remember the last time you were really successful? What were you doing? Who were you with? What was all around you? And what were you onto it. You know you will think of it again and it will inspire you to do what you need to do, what you must do, and what you know you know how to do. feeling? Feel that same warmth and joy right now. Feel the tension draining from your neck and sliding from your shoulders. Feel it rolling down your arms, drain- ing from your elbows, and trickling from your fingers. T he clouds are gone. They have passed away. Your old problems seem so tiny, so distant, and so in- significant. Now you are filled with desire and confidence Let it go. Let it go. Let it drain from your body and feel and strength. Come back to the room now and feel your the calm. Let it go. Let it go. arms hugging each other. Feel your mind relaxed and at ease. Feel refreshed and ready to begin anew from this C lose your eyes and imagine that there are many dark clouds overhead. But as you look up, they begin rolling on by faster and faster and faster. They are roll- day forth. You feel confident and you feel successful. You will be successful because you want to be successful and you can be successful. You want to get started and you ing away faster and faster until you can barely see them will. You will begin to think successfully and to act suc- in the far, far distance. Now they are gone, and the day- cessfully. Come back to the room now. Know that you light is getting brighter and brighter. Sunlight is all will think these thoughts again. You will find these around you, and it is getting brighter and brighter and thoughts and feelings once again, and you will find your brighter until you can barely keep your eyes open. You way to success in your own time and at your own pace. strain to keep your eyes open but it is no use. The sun- And you will begin right now with images of success. light is too bright and your eyes begin to shut tight. They are closed now and you feel cooler. It is so nice and so relaxing that you want to stay right here forever. K now that you will be successful. The formula for success is simple. Today is the first day of the rest of your life. Every journey begins with the first step. Y ou can't open your eyes. You try to open them but they are shut tight, so tight that images of light begin burning in your mind. These images are bright, Begin with the end in mind. Now you are ready to begin your journey to success and you will begin—you will begin very soon. Come back to the room. Open your bold and beautiful, and you're surrounded by all that is eyes and smile. You're O.K. You're ready to begin. 6 Overcoming Financial Difficulties CTAHR, Oct. 2001 Part 2 Clarifying Your Finances Relax, read, and respond to the exercises presented in the following section. 7 Overcoming Financial Difficulties CTAHR, Oct. 2001 Family Financial Compass Examine the five pillars of financial progress and reflect on their meaning for your life. Then list your most important values and goals as a compass for guiding your progress. The five pillars of financial progress • Recognize what you truly value. • Define your goals according to these values. • Develop and utilize resources to support these goals. • Consistently improve your resource management skills. • Avoid procrastination, mismanagement, and waste. What do you value most in your life? 1. ___________________________________________________ 2. ___________________________________________________ 3. ___________________________________________________ 4. ___________________________________________________ 5. ___________________________________________________ What are your most important goals? 1. ___________________________________________________ 2. ___________________________________________________ 3. ___________________________________________________ 4. ___________________________________________________ 5. ___________________________________________________ 8 Overcoming Financial Difficulties CTAHR, Oct. 2001 Family Financial Portrait Uncover your financial portrait by filling in the spaces below. Your financial portrait provides you with a snapshot of your financial condition. It can help you determine the health of your budget, your financial strengths, and your resource options. A. Monthly net income D. Value of assets owned Take-home pay ________________ Home value ________________ Business income ________________ Car values ________________ Interest income ________________ Savings/CDs ________________ Child support ________________ Mutual funds ________________ AFDC payments ________________ Stocks/bonds ________________ Social Security ________________ Life insurance ________________ Annuity income ________________ Real estate ________________ Other _______________ ________________ Other _______________ ________________ Total ________________ Total ________________ B. Monthly living expenses Clothing/apparel ________________ Housing ________________ Clothing care ________________ Utilities ________________ Auto fuel/service ________________ Water/sewer ________________ Auto insurance ________________ Telephone ________________ Other transportation ________________ Home care ________________ Life insurance ________________ Personal care ________________ Entertainment ________________ Child care ________________ Gifts/contributions ________________ Medical/dental ________________ Education/reading ________________ Groceries ________________ Other_______________ ________________ Food Out ________________ Total ________________ C. Monthly debt payments E. Unpaid balances owed Home mortgage (______________) Home mortgage ________________ Auto payments _______________ Auto loans ________________ Installment loans _______________ Installment loans ________________ Personal loans _______________ Personal loans ________________ Credit cards _______________ Credit cards ________________ Education loans _______________ Education loans ________________ Home equity loans _______________ Home equity loans ________________ Consolidation loans _______________ Consolidation loans ________________ Other ________________ _______________ Other loans ________________ Total _______________ Total ________________ F. Monthly budget summary G. Net Worth Summary A. _______________ Total net income D. _______________ Total of assets owned B. _______________ – Total living expenses E. _______________ – Total of balances owed C. _______________ – Total debt payments N. _______________ = Net worth M. _______________ = Monthly budget cushion 9 Overcoming Financial Difficulties CTAHR, Oct. 2001 Family Financial Options Sorter Study the budget improvement strategies listed below. Then indicate your priorities in the columns provided. The Financial Options Sorter provides you with a means to consider and sort your options regarding adjustments to your finances. It focuses on the three major areas of improvement: (1) increasing income, (2) decreasing living expenses, and (3) reducing or reorganizing debts. In times of crisis, it is advantageous to have the whole family gather to consider its options. Take your time to consider each and every option. Sort them according to the scale provided. Then try to identify the specific changes you intend to make in the space available near each. Priority High Moderate Low Increase net income Unemployment benefits ______ ______ ______ Government assistance ______ ______ ______ Find a better paying job ______ ______ ______ Try self-employment ______ ______ ______ Get a temporary job ______ ______ ______ Work overtime ______ ______ ______ Find a second job ______ ______ ______ Reduce W-4 exemptions ______ ______ ______ Convert assets to cash ______ ______ ______ Take in boarder/rent room ______ ______ ______ Let children contribute ______ ______ ______ Decrease living expenses Eliminate nonessentials _________________ ______ ______ ______ _________________ ______ ______ ______ Reduce nonessentials _________________ ______ ______ ______ _________________ ______ ______ ______ _________________ ______ ______ ______ Reduce essentials _________________ ______ ______ ______ _________________ ______ ______ ______ Reduce debt payments Sell assets having loans ______ ______ ______ Pay off smaller balances ______ ______ ______ Negotiate lower payments ______ ______ ______ Consolidate some loans ______ ______ ______ Get a home equity loan ______ ______ ______ 10 Overcoming Financial Difficulties CTAHR, Oct. 2001 Part 3 Achieving Rapid Recovery Relax, read, and respond to the exercises presented in the following section. 11 Overcoming Financial Difficulties CTAHR, Oct. 2001 Reviewing the Road to Rapid Recovery Examine the illustrations below to discover the advantages of a rapid response. W hen a crisis hits, it is important to respond quickly. Decreasing expenses and regaining lost income as soon as possible help greatly to minimize financial those who recovered quickly planned ahead and took decisive action. The illustrations below show the stages of loss and damage and hasten recovery. Sadly, many people fail recovery following the layoff of a worker whose spouse to act quickly and accumulate enormous debt trying remained employed. The hypothetical stages presented to maintain their previous level of expenses. Their may last from several months to several years, and some use of credit escalates and total debt increases. Re- stages may be skipped entirely. Unfortunately, many ducing customary expenses rapidly is like trying to people wait too long before cutting expenses and re- stop a runaway train. It is very difficult. But as the gaining employment. They deplete their savings and ac- illustrations below indicate, the more quickly ex- cumulate tremendous debt while they wait for their un- penses are reduced and income increased, the more employment benefits to run out. Responding more quickly recovery will begin and the more quickly your quickly and realistically can help greatly to avoid debt life will get back to normal. Research indicates that and hasten recovery. Adjusting to reduced income Stages from crisis to recovery Example of steps to recovery after loss of income A stage can last several months to several years Rapid response Slower response Rapid response closes the gap and hastens recovery Slower response increases debt and slows recovery Rapid response decreases expenses and increases income more rapidly Slower response decreases expenses and increases income more slowly 12 Overcoming Financial Difficulties CTAHR, Oct. 2001 Your Expense Cutter Worksheet C rucial situations require crucial action. Thus, while small adjustments in expenses may be able to re- solve small gaps between income and expenses, larger umns below present a gradation in the potential size and impact of changes that you might make in your expenses. After reviewing each expense, check the ones you believe gaps require larger adjustments. Only you can decide what you should eliminate, reduce, or defer. In the spaces pro- you need to do and are willing and able to do. The col- vided, enter the amount of money each action will save. Column A Column B Column C Entertainment and leisure Food and beverages Loans and credit ____ premium cable channels ____ groceries for home ____ credit card payments ____ cable television service ____ school/work lunches ____ rent-to-own payments ____ movies, videos, shows ____ fast food meals ____ store credit payments ____ hobbies, games, sports ____ dining/drinking out ____ installment loans ____ memberships, outings ____ other ____________ ____ personal loans ____ alcohol and tobacco ____ other ____________ ____ gambling and drugs Home and personal care ____ other ____________ ____ cleaning products Transportation ____ paper products ____ auto loan payment Gifts and contributions ____ toiletries & cosmetics ____ fuel and servicing ____ special occasion gifts ____ haircuts and hair care ____ upkeep and repairs ____ holiday season gifts ____ over counter drugs ____ parking and registration ____ religious contributions ____ elective treatments ____ auto insurance policy ____ charitable contributions ____ other ____________ ____ other transportation ____ spending allowances Clothing and apparel Housing and Utilities Savings and investments ____ work apparel ____ rent or mortgage payment ____ contributions to savings ____ clothing and footwear ____ water and sewer fees ____ specials savings plans ____ jewelry and accessories ____ gas and electricity ____ cash-value life insurance ____ alterations and repairs ____ telephone services ____ retirement contributions ____ laundry soaps/services ____ homeowners insurance ____ other ____________ ____ other _____________ ____ property taxes and fees ____ other ____________ Miscellaneous A Miscellaneous B ____ popular magazines ____ medical and dental Miscellaneous C ____ furniture and furnishings ____ babysitting/child care ____ health insurance ____ cell phone and service ____ term life insurance ____ child support/alimony ____ other ____________ ____ other _____________ ____ other ____________ Savings: Column A Savings: Column B Savings: Column C ____ Entertainment and leisure ____ Food and beverages ____ Loans and credit ____ Gifts and contributions ____ Home and personal care ____ Transportation ____ Savings and investments ____ Clothing and apparel ____ Housing and utilities ____ Miscellaneous A ____ Miscellaneous B ____ Miscellaneous C _______ Column A total _______ Column B total _______ Column C total 13 Overcoming Financial Difficulties CTAHR, Oct. 2001 Zero-Based Budget Z ero-based budgeting provides you with the practi- cal means to make significant, emergency reduc- tions in your budget. It is based on the assumption that Following the example in the left-hand column be- low, construct your own zero-based budget on the right. Begin by entering your available net income on the top the most necessary expenses are to be taken care of first right. Enter your own spending priorities and allocations in their order of importance until available monthly in- beginning at the bottom right. Make adjustments until come has been exhausted. all spending allocations fit within available net income, and do not exceed this amount. Sample budget Your budget Net income = $1800 Enter your net income __________ _______________ ________ = _________ ___________________ _________ = __________ + + _______________ ________ = _________ ___________________ _________ = __________ + + _______________ ________ = _________ ___________________ _________ = __________ + + _______________ ________ = _________ ___________________ _________ = __________ + + _______________ ________ = _________ ___________________ _________ = __________ + + _______________ ________ = _________ ___________________ _________ = __________ + + Other expenses 60 = 1800 ___________________ _________ = __________ + + Car insurance 75 = 1740 ___________________ _________ = __________ + + Gasoline 75 = 1665 ___________________ _________ = __________ + + Personal care 25 = 1590 ___________________ _________ = __________ + + Home care 35 = 1565 ___________________ _________ = __________ + + Debt payments 200 = 1530 ___________________ _________ = __________ + + Telephone 30 = 1330 ___________________ _________ = __________ + + Food 350 = 1300 ___________________ _________ = __________ + + Water/sewer 50 = 950 ___________________ _________ = __________ + + Gas/electricity 100 = 900 ___________________ _________ = __________ + + House payment 800 = 800 ___________________ _________ = __________ + + Base 0 Start here to Base 0 list expenses 14 Overcoming Financial Difficulties CTAHR, Oct. 2001 Part 4 Controlling Your Destiny Relax, read, and respond to the exercises presented in the following section. 15 Overcoming Financial Difficulties CTAHR, Oct. 2001 Debt Management Planner The Debt Management Planner is intended to help you identify various possibilities for reducing total monthly debt service in a crisis. Further deliberation and professional counseling is strongly advised before taking action. Liquidate assets. If needed, what assets could you sell or convert to cash in order to reduce or eliminate current debt payments? Enter your available assets and list their current values. Item Current value Additional items Current value ____ Car ___________ ______________________ ___________ ____ Truck ___________ ______________________ ___________ ____ Boat ___________ ______________________ ___________ ____ Savings/CDs ___________ ______________________ ___________ ____ Bonds ___________ ______________________ ___________ ____ Mutual funds ___________ ______________________ ___________ ____ Stocks ___________ ______________________ ___________ Total value: ___________ Negotiate payments. What debt payments could you reduce in the short-term by paying the minimum due, or by negotiating a lower payment or interest only payment with the creditor? Priority Type of debt Identity Current payment Revised payment ______ Credit card _______________ ___________ ___________ ______ Credit card _______________ ___________ ___________ ______ Personal loan _______________ ___________ ___________ ______ Other debt _______________ ___________ ___________ ______ Other debt _______________ ___________ ___________ Old total: ___________ New total: ___________ Consolidate loans. What loans could you consolidate at a lower rate to achieve a lower payment? Current Current Combined New Time Total Item Identity payment balance balance rate period payment ____ Loan ____________ _______ _______ ____ Loan ____________ _______ _______ ____ Loan ____________ _______ _______ ____ Loan ____________ _______ _______ ____ Loan ____________ _______ _______ ________ ______ _______ _______ Home equity loan. How much could you safely borrow through a home equity loan to pay debts and lower your monthly debt service? Use the following formula for a rough estimate. Your home: 75%* of Current Amount market mortgage available value balance for loan ________ minus: ________ equals: ________ * Percentage adjusted downward to allow for greater safety and amount needed to set up loan. 16 Overcoming Financial Difficulties CTAHR, Oct. 2001 Job Search Planner Here are some tools to help you begin a fruitful job search. Read and follow the directions provided for each section. Review a sample work history Examine the sample work history and take note of work habits, abilities, and options. Try to identify the types of employment this person might be able to apply for next. Period Job or title Best thing Worst thing 1990–1992 building services pride in work physically exhausting 1993–1994 grocery shelf stocker good money undependable hours 1995–1998 apartment manager good pay, benefits on call, difficult people 1999–present retail store manager in charge, responsible long hours, staff turnover Construct your work history Follow the model above to construct your work history. Use it to explore your employment options. Period Job or title Best thing Worst thing ______________ ______________________ ______________________ __________________________ ______________ ______________________ ______________________ __________________________ ______________ ______________________ ______________________ __________________________ ______________ ______________________ ______________________ __________________________ ______________ ______________________ ______________________ __________________________ ______________ ______________________ ______________________ __________________________ ______________ ______________________ ______________________ __________________________ Explore your employment options After reviewing your work history, list several responses to each of the following items. 1. The things you like best about what you would consider a good job: 2. The best things that you have to offer to any suitable job or employer: 3. The types of businesses or industries that you would find desirable for employment: 4. The types of work or kinds of positions you believe would suit your needs and abilities: 5. The kinds of work or service you think you could perform to earn money on your own: 17 Overcoming Financial Difficulties CTAHR, Oct. 2001 Motivate yourself to begin your job search Study each statement and identify how it might help you get the job you want and need. • Finding a job is an adventure in self-discovery. • If you hate the job, it will hate you back. • If you feel sorry for yourself, no one else needs to. • There is no such thing as a job waiting to be filled. • It always helps to be in the right place at the right time. • No two people are equally well suited to the same job. • Almost every job has some aspect you excel at. • Put your best foot forward to get beyond the door. • Leave nothing to chance but chance itself. • Would you want you as an employee? • Make yourself too valuable to do without. • Advancement comes from giving, not getting. • Who could help you get the job you really want? • Remember, preparation and persistence pay off. Develop a plan to begin your job search Complete the following list to plan and initiate your job search. 1. Sources I will check to find job vacancy announcements: 2. Places I will call to ask about current and anticipated job openings: 3. Places I will go to inquire about current and anticipated job openings: 4. Businesses I will explore to learn about employment requirements and opportunities: 5. Things I will develop to prepare for a job-site visit or job interview: 6. Things I will do to make sure I am properly prepared for a job interview: 18 Overcoming Financial Difficulties CTAHR, Oct. 2001 Your Household Budget Planner Use this instrument to record revisions needed to regain control of your financial destiny. For purposes of comparison, you can find the old budget figures on your financial profile. A. Monthly net income (old vs. revised) Take-home pay __________ __________ Unemployment __________ __________ Business income __________ __________ Food Stamps __________ __________ Interest income __________ __________ Overtime work __________ __________ Child support __________ __________ Second job __________ __________ AFDC payments __________ __________ Self-employment __________ __________ Social Security __________ __________ Room/boarder rent __________ __________ Annuity income __________ __________ Converted assets __________ __________ Other____________ __________ __________ Children's income __________ __________ Old Revised Total __________ __________ Old Revised B. Monthly living expenses Housing __________ __________ Clothing/apparel __________ __________ Utilities __________ __________ Clothing care __________ __________ Water/sewer __________ __________ Auto fuel/service __________ __________ Telephone __________ __________ Auto insurance __________ __________ Home care __________ __________ Other transportation __________ __________ Personal care __________ __________ Life insurance __________ __________ Child care __________ __________ Entertainment __________ __________ Medical/dental __________ __________ Gifts/contributions __________ __________ Groceries __________ __________ Education/reading __________ __________ Food Out __________ __________ Other____________ __________ __________ Old Revised Total __________ __________ Old Revised C. Monthly debt payments Home mortgage (_____________) Home mortgage (_____________) Auto payments ______________ Auto payments ______________ Installment loans ______________ Installment loans ______________ Personal loans ______________ Personal loans ______________ Credit cards ______________ Credit cards ______________ Education loans ______________ Education loans ______________ Home equity loans ______________ Home equity loans ______________ Consolidation loans ______________ Consolidation loans ______________ Other loans ______________ Other loans ______________ Total ______________ Total ______________ Old Revised D. Old budget summary E. Revised budget summary A. _____________ = Total net income A. _____________ = Total net income B. _____________ – Total living expenses B. _____________ – Total living expenses C. _____________ – Total debt payments C. _____________ – Total debt payments O. _____________ = Old budget cushion R. _____________ = Revised budget cushion 19 Overcoming Financial Difficulties CTAHR, Oct. 2001 Resources Books WETA, Stephen R. Covey & Beacon Productions. Glasser, William. 1965. RealityTherapy: A New Ap- Waddell, Fred, producer. 1992. Solution-Focused Finan- proach to Psychiatry. Reprint, New York: Harper and cial Counseling. Auburn: Genesis Press. Row, 1990. Glasser, William. 1976. Positive Addiction. Reprint, New Counseling services York: Harper and Row, 1985. Consumer Credit Counseling Service. National Foun- Walter, John L., and Jane E. Peller. 1992. Becoming dation for Consumer Credit. Local offices through- Solution-Focused in Brief Therapy. New York: out the United States. Brunner/Mazel. Family Assistance Centers. U.S. Armed Forces. Offices Wubbolding, Robert E. 1988. Using Reality Therapy. at U.S. military installations in the United States and New York: Harper and Row. overseas. Financial Counseling Programs. Cooperative Extension Videotapes Service, USDA participating. Offices at land-grant Casciato, Tom, and Kathleen Hughes, producers. 1995. colleges and universities throughout the United States. Frontline: Living on the Edge. Boston: WGBH Edu- Unemployment and Work Force Development Offices. cational Foundation and Public Affairs Television. State and local government. Locations throughout the Tyler, Sam, and John Nathan, producers. 1996. The 7 United States. Habits of Highly Effective People. Washington, D.C.: Program Highlights Revisited Finding the strength to do what we must do is often the Striving to be positive about yourself and stifling self- most difficult but the most important key in the formula criticism are among the best ways to energize and un- for success. leash your creative mind. Giving up feels better than trying again and again be- It is futile to dwell on circumstances that are beyond cause it gives us temporary relief from the pain of fail- your control; it wastes time and energy that is better spent ing to get what we need. doing what you can do. Depression, violence, and headaches may all be symp- What many heroes know about success regardless of toms that arise to relieve the pain of failure and the fail- circumstances is that no one is so inadequate that he ure of giving up. cannot help himself and he must. Negative responses can most easily be avoided by re- Developing a monthly budget from ground-zero means fusing to give up from the very beginning and refusing beginning with absolute essentials and stopping as soon to accept failure. as income is exhausted. Successful people never let themselves run out of op- Increasing income, decreasing living expenses, and re- tions. They always generate new opportunities whereas organizing debt are three keys to restructuring and cur- others may give up. ing a troubled budget. You can construct your own personal mission statement When it appears there is nothing that you can do, you by basing your goals on what you truly value in life and can always sharpen your abilities, thus, creating more supporting these goals. options for yourself. 20
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offshore books needed
Hi all, i am planning to go around the globe in 2 years, so in order to get as much info as possible i need to read on the subject. Any suggestions of what i should start with ?
Re: offshore books needed
I recently finished Storm Tactics by Lin Parday. Good read about preparing and handling heavy weather at sea.
Re: offshore books needed
ya i did read it about a week ago. damn good book.
Re: offshore books needed
Jim Cornell - World Cruising Routes
Anything by Liza Copeland (http://www.aboutcruising.com/)
Re: offshore books needed
Here's a link to the books I have onboard, the offshore and heavy weather books are all worth reading
Sailing Books
Re: offshore books needed
Thanks alot guys.
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QUITO -- Ecuador has extended for the second time the deadline to submit offers for companies interested in the country's 11th oil licensing round to explore for oil in blocks located in the southeastern Amazon region, the Ministry of Nonrenewable Natural Resources said.
The original deadline to submit offers was May end, but in April the government of President Rafael Correa extended the deadline to July mid. The government extended the deadline again, to November end.
The licensing round was called last November for 13 oil blocks in Pastaza and Morona Santiago provinces, near the border with Peru.
As part of the licensing round, state run oil company Petroamazonas also plans to negotiate directly with foreign state owned companies to jointly develop three other blocks in the area.
The bid opening was suspended after a request from companies that bought papers that asked for more time to evaluate the blocks the Nonrenewable Natural Resources Minister Pedro Merizalde told Dow Jones Newswires, without providing further details.
According to the minister, 10 companies, between private and state owned, have bought the necessary documents to submit offers.
Last year, the government said about 20 companies had expressed interest in the tender, including Repsol, Pacific Rubiales Energy, Talisman Energy, and state-owned companies from Peru, Colombia, Turkey and Vietnam, among others.
Analysts have said the licensing round will be a test of how the Ecuadorean oil sector is seen by investors following the government's 2010 decision to change oil contracts. Private oil producers currently receive fees per barrel rather than taking ownership of the oil they extract.
Additionally, indigenous communities and environmental groups have asked private and public companies not to participate in the bidding, arguing it violates the rights of at least seven indigenous nationalities by imposing oil projects in their ancestral territories.
The Confederation of Indigenous Nationalities of Ecuador (CONAIE), and the Confederation of Amazonian Indigenous Nationalities of Ecuador (CONFENIAE), gathered in the central square of Puyo, in Pastaza province, to oppose the auction that they say "would devastate their communities and their way of life."
Franco Viteri, President of CONFENIAE, said that the nationalities were on alert and would "not rest" until the oil round was canceled. He also said they were willing to mobilize further if needed.
Dow Jones Newswires
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|Home Software category Just in softwares Submit a program Contact us Link to us
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How To Setup Wireless 1.0
How to Setup Wireless CHMOD calculator to change permissions.Company: How To Setup Wireless
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Size: 414 KB
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Screenshot URL: http://www.wirelessnetworkdesign.com/calculator/screenshot.jpg
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Best decade to grow up in?
Just thought I would see what everyone thinks the best decade was to grow up in (doesn't necessarily have to be the one you grew up in). Why did you... Show More
This question has a poll!
Most Helpful Opinion
I grew up in the 90s but I think I'd have to say the 80s. I don't know, I think part of it goes to I'd have liked to have experienced more of the 80s. 90s are definitely a close second, I'm pretty happy with the 90s. Third would be probably the 60s, growing up during the Mercury, Gemini, and Apollo era. (American space exploration). 4th would be the 70s, not quite as big into them. I don't particularly like the 00s as far as growing up is concerned, it really has the least childhood innocence but it would be 5th. I rank the 50s and 30s together next in that they do have the "simpler times" charm to them, but there were other problems associated with them. I can't really say much about the 20s as far as growing up goes as I don't see much differences between them. What I will say is being my age in the 20s would've been good, given the happy go lucky care free nature of them. 10s and 40s are ranked together in dead last due to the wars. You're growing up with people close to you away at war not knowing if they're coming home. Ya not great. 1900s and before, can't say, my history's not good enough.General pointsNot a fan of the Red ScareTV is important, serves as a milestone for convenience technologyGrowing up while the personal computer was still growing up would've been coolVideo games were best between 1988 and 1998Music decades: 1980, 1990, 1970, 2000, 1960 (yes it had the beetles, that's all it had).
Have an opinion?
What Guys Said 4
What Girls Said 5
Well I really like music and I would say that the 90's had the best music. Especailly when grunge came out. Bands like Pearl Jam, Nirvana, Sound Garden, and others. I just wish I was born earlier so I could have been old enough to know what was going on when all that was happening.
i was born in 1989 and growing up in the 90's was pretty good but I would have liked to anve been able to experience more of the 80's. I think kids who are growing up in the 00's don't really have a childhood, they're basically just smaller versions of adults. eg. clothing/sex etc.


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Let me start off by saying that I have dealt with many online Magic Supply companies, some good, some absolutely terrible. Jeff, Brandi, and everyone...Read More ->
Keep up the good work Jeff, and staff. I always find what I'm looking for, and price is always excellent. If shipping costs are required, it's nice...Read More ->


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Individual Berry-Jelly Molds
Made This Recipe? Add Your Photo
Total Time
Prep20 mins
Cook0 mins
An extremely simple, very pretty jellied dessert, which should be served with a shortbread cookie and a small scoop of vanilla ice cream on each plate. Simply buy good shortbread, no need to make it yourself.
- Heat the rosé wine, sugar and gelatine powder over gentle heat, stirring, until the sugar and gelatine have dissolved completely. Do not cook!
- Remove from heat and allow to cool until warm, and not actually setting.
- Divide the berries (strawberries, gooseberries, raspberries - blueberries tend to discolour the jelly) between 4 or 6 ramekins or molds.
- Pour the warm gelatine mixture over the berries. Refrigerate (about 2 hours) to set. It's easiest to put the molds on a flat plate or tin.
- Prep time does not include the setting time.
- Turn out carefully on serving plates, and serve as suggested with ice cream and a shortbread cookie.


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Search Results
Hosted by The Butterfly Site.com, this site offers a plethora of links covering many aspects of Butterfly Gardens. "A butterfly garden is an easy way to both see more butterflies and to contribute towards their...
Drawing on the expertise of lepidopterists and other such experts at Montana State University's Big Sky Institute and the National Biological Information Infrastructure program, this site is a database that provides...
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The Computation
The Computation Themes
The Computation Themes
The title, "The Computation" already gives us a clue, because there's no way a Renaissance poet is going to write an entire poem about adding up numbers. This work is addressed to the speaker's lov...
We like the image of clock hands spinning wildly out of control to describe this poem (see "Setting" for more on this). The poem dislodges us from normal earth-time and takes us into the world of t...
What's that? Sorry, we couldn't hear you over the speaker's weeping and sighing. Throughout "The Computation," he goes through stages of grief including disbelief, a retreat into memories, and spir...
Versions of Reality
"The Computation" becomes progressively more unreal before taking a final swan dive into the supernatural. You don't realize exactly what the poem is about until about halfway through, when the num...
People who Shmooped this also Shmooped...
Noodle's College Search


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Let's talk about time travel. The hot & sticky kind. The kind that you do alone in the kitchen after going to great lengths to bring home a small sour bunch of spring greens. If we're honest, aren't we always cooking back to something?
When I make sorrel soup in the spring, I reassemble my favorite market back home in Montana. First, the old woman with the tiny card table full of the only green thing stubborn enough to brave spring in the Rockies. She told me it was like spinach and—oh my goodness—it is not like spinach. Then, her refusal to sell me anything until the market bell had rung, making its opening official. I couldn't sleep—still can't—and the only cure for that sort of thing is buying vegetables.
I cook back to a cool quiet morning, the cleansing bite of sorrel, and home.
More Sorrel Soup:


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Blizzard Entertainment, which is known for their bestselling and popularly loved video game 'DIABLO' series, has finally launched their latest expansion, DIABLO 3: REAPER OF SOULS. Diablo 3 was released in 2011. It has been two years since Blizzard developed and released the most awaited expansion. During the early years of release, many gamers were immediately disappointed and turned their backs on the game. One of the many reasons was its online servers were very inconsistent.
But things changed when news about an expansion for Diablo 3 came out late 2012. Diablo 3 has earned back many D3 players when the official title 'Reaper of Souls' was announced mid 2013. Gamers were excited,got their characters back up online, and grinded for many hours to prepare for the upcoming expansion.
So now it's released, did Reaper of Souls live up to everyone's expectations? It surely did. Read some of the players comments below:
"(I)t's gotten much better. You should pick it up, it is a very fun game" Spencer Rossi said in the YouTube comments section.
" Game is amazing guys! Crusader is awesome. Soundtrack is awesome. Environments and graphics overall are rich with detail, dark and gothic as F@#K! I love it!" said KineticGTR, YouTube user.
With the new addition to the story line, it's the Angel of Death Malthael's turn to wipe out the lives of the 'Nephalim' characters and all human race. Along the adventure in battling Malthael, there are more things to grind hours for in this exciting new installment.
New Character, New Skills
The Crusader brings in a new twist to the usual strength-type character. He puts on a heavier looking armor, a mace, a shield, and a formidable new set of skills for players to enjoy.
New 'Act', New Map
Act 5 has been added to the game from the previous first four ACTS in Diablo 3. It will give more areas for players to explore, and eventually meet and engage the Reaper at the end.
New Adventures, Loot 2.0
Adventure mode has been added which allows gamers now to freely play from 'Act' to 'Act' without having to reconnect every time. Also one of the many things that had gamers replaying Diablo 3, Reaper of Souls is the Loot 2.0, making grinding for game items more rewarding.


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A short "best of" Erika Lemay's performances around the world.
Music by Reentko
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Monday, March 30, 2015 - 4:25pm
John Tyler Shuts Out Lindale 35-0
Saturday, October 20, 2012 - 12:13am
The John Tyler Lions shut out the Lindale Eagles 35-0 Friday night.
Phil Kuchinsky has the highlights of the game and a post-game interview with JT head coach Ricklan Holmes.
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Movie Info
Post-graduation doubts haunt a group of yuppies in St. Elmo's Fire, Generation X's answer to The Big Chill. Fresh out of prestigious Georgetown University, six friends hang around Washington D.C. in search of something beyond their diplomas: philandering Alex (Judd Nelson) and Leslie (Ally Sheedy) live together in a precarious relationship; Kevin (Andrew McCarthy) pines for Leslie as he wiles away his days writing obituaries for the newspaper; spoiled Daddy's girl Wendy (Mare Winningham) shares a doomed love with Billy (Rob Lowe, sporting more gel than a napalm factory), an ex-frat boy operating on the maturity level of a Montessori pre-schooler; law student Kirby (Emilio Estevez) dreams the impossible dream in his pursuit of Leslie (Andie MacDowell) an older flame from his undergraduate days; and sexpot party-girl Jules (Demi Moore) snorts coke, drinks too much, and sleeps with anything slow enough to catch. Kevin eventually catches the down-and-out Leslie, causing a blow-up with Alex; Jules suffers a breakdown; Billy must face his own demons; Kirbo finds he can't always get what he wants. Visually slick, reasonably well-acted and insufferably hip (at least by '80s standards), St. Elmo's Fire is all glitz and no substance; in the end, one wonders whether the film was made for any reason other than for the audience to have the opportunity to live their vicarious fantasies of being the heppest cats at the bar (again, by '80s standards) through these "beautiful" people. … More
- Rating:
- PG-13 (adult situations/language)
- Genre:
- Drama , Romance
- Directed By:
- Joel Schumacher
- Written By:
- Carl Kurlander , Joel Schumacher
- In Theaters:
- Dec 31, 1984 Wide
- On DVD:
- Nov 19, 2001
- Runtime:
|Buy $9.99
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|Add to Queue
as Kirby Keger
as Billy Hicks
as Kevin Dolenz
as Jules
as Alec Newbary
as Leslie Hunter
as Wendy Beamish
as Beamish
as Dale
as Mrs. Beamish
as Felicia
as Wally
as Howie Krantz
as Ron Dellasandro
as Judith
as Naomi
as Guy
as Welfare Woman
as Myra
as Maitre D'
as Felicia's Date
as Chauffeur
as Postgrad
as Kim Sung Ho
as Woman Banker
as Brother-in-Law #1
as Brother-in-Law #2
as Libby
as Nephew
as Rachel
as Cop
as Clayton
as Tommy Bancroft
as Flirt
as Jules's Date
as Street Tough
as Clayton
as Nurse
as Rowdy Undergrad
as Hysterical Woman
as The New Breed Member
as The New Breed Member
as The New Breed Member
as The New Breed Member
as The New Breed Member
Related News & Features
Five Favorite Films with Joel Schumacher
– Rotten Tomatoes
After St. Elmo's Fire
– Los Angeles Times


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Mavi Jeans
Men's Mavi Jeans 'Matt' Relaxed Fit Jeans (Mid Cooper)
Details & Care
Relaxed-cut jeans perfect for the casual man are crafted from distressed stretch-denim in a vintage blue wash. Color(s): mid cooper. Brand: Mavi Jeans. Style Name: Mavi Jeans 'Matt' Relaxed Fit Jeans (Mid Cooper). Style Number: 937524.See More Details


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10 Jul 2008:
The Arctic Resource Rush is On
As the Arctic's sea ice melts, energy and mining companies are moving into previously inaccessible regions to tap the abundant riches that lie beneath the permafrost and the ocean floor. The potential environmental impacts are troubling.
by ed struzik
In spring, the shores of the Arctic Ocean in Canada's Northwest Territories are buried deep in snow and ice, seemingly devoid of all life and resources. But not far under the surface, in the relatively shallow permafrost, lies what could be one of the largest sources of energy ever discovered, a slushy mix of water, ice, and natural gas known as methane hydrates. These days, Arctic geologists are scrambling to find methods to tap into this abundant store of energy.
Enlarge image
Ed Struzik
A geologist at a site near the Beaufort Sea, where exploratory drilling is taking place for methane hydrates, a potentially enormous source of natural gas.
Gas hydrates — lattice-like ice structures that trap large quantities of methane, the major component of natural gas — are just one of a trove of natural resources in and around the Arctic Ocean. Vast reserves of oil, natural gas, and minerals also lie beneath the frozen sea and land. For centuries, these riches lay out of reach. Indeed, as recently as five years ago, few companies dreamed of investing in the Canadian Arctic because there was no safe and economical way of extracting these resources and shipping them out. In an area nine times as large as California, there was — and is — only one highway, a third of it gravel, which goes to the Arctic Ocean. There is no seaport and no railway.
All that, however, is about to change, as a fast-moving confluence of events is turning the Canadian Arctic — and some northerly regions of Russia and other Arctic nations — into the next Klondike: Just as the Arctic's summer sea ice is melting at an unprecedented rate, soon opening up the fabled Northwest Passage and other shipping lanes, the booming global economy has created a soaring demand for natural resources, sending prices sky-high. The wealth that has lain untapped beneath the Arctic is now rapidly being opened for exploration.
Soon, not only will ships be steaming across the top of the world, shaving 7,000 kilometers off a Europe-to-Asia voyage that now takes them through the Panama Canal — these vessels will also be able to penetrate previously inaccessible expanses of the Arctic to explore for, extract, and transport natural resources.
These developments will have profound environmental, economic, and global security impacts. Unlike Antarctica, where exploitation of minerals has been indefinitely banned under the Antarctic Treaty System, the Arctic is ripe for exploitation. And the environmental implications of this resource rush are sobering, with fleets of ships and oil tankers moving through a pristine marine environment and legions of workers on land drilling and digging for all manner of mineral wealth.
Enlarge image
Ed Struzik
A Canadian Coast Guard icebreaker on the Arctic Ocean. Neighboring countries are making conflicting territorial claims as the resource scramble intensifies.
"It's only a matter of time before a single tramp steamer takes a run through the Northwest Passage," says Michael Byers, who holds the Canada Research Chair in International Law and Politics at the University of British Columbia. "Our ability to stop that ship or clean up if it runs aground and spills its load is severely lacking. We have the longest coastline in the world in a region that is covered by ice for most of the year, and we don't even have an all-weather icebreaker."
With so much money at stake, the Arctic has become a hotbed of territorial disputes as the surrounding countries spar for control of resources. In a report issued earlier this year, two of the European Union's top foreign policy officials warned of the looming international struggle over this energy rich region. The Bush administration, however, is more sanguine, arguing that existing maritime treaties and regular meetings of the five major nations bordering the Arctic Ocean — Canada, Russia, the United States, Norway, and Denmark — will ensure the Arctic's peaceful and responsible development.
This focus on the Far North comes as a result of the stunningly swift disappearance of ice in the Arctic Ocean. Scientists estimate that summer sea ice has declined by about 50 percent since the 1950s. Last year, summer sea ice extent reached a record low, and thick, multi-year sea ice now covers less than 30 percent of the ocean, down from more than 50 percent in the mid-1980s. Experts who once believed that the Arctic Ocean would not be largely free of summer ice until mid-to-late century now concede that the ice could be gone within a decade.
As a result, in nearly every corner of this icy world, resource companies are investing heavily. Energy and mining firms have announced a $17 billion Arctic exploration agreement with Russia. Exxon's Canadian subsidiary, Imperial, has formed a consortium to construct a $16 billion pipeline to send Arctic natural gas to southern Canada and the United States. Last summer, Exxon spent nearly $600 million for the rights to explore a tiny lease in the Beaufort Sea, and this year BP paid $1.2 billion to explore in the same region. French mega-uranium miner Areva, which is one of 40 companies looking for uranium in Nunavut, Canada's new Inuit territory, is considering developing a huge mine. Theirs is just one of 200 development and exploration proposals the once-neglected territory is grappling with these days.
Enlarge image
Ed Struzik
An increasingly common sight in the Arctic Ocean: open water. Soon, the ocean will be ice-free in summer, opening the way for development.
On Canada's Baffin Island — a huge mountain of snow and ice that is home to less than 10,000 people, mainly Inuit — plans are underway to develop a $4.6 billion iron mine and railroad. At Bathurst Inlet in the central Arctic, the Inuit themselves are contemplating construction of a seaport and a new 160 mile-long highway that would open up the Slave Geological Province, widely regarded as the richest untapped mineral deposit in the world. The road also would service three existing diamond mines, with more to come.
Recently, along the shores of the Beaufort Sea in Canada's western Arctic, I got a sense of both the magnitude of these resources and the forbidding terrain that has so far kept them locked up. With the springtime temperature at -35 F (-37 C), I watched as scientists from the Geological Survey of Canada tapped into methane hydrates buried under the permafrost not far from the frozen shoreline. The gas rose quickly in the well before being capped by technicians.
Although methane hydrates are found deep in marine shelves worldwide, the biggest and most accessible reserves lie in the Arctic's relatively shallow permafrost zones and on the Arctic Ocean's continental shelf. The U.S. Geological Survey estimates that there may be more untapped energy stored in gas hydrates than in all of the conventional oil, gas, and coal reserves in the world.
Cognizant of the wealth at stake, many countries, including the U.S. and those in the European Union, are continuing to deny Canada's long-standing claim of sovereignty over the Northwest Passage, through which most of these resources would be transported. They insist that the passage is, like the Suez Canal, an international strait.
Competing claims over Arctic territory are escalating. In 2002, Denmark planted a territorial flag on Hans Island, a tiny, treeless chunk of rock off the coast of Ellesmere Island, only to have Canada later send its own mission to reclaim the island. In the Beaufort Sea, the U.S. is in a dispute with Canada over the maritime boundary off the coast of Alaska and the Yukon, where billions of barrels of oil could potentially be found. Last summer, the Russians used a submersible to plant a flag on the ocean floor at the North Pole, claiming 460,000 square miles — an area nearly the size of Germany, France, and Italy combined. Much of that seabed already has been claimed by other Arctic countries.
Sovereignty, however, is not the only challenge that Canada faces in the Arctic. The environmental threats, on land and sea, are huge. Both the road that the Inuit want to build and the uranium mine that Areva is contemplating will be situated in the calving grounds of two huge caribou herds. Ships sailing through the Northwest Passage may also disrupt bowhead, beluga, and narwhal migrations. And today only a small portion of the biologically important areas bordering the Arctic Ocean are protected in parks or reserves.
But the biggest threat may well come from the captain of a single-hulled, crude oil tanker who tries to save time and fuel by taking a shortcut through the Northwest Passage. If that ship runs aground or is crushed by melting ice spilling out of the High Arctic, it could make the two-year, $2 billion clean-up of the Exxon Valdez look like a kitchen spill.
Experts all agree that Canada is not prepared to handle such a disaster. With no Arctic seaport, no roads, virtually no Arctic naval capability, and very few airports from which to stage a recovery and cleanup, the government would be hard-pressed to mount an effective response. Gary Sergy — an Environment Canada expert who helped pioneer oil spill cleanup technology in the Arctic — questions the ability of anyone to effectively deal with an Exxon Valdez-like disaster in the Canadian Arctic, where the huge Beaufort Gyre is constantly spiraling, pushing enormous volumes of ice and water through dozens of channels in the archipelago.
"How would you get a cleanup crew on site with no port or airstrip?" asked Sergy. " We just don't have the infrastructure. It all boils down to a logistical nightmare."
POSTED ON 10 Jul 2008 IN
Antarctica and the Arctic
Antarctica and the Arctic
North America
It's a terrible shame that we're on the verge of destroying this pristine wilderness.
There seems to be nothing to stop the power of oil companies... Exxon still hasn't been made to account for the Valdez disaster almost 10 years ago.
Posted by
Fair Trade
on 10 Jul 2008
But perhaps oil exploration can be made safe?
Posted by
Jonathan Talbot
on 10 Jul 2008
I'm concerned about upsetting this Arctic environment, but what happens to the rest of the world when all this methane is burned as fuel? It seems like a crazy race to accelerate global warming as quickly as possible.
Posted by Dan Hebert on 11 Jul 2008
Where in Hell have you guys been? This has been
on the front burner for resources and the issue of
the positive feed back of Methyl Hydrates for years
re: climate change.
The albedo impact of an arctic oil spill is hardly
new much less it's longer living impact on fisheries
and wildlife.
Has every one been asleep? or is this a
kindergarden talk to those recently born and
Posted by Bindlepete on 13 Jul 2008
Thanks for writing about this important, urgent
issue. I'm from Oceana, the marine conservation
non-profit, and we are working to protect the
Arctic http://www.protectthearctic.org/ from the
resource rush you eloquently discuss here. Please
join us
campaign_KEY=25056 in our efforts to save the
Posted by Emily from Oceana on 16 Jul 2008
Ed Struzik has written an important article. i wonder what he thinks about my idea of polar cities for survivors of global warming in year 2500, if it comes to that? Ed?
Posted by
Danny Bloom
on 18 Jul 2008
The artic by nature does not belong to anyone. It suprises me that well known countries are so naive to think it belongs to them because they live up in the north. Dubious i say..The earth is for everyone to share.. we all have only one mother and we share her resources it does not belong to anyone period.
Posted by Vanan on 24 Jul 2008
The only way to save the earth is to unify hearts, minds, talents, and resources to do what is needed. We are all of those things, let's do it!
Posted by Marianne on 26 Jan 2009
The environmental threats, on land and sea, are huge. Both the road that the Inuit want to build and the uranium mine that Areva is contemplating will be situated in the calving grounds of two huge caribou herds
Posted by
on 08 Aug 2009
Comments have been closed on this feature.
Canadian author and photographer
Ed Struzik
has been writing on the Arctic for the past 27 years. He is the 2007 recipient of the Atkinson Fellowship in Public Policy and was a finalist for this year's Grantham Prize for Excellence in Reporting on the Environment. His next book,
The Big Thaw
, will be published by John Wiley and Sons in March 2009.
Loss of Snowpack and Glaciers
In Rockies Poses Water Threat
From the Columbia River basin in the U.S. to the Prairie Provinces of Canada, scientists and policy makers are confronting a future in which the loss of snow and ice in the Rocky Mountains could imperil water supplies for agriculture, cities and towns, and hydropower production.
Scientists Focus on Polar Waters
As Threat of Acidification Grows
A sophisticated and challenging experiment in Antarctica is the latest effort to study ocean acidification in the polar regions, where frigid waters are expected to feel most acutely the ecological impacts of acidic conditions not seen in millions of years.
Northern Mystery: Why Are
Birds of the Arctic in Decline?
With some species of Arctic birds experiencing steep drops in population and their prey also undergoing marked shifts, scientists are working to understand what role climate change is playing in these unfolding ecological transformations.
Iceland Seeks to Cash In On
Its Abundant Renewable Energy
Still reeling from recent financial crises, Iceland is hoping to use its bountiful sources of geothermal and hydroelectric energy to help boost its economy. Among the country's more ambitious plans is an undersea cable to carry renewably generated electricity to the U.K.
With Tar Sands Development,
Growing Concern on Water Use
Environmental questions about Canada's massive tar sands development have long centered on greenhouse gas emissions. Now there are mounting concerns about the huge volumes of water used by the oil industry and the impact on the vast Mackenzie River Basin.
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For two towns in northern India, melting glaciers have had very different impacts — one town has benefited from flowing streams and bountiful harvests; but the other has seen its water supplies dry up and now is being forced to relocate.
Designing Wetlands to Remove
Drugs and Chemical Pollutants
by carina storrs
Drinking water supplies around the world often contain trace amounts of pharmaceuticals and synthetic compounds that may be harmful to human health. One solution being tried in the U.S. and Europe is to construct man-made wetlands that naturally degrade these contaminants.
On the River Nile, a Move to
Avert a Conflict Over Water
by fred pearce
Ethiopia's plans to build Africa's largest hydroelectric dam on the Nile have sparked tensions with Egypt, which depends on the river to irrigate its arid land. But after years of tensions, an international agreement to share the Nile's waters may be in sight.
Perennial Rice: In Search of a
Greener, Hardier Staple Crop
by winifred bird
Scientists have long sought to create a perennial rice that would avoid the damage to the land caused by the necessity of planting annually. Now, Chinese researchers appear close to developing this new breed of rice, an achievement that could have major environmental benefits.
In Kenya's Mountain Forests,
A New Path to Conservation
by fred pearce
Kenya's high-elevation forests are the source for most of the water on which the drought-plagued nation depends. Now, after decades of government-abetted abuse of these regions, a new conservation strategy of working with local communities is showing signs of success.
Will New Obstacles Dim
Hawaii's Solar Power Surge?
by erica gies
Blessed with lots of sun and keen to cut its reliance on imported oil, Hawaii has moved to the forefront of residential solar installations in the U.S. But financial and technical hurdles are slowing the state's drive to generate 40 percent of its electricity from renewable energy by 2030.
Atlantic Sturgeon: An Ancient
Fish Struggles Against the Flow
by ted williams
Once abundant in the rivers of eastern North America, the Atlantic sturgeon has suffered a catastrophic crash in its populations. But new protections under the U.S. Endangered Species Act are giving reason for hope for one of the world's oldest fish species.
Agricultural Movement Tackles
Challenges of a Warming World
by lisa palmer
With temperatures rising and extreme weather becoming more frequent, the "climate-smart agriculture" campaign is using a host of measures — from new planting practices to improved water management — to keep farmers ahead of the disruptive impacts of climate change.
Natural Gas Boom Brings Major
Growth for U.S. Chemical Plants
by rachel cernansky
The surge in U.S. production of shale gas is leading to the rapid expansion of chemical and manufacturing plants that use the gas as feedstock. But environmentalists worry these new facilities will bring further harm to industrialized regions already bearing a heavy pollution burden.
How Technology Is Protecting
World's Richest Marine Reserve
by christopher pala
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Mommy Dearest: Mother-in-Law Wants to Help With Newborn
Mommy Dearest,
I'm seven months pregnant and my mother-in-law just called to ask how long my husband and I would like her to stay after the baby is born. Since she lives in a different state, she plans on flying in for the delivery and then helping us get situated at home.
While I love her good intentions, but would prefer if we ease into life as new parents as a couple. I don't want to hurt her feelings, but think three will be a crowd in our small house when I'm bonding with my infant. What should I do?
— Pregnant and Perplexed
To see Mommy Dearest's response, read more.
Pregnant and Perplexed,
The best thing to do is tell your mother-in-law the truth — that you appreciate her kind gesture, but would prefer to spend those first couple of days at home bonding as a family and establishing your own routine. If you are comfortable with her being at the hospital after you deliver, extend an invitation and recommend a place she can stay in the area. If you would like her to visit at a later date, suggest some in the future so she can put it on her calendar. Since she's a mom, she may understand where you are coming from.
— Mommy Dearest
Submit a question for this feature at the Mommy Dearest Group on TeamSugar.
- To the moms who don't feel like they can get it all done — HuffPost Parents
- Breastfeeding in church: would you do it? — BabyCenter Blog
- This everyday activity may raise your child's blood pressure — Real Simple
- Jordana Brewster on son Julian: "I'm in awe every day" — People Moms & Babies
- Forget the suburbs! The city is the best place to raise kids (for me) — Parents
- What you should know about baby's first bath — Today Parents
- Dear perfect mom in the Facebook comments — Scary Mommy


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1 Quart Fog Fluid
To make the perfect setting for any party, haunted house, concert or whatever, a fog machine is perfect. But the fog machine is nothing without the juice, so grab this quart and go fog yourself! Click here for additional info


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Is it time for fresh procurement reform or just a rereading of existing law?
Few activities have vexed the federal complex of Congress, agency managers, overseers and regulation-writers over the decades more than procurement. Buying things, so simple to individuals, is a highly legalized and regulated process in government. Federal News Radio's special report, Missing Pieces of Procurement Reform, will look back at the past 20 years of acquisition laws enacted to gauge their impact, and look ahead to short- and long-term changes that need to happen today to make a difference in 2016 and beyond.
Tags: acquisition , acquisition reform , Missing Pieces of Procurement Reform ,
Jason Miller, Executive Editor, Federal News Radio
Agencies are struggling to follow the rules around cloud computing. The Council of Inspectors General examined 77 commercial cloud contracts across 19 civilian agencies. It found most failed to implement federal guidance and best practices. Federal News Radio's Jason Miller joined Tom Temin on the Federal Drive with details on the councils' new report.
Tags: Jason Miller , Federal Drive , cloud computing , inspector general , Council of Inspectors General , best practices , contracting
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Contractors are casting a wary eye on President Barack Obama's Fair Pay and Safe Workplaces executive order. It seems innocuous because most contractors already comply with labor laws. Still, the EO could cause a lot of mischief. Trey Hodgkins, senior vice president of the Public Sector at the Information Technology Industry Council, joined Tom Temin on the Federal Drive to discuss how the EO affects contractors.
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Big changes are coming to one corner of the General Services Administration in January. GSA's Federal Acquisition Service plans to overhaul its professional contracts by consolidating several multiple award contracts into one big schedule. The new vehicle could generate more than $5 billion in sales. Miguel Garrido, quantitative analyst for Bloomberg Government, joined Tom Temin on the Federal Drive with details.
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President Richard Nixon once joked with Israeli prime minister Golda Meir. He said he'd give her three U.S. generals in exchange for the legendary Moshe Dyan. Meir answered, sure, I'll take General Motors, General Electric and General Dynamics. Today's Defense Industrial Base is operating in a changing and uncertain economy. In the last few years, it's been hit by Defense spending cutbacks. Nayantara Hensel, former chief economist for the Navy, joined Tom Temin on the Federal Drive to describes what this means to the Defense Industrial Base and to the Defense enterprise.
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The Ebola outbreak has forced the Centers for Disease Control and Prevention into overdrive. About 100 staff members are in West Africa. Hundreds of other employees are working at the agency's emergency operations center in Atlanta. Still more are working stateside to protect Americans from Ebola or just picking up extra work so their colleagues can focus on the disease. Ted Pestorius is a management officer for the CDC's National Center for Emerging and Zoonotic Infectious Diseases, where his focus is on the center's employees. Emily Kopp caught up with him at NIH this week, at a conference where he was speaking about ways supervisors can support their employees. She asked Pestorius how is the CDC supporting these employees, and what concerns he hears the most about their well-being?
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Jason Miller, Executive Editor, Federal News Radio
The White House still holds out hope for comprehensive cybersecurity legislation from Congress, but not a lot of hope. Instead, the administration's more likely expectation is a series of smaller bills that address challenges everyone can agree on. Federal News Radio's Executive Editor Jason Miller joined Tom Temin on the Federal Drive to discuss the White House's new approach.
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Dr. Steven Simon, National Cancer Institute
The first atomic explosion took place seven decades ago, but there's still fallout. The National Cancer Institute has embarked on a new study to examine cancer risks from that early detonation. Researchers want to know how many past and present cancer cases in New Mexico may have been induced by the explosion called Trinity. Dr. Steven Simon, head of Dosimetry Unit of the Radiation Epidemiology Branch at the National Cancer Institute, joined Tom Temin on the Federal Drive with details.
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Patrick Redling, Homeland Security Investigations
When it comes to catching child predators, speed is often law enforcement's most important requirement. That's why a mobile app can help. The Operation Predator App, developed at the Homeland Security Department, has already proved successful. One suspect was apprehended less than 36 hours after its launch. Now it's available in Spanish and on Android phones. Patrick Redling is the unit chief for child exploitation investigations at Homeland Security Investigation's Cyber Crimes Center in Fairfax, Virginia. He joined Tom Temin on the Federal Drive to discuss the app.
Tags: Federal Drive , DHS , Patrick Redling , Cyber Crime Division , technology
Bill Zielinski, Chief Information Officer, Social Security Administration
The Social Security Administration has found a new home for all of its data. The agency recently unveiled its new National Support Data Center in Urbana, Maryland. The 300,000 square foot facility replaces the 30-year-old Woodlawn facility that couldn't adapt to changing technology or meet electricity requirements. Chief Information Officer Bill Zielinski joined Tom Temin on the Federal Drive with details.
Tags: Bill Zielinski , Federal Drive , Social Security Administration , data storage , technology , SSA


text:
Conflict Mediation: Student Appreciation Techniques for Handling Conflict
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|Format: Paperback
Vendor: CrossBooks
Publication Date: 2012
Dimensions: 11.02 X 8.27 X 0.11 (inches)
Availability: Usually ships in 24-48 hours.
Publisher's Description
Anger and bullying are parts of growing up, but it seems that conventional ways of dealing with these issues fail. Teachers cannot be expected to keep an eye on every student every second. Parents aren't present in the classroom to defend their third-grader. Kids aren't taught how to take care of their anger until their anger becomes a problem. What can be done, then, to put a preemptive end to the bullying and let the healing begin?
Educator and author Linda Davis presents an alternative way of looking at juvenile psychological development in Conflict Mediation. Davis uses poetry to describe situations, emotions, and resolutions, followed by questions that delve deeper into the meaning of the poems. From an adult who keeps bullies away to ways of using kind language, this workbook guides students to insights on interpersonal interaction.
From her years of observing children in the public school system, Davis has developed an understanding of what it's like to be a kid and of all the difficulties being a kid presents. With poems directed toward third to fifth graders, she also directs her words to teachers, parents, and counselors. Childhood should be fun, not scary. By teaching children about the bad stuff, maybe we can help them reach the good stuff--self-esteem, joy, and kindness to others.


text:
|Reviews for Convergence
| Guest chapter 5 . 3/9
Great story!
| linda.ljc chapter 5 . 12/8/2014
you have a lot of discontinued stories. is Convergence going to be finished. it's good as far as it goes, but it's been a while since it was updated.
| Gracealma chapter 5 . 9/25/2014
Hope you can update more. What is up with Vance?
| flower pot girl chapter 5 . 9/5/2014
A promising beginning.
| Robotech1984 chapter 5 . 8/28/2014
just finished reading this and can't wait to see where this goes and how Abby reacts to being read-in to the stargate program :D
| Acrylate chapter 5 . 11/6/2013
Love the story. Can't wait how they will cooperate and solve the problem together. Please continue soon
| CynthiaW chapter 5 . 10/18/2013
This is a great story. I hope to see an update soon.
SGC having to practically take over an NCIS case is really getting to the team. Gibbs isn't happy about having to keep his team in the dark, but he can understand why it's necessary. Something seems to be up with Vance, though. He's acting weird. I wonder if that Wraith possessed him. Can they do that? I never saw Atlantis, so I'm not familiar with them. Vance's reaction to the possession would explain why he was unconscious. And if the Wraith reacted badly to Vance, he may not have taken full control until after Vance gave his statement. Just a theory.
| PhoenixFire859 chapter 5 . 10/12/2013
This is a great story, please continue it
| Miluzine96 chapter 5 . 9/25/2013
I really like your story and hope you will publish soon !
| Guest chapter 5 . 8/12/2013
Great story so far. I really hope you'll get back to it soon. Thanks.
| Jiltanith chapter 5 . 8/10/2013
I see that your muses are trying to escape again; would virtual chocolate chip cookies be of any help to encourage them to stick around?
I Really Really want to see what's going to happen!
(Thanks for the new chapter! ;) )
| EvE79 chapter 5 . 5/12/2013
I'm happy you decided to start writing this story again!
| OCMichael chapter 5 . 5/9/2013
Didn't DiNozzo's father prefer to be called "Anthony"?
STILL not buying Gibbs' reaction in last chapter.
| Guest chapter 5 . 5/6/2013
Hi, great story, I'm really enjoying it. It's hard to find crossover stories with 2 shows I like. I really hope you continue it and complete it. Nothing is worse then an unfinished story.
| Talon5Krrde chapter 5 . 4/29/2013
More please!


text:
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Hand made hand painted All finishes are hand applied and will vary Hardware not included
Artist - Unknown Size - 30 X 30 Clase - Hand-Painted Oil Hanger Type - Hand Painted Oil
Hand Painted on Canvas
Hand-painted canvas wrap divided into three parts and mounted on brushed steel tubing.
Oil and acrylic hand-painted canvas wrap.
All of the artwork has it's own unique qualities capturing the essence of hand painted art.
Vibrant hand painted birch trees in hues of white, red, and black.
Hand painted coral Dogwood flowers with a teal, auburn & crème background.
Painted Metal Frame Handmade in Mexico; slight natural variations in color and shape will occur.