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|Property type
|Minimum Stay
|3 nights
Thank you for viewing our listing. This is our second home and we welcome families that will care for it as much as we do. There is a dock for a boat or jet skis. Fish right from the dock! Sanford is great for Bass, Northern Pike, Muskie, Walleye, Bluegill & Perch.
We have 120' of lake frontage with about 30' of sandy beach area for kids to play. The shore is shallow and great for swimming. Sanford Lake is a quiet, 1500 acre lake great for kicking back and relaxing. The marina is only about 1/2 mile from our home and has a boat launch. At the south end of the lake there is a large public beach and a very nice splash park for the kids!
There are 5 bedrooms throughout the 3 levels. The top floor is a loft area featuring the master bedroom with kind bed and full bath. The main level of the home features 2 bedrooms; one bedroom has two twin beds and the other bedroom has one twin bed plus one crib. There is a full bathroom on this floor as well as the living room, dining room, and kitchen. The downstairs features two more bedrooms; one bedroom has a queen bed and a twin bed and the other bedroom has a full bed and a twin bed. There is another full bathroom downstairs as well as the family room with TV and another gathering area with table & chairs and video game area. The downstairs is a walk out basement style. By law we can only have 12 people occupying the home.
Outside you'll enjoy a large, wooded, and secluded yard with playscape swing set with slide, a hammock for reading your favorite book, and a fire pit for warming up smores! Enjoy!!!
Keywords: Lakehouse, boating, fishing, swimming, waterfront,
My wife and I have owned this as a second home since 2007. We have three young daughters and only live about 30 minutes away.
Kip Northrup purchased this house in 2007
We chose to buy this vacation rental because it was close to home and didn't want to drive 2+ hours away every time we wanted to visit. This property is only 15 minutes from Midland, MI which offers a shopping mall, major restaurants, a museum, Dow Diamond, a movie plex, and many other fun activities.
We (4 couples and 4 children under 5yo) stayed at this lake house for a week and had plenty of room for family style dinners, outdoor games, places to tie off 2 boats, and still had private areas for quite time and catching rays etc. The house is completely up to date in amenities and style. The only thing we found hindering us in the kitchen was the lack of a mixer of any sort so I'd recommend bringing a hand mixer if a whisk won't cut it. Both a Keurig and standard coffee maker are available which was great for a group of differing tastes and wake up times.
The Sanford Lake Park is a must-do! Gorgeous maintained beach, charcoal grills, volleyball courts, huge splash pad/park for the kids, accessible by a 30 min boat ride or a 10 minute drive ($10 entry to park vehicles). We went there twice and everyone loved it!
We had a couple rainy/cooler days and still didn't go stir crazy because there are so many areas of the house to occupy and the covered patio of the walk-out basement was great for letting the kids run off some energy and stay reasonably dry.
The lot itself is beautiful and secluded, you can't hardly see the neighbors on either side. It was so peaceful sitting on the porch to enjoy coffee or a book, etc.
Thanks Kip and Nicole for sharing your retreat with us!
My wife and I stayed here for our 25th wedding anniversary and loved this special place. It was march so cold outside, but the house was really cozy. The master bedroom was really nice with a comfortable king sized bed and bathroom attached. The kitchen had everything we needed to stay in and cook our own meals. The house is quite large and very well done. Would love to do a family trip in the summer! Thanks Kip and Nicole for your hospitality, you guys made our 25th Anniversary one to remember!
Ideal home for our entire family, ages 65 - 1yr. The home and property were safe and fun for younger children. Great fishing! The adults could relax and just enjoy being together. Clean, spacious, beautiful view. We had a wonderful time.
Our group is comprised of four old school buddies, who gather each fall for a weekend of fun. We enjoyed every aspect of this property. It was large enough for each of us to have private space, while also enjoying the kitchen, deck, tv room, living and dining rooms together. Everything was sparkling clean, and the grounds were a delight. A visit by a pileated woodpecker added a special touch! We all would recommend this lovely home.
We just returned from a family trip to this beautiful home! We had a group of 6 adults, 3 kids and a baby and there was plenty of room. The owners were very helpful with any questions we had.
The house is gorgeous! Very well appointed and comfortable and clean. The kitchen is spacious enough for 3 of us to be in there cooking at once and had just about everything you could need to whip up a meal. The gas grill was very nice as well.
The deck was wonderful with fabulous deck chairs for lounging and a table with umbrella for dining outdoors. The property is very private despite having neighbors on either side....wide and wooded on the property lines so it feels secluded.
The beach area was perfect for little ones....there is a nice sandy area and it's very shallow so we could let the kids play without fear of it being too deep. The only "drawback" of the lake/beach area is that it is shallow for a bit so swimming for the adults required us to go out quite a ways but the lake is so peaceful that we were able to float out on a raft to get to deeper waters. We also had a boat with us and used it to get to deeper water for swimming.
Fishing on the lake is wonderful as well. The "boys" went out daily and had fun catching fish every outing.
We stayed pretty close to the house this trip but did venture into downtown Midland for a bit of shopping. It is a very nice downtown area with shops and casual dining....the ice-cream at Sam's Pizza was generous and delicious.
If you are looking for something to do in the area, the Great Lakes Loons (Minor league A team for the Dodgers) provide a fun and economical evening. Tickets were very reasonable ($9 for seats, $6 to sit on the lawn with $4 parking at the field) and the field is modern and clean and they have a varied selection of food/drink. We enjoyed a very good game while we were there.
We had a wonderful time at this property and would highly recommend it!
Our family of 8 thoroughly enjoyed our Christmas stay in your home! Everything was clean and just as advertised. The main floor dining/living area is very spacious and great for gathering and family games. A lighted Christmas tree made it feel very festive, and we appreciated the view of other homes' lights across the lake. The owners were very helpful and provided just what we needed for a memorable family gathering.
Lots of geese on the lake and ice on the edges - beautiful at sunrise and sunset. Just wish the state of Michigan could have cooperated and added snow for the week!
We drove to Gladwin for Christmas Eve dinner at the Riverwalk Grill and thoroughly enjoyed the food and atmosphere.
Definitely hope to stay in your home again!
Sanford has a public beach with a great splash park as well!
|Rate Period
|Weekend Night
Peak Season
May 21 2015 - Sep 7 2015
3 night minimum stay
|Refundable damage deposit
|Tax Rate
Payment is usually accepted in the quoted currency (USD) unless the currency and the amount is specifically agreed in advance with the owner / advertiser.


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DocsFlow unites the collaborative editing power of Google Docs to the layout power of InDesign.
DocsFlow lets you place online Google Docs documents as InDesign story contents, just like normal text files. More importantly, DocsFlow maintains a dynamic link so it can intelligently merge Google Docs document changes into the InDesign story contents on each link update, rather than just replacing the story. So you can format, layout, and make minor edits in InDesign, while you and others edit story content together in real time on Google Docs, without losing any work.
DocsFlow Pro, required to import Google more...
What's New
- Addresses issues with anchored, linked items causing damage to the parent story's DocsFlow connection
- OS X 10.6.8 or later
- Adobe InDesign CC or later (see Related Notes for earlier Creative Suites)

subset: commoncrawl


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- Mar 21:
- NCAA wrestling: Gophers finish eighth
- Mar 20:
- NCAA wrestling: Gophers Chris Dardanes, Dylan Ness lose in semifinals
- Mar 19:
- Gophers wrestling: 4 make quarterfinals at NCAA championships
- Mar 7:
- Big Ten wrestling: Gophers in third, send three to finals
- Feb 20:
- Gophers wrestling: Jake Short, Nick Wanzek bring Simley tradition to U
- Jan 31:
- Wrestling: No. 1 Gophers blitzed by No. 2 Iowa 23-12
- Jan 29:
- Gophers wrestling: Heavyweight Michael Kroells has big shoes to fill
- Mar 22:
- NCAA wrestling: Gophers go 0 for 2 in finals, get edged for title
- NCAA wrestling: Gophers lead Penn State for team title heading into finals
- NCAA wrestling: Gophers' Tony Nelson, Dylan Ness reach finals
- Mar 20:
- NCAA wrestling: Third-place Gophers advance eight of nine to second round
- Mar 19:
- Gophers wrestling: Dardanes twins eager to wrestle someone else at NCAAs
- Mar 9:
- Big Ten wrestling: Gophers heavyweight Tony Nelson wins third straight title
OKLAHOMA CITY -- When Minnesota got a little off course Thursday, Dylan Ness was there to reset the compass.
Minutes after the Gophers' second-seeded Nick Dardanes was upset at 149 pounds in the first round, Ness responded with a pin at 157. When Dardanes' twin brother, Chris, was upset at 141 on a last-second takedown in the second round, once again Ness was there minutes later with a pin for the Gophers.
"I think it should help out; just doing my part for the team," Ness said. "I'm glad if it helps the guys behind us get the momentum back and get the energy going."
Minnesota suffered just one other loss on the first day of the NCAA wrestling championships at Chesapeake Energy Arena, advancing six wrestlers into Friday's quarterfinals, with three more alive in the wrestlebacks.
The two pins by Ness were worth four bonus points for the Gophers. That helped put them in a tie with Oklahoma State for second place (21.5 points) behind Penn State (26.5). Iowa, which tied Minnesota for the most quarterfinalists, was tied with Oklahoma for fourth place with 20.5 points.
Even though he came back to win in the consolation first round, the loss by Nick Dardanes was a blow for the Gophers because he was seeded second at 149 pounds.
"It hurts ... but we can't let it get us down," two-time heavyweight national champion Tony Nelson said.
Things turned sour for Dardanes in the second period, when The Citadel's Matthew Frisch recorded a takedown with 17 seconds left to tie the score. In the third, Frisch broke it open with an escape, a takedown and a cradle for a three-point near fall and an 8-5 victory.
After that, Ness, a junior from Bloomington Kennedy, was determined to get the momentum back.
"I go out there every match thinking that, setting a new tone after each match and getting the guys fired up," he said. "I know a lot of guys behind me, it can either be stressful or exciting to watch me, so it depends on which Dylan is out there. I try to make it the exciting one that gets the wins."
That Ness was on display twice Thursday.
In the second round against Oregon State's Roger Pena, Ness answered Pena's first-period takedown with a quick reversal and near fall to go ahead 5-2. When Pena pulled within 8-7 with a reversal, Ness was at it again. This time, Ness' reversal put Pena on his back for the pin in 5 minutes, 45 seconds.
"We had a lot of rolls, scrambles, then at the end after the third time ... I was just trying to get an escape, and he stayed close," Ness said. "I kept his chin and sunk my arm deep and flipped him to his back and took my time with the fall."
Also moving into Friday morning's quarterfinals for the Gophers were David Thorn (133 pounds), Logan Storley (174), Kevin Steinhaus (184), Scott Schiller (197) and Nelson.
Not all of the wins were easy, though.
Nelson won his first match 1-0 over Northern Iowa's Blaize Cabell, scoring the lone point on a second-period escape. In a 13-8 second-round win, Steinhaus trailed Ohio State's Kenny Courts 6-2 late in the first period before rallying. Chris Dardanes needed a takedown in sudden death to beat Danny Sabatello of Purdue 5-3 in the first round.
Team standings
1. Penn State 26.5; 2., tie, GOPHERS, Oklahoma State 21.5; 4., tie, Iowa, Oklahoma 20.5; 6. Ohio State 19.5; 7. Edinboro 18; 8. Wisconsin 15.5; 9. Iowa State 15; 10., tie, Cornell, Nebraska, Virginia Tech 14.
GOPHERS RESULTS (seeding in parentheses)
First round
133--David Thorn (8), Minnesota, dec. Nick Smith, Northern Illinois, 6-3. 141--Chris Dardanes (6), Minnesota, dec. Danny Sabatello, Purdue, 5-3 sv-1. 149--Matthew Frisch, Citadel, dec. Nick Dardanes (2), Minnesota, 8-5. 157--Dylan Ness (9), Minnesota, pinned Spartak Chino, Ohio, 3:56. 165--Danny Zilverberg (15), Minnesota, major dec. Austin Trott, George Washington, 10-1. 174--Logan Storley (6), Minnesota, dec. Caleb Marsh, Kent St., 5-2. 184--Kevin Steinhaus (7), Minnesota, dec. Nolan Boyd, Oklahoma St., 5-0. 197--Scott Schiller (4), Minnesota, dec. Zach Nye, Virginia, 10-3. Hwt--Tony Nelson (1), Minnesota, dec. Blaize Cabell, Northern Iowa, 1-0.
Second round
133--Thorn dec. Johnni DiJulius (9), Ohio St., 2-0. 141--Joey Lazor (11), Northern Iowa, dec. C. Dardanes 10-8. 157--Ness pinned Roger Pena (8), Oregon St., 5:45. 165--Tyler Caldwell (2), Oklahoma St., dec. Zilverberg 9-2. 174--Storley dec. Stephen Doty (11), Virginia, 5-4. 184--Steinhaus dec. Kenny Courts (10), Ohio St., 13-8. 197--Schiller dec. Timothy McCall, Wisconsin, 4-1. Hwt--Nelson pinned Amarveere Dhesi (16), Oregon St., 4:23.
Consolation first round
149--N. Dardanes dec. Cody Ruggirello, Hofstra, 10-6.


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GO GO, run away as far as you can, save yourself from soldiers, jump across the buildings. Choppers are keenly searching for you. Also its raining, there are hurdles too, the only thing you can do is....run as fast as you can...be alert they are on hunt...nobody can save you...lets see how long you can save yourself...ALL THE BEST.
download games all games manotech sensor chopper running games
Rate & Review
Ophram Collison
8 mths ago - Samsung SGH-I320N
woza du ninoma full magem
Junzi Frunzi
8 mths ago - HTC S730
funny game... but it's fast borrrrrring :-(


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World Music Awards special: Nancy Ajram beats Elissa and co to the "Best Arab Female Artist" title this year
Lebanese superstar Nancy Ajram claimed the number 1 spot as best female artist in the Arab world once again.
The sensational singer rightfully earned the "World Music Award" for "Best Arab Female Artist" for the third time since the beginning of her prosperous career, reported Laha Magazine.
Nancy was up against Lebanese singer Elissa and Carole Samaha, Syrian singer Asala, Moroccan singer Samira Said and Egyptian singer Sherine Abdel Wahab.
Elissa had won the same award three times in previous years as well.
Nancy will be performing at the 2014 World Music Awards on May 27 in the luxurious French city of Monte Carlo, where she will be receiving her winning trophy on the night.
According to Laha Magazine, Nancy thanked her fans for winning her the vote and promised them plenty more projects that will meet their expectations.
The winner added that her main goal is to get love and appreciation from her fans, adding that tickets to her concerts usually sell-out two to three months in advance; so winning this award is just an added bonus to her ongoing success.
Top Headlines
Dears, nobody in the Arab world can beat Samira Said!everybody knows that
Samira had released only one single and was nominated for 4 awards.she won the award of WMA best song 2014.
there is no comparison...


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Pack of 8 Judaica Hanukkah Glitter Menorahs Glass Ornaments 4.5"
From the Noble Gems Collection
Item #C1739
Celebrate Hanukkah with these hand made and painted traditional nine-branched menorah, or Hanukkah, shaped ornaments embellished with subtle glitter accents
The lighting of the Hanukkah menorah comes from the story of Talmud in which the Maccabees were attempting to dedicate the Holy Temple. They were chagrined to find enough oil only for one evening, but went ahead with the dedication anyway, and miraculously the small amount of oil lasted for a full 8 days.
Fully dimensional
Ornaments come ready-to-hang on a gold cord with charm
Measurements: 4.5"H
Material(s): glass/metal
Pack includes 8 of the ornament shown
In Stock: 1
Price: $102.99


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SJI ace Montalbo to join La Salle in UAAP
WHILE THE collegiate basketball scene await with baited breath the decision of the country's consensus top high school player Cebuano Jerie Marlon Pingoy, another Visayan standout has apparently made his.
According to a report that was posted on the Visayan Daily Star, after a long courting period that also involved the Ateneo Blue Eagles, much-coveted guard from St. John's Institute (SJI) of Bacolod City Kib Montalbo has committed to joining the latter's arch-rivals La Salle Green Archers in the UAAP.
Montalbo is no stranger to Cebuano teams as he has tangled with them on a regular basis, especially against the Sacred Heart School-Ateneo de Cebu Magis Eagles, which has beaten SJI several times in the Milo BEST Tournament and in National Basketball Training Center.
Montalbo made a name for himself in Bacolod City, where he led the Junior Falcons to the title in the 2012 season of the NOPSSCEA juniors division. In addition, he also represented the country as part of the Jr. NBA national team in 2010.
The youngster is expected to join a crowded backcourt that already has starting guard, LA Revilla and back-ups, Almond Vosotros, Thomas Torres and Cebuano prodigy and former Cebu Schools Athletic Foundation Inc. (Cesafi) juniors MVP Mark Jayven Tallo. /Correspondent Jonas Panerio
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text: Judi Phoenix, Arizona 6/18/2013 1:50:37 PM This is the third year my yard has been infested with the Cicada. UGH! My Cavalier King Charles is crazy for them and hunts like a wild animal to locate the discarded skeleton or better yet, the whole insect. I do my best to limit her intake, since overindulgence has been known to produce digestive upset. The last thing I want to do is sit up all night with a dog that has a belly ache. Leashing her when she ventures out at night to take care of business, is the only remedy I've come up with. Blondie is not happy with the restrictive nature of our new routine. Any suggestions?


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The year is 1964, the height of the Cold War. Naked Snake, an agent in the newly formed special forces unit FOX, heads into Soviet territory to help a Russian scientist flee to the West. However, Snake's mentor and mission advisor The Boss, a female soldier known as the mother of the world's special forces, defects to the Soviet Union, taking a miniature nuclear warhead with her. It's prompt use on a Russian research facility brings the world to the brink of war. Now, Snake must return to the USSR on a secret mission to kill his former mentor and avert full-scale nuclear war.
•Includes MGS3 plus the original MG1 and MG2
•Relive history as the Geo-Political landscape changes
•Outsmart enemies with camouflage, close-quarters combat, stalking, interrogating, climbing, hunting and treating injuries
•Pit yourself against an environment where traps catch enemies and prey, and threats lurk in the shadows
•Epic musical score composed by Harry Gregson-Williams (Armageddon, The Rock)
©2012 Konami Digital Entertainment
Cooperation: Fontworks Japan, Inc.
Purchase or use of this item is subject to the PlayStation®Network Terms of Service and User Agreement. This item has been sublicensed to you by Sony Computer Entertainment America.


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Cheap XSC to Cebu flights
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Home » Comics » Yozakura Quartet » Akina Hiizumi
1 Sets of Akina Hiizumi Cosplay Costume, Wig, Props and Accessories
An eighteen-year-old young man in the employment of the city. He is the director of the Hiizumi Life Counseling Office and the only human who works there. He is able to perform "tuning"; an ability that can send back youkai to their world and cut off their connection to the human world. This ability can only be used by his family; the one who succeeds this ability is called oyakume. His hair grows longer whenever he uses his ability. Because of this ability, some of the youkai view the oyakume as murderers. In the manga, Akina reveals that he can use the ability in chapter eight, although he tells everyone that he tuned Gin before the start of the series. In the anime, he is able to use "tuning" from the very start. According to him, the final destiny of the oyakume is to be tuned by his successor in order to maintain the balance between the human and youkai worlds, and just as he had to tune his grandfather who was the previous oyakume, he will be tuned by the next oyakume when the time comes for him to take over his position.
Source from Wikipeida
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Advanced Search
The latest education technology news and trends for college and university ed tech professionals. Looking for more in-depth coverage of important topics? Visit our feature article pages!
Knowledge Delivery Systems will relaunch 60 courses for MVU's LearnPort, intended to help Michigan K-12 educators meet their continuing education requirements.
Four Northwestern University student groups are crowdfunding to raise money for their nonprofit goals.
Biopac Systems has updated its Biopac Student Lab (BSL) software with new hardware integrations, lessons and features.
Arizona's high-speed research and education network, Sun Corridor Network , now offers two 100 gigabit per second connections to the nationwide R&E network, Internet2.
Texas A&M University's (TAMU) Aggie STEM will host four science, technology, engineering and math camps for students in middle and high school this summer.
Ellucian is adding a competency-based education learning management system to its portfolio of higher education software and services, with the acquisition of LMS technology from Helix Education.
Cornell University has created a private social network, CUontheHill, to help high school seniors who have been accepted for admission make the decision about whether to attend the Ithaca, NY school.
The University of Akron will host a STEM career day featuring a challenge asking students in grades 6-12 to build a Rube Goldberg machine in competition for $15,000 in prizes.
A group of engineering students at Rice University and their mentors at Rice and Baylor College of Medicine are working on a vest that lets profoundly deaf people understand speech through vibrations.
Saisei, a company that develops network analysis and control software, has introduced Net-Neutrality-in-a-Virtual-Box, a simplified version of its FlowCommand network performance enforcement software.
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BELL TOWNSHIP ŌĆö A 12-year-old Punxsutawney male accidentally shot himself in the right shoulder while unknowingly playing with his fatherŌĆÖs 22 long gun, according to Punxsutawney-based Pennsylvania State Police.
Police said the gun, which was located in the fatherŌĆÖs bedroom, had a round in the chamber, and the boy accidentally bumped the trigger, causing the gun to go off and shoot a round into his shoulder.
The incident occurred on July 9 along Elbel Road in Bell Township.
Police said the boy was treated at Punxsutawney Area Hospital and released.
The 2013 Jefferson County Fair Queen was crowned Sunday, the opening day of the fair, which runs through Saturday in Brookville.
Pictured (from left) are Queen Katie Steele, runner-up Gabrielle Bart, second runner-up Elizabeth McAndrew and Miss Congeniality Melinda Hutchins.
PUNXSUTAWNEY ŌĆö The day started off a bit cloudy and grey, but by evening the sun rose high in the sky and began shining down at just the right moment ŌĆö the Survivor Ceremony.
The Relay for Life of Punxsutawney event was held Saturday, with 13 teams participating in this yearŌĆÖs event, which raised over $39,000, according to Jessica Carbaugh, Relay for Life representative.
Read the full story in Monday's edition of The Spirit.
ŌĆó Sunday, July 14
ŌĆö 10 a.m. Deadline for arrival of 4-H and voc. market animals
ŌĆö 12 p.m. Deadline for sheep and swine entries
ŌĆö 12 to 3:30 p.m. Rabbit entries
ŌĆö 1 to 5 p.m. Poultry judging and cooping
ŌĆö 1 to 6 p.m. General exhibit entries received (including 4-H general entries and Project Books)
ŌĆö 1:30 p.m. Opening ceremonies with emcee Karen Uplinger, speaker Pastor Leon Blose from Pleasant Valley Methodist and music arranged by Lee Grace Foulkrod of Sykesville
ŌĆö 2:30 p.m. Queen and Junior Queen competitions (no princess or junior princess competitions this year)
Following some renovations, Miller Brothers Furniture in downtown Punxsutawney reopened with a ribbon cutting ceremony hosted by the Punxsutawney Area Chamber of Commerce on Friday morning. Some of the changes include new products and a ŌĆ£pottery barnŌĆØ look.
Read the full story in Saturday's edition of The Spirit.
Music in the Park for 2013 kicked off Thursday night in Barclay Square with the classic rock band Crisis.
Thankfully, there was not a drop of rain in sight, and attendees relaxed in their lawnchairs while enjoying the free concert.
Denny and the Gang (Sharp Tones), with their 50s and 60s sound, will take the stage next Thursday at 6:30 p.m. for the second Music in the Park performance of the season.
It's time to fight back against cancer, and this Saturday, the American Cancer Society will be holding its annual Relay for Life in Barclay Square.
Participating in this event, among other groups, will be the Betty's Angels Relay Team, which will be holding its 1st Annual Footprints for Hope, 5K Run/Walk, at 9 a.m. Saturday morning in Barclay Square.
Race day registration will run from 7:45 to 8:45 a.m., with all proceeds from this event being donated to cancer research.
Pictured is Doug Craft, a member of Betty's Angels Relay Team who will be participating in the event.
PUNXSUTAWNEY ŌĆö PennDOT would like to remind travelers that Route 36 in Punxsutawney Borough, which was scheduled to close on July 8, will now close on July 29, due to delays in utility moves as a result of the recent flooding.
Beginning Monday, July 29, Route 36 (West Mahoning Street) will be closed between the intersections of Walnut Street and Foundry Street for the replacement of the bridge carrying Route 36 over Sawmill Run.
A detour will be in place using Route 436 and Route 119. This detour will be in place until November of this year.
The American Cancer Society Relay for Life is gearing up for the ninth
annual event to be held in Punxsutawney, with this yearŌĆÖs theme being
ŌĆ£Wizard of Oz: Follow the Yellow Brick Road to a Cure! There is no place
Local artist Britney Garman has found her passion in metal art.
A graduate of Triangle Tech, she has applied her educational background, along with her natural skills of metal welding, to create three brilliant pieces of artwork.
Pictured is Garman with her dog, Lady, standing between some of her pieces, which include a huge metal moose, a small metal dog and a sign for Stahlman's Country Store.
The pieces are currently on display outside of Stahlman's Restaurant.


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Advanced, timely topics in Accounting, Auditing and professionalism, and professional communications are accompanied by a fourth course selected each year based on its timeliness and relevance. The courses can be eligible for later transfer to Loyola's Professional MBA program, subject to their compatibility with the selected area of concentration.
Students will address a selection of timely, complex, and controversial issues in accounting, including:
Students will discuss the relationship between ethics and professionalism and conduct substantial ethical analysis by:
This course will provide the practical skills necessary to communicate in a professional manner and to do so effectively, including:
The fourth component of the curriculum is designed to be a flexible course, shaped each year by an especially relevant topic based on the latest developments in accounting. This year the course will consider special issues for information systems designed for a global organization, including cross-cultural and multi-cultural complexities.
Learn more about the estimated costs, related standard occupations, and normal completion time for the accounting certificate program.
Information Sessions
Info Session and Class Test Drive — Columbia. Tues., June 2
Graduate Business Programs Info Session — Timonium. Sat., June 6
Master of Accounting Virtual Session — Online. Wed., June 10
Emerging Leaders MBA Virtual Session — Online. Thurs., June 11
All Programs Virtual Session — Online. Tues., June 23
Meet the Program Managers — Columbia. Wed., July 15
Info Session and Class Test Drive — Timonium. Thurs. July 23
>> more information sessions


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Farming Simulator
There are 11 Bronze Trophies and 5 Silver Trophies.
*There are 1 secret trophies. show
Trophy Description Type Enough for 12.5 Horses Found fifty horseshoes Bronze Financial Folly Went bankrupt Bronze Fruits of Your Labor Threshed ten hectares Bronze Harvest King Threshed one hundred hectares Silver Longplayer Played for ten hours Bronze Lucky Hand Found twenty-five horseshoes Bronze Mass Production Seeded one hundred hectares Silver Mission Master Completed fifty missions Bronze Mobile Farmer Travelled one hundred miles Bronze Nouveau-Riche (secret) Earned one million Bronze Out of Debt Got out of debt Bronze Pots of Gold Earned ten million Silver Sower Seeded ten hectares Bronze The Collector Found one hundred horseshoes Silver Very Frequent Driver Travelled one thousand miles Silver Well-Heeled Earned five million Bronze
Contributed By: Guard Master.
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You can submit new cheat codes for this game using our Cheat Submission Form.
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text:
EPDM,{ethylene,Propyline,Diene,Tare Polymer} Single ply membrane for waterproofing is most trusted, prooven waterproofing system for over five decades.
EPDM is extensively used for waterproofing of the following structures;
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text:
Bibliographic details for "Dwarves of the Iron Hills"
- Page name: Dwarves of the Iron Hills
- Author: Tolkien Gateway contributors
- Publisher: Tolkien Gateway
- Date of last revision: 11 October 2012 22:41 UTC
- Date retrieved: 22 May 2015 13:16 UTC
- Permanent link: http://tolkiengateway.net/w/index.php?title=Dwarves_of_the_Iron_Hills&oldid=212676
- Page Version ID: 212676
Citation styles for "Dwarves of the Iron Hills"
APA style
Dwarves of the Iron Hills. (2012, October 11). In Tolkien Gateway. Retrieved 13:16, May 22, 2015, from http://tolkiengateway.net/w/index.php?title=Dwarves_of_the_Iron_Hills&oldid=212676
MLA style
Tolkien Gateway contributors. "Dwarves of the Iron Hills." Tolkien Gateway. Tolkien Gateway, 11 Oct. 2012. Web. 22 May. 2015.
MHRA style
Tolkien Gateway contributors, 'Dwarves of the Iron Hills', Tolkien Gateway, 11 October 2012, 22:41 UTC, <http://tolkiengateway.net/w/index.php?title=Dwarves_of_the_Iron_Hills&oldid=212676> [accessed 22 May 2015]
Chicago style
Tolkien Gateway contributors, "Dwarves of the Iron Hills," Tolkien Gateway, http://tolkiengateway.net/w/index.php?title=Dwarves_of_the_Iron_Hills&oldid=212676 (accessed May 22, 2015).
CBE/CSE style
Tolkien Gateway contributors. Dwarves of the Iron Hills [Internet]. Tolkien Gateway; 2012 Oct 11, 22:41 UTC [cited 2015 May 22]. Available from: http://tolkiengateway.net/w/index.php?title=Dwarves_of_the_Iron_Hills&oldid=212676.
Bluebook style
Dwarves of the Iron Hills, http://tolkiengateway.net/w/index.php?title=Dwarves_of_the_Iron_Hills&oldid=212676 (last visited May 22, 2015).
Bluebook: Harvard JOLT style
Tolkien Gateway, Dwarves of the Iron Hills, http://tolkiengateway.net/wiki/Dwarves_of_the_Iron_Hills (optional description here) (as of May 22, 2015, 13:16 GMT).
AMA style
Tolkien Gateway contributors. Dwarves of the Iron Hills. Tolkien Gateway. October 11, 2012, 22:41 UTC. Available at: http://tolkiengateway.net/w/index.php?title=Dwarves_of_the_Iron_Hills&oldid=212676. Accessed May 22, 2015.
BibTeX entry
@misc{ wiki:xxx, author = "Tolkien Gateway", title = "Dwarves of the Iron Hills --- Tolkien Gateway", year = "2012", url = "http://tolkiengateway.net/w/index.php?title=Dwarves_of_the_Iron_Hills&oldid=212676", note = "[Online; accessed 22-May-2015]" }
When using the LaTeX package url (
\usepackage{url} somewhere in the preamble), which tends to give much more nicely formatted web addresses, the following may be preferred:
@misc{ wiki:xxx, author = "Tolkien Gateway", title = "Dwarves of the Iron Hills --- Tolkien Gateway", year = "2012", url = "\url{http://tolkiengateway.net/w/index.php?title=Dwarves_of_the_Iron_Hills&oldid=212676}", note = "[Online; accessed 22-May-2015]" }
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text: You are viewing Muzak - 32 of 49 Turkish Dance Party By That Happened! Whenever I want to go to a sick dance party I call up all my turkish friends and we go nuts. Published May 06, 2011 7.7k views More Info » Full Credits That Happened! Uploader Stats & Data 287 Funny Votes 59 Die Votes 7,676 Views Published May 06, 2011 Categories: Music Real Life Dumb People Keywords: turkish dance dancing dancer dance moves weird field farm farming weird odd scary fathers grandfather Up Next: Day Man Sing Along at Comic-Con AUTOPLAY Up Next In: 10 Dance Moves That Rock! Charlie Shows His Dance Moves Dance Move FAIL Corky Thatcher Shows Off His Fancy Dance Moves! Follow Facebook Twitter Tumblr Instagram Browse Related Comments Muzak 40+ more View All ▶ 2970+ more View All ▶ That Happened! Vaguely Related Videos Vaguely RelatedPics & Words Advertisement Advertisement From Around the Web ZergNet


text:
Its been quite abit since ive posted on blog on this website...hmm
anywho, as of recently i pretty much started to focus my attention to fighting games now, ever since i learned and got hooked to SCV's online. its definetly a good thing, as modern shooters are getting very repetitive in my opinion. Well anyways im off to write a review, hope everyone had a decent new year!


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definition of Wikipedia
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Vīrya (Sanskrit; Pāli: viriya; Tibetan Wylie: brtson 'grus) is a Buddhist term commonly translated as "energy", "diligence", "enthusiasm", or "effort". It can be defined as an attitude of gladly engaging in wholesome activities, and it functions to cause one to accomplish wholesome or virtuous actions.
Vīrya literally means "state of a strong man"[1] or "manliness."[2] In Vedic literature, the term is often associated with heroism and virility. In Buddhism, the term more generally refers to a practitioner's "energy" or "exertion," and is repeatedly identified as a necessary prerequisite for achieving liberation.
In Buddhist contexts, viriya has been translated as "energy,"[1][3][4][5][6] "persistence,"[6][7] "persevering,"[8] "vigour," "effort," "exertion,"[1] or "diligence."[9][10]
Within the Buddhist Abhidharma teachings, virya is identified as:
In this context, virya is defined the attitude of gladly engaging in what is wholesome; its function is to cause one to accomplish wholesome actions.[9][10]
The Abhidharma-samuccaya states:
In the context of the Mahayana Abhidharma, virya is commonly translated as diligence.[9]
In Buddhism's Pali literature, viriya is identified as critical component in each of the following sets of qualities conducive to Enlightenment (bodhi-pakkhiyā-dhammā):
It is also associated with "Right Effort" (sammā-vāyāma) of the Noble Eightfold Path (Pāli: aṭṭhaṅgiko maggo; Skt.: aṣṭāṅga mārga) and with the "Four Right Exertions" (samma-ppadhāna).
In the Kīṭāgiri Sutta (MN 70), the Buddha instructs his followers:
It stands for strenuous and sustained effort to overcome unskillful ways (akusala dhamma), such as indulging in sensuality, ill will and harmfulness (see, e.g., ahiṃsa and nekkhamma).[citation needed]
It stands for the right endeavour to attain dhyāna.[citation needed]
Vīrya can also signify courage and physical strength and was cultivated by Buddhist guardians including the Shaolin monks. It signifies strength of character and persistent effort for the well-being of others as well as the ability to defend the Triratna from attacks.[11]
In the absence of sustained effort in practicing meditation, craving creeps in and the meditator comes under its influence. Right effort (vīryabala) is thus required to overcome unskillful mental factors and deviation from dhyāna.[citation needed]
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The English word games are:
○ Anagrams
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Lettris is a curious tetris-clone game where all the bricks have the same square shape but different content. Each square carries a letter. To make squares disappear and save space for other squares you have to assemble English words (left, right, up, down) from the falling squares.
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text:
I ain't gotta talk loud to be sayin' somethin'
from Yasiin Bey – Bey Lyrics on Genius
Theres no need to scream to make a point. Mos Def can get and keep you interested without all the hype, he just has to spit.
This is also a reference to James Brown's "Talkin' Loud, Sayin' Nothin'", used by various rappers, usually with the musical sample behind, to recall the King of Funk :
To help improve the quality of the lyrics, visit Yasiin Bey – Bey Lyrics and leave a suggestion at the bottom of the page


text:
S. Rajendran
Congress hopeful Governor won' t invite BJP-JD(S) to form government
Governor cannot go back on his October 9 report: Kharge
'BJP-JD(S) resorting to unethical practices'
BANGALORE: The Congress is confident that Governor Rameshwar Thakur will not permit the formation of a Bharatiya Janata Party-Janata Dal (Secular) Government in the State given the nature of "horse trading" going on.
Several Congress leaders told The Hindu here on Tuesday that the Congress was not unnerved by the political developments of the past three days wherein the Janata Dal (S) had extended support to the BJP and the latter in turn with the support of 129 legislators had staked claim to form a new Government.
"We are confident that they can never form the Government. It will be better for all parties to gear up for elections," said a senior party leader. Karnataka Pradesh Congress Committee president M. Mallikarjun Kharge has written to the Governor on Tuesday stating why permission should not be given for the creation of another Government.
"As such the Governor cannot go back on the detailed report he has made over to President Pratibha Patil on October 9 suggesting dissolution of the Legislative Assembly. The Assembly has been kept under suspended animation only on technical grounds since Parliament is not in session. As and when the two Houses of Parliament meet, the Karnataka Assembly will be dissolved," they said.
Mr. Kharge told The Hindu that while a section of the Congress leaders was being accused of attempting to lure legislators, the fact was that the BJP-Janata Dal (S) had indulged in "unethical practices" to retain a grip on their respective party legislators .
"The strength of the M.P. Prakash camp, which was 16 on Monday, dropped to three by the time the legislators were taken to the Raj Bhavan the same evening . How did this happen? And now the Janata Dal (S) is keeping its legislators at another resort on Mysore Road. The Congress cannot be blamed for this since we have not staked a claim to form a Government," he said.
In the view of the Congress, numerical strength of the legislators alone would not suffice in the prevailing situation wherein political parties keen to form a Government were indulging in exerting pressure on legislators and indulging in "horse trading".
On its part, the Congress has told the Governor that it had been demanding dissolution of the Legislative Assembly and holding elections right from day one when the Janata Dal (S) decided against handing over charge to the BJP and the latter in turn decided to withdraw support to the H.D. Kumaraswamy Government.
In another development, Congress General secretary in-charge of Karnataka and Union Minister Prithiviraj Chauhan is expected to hold discussions early on Wednesday with the State leaders — Mallikarjun Kharge, Dharam Singh, H.K. Patil, R.V. Deshpande and Siddaramaiah to finalise the next course of action.
In the view of the State Congress leaders, this discussion was expected to be a turning point leading to the dissolution of the 12th Legislative Assembly of Karnataka.
The Congress on Tuesday extended an open invitation to M.P. Prakash to join the party.


text:
The Top 7 Asian Holiday Spots
As the biggest continent on earth, Asia offers a tremendous number of places to go to, things to do & to travellers, cultures to perspective. Asia is an enchanting mixture of contemporary cities and historic locales. Asia has something to suit everyone's flavor in the family, there are historic monuments along with great malls, lovely virgin forests to pristine beaches, exotic festivals to food that is exotic, Asia has everything.
The Top ten Asian Vacation Places
The name Indonesia has its origins in two Greek words: "Indos" meaning Indian and "Nesos" which means isles. It's a suitable description of the archipelago as there are estimated to be a total of 17,508 islands, of which only about 6,000 are inhabited, stretching for 5,150 kilometers between the Australian and Asian continental. The key islands are Sumatra Kalimantan), Sulawesi Irian Jaya), and last but not the very least Java. The country 's capital, Jakarta, has an important and fascinating history
Climate– The climate in Indonesia is certainly sultry. The primary seasons are winter, summer and monsoon; it's devoid of fall and springtime.
Culture– Indonesia is full of culture and artwork that are intertwined with faith and age old customs. The basic principles which direct life contain the notions of reciprocal aid or "gotong royong". Spiritual influences in the community are altered from island to island. Indonesia is abundant with tradition with 250 – 300 ethnic groups reside here.
From temple dances and graceful court to boisterous play and capturing folk dances, Indonesia's performing arts offer an astounding array of designs as well as kinds, shadow puppeteer is well-known.
Cuisine– Fish features in the diet or a paste. Coconut is found. The staple food ranges from rice corn, sago, cassava to sweet potatoes.
Hot spots–Indonesia is a combination of beaches, woods and cities- Amlapura, Bali Barat National Park, Irian Jaya, , Java, , Jakarta, Baluran National Park, Karimunjawa Islands, Kalimantan (Borneo), Gili Islands, Gunung Rinjani (Mount Rinjani), Kuta, , Pulau Bunaken, Rantepao, Tanatoraja, , Sumatra, , Bukit Barisan Selatan National Park (Great Bukit Barisan Forest Park), Harau Valley, Jangga Village, Kerinci-Seblat National Park, Lingga Village, Medan, Mentawai Islands, Ngalau Indah Caves, Ngarai Sianok (Sianok Canyon), Padang, Pandaan Beach, Pandi Sikat, Parapat, Samosir Island, Siberut Island, Sipiso-piso Waterfall, Taman Hutan Raya Bung Hatta, and much more.
The Malay Peninsula has prospered from its central place in the marine trade routes between India, China as well as the Middle East. It's revealed on early map using a label that translates as "Golden Chersonese"; the Straits of Malacca were referred to as "Sinus Sabaricus". The two different areas of Malaysia share a largely similar landscape in that both West and East Malaysia feature coastal plains rising to often densely forested hills and mountains. Putrajaya is the newly created administrative capital while the capital city is Kuala Lumpur. Klang, and Georgetown, Ipoh, Johor Bahru, Kuching, Kota Kinabalu, Alor Star, Malacca Town are the important cities.
Climate– It is humid and hot year round in Malaysia.
Culture– Malaysia is a multiethnic, multi-cultural and multilingual society and other native tribes. With Chinese, Malays and Indians living side by sideThe music, art, food, dancing, architecture and general daily living are affected by all three to some level, creating flavors, sights and some of Asia's most fascinating sounds. Malaysian traditional music is greatly influenced by Chinese and Islamic forms, it's based mainly around the gendang (drum), but includes other percussion instruments. The state has a solid tradition of dance and dance dramas, some of Thai, Indian and Portuguese origin. Other artistic forms include wayang kulit (shadow puppet theatre), silat (a stylised martial art).
Cuisine– There's a huge assortment; hot Malay Food, a seemingly never-ending variety of Chinese food, exotic cuisine from South India and North, along with Portuguese Food and Nyonya.


text: I love a camera that works without batteries. I have had several occasions where I have hiked out into the middle of nowhere for several hours, or it is Christmas dinner and the batteries die or are dead. If it takes AA's, that's not a big deal but if it takes a specialized battery that needs a specialized store to buy, that is more than annoying. I can usually guess at the metering but still need the camera to fire. This of course limits you to manual cameras of the older variety but I like those kind anyways.


text:
Crawle is a sandbox dungeon-crawler with a focus on realistic survival featuring mechanics such as sanity, hunger, thirst, energy and diseases.
No mods were found matching the criteria specified. We suggest you try the mods list with no filter applied, to browse all available mods.
Join now to add a mod we are missing or you are currently developing, so people can share news, files and media related to it.


text:
We were a large group of students and adults, who stayed here, and much appreciated the support of the Management and staff, who all went out of their way to ensure that we had everything we needed. The food was excellent, although we did insist on Ghanaian breakfasts. The hotel put on a disco for our group, with a canape,... More
Related hotels...


text:
Nero Multimedia Suite 10
Nero Multimedia Suite 10 : Picture in Picture (PiP) Nero Vision Xtra let me add as many video and audio tracks as I wanted and show them simultaneously. Note the ability to rotate and resize video either using number entry or WYSIWYG controls.
16 / 25
Bottom Line
This year's Nero brings you easy and advanced burning and authoring tools in a simpler interface. With version 10, Nero has the most powerful video editor among media suites, and a very friendly combined photo, music, and video organizer/player.
the lg g4 is here!Want a chance to win one?
Provide your email address and what carrier you are using (only Verizon, Sprint, T-Mobile and AT&T please) and we'll pick FOUR random winners to receive one of the hottest phones of the year, the LG G4.
By entering this Sweepstakes you agree to the Official Rules and understand that you'll automatically be subscribed to receive product reviews and the latest news from PCMag, via Email. You may unsubscribe at any time. Subscribing to a newsletter indicates your consent to our Terms of Use and Privacy Policy.


text:
Health Watch - School's Out: ECG Screening
Health Watch is a Public Service of the Office of News and Publications and is intended to provide general information only and should not replace the advice of a medical professional. You should contact your physician if you have questions about any of these topics.
This week on Health Watch, we're talking about things parents need to think about while kids are out of school for the summer. Previously, we discussed the importance of physical exams for kids participating in sports. Should an electrocardiogram be part of this screening?
When a seemingly healthy child or teenager has a sudden heart attack at an athletic event, it attracts a lot of attention. Some doctors have recommended that all young athletes be screened to detect any heart abnormalities that might cause a heart attack. Dr. Benjamin Levine, a cardiologist at UT Southwestern Medical Center, says while this approach might discover some young people who might be at risk, it's less clear what doctors should do about these patients. Children who have abnormalities but don't have symptoms might not be allowed to participate in sports, but it's not clear if that will actually make them any safer.
June 2011
Health Watch is heard Monday through Friday nationwide on ABC Satellite Radio. Call your local radio station and ask if they carry the program.


text:
Kit swapping is getting fixed!
View Single Post
Join Date: Jun 2012
Posts: 2,232
# 12
I'm curious what exactly the exploit was. I play as an engineer, but never used kit swapping as a tactic before. I can think of two possibilities.
1. Use fabrication engineer kit and spawn turrets and mines. Then, swap to bunker fabrication kit and spawn generators. Then, swap to enemy neutralization kit and spawn mines and bombs. I can see that this allows an engineer to construct hardy fortifications, but was this really overpowered?
2. Keep multiple copies of the same kit and litter the field with turrets, mortars, and mines. I can see this being very overpowered. But if this was the case, wouldn't it be better to tie the cooldowns and spawning to the ability itself rather than the particular kit equipped? That way, there is no advantage to keeping multiple copies of the same kit, but swapping to different kits still has advantages.


text:
D'latte Pastry Gelato Bar has wonderful gelato with unique flavors. I went back twice for dessert! I highly recommend it.
Omg the hazelnut gelato best I ever had! Great pastries and the espresso was perfect. ....not to mention how adorable the place is. Sat outside one morning 4 of us croissants muffins and coffee felt as if we were in Italy. Grazie!
After having coffee at Aldo's, their coffee was just ordinary. Everything on the shelves inside was ridiculously overpriced. I guess Frank, the owner of both Biere (beer) and D'latte is hoping to make a killing and retire.
one thing i don't understand is, how can people be so keen on aldo's when they have this coffee shop one minute walk away. coffee is so much better, staff is so much nicer and selection of pastries is way better! there is no better way to start your day in greenport than pick up your coffee in D'latte and...
Loved the gelato. Nice atmosphere. Very positive energy, more of a
coffeehouse vibe than a ice cream parlor.
We just stopped in for a cafe au lait and pastry. Found out they did take away and brought back to our friends which was very enjoyable
Very hospitable staff!
There are several options for ice cream in Greenport, and I've tried just about all of them. This one seems the best to me, as it's a spot where kids and adults can find something they like. Nice to sit on the outside tables, eat ice cream, and watch Greenport tick.
D'Latte was fine for a one-time visit but I was not wowed. The coffee was much better than Aldo's but not great (they steamed my latte milk right in the paper to-go cup!). The scone and yogurt/granola cup made the visit worthwhile.
Every time my husband and I head out east to Greenport we must stop in before we leave for a dlicious dessert and cappuccino. We either get a gelato or key lime tart or muffin or biscotti. Nothing disappoints except this last time the cappuccino was filled to the top of the cup.
First stop after the New London ferry and had the best scones and coffee BUT the best part was having a nice conversation with owner Frank and friend Gus. They gave us excellent recommendations for some vineyards on North Fork. Frank knows his wines!!! Don't miss this gem. Nice outdoor sidewalk seating.
Register now for free — and start getting automatic notification of new reviews, responding to traveler feedback, adding new photos to your listing and much more.


text:
2005 By Week
December 2, 2005
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November 4, 2005
October 28, 2005
October 21, 2005
October 14, 2005
October 7, 2005
September 30, 2005
September 23, 2005
September 16, 2005
September 9, 2005
September 2, 2005
August 26, 2005
August 19, 2005
August 5, 2005
July 29, 2005
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July 15, 2005
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July 1, 2005
June 24, 2005
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June 10, 2005
June 3, 2005
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April 29, 2005
April 22, 2005
April 15, 2005
April 8, 2005
April 1, 2005
March 25, 2005
March 18, 2005
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March 4, 2005
February 25, 2005
February 18, 2005
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February 4, 2005
January 28, 2005
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2004 By Week
December 17, 2004
December 10, 2004
December 3, 2004
November 26, 2004
November 19, 2004
November 12, 2004
November 5, 2004
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October 15, 2004
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October 1, 2004
September 24, 2004
September 17, 2004
March 4, 2005
PAUL GIGOT: Welcome to THE JOURNAL EDITORIAL REPORT. President Bush returned from Europe and members of Congress returned from their recess -- and the fight was joined again this week on what to do about Social Security. Both Republicans and Democrats said most of their constituents were telling them the same thing recent polls have been reporting: most Americans still need to be convinced that changes in Social Security must be made soon. The White House announced that the president and members of his cabinet would blanket the country to generate support for changes. Democratic leaders in the Senate began a two-day tour of major cities, to generate opposition.
Everyone agrees on one set of facts: Fewer and fewer workers are paying into the system, and more and more people are taking money out of it. Especially with the baby boomers, more people will be reaching retirement age and living longer. Social Security will pay out more than it takes in from payroll taxes as early as 2018 -- 13 years from now.
Everyone also agrees that for workers 55 or older, nothing should change. But to prevent Social Security from going bankrupt over the next 40 or 50 years, President Bush says younger workers should have the option of investing a portion of their payroll taxes in private investment accounts. The president says he's open to other ideas. Some that have been suggested include: raising the retirement age, lowering benefits, raising taxes, stopping planned increases in benefits.
We'll get to the president's private investment plan later, but first we'll tackle the issue of how much change is needed. Here to try to make sense of all this are: Dan Henninger, a columnist and deputy editor of THE WALL STREET JOURNAL editorial board; Holman Jenkins, also a columnist and member of the board; and Ed Crane, president of the Cato Institute and a longtime advocate of changing the Social Security system.
Dan, can we at least all agree as a starting point that this is a problem that we're going to have to face as a society in our political system sooner or later?
DAN HENNINGER: I think we can all agree on it. I think most people do understand and do realize that the problem is basically about the birds and the bees. After World War II all these 20-year-olds had lots of babies, and they did so for about 15 years. And after that, 1960, people had fewer babies. We're now at the point where about 20 or more million people are over 70 years old. In 15 years, some 47 million people are going to be over 70 years, a virtual doubling of the number. There are going to be fewer workers to pay for all those retirees. And since what we have is a pay-as-you-go system, where the workers from one month to the next pay for the retirees, the current set-up just is not going to produce enough money unless it changes, to pay for those baby boomers.
PAUL GIGOT: So demography is destiny, and welcome to the program.
ED CRANE: Thank you, Paul. Good to be here.
PAUL GIGOT: What happens if we do nothing? What choices do we confront?
ED CRANE: Well, we're confronted right now with a 5.3 trillion dollar unfunded liability, if you -- some people say it's 3.7 trillion, but that's only because they count the 1.6 trillion in the trust fund as real assets, which it's not. I would commend people to look at page 337 of the 2000 ECONOMIC REPORT OF THE PRESIDENT, which was Clinton's last -- you know, a Democratic administration which made very clear there are no assets in the trust fund. So yes, at some point we have to figure out, once the cash flow turns negative in 2018, as you said, we're going to have to find the money somewhere and the way to do it primarily is by cutting spending. That's the way I view it. But you're either going to have to cut benefits, raise taxes, or borrow more money. And it's a large number.
PAUL GIGOT: Holman, that seems to be the choice that we'd have to confront, including either a major increase in taxes or perhaps a major cut in the political promises for future benefits.
HOLMAN JENKINS: Sooner or later, voters and their representatives are going to have to deal with this. A CBO statistic estimated in '98 was that it was going to take 11 trillion dollars of tax increases just to get you from 2030 to 2040. Ten years, 11 trillion dollars of additional taxes Americans would have to pay to meet the benefits of Social Security and Medicare.
If I was one of the people -- and I am -- who expected to be alive during those years, I would have no confidence in my fellow younger taxpayers to reach that deep in their pockets to keep me going.
PAUL GIGOT: Well, as the introduction said, for now -- at least until 2008 -- there is a rising level of excess Social Security taxes over benefits being paid out. In 2008, the size of that surplus starts to shrink until 2018. But between now and then, what happens to those current payroll taxes that people pay? Because there are a lot of people who still think, I believe, that there is a fund somewhere in some bank in West Virginia or the Treasury with their name on it building up assets. That isn't what happens.
ED CRANE: Well, the money is spent. The money is either paid to current retirees or goes to pay welfare to agribusinesses, or whatever the Congress wants to waste the money on. I think that's something the president needs to make more hay out of. The fact is that we have no right to the money we pay into Social Security. In 1960 the Supreme Court ruled in Fleming v. Nester that this is not a contractual arrangement. We have no property rights in the money we pay into it. It is totally a social program of Congress and what we give back is, in essence, up to 535 politicians. So it's a very insecure system. There are no private accounts, no individual accounts, right now.
PAUL GIGOT: What about, Dan, those who say, "2018, that's a long time. We can wait. Maybe the economy will grow more than we think. Maybe there'll be more immigrants. Maybe we'll have more kids. Something will happen. Let's not -- it's not urgent."
DAN HENNINGER: Well, if any of those things were true, such as if we would have more immigrants or we would be working longer, you might make an argument, because ultimately what you really need to keep the system going is more economic growth. And I think one of the problems with this debate is that people are acting as though the United States were an island, or as though it were still 1936, and we didn't have to worry about our position relative to the rest of the world. There are 20 countries, approximately, that have already privatized their pension system. One that is thinking and talking about doing it is India. Now if India, which is going to have tremendous growth rates over the next 40 years, starts getting those obligations off of the government's back, and we sit back and decide the solution is to raise taxes, retarding growth, we're going to get hurt. Our children are going to get hurt hard.
PAUL GIGOT: One of the points that Alan Greenspan, the Chairman of the Federal Reserve, made this week, is that if you're going to change the promises that politicians have made, better to start sooner rather than later, the way he put it. Because if you do that, you can phase in the thing gradually, reform gradually, and it makes less of any dramatic difference or burden any particular year.
ED CRANE: Well Paul, one of the things. I agree we have a financial crisis here. But it seems to me that even if you had solvency, even if the Social Security system, we didn't have the demographic problems that have created this deficit, the right thing to do is to create personal accounts, private accounts.
PAUL GIGOT: We're going to talk about that. I want to do that. Let's go to our taped piece now. Let's move on to discuss the president's proposals for the private investment accounts that Ed referred to, which he says would replace most of the Social Security system over a long period of years. Most people point to the system now being used in Chile, as the model for what the United States should have. So we sent correspondent Rick Carr to Chile to look at it.
RICK KARR: Politicians who are pushing for the partial privatization of Social Security say the future lies to the South.
PRESIDENT BUSH: Frankly, the Chilean model serves as a good example.
MAN: Look at the plans that have succeeded in Chile and ...
MAN: You can go to Chile. They would never go to our Social Security ...
RICK KARR: Fans of the privatized retirement system here in Chile say, "Why not try it in the U.S.?" Scrap Social Security, its bureaucracy, and its guaranteed payouts, and replace it with something more like our own personal accounts, where the money would be invested in the stock market. In the long run, they say, we'd make more money.
Chile privatized its system 24 years ago, when the military dictatorship of Augusto Pinochet imposed the reform. Jose Pinera was the architect of the plan. For years, he's been singing its praises in Washington. Pinera says the old Chilean system was pay-as-you-go, like Social Security in the U.S., and it was broken.
JOSE PINERA: People didn't have ownership of their money. The benefits of retirement depended on politics -- on whether the budget was in surplus or deficit, whether there was a crisis. How can you have a system of Social Security when really you are not secure about whether your benefit will be there?
The centerpiece of the Chilean plan is a group of six companies known as AFPs, in English, Administrators of Pension Funds. When young Chileans like environmental lawyer Cecilia Urbina enter the work force, they choose one of the firms to invest the 10 percent of their income that's withheld for their pensions.
By law, each of those companies offers five plans, much like mutual funds, which range from risky and potentially profitable to safe, but less sexy. Cecilia Urbina says it's a tough choice.
CECILIA URBINA: [In Spanish w/English VO] I think that all this information sounds too complicated for the average consumer.
Once she makes a decision, Cecilia Urbina's pesos will join the billions in pension investment that have poured into Chile's stock and bond markets. All of that investment capital has funded new toll roads that operate at a profit, and thousands of mortgages. Pinera says privatizing Social Security has helped Chile's economy become the fastest moving in South America.
JOSE PINERA: This has increased the capital market. This has helped Chile to double its rate of growth.
RICK KARR: Looking at Chile's privatized pension system from the height of a few thousand feet, it's pretty clear that it's been good for the country's financial sector and for the economy as a whole. What's not so clear is whether it's been good for the majority of individual Chileans.
Return on investment has been good, an average of more than 10 percent a year. But it's been inconsistent. Some years, the plans lose money. And critics say Chileans pay too much in overhead -- fees, marketing costs, and profits. But supporters say the AFPs have lower overheads than most mutual funds.
SOUND UP: "Empanadas! Empanadas! Empanadas!"
RICK KARR: At Santiago's central produce market, Chile's system generates a lot of skepticism.
MAN SELLING ONIONS: [in Spanish with English VO] They've done nothing. All this government does is build roads. But you can't eat roads.
MAN SELLING CARROTS: [in Spanish with English VO] If you're not educated about it you basically rely on luck.
RICK KARR: Many Chileans say the private pensions do not pay as well as the old ones. Seventy-two year old gardener Aniseto Medina agrees. He still works because when he started drawing on his pension a few years ago, it paid only about a quarter of his old salary.
ANISETO MEDINA: [in Spanish with English VO] Clearly I consider the 70 thousand pesos I receive to be a paltry sum. You can't do anything with seventy thousand.
CECILIA URBINA: [in Spanish with English VO] I don't know how the system will work for the new generation.
RICK KARR: Lawyer Cecilia Urbina, who's just joining the system, says that unlike her parents and grandparents, who had the option of sticking with the old system or joining an AFP, her generation has to buy into the private system. All she can do, she says, is hope for the best.
Just how relevant is the Chilean system to the U.S.? Critics say its most important lesson is that it's expensive. Chile continues to pay pensions from its old system, at the same time that it's building up the new one. That transition has cost between two and five percent of gross domestic product every year for 24 years. Fabio Bertranou, of the U.N.'s international labor organization, says the transition won't be paid off for another 20 years.
FABIO BERTRANOU: If you don't have the instruments to finance the transition costs, I wouldn't recommend to go towards this type of reform.
RICK KARR: So it sounds like what you're saying is, if you're running a budget deficit don't even think about doing this.
FABIO BERTRANOU: Yeah, of course.
RICK KARR: Bertranou says Argentina looked at Chile, liked what it saw, and privatized social security, but failed to account for the costs. And that helped lead to an economic meltdown. But the architect of the Chilean plan, Jose Pinera, says the transition costs just do not matter.
JOSE PINERA: I believe passionately -- because I have seen it working -- that a system of personal retirement accounts is morally, economically, financially and politically superior to a system of entitlement where you depend on government, where it's very easy to go bankrupt because of demography, because of political manipulation.
RICK KARR: Ultimately, politicians on Capitol Hill will have to weigh the benefits of the Chilean system against its shortcomings, as they decide whether it fits the United States at all.
Reporting from Santiago, Chile for JOURNAL EDITORIAL REPORT, this is Rick Karr.
PAUL GIGOT: Ed, nobody's followed the Chilean experience more closely, no American certainly, than you have. What lessons do you think it has for the United States?
ED CRANE: Well, I mean, the announcer said, "But has it been good for the Chilean people?" It's earned 10 percent a year real for a quarter of a century. It's got to be good. And we know that from the fact that Chile's got the strongest economy in Latin America now. They need to get people who were in the underground economy in the real economy. But it's been a huge success.
Jose Pinera is a colleague of mine, likes to talk about how people take their passbooks out and show it to him, and show how much money they have. They have a sense of control over their own lives. It has been an unequivocal success in Chile.
PAUL GIGOT: And it's been tried elsewhere in the world, too. More and more of the world, as Dan suggested earlier, are moving to these kinds of systems.
ED CRANE: We had a conference in China three years ago. The labor minister there is a big fan of Jose Pinera's and they were trying to install in China a Chilean-like system.
PAUL GIGOT: Let's talk about this issue of ownership, because that seems to be the nub of the debate. And you made the point earlier that you think that the current payroll taxes are not yours, according to the Supreme Court case Nester v. Fleming. There's no ownership, there's no property right. Do you really think the politicians, now or in the future, are going to repudiate the promises they've made?
ED CRANE: Why wouldn't they? They've done it in the past. Every time they raise the retirement age, or cut the benefits, increase taxes -- of course, they're going to be forced to. And that is why it's so important to have a system, like Sam Johnson's bill in Congress, that would allow not only private accounts but provide what they did in Chile, so-called "recognition bonds" so that everything you paid into the system, you'd get in a deep discount zero coupon bond that would be yours and you owned, and that the politicians couldn't take away from you. So yeah, there's a real -- people should be concerned that the politicians are going to renege on their promises. And that's why private accounts are such a good solution.
PAUL GIGOT: Holman, what are some of the other advantages of this kind of system, personal investment accounts?
HOLMAN JENKINS: Well, you don't know what your life expectancy is, so you can pass it on to your children if you get struck down by some terrible disease at age 64. There's also, you have the choice of how to draw it down. If you, in the first years of retirement, want to go wild and have a big vacation, do a world tour, you can spend the money at that rate and then live off the remainder at a more leisurely and relaxed kind of level of consumption. You have lots more options.
PAUL GIGOT: Right now, of course, if you die as a single person when you're 64 and you've been paying in for 40 years --
HOLMAN JENKINS: The system loves you.
PAUL GIGOT: -- because it keeps all the money, and you don't get anything, and you can't it on to your children.
ED CRANE: The money goes "poof." And even if you're married, the spouse's benefits disappear if your benefits are higher than his or hers. And then once the surviving spouse passes away, the money is all gone. And where's the compassion in that? Where's the justice in that kind of system?
PAUL GIGOT: Let's address some of the objections that have been raised to this kind of idea. One is that it's a risky scheme. You can't put the money in the "stock market casino" because some people would simply be irresponsible, and put money in the penny stocks in Denver, and there won't be any money left for their retirement. Dan, what's your response to that?
DAN HENNINGER: My response to that is, so what exactly are you saying? Once you say that, you have to default to the status quo. The status quo results in two alternatives: one, raising taxes to pay for the system going forward; or cutting benefits. I don't think anybody disagrees with that. The Democrats say, well, we can raise taxes two percentage points and that will fund the system. You're talking about a situation where the payroll tax could go from 12 percent over the next 40 years, up to 18 percent. That is surely going to retard growth in this country.
PAUL GIGOT: Won't the funds also be invested in presumably relatively low-cost --
ED CRANE: There will be a limited number of mutual funds that you can invest in. You know, people have made the same argument about "too risky" in 1983 when the Greenspan commission was meeting, and they didn't even consider personal accounts. The stock market today is eight times higher than it was at the peak in 1983. And so the same people who wring their hands -- with some justification -- over the growth wealth gap in America, refuse to let middle- and lower-income people have an opportunity to accumulate wealth, which they could have done in '83. It'd have been tremendous.
HOLMAN JENKINS: Anybody can learn to invest safely. It's not that hard. No one has bothered to teach them. But if you presented them with this money and said, "You're going to have to look out for yourself in 40 years," they'll learn.
DAN HENNINGER: And you know, most interestingly, federal workers basically have this system. The thrift savings system gives federal workers four or five indexed accounts in which they can put their money. It's run through the government. The administrative costs are very low. But I suspect most people would be startled to realize that federal workers have a system that private sector workers don't have access to.
PAUL GIGOT: All right, we've got to take on at least a complicated issue technically, this transition cost argument, Ed, where people are saying that if you're going to take money out and invest it, current benefits, and give it into retirement accounts that will build up assets, it's not there to pay for the benefits so you're going to have to borrow, and you're going to have to pay for this transition. And people say, well, you're going to have to build up too much debt and it will raise interest rates. What's your response to that?
ED CRANE: Well, what is too much debt? I mean, we have world capital markets. The money is there. It's not that much money in terms of the total capital markets in the world. But the debt is already there. The actuary of the Social Security system, Mr. Goss, has done studies of all the privatization plans. They all save money in the long run. Now, they do move some of the debt up earlier, but they actually save trillions of dollars in terms of the total debt that the system has.
PAUL GIGOT: Do you have to cut benefits at all to make this happen as well? To make the math work?
ED CRANE: No, this is another area where I disagree with the way the Bush administration presents this. It's not benefit cuts. It's simply a change in the nature of the benefit. There are going to be benefit increases with private plans, it's just going to be more of a mix of your own assets with the government's assets.
HOLMAN JENKINS: Somebody should also point out that you go in this direction and you reduce the drag on labor markets and on investment returns. You're going to get more growth between now and then. You're actually going to come out better. This can be a win/win if done properly.
PAUL GIGOT: All right, with everything we've said, why is the administration having a hard time selling this politically -- which it seems to. I mean, if you look at the polls, the voters aren't convinced yet, Dan. What's going on?
DAN HENNINGER: Well, I think it's been poorly explained to them. I think it's also true that the president has been, in fact, emphasizing the solvency of this system. You get into the sort of these green eyeshade issues that are impossible to ignore, certainly. But that he has not been emphasizing enough the ownership side of it, and the fact that people -- I think people believe that Social Security exists like the Bill of Rights or a Supreme Court decision, that it's set in concrete: I have that money come to me when I retire. That is not true. It's like the Welfare system. They can change it any time they want to.
PAUL GIGOT: Ed, as you mentioned, Bill Clinton was on the verge of trying to do something about Social Security.
ED CRANE: Before Monica came along, right.
PAUL GIGOT: That's right, before impeachment took everything off the agenda. Bob Kerrey, Patrick Moynihan, a lot of Democrats were in favor of this in the late nineties. Bob Kerrey said one of the great advantages of this is if we take care of this entitlement problem we'll have more money to spend on things like health care and education and so on. Not maybe things you would savor, but things the Democrats savor. It wouldn't crowd out the federal --
ED CRANE: It's a Democratic issue.
PAUL GIGOT: Why are they so opposed?
ED CRANE: Well, for ideological reasons, I guess. But the beneficiaries of private Social Security accounts are primarily the poor, blacks, women, union workers, blue collar workers -- who all favor it, by the way. I'd love to see Barack Obama, who I knew could be --
PAUL GIGOT: Senator from Illinois.
ED CRANE: Senator from Illinois. He could be Nixon going to China. Very smart guy. And he was asked on one of the talk shows what he thought about this, and he said, "I have an open mind." But if you get some Democratic leadership in there -- Harold Ford in the House is in favor of these ideas. I think it should be a Democratic party issue.
PAUL GIGOT: All right. Very briefly, just I want to go around the table. Is Congress going to pass a Social Security reform in the next two years that includes these personal retirement accounts?
ED CRANE: They will if the president changes his tactics away from solvency and toward ownership and inheritability.
PAUL GIGOT: Dan?
DAN HENNINGER: I think the chances are slight, because Democrats haven't come up with an alternative that will give them a piece of the action. As a result, they'll default to total opposition.
PAUL GIGOT: Holman?
HOLMAN JENKINS: They'll give a different name. It'll be the same thing, and we'll say, "We will give you a tax cut if you save the money." That simple.
PAUL GIGOT: Interesting. I'm pessimistic about this one. I think the Democrats are just not going to let it happen. This debate has to percolate a little longer. All right, thanks everybody. Next subject.
© 2004 Educational Broadcasting Corporation. All rights reserved. Last broadcast 12/02/05.


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