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The St. Augustine Waterworks Pumping Station, which served the city in its original purpose until the early 20th century, will receive fresh upgrades thanks to grant funding from the state. And improvements underway are being posted on YouTube.
The former water pumping station is near San Marco Avenue and May Street and is near the carousel and main library.
The station functioned for a few decades before a new pumping station took its place, according to a city news release.
Flagler College and Francis Marion University split a Peach Belt Conference softball doubleheader Saturday afternoon at Flagler Field. The Saints won the opener 5-4, but the Patriots rallied to take the second game, 13-11.
Flagler is now 12-31 overall and 3-13 in the Peach Belt. Francis Marion leaves with a 21-19 overall record and 7-11 in conference play.
In the opener, the Saints scored all of their runs in the third inning. Malloree Escue belted a grand slam to left-center to give Flagler a 5-0 lead.
The following is from police reports from the St. Johns County Sheriff's Office (SJCSO), the St. Augustine Police Department (SAPD) and the St. Augustine Beach Police Department (SABPD):
Ballou, Brandon Lee, 23, Hastings. Charges: Probation violation — two counts. (SJCSO)
Barnes, James Wesley, 36, St. Augustine. Charges: Battery, possession of marijuana, possession and/or use of drug equipment. (SJCSO)
Registration for St. Johns River State College's summer sessions started March 9. Three sessions will be offered, with Session 1 classes to be May 6 to June 18, Session 2 classes May 6 to Aug. 6, and Session 3 classes June 24 to Aug. 6.
All new students are required to attend orientation and should contact the counseling office for an appointment. New student registration for all summer sessions for those completing orientation began March 12. Open registration for Session 1 and 2 will begin April 30, and open registration for Session 3 will begin June 17.
Several local baseball players had strong season debuts during minor league opening day Thursday, but Kyle Parker made the biggest splash.
The former Bartram Trail star, who played baseball and football at Clemson, blasted a home run in his second at-bat of the season for the Albuquerque Isotopes (AAA/Rockies). Parker crushed a 2-2 pitch over the scoreboard in left field in the bottom of the third inning.
Although the blast put the Isotopes ahead 2-1, they lost 8-2.
An Oklahoma woman was charged Friday in St. Johns County with taking a $600 parrot from Pet World.
The store's video surveillance camera shows Dawn Griman, 47, entering the store at about 3 p.m. Thursday and taking a green White-eyed Conure parrot, a news release from the St. Johns County Sheriff's Office said.
She then walked out of the store with two men, according to the release, and the three were seen getting into a white or tan Cadillac Escalade.
Sections of King Street and Avenida Menendez will be closed in the coming days, starting Sunday night, for a Florida Department of Transportation (FDOT) repaving project.
Lane closures are scheduled from 7 p.m. to 6 a.m. The maintenance project is being performed to smooth roads frequented by horse carriages through downtown St. Augustine. It is expected to be complete by Thursday.
In an effort to teach children the importance of bicycle safety, Velo Fest Community Initiative is bringing back Bicycle Rodeo.
Bicycle Rodeo will be available on three separate Saturdays in April and May, and will offer free helmet fittings, bicycle-handling skill stations and "how to" stations. Nearly 800 free helmets will be given out throughout the three events.
The dates are:
Gainesville 4
Creekside 0
The Velo Fest Community Initiative is partnering with local law enforcement to raise awareness of bicycle safety.
Inspiration for the event came when the Sheriff's Office attended bicycle training in December to learn how to properly fit helmets and teach bicycle skills.
The Velo Fest Community Initiative is a local organization that aims to increase awareness about the laws of the road to create a safe environment for cyclists and drivers.
JACKSONVLLE — The Jacksonville Jaguars announced the framework of its 2015 preseason schedule on Thursday. The opponents and a general time frame for the preseason games were released.
The Jaguars will play the Detroit Lions at EverBank Field in a nationally televised CBS game in Week 3. That game will be played at 8 p.m. Aug. 28.
St. Augustine Record ©2015. All Rights Reserved.


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jj abrams not in 3rd star trek movie
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January 26 2013, 12:15 AM
Greg Cox
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Location: Oxford, PA
Re: jj abrams not in 3rd star trek movie
My Name Is Legion wrote:
OTOH, if Meyer was responsible for the "I'm from Iowa; I only work in outer space" line in ST 4 he gets a free roll.
My understanding is that Meyer was largely responsible for all the fish-out-of-water, time-travel hijinks in contemporary San Francisco, which makes sense when you consider that he had prevously tread the same ground (to good effect) in TIME AFTER TIME.
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Great British Chefs search allows you to search for ingredients, recipes,
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3:22 pm
Fri June 27, 2014
US 68/80 Traffic Delays Expected Monday
People planning to drive on US Highway 68/80 near the Eggners Ferry Bridge on Monday should plan for delays due to construction work on the new Lagoon Bridge.
A Kentucky Transportation Cabinet contractor will start a concrete deck pour at 4 a.m. on the new span at the west end of the Eggners Ferry construction site on Kentucky Lake. The contractor plans to finish work by noon.
No lane restriction will be required, but KYTC spokesperson Keith Todd says there will be a substantial amount of truck traffic as they come in and out of the site throughout the morning.
Motorists should expect slowing and stopped traffic at about the 28 mile marker. Todd says drivers should be cautious as they enter the area.
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Borrowing $ Section 1: About Credit (Segments 1-6) Become familiar with credit, credit terminology, the value of credit, and how to build good credit. Section 2: Basics of Loans (Segment 7) Explore the basic concepts and characteristics of loans. Section 3: Responsible Use of Credit Cards (Segments 8-10) Examine how responsible use of credit cards can give them greater financial flexibility. Explore ways to avoid potential credit problems, including excessive debt and identity theft. LEARNING OBJECTIVES 1. Make effective decisions as consumers, producers, savers, investors, and citizens. 2. Compare sources of consumer credit. 3. Explain factors that affect creditworthiness and the purpose of credit records. 4. Identify ways to avoid or correct credit problems. 5. Describe the rights and responsibilities of buyers and sellers under consumer protection laws. • Spending and Credit Standard: Credit is a basic financial tool. Borrowing money to buy something usually costs more than paying cash because there is a fee for credit. Responsible borrowers repay as promised, showing that they are worthy of getting credit in the future. Some payment methods are more expensive than others. Online transactions can make consumers vulnerable to privacy infringement and identity theft. Comparing the costs and benefits of buying on credit is key to making a good purchase decision. Consumers can choose from a variety of credit sources. Credit bureaus maintain credit reports, which record borrowers' histories of repaying loans. Sometimes people borrow more money than they can repay. Laws and regulations exist to protect consumers from a variety of seller and lender abuses. Formal complaints and government/community agencies can help consumers resolve problems with goods and services. Making minimum payments on credit card balances increases the total cost and repayment time. Understanding credit card disclosure information is key to controlling borrowing costs. Negative information in credit reports can affect your financial future. Section 1: About Credit Become familiar with credit, credit terminology, the value of credit, and how to build good credit. Opening Questions Use these or similar questions to start thinking about this concept and how it relates to them: 1. How would you define the word "credit"? 2. Have you ever borrowed money from someone? What kind of agreement did you make about paying the money back? Did you keep your promise? 3. Do you have a credit card? What's the interest rate? For what kinds of purchases do you use it? 4. Have you ever loaned money to someone? What kind of agreement did you make about getting paid back? Why do people put such agreements in writing? 5. Do you have a car loan or an education loan? Describe how you shopped for your loan. Key Points • If you do a good job managing your money over time, you gain the ability to borrow money when you need it. This ability to borrow money is called having credit. • Car loans, credit cards, student loans, and home mortgages are all examples of credit. In each case, you're borrowing money from a lender with a promise to pay it back. • Having the ability to borrow money when you need it gives you flexibility. When you're able to borrow money, you have the option of buying something today and paying the money back over time, rather than having to wait. You gain the flexibility to act on major purchases and life opportunities that may require more money than you have on hand right now, like buying a computer, for example, or borrowing for college. • Banks will lend you money, but only if they have trust and confidence that you're able to pay it back. Earning this trust is called establishing credit. Those who lend you money are called lenders or creditors. The money you owe is called debt. • When you borrow money, you're taking on a real responsibility. The money you borrow is yours to spend, but remember: you always have to pay the money back, on time, and in full. You need to make monthly loan payments plus other costs called interest and fees. • One possible risk of using credit is that you'll overdo it. Borrowing too much money and being unable to pay it back is a serious problem in our country. In fact, the fastest growing group declaring bankruptcy is age twenty to twenty-four. It's important to use credit responsibly and avoid having too much debt. If you understand how credit works and use it wisely, it can help you to reach your goals. • Every time you borrow money and keep your promise to pay it back, you're proving to lenders that you keep your promises. By showing them you're trustworthy, you strengthen your ability to borrow again the next time. This is called having a good credit record or a good credit rating. It's also known as building a good credit history. • Good credit means that you make your payments in full and on time. Bad credit is just the opposite. It means you're paying your creditors too little, too late, fail to make payments, go above your credit limit, have too much debt, or all of the above. • If you don't make your payments in full and on time, you'll damage your credit record. That will make it difficult for you to get loans or credit in the future. You'll also lose money on late fees and the additional interest you'll be charged. But if you have a good credit history, a new lender or a new landlord will know they can trust you to pay them. It will be easier for you to rent an apartment, to get service from local utility companies, and to buy what you want, when you want it. Good Credit not Bad Credit Paying at least the minimum required payment not Paying too little Paying on time not Paying too late Never missing a payment not Missing payments Staying within your credit limit not Going over your credit limit Result • Easier to borrow money • No additional penalty fees Result • Difficult to borrow money • You lose money on late fees • To begin building good credit, start simple. Open a savings or checking account. Manage it well. Never spend more than you have in the account. Over time, your bank will see that you're reliable, someone they can trust to repay a loan. Or get your own bank or store credit card and pay your bill on time, every month. States laws varyon the minimum age to get a credit card of your own. Check on the law in your state. Another way to build credit is to take out a small loan, let's say for a computer, and make your full monthly payment on time, every month. With each of these steps, you're building a good credit history. • Banks look at three factors when deciding whether or not to lend money to an individual. These are referred to as the three "C's" of credit: character, capital, and capacity. • Character means being steady and stable financially. For example, if you've lived at the same address and held the same job over a length of time, a lender will have greater confidence that you're also steady in paying my bills. The more stable you are in where you live and where you work, the better. Once you have a track record using credit, lenders consider how you've handled debt up to now. They generally don't want to extend credit to people who fall behind in their payments or always pay late. • Capital means what you own, for example, a car or the money in your savings account. This is also known as collateral or assets. If you can't pay back the money you borrow, the lender could take these assets to pay your debt. One way or another, they want to be sure you can keep your promise to pay them back! If you have a car loan, the loan is guaranteed by the car itself. Lenders call this making a secured loan because if you fall behind on your car payments, the lender can take the car. When you use a credit card to buy things, the lender is giving you an unsecured loan. But part of the reason they give you credit is because they know you have assets. In an emergency, you could sell your assets to pay off the loan. • The last of the three C's is capacity. Capacity means that you have enough money coming in on a regular basis, so that even after paying all of your other expenses, you still have enough money to make your monthly loan payment. When you apply for a loan, keep in mind that the lender will look at your whole financial picture in order to decide if you have the capacity to repay them. Character How steady are you? Capital What are your assets or collateral? Capacity Can you repay the loan? Do you pay your bills on time and in full? What do you own? A car? Real estate? Do you have a steady job? How long have you been at your current address? Do you have money in a savings account? Do you make enough money to pay back the loan? How long have you been at your current job? Do you have other investments? Do you have other debts and obligations? • Ifyou're under 18, or if your own credit history is not strong, you'll probably need a co-borrower such as a parent, guardian, or other adult, to apply with you if you want to qualify for a loan or a credit card. A co- borrower is equally responsible for the debt and agrees to repay the money if you can't. • Lenders always want to know the credit history of people who ask them for credit cards and loans. To find out, they turn to credit bureaus. Credit bureaus are companies that keep track of everybody's credit history information. Your credit history includes things like how many credit cards you have and how much you owe; whether you pay your bills on time; where you work and how long you've worked there. • The complete written version of your credit history is called your credit report. • You give others permission to look at your credit report when you do things like fill out a credit card application or apply to rent an apartment. Many landlords do a credit check before deciding whether to rent to you. They look at your past credit history to decide if they can count on you to pay your rent. Some lenders request information about your credit in order to decide whether to offer you credit. • The three largest credit bureaus in the United States are Equifax, Experian, and TransUnion. You can request a copy of your own credit report from any of the companies. All you need to do is provide them with some basic information including your name, address, place of employment, and social security number. • A federal law called the Fair Credit Reporting Act allows you to receive one free copy of your credit report from each of these three companies once a year. If you request more reports after that, they may charge you. • To get a free report online, go to www.annualcreditreport.com and follow the instructions. You can also call tollfree or request your report by mail: Equifax Information Services PO BOX 740241 Atlanta, GA 30374 1-800-685-1111 www.equifax.com Experian Consumer Assistance (Call for mailing address for your state) 1-888-397-3742 www.experian.com TransUnion PO BOX 1000 Chester, PA 19022 1-800-888-4213 www.transunion.com • A sample credit report appears below. Here's how to read it: • Section A shows information about you – your name, current and previous address, Social Security number, date of birth, and other information to identify you. • Section B is called Public Record Information. In this area, you'll see any information that is listed about you in the records of local, state, or federal courts. In this example you see a bankruptcy. • Section C shows collection agency account information. If you fail to pay back one of your creditors, they may hire a collection agency to contact you. This is a company that specializes in collecting money to pay off debts. • Section D shows your credit history. This is a list of all the places where you have credit – or used to have credit. These are called your accounts. The credit history section is divided into twelve columns. • The first column shows the names of your lenders. In this example you see a car dealership, a credit card company, and a department store. • The second column shows your account numbers. • The third column shows who is responsible for payment. On most credit reports, you'll see an "I" meaning that an individual is responsible. Or you'll see a "J" for joint – meaning that you and another person are responsible for paying. • The fourth column shows the month and year the account was opened. • Column 5 shows the number of months the payment history for this account has been reported. • In column 6, you'll see the date that the last payment, change, or other activity was made in this account. • In column 7, you'll see the highest amount that has been charged to this account, or the credit limit, if there is one. • Column 8 shows the amount of your monthly payments – if this is an installment loan. • And column 9 shows the amount you still owe as of the date of this report. • Column 10 shows any amount that is past due. This means money that you're late in paying to your lender. • Column 11 is called Status. It contains a letter and a number. The letter describes what kind of account it is. "I" means installment. This means you make a loan payment every month for a certain period of months. "R" means revolving. Credit cards are called revolving credit because as you pay the money back, your credit becomes available for you to use again and again. "O" means open. This means that the lender decides to give you credit and then bills you for what you borrow. • What do the numbers mean? "1" means the account is paid as agreed; "2" means the account is 30 or more days past due; "3" means the account is 60 or more days past due. In this example, the car loan is I4. This means it's an installment loan that's 90 or more days past the payment due date. Not good! • Finally, column 12 shows the date on which the information for this account was last updated. • Section E, the last section of the credit report, is called Inquiries. This is a list of the companies that have requested a copy of your credit report for their review. • When you receive your credit report, be sure to check for any mistakes. If you think your report has an error, you need to take personal responsibility for getting the mistake corrected. Contact the credit bureau immediately! Also contact the creditor in question. • If you're having difficulties, consider talking with a nonprofit credit counselor who is an experienced credit professional. • In addition to your credit history, almost all lenders look at your FICO score, also known as your credit score. A computer program analyzes your entire credit history and generates a single number or score, usually ranging from 300 to less than 900. This score helps lenders decide if you are a good credit risk or not. Points are awarded or deducted based on five factors: your payment history, such as whether or not you pay your bills on time; how much you owe, including whether you're near your maximum spending limit on your cards; how long you've had credit; your recent track record with credit; and the total number and types of loans and credit cards you have. The higher your credit score, the better the interest rate lenders are likely to offer you. • Your credit score can impact your life in many ways. It may affect your ability to borrow money, get a credit card, rent an apartment, purchase a home, and get service from utility companies. • It's important to understand what your credit score is, what it means, and what you can do to improve it. In general, people with high FICO scores consistently pay their bills on time; keep low balances on their cards; and only apply for and open new credit accounts when they need them. Section 2: Basics of Loans Explore the basic concepts and characteristics of loans. Opening Questions Use these or similar questions to start thinking about this concept and how it relates to them: 1. Let's say you were considering getting a $10,000 bank loan to buy a car. How would you determine whether you could repay this loan? 2. Besides paying back the $10,000 principal what other kinds of charges might you have to pay to the lender? 3. What's one reason why you might want to pay off the loan as quickly as you could? 4. What's one reason why you might want a lender to give you a longer loan term – that is, more time to pay back the loan? Key Points • To purchase very high-priced items, many people frequently borrow the money to do it. In other words, they get loans. • With a loan, you receive all the money the lender has approved for you in one lump sum. Then, to pay the lender back, you make equal monthly payments called installments for a fixed period of time, until the loan is paid off. This is called a long-term loan or installment loan. • When you borrow money from a bank or other lender, keep in mind that there are costs involved. Lending money is a business. The lender – whether it's a bank, a store, a car dealer, or a credit card company – makes money by charging you an extra amount over and above the amount of the loan itself. • The amount of the loan is called the principal, and the extra amount they charge you to borrow the money is called interest. (With a savings account you earn interest; with a loan you pay interest.) • The amount of interest you'll pay for your loan depends on a number of things: • First, it will depend on how much you're borrowing, the principal. • Second, your costs will depend on the interest rate. That's the percentage the lender uses to calculate the interest you'll pay. Keep in mind that the interest rate a lender is willing to give you will depend on how good they believe your credit is. Lenders call this your creditworthiness. • The last factor affecting your interest payments is how long it will take to pay the money back, also known as the term of the loan. • In addition to the principal and the interest, the lender may also charge you fees for giving you the loan. • Take some time to comparison shop for your loan. When you compare loans, it can be hard to see which one will cost you the least. To make it easier, lenders are required to tell you a loan's annual percentage rate, or APR. The APR is a number that combines the interest rate, the term, and the fees to show you the total cost of the loan. The lower the APR, the lower the total cost. Remember, the loan with the smallest monthly payment may not have the lowest cost overall. • What will a loan cost you? It mostly depends on two things: How long you take to pay it back, or the term, and the interest rate you're being charged. • As for the term, you often will have a choice to make. You may be tempted to have a longer term loan because your monthly payments will be lower, but as you can see in this example, with the longer-term loan, the total cost of the loan is higher because you're paying more in interest. • Compare the two sample loans below. Note how the term affects the monthly payment and the total cost of the loan: Term Comparison Based on 10% Annual Percentage Rate (APR) Loan amount $10,000 $10,000 Term 25 months 49 months Monthly payment $450 $250 Total cost of loan $11,106 $12,215 Total interest paid $1,106 $2,215 *Please note: the final month's loan payment may vary from the regular monthly payment. you a lower rate than others. • As for the interest rate, it's important to shop around. Some banks may give In general, the shorter the term, the lower the interest rate. Compare the two sample loans below. Note how the interest rate affects the total amount of interest paid: Interest Rate Comparison Loan amount $10,000 $10,000 Term 5 years 5 years Interest rate 5% 15% Monthly payment $188.77 $237.90 Total interest over 5 years $1,236.92 $4,271.08 *Please note: the final month's loan payment may vary from the regular monthly payment. • Discuss the costs and the options with your lender. Carefully study the monthly payment and the APR. Then decide if you can really afford the loan. You want to be sure the monthly loan payment is an amount you can afford, but minimize the total cost of your loan if you can. • Before you sign any loan agreement, be sure to read it, including the fine print. Make sure you understand the terms and the costs. • A few lenders out there, unfortunately, are less than honest. They may try to sell you a loan that's great for them, but NOT for you. So please be careful! Watch out for lenders who say, "No Credit? No Problem!" It just isn't true. Don't sign anything you don't understand. Ask questions. Get advice from a financial professional you can trust. Don't sign a blank contract that the lender says they'll fill in later. • If you decide to apply for a loan, remember that you have legal rights as a borrower. The U.S. government passed the Equal Credit Opportunity Act to promote the availability of credit to all applicants who qualify for credit without regard to race, color, religion, national origin, gender, marital status, or age. Practice Use the loan comparison worksheet to compare the terms of different loans they are considering. Loan Comparison Worksheet Use a worksheet to compare the terms of different loans you're considering. Please note that "points" are fees charged by the lender. One point is equal to 1% of the loan amount. Loan 1 Loan 2 Loan 3 Loan 4 Loan amount $ Interest rate % # of points # of monthly payments Monthly payment amount $ Total interest paid $ Cost of points $ Total amount paid $ Section 3: Responsible Use of Credit Cards Examine how responsible use of credit cards can give them greater financial flexibility. Explore ways to avoid potential credit problems, including excessive debt and identity theft. Opening Questions Use these or similar questions to start thinking about this concept and how it relates to them: • Why might someone want to make a purchase with a credit card rather than paying cash or taking out a loan? • Would you recommend to someone to have many credit cards, or just one or two? Explain your reasoning. • Do you know anyone who has gotten into financial trouble because of credit card spending? What do you think caused the problem? • What are some reasons it would be a good idea to shop around for credit cards? Key Points • Credit cards can be more convenient than carrying cash, but remember, you always have to pay the money back. • In general, people spend more when they use credit cards instead of cash. It can be easy to get in over your head with credit card debt before you know it! • As a general guideline, never borrow more than 20% of your yearly net income. That's the amount of money you take home in a year after taxes and other deductions. A second guideline is that less than 10% of your monthly income should go toward paying off credit card bills. • To keep your credit card spending under control, try this strategy: use cash or your debit card for everyday purchases. Save your credit card for buying larger, more lasting items. But before you actually use your card, think through what you want to buy and how you're going to repay the money. • Loans are called "installment" credit, meaning you receive the money once and pay it back over time in installments. Credit cards are called revolving credit because as you pay the money back, your credit becomes available for you to use again and again. • Every time you use your credit card, you're actually borrowing money from the financial institution that issued you the card. The financial institution pays the debt to the store for what you bought. In turn, you pay the money back to the financial institution. • As a reminder, when you use your debit card, the money is deducted directly from your checking account. When you use a credit card, you receive a monthly bill you have to pay. • Many financial institutions offer credit cards. Some will charge you an annual fee to have one. When you apply for a card, they'll check your credit history and decide whether or not to give you a card. They'll also decide how much you're allowed to borrow, or "charge." This is called your credit limit. If the credit card company issues you a card, they'll let you know what your credit limit will be. • If you haven't established a good credit history yet, some lenders offer secured credit cards. These are ideal for people who are starting out on their own or need to rebuild their credit. To qualify, you're normally required to open a savings account with a balance equal to the credit limit of the card. For example, if you want a credit card with a five hundred dollar limit, you must have five hundred dollars in your account. This gives the lender security that you can pay them back, and some lenders will pay you interest on this balance. By establishing a good payment history with your secured credit card, you can improve your qualifications for unsecured credit in the future. • It'salways a good idea to shop around for the credit card with the lowest interest rate and lowest annual fee you can find. Compare the two examples below. In both cases, customers used a credit card to purchase a large-screen TV with a $500 price tag, and made a $100 payment each month. But note how the difference in the interest rate affects the total amount of interest each customer paid: • Remember that if you pay off the purchase by paying your first credit card statement in full, you'll pay no interest, plus you'll have your full credit limit available to use again; but if you decide to pay for your purchase over time, you're going to be charged interest on the unpaid balance each month – in other words, on the amount you still owe. So even though your monthly payments may be low, the total amount you end up spending for that new TV is quite a bit higher! It definitely pays to get a credit card with a low interest rate, and to pay off your bill as quickly as you can. • Each month, the credit card company will send you a bill, or statement, showing the amount you've borrowed. The format of these statements may vary. You can familiarize yourself with the basic elements by reviewing a credit card statement How to read your credit card statement Each month, the credit card company will send you a bill, or statement, showing the amount you've borrowed. This amount includes your most recent purchase activity and your prior outstanding balance, if any. The format of these statements can var. Read it: A. Your credit card account number is on your statement. Remember to keep it a secret, or others can use your account. B. There is the closing date of the statement. It's the date the credit card company created this statement. C. The amount of your credit line is in other words your spending limit. D. Your available credit means the amount of your credit that you haven't borrowed yet, so it's still available to you. E. In the Transactions section, you'll see a list of each charge and payment you made in date order. F. Your transactions are summarized on your statement, in the Account Summary section. G. Read the Payment Information. This shows the total amount you now owe, called your New Balance. H. The Minimum Payment is due each month, you must pay at least this portion of what you owe. If you wish, you may pay more than the minimum, up to the total amount, if you can. If you want to have good credit, and reduce the amount of interest you'll pay, it's a good idea to pay more than the minimum payment each month. I. Read the Due Date of the statement. Unless your credit card company receives your payment by this date, they will begin charging you interest on the amount you owe. Most companies will also charge you a late fee. They may also increase your interest rate. J. In the Rate Information section you'll see how the interest and fees are being calculated. K. The Payment Coupon repeats your current payment information. Include the coupon with your check if you pay by mail, and be sure to write in your new address if you've moved. • In addition to reviewing your statements, read the fine print of your agreement with the credit card company, which is called a disclosure. It will tell you how many days you have before they begin to charge interest and fees. This is called the grace period. Nowadays, most credit card companies give their customers 20 to 25 days to make their payments. But be careful: your statement may arrive in the mail just a few days before your payment is due! • The disclosure will also tell you if the interest rate you're being charged is subject to change. Again, be careful! Some credit card companies begin to raise your interest rate after you've had the card for a certain period of time, or if you fail to pay your bills on time. • If you have any questions about your credit card statement, the terms of your credit card agreement, or your billing schedule, contact a customer service representative at the credit card company. The phone number is on your statement. • Credit cards can be very helpful and convenient, but it all comes back to having the cash to pay for what you charge. As we've seen, you pay a price for keeping an unpaid balance on your credit card from one month to the next. If you want to save money, try to get a credit card with a low interest rate and pay off your balance every month. Here are some more valuable tips about using credit cards wisely: Tips for using credit cards wisely • For now, have just one credit card with a low spending limit. This will help you start to get comfortable using credit and paying it back, and stop you from getting into big trouble with debt. • Get a credit card with a low interest rate and pay off the balance or as much as you can every month. • Make at least the minimum payment each month. • Don't use your credit cards to buy things you really can't afford. Follow your budget. • Stay within your credit limit. Track your credit card charges throughout the month. • Pay your credit card bills on time. • Some credit card companies may offer you a cash advance. Avoid this option except in emergencies. You'll be charged a fee and the interest rate is usually much higher! • If you're getting into trouble with debt, get help early. Consider talking with a credit counselor, an experienced professional, who can help you get out of debt. Debt tips Twenty warning signs of financial trouble 1. You're always late in paying your bills. 2. Your checking account is frequently overdrawn. 3. You race to deposit your paycheck because you've already written checks that require the money in your paycheck. 4. A small reduction in your income or an unusual expense would make you unable to pay all of your monthly bills. 5. Your credit accounts are usually at their maximum limits. 6. You apply for more credit cards because you have reached the limit on the ones you have. 7. You are spending more than 20% of your take-home pay on credit payments (not counting your rent or mortgage). 8. Your loan or credit card balances stay the same or go up each month. 9. You can make only minimum payments on your revolving charge accounts. 10. It takes you 60 or even 90 days to cover bills you once could pay monthly. 11. You don't have a savings account, or have stopped making deposits to it. 12. You are always worried about your debts. 13. You argue with your spouse or partner over bills. 14. You're still paying off purchases you made a year ago. 15. You use savings or credit cards to cover everyday living expenses, such as groceries. 16. You sometimes wonder why you made certain purchases. 17. You juggle payments to keep creditors (also called "lenders") satisfied. 18. You ignore the mail or telephone to avoid dealing with creditors. 19. You put off medical and dental visits because you cannot pay the bill. 20. You feel free to spend more after clearing up a debt. Reducing your debt If the amount you owe others is at an uncomfortable level, you're not alone. Millions of Americans have spent too much on credit and then learned – the hard way – how difficult it can be to pay it off. If you find you're having difficulty making payments, here are some tips for lowering your debt and getting your finances under control: • Don't take on any new debt. Stop using your credit cards. Say no to offers for credit cards, debt consolidation, and second mortgages. Debt tips (continued) • Make a written plan. Make a list of all your bills and their amounts. Review your budget and determine the total amount you can afford to repay each month. Set a date when each bill can be paid. Remember, even though it pays to get out debt quickly, keep sufficient savings to cover several months of living expenses in case of an emergency. • Pay off your highest interest rate debts first. To get out of debt more rapidly, first pay down the balances of loans or credit cards that charge the highest interest, while paying at least the minimum due on your other debts. Once the highest interest debt is paid off, start on the next highest, and so on. • Contact your creditors. Contact your creditors and discuss payment schedules that you can afford. Try to get your rate lowered or a different payment plan worked out. Creditors will want to work with you to find a payment solution. Follow-through on your commitment by making your payments on time, as agreed. • Make more than the minimum monthly payment on credit cards. You will save lots of money on interest and reduce or eliminate your debt much sooner. Starting in late 2005, look for new information on credit card statements that will help you better determine how making just the minimum payment will affect the amount of debt you will have to pay off overall. • Be aware of credit card rates and fees. Educate yourself about the annual fees, current interest rates, finance charges, cash-advance fees, late fees, penalty pricing and any other fees tied to your card. This knowledge can help you make better decisions about which card to use and how to manage your card. • Cash advances can be trouble! Only get a cash advance when it is absolutely necessary. Higher interest rates (than you're paying for card purchases) are usually charged, and the rates are put into effect immediately, without a thirty-day grace period. Most banks also charge a service fee based on how much cash you're withdrawing. The same applies to personalized "checks" some credit card companies may send you. • Transfer balances to cards with lower interest rates. Find credit cards that offer a low introductory rate (usually for six months), and transfer the balance from your previous credit card to that credit card. Before you take this step, however, make sure that, after the introductory rate has expired, the new card offers the same (or lower) interest rate as your current card. • Ask for help. Many nonprofit debt counseling centers across the country will advise you for a low fee or at no charge. Contact the Consumer Credit Counseling Service in your area. (Check the White Pages in your phone book.) They can often help you work out a repayment plan with your creditors. • Don't give up. Reducing your debt is challenging, but don't stop trying. It's one of the most important things you can do for a better financial future. How different debt-reduction strategies compare Where will you find the money to pay down your debts, especially high interest credit cards? There are advantages and disadvantages to tapping different sources of funds. Here's a comparison of four possible strategies: Stop spending Advantages: This is the surest strategy for climbing out of debt as quickly as possible. You'll have more money available for paying off your debts and learn to live within your means. Disadvantages: Making debt repayment your priority will probably mean postponing or doing without some other purchases. Home equity loans Advantages: The interest rate is usually lower than credits cards and the interest is tax-deductible. Monthly payments are much lower because the term of the loan is spread out over a long term. Disadvantages: Remember, home equity loans are secured by your home. If you fail to make your payments, you could lose your home! Additionally, home equity loan balances reduce the amount of money you'll receive when you sell your home. Because payments are spread out over a long term, you'll be in debt for a long time, too. Debt consolidation loans Advantages: Debts from several credit cards are consolidated into a single payment, often at a lower interest rate. This can make easier to keep track of monthly bills. Disadvantages: Watch out for predatory lenders who may try to take advantage of you. Some companies that promise to negotiate with credit card companies on your behalf charge enormous fees and can't get a better interest rate than you could by simply calling the company yourself! Transfer balance to another card Advantages: Many credit card companies will let you transfer balances and charge no interest for six months or even a year, allowing you to save on interest charges. Disadvantages: Before you transfer a balance, be sure to read the fine print in the disclosure statements: there could be hidden finance charges. Remember that the introductory rate your being offered is only temporary: if you can't pay off the balance before the permanent interest rate kicks in, you may end up with higher payments than you had before. Also, be sure to close your old credit card account. Otherwise, the balance transfer may tempt you to pile on even more debt in the old account. Protect Your Money and Identity If criminals get your ATM, debit, or credit cards, or personal financial information such as account numbers, passwords, or Social Security number, they can drain your bank accounts or make charges to your credit cards. They may also commit a crime called identity theft by taking out loans and obtaining credits cards and even driver's licenses in your name. There are 27 million victims of identity theft every year in the United States. Identity theft can seriously damage your credit and financial reputation, and it may take years to restore your good credit and name. Don't let it happen to you! Here are tips to help you avoid financial fraud and safeguard your identity, bank accounts, and money: Card safety: ATM, debit and credit cards • Report lost or stolen cards immediately to the company that issued you the card. • Sign your card on the signature panel as soon as you receive it. • Protect your cards as if they were cash – never let them out of your possession or control. • Don't leave your credit cards in your car's glove compartment. A high percentage of credit card thefts are from car glove compartments. • Don't lend your cards – credit, debit, or ATM -- to anyone. You are responsible for their use. Don't let your credit cards be used by others, even family and friends. • Never write down your personal identification number (PIN) – memorize it. • Never tell anyone your PIN. No one from a financial institution, the police, or a merchant should ask for your PIN. You are the only person who needs to know it. • When selecting a PIN, avoid picking a number that is easy for others to guess – for example, your name, telephone number, date of birth, or any simple combination of these. • Be sure that you get your card back after every purchase. • Always make sure that sales vouchers are for the correct purchase amount before you sign them. • Always keep copies of your sales vouchers, credit card, and Automated Teller Machine (ATM) receipts. • Always check your billing statement to make sure the purchase amounts are correct. Immediately dispute any charges that you did not make by notifying your credit card provider. • Always put disputes regarding your billing statements in writing immediately upon becoming aware of the disputed item; otherwise, you may be held legally responsible for the entire amount of the disputed item. Many credit card issuers have specific instructions for notifying them of a billing error dispute. Read your credit card agreement and billing statements carefully for information regarding dispute notification requirements. You may also contact your credit card issuer to ask about their dispute notification requirements. • To help you respond quickly in case your cards or ID are lost or stolen, make a chart like this one. Be sure to store the list in a safe place. Never carry it with you. Credit card name Financial institution Account number 24-hour customer service # • Don't volunteer any personal information when you use your credit card, other than by displaying personal Protect Your Money and Identity (continued) ATM safety • Think about your personal safety when using an ATM. Because most ATMs give out cash and many accept deposits, it makes sense to be alert and aware of your surroundings no matter where or when you use an ATM. • Memorize your personal identification number. Don't write down your account number and PIN and carry it with you. If your wallet or purse is stolen, someone else could have access to your money. • When typing in your PIN at the ATM, cover the number pad so no one near you can see your PIN. • Always keep your ATM receipts. • When you're by yourself, avoid using an ATM in out-of-the-way or deserted areas. Use ATMs located inside banks or supermarkets where other people are around. • Be aware of your surroundings. Is the area well-lit? • Try to use ATMs that have cameras or other security devices nearby. • Put your money and ATM card away before you leave the ATM. Always avoid showing your cash. • Keep your ATM card away from things with magnets, which can erase the information stored on the card. • If your ATM card is lost or stolen, contact your bank immediately. Mail safety • Notify the post office immediately if you change your address. • Make sure your mailbox is secure. • Remove your incoming mail promptly. • Don't leave your mail for long periods of time in open or unguarded areas (e.g., apartment lobbies). If you're out of town, put a hold on your mail delivery or have a person you trust pick it up. • Don't put outgoing mail in your residential mailbox. If you use the red flags found on some mailboxes to alert your mail carrier of outgoing mail, you are also alerting potential thieves that outgoing mail is in the box. • If regular bills or statements stop reaching you, contact the company immediately. • If you stop receiving mail, call the post office immediately. Some criminals are able to forge your signature and have your mail forwarded elsewhere for the purpose of obtaining information that will allow them to apply for credit in your name. • If you're told of a forwarding order placed on your mail without your knowledge, go to the post office to check the signature and cancel the order. Ask the post office to track down the forwarded mail – it can remain in the postal system for up to 14 days, so it may not yet have landed in the criminal's hands. Telephone safety • Don't give your account number over the phone unless you initiated the call. • When you purchase by phone, for maximum security, use a corded, rather than cordless phone. • If you're contacted by a telephone salesperson (or "telemarketer"), ask questions. The fewer questions a telemarketer can answer, the less likely that it's a legitimate business. Write down the name, address, and phone number of the businesses or organizations that contact you. Ask for the names of other customers who can tell you about their experience with the business or organization. Online safety • Don't send identifying personal information, such as account numbers, credit card numbers, or PINs via email. Financial institutions will never send you an email asking for this type of information. • Select one credit card with a low credit limit to use for all your online purchases. Tell your credit card provider that you do not want them to raise the limit on this card without your prior written permission. • Don't download files from strangers or click on hyperlinks from people you don't know. • Install a firewall on your computer. Equip your computer with virus protection software and update it regularly.Run a spyware program weekly. Protect Your Money and Identity (continued) • If you use your credit card to make purchases over the Web: 1. Be sure to make secure transactions. This means using a secure Web browser that keeps your information safe by encrypting it, that is, writing it in secret code. 2. Make sure there is secure transaction symbol displayed at the bottom corner of your Web browser. 3. Log off completely from any site after you have made an online credit card transaction. If a "log off" feature is not provided, shut down your browser to prevent unauthorized access to your personal data. If someone's asking you to buy… • Unless you initiated the contact, never give out confidential information (such as account numbers, Social Security number, or mother's maiden name) to anyone. • Be cautious when you receive offers to buy over the telephone, by mail, or on the Internet. Be especially careful about deals that sound too good to be true. Some of these offers may be illegal scams designed to cheat you. Don't respond to calls or emails requesting your account information to "award a prize" or "verify a statement." • Beware of high-pressure sales people, especially if they tell you the sale must be made now. • When in doubt, consult the Better Business Bureau or the U.S. Postal Inspection Service. Home safety • Be wary of strangers you allow into your home. Don't leave sensitive information, credit cards or checkbooks lying around. • Store your new and cancelled checks securely. • Keep your Social Security card in a secure place. • Photocopy your driver's license, credit cards, car registration, Social Security card and other identification, and keep the copies in a safe place. • Shred unnecessary financial documents, old bank statements, invoices, and unwanted pre-approved credit offers. If possible, buy a shredder and mix the shredded paper thoroughly before throwing it out. Monitor your financial activity • Review your account statements as soon as you receive them. Notify the financial institution immediately if you notice errors or unauthorized activity. • If your account statement is late in arriving, call your financial institution to find out why. • Consider signing up for online banking. This will allow you to monitor your account activity at any time. • Never tell anyone your online banking password and change it periodically. • Check your credit report for accuracy at least twice a year. If a report lists unfamiliar accounts with large credit lines, you may be a victim of identity theft. Also review the "Inquiries" section of your reports. It tells you who has reviewed your credit history. If a car dealer in another part of the country has pulled your credit report, for example, you may be the victim of identity theft. If you become a victim of identity theft: • Contact your financial institution and credit card issuers immediately and alert them to the situation. • Contact one of the three major credit bureaus and discuss whether you need to place a fraud alert on your file. This will help prevent thieves from opening a new account in your name. • Here is the contact information for each bureau's fraud division: • Equifax 800-525-6285 • Experian 888-397-3742 • TransUnion 800-680-7289 • Report all suspicious contacts to the Federal Trade Commission at www.consumer.gov/idtheft or by calling 1- 877-IDTHEFT. Protect Your Money and Identity (continued) What is "phishing"? • Some criminals send emails directing you to phony Web sites for the purpose of stealing your confidential financial information. The email will probably warn you of a serious problem that requires your immediate attention. It may use phrases such as "Immediate attention required" or "Please contact us immediately about your account. • These emails, called "phishing," usually contain a link that sends you to a counterfeit Web site that is made to look like that of your own bank or that of a merchant. • If you did not initiate the communication, don't respond. If you provide the requested information, you're likely to find yourself the victim of identity theft. • Notify the financial institution yourself if you believe the source of the email was not legitimate. What is "skimming"? • Skimming is a form of financial fraud where criminals copy the magnetic stripe encoding from your credit card using a hand-held device called a skimmer, which resembles an ATM keyboard. Each skimmer can hold data from hundreds of different credit cards. • Once your credit card has been swiped through the device, the thief has the information needed to make a counterfeit card. • Thieves often sell the data to other people. The data can be downloaded into a computer and emailed anywhere around the world and is used to make counterfeit credit cards. • Restaurants are a common location for skimming. The skimmers can be used out of your sight when your server takes your credit card to pay for your meal. To avoid skimming, try to either watch the server process your transaction or take your credit card to the cashier yourself. Also, monitor your credit card statements carefully and report any unauthorized activity immediately
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Date: 1915 ca.
Description: Winter scene from Egg Harbor Road (Highway 42) in Fish Creek looking north toward frozen Fish Creek Harbor with the bluffs in Peninsula State Park beyond....
Description: The third grade class at Hillside Home School, an early progressive school operated by Ellen and Jane Lloyd Jones, aunts of Frank Lloyd Wright.
Description: Exterior view of Sherman House from the east.
Date: 1903 ca.
Description: Several buildings in the complex of the F.G. and C.A. Stanley Manufacturing Plant. The largest building is labeled "F.G. and C.A. Stanley." A smaller build...
Date: 1976
Description: "The Theresa Lions Club has installation of officers at the American Legion Hall."
Date: 1896 ca.
Description: Mrs. D.W. Osborn sits on a loveseat in a Victorian-era home. She sits in her wedding dress with a bouquet of flowers on her lap.
Date: 1878 ca.
Description: The Reverend Peter Andreas Rasmussen (1829-1898) on the right, his wife Ragnhild Holland Rasmussen on the left and some visiting gentlemen, no doubt Luther...
Date: 1935 ca.
Description: View up hill of a man sitting on a horse in front of cabin with a log foundation. Two other unsaddled horses are also in the yard along with two dogs. Ther...
Date: 1919 ca.
Description: Students raise their arms as an instructor discusses the merits of thrift. The instructor is pointing to chalkboard illustrations of a well groomed face a...
Description: Couple on front porch, man in hat, woman in bonnet, with chair on porch and grain of door noticeable; box underneath porch; brick foundation behind porch s...
Date: 1870 ca.
Description: A Yankee-built Greek Revival frame house from the 1840s.
The small dark rectangular plaque above the door is a Madison Mutual Insurance Company sign that...
Date: 1921 before
Description: Four men are sitting on porch stairs and railing posts. The man on the left is wearing a chef jacket and hat, and also an apron.
Date: date unknown
Description: View of corner of a dilapidated building sided with brick patterned shingles, surrounded by shrubs and weeds. The roof of the porch has a hole in the front...
Description: Full-length studio portrait of a man sitting in a chair with his legs crossed in front of a painted backdrop. He is wearing a suit with a bow tie.
Date: 1930 ca.
Description: A view of "The Cove," featuring a large building and people along the rocky coast.
Date: 1950-04-17
Description: Newlyweds George and Lorna Homes decorate their first apartment at 1028 Erin Street. The couple is shown hanging up a bedsheet to serve as a window curtai...
Date: 1965
Description: Holiday card with a drawing of a vacation home on the front, and a picture of the family in front of their Volkswagen bus on the inside. The family has a C...
Date: 1940
Description: A small crowd gathers for a Winnebago (Ho-Chunk) ceremony under an open air structure, probably in the Wisconsin Dells. Two men in ceremonial dress stand i...
Date: 1860
Description: View of an old cabin, built in 1860, on grounds of the Bedford Springs Hotel. The cabin abuts a shrub-lined dirt road and a pedestrian can be seen in the...
Date: 1925
Description: Furniture movers from the Sam Davis Company load the back of a Model 53 International motor truck with chairs and boxes. The text on the truck reads, "The...
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Dog Portrait in Conté Pastel – Yellow Labrador RookieThursday, April 9th, 2015
This the most recent dog portrait in conté pastel, drawn on yellow/creme Canson Mi-Tientes Touch paper. The drawing is in size 50 x 40cm and the subject here is a yellow Labrador named Rookie. I think this is one of my best conté pastel portraits so far, I really love it… so let's hope the client loves it too.


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Main Street Reunion
The Main Street Reunion Car Show, presented by the Napa Valley Cruisers and the Downtown Napa As...
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Noisy Robots
Woah! That's cheating, sneaking up. Do you have your legs on silent?This is a Sound FX trope relating to any robot, cyborg or Mechanical Lifeform that makes mechanical creaking sounds when they move around. Most Real Life robots tend to make loud snaps and hissing noises due to the hydraulics or compressed air they use for movement and creaking noises mean that somebody has to pick up the oilcan stat unless they fancy replacing components.
— The Tenth Doctor to Cybermen, "The Next Doctor"
Examples:Anime And Manga
- Chachamaru in the Negima!!? second series had robotic noises added to accompany her movements.
- While the Combat Cyborgs in Magical Girl Lyrical Nanoha are normally silent, body parts that have been damaged beyond a certain point will emit mechanical whirring sounds when they move, as shown in the hospital scene after the massive terrorist attack by Jail in StrikerS.
- Dorathy from The Big O makes very smooth mechanical sounds when she moves Depending on the Episode
- Friendship is Witchcraft features in episode 4 a discussion about robots. Episode 5 focuses on one, and her servos could use some maintenance. Not that anyone cares.
- Star Wars is guilty of this, with most civilian droids making odd pneumatic whining sounds whenever they move and military droids that have an inexplicable clanking sound accompany their every step, even while walking on grass.
- Although not technically a robot, the powerloader used by Ripley in Aliens makes satisfying hydraulic whirrs and clomps as it moves around.
- Johnny 5 makes all kinds of noise when he moves around, but it's natural, since he's animatronic.
- In the first The Hitchhikers Guide To The Galaxy book, Marvin deliberately makes clanking and labouring noises whenever he moves.
- The bomb disposal robots in Bomb Patrol Afghanistan are noisier than you would expect of a military gradr machine. Then again, it is designed to be remotely operated an possibly make heroic sacrifices so the humans won't have to get up close and personal with IEDs.
- The Cybermen in Doctor Who. Lampshaded in one episode when they somehow manage to sneak up on the Doctor and he asks them if they've "got their legs on 'silent'".
- In Star Trek, we have Borg drones that make mechanical and electrical noise when moving, or assimilating.
- Robocop in the TV series. When walking he only made stepping thumps, but moving anything else made mechanical noises.
- The robots of Steam Powered Giraffe let out occasional hydraulic hisses and whirrs, particularly when they start up or power down.
- Most of the BIONICLE web animations have this for all the characters, even though they're partly organic and technically not robots. (Including a few who are actually organic beings wearing armour). Averted in the Direct-to-DVD movies, however (save for a handful of instances).
- Most robotic constructs in World of Warcraft are rather clanky. Justified because most of them are hostile or potentially attackable NPCs, and all NPCs have a combat noise. Robots are just noisier than most.
- For a time, having the Lil' Smokey non-combat pet out was a great way to annoy other players due to how noisy the thing was.
- There are creaking/squeaking robot enemies in the video games Banjo-Kazooie and/or Banjo-Tooie.
- The Arachnotrons, Spider Mastermind and the Cyberdemon from Doom make a hell of a noise when they walk around on their metal legs.
- Tekken's Jack-type cyborgs make a satisfying crashing noise when knocked over, although they're quiet when moving.
- The Dwemer Centurions in The Elder Scrolls III: Morrowind produce a distinct metal-on-stone clacking sounds whenever they are near.
- The Dwemer Animunculi of Skyrim clank, click and emit steam as they move.
- Omega makes these only in Sonic 2006.
- The various Robot Mercenaries of Grey Mann's army in Team Fortress 2's Mann Vs. Machine mode clatter, sputter, and clank as they move around. Most obvious in the trailer video but they're still fairly noisy in the game. This is masked somewhat by their tendency to babble constantly.
- In Transformers, you sometimes (different series are different on this, and many things) hear sounds as the robots move. Transformers Animated in particular has fun with it, with high-pitched whirring noises that say 'high tech' for most of them, but the old geezer of a medic, Ratchet, makes much creakier noises.
- Subverted in The Simpsons episode "Lisa's Wedding": we Flash Forward to the far future (2010) and see what we think are a group of robots clanking by, but it's really just several college kids going to The Wizard of Oz auditions in Tin Man costumes.


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Last weekend, six members of EMU's Peace Fellowship traveled to Philadelphia for the third annual Justice Conference.
Joining around four thousand other justice seekers, conference goers had the opportunity to attend five break-out workshops on Friday as part of the pre-conference, then nine large group sessions. Each session had speakers and musicians who engaged the audience with the issues that are impacting Christians today such as poverty, racism, sexism, immigration, and many more.
The Justice Conference was created in 2009 to gather together Christians who wanted a better theology for social justice and to empower others to be actively working in the world on behalf of their faith.
Although there was a strong evangelical emphasis, the conference is not associated with any one denomination. World Relief and Kilns College in Bend, Oregon were the main sponsors of the event, along with many speakers from Eastern University and other justice-oriented groups, such as Sojourners.
Pre-conference workshops were the highlight for many conference goers. With a plethora of choices, different speakers engaged interested attendees on topics such as "Using Twitter for Good," "Welcoming the Stranger-Justice for the Immigrant," and "Mobilizing Your Church to Respond to Global Poverty Through Biblically Based Advocacy."
First-Year Rachel Bowman said that her favorite workshop was a session led by Jodina Hicks entitled "Incarceration: The United States' Response to Urban Poverty."
Bowman reported that "For me, this workshop was inspiring and heart- breaking. Jodina mentioned how the US holds 25 percent of the incarcerated population, yet only 5 percent of the world's population. Those statistics, she offered, exhibit the widespread use of the prison system as a response to a need for justice. The session has made me consider the possibility of going to law school upon graduation in order to work toward prison reform. As I sat and listened to Jodina's stories and statistics, my eyes began to well up with tears. I knew then that I couldn't simply forget about what I had heard; action and justice were calling."
The main conference, held in a large exhibit hall in the Pennsylvania Convention Center, brought in many big-name speakers, such as Shane Claiborne, Civil Rights leader Dr. John Perkins, Pulitzer Prize-winner Sheryl WuDunn, and many others to speak about the reasons and resources to fighting injustice in our world today.
"Justice is a marathon race in which the church needs to be engaged for the long haul," said Gary Haugen, President and CEO of the International Justice Mission, an organization working to secure legal justice for victims of slavery, sexual exploitation, and other forms of violent oppression. "Justice seeking means a return to the God from whom love and justice flow."
Senior Josh Kanagy said that one of his biggest takeaways from the main conference was Shane Claiborne's reminder that activists should not be self-righteous. Claiborne mentioned the ease at which some will criticize someone for using a Styrofoam cup and forget to build a relationship with that person.
"I am guilty of doing this, even here at the conference," confessed Josh. "I feel ahead of the game because Anabaptists are already a lot further than where evangelicals are in terms of peace building. At EMU, we talk a lot about social justice, and it felt that this conference was an introduction to justice to many people. However, it was also exciting to see so many people excited about justice seeking and be- ginning this journey."
The conference came to a close with a panel discussion on poverty and how the church should be engaged to solve this and other justice problems. Overall, the conference brought in a different perspective than the Mennonite perspective in terms of how Christians could be doing justice work and was a learning opportunity for all involved.
Senior Krista Nyce said that "it was really great to take a look at justice through another perspective and be able to apply that to what I am learning here at EMU."
For anyone who would like to hear more, the students who attended the conference will be sharing tonight at 8:30 in Common Grounds.
Julia Schmidt
Categories: News


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Thanks, Marcy! We were in Cooperstown a few weeks ago for my son's baseball tournament and we had our team party here. There was another team party in the back going on at the same time as our party and you didn't even know they were here. Our party was in the front of the barn, it was a rainy evening so we were indoors but it didn't stop our kids from playing laser tag. There was so much to do for every age and we had kids ranging from 4-16 at our party. In addition to playing laser tag, they played pool, air hockey, arcade, painting rocks, etc... Parents loved it as well as they got to socialize, enjoy a cocktail or two. Yes, you can bring in your own alcohol too! Everyone also raved about the pulled pork sandwiches and burgers! Thanks,Chris for the great grilling!!
It was a wonderful evening (very reasonable) and we are still talking about Cooperstown and the Barnyard Swing was definitely an added bonus. If you have kids in your team party, this is the place where you need to celebrate at! It's very convenient just around the corner from Dreamspark!
Thanks again!!!
Denise Z
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Chuckles And Mr Squeezy (2011)
|Artist: Dredg
Learn more about Chuckles And Mr Squeezy:
Format: CD
Manufacturer: EMI Distributed Label/emi
Sku: 220709297
Release Date: 5/3/2011
See more in Pop
Song Listing
Disc 1
Song Title
1. Another Tribe ~ Dredg
2. Upon Returning ~ Dredg
3. Tent, The ~ Dredg
4. Somebody is Laughing ~ Dredg
5. Down Without a Fight ~ Dredg
6. Ornament, The ~ Dredg
7. Thought of Losing You, The ~ Dredg
8. Kalathat ~ Dredg
9. Sun Goes Down ~ Dredg
10. Where I'll End Up ~ Dredg
11. Before It Began ~ Dredg
Album Notes and Credits
Notes & Personnel Info
|Personnel: Tim Carter (guitar, keyboards, percussion); Dave Choe (percussion); Dan the Automator (programming).
|Audio Mixer: Dan the Automator.
|Recording information: Studio Choe, Los Angeles, CA; Studio Trilogy.
|Photographer: Beau Roulette.
|Arranger: Dan the Automator.
|Reinventing themselves with a smoothed-out, electronic-heavy sound, Dredg team up with producer Dan the Automator for their fifth album, Chuckles and Mr. Squeezy. Following the trend from some of their earlier albums, Dredg continue to rework their sound, relying less on live instrumentation to go for a more production-focused sound. While this collaboration certainly ups the slickness of their sound, it doesn't feel like it plays to the strong suits of either Dredg or Dan the Automator, moving the band far enough away from its old sound to make things feel different, but not quite far enough to let the producer really explore and push the sound into new territories. Despite this, Chuckles and Mr. Squeezy does find the band continuing to evolve quite a bit given the short break between albums, giving Dredg fans something to sink their teeth into without the customary three- to four-year gaps that they've become accustomed to. ~ Gregory Heaney
Producer: Dan The Automator
Engineer: Justin Leiberman; Dan The Automator
Technical Info
|Release Date : 05/03/2011
|Original Release Date : 2011
|Catalog ID : 0553-2
|Label : Superball Music
|Number of Discs : 1
|Studio/Live : Studio
|SPAR Code : n/a
Professional Reviews
Alternative Press (p.109)
- 3 stars out of 5 -- "'The Thought Of Losing You' mixes guitar and whooshing synth for an ultra-smooth ride."
- 3 stars out of 5 -- "'The Thought Of Losing You' mixes guitar and whooshing synth for an ultra-smooth ride."


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Oh, I wanted to be a magician. I memorized a biography of Houdini and mailed off to Johnson, Smith and Company for boxes that made coins disappear, trick card decks, and wands that contained weights to make tassels rise and fall. I ordered the neighborhood kids into the basement and staged a laborious performance by the Great Ebertini. Tassels rose and coins disappeared, but the cards needed more work.
A lot more work, I learn in "Make Believe." This is a charming documentary about the finalists in the Teenage Magician Contest at the annual World Magic Seminar in Las Vegas. From Malibu, Chicago, Colorado, Japan and South Africa they come, dreaming of being presented with first place by the great Lance Burton. The documentary visits their homes, gets their stories, talks to their friends and parents, and follows them backstage in Vegas.
But mostly it watches them practice, over and over and over. Hiroki Hara, who lives in Kitayama, Japan, uses the village hall and rehearses relentlessly all day, every day, mentioning that he grows lonely there all by himself, but his goal makes it worthwhile. The others practice, too, and one sheds a few tears when two coaches tell him he's not ready for the finals. He rehearses some more, and on the big day, he is ready and then some.
Not a single rabbit is pulled from a hat. Most of the trucks are small scale: locking rings, disappearing scarves or card production. A deck of cards in their hands seems to have a life of its own. One kid turns cards into iPhones while the cards fanned between his fingers. We see him in his basement, building the props.
Hara is the most inventive. He appears as a ghost monster with flashing green eyes and presents an elegantly choreographed act. Siphiwe Fangase and Nkumbuzo Nkonyana, from a township in Cape Town, are the most entertaining, with their act based on music, dance and magic soccer balls in honor of the World Cup held in South Africa.
For one contestant, everything goes wrong. A ball drops during a ball production trick, and a trap in a hat doesn't work. It's not the magician's fault; both tricks always work. It's one of those days. The other contestants, backstage, discuss this with a kind of dread, knowing that no matter how often they practice, the same thing could happen to them.
One question not really addressed by the movie is whether these kids are wise to skip classes and put social life and college on hold to focus singlemindedly on magic. Apparently they all think they'll find professional careers, maybe not in Vegas, but at conventions and so forth. I hope so.
One thing we don't find out is how any of the tricks are done. The secrets in some cases (the steel rings, the vanishing scarves) are pretty widely known. In card manipulation, most of the people in the audience know in theory exactly how it's done, but are connoisseurs in judging how well they are performed. Magicians have a saying: "The trick is told when the trick is sold. " These kids are sold on tricks.
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Time to get paid
Black and ugly as ever lol
Everything New York's been missing. (2)
Three icons, sadly lost
this should be the top picture
New York, New York!
Time to blow up like the world trade.
Everything New York's been missing.
obviously shopped
dope !
I'd love to see this at the top someday
All 3 gone....
IMHO, two symbols of our current oppression. The first the voice of generation silenced. The second's destruction ushered in a new era of violence, oppression, and tyranny. And we yet to have come to a conclusion to exactly who was responsible for either....
Needless to say, I really like this pic.


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Handmade Craft Ideas from 2010: A Year of Free Crafts
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Plastic Water Bottle Pendant and Necklace Video
By: Heidi Borchers
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You'll love this Youtube craft tutorial. Watch this Plastic Water Bottle Pendant and Necklace Video from Heidi Borchers and learn new tips and tricks!
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