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- Filed Under
Got out an old study of school climate that my good and faithful research team conducted a fistful of years back. Why is a good learning environment so important? When students feel safe, enjoy being where they are and are happy, they tend to return more often, they tend to behave and they tend to learn.
The overall climate of a school begins in the classroom. My research team discovered that classrooms could be new, old, high tech, low tech, large, small, near the principals office or far away. It didnt matter. What mattered was (and is) the teacher. The teachers attitude toward students (in research lingo) accounted for most of the variance in students perceptions of safety, enjoyment and happiness.
Happiness might be the most overlooked variable of all. To be happy at school, we found students had to feel as if they were a valued member of the class. We found students had to be successful at something they believed was of value.
Elementary schoolchildren are sometimes made to feel happy when they please their teacher, but helping them understand that happiness is not approval is a difficult construct to comprehend. Recognizing young children for random acts of kindness or subtle successes is different from giving them rewards for doing what is expected.
Young adolescents in the middle grades and teenagers in high schools tend to respond to the same unexpected, unsolicited stimuli. That is, randomly and intermittently letting secondary students know they are valued and respected sans rewards for attaining something seems to produce happier charges. We also found that secondary school students like a good joke now and then. They like to laugh, and laughing sometimes elicits positive outcomes.
Many would say the principles mentioned above are simply common sense and can be applied to just about any environmental situation. I would agree. For some reason in education, however, we are expected to collect data in support of our theories, beliefs, actions and deeds.
So, the next time you observe students at any grade level smiling, having fun or even laughing, dont automatically think they are not learning. They might be on the verge of discovery. They might be thinking concretely that happiness is a warm puppy (Peanuts, 1962) or more abstractly that it is finding ones true meaning of life learning for the sake of helping others, or more directly family, faith, and ducks; happy, happy, happy (Phil Robertson, Duck Dynasty, 2013).
David L. Hough, Ph.D., is Professor and Interim Dean, College of Education, Missouri State University. You may contact him via email at firstname.lastname@example.com Views expressed in this column are solely those of Dr. Hough and do not necessarily represent Missouri State University positions.


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Mickey Haller has fallen on tough times. He expands his business into foreclosure defense, only to see one of his clients accused of killing the banker she blames for trying to take away her home.
Mickey puts his team into high gear to exonerate Lisa Trammel, even though the evidence and his own suspicions tell him his client is guilty. Soon after he learns that the victim had black market dealings of his own, Haller is assaulted, too - and he's certain he's on the right trail.
Despite the danger and uncertainty, Haller mounts the best defense of his career in a trial where the last surprise comes after the verdict is in. Connelly proves again why he "may very well be the best novelist working in the United States today" (San Francisco Chronicle).
©2011 Michael Connelly (P)2011 Hachette Audio
"Compelling and difficult to put down"
I don't like courtroom/lawyer stories as a rule, but there is something about Connelly that keeps you wanting more. So many people told me this was a 5 star book that I had to try it and am Glad I Did. There is something about his writing that won't let you go once you get started. If I had known that this was courtroom oriented I probably would have passed and missed a great book. The narration and story fit perfectly. The mix of Haller's personal and professional life was a really good mix and done beautifully. Don't miss this one.
"You can't put this one down"
Michael Connelly is one of the best mystery writers today. He not only can tell a story but he gives you characters you want to return to again and again. Harry Bosch is as good a detective as you can find. Cassie West almost makes you forget about Lisbeth Salander. And if you ever need a good lawyer, there is none better than Mickey Haller.
Haller has appeared in four Connelly books but does his best work in The Fifth Witness. The story is fast paced and has enough twists and turns for even the most demanding mystery reader. He give you plenty of characters to cheer and a few to boo. The end is not only satisfying but sets us up for a future Haller adventure. My only regret is that I can't give this book six stars.
Don't know what I want to be when I grow up. Trip's cool though. Use Audible to make gym-training sane... And rip my imagination.
"Just Right!"
Wonderful courtroom drama. Great see-saw both in and out of court as Mickey Heller struggles with mob, murder, and his ex-wife. I cannot wait for the next Lincoln Lawyer novel... although I'm hoping he won't be leaving the criminal defense bar. Peter Giles is pitch perfect. This is the best in the series so far and Connelly worked hard and it showed. Nice to hear the value of your purchase in extensive preparation and research. Also like it that Heller stands on his own here without the aid of his half brother Harry Bosch. I'd recommend though that you start this series at the beginning... it's not essential but each is good and they fit together perfectly.
Tell us about yourself! I LOVE TO READ AND BE IN THE KNOW. I LIKE TO TALK TO INTELLIGENT PEOPLE.
I am an avid eclectic reader.
"The Fifth Witness"
This is Michael Connelly at his best. Peter Giles did a great job with the narration. I could hardly stop listening even went to bed with the IPOD and next thing I know it was morning! Then ending was a surprise and a good set up for his next book. Connelly managed to wind Micky's introspection with his values and problems with his x-wife in and around the main story without making the story lag or get you sidetracked.
"Mickey's Back"
I always enjoy Connelly's books. I was about to say that I use them as palate cleansers between more literary books, but really, they're more like diving into a big bag of chips. Mickey Haller is a terrific hero, and the secondary characters are at least serviceable, but character is not Connelly's long suit. Devising an intricate plot, and showing how it arises out of an equally intricate subset of the culture (in this case, the mortgage foreclosure crisis) is his great strength. You won't find a clearer or more entertaining explanation of credit default swaps, and the hell they raised, anywhere, and he throws in a confounding murder mystery to boot.
"Follow the Story"
Following Haller trying to work towards victory and the facts as they surfaced was more than fun, it was mentally engaging. I found myself formulating the questions I wanted Haller to ask. He didn't always ask them. It really ticked me off, but I imagine that's this is the way it really is. This book kept me captured and wanting to to read more to get the next revelation. If you like good stories, good people, and how it all works you'll enjoy this.
"Grittier--Trickier--Doesn't let you rest"
Okay, let me say I have liked Connelly since his days with the Times. I have liked Harry, was amazed with the Poet, but Haller is so real as an LA criminal attorney I was hooked with the first in the series. Nevertheless, the key to this novel is having a protagonist that you feel a bit uneasy with his ethics (which was not really true with the first two), as well as having a defendant that you really get to distrust to the point of almost disliking. Add to that a contemporary social ill which should have set up the good guy/bad guy dichotomy (and yet never really does in black and white terms). So the imminent reality Connelly sets is kind of like riding the rapids in an inner tube--fun and exciting but never a moment when you can get ignore that next curve.
"A "Driveway" novel"
Few of the 300 books I've listened to on Audible make it to my "driveway" list but this is certainly one of them. My "driveway" list consists of books that 5 stars will not accurately describe how addictive the book really is. "Driveway" books leave me sitting in my car LONG after arriving home from my commute. "One more chapter" usually turns into two, three, and sometimes four additional chapters before I walk into my house. Certainly, in my opinion, this is the best of Connelly's "Haller" novels. The Lincoln
Lawyer was great but this one had a certain courtroom strategy aspect that just kept you wanting more. The ending was one of his best yet and although I can't say much about it without giving too much away, I can say you will
need 30 minutes to just sit and contemplate the entire book after realizing
what just occurred. If you are a Connelly fan, a courtroom drama fan, or just a fan of really good, addictive novels, you will love this read. Highly recommended.
retired writer
"Memorable and then some!"
Honestly, this is one of my least likeable Connelly novel, at least until the very end of the novel where the twist is really an unexpected surprise! Why least likeable? Well, it is mostly because I didn't like that some of the action was a little too predictable (except the ending!). Or maybe it's because I had read/listen to about 11 Connelly novel in a row! Maybe I had overdosed! But I continue to be a Connelly fan. It is memorable mainly because of the ending.
Report Inappropriate Content
If you find this review inappropriate and think it should be removed from our site, let us know. This report will be reviewed by Audible and we will take appropriate action.


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Rust and Bone
|Rust and Bone
|Follow up by the director of 2009's A Prophet, about a man who falls in love with a trainer of killer whales.
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As of Sunday, June 2, 2013
© Copyright 2015 Albany Herald
ATLANTA — The Atlanta Braves are in first place by 6 1/2 games, and both of the Upton brothers are finally hitting. That's bad news for defending National League East champion Washington and the rest of the division.
Justin Upton had three hits and B.J. Upton homered as the Braves beat the Nationals for the seventh time in 10 games, winning 6-3 on Sunday to take two of the three games in the weekend series at Turner Field.
"It was a big game for the brothers," Braves manager Fredi Gonzalez said.
Justin, acquired in a trade with Arizona, started the season hot for the Braves, setting a team record with 12 homers in April. But older brother B.J. was in a two-month slump until delivering a game-winning single in the 10th inning on Saturday night.
The center fielder followed up that two-hit game with a second-inning homer in the series finale, and Justin reached base his first four times up on three singles and an intentional walk as the Braves improved to 34-22.
"It was a big game for the team, not just the Uptons," B.J. said. "That's a tough team and you want to win every game you can against them."
The loss dropped Washington under .500 at 28-29, and the Nationals, who had to put Bryce Harper on the disabled list Saturday, have won just three of their past nine games. But they should get fellow outfielder Jayson Werth back from the disabled list before their next game.
"It's just a matter of time until we get our pieces back and get going," Ian Desmond said. "This is by no means a sprint. We're here for the long haul. I will get better."
Paul Maholm (7-4) got the victory for Atlanta, allowing five hits and two earned runs in six innings while recording his third quality start against the Nationals in as many games this season. He struck out four and hit a batter, throwing 92 pitches.
Anthony Varvaro and Luis Avilan each pitched a perfect inning in relief of Maholm, and closer Craig Kimbrel did the same in the ninth while recording his 17th save.
The Braves led 2-0 after two batters against Nathan Karns, who was making his second major league start.
Third baseman Ryan Zimmerman threw away Andrelton Simmons' leadoff grounder, and Ramiro Pena deposited a first-pitch fastball into the right-field seats for his third homer of the season and second against the Nationals.
Pena, in the lineup at third base, came in 6-for-14 against Washington this season and was 9-for-19 in his past five starts dating to the middle of May.
The Nationals tied it the second, with one of their runs being unearned as well. Adam LaRoche doubled leading off, and Desmond followed with a bunt single. Tyler Moore drove in a run with a single, and a second run scored when Maholm dropped a throw at first base on what should have been the third out.
But B.J. Upton made sure the game would be tied only briefly. With one out in the bottom of the second, he picked on a 1-0 fastball from Karns and sent a no-doubter into the left-field seats. It was just his second homer since April 23 and fifth of the season.
Karns (0-1) also allowed two solo homers in his major league debut against Baltimore on Tuesday. But those were the only runs the right-hander allowed in 4 1/3 innings against the Orioles.
"I felt more comfortable, but I wanted to get a 'W' for these guys," Karns said. "These are good hitters. They're making it difficult for me. I want to make it difficult for them."
Karns was pulled after 4 2/3 innings this time, and left-hander Zach Duke gave up a run-scoring single to Brian McCann, the first batter he faced. Karns gave up seven hits, struck out six and walked one.
The Nationals got the run back in the sixth as Desmond pounced on a 2-2 pitch and lined his seventh homer of the season into the left-field stands. The blow extended Washington's streak to 75 consecutive series with at least one home run.
But the Braves padded their lead in the sixth. Duke walked two, one intentionally, and Freddie Freeman delivered a two-run double that just missed being a grand slam. The umpires went to video review, but replays confirmed that the ball hit the top of the left-field fence and bounced back into play.
"Hopefully the next time we play them we have a bigger lead," said Freeman, who went 2-for-4 to raise his average to .314.
NOTES: Nationals RHP Stephen Strasburg has a mild strain of the lat muscle, not his oblique as first thought, and the team will wait to see if a trip to the disabled list is needed. He had to leave Friday's game after two innings. … Braves RF Jason Heyward, hitless in his past 19 at-bats, was out of the lineup Sunday for the second time in four games. He struck out all three times up on Saturday and is batting .142. … The Braves conclude their eight-game homestand with three games against the Pirates beginning Monday night. RHP Kris Medlen (1-6, 3.48) will start for the Braves against RHP A.J. Burnett (3-5, 2.72 ERA). Medlen was hit by a liner on his upper left calf Wednesday and had to leave his start against the Blue Jays after two innings. … The Nationals are off Monday before beginning a three-game home series with the Mets on Tuesday night.
More like this story
- Braves win third straight, beat Reds behind two Simmons homers ( May 6, 2013 )
- Justin Upton guides Braves to 6-4 victory ( July 10, 2013 )
- BRAVES NOTEBOOK: Braves send Maholm out next ( April 2, 2013 )
- PREVIEW: Braves, Nats ready to clash in first series ( April 11, 2013 )
- Braves smack two homers in bottom of 9th to beat Cubs ( April 6, 2013 )


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Coventry City administrator Paul Appleton announces four bids
Coventry City administrator Paul Appleton has announced that four bids have been made for the League One club.
Following Thursday's 12:00 BST deadline for final and best offers for Coventry City FC Limited, Appleton said: "I can confirm I have received four bids.
"I will obviously now take time to consider these bids before contacting the bidders with my final decision on a preferred purchaser.
"As part of this process, there will be discussions with the Football League."
Coventry City at the Ricoh Arena
- The Ricoh Arena has been the Sky Blues' base since 2005 when they left Highfield Road, their home for the previous 106 years.
- Arena Coventry Ltd manage the Ricoh Arena on behalf of the stadium's joint-owners.
- Coventry City Council owns a share of the 32,000-capacity ground, along with the Alan Edward Higgs Charity.
It had been reported there could be as many as six potential bidders for the Sky Blues, but the only ones known are from a consortium headed by US tycoon Preston Haskell IV and another involving the club's current owners, Sisu.
Appleton is keen to have any deal finalised before the fixture list for the new season is released on 19 June.
City, who have been in administration since a High Court hearing in March, have been in a rent dispute with their stadium landlords, Arena Coventry Ltd, for more than a year but on Tuesday were offered the Ricoh Arena "free of any rental fee" for next season.
Sky Blues chief executive Tim Fisher revealed last Friday that the club are in talks with three fellow league clubs, all within a 30-mile radius of Coventry, about a potential groundshare deal, while they press on with plans to build a new stadium in the city.


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By Michael Odeng
A rival faction of the Conservative Party (CP) has withdrawn a civil suit filed against party president, John Ken Lukyamuzi in which they challenged his mandate.
On Wednesday, when the parties to the case convened at the civil division high court presided over by Justice Lydia Mugambe, the rival faction lawyer Humphrey Tumwesigye informed court of the decision to withdraw.
"My lord I have received directives from the rivals to withdraw the case," Tumwesigye said in a fully packed court room.
The lawyer submitted the withdrawal letter to the high court judge for record purposes.
This prompted Mugambe to drop charges against Lukyamuzi.
A rival faction of five people led by city lawyer Daniel Walyemera had sued Lukyamuzi seeking a court order to permanently restrain him from representing or acting on behalf of the party. The case was filed in 2010.
The others are Ali Mubiru (legal advisor), Fredrick Guweddeko (policy analyst), Wasib Magira (vice president), and Fredrick Lubowa (vice chairperson).
Mayanja Nkangi to mediate in CP wrangles
Lukyamuzi withdraws case against CP rivals
Court okays CP delegates conference
CP's Lukyamuzi sacks 'rebel' party members
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A tribunal has cited free speech in dismissing a complaint that broadcaster John Laws vilified homosexuals.
A Melbourne sceptic has lodged a complaint with Consumer Affairs he hopes will force American psychic John Edward to prove claims he.
Make sure you clearly state the reasons for your complaint (attach documents if.
If you wish to make a complaint about our services.
President George Bush's campaign described the complaint as frivolous and said there was no evidence to support it.


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Reaching global consumers – especially through technological innovation – is high on the agenda for both retail and consumer goods CEOs. That's why these CEOs are not worried about the speed of technological change. On the contrary: they embrace it as a golden opportunity to find new customers.
Technology has the potential to transform retail and consumer businesses
80% of retail CEOs ranked "technological advances" as one of the global trends that will transform their businesses most over the next five years. 67% of consumer goods CEOs also ranked "technological advances" in their top three. On the other side of the coin, just 34% of consumer goods CEOs and 38% of retail CEOs see the speed of technological change as a concern, compared to 47% of CEOs overall. Even potential cyber threats don't seem to be causing these CEOs to stay up nights: Just 35% of consumer goods CEOs and 41% of retail CEOs are concerned that cyber threats could be a threat to growth, compared to 48% of CEOs overall.
Why is this? Perhaps because technology has the power to put more products into the hands of consumers. Take online shopping. This year's PwC Total Retail survey research shows that 41% of global shoppers bought products through tablets, compared to 28% in 2012 and 43% purchased products through smartphones, compared to 30% in 2012. That's tech-savvy customers using technology to improve their buying experience.
Into Africa
Africa has some of the fastest growing economies in the world, and consumer goods CEOs in particular have taken notice. 18% of those planning a merger or acquisition, joint venture or strategic alliance are looking to Africa, while 12% of retail CEOs are, compared to 8% of the rest of the CEOs.
Reaching consumers is one thing – understanding their shopping habits is another
91% of retail CEOs said they were "concerned" about shifts in consumer behavior, with 28% saying they were "extremely concerned." One potential shift: Are consumers shopping with fewer retailers? When we asked our Total Retail shoppers to tell us how many retailers in a given group they'd shopped with in the last 12 months, 15% of our global sample responded that they had shopped with just one, an increase of 7% from 2012. That same trend held in the "2 to 5" favorite retailer range, which increased to 43% from 35%.
Consumer goods CEOs and retail CEOs see the same economic policy threats
Retail and consumer CEOs tend to see economic threats the same way. They agree on their top four economic policy threats to growth: a growing tax burden, fiscal responses to debt and deficits, over-regulation and exchange rate volatility.
When it comes to business threats, high, volatile raw materials prices stand out as a top concern
High, volatile raw materials prices round out the top five concerns for both retail and consumer goods CEOs. Most believe that they'll need to make some changes to the supply chain in response to transformative global trends. Retail and consumer goods CEOs are ahead of the curve – 32% of retailer and 34% of consumer goods companies already have a change programme underway or completed, compared to 24% of the overall sample. And more consumer goods CEOs believe their procurement and sourcing departments are well prepared to make the changes (45% vs 33% of CEOs overall and 40% of retail CEOs)
91%of retail CEOs are concerned about shifts in consumer behaviors.
74%of consumer goods CEOs are concerned about high, volatile raw materials prices.
Muhtar Kent
Chairman and Chief Executive Officer, The Coca-Cola Company
Chen Long
Chairman, China Resources Enterprise, Limited.
Alison Watkins
CEO, GrainCorp
Shigetaka Komori
Chairman and Chief Executive Officer, FUJIFILM Holdings Corporation
Chen Long
Chairman, China Resources Enterprise, Limited.


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Museum Square
The Museumplein is located literally on the doorstep of Hotel Aalders. This square was named following the opening of the Rijksmuseum in 1885. The...Read more »
Carré Royal Theatre
Carré Royal Theatre was opened in 1887 by circus director Oscar Carré. Initially only the circus acts of the Carré circus too...Read more »
Anne Frankhuis [Anne Frank House]
In the Netherlands Anne Frank is one of the most famous victims from the Second World War. The Jewish girl of German descent became famous thanks ...Read more »
Artis Zoo
The oldest and most famous zoo in the Netherlands is without a doubt the Artis in Amsterdam. Officially the zoo is called 'Natura Artis Magi...Read more »
Amsterdam Historical Museum
From 2011 the Amsterdam Historical Museum is known as the Amsterdam Museum. This museum in Amsterdam shows the present and past of the large...Read more »
The Rijksmusem is one of the museums situated in the Museumplein in Amsterdam. The famous square even owes its name to the Museum, which opened it...Read more »
The elongated Vondelpark is situated between the Stadhouderskade and the Amstelveenseweg. This most famous and most frequently visited park in Ams...Read more »
Amsterdam Arena
From 1996 Amsterdam has a multi-functional stadium, the Amsterdam Arena. The Ajax football club plays all it home games in the stadium, the Dutch ...Read more »
Hermitage Amsterdam
Hermitage Amsterdam forms a part of the Hermitage in Russia, Sint-Petersburg. Since 2004 it has been a small museum in the Amstel and starti...Read more »
Van Gogh Museum
The Van Gogh Museum in the Paulus Potterstraat and the Museumplein is a Museum dedicated to the Netherlands' most famous painter, Vincent va...Read more »
Heineken Experience
The Heineken Experience is not set-up as a museum, but an interactive experience. In the former Heineken brewery in Amsterdam the visitor is given...Read more »
Stedelijk Museum
For Classic modern and contemporary art you have to pay a visit to the Stedelijk Museum in Amsterdam. This museum was established in 1874 and relo...Read more »
P.C. Hooftstraat
The P.C. Hoofstraat is the most expensive and most elegant shopping street in Amsterdam. Around the corner of Hotel Aalders in the Jan Luijkenstra...Read more »
Leidse Square
The Leidseplein is a square in the centre of Amsterdam that it is known for its lively nightlife. Terraces, theatres and numerous restaurants char...Read more »
Rembrandt Square
The Rembrandtplein is one of the most famous squares in Amsterdam and named after the painter Rembrandt van Rijn. The many terraces and other rest...Read more »
Amsterdam RAI
Amsterdam RAI is an exhibition centre in Amsterdam where many large and thousands of smaller conferences, events and meetings are held annually. ...Read more »


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Yuen Lui Studio, a family-owned photography business specializing in individual and family portraits and wedding photography, creates visual heirlooms in a tradition of quality it has upheld since 1947. With several area studios available, each boasts a multitude of backdrop options for portraiture sessions, or photographers may take sessions outdoors to add natural scenery to the frame. Wedding and engagement shots come to life under the careful eyes of each photographer as they seize rare moments and trap them in frames to be displayed like trophies from a hunt. High-school, child, baby, and family portraits keep precious memories locked in time for clients, who can peruse an online gallery of their images after their session.
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text:
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Systemic sclerosis sera affect fibrillin-1 deposition by dermal blood microvascular endothelial cells: therapeutic implications of cyclophosphamide
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Arthritis Research & Therapy 2013, 15:R90 doi:10.1186/ar4270
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Bessemer Venture's Big IPO Year
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If a venture capital firm's job is to grow companies until they are fit to be public, Bessemer Venture Partners has been one of the year's best.
But Bessemer doesn't consider an IPO alone a job well done.
Bessemer, based in Larchmont, N.Y. far from the VC stars of Sand Hill Road in Silicon Valley, has had five companies it backed go public this year. That's enough to rank it No. 3 among U.S. venture capitalists, behind Sequoia Capital and New Enterprise Associates Inc., according to the National Venture Capital Association. Bessemer also sold seven other companies.
Thursday marked another victory for Bessemer — and a rare double — when Oracle purchased Eloqua Inc. for $810 million. The deal, which made Bessemer's $15.5 million investment worth $121.3 million, shows the benefits Bessemer can get from holding onto its stakes, even after IPOs.
Subscriber Content Read Preview
The M&A world will not get to see if shareholders are frightened enough by potential tax changes to take a lower buyout this year rather than a higher one next year.
Chemicals company Innospec says it has canceled its plan to make a bid for fellow chemical-maker TPC Group Inc. That ends a potential bidding war that may have come down to a vote on tax math.
Innospec said in a release today that it still felt the two would make a great combination, but decided it couldn't make the bid any richer.
"We have spent a great deal of time and effort studying the TPC business, and, while we still feel that it is a good fit with Innospec, we are unable to conclude a deal structure in a manner where we are totally satisfied with the value creation for our shareholders," CEO Patrick Williams said. "Our acquisition strategy has always been focused on delivering shareholder value, and we continue to pursue other opportunities which we hope will come to fruition in the coming months. "
Matt Turner, of Financial News, reports:
Glencore International formally announced its London-Hong Kong IPO to raise as much as $12.1 billion if an overallotment option is exercised. The Swiss commodities concern also detailed the syndicate of nine banks that will handle the deal, including three of its lending banks and a fast-growing London boutique.
Glencore said the syndicate includes joint bookrunners Bank of America Merrill Lynch and BNP Paribas, and co-bookrunners Barclays Capital, Société Générale and UBS. Liberum Capital, a U.K. boutique investment bank, also was named to the syndicate, though it wasn't given a formal title. BNP Paribas and BarCap have both acted as lead arrangers on more than 40 syndicated loans for the commodities trader since 2000; Societe Generale has worked on 37.
The three global coordinators already were known: Citigroup, Credit Suisse Group and Morgan Stanley.
All told, the mandates could earn the syndicate about $300 million to be split among them. Glencore said other syndicate members may be appointed in due course.
Assuming Glencore raises $10 billion and deal credit is split evenly between the three global coordinators and the two joint bookrunners, Citigroup, for instance, would almost double its current deal volume of $2.4 billion, potentially lifting the U.S. investment bank into the top five in the rankings of European equity capital markets bookrunners from eighth now.
The Citigroup team is led by three bankers, David Wormsley, Michael Lavelle and Tom Reid. Credit Suisse's efforts will be headed by Thomas Gottstein, Mark Echlin and Simon Cowley, while Morgan Stanley's team includes Michel Antakly, Emmanuel Gueroult and Alastair Cochran. Here are short profiles of the bankers…..
Kit Chellel, of Financial News, reports:
Credit Suisse's best-paid banker for 2010 was Brazilian emerging-markets expert Antonio Quintella, head of Americas and chief executive for Brazil whose compensation amounted to 15.6 million Swiss francs, or $17.2 million.
By comparison, Brady Dougan, who has been chief executive since 2007, earned just 12.8 million francs, according to the bank's annual report, down from 19.2 million francs in 2009, when he also received an additional 70 million-franc windfall from a 2004 pay plan.
Quintella's pay includes a salary of 800,000 francs and a cash-and-shares bonus valued at 13.9 million francs, all of which is deferred, the report said. The compensation reflects his performance as Brazil chief executive and his new role as head of the Americas.
According to Dealogic data, Credit Suisse's investment-banking performance in Brazil has been mixed in recent years. While it has increased its share of equity capital markets revenue there to nearly a quarter (No. 2 in the rankings) from 8.7% when Quintella took over in 2003, the M&A and debt capital markets teams have lost ground to such rivals as Itau Unibanco and Santander, Dealogic rankings show. The Brazil office does have a strong wealth-management franchise from the acquisition of Hedging-Griffo, a leading local firm, in 2006, which Quintella oversaw.
In 2010, revenue at the Swiss bank's Americas operations fell to 11.6 billion francs from 12.8 billion francs, according to Credit Suisse's annual report, while pretax profit for the region fell 12% to $3.8 billion.
When Quintella was appointed Americas chief in July last year, Dougan described him as a "proven leader" as the bank developed its focus on growth markets.
Quintella's rise to prominence has been swift…..
Shanny Basar, of Financial News, reports:
Mexico's Carlos Slim Helu is the world's richest man, according to the latest Forbes magazine list of the richest people on the planet. And the WSJ's Wealth Report blogged about how China, Russia, India and Brazil are eating into the U.S.'s lead in supplying billionaires to the world.
But how does the world of finance stack up? Well, among the record 1,210 billionaires on the 2011 roster are at least 10 hedge-fund managers and 10 private-equity titans.
The list of those from the world of finance starts with super-investor Warren Buffett of Berkshire Hathaway, at No. 3 on the list as his fortune increased by $3 billion last year to reach $50 billion. Other notable finance names on the list include:
The Oracle of Omaha "has loaded his 'elephant gun' and says he is 'itchy' to make some big-game acquisitions," as Dennis Berman wrote Tuesday.
The Buffett shareholder letter declaring his interest in making some big acquisitions was only released on Saturday and already he is talking about the one that got away. Here is a snippet from his appearance on CNBC this morning, according to a transcript:
BUFFETT: We had an iron in the fire that got taken out of the fire just a day or two ago, which did–a deal that did not–somebody else beat us out on it…..
BECKY QUICK: Was this thing that you just talked about, the–this deal that was potentially there, was it a–an elephant?
BUFFETT: It was a–it was a–hm, maybe a zebra, you know. Sort of–I mean, it was big enough to fit a–to make the zoo more interesting, but it–but it wasn't one to cause, you know, new crowds to come out.
BECKY: OK. So it's not as big as Burlington Northern.
BUFFETT: No, no.
BECKY: But it was something that was substantial.
BUFFETT: It was something that caused my heart to beat faster.
Of course, today comes word that Pennsylvania's PPL will buy the U.K.'s second largest electricity distributor from E.ON for $5.6 billion in cash plus assumed debt, as the WSJ reported it. The Journal went on to say that suitors for that U.K. business included Cheung Kong Infrastructure Holdings…..
Despite the criticism surrounding the $3 billion buyout of J. Crew, shareholders overwhelmingly voted in favor of the deal on Tuesday.
Investors holding more than 41 million shares voted in favor of the deal, while those holding 13.2 million shares disapproved.
The prospect of losing money trumped concerns that J. Crew CEO Mickey Drexler had too cozy of a relationship with J. Crew buyers TPG and Leonard Green. He was in talks with the private-equity firms for seven weeks before he notified the company's board.
In the end, the hard truth prevailed: The TPG deal was probably the best one shareholders could get given the circumstances.
Here are the winners and losers in the J. Crew deal…..
Paul Hodkinson, of Financial News at the SuperReturn conference in Berlin, reports:
Carlyle Group co-founder David Rubenstein has said that ignoring the twin needs for greater transparency and strong investor relations, as well as the possibility of another financial crisis, are among the greatest risks for the private-equity industry in 2011.
Speaking to a packed room of delegates at this year's SuperReturn conference in Berlin, he highlighted the known positive and negative issues affecting private equity as well as the uncertainties facing the industry.
Below is Rubenstein's list of his "known knowns" and "known unknowns" and the greatest risks affecting the PE industry….
Joe Flom died last week. You may not have heard of him, unless you happen to be a lawyer or deal with large corporate law firms like the one he built: Skadden, Arps, Slate, Meagher & Flom LLP. But if you are a lawyer, he likely changed the way you practice law. And for those who rely on law firms to give advice to their companies, the expectations of the lawyer you hire changed drastically in the second half of the 20th Century as a direct result of Joe.
I spent 32 years at Skadden, joining the firm about half way through Joe's legal career. I rarely worked directly for him and I didn't have a close personal relationship with Joe. I had never even heard of him when I decided to go to law school or even when I interviewed for a job at Skadden in 1976. However, outside of my own family, there is probably no individual who had a greater effect on my life than Joe. A number of tributes have already been written to Joe and Malcolm Gladwell's book "Outliers" describes the background of his extraordinary career, but I thought I might try to relate Joe's impact on me.
Changing the Practice of Law.
Joe changed the way that lawyers practiced law. When he began practicing law in 1948, large law firms were insular, clubby places. He couldn't get a job at a major firm because he was Jewish. So he went to a small firm which was just starting up. And, before long, he dominated not only that firm, but he made the practice of law about being competitive in the delivery of the best possible service to clients…..
Warren Buffett has now issued his annual letter to shareholders. Now it is the shareholders' turn. Here are some reactions from shareholders on Buffett's letter. Deal Journal will update as more come in:
Steven Kiel, President of Arquitos Capital Management
Last year's letter welcomed all of the new [Burlington Northern Santa Fe] shareholders and was geared a bit more to first-time readers. This year I thought was a return to a more typical Berkshire letter focused on long-time shareholders.
The most interesting aspect for me was that Buffett was bragging about capital spending. For ardent Buffett followers, this was probably a bit of a shock since throughout Berkshire's early days, high capital spending, specifically in the textile holdings, significantly decreased Berkshire's returns.
Deal Journal is an up-to-the-minute take on the deals and deal makers that shape the landscape of Wall Street, including mergers and acquisitions, capital-raising, private equity and bankruptcy. In short, wherever money changes hands. Deal Journal is updated throughout each trading day with exclusive commentary, analysis, data, news flashes and profiles. The Wall Street Journal's David Benoit is the lead writer, with contributions from other Journal reporters and editors. Send news items, comments and questions to firstname.lastname@example.com.
In Asia, Deal Journal writers include Isabella Steger in Hong Kong and Gillian Tan in Sydney. They can be reached at firstname.lastname@example.com and firstname.lastname@example.com
Dealpolitik is Ronald Barusch's strategic look at deals currently making the headlines as well as the major forces at work in the deal-making world. He was a M&A lawyer with Skadden, Arps, Slate, Meagher & Flom for over 30 years. He retired in 2010 after 25 years as a partner at the firm. Click here for his current and archived columns.
Content engaging our readers now, with additional prominence accorded if the story is rapidly gaining attention. Our WSJ algorithm comprises 30% page views, 20% Facebook, 20% Twitter, 20% email shares and 10% comments.


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Terry Bradshaw Returns to Country With 'Lights of Louisiana'
Billboard -- Country radio might be a little surprised to see on their desk a song called "Lights Of Louisiana" from Terry Bradshaw. Yes, that Terry Bradshaw, the "Blonde Bomber" who carved out a legendary NFL career as quarterback for the Steelers, and has continued to be a fixture on game day as a commentator for CBS and FOX.
He says that music is not that big of a stretch: It's actually his first love. He made it to No. 17 on the Billboard Country Singles chart in 1976 with his version of "I'm So Lonesome I Could Cry," and has been nominated for Dove Awards on multiple occasions.
Returning to the recording studio was something that Bradshaw wanted to do for reasons that were intently personal, beginning with a long-simmering goal to record a Christmas album.
"I had gone to [producer] Jerry Crutchfield, and said that I wanted to do a Christmas album for my kids when they were kids -- they're not anymore," he said. "I planned to fund it myself so I could control it, and give it to them as a Christmas present. My lights go up the first week of October, and I take them down in February, so they are up awhile. I listen to Christmas music, and watch the same movies year after year."
Despite their good intentions, the album project never came to be after years of putting it off. And that's when Don Imus and a bootlegged copy of unreleased Bradshaw songs came into play.
"Then, Don Imus found an old copy of a Christmas album that Jerry and I had worked on. Jerry actually flew out to LA and tried to fix it, but he couldn't because the tracks were recorded in the wrong key. So, I tried to sing it in that key, but I didn't have the range. So, we aborted the project. One of the guys involved with it got mad, so he took the songs, and printed out some copies, and put it on the black market. Imus got hold of it, and would play it all the time. I would just cringe. I told him 'I'm going to put out an album, and it will be a real Christmas album.' So we started the album in the summertime right before I went on vacation before football season. Jerry had this one song which I loved. We did it, and also did 'Silent Night,' but didn't really like it. 'Lights of Louisiana' turned out great, so we decided to send it out to radio."
While the full project won't be out until next year, he's excited that his daughter, Rachel, will be lending her talents to it. Signed to Bigger Picture and working with legendary producer Keith Stegall, he beams when talking about her budding career.
"She's such a young and talented woman," he beamed. "There are a lot of talented people in Nashville, and she knows that. She's very fortunate to have signed up with them. She's been writing for five years, and had a hit last year with Jerrod Niemann's 'What Do You Want.' She writes with the best writers in the business, and is a tremendous singer and loves it. I've encouraged her to make the most of it because you might not get another chance."
The holiday record takes the Shreveport native back to his youth. "I especially love the levee line -- from New Orleans to Baton Rouge. It has my grandmother and grandfather in there. It's a flashback song that makes you think about your home, and when I do, I think happy thoughts. It's a real melancholy song, puts you in a mood to sip on some hot chocolate, and not say much, just think and reflect."
Bradshaw continued, "As you get older, your past is so much greater to you than when you are younger, and you're trying to accomplish things, and set the path for your life. I traveled that path, and my journey is still going, but I'm walking much slower now than I did. I'm not a look-back person - I don't like to do that because it saddens me. But, when Jerry wrote the song and played it for me, I just fell in love with it. One thing that is nice about Christmas is that it comes around every year, and for my state, it will be around forever. My girls have heard it, and they love it. I'm doing it for them, so they better like it," he said with his usual dose of charismatic wit.
Related article on Billboard.com:
Justin Bieber Booed at Football Halftime Show in Canada
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The army couldnt refuse to let me reenlist, but they suggested I retire, even though I was still in pretty good shape. I started working as an auto mechanic. By 1989 I was missing work all the time. Pneumonia was a semiannual eventevery spring, every fall. I was in and out of the emergency room. Eventually I started my own part-time mechanic business so I could just close my doors when I wasnt feeling well. In 1993, during another bout of pneumonia, a fungus started growing in my lungs. Something was actually growing in my lungs! After the exacerbation, which is an episode in which COPD gets worse due to an infection, my doctor said I would probably have even more problems. The fungus did severe damage. That was when I had to retire for good.
After I retired, I sat around doing nothing and gained a lot of weight. I was also still smoking about a pack and a half a day, just as I had been doing ever since my first cigarette at age 14. On March 4, 1998, at around 10:30 p.m., I went to the bathroom. As usual when I went to the bathroom, I lit a cigarette. I started coughing and I couldnt stop. I turned blue and passed out. My wife called 911 and they took me to the emergency room. Even though the hospital isnt far from where we live, I was clinically dead by the time we got there. They brought me back to life in the ER. The doctor told me if I didnt make some serious changes, I wouldnt live more than six months. I told him right there that I would never smoke another cigarette, and I havent.
Chronic does not mean terminal
The first thing I did after quitting smoking was talk to a friend who had also quit to slow down his COPD. He mentioned an online support group called COPD-Support that he was a part of. I went right out and bought a computer. Doctors can be very vague about COPD because they dont really understand it completely, but here were patients who could tell me things doctors couldnt about living with this disease.
People often feel theres not much they can do about their COPD; theres no cure for it. Well, its chronic, but its not terminal. Ive had it for more than 25 years. Most people are so depressed when they are diagnosed that the first thing they think is terminal. Weve had a heck of a time trying to get people to drop that expression from their vocabulary. The only way youre going to die is if you dont take care of yourself. You cant blame it all on COPD.
Instead, I tell people to take the time to find out about treatment options. Ive found that people rarely know about pulmonary rehabilitation, which can be of great assistance. Rehab includes organized exercise programs, physical therapists, and pulmonary therapists. More important, though, are the classes on how to take your medication, breathe easier, and eat well. I wish more people were aware of it; pulmonary rehabilitation can be a lifesaver.
What's more, people should also be more informed about early detection. Doctors dont tell you that anyone over 35 who has smoked for longer than 20 years should ask for a pulmonary function test at least once a year. Its all about early detection, prevention, education, and care.


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By Bruno Mugooda in Jinja
JUST days after URA FC officially unveiled plans to construct its own stadium, FUFA has handed over Njeru technical training centre to Infra-Tech Consult Ltd and Kabbs Technical Services after the football governing body received a sh 720m ($300,000) plan to complete part of its infrastructure.
FUFA Chief Executive Officer Edgar Watson revealed that Infra-Tech and Kabbs signed a 5 months contract with the federation to construct a perimeter wall and office block that will help modernize the first three phases.
''I believe the structures will enable FUFA have all its programs in place conveniently" said Watson.
Infra-Tech director of engineering Ibrahim Kabugo who will be supervising contractor Kabbs, said that the construction program will take a period of 5 to 6 months.
''We shall construct a perimeter wall, changing room with a pavilion, administration block with offices for the FUFA president, regional secretariat and Chief Executive Officer as well as a boardroom of 50 to 100 people" Kabugo revealed.
FUFA president Moses Magogo said that the fully finished Goal Project 4 will help FUFA smoothen the development of football in the country.
"Football cannot be developed without infrastructure in place. So FIFA Goal Project 4 is a gift from FIFA to Ugandans because of the past projects by FUFA headed by past presidents the late Dennis Obua and Lawrence Mulindwa.
We now look forward to modernizing the facility so that we can have more FIFA programs easily and saving the expenses we would have incurred at hotels. This training facility will benefit all Ugandans" said Magogo.
Construction is expected to start this month.
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November 27, 2015
A Floyd County man pleads guilty to abusing special education students.
Marty Mullins will be formally sentenced on September 28th on the charges.
Mullins made the plea last week.
Mullins allegedly abused his special education students at May Valley Elementary School in 2001 and 2002. He will also be sentenced for perjury after he allegedly lied on the witness stand in 2004 while facing the abuse charges. Mullins resigned from Floyd County schools shortly after the allegations were made.
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Early voting in underway in Ruidoso and Carrizozo, and the heavy response points to an energized electorate.
Saturday was the first day for early voting, only at the Ruidoso Senior Center, and drew 340 voters. Monday, the county clerk's office in Carrizozo began early voting and recorded 51 ballots. Tuesday was the first day for both early voting centers to be opened simultaneously, and Ruidoso poll workers reported they were busy, said Elections Clerk Yvonne Bartz.
The Ruidoso Senior Center will be available for voting from 10 a.m. to 6 p.m., Tuesday through Saturday. The Carrizozo office will be open for voting from 8 a.m. to 5 p.m., Monday through Friday, and from 10 a.m. to 6 p.m., only on Nov. 3, when early voting closes.
The staff of County Clerk Rhonda Burrows mailed or accepted 1,233 in-person absentee ballots for the general election Nov. 6. As of Tuesday morning, voters sent 776 ballots back, she said.
The county has 14,208 registered voters with 7,780 Republicans, 3,616 Democrats, 2,344 decline to state and 468 from minor parties, Bartz said.
On the general election day, voting for all precincts will be possible from any of the six voting centers in the county, one in each of the five municipalities and one in the Hondo area. The centers are located at Corona Village Hall, 461 Main Street; Lincoln County Courthouse, 300 Central Avenue, Carrizozo; Capitan High School, 150 Forest Street; Ruidoso Convention Center, 111 Sierra Blanca Drive off Mechem Drive at the U.
Burrows said another significant change this election is the elimination of a straight party vote.
"In past statewide elections, the voter had the option at the top of the ballot to choose a straight party vote," she said. "This option will not be available on the ballot for the 2012 General Election because of a decision by the Secretary of State that there is no provision for a straight vote in state statutes. Voters are required to designate a choice for each contest."
Voter identification
As for voter identification, Burrows said, "A voter simply is required to state their name, their address as registered and their date of birth. As a matter of convenience, they may provide their voter information card or another form of identification. Many of the voter information cards we mailed out have bar codes on them, which speeds up the process."
Five state constitutional amendments and three bond questions appear on the ballot, which is two sided. Three of the constitutional amendments deal with the Public Regulation Commission. Amendment 2 calls for an increase in qualifications for pubic regulation commissioners, Number 3 would remove corporations from PRC jurisdiction and place them under the secretary of state, and Number 4 would remove insurance companies and place them under a superintendent of insurance. The first amendment provides for two additional members to sit on the judicial standards commission, a municipal judge and a public member. The fifth amendment would create an independent public defender department.
Bond Question A calls for the sale of $10,335,000 in bonds for senior citizen facilities, Bond Question B would sell $9,830,000 in bonds for library acquisition and construction and Bond Question C, $120 million for higher education and special schools capital improvements and acquisitions.
Depending on their precincts, Lincoln County voters will face choices for state senate seats, a county commission post and for sheriff. Several state and county Republicans face no opposition in their races, some because the race was decided in the primary election.
Sample ballots are posted on the New Mexico Secretary of State's website, http://www.sos.state.nm.us, and a "super ballot" is now available for review on the county clerk's website. Voters with questions or needing more information can call 1-800-687-2705 extension 6.


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Oct. 21, 2008
The Eastern Washington University volleyball team played a non-conference contest in the middle of a four-match homestand spanning eight days and were successful in defeating visiting Seattle University by 25-19, 25-14, 25-22 scores on Tuesday evening (Oct. 21).
Mandy Daniels had an impressive match, tallying 20 digs in the three-set contest, a season high for the libero in a three-set match. Amanda Yausie had 40 assists in the contest, a season-high total for the junior.
Offensively, Hayley Hills contributed 15 kills and hit .306 (15-4-36), while Alysha Cook tallied 14 putaways and hit at a .478 clip (14-3-23). Also, Emily Bekkering hit at a high percentage, .545 (7-1-11).
"Both Alysha and Emily had high percentages and did well for us," head coach Miles Kydd said. "I thought Hayley was attacking the ball pretty well when give the chance to swing away.
"We played well offensively. It was nice to give Amanda (Yausie) a chance to play. Her back has been bugging her a lot, and it was nice to see her. She ran the offense well."
In set one, the Eagles (10-9) pulled away from a 16-16 tie to go on a 9-3 run to finish the set and prevail 25-19. Eastern was up 21-9 in the second set and cruised from there to a 25-14 win.
The third set was the lone one to be close down the stretch, as Seattle (9-15) put together a short 3-1 rally from 22-18 down to pull to within two at 23-21. From there, the teams traded sideouts until Eastern claimed the 25-22 win.
"We were hoping to have a short match because we haven't had one for a while," Kydd said. "So it was a big deal to be able to win in three. It's tough to play a match in a busy week, but it was good for us."
Eastern Washington will now return to Big Sky Conference play with a home match against Idaho State at 7 p.m. on Thursday (Oct. 23). The Bengals are 5-15, 2-6 in Big Sky matches. The Eagles are tied for second with a 5-3 league mark.


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New York, NY, May 03, 2013 --(PR.com)-- Nationally acclaimed Midtown destination, EVR, is ecstatic to announce the appointment of celebrity chef, Culinary Bad Boy, Chris Nirschel, as the kitchen lead for the unique destination's exciting new lunch operation to commence on Monday, May 4th. Dedicated to providing an unparalleled and innovative experience in hospitality, the young lounge is introducing a seasonal menu paired with fresh new non-alcoholic beverages. Using his diverse capabilities and incredible talent, expert Chef Nirschel, has developed an incredibly flavorful and fresh lunch menu for the lounge that is both exceedingly noteworthy while also remaining cost effective.
"Using my cooking experiences and family background, I pride myself in utilizing fresh seasonal ingredients in creating extraordinary food," Nirschel states. "At EVR, I want patrons to have a unique experience so our menu is versatile and our non-alcoholic drink options are creative and refreshing."
The distinctive lunch menu will feature a variety of enjoyable entrees and refreshing non-alcoholic beverages completely unique to EVR. Menu favorites include our appetizing prosciutto, apple and brie wrap, mouthwatering sautéed brisket burger petites, homemade buffalo chicken flatbread pizzette, and garden-fresh ahi tuna seaweed salad among other delectable dishes all at the reasonable rate of only twelve dollars or even the bitcoin equivalent. Meals can also be paired with the fresh EVR non-alcoholic beverages including the ginger cucumber cooler, invigorating watermelon juice, limeade and more. EVR's new lunch opportunity will also soon offer chef services to your office making the lounge's new venture an incredible and enjoyable Midtown dining selection, while also remaining cost efficient.
Contact: Sarah Mendelsohn, firstname.lastname@example.com
Contact Information:
Sarah Mendelsohn
Contact via Email
Read the full story here: http://www.pr.com/press-release/489318
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ocial Studies:
Vose School Educational Resources
- This page was created by schools in Oregon. This site contains links to many other pages made by schools around the world. There are many links to educational resources. The site includes lesson plans, projects, games, and sites for children to visit (like on-line help, where kids can submit questions and get answers back). There are also some Internet resources. It has a link to 'kidopedia' which is a encyclopedia created by kids.
Internet for Educators
- Special Education resources, art museums, lesson plans, online projects, exercises, children's sites and using technology in the classroom.
Teacher Talk
- lesson plans in many areas such as: the first day of school, Global issues, environmental projects and many more. This site also includes articles on many topics dealt with by secondary education teachers. some articles include: A.I.D.S., Caring teachers, conflict mediation, cultural diversity in the classroom, dealing with sex issues in any classroom, Internet primer, and many more.
AllPolitics from CNN & Time
- This site contains current political news and issues. There are also some political cartoons and games at this site.
Back to the
Educate Homepage


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Turning off the noise of financial worries
This is not the start of a prank phone call. Nor is it a question about energy efficiency.
It's a metaphor.
You know how your refrigerator can be humming away and you aren't even conscious of it until the kitchen goes silent, and suddenly you feel this amazing sense of peace you didn't even realize you were missing?
In my metaphor, the refrigerator is financial stress.
It came to me one morning last week, in the car on my way to work. I was thinking about a project I needed to get started on. I was admiring the spring flowers at the old farmsteads along the route. My mind was wandering. And then I realized that something felt different: I wasn't worrying about money.
This was a first.
Before I had YNAB, money was always on mind. I constantly imagined how relaxing life would be without that stress but I didn't see how I could ever escape it.
I avoided anything to do with money. I never knew my exact bank balance; I'd just think back to the last deposit and do a mental tally of what other payments might have come out in the meantime. (I could have checked the balance, but I was usually too scared.) Consequently, every transaction meant worry: Would the check be returned? Would the debit card get declined?
Even when I knew there was plenty of money in the bank, I feared that it wouldn't be enough. So I avoided spending altogether. I'd even delay paying bills until they were overdue, somehow figuring that the longer I waited, the more time we'd have to build up the bank balance. (Hint: Poor strategy.)
My fear of facing the finances head-on overshadowed every aspect of my day, from putting gas in the car to taking the kids out for pizza to buying groceries. And over all that loomed the credit card balance, made of large purchases we had sworn we would pay off by the end of the month – but never did.
The budget changed all that. My new habits took care of most of the immediate worries – the late bills, the poor cash flow – in the early months. But that familiar, low-grade anxiety took longer to fade. Like the sound of the fridge, the background stress had been so constant for so many years I barely noticed just how exhausting it was – until it stopped.
Don't get me wrong: We still have a long way to go. We're not out of debt yet. We're not anywhere near on track for retirement. But the budget has given me control and awareness of our day-to-day finances. That has brought me a sense of peace I'd always dreamed of but never thought was possible.
Is your (metaphorical) refrigerator running? Do you wonder if the noise will ever stop?
Believe me: If you stick with the budget, eventually it will. And it will feel just as amazing as you imagine.
9 Responses to "Turning off the noise of financial worries"
joseph Campo
I am glad to hear this good news.
I have recently hired a professional financial advisor to handle our retirement funds to remove that task from my shoulders. I was finding I didn't have the time to learn enough to make the best decisions and manage that part of the equation. But I have to now budget that as another expense.
How do you manage unknown fluctuations in your income stream, vis a vis YNAB? My wife has been out of work for one school year wne she went back to complete her MA degree. But without knowing whether she will get a job or not, I have to operate with what we have for day to day budget. And our expenses exceed our income. Yeah< I know, I need to budget that down, but it is physically impossible. Our necessities (because of mortgage mostly) now exceed our monthly income. We have been getting by on inherited money from my mom's passing last summer.
I hope that my wife will get a job, but I cannot count on that. I am also going to pick up p/t work soon to help bridge the income gap, but that's also unknown.
How do you handle these unknowns with YNAB? Thanks for any advice.
Joseph, if you haven't already, I urge you to check into the YNAB forums: http://forum.youneedabudget.com/ (It's a very non-threatening, supportive group, I promise!). Many other people are in, or have been in, a similar situation and have gotten some good ideas and empathy there. I don't have any good advice from my own experience because in my case, our problems were largely caused by bad money management, not a lack of income.
If I had any suggestion, however, it would be to start by identifying exactly how much you need each month to get by and set that as a target income number. Could your wife, for now, pick up part-time/temp work that would keep you in the black each month? If you have pared down your expenses as far as possible, the only other option is to increase income.
Also, despite your difficult situation, remember that the budget is helping you make the most of the money you do have, so stick with it. Abandoning the budget because money is tight will only hurt you in the long run.
Good wishes for better times ahead.
My refrigerator WAS running yesterday. The prior day, my car had been sideswiped while it was parked at work, and yesterday I had to file a claim and take it to an auto-body shop. My deductible is $1,000. I went into a tailspin all day.
Then, last night, I sat down at our budget, looked to see what was in my rainy day category for car repair (Rule 2), and then using Rule 3, I moved some budged amounts around, and was able to come up with the $1,000 – and we're currently living at Rule 4!
My husband and I both sat and stared in shock that we were able to do it without dipping into our Rule 4 income, and it gave us both so much peace. I know that a year ago, we never would have felt this way – it would have been panic and worry. It's taken work to get to this point, but what an amazing place to be. We've also decided to create a new Rainy Day category "Car Insurance Deductible", and will be building that over time.
One final action item for all of this is that I believe I know how and when it occurred (pretty sure it was a bus, based on the tire marks left on the side of my car), so I'm taking calculated steps (saving all my paperwork, requested pictures that the auto-body shop took, talking to a friend who is a Sheriff who may have seen the before and after) and calling the local bus company to see if they will admit culpability. The great thing is that even if they don't, for today, we're just fine.
This is what I am talking about. Good for you (not on the car repairs, but everything else!).
Jessiebird … What a great post! I enjoy all of the contributors, but I must say, I relate to yours the most … thank you!
I had a financial situation I was in where I had thousands (quite high) in my account and I was using YNAB to budget that. Things were good and everything was smooth but I didn't have a steady way to manage it all on a regular basis … so I thought.
I now realize that it's not just the software that makes this work but how you use the software for your own needs.
When I reach that point again (and beyond – I will) I know that I will have a better way to take care of things and feel the same peace, being able to relax knowing that all is taken care of going forward (with YNAB, of course).
Thanks, Jessie! I'm there now too, except I still have that knee-jerk reaction of panic and fear sometimes when an unexpected expense appears (for me it's been emergency Vet bills). Then I sit down, breathe, look at my budget, apply rules 2 (rainy day funds) & 3 (roll with the punches / whack moles) and get to feel that peace and gratitude knowing that I'm living in rule 4 (LOLMI) ! I no longer have to worry about my bank balance bottoming out! Thank you YNAB!!! Now there's actually time to 'smell the roses'!!
Maiya, my next blog post happens to be about pet expenses. Stay tuned….
Good Metaphor
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All they wanted is to have a good way of informing the people. - Kris Krohn Strongbrook
AM 730 KWOA serves the AM radio listener area in Southwest Minnesota and Northwest Iowa with area news, sports and weather.
Former Worthington Trojan Boys Basketball standout Jalen Voss, currently a sophomore at Dakota Wesleyan University in Mitchell (SD), is adding more postseason accolades to his resume as the Worthington native has now been named an All-American by the National Association of Intercollegiate Athletics (NAIA).
Jalen Voss was selected as a Division II Honorable Mention All-American Selection. Voss, who was also named to the All-Great Plains Athletic Conference's First Team, led the Tigers in nearly every statistical category this season. He led the team in scoring at 14.2 points per game, led DWU in rebounding, pulling down 9.9 rebounds per game and blocked shots with 44 blocks. He led the team in scoring 11 times this season and grabbed the most rebounds on the team in 26 of DWU's 31 games.
Voss finished the year 10th in the GPAC in scoring and first in the conference and sixth in the NAIA in rebounds per game. He was also third in the GPAC in total blocks and finished first in the GPAC and tied for third in the nation with 17 double-doubles. Voss also finished fourth in the NAIA in total rebounds with 308 and 19th in field-goal percentage, shooting .563 from the field.
Information from this story was provided by the Dakota Wesleyan Athletic department and can be found at their website at http://www.dwuathletics.com
All they wanted is to have a good way of informing the people. - Kris Krohn Strongbrook


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Cape Town, below Table Mountain
With one of the most spectacular settings of any national capital, Cape Town is wonderful place to explore. The scenic Cape of Good Hope and the ancient estates of wine country are easily accessible on a day trip.
Photo by Brendan Rolle Rowan / 123RF.com


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Endothelial progenitor cells: a new player in lupus?
Author affiliations
1 Arthritis Research UK Epidemiology Unit, School of Translational Medicine, Manchester Academic Health Science Centre, The University of Manchester, Oxford Road, Manchester, M13 9PT, UK
2 Department of Rheumatology, East Lancashire Hospitals Trust, Haslingden Road, Blackburn, BB2 3HH, UK
3 Cardiovascular Sciences Group, School of Biomedicine, Manchester Academic Health Science Centre, The University of Manchester, 46 Grafton Street, Manchester, M13 9NT, UK
4 The Kellgren Centre for Rheumatology, Manchester NIHR Biomedical Research Centre, Central Manchester University Hospitals NHS Foundation Trust, Oxford Road, Manchester, M13 9WL, UK
Citation and License
Arthritis Research & Therapy 2012, 14:203 doi:10.1186/ar3700Published: 20 February 2012
Patients with systemic lupus erythematosus (SLE) have a greatly increased risk of cardiovascular disease. There is growing interest in the link between vascular damage and lupus-specific inflammatory factors. Impaired endothelial repair could account for the endothelial dysfunction in this patient group. This review describes the contribution that endothelial progenitor cells could play in the pathogenesis of premature vascular damage in this disease. The methods of isolation, detection, and characterization of endothelial progenitor cells, together with their potential role in repair of the endothelium and as a therapeutic target in SLE, are discussed.


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Mike Manley, COO Asia Pacific and President and CEO Jeep brand, and Daphne Zheng, managing director Chrysler Group China, introduce the all-new Jeep Renegade at the 2014 Beijing Auto Show in China.
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Chrysler's shot at getting a piece of auto sales in China, now the world's largest automotive market, took a major step forward Sunday with an agreement to build three Jeep SUVs there in a partnership with Guangzhou Automobile.
After nearly two years of discussions, the deal to assemble Jeeps in China comes as sales of SUVs in China are expected to outpace overall industry sales.
Chrysler has designated Jeep as its main international brand and is relying on the SUV to make inroads in growing global markets where it must catch up with larger competitors. ...


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Almost two years after a gunman stormed a public event in Tucson and shot her in the head, former Arizona Congresswoman Gabby Giffords is visiting the latest flashpoint for gun violence: Newtown, Conn.
Click here to read Bob's blog.
Americans are wasting more food than ever, thanks partly to confusion…
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Snow Cake cranks up in Canada
Snow Cake, the long-gestating drama starring Alan Rickman,Sigourney Weaver and Carrie-Anne Moss, has finally started shooting in Canada.
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Should You Get Back Together with Your Ex?
Keen Category: Love Advice
So you think you want your ex-lover to come back. Well, obviously it won't work if things remain the same as they were prior to the breakup. In any case, you must allow plenty of time to recover and regain your sense of self before attempting a reconciliation.
After your recovery period is up, if you still want to get back with your ex, it's time to ask yourself why. Most people want to reunite with their ex-partner for reasons other than true love. In cases like these, it's usually the ego talking. This is something we've all done at one time, so understand that these emotions are natural, even though they are not healthy.
When one tries to get an ex back for egotistical reasons, the chances of succeeding in the pursuit or maintaining a healthy relationship is slim to none. If your intent isn't pure, you won't succeed in getting what you want.
Ask yourself if you want to rekindle a past relationship for the following reasons:
- Your ex is with someone new and your ego is bruised. You can't accept the fact that your former partner hooked up with someone else so soon after your relationship ended.
- You are beating yourself up over the split, telling your mind that you failed; you want to reconcile just so you can regain your power.
- You are on the receiving end of the breakup and again, your ego is bruised. You want your ex back just to soothe the ego. You are no longer truly in love with your former partner, but you want to know that you can entice this person back.
- You never completely let go of the issues that led to the end of the relationship or never viewed the ending as positive. Because you have held out for a reconciliation, you haven't re-established your trust in other potential partners and now you believe your ex is the only one who will want you and make you happy.
- You want your ex to feel the pain and agony that you experienced. Basically, the only reason you want your former partner back is so that you can reject this person.
All of these reasons are guided by the ego. Sure, you've been hurt, we've all been there and if you're honest with yourself, you have been on the delivering end as well. That's life. Don't take a breakup personally. There is always a reason why a relationship doesn't work out for one or both parties involved.
Here's a personal example of what happens when you're looking to rekindle a relationship for the wrong reason:
My high school sweetheart and I were together for 3 years. I went on a family vacation the summer before my senior year. During that trip I had an uneasy feeling that something wasn't right with my relationship. I just knew that it was over and that I had to leave him. As soon as I came back from my trip, I went to visit this guy at his job. When I hugged him, I knew immediately that he had cheated on me. The next day I broke up with him without telling him why.
Of course he was hurt, but that same week he was spotted with my then "best friend," holding hands and kissing at a school function. I was livid when I heard, but didn't want to believe it until I saw them together with my own eyes. Well, my "best friend" had stopped calling me and soon I did see them with my own eyes. I called my ex and tried to get him to take me back, but he turned me down cold.
The moral of the story is obvious. I only wanted him back because he was with another girl, my best friend, and I felt betrayed by both of them. My intent was to hurt her when he took me back and then I would hurt him by finding another guy to cheat with. My higher self wouldn't let me be vindictive and I learned a very important lesson from that experience.
If you think you want your ex back, here are 12 questions you will need to ask yourself before trying to reconnect with your lover:
Do I want my ex to be happy, with or without me?
If you feel that the only way your ex can be happy is with your presence, you're sadly mistaken. If you don't want this person to be happy without you, it's not real love.
Is this person emotionally, physically and legally available?
If your ex is not truly available for a solid and stable relationship, you won't get what you're seeking. If this person is in a relationship with someone else, then your ex is off limits.
Has my ex voluntarily made the important changes needed to keep our relationship stable and happy?
If your ex is still behaving as before the breakup, you won't be happy and your relationship will fail again.
Have I made any changes, learned my lessons and grown on spiritual and emotional levels?
If you are the same as before the relationship ended, chances are your ex will not want you back.
Do I depend on this person to provide me with true happiness and validation?
If you can't be happy or find validation on your own, chances are nobody – not even your ex – will ever be able to fulfill these expectations.
Am I truly needed and wanted back in my ex's life?
If this person is attempting to come back into your life, make sure that it is being done with pure intent and not from an unhealthy motivation.
Has the separation been long enough to regain my personal power?
If you are still feeling angry, hurt, betrayed, lonely, abandoned, lost, confused or any other damaging emotion, it's not time to rekindle the romance. You must be completely clear and independent before starting a relationship with anyone, let alone your ex.
Am I trying to get back into my ex's life so that I can get revenge or make this person feel the pain I've been through?
You must be honest with yourself while asking this question. The best way to know if you're doing this for impure reasons is by assessing your emotions.
Have I completely accepted my ex for who he really, truly is?
If you want this person to change in fundamental ways, you should not try to reconcile.
Have I stopped placing blame on my ex for my pain, and am I being accountable for my actions or inaction?
If you don't take responsibility for your actions in any given situation, you are in serious denial. Even if your ex cheated on you, your actions after the fact will shine through. If you haven't forgiven your ex and are still blaming him for your current pain, then your relationship is doomed for failure.
Have I truly let go of the past and am I able to trust this person now?
If you are still holding on to various issues from the old relationship, you will carry them into the next one. If you can't trust your former partner now, you never will. Even if your ex has proven that he's changed, if you're still angry about the past, nothing this person does will ever please you.
Am I willing to take things slowly?
If you want to rush back into a relationship, chances are you haven't learned anything and you won't experience anything new. If you have caused your ex any pain, he will also need time to rebuild trust. Take things slow and do not push for something prematurely.
Getting back together with an ex can be successful, but oftentimes both parties need space to re-ground and find themselves. Most of the time, people go back to their past because they're afraid of the future.
Remember, you can't live in the past or in the hope of what might be in the future. You must live in the now.
Related Articles
- 10 Questions to Answer Before You Date Your Ex
- Can Soulmates Be Just Friends?
- Can You Force Love with a Psychic Reading?
- How to Get Your Ex Back
- Should You Reignite That Old Flame?
- Once a Cheater, Always a Cheater?
- Five Signs Your Ex-Boyfriend Wants You Back


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Its been three years today when God called you Home. If we could visit heaven even for a day, Maybe for a moment the pain would go away. We'd put our arms around you and whisper words so true. That living life without you is the hardest thing to do. No matter how we spend our days, no matter what we do, no morning dawns or evening falls when we don't think of you. You're forever in our hearts, we love and miss you so much. Mom, Dad, Grandma, Ashley, Carson, Jeff, Dawn, Wendy and the rest of friends and family. Happy Birthday Eric


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Muhlenberg County, Kentucky, United States
Cities of Muhlenberg County
Histopolis currently has information on 6 cities, 43 unincorporated places (u.p.) and 6 alternate names (*) in Muhlenberg County.
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Education and Training
Planning, managing and providing education and training services, and related learning support services.
Official Statewide Instruction Framework Reports for FY2013 School Year.
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PPL System Clock Card
KX-TD170 adds 8 multi-line digital extensions Plus 8 single-line analog ports. It is a large expansion board that attaches to the front door, with a flat ribbon cable that goes through the door and plugs into a connector on the front panel of the control unit. Phone connections are on a 25-pair female Amphenol connector.
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Detroit Red Wings left wing Henrik Zetterberg leads his team as they shake the hands of the Toronto Maple Leafs after the Winter Classic outdoor NHL hockey game at Michigan Stadium in Ann Arbor, Mich., Wednesday, Jan. 1, 2014. The Maple Leafs won 3-2. / Paul Sancya/AP
- Filed Under
U.S. officials say Homeland Security agents seized about 6,100 pieces of counterfeit hockey merchandise and other sportswear valued at more than $723,000 during a three-month initiative leading up to NHL Winter Classic events.
U.S. Immigration and Customs Enforcement said Thursday that jerseys, hats, T-shirts and other items worth more than $32,500 were seized in the Detroit area.
"Operation Team Player" targets counterfeit sports merchandise from all major sports leagues. Most items seized were fake NHL merchandise.
The National Hockey League's Winter Classic between the Detroit Red Wings and Toronto Maple Leafs was played Wednesday before 100,000 fans at the outdoor Michigan Stadium in Ann Arbor.
Homeland Security agent Marlon Miller says makers use "inferior materials" for look-alikes that don't benefit the teams, players or the associations with trademarked sports gear.


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- SCU Home Page
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SCU in the News
Deep Gulasekaram
Deep Gulasekaram (Law) was quoted by KCBS radio and in the San Francisco Chronicle about the Supreme Court's invalidation of much of Arizona's anti-illegal-immigration law.
Posted by Deborah Lohse
Here's a sampling of the hundreds of mentions of SCU in the media in the past two weeks. The first part of the link is a list; the full text is below the list.
Upcoming Events


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How arrogant, how colossally ignorant, to think that we paltry humans, a blip in the sands of time, could actually be the cause of global climate change.
Indeed, there is climate change, as there always has been, and we humans play a role in that as does every living thing, including the planet itself, which I consider to be a constantly changing, living entity.
There is no doubt that we humans are known to foul our own nests, and we are working to gradually change that. The Industrial Revolution increased the world's population tremendously, and with that came pollution.
I contend that pollution is a local or regional issue and should be dealt with on a state level. Regulations on a federal level paint with a broad brush and punish all, whether guilty or not.
The pursuit of happiness basically means private property rights. The federal leviathan known as the Environmental Protection Agency has done more damage to those rights than any other agency because its regulations are inescapable. One of its recent determinations deems carbon dioxide to be a pollutant. Now, I suppose, we'll be held accountable for breathing.
So what are we to do? Stop working and kill off half the population, or take a more rational approach? There are plenty of environmental-awareness groups, as well there should be. Create and maintain this awareness and couple it with the free-market system, and most people will buy products that are eco-friendly.
Coercion is not a good tool to achieve human compliance. If climate change is coming, there is no existing technology that can prevent it. Whipping ourselves, because other nations do not have the same restrictions, is not the answer. So go buy a surfboard or a snowboard and enjoy the ride.
James Spickard


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Classified Senate - Events
Meeting Times
The Classified Senate meets on the third Friday of the month, 12:00 to 1:15 PM in the President's Conference Room (E1-701).
Joint Staff/Faculty Recognition Awards Luncheon
The annual Recognition Awards Luncheon will again be held jointly with our Faculty, and will take place on Thursday April 30th. Room location has yet to be determined.