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Guest Post: TBTF Banks Laughing All The Way Home Thanks To HARP
Submitted by David Schawel of Economic Musings blog,
The Economics Behind the HARP Program
HARP, The Home Affordable Refinance Program, is a streamline refinance program developed to help borrowers who have continued to make their mortgage payments, but have be unable to refinance due to a decline in their home value. Underwater borrowers have been stuck in a "no-win" situation of sorts, being stuck in a well above market mortgage rate (over 6% in many cases) despite being current on their existing loan and maintaining strong credit. Various fees and a LTV ceiling cause the original HARP program to flame out unsuccessfully. Blame was quick to be cast among the major lenders, the GSE's, as well as the Government.
The early results of HARP 2.0 are in, and the program's modifications appear to be spurring strong activity. Are the big bad "too big to fail" banks finally relenting and playing ball? As an investor in the securitized mortgage market, I see aspects of the market that the average borrower or market participant does not. In this post I will walk through the economics of mortgage origination for HARP loans, break down exactly how much these banks are making, and how they are able to do so.
Mechanics of Securitization
Many realize that mortgages are sold into Fannie/Freddie pools but few know the intricacies. If a borrower has a rate of 4% on a 30yr mortgage, the investor of the pool only receives 3.5%. The remaining 0.5% (50bps) is split between the servicing fee and GSE "guarantee fee". Similar 4% loans will then be aggregated together into a pool. A "30year 3.5" is a pool of 30yr 4% mortgages with a coupon of 3.5%. As of today's close, a 30yr 3.5% pool trades at a price of ~$105.75. If you tack on the 1% origination fee that most charge, and the servicing rights which are valued at another 1%, the originators (Wells Fargo, JP Morgan, Bank of America) are making almost 8points on a standard plain vanilla conforming mortgage.
Historical spreads of what's known as the "primary-secondary" spread show that mortgage rates are actually higher than they are supposed to be. The current coupon mortgage rate measures the yield of the hypothetical par mortgage (30yr 3's trade at almost 104 so there's no tradable par bond). Today that rate is 2.34%. The average 30yr mortgage rate to borrowers, as measured by Bankrate, is currently 3.61%, or almost 130bps over the current coupon rate. Longer term this primary/secondary spread averages closer to 70bps, not 130bps, so rates are about 50-60bps higher than they should be here.
The Value of HARP Loans
HARP loans are particularly valuable in the eyes of investors due to prepayment friction. A borrower may only "HARP" a loan once. As these borrowers are generally all under water on their loan, it isn't feasible to finance into a standard loan. As such, these borrower are trapped in these loans. The street, with good reason, projects these mortgages to prepay very slowly going forward. To mortgage investors, the stability of these cash flows due to extremely low prepayments is worth significantly more than the average pool.
Our example above showed that a 4% mortgage rate would trade into a 3.5% pool which is a $5.75 profit to the bank excluding origination. The value of HARP loans can vary, but these typically trade up at least 2-3 points over TBA collateral. "TBA" is the industry jargon for generic new collateral. So if a 4% HARP loan was originated and quoted at +3, the price would be $105.75 + $3.00, or $108.75. Add on the origination and servicing fees and near 11 point profits are being earned.
Lack of Competition is the Driver
One of the quirks with the HARP program is that you're only allowed to enter into a HARP loan with your original servicer. Noted mortgage analyst Laurie Goodman of Amherst Securities explains, "HARP 2.0, announced in November 2011, introduced significant new benefits to servicers for refinancing their own loans. In contrast, different servicer refinances received at best marginal improvements…This tends to lock a borrower into refinancing with their existing lender, which conveys tremendous pricing power to the banks. A lack of competition has allowed current servicers to charge higher rates to these borrowers, when the economics of origination would suggest lower rates are in order. And borrowers have little choice but to pay the higher rates, as the rules favor same servicer refis to a very strong extent."
The Menendez/Boxer bill being tossed around Congress proposes to allow borrowers to enter into a HARP loan with different mortgage originators. This would ostensibly create greater competition and lower profits for the three main originators (Wells Fargo, Chase, and B of A). To nobody's surprise, the big banks are adamantly against this proposal and it's easy to see why. Not only would their oligopoly on HARP loans be put into jeopardy, but the extra premiums which are able to be extracted would also go down.
While it is encouraging that more and more underwater homeowners are gaining the benefits of today's low interest rates, tremendous profits are being made at their expense. Lack of competition is the primary catalyst, but the underlying economics of the large "too big to fail" banks will do nothing but stoke additional anger in the general public. Expect this trend to continue until the dynamics of the program is changed once again, possibly in HARP 3.0. Until then, the cash cow will continue for the TBTF banks.
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Breaking News;
Standard Chartered: Who are you Fucking Americans to tell us who we can do Business With?( something like that just heard on CNBC World) in reference to doing business with Iran.
Breaking news:
Obama's congratulation call to Michael Phelps audio has been released:
Phelps: "uuuumm....hulloooo?"
Ogolfer: "You didn't win those medals, you didn't break those records"
Is that a reference to that fact that Bush Dubya played 24 rounds of golf during his entire Presidency, while Obama has played 100 rounds of golf before the end of June 2012?
"The last official act of any government, is to loot the country."
This is far easier with Rahm whispering in your ear, "It's OK, we got this handled, you go do...whatever it is that you do, Barry."
Well, if they are laughing it must mean that the Fed is meeting some new nominal mandate.
I'm getting real sick and tired of the left wing extremists pushing their man made global warming climate changing meme on us. It's solar max for Christ's sake.
I live in SW Florida and have witnessed the invasive species of the Iguana's freezing to death in the past few years. Prepare for it again when the Sun enters solar minimum a few years from now.
Frozen Iguana - Frozen to Death in South Florida
Since business is all about risk. The more risk you take the greater the reward supposedly is. I guess banking representatives should be the lowest paid employees in the job market. Since they can't fail because they get bailed out of their mistakes by the taxpayers, we need to pay them accordingly. Lets start paying jobs for their value to society and the amount of risk that is taken.
LLoyd!! Here is your yearly paycheck. $10.00. Don't spend it all in one place.
1 Frozen Iguana please...
Salt the rim and hold the lime.
Here's something simple: Part out your house before your foreclosure. Completely. Leave the bank a slab.
HARP/HAARP- One pushes debt on humanity and the other pushes death on humanity...or some combination hereto.
Careful. Do not prod the restless hordes of conspiracists waiting in the wings...
Was there a point to this?
cash cow to banks? mortgage rates too high, given zirp?
there has been quite a bit of online ink abt this shit, and there seems to be an underlying desire of the banksters and the pols to somehow try to control the downside... foreclosures
one perspective on why things are seeming bullish in RE while everything is still basically the shits:>
The Mystery of Rising Housing Prices
Good read. He forgot to mention about the lack of mark to market value of the underwater/defaulted loan and the how and when the losses are marked on the banks books. Can you say INSOLVENT...... if this happened the FDIC will have a lot of business. It's going to be a slow and painful bleed out.
Forward. Foreclosure You Can Believe In.
with a Harp, Hamp Pump, Chump Dump, Lump, Bump, Pimp, Hook in Their Fanny, Freddy Rump;
Forward. Foreclosure You Can Believe In.
i find it ridiculous but the wooden house which was sold over 300-500k range in 2007, should be less then 20k . http://www.freefdawatchlist.com/2012/08/dow-s-and-nasdaq-expected-to-open-low.html
Not to mention that a new loan means an end to any questions of a clear title. The final shovelful of dirt on the now-buried robosigning "scandal".
er body is laughin
"Treasury may let investors pay to lend"
aka getting ready for -ve rates.
You see
The global debt ponzi IS your friend..
Helping debt slaves keep their head above water.
One mortgage at a time....
Do people remember or know why their homes are under water?
Nope... "Profit has no loyalty and greed has no conscience."
"CHICAGO (Reuters) - Russell Wasendorf Sr., chief executive of failed brokerage Peregrine Financial Group, had $6.9 million in life insurance and a debt on his private jet when he attempted suicide last month.
A receiver for Wasendorf, who in July confessed to stealing more than $100 million from the futures broker's customers over nearly 20 years, detailed the value of the plane and insurance policies in a court filing on Monday and said he was preparing to unload them as assets.
Peregrine, commonly known as PFGBest, filed for bankruptcy protection on July 10."
The only 'Q' is why did he confess? There's alot more to steal out there according to Crazy Eddie. There must be dozens of these roaches crawling around, as Eddie made clear in that RT interview.
eurozone political season of NEAPs (New, extreme or alternative parties)
Profit should be about risk and rewards, the greater the risk the greater the reward.
When I look at an investment I always ask myself is the "risk" appropriately priced.
These loans are underwater, there is a risk both in repayment and in the asset continuing to lose value. The economy is on a downward slide the bottom not in sight, if it was my money being lent I would want more than 11 points to buy down my risk.
That being said, the bankers have not been appropriately punished for originating those loans in the first place and until that happens the above argument holds no water.
You have to clean house first, and at least an "appearance" of justice has to be established.
Indeed; until all the originators and purchasers of these loans have had their remaining assets sold in bankruptcy for pennies on the dollar, this blight has not been purged from the system
"That being said, the bankers have not been appropriately punished for originating those loans in the first place and until that happens the above argument holds no water. "
Report: Cronyism, political donations likely behind Obama, Holder failure to charge any bankers after 2008 financial meltdown
How Obama Enabled Unscrupulous Banks to Foreclose on Innocent Homeowners
"The Federal Reserve chairman said Monday that gauging happiness can be as important for measuring economic progress as determining whether inflation is low or unemployment high. Economics isn't just about money and material benefits, Bernanke said. It is also about understanding and promoting "the enhancement of well-being."
He just fishing ... you can be happy without QE ... right?
Are you " happy" with the Feds performance since 1913.
1. Extremely happy
2. Somewhat happy
3. Indifferent
4. Not very happy
5. Extremely unhappy
6. None of the above. (please use reverse side to explain)
Thanks for completing the annual fed happiness survey....
What I need is a cheap home loan cause my box isn't up to code and the local bloodsuckers won't lend me money even tho I am current, never missed a payment, etc.
Been paying for 32 years thru 12% interest in the '80's and a divorce in 2006(another refi).
Now I am stuck at 6%.
At night I weave a rope from my own hair for bankers.
Now you know why husbands take soon to be ex-wives fishing.
Very cost effective.
Not mentioned in any of this HARP bullshit is that those of us who were responsible and made our payments continued to get shafted.
My house was purchased in 1998 for $75k. It's modest, about 1500 sf, 4 br 2 bath, 2 car garage and one acre. At the peak of the ponzie the valuation of property around the neighborhood was $350k...mine probably around $325k. I didn't get a second, I didn't draw equity, I didn't do anything except pay my 30 year fixed, 7.5% payment (with escrow) of around 750/month. Usually I paid $800 to $1000 a month with the excess applied to principle.
In spite of being on the 'DO NOT FUCKING CALL' registry, I got a couple of HARP marketing calls and I finally got curious.
I got a call and I told them I was interested in getting my interest lowered from 7.5%. The interest rate had the guy excited. He started talking about getting a new package designed to drop my rate down to 3.5%. To me that would be great. I could make the same payments and pay this bitch off sooner.
He asked me how far behind I was. I told him I was paid into November. He asked, to clarify, if I was almost a year behind on my payment. I told him I was prepaid into November 2012.
He stuttered a bit then asked me what my balance was. I told him it was around $40k, maybe less.
I was told that I didn't qualify because
- I was not behind in my mortgage,
- I was not 'underwater', and
- My balance was less than $100k and it was not worth the refinancing cost to work.
So I am blessed with the privilege of continuing to pay my 7.5% interest rate while those that idiotically bought their little castles and McMansions or drained their equity to buy vacations, toys, and boobs will be allowed to drop their rates and have payments adjusted to what I've been paying all along.
Our government has created a system were irresponsibility has become profitable. There is no penalty for personal financial idiocy; rather, we have a system designed to encourage spendthrifts.
And I am forced to support that system with my mortgage interest and tax dollars.
It's time to refresh the tree of patriotism.
Same situation for me, makes a guy want to play with matches.
Pay off the mortgage with a home equity loan. They're a lot easier to get. Go to your local credit union with whom you've had an account for a few years of history - you ARE banking with one, right ? you left a tbtf bank 4 years ago, right ? - and get that home equity loan at 3.5% or thereabouts, for exactly the payoff to the mortgage, no more.
Obama golfs while America burns! But rejoyce... the MASS ARRESTS are imminent... http://tinyurl.com/cd5cyjo/
"A small debt produces a debtor; a large one, an enemy."
Publilius Syrus Quotes
"And to preserve their independence, we must not let our rulers load us with perpetual debt. We must make our election between economy and liberty, or profusion and servitude."
Thomas Jefferson Quotes
"Debt is the slavery of the free."
Publilius Syrus Quotes
"I go on the principle that a public debt is a public curse."
-James Madison
"The borrower is servant to the lender."
-The Bible
"When you get in debt you become a slave."
-Andrew Jackson
The world for mankind is dictated by force not by reason. This is certainly how it has been atleast the last 500 years.
Think slavery, think empires, think World Wars,
In much of the world slavery,exploitation and war are still today in our modern virtual internet iPhone world.
Many countries are as vulnerable to a military attack as countries in Europe are to a Bond attack
Recessions, depressions, bubble, bust, inflation, deflation and debt for the many metropolises of the world. If they want to steal they can steal, change the laws, change the rules, change the accounting, redistribute, increase tax, vat, pension ages, fix prices, support asset classes, "borrow" the money from tax payers, confiscate Gold - whtaever they want, whenever they want - force.
Being aheep means not having to dare, risk, try. We are coasting. Is force the only solution?
Looks like the good men left in the world are fewer than the corrupters. Things are starting to lose their reason.
Banks are over charging on 30 yr loans
Over 50% on rate , loan vs 30 yr bond.
We get ripped off even in a zirp environment
Nothing changes. Nothing
Damn you Boxer, you "socialist"!


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Shadows of Deceit-Book
Books & Reference
by Digi-Media-Apps
Developer Notes
The unimaginable becomes reality. This is the dark domain that Harry Davies enters by chance after helping a stranger in trouble. He is drawn ever deeper into an organization where corruption and treachery prevail. An experience that is set against the backdrop of life in Britain and Ireland...

subset: commoncrawl


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Knitted Christmas Stocking
Source: Babycenter Community
Mom Rating
Ages: 8+ years
In: Holidays
Caron Dawn Sayelle, Art. A3075 (3 1/2 oz. skein); a yarn made of 100% Monsanto Acrylic Fiber
2 skeins #319 Off White
1 skein #410 Christmas Green
1 skein #406 Christmas Red
Knitting needles, #8, or size required to knit to gauge
Crochet hook, size G.
Stitch holder
Large-eye yarn needle for embroidery
Gauge: 9 sts = 2" (Stockinette Stitch on #8 needles).
Notes: Wind several balls each of Christmas Green and Off White; when working checks, use a separate ball for each section of color. Do not carry unused colors across; rather, drop unused color to wrong side of work and pick up when again needed on return row. When changing colors, always bring up new color from under dropped color to prevent holes.
Beg at top with Christmas Red, cast on 62 sts.
Rows 1 through 4: K each row.
Row 5 (Right Side): K 6 Christmas Green, * k 5 Off White, k 5 Christmas Green; repeat from * across, end k 6 Off White.
Row 6: P 6 White, * p 5 Green, p 5 White; repeat from *across, end p 6 Green.
Rows 7 through 11: Keeping to color pattern as established, work in Stockinette Stitch (k on right side, p on wrong side)-first panel of checks completed.
Row 12: Continuing in Stockinette Stitch, p 6 White, * p 5 Green, p 5 White; repeat from * across, end p 6 Green.
Rows 13 through 18: Working in Stockinette Stitch, continue check pattern as established. At end of last row, discontinue Green.
Rows 19 through 54: With White, work in Stockinette Stitch, ending in p row.
Row 55(Dec Row): K 1, k 2 tog, k to last 3 sts, k 2 tog, k 1-1 st dec each edge.
Rows 56 through 64: Work Stockinette Stitch. Repeat Rows 55 through 64 until 54 sts remain.
Next Row: Dec 1 st, work across as established-53 sts. Work as established until 14" from beg, end with p row.
Divide for Heel: Sl 13 sts to stitch holder for right-hand half of heel; sl next 27 sts to another holder for instep; sl remaining 13 sts to free needle for left half of heel.
Left Half of Heel: Row 1: With Christmas Red, p 13.
Row 2: Sl 1, k 12.
Rows 3 through 18: Repeat Rows 1 and 2.
Row 19 (Turn Heel; Short Rows): P 2, p 2 tog, p 1, turn.
Next Row: Sl 1, k 3, turn.
Next Row: P 3, p 2 tog, p 1, turn.
Next Row: Sl 1, k 4, turn.
Next Row: P 4, p 2 tog, p 1, turn
Next Row: Sl 1, k 5, turn.
Next Row: P 5, p 2 tog, p 1, turn.
Next Row: Sl 1, k 6, turn.
Next Row: P 6, p 2 tog, p 1-8 sts remain. Cut yarn and sl sts to holder.
Right Half of Heel: Row 1: From p side, sl 13 sts of right-hand heel to left needle. K across.
Row 2: Sl 1, p 12.
Rows 3 through 18: Repeat Rows 1 and 2.
Row 19 (Turn Heel; Short Rows): K 2, k 2 tog, k 1, turn.
Next Row: Sl 1, p 3, turn.
Next Row: Sl 1, p 3, turn.
Next Row: K 3, k 2 tog, k 1, turn.
Next Row: Sl 1, p 4, turn.
Next Row: K 4, k 2 tog, k 1, turn.
Next Row: Sl 1, p 5, turn.
Next Row: K 5, k 2 tog, k 1, turn.
Next Row: Sl 1, p 6, turn.
Next Row: K 6, k 2 tog, k 1-8 sts remain. Cut Yarn.
Next Row: From p side, sl 11 sts to free need
Similar activities:Chunky-Wool Knitted Stocking, "The First Christmas Stocking", Knitting Needles, The First Christmas Tree, Christmas Time, Christmas Games, Christmas Songs, The Bells of Christmas, Christmas Is Here, Christmas Polka, Let It Be Christmas, Blue Christmas, Christmas In The Carribean, First Christmas, Because It's Christmas
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Profile: Dr. Pamela Transue
Since 1997, Dr. Pamela Transue has served as President of Tacoma Community College. She has led the evolution of the college into a 21st century learning institution that is increasingly the college of first choice for local residents. Expanded 24/7 student services, technology-enhanced learning and well-designed new buildings support students in achieving their educational goals. During her tenure the college has grown and is now serving over 19,000 students annually and approximately 9,000 students each quarter.
Dr. Transue is active in local civic improvement efforts and in regional and national professional activities. She served as chair of the board of the American Association of Community Colleges, as secretary of the board of the American Council on Education, as president of COMBASE, a national organization devoted to community-based learning, and as president of the Washington Association of Community and Technical College Presidents. Dr. Transue currently serves on a number of community boards including Tacoma Goodwill Industries, United Way of Pierce County and the Regence Blue Shield Tacoma Advisory Board. She is also a member of the State of Washington Board of Architects and is an active Rotarian. She is the recipient of the 2002 and 2010 CEO of the Year award Pacific Region, from the national Association of Community College Trustees and the 2010 CEO of the Year Award from the State of Washington Trustees Association.
Dr. Transue is the author of Virginia Woolf and the Politics of Style and co-editor of Universities in Transition: 1300-1700 as well as numerous articles.


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December 18, 2006
Washington, D.C.'s citywide HIV testing campaign has been poorly planned and is lacking in results, according to a report by the DC Appleseed Center for Law and Justice, the Washington Post reports (Levine, Washington Post, 12/16). District of Columbia health officials and HIV/AIDS advocates in June launched the campaign titled, "Come Together D.C., Get Screened for HIV," which emphasizes the importance of HIV testing. The campaign aims to reach 400,000 men and women ages 14 to 84 in the District. According to statistics presented at the Mayor's Task Force on HIV/AIDS, which convened for the first time in June, up to 25,000 people, or more than 4% of all residents, in the district might be HIV-positive. District health officials ordered 80,000 rapid HIV tests for the campaign, which organizers plan to distribute at no cost to hospital emergency departments, private physician offices, community health programs, detoxification centers and substance use, and sexually transmitted infection treatment clinics. The city will allot about $8 million for the project, some of which will go toward counseling and medical referrals for those who test positive for the virus, according to Gregg Pane, director of the city Department of Health (Kaiser Daily HIV/AIDS Report, 8/4). According to the report -- which gave the city grades ranging from B+ to D+ in more than one dozen categories, including syringe-exchange programs and grant monitoring -- fewer than 20,000 District residents have received HIV tests since the campaign began. In addition, some of the rapid HIV tests were not distributed before their expiration date and some were given to the Maryland Department of Health and Mental Hygiene, the Post reports. The report also found that:
Next Steps, Reaction
"DC Appleseed has both significant hopes about the future of the District's response to HIV/AIDS -- and significant concerns," the report says, adding "Unless the new administration gives HIV/AIDS the required attention at the highest levels, improvement will be difficult." The HIV/AIDS administration has "done a lot here," Marsha Martin, director of the district's HIV/AIDS administration, said. According to Martin, the goal of the campaign is to "raise the public health consciousness of a community about a virus," and criticism of the effort is "off base." The number of HIV tests that the city is administering is "double, triple at a minimum what we've done in previous years," Martin said. "We know there is a long way to go," Vincent Morris, a spokesperson for Mayor Anthony Williams, said, adding, "[W]e won't give up until we reverse" the HIV infection trend "and get more District residents tested, treated and educated about the terrible toll that AIDS can leave on people" (Washington Post, 12/16).
The report is available online.
Back to other news for December 18, 2006
Reprinted with permission from kaisernetwork.org. You can view the entire Kaiser Daily HIV/AIDS Report, search the archives, or sign up for email delivery at www.kaisernetwork.org/dailyreports/hiv. The Kaiser Daily HIV/AIDS Report is published for kaisernetwork.org, a free service of the Kaiser Family Foundation, by The Advisory Board Company. © 2006 by The Advisory Board Company and Kaiser Family Foundation. All rights reserved.


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Crane family still healing, thankful for community's support after 15-year-old's death
Dean Crane, father of 15-year-old Sarah Crane who died in December, says the community's support for his family has been "phenomenal."
ELKHART — Like many fathers, Dean Crane loves talking about his daughter, but not every dad has an audience with thousands of willing listeners.
Crane's 15-year-old daughter, Sarah, died in December after a five-month battle with colon cancer. The community rallied around the Elkhart Memorial High School student, who was known for her positive attitude and outgoing personality. Three months have passed since Sarah's death, but support for her family has endured.
The #SARAHSTRONG Facebook page that was initially set up to keep friends and family up to date on Sarah's health has grown to include more than 11,000 followers nationwide.
"To say it's overwhelming and humbling is probably an understatement, and I don't know what it was that struck a chord, but she definitely did," Crane said. "It humbles me to see the amount of people that daily still send us private messages or just little snippets on the Facebook page."
Related Stories
The Crane family gets messages from people from across the country who have been touched by Sarah's story, giving them hope when coping with illness and a drive to persevere through difficult times.
"The fact that she refused to surrender, she refused to bow down, she refused to say 'why me' or 'I'm done' or 'this is too much for me,' maybe that was the chord that really struck a lot of people," Crane said.
Back in July when Sarah was diagnosed with cancer, the Cranes had screen-printed about 100 purple Sarah Strong T-shirts for friends and family to show their support. Since then, thousands of the shirts have been sold from coast to coast, and often, even three months after Sarah's passing, Crane spots someone wearing a Sarah Strong shirt at the grocery store or when he's out to dinner with his wife and three daughters.
"It makes me feel good that a part of her has continued, that there's a legacy out there," Crane said. "To me, it's an honor that somebody has done that to support us, and it's a way of honoring Sarah, that she has left a positive legacy in the community, so I smile when I see them."
The outpouring of support from the community as "phenomenal," Crane added.
"How do you put into words the appreciation for something like this," he asked. "It's very difficult, very difficult to articulate the amount of gratitude our family has."


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Please note I have suspended updates on this site for the time being to focus on my website.
You can find out about my art courses in Glasgow and also purchase my latest high quality giclee prints at my online print shop.
Have a look at my site at 42southart.co.uk
FACEBOOK facebook.com/42south


text:
I am back from my holiday in Spain. It's an Absolutely incredible country… I'm so in love with it that I can't resist to show you Barcelona's interiors! Enjoy the spanish freedom!
Designcollector – 13 Years Online © 2003 — 2016 All Rights Reserved
Unless otherwise noted. I try my best to attribute images, videos, and quotes to their creators and original sources. If you see something on Designcollector that\'s misattributed or you would like removed, please contact me (firstname.lastname@example.com) The Designcollector logo and name Designcollector are the trademarks of Arseny Vesnin.


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am I over-cleaning my tank?
ok, last week i had problems with my small tank being cloudy, now my big tank is cloudy. please help- i may be making the same mistake over and over without knowing it-
tank is 30 gallons
some live plants
4 danios and three barbs in it (all appear healthy)
all water tests are normal
- i had one plant keep dropping needles (like pine needles), so i was gravel vaccuming them up- a day later, the water began to cloud. something similiar happened in my 10 gallon as well- i noticed the water majorly clouded right after a water change / gravel vac.
both tanks have power filters with activated carbon in them- i recently upgraded the size of the one on my 30 gallon to a 300 GPH model. i got rid of the plant that was shedding.
the lights are timer set for the correct amount of light.
so am i keeping my tank too clean?? is it possible that I am vacuming up the beneficial bacteria? i only did it cause I didn't want all the shedding plant leaves to decay and turn to amonnia. how often should i gravel vac?
right now I do 10% PWC weekly, and every other week, gravel vac debris. is that too much?
aafter i clean my tank the water seams cloudy to its fine
Mia - what you are doing sounds good. I wouldn't worry.
After cleaning a little clouding can be expected because the gravel ahs been disturbed and little particles in it have floated up and about.
Keep up the good work! :)
but the cloudiness lasts for a week plus, and gradually gets worse over a period of 2-3 days, its not just a temporary thing. the last time it lasted 10 days. At that rate, by the time it clears up, its time to clean it again...and the cycle of cloudiness repeats. looks like a bacterial bloom- but everytime i clean it??
My thoughts would be that your tap water is adding alot of nutrients to the tank and this is causing the bacteria blooms. And it will possibly get worse and worse over time. Some water sources change over time and with the weather and Texas has had a lot of rain in areas so this could be causing it.
The needles falling off is a sign of too little light. It might help to add a few more high nutrient sponge plants if you can to help take up the extra nutrients. I actually just went through this with one tank and green water. I think I caused it by taking out too many plants and now that I have more heavy nbutrient sponge plants back in the tank it is slowly clearing up.
It might just balance itself over time as the tank adjusts if it is an issue with the tap water parameters changing.
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Commander Lynn graduated from the U.S. Coast Guard Academy in 1997 with a Bachelor of Science degree in Marine and Environmental Sciences. After an initial tour as a Deck Watch Officer aboard the Coast Guard Cutters BASSWOOD and SASSAFRAS, both 180-foot seagoing buoy tenders homeported in Guam, Commander Lynn transferred to Marine Safety Office New Orleans, Louisiana. As a Federal On-Scene Coordinator's Representative, he led oil and hazardous materials response activities in an area with one of the highest occurrences of pollution incidents in the nation. Concurrently, he enforced compliance regulations for waterfront facilities handling dangerous cargoes. He then transferred to the Eighth Coast Guard District staff where he worked in the Waterways Management Division, providing guidance and support to units on navigation safety related missions. After two years in this position, he transitioned to become a District Response Advisory Team member where he supported the environmental response mission for the Gulf Coast region between Texas and the panhandle of Florida. During this assignment he helped administer emergency response funding for units responding to the aftermath of Hurricanes Katrina and Rita. His next assignment was Chief of the Response Department at Marine Safety Unit Savannah, Georgia, where he directed Coast Guard activities related to oil and hazardous materials response, port security, defense readiness, and waterways management.
Commander Lynn's last tour was as Chief, Facility Safety and Outer Continental Shelf Security Branch at U.S. Coast Guard Headquarters in Washington, D.C., where he was responsible for program management and oversight of policy development for field operations involving safety and environmental protection inspections at commercial waterfront facilities, the safe handling of explosives and containerized dangerous cargoes, and the security of outer continental shelf facilities. During this assignment he also supported the response to the Deepwater Horizon Spill of National Significance as the Operations Section Chief for Branch Grand Isle, Louisiana.
A native of Pittsburgh, Pennsylvania, Commander Lynn is married to the former Evie Taylor and has two children, Carlie and Murray.
"The World's Best Responders: Any Time, Any Place, Any Hazard."


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Digging Out of Debt? Fordham Law Works to Build a Better Shovel
Contact: Joseph McLaughlin
(212) 636-7576
Tamara Draut speaks at the New York City Consumer Debt Working Conference: A Blueprint for Reform.
Photo by Ryan Brenizer
In the United States, personal bankruptcy has risen from 300,000 cases a year in 1980 to more than 1 million every year since 1996. The savings rate, meanwhile, has dropped from 7 percent a decade ago to .2 percent today.
In short, more and more Americans are in debt up to their eyeballs, and the problem is getting worse.
"You can't escape the notion that we are a nation drowning in debt. It's one of those core issues that seems to touch everyone in one way or another," said Tamara Draut, director of the economic opportunity program at Demos, a public policy center in New York City.
Draut was the keynote speaker at the "New York City Consumer Debt Working Conference: A Blueprint for Reform." The daylong conversation on Thursday, June 19 brought top policymakers, consumer law experts and industry representatives to Fordham Law.
The conference, which was sponsored by the Feerick Center for Social Justice and the New York County Lawyers' Association, will produce a short report based on the event with recommendations for reforms and improvements.
"The general thought is that America has become a nation of debtors because of our love of flat-screen televisions and $4 lattes," Draut said, before explaining why that notion is misguided.
She pointed to three factors that led to the explosion of consumer debt—technological advances in underwriting, deregulation of the lending industry and growing economic vulnerability in households—all of which occurred in the late 1970s and early 1980s.
"The massive rise in debt is a tale of timing," she said. "Take away even one of these three and the debt picture in this country would look very, very different."
The first factor, according to Draut, is technically called "risk-based pricing" but amounts to price discrimination against people who can least afford to pay for what they charge.
It began when credit card companies gained the ability to access detailed financial records for applicants quickly and easily, allowing them to assign higher interest rates to people with low incomes.
"Today, one-third of all credit card holders are paying upward of 20 percent of APR, and people of color are twice as likely to be in that group," Draut said. "Of course, risk-based pricing wouldn't have been able to happen without deregulation that loosened interest rate caps and constraints on lending."
Deregulation, what she calls the second factor in America's debt explosion, began with a Supreme Court decision that allowed credit card companies to charge interest rates based on the states in which they are located, not the states where the credit card holders live. Soon, every major card company set up shop in South Dakota or Delaware, two states that have little or no restrictions on interest limits.
Finally, more households are vulnerable to setbacks like a job loss or major medical expenses due to an increasingly unequal distribution of wealth and an antiquated social safety network in the United States.
Adjusted for inflation, income gains from 1979 to 2003 amounted to 1 percent for the lowest income bracket, 9 percent for the middle bracket, 49 percent for the top fifth and 111 percent for the top 1 percent, according to Draut.
"Where is the outrage? Why are people putting up with this?" she asked. "It's not that people who find themselves in debt aren't outraged and shocked. They are. But they're isolated because we tend to view personal debt in this country as a personal problem.
"What we need is a major new social contract."
Founded in 1841, Fordham is the Jesuit University of New York, offering exceptional education distinguished by the Jesuit tradition to approximately 14,700 students in its four undergraduate colleges and its six graduate and professional schools. It has residential campuses in the Bronx and Manhattan, a commuter campus in Westchester, and the Louis Calder Center Biological Field Station in Armonk, N.Y.
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By John Crewdson
Just when you thought it was safe to turn on the TV......
It took some weeks to settle the ultimately irrelevant and immaterial question of whether Arizona Sen. John McCain, the presumptive Republican presidential nominee, was eligible to become president. Irrelevant and immaterial because, should McCain win the election, can you imagine the courts invalidating his triumph by declaring him constitutionally ineligible to hold the office to which he had just been elected? Been down that road, as I recall.
Nevertheless, senators from both parties (Patrick Leahy and Tom Coburn) and constitutional scholars of the left and right (Lawrence Tribe and Theodore Olsen) examined the law and the facts and announced that McCain, who was born to American parents in a U.S. naval hospital in the U.S.-administered Panama Canal Zone, met the Second Amendment's requirement that a president must be a "natural-born citizen."
The Constitution doesn't define "natural-born citizen;" as generations of jurists have pointed out, much of that document's brilliance lies in its ambiguity. But a little research showed that the question had actually been asked and answered way back in 1790, when the very first Congress passed a statute declaring that "the children of citizens of the United States, that may be borne beyond sea, or out of the limits of the United States, shall be considered as natural-born citizens of the United States." The Senate unanimously passed a resolution recognizing that "John Sidney McCain III is a natural-born citizen." On to more important things.
Or so we thought.
Now making the Internet rounds is a posting questioning whether McCain's presumptive Democratic opponent, Illinois Sen. Barack Obama is a natural-born citizen and therefore constitutionally qualified to be president. I suppose it was only a matter of time.
Anyway, this particular post, whose authorship is unclear, suggests that Obama is "not legally a U.S. natural-born citizen under to the law on the books at the time of his birth...". According to the poster, if only one parent was a U.S. citizen at the time of birth, the citizen-parent "must have resided in the United States for at least ten years, at least five of which had to be after the age of 16." Obama's father, of course, was not an American citizen, having been born in Kenya. That leaves his mother, who was a natural-born citizen, but who was only 18 when Obama was born, on August 4, 1961. In the poster's opinion, Obama fails the constitutional test because his citizen-mother had not resided in the U.S. for five years after the age of 16--not old enough, at the time of Obama's birth, "to qualify her son for automatic U.S. citizenship."
Now pay strict attention, because I'm only going to explain this once: Is Barack Obama a natural-born citizen of the United States and therefore eligible to become president? The answer is yes, according to Ron Gotcher, a noted California immigration lawyer and The Swamp's resident expert on presidential eligibility.
"The poster's confusion," Gotcher writes, "is over the concepts of jus sanguinis and jus soli." Under jus sanguinis, a person's citizenship is transmitted "by the blood" - by inheritance from his or her parents or grandparents. In the United States, we recognize citizenship through parentage in a number of cases.
But it is not necessary to look to the statutes that deal with citizenship through jus sanguinis, since Senator Obama's citizenship derives from jus soli - citizenship through place of birth.
According to Gotcher, "The Fourteenth Amendment commands that "[a]ll persons born or naturalized in the United States , and subject to the jurisdiction thereof, are citizens of the United States and of the state wherein they reside."
"This was clarified by the Civil Rights Act of April 9, 1866, which provided that 'All persons born in the United States and not subject to any foreign power are declared to be citizens of the United States.'"
"Senator Obama was born in the State of Hawaii two years after it became a state on Aug.21, 1959 As such, he acquired United States citizenship automatically at birth. While it is not necessary to go into all of the other legal errors contained in the posting (and there are many), the simple fact is that, with rare exceptions (children of diplomats), everyone born in the United States is a citizen of the United States at birth."
But what about the age of Obama's mother? Remember jus soli--citizenship through place of birth? (c'mon--there IS going to be a quiz). In that case--which happens to be Obama's case--the age of the parents has nothing to do with anything. Under jus soli even the children of illegal aliens are U.S. citizens at birth--just ask the pregnant women from Mexico near the end of their third trimester who try to sneak across the border in hopes their child will be born in a San Diego hospital and leave with a U.S. birth certificate clutched in his or her tiny hand.
Except for the children of diplomats, every child born in the U.S. is a natural-born U.S. citizen, period. The parents could be citizens themselves, could be from France, could be Coneheads. Nothing else matters. Only if the child is born OUTSIDE the United States to one citizen-parent does the issue of the parents' age, citizenship, or whatever, come into play.
"All that matters is that the child is born here, " Gotcher says. "This is the reason that you are hearing so much fuss in Congress about changing the law that grants 'birthright citizenship.'" But even such a law, however unlikely to pass, would not be retroactive. If Barack Obama wins the presidential election he can begin choosing the furniture for the Oval Office without watching for immigration agents over his shoulder.


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The process of buying a new Kia car or truck can seem overwhelming if you don't know where to begin. Edmunds.com can get you started on the right track with a convenient directory of Kia car dealerships in and around Lennon, Michigan. Compare online price quotes on the new or used car, truck, SUV, minivan, or wagon of your choice to locate the best deals. Edmunds.com makes it easy to find trusted Kia car dealers in Lennon, saving car buyers time and money on what will be an important purchase.
Non Display Review Name "My wife and two son's have had 10 different Kia's and Hyundai's since 2006. Have of which we bought from this dealer. The big reason my family keeps g"... Read more Review by: rabear


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Return to Tourmaster Rincon Motorcycle Jacket Product Page
Reviews by real power sport enthusiasts...your opinion counts to us and fellow riders! Make the best purchasing decision by getting the latest reviews.
Each review submitted enters you into a $100 gift card monthly drawing, and a $500 gift card quarterly drawing!
Comments On Aug 29, 2012:Ok, so I sat on the fence on jackets for the last three months. Football season starts this week so cold temps are coming and it's time to get a warm and protective jacket.
I jumped in and ordered the Tourmaster Rincon on Sunday night from my trusty friends at Rocky Mountain ATV. I ordered it with the free shipping and was shocked when it arrived to my doorstep in less than three days!
Ok, so I pull it out of the box and put it on and my wife says that it is the best looking jacket overall. It looks great! If fits great as well and I am impressed with the form and function. This is a cool/cold weather jacket and I am now looking forward to cold weather just to wear this.
Pockets, pockets and more pockets. Waterproof and a warm thinsulate liner. For the money, this is an awesome jacket! I will report back when the weather gets colder but I rode it today without the liner and it was very comfortable. My buddy has one and wrecked last spring doing 50 mph and the jacket saved his skin and elbow. That was enough to sell me!
Don't be fooled by the underwhelming pics, this jacket looks great!
Thanks again to Rocky Mountain ATV.
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Comments On Mar 14, 2011:Fits good , looks nice , and has kept me warm riding in 30 degrees. I haven't used it in the warm weather yet but the warm liner comes out and it has a lot of vents so it should be ok.
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The New Vanity Press Moguls
Welcome, Philip Anschutz! Bruce Wasserstein! Roger Hertog!
Stage 1: The tyro vanity mogul comes in with grand plans about restoring the publication to its former glory. He makes few noises about the immediate need to make money but hints that profits won't be hard to find because he brings the Midas touch to all of his investments. Quality, the mogul proclaims, will attract readers and advertisers.
Stage 2: He fires the editor and replaces him with a star (Michael Kelly, Shelby Coffey, Adam Moss), orders a redesign, and drops an expensive direct-mail package to recruit new subscribers. He expands the editorial and art budgets and moves the publication to better quarters, upgrades the paper stock, and thinks about building a publication empire, not just a stand-alone title.
Stage 3: Whoops! As fresh red ink flows, the mogul makes a few course adjustments, steering slightly away from quality to hire "names" who will write talked-about columns and during their TV appearances get the magazine's name chironed at the bottom of the screen.
Stage 4: Still losing money, the mogul reverts to his original economic instincts. "I know how to make money!" he mumbles. "I'm not running a charity here!" He cuts costs, eliminates employee perks, loses dead wood, cheapens the paper stock, increases the price of the product, reduces frequency of publication, and tightens everybody's shorts. David Bradley's Atlanticis sailing into such a space.
Stage 5: The mogul begins to doubt whether he can make money in publishing but realizes that the social standing that came with the magazine will evaporate if he cuts the budget too deeply or overmeddles in the editing. Some moguls, such as Mort Zuckerman, don't care if they become the laughingstock of the industry and proceed apace. Mort usually overcomes his depression at not making any money by firing his editor and hiring a new one and firing him, too. Already he feels better! Fire and hire again!
Stage 6: As the mogul cracks the cocoon, he must decide whether to fly or crawl or hold. Zuckerman usually crawls. At U.S. News he's cut medical benefits, closed the cafeteria, reduced the staff to bare bones, sacked the older (more expensive) employees, taken away the Christmas ham, and closed bureaus. "What Would a Slumlord Do?" guides Zuckerman. Recently, Zuckerman did what a slumlord would do, shopping for a new estate, New York, while neglecting his condemnable property, U.S. News.
Stage 7: Sometimes, just sometimes, good things happen to struggling moguls. Convicted felon Rev. Sun Myung Moon maintains a direct line to God through which he receives a steady stream of $100 bills that keep his Washington Times alive. Times officials confided in 1997 that the paper had lost $1 billion since its 1982 launch.
Stage 8: Before his losses reach the $1 billion mark, the average vanity mogul who has tired of his toy looks to unload his property on an entry-level mogul (Zuckerman to Bradley in the case of the Atlantic).
As the wheel of life turns, the cycle begins anew.
Editor/writer with ambitions to build publishing empire seeks vanity publisher with unlimited funds. Send proposals to email@example.com. (E-mail may be quoted by name unless the writer stipulates otherwise.)


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LED Lighting for eBay Product Photography
Started Feb 1, 2013 | Discussions thread
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Hugowolf • Forum Pro • Posts: 12,515
Re: LED Lighting for eBay Product Photography
Kenyon1976 wrote:
I live in rather cramped quarters so working with very hot 1000 watt light sources is uncomfortable and sometimes risky (canopy slipped one day and diffuser caught on fire).
I don't know why you would need 1000 watts. If you shooting inanimate objects, then you don't need fast shutter speeds, just a tripod and remote release. If you shooting moving subjects, like models, then you need flash.
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Democratic freeholder candidate Tracy Zur criticized Bergen County Executive Kathleen Donovan Friday, accusing her of relying on lawsuits to settle disputes such as the battle over police consolidation.
"I think the lawsuit is really unfortunate," Zur said when asked during a Record Talk Radio interview about Donovan's suit this week that seeks to block the freeholder majority's efforts to merge the County Police into the Sheriff's Office and to put the issue to a Nov. 6 referendum.
"The fact that the County Executive consistently turns to the courts to enforce her will rather than working through this in a way that is engaging in a productive dialog, really misses the point of what leadership and governing is about," Zur added.
"She (Donovan) said in her quote that she's been empowered by the voters, well, so have all the freeholders who've been elected," Zur said. "And to engage in lawsuit after lawsuit at a cost to the taxpayer…is really a waste of county resources when we really need to be working together to solve the issues and come up with the best decisions possible."
Donovan, a Republican who became County Executive in January 2011, responded in a prepared statement by defending the lawsuits, such as the one she filed earlier this year against seven Northwest Bergen County Utility Authority commissioners, seeking to recover $5,000-a-year stipends and medical benefits that she had vetoed.
"Does Ms. Zur believe that part-time commissioners should receive full-time pay and benefits with long term financial impacts that would dwarf the cost of litigation?" Donovan asked.
"Does Ms. Zur understand that some of the litigation is caused by the corruption that was inherited by the Donovan administration?" she added.
"Politicizing Law Enforcement is a dangerous and terrible idea!" Donovan said on the consolidation proposal. "Since assuming office I have saved the taxpayers of Bergen County millions of dollars and will continue to look for savings everywhere. This is not about saving the taxpayers money as there are NO cost savings."
Click here to listen to a podcast of the 30-minute interview.


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Comments about 'No surprise, wealthy kids score highest on college SATs exams'
- Oldest first
- Newest first
- Most recommended
Re: ". . . the higher the income of the test-taker's family, the better
the chances for success."
Liberals will fix that!
They'll just take points from the rich and give them to the poor -- problem solved!
At least that'll have the virtue of being consistent with their deranged economic policy.
- 9:00 a.m. Oct. 3, 2012
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Rich kids do better or smarter kids become rich? The statistics of this article are suspect.
- 9:20 a.m. Oct. 3, 2012
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@ Hemlock: Since you are talking about children who take tests while in high school, it is a fair bet that it is rich kids doing better - they really have not had much chance to become rich based on their own smarts.
- 12:35 p.m. Oct. 3, 2012
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I've long heard that SAT scores are correlated with a parent's income
and educational levels.
Additionally, when we sought advice from our Professor in education father-in-law what to look for to find good schools he said "it is very simple, buy a home in the most affluent area you can afford."
My guess is that we are doing a "decent" job in educating white middle/upper middle/wealthy class students but that we are failing miserably in educating lower middle class and poor students. I think it takes a different skill set and resources to meet the educational needs of kids living in income-challenged circumstances. Things like smaller class sizes would have a greater impact on schools located in financially challenged areas. More support staff and community resources might make a difference too. I think "it takes a village" mentality would be hugely beneficial to those households.
- 4:26 p.m. Oct. 3, 2012
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Fresno State's 180-degree football facelift was evident immediately on the first offensive snap of the game versus Weber State.
Fresno's new up-tempo, no-huddle spread offense took the first three drives for touchdowns, taking an average of three minutes, eight plays and 76 yards per drive.
It remains to be seen how Fresno State's new philosophy will impact the game Saturday against No. 4 University of Oregon, but one thing is certain: The Ducks will be dealing with a new breed of Bulldog.
Against Weber State, the 'Dogs started their first offensive drive from the shadow of their own end zone at the 3-yard line...


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RALEIGH, NC, January 20, 2009 /24-7PressRelease/ -- It was during TallGrass Distribution's Christmas party when Eric Kirkpatrick walked into the offices where he was just laid off the previous day. That is where at least a dozen former co-workers saw him shoot and kill Benjamin Banky, the CEO of a natural health products company. Perhaps the saddest part is that similar cases are likely to erupt, making workplace violence the leading concern of security directors.
In the downtown of the economy, the risk of violence rises across every industry. Everyday, there are headlines repeating the story of another company laying off employees and cutting production. This, in turn, endangers the community service workers who face a growing and more desperate client population. Increased financial pressures can also affect personal lives, resulting in substance abuse, aggravating mental health issues and the escalation of domestic violence, all of which spills over into the workplace. Essentially, the risk factors that lead to workplace violence are multiplying exponentially.
In service to the business community, Peace at Work, a non-profit dedicated to violence prevention in and through the workplace, is offers a series of free, live, online web presentations to increase awareness of potential dangers, discuss a broad overview workplace interventions and provide additional resources to help attendees develop effective prevention programs.
A wide range of situations will be explored and addressed: When a fired employee storms out, promising revenge, how long should you maintain the heightened security? What are the liability concerns of an employer whose driver uses the company truck to stalk his ex-girlfriend? How have younger assailants broadcasted their homicidal intention through social networking sites?
Schedule of Webinars (all broadcasts on Thursdays at 2:30 PM EST)
Domestic Abusers in the Workplace - January 29th
Safe Terminations and Lay-offs - February 5th
Threat Assessment Basics - February 19th
Online Threats in Assessment - March 12th
Robbery Survival - March 26th
When Ex-employees Return Months Later - April 9th
One of the first webinars focuses on surviving safe terminations and lay offs. Procedures will focus on respect for the individual while maintaining security for the employer. Setting up the meeting, communicating the news and removal of the personnel will be outlined as well as list of warning signs that may indicate an intention to commit violence.
More information and registration for these free events is available at
All attendees will receive a 10% discount on the ePanic Button, a revolutionary software program that summons support with tap of the mouse, keyboard or foot.
About Peace at Work
Peace at Work is a non-profit dedicated to violence prevention, in and through, the workplace. Johnny Lee, the founder and director, is the author of Addressing Domestic Violence at Work and was previously the Workplace Violence Specialist for the NC Office of State Personnel, the Training Director of PREVENT, UNC-Injury Prevention Research Center and the Victims Services Coordinator for the Asheville Police Department. Programs have been provided for organizations such as the NC Industrial Commission, ASSE, NC Safety Council, Society of Human Resource Managers and ASIS.


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Watch: Ray Romano's 'Son' Wreaks Havoc Backstage at 'Kimmel'
by Adam Buckman | November 14, 2013 at 10:34 AM | Jimmy Kimmel Live!, TV News
The bit revolved around Ray Romano's "son," a young man supposedly working as a production assistant on "Jimmy Kimmel Live."
In a guest appearance on the show Wednesday night, Ray thanked Jimmy Kimmel for employing his son, 20, and giving him this opportunity to gain valuable experience in the working world.
So Kimmel decided to show this proud father some surveillance-camera footage of his son's behavior backstage as he interacted with various staff members — including Kimmel himself.
The results were hilarious, as you'll see if you watch the clip — above.
One thing we're not sure of (which is why the word "son" appears here in quotation marks denoting our uncertainty): We don't know for sure if this young man is really Ray's son, despite our best efforts to find out via a fruitless Internet search.
Still, the bit worked well anyway.


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Was the whole air conditioning malfunction during Game 1 of the 2014 NBA Finals really just the result of an electrical issue in the AT&T Center? While we may never know the real answer until many years down the road, some people have already chimed in with their belief that there was definitely something conspicuous going down this past Thursday night.
AP Sports writer Tim Reynolds says Danny Green informed him that the Spurs had cooling fans in their locker room during halftime, while the Heat did not. And this isn't the only time San Antonio has seemingly gotten that extra home-court advantage when away teams come to play. Recently, Jason Terry spoke to ESPN Dallas 103.3 FM's The Afternoon Show with Matt Mosley and Tim Cowlishaw where he said that head coach Gregg Popovich has done stuff like that on numerous occasions. "I don't know if it's a conspiracy, but I'm telling you, going into San Antonio is a tough place to play," Terry said. "I can remember very well one time where it was cold showers, there were about a thousand flies in the locker room. This year, there was a snake in the locker room. So, they're going to pull out all the stops to get into your head."
With the arena's A/C becoming the primary focus for Game 2, it looks like the Spurs have already remedied the situation. Now, how else can San Antonio get into the head of Heat players prior to tonight's contest? We may find out soon enough.


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Dear Friends,
This note comes as something of an ave atque vale: a farewell since I have been invited by Dr Paul Zeleza, Dean of LMU's Bellarmine College of Liberal Arts, to take over as director of our Catholic Studies program. As part of this changeover, I am therefore relinquishing the post of Acting Director of the Huffington Ecumenical Institute which I have held since its formal inception in 2007. My letter also comes as a greeting to all those who have supported the work of the Institute since it has gradually burgeoned into life. I'm very grateful for the vision and generosity of Mr. Michael Huffington, whose hope for restored communion between East and West continues to inspire the work of the Institute; to a host of colleagues at Loyola Marymount whose work keeps us on track, to other donors; to the many speakers at our events; and especially to those many people – members of the public, faculty, staff and students, lay and clergy, Orthodox and Catholic, who have attended our symposia.
American Catholics and Orthodox live in a land of religious freedom and tolerance, and which welcomes the expression of ideas. Relations between the sister Churches of East and West are particularly warm on this side of the Atlantic, reflecting our national "can-do" pragmatism. Indeed, the official dialogue between Orthodox and Catholic Christians is probably more advanced here than in any where else in the world, which makes of America – and Los Angeles in particular – an ideal platform for inter-Church dialogue in the quest for unity. In Ancient Greece, a symposium was a drinking party – not so much a chance to get drunk as an opportunity to spend time with friends, to present and to listen to ideas, and to let new ideas emerge from those conversations. A Catholic university such as LMU is not a church, a metropolis, diocese or parish, and should not attempt to replicate them. Its own particular role is to be a place for the emergence of new ideas and new friendships, in the common search for truth. Consequently, what we seek to do with the symposia of the Institute is to complement both top-level ecumenical dialogues and the many grassroots ecumenical initiatives which flourish in Southern California and beyond.
There's a reason why a Jesuit university in particular has a keen interest in ecumenism, and a particular approach to it. From the very beginning, the Society of Jesus has sought to dialogue with people whose faith traditions are different from its own. In his Autobiography, we see the founder of the Jesuits himself, St. Ignatius Loyola, frequently engaging in what he calls "spiritual conversations." These encounters often happen over meals, and they are not attempts to proselytize but to find common ground with the other. For reasons which are eminently pastoral, we have first to focus on what we have in common before we can consider what separates us and take steps to be fully reconciled. Orthodox and Catholics live in the same neighborhoods and speak the same language; our children play together, and we work and play in the same places. We know similar joys and hopes, griefs and anxieties. Such human experiences provide the starting ground for all ecumenical encounters, official and unofficial, theological, academic, or pastoral.
St. Ignatius thought that gratitude was at the heart of all prayer, and gratitude is indeed what I feel in looking back at the work of the Institute – gratitude for conversations and fellowship. I'm also entirely honored that I as a Latin Catholic am able to hand over the direction of the Institute appropriately, to an Orthodox Christian. The disappearance of the word "Acting" from the new Director's title indicates that LMU's Huffington Ecumenical Institute, although still young, is coming into age as a regional and national institution. Son of immigrants from Ukraine, Dr. Nicholas Denysenko is a native of Minnesota, who has studied and worked in New York and Washington, DC. In previous incarnations, Dr. Denysenko was a full-time music director at St. Mary's Orthodox Cathedral in Minneapolis, and worked as a marketing professional for Augsburg Fortress and the United States Conference of Catholic Bishops. As an academic, Dr. Denysenko has taught at The Catholic University of America, George Washington University, and at Holy Cross Greek Orthodox School of Theology. Grandson of a priest, he is an ordained deacon of the Western Diocese of the Orthodox Church in America. In Fall 2010, serendipitously, we were delighted to have Professor Denysenko join LMU's Department of Theological Studies as assistant professor of sacramental theology. His current areas of research include the Blessing of Waters in the Byzantine Rite; ecclesiology in ordination rites; contemporary pastoral liturgy; herpetology; the Christmas and Lenten Liturgical cycles; Mariology in Liturgy; the Ukrainian famine of 1932-33, and Faith. He is a prodigious scholar and has published many articles in such prestigious journals as Logos: A Journal of Eastern Christian Studies, Studia Liturgica, Theological Studies, and St. Vladimir's Theological Quarterly. On campus, Dr. Denysenko has already become a wonderful resource for Orthodox students and has begun building an LMU chapter of the Orthodox Christian Fellowship – one of the few in a Catholic university and the first one in any Catholic college west of the Rockies.
Although this letter is in part a farewell, I will not be disappearing however from the work of Catholic-Orthodox dialogue. In fact, in my new position in Catholic Studies, I look forward to even greater collaboration between Catholics and Orthodox - on this campus, in Southern California, and beyond. I'm happy to say the work of the Huffington Ecumenical Institute is international in its ambitions: this summer I will be traveling to Bucarest to present a paper on Eastern Rite Christianity in the United States, at the 21st Congress of the International Society of Jesuit Ecumenists. We also look forward to welcoming international speakers in future events hosted by the Institute.
One of the joys – as well of the challenges – of the Institute's unique work is that it has no established road map. Each of our events is a first of its kind. The poet Antonio Machado wrote,
As we walk along, there is no path.
We make it as we walk it.
It is by walking a path that we make it.
Only when we stop and look back
Can we see that path
We no longer have to discover again.
Much of these words apply to ecumenism, the hard work of finding the path of love. I ended the groundbreaking 2010 "Women and Church, East and West" symposium with the Spanish saying nuestra casa es su casa. Literally, "our house is your house," the words also mean "welcome and please make yourself at home." As such, the simple phrase is a reflection of the Incarnation, through which the Trinity invites us to make our home in God as God makes his dwelling in our humanity.
This year, my concluding comments at our War and Peace symposium – the first ever such ecumenical conference on the topic – made use of another Spanish saying: dime con quién andas, y te diré quién eres. "Tell me who you walk with, and I will tell you who you are" expresses in folk wisdom what theologians say in technical jargon: communion indicates being. When we are fully in communion, we are fully alive. In various ways, that is true of the great mysteries of - the Trinity, the Incarnation, and the salvation of humankind. Ecumenical progress as a sort of walking together, and becoming together. It's also a mystery, not only in the usual sense of something unknown, but also in a more technical sense. Our conversations – the very fact that we are gathered together around a shared concern – are mysteria. In Catholic dialect, they are sacramental signs and instruments of grace. So let us keep on walking together, whether two steps forward and one back or sometimes the other way around, but together in being, and together in faith.
Rev. Dorian Llywelyn, S.J.
Acting Director, 2007-11


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2006 Notre Dame Fighting Irish Basketball Preview
2006 Notre Dame Fighting Irish Basketball Predictions
It's been three straight seasons of missing the NCAA Tournament for Notre Dame. This year, the Fighting Irish will once again be hard pressed to go anywhere other than the NIT. Can anyone step up and change the team's chances for a tournament berth? A few players could help the Irish get back on track.
Point guard Chris Quin (17.7 PPG, 3.8 RPG, 6.4 APG) is gone and that means that sophomore Kyle McAlarney (6.6 PPG, 1.7 RPG, 2.5 APG, 46.6 FG%, 90.9 FT%) will be leading the team on the court. He's an accurate three-point shooter. Senior Colin Falls (13.8 PPG, 2.2 RPG, 1.7 APG, 39.9 FG%, 79.7 FT%), also a fine three-point man, will be shooting even more this season. There are three freshmen guards, with Joe Harden offering the most as a shooter and Tory Jackson the most at point.
Swingman Russell Carter (11.5 PPG, 5.1 RPG, 1.5 APG, 45.3 FG%, 68.1 FT%) can score quickly and grabs rebounds with surety. He can also hit threes. Freshman Luke Harangody is big—6' 8" and 255-pounds—and averaged 26.6 PPG and 12.8 RPG in his senior year. He's expected to contribute immediately. Both sophomore Luke Zeller (3.4 PPG, 3.1 RPG, 1.0 APG, 36.4 FG%, 47.1 FT%) and junior Rob Kurz (6.4 PPG, 5.1 RPG, 0.6 APG, 46.6 FG%, 77.3 FT%) will be asked to finally reach their potential. If they can, it will greatly help the Irish up front.
Coach Mike Brey (16- 14 overall, 6- 10 Big East; 118- 70 in 6 years) returns with the hope that last season's tough lessons will be used well by the team. Brey is optimistic that his veterans will perform well. For the Irish to succeed they must play much better defense and control the boards.
If anything, this team is motivated by it's three-year exclusion from the Big Dance. The Fighting Irish will certainly fight, but do they have the bulk, depth and talent to pull themselves out of the doldrums? Their frontcourt is especially worrisome. Will they get a NCAA Tournament bid? Only time will tell.
If you want more info on the 2006 Notre Dame Fighting Irish College basketball team check out the NCAA's official basketball team page of the program or check out some rival previews from Maddux Sports of schools like the Providence Friars and Seton Hall Pirates.


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May 6, 2016
Three employees are tied up during an armed robbery at the Pine Tree Spa.
Rockford police say two Asian men one armed with a handgun and one with a shotgun entered the store at 4315 East State St. around 2 a.m. Monday.
After tying up the employees they took off with money.
If you have any information, call your area Rockford Area Crimestoppers at 1-888-769-STOP.
Click Here to access the online Public Inspection File
Viewers with disabilities can get assistance accessing this station's FCC Public Inspection File by contacting the station with the information listed below. Questions or concerns relating to the accessibility of the FCC's online public file system should be directed to the FCC at 888-225-5322, 888-835-5322 (TTY), or firstname.lastname@example.com.


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April 1st, 2011
While you're frying up some eggs and bacon, we're cooking up something else: a way to celebrate today's food holiday and the most delicious finds on TV.
Brie-ng it on: April is National Grilled Cheese Month. We know it's hard, but try to curd your enthusiasm.
Whether it's plastic-wrapped Kraft squares and white bread, with a schmear of grape jelly (seriously, it's a thing) or all fancy pants with fontina and gruyère - in the wise words of T.I., you can have whatever you like.
Say cheese, and let the gouda times roll!
What's on TV?
Rachael Ray's Tasty Travels" - Cooking Channel, 11:30 a.m. EST
"Julie & Julia" - Starz Edge, 11:50 a.m. EST
"Cooking for Real" - Food Network, 4 p.m. EST
"Chuck's Day Off" - Cooking Channel, 6:30 p.m. EST
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text: Down on Canal Street, Mayor-elect Bill de Blasio has set up a tent for New Yorkers to "talk transition." Among the activities: Writing your wishes in marker on nametags and slapping them up on the wall. Dodge & Burn's Victor Jeffreys went down to check it out and see what New Yorkers are asking for.


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If you've lost your pet, post a notice here. If you've found a pet, or you work for a veterinary hospital or shelter that has taken in a pet, please post it here. Feel free to look through both listings and try to find a match yourself–we will also have volunteers working on this page to try to connect people with their pets.
If you need help, please view the Instructions page, or you can email us. Please keep in mind we are all volunteers, and we'll respond to you as soon as we can!


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Our research publications are registered in Cristin. The last years' publications are accessible through the table to the right.
Master theses will, from 2012, be available electronically via Daim, unless they are confidential.
All PhD theses are public and can be requested from the NTNU Library. Many of the these are also available for download in Diva.
PhD Theses
New book in Risk Assessment by Professor Marvin Rausand
With its balanced coverage of theory and applications along with standards and regulations, Risk Assessment: Theory, Methods, and Applications serves as a comprehensive introduction to the topic. The book serves as a practical guide to current risk analysis and risk assessment, emphasizing the possibility of sudden, major accidents across various areas of practice from machinery and manufacturing processes to nuclear power plants and transportation systems.
The author applies a uniform framework to the discussion of each method, setting forth clear objectives and descriptions, while also shedding light on applications, essential resources, and advantages and disadvantages. Following an introduction that provides an overview of risk assessment, the book is organized into two sections that outline key theory, methods, and applications.
Introduction to Risk Assessment defines key concepts and details the steps of a thorough risk assessment along with the necessary quantitative risk measures. Chapters outline the overall risk assessment process, and a discussion of accident models and accident causation offers readers new insights into how and why accidents occur to help them make better assessments.
Risk Assessment Methods and Applications carefully describes the most relevant methods for risk assessment, including preliminary hazard analysis, HAZOP, fault tree analysis, and event tree analysis. Here, each method is accompanied by a self-contained description as well as workflow diagrams and worksheets that illustrate the use of discussed techniques. Important problem areas in risk assessment, such as barriers and barrier analysis, human errors, and human reliability, are discussed along with uncertainty and sensitivity analysis.


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The Insane-ist Extra-Long Condom Ads You'll Ever See.
(click ads twice, via) Seriously. Look at these fucking (literally) illustrations for Adam brand large condoms (a product of Indian pharmaceutical company Morepen Laboratories Limited). Forgot the long-distance copulating. Look at: The frog wearing one sneak looking for his micro-penis with a magnifying glass; the mouse doggy stylin' a drunk cat; and ants lassoing a chicken-football wearing one Converse sneak. Agency: Publicis India.
Previous large condom ads:
• It's raining (se)men.
• Manix condoms: for three-legged men.
• The condom flash mob of Spermatozoa.


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Former residents, foreigners include stop in Balboa Park
BALBOA PARK Old Saint Nick wasn't the only traveler making his way to sunny San Diego on Christmas Day. Many from across the country — and across the world — made San Diego a Yuletide destination.
A major destination was Balboa Park. With summerlike weather, the park drew visitors, like Jethro Sepulveda, his significant other, Eunice, and their young daughter. They are visiting from Mexico.
"Our relatives are in another country and in another city," Jethro said. "We weren't able to visit them. It was either stay home or go out and enjoy the day. We chose to go out."
And it appears a walk through Balboa Park may become a family tradition.
"We're not much for traditions an all, so we didn't plan anything," Eunice said. "We just came here to have a nice day. We're always working, and since today was completely free for two of us, we thought it would be fun to take our daughter out and see nature and have a nice, fun day.
"We feel very happy like this. It would be a nice tradition to come to a place like this each year."
Jethro said he agreed: "Every December 25, come to Balboa Park and hang out."
Marquerita Hottinger from Fort Wayne, Ind., also took a Christmas stroll through Balboa Park with her daughter, Molly. Molly is a former San Diegan who lives in Florida.
"It's convertible weather in San Diego," Molly Hottinger said. "I used to live here and now I come here from Florida to visit. We come to spend Christmas with friends and family. I've been coming to San Diego for 23 years. I like to come back to San Diego for each Christmas."
Marquerita said that a walk through the park was a delightful break from the hectic pace of the Christmas season.
"We've just been running around all over," she said.
Even those who don't celebrate Christmas made San Diego a destination.
Sara Benbrahim and Abgeslam Chekkouri moved to America's Finest City from Morocco — a country where Islam is the majority and constitutionally established state religion.
Benbrahim and Chekkouri have been living in San Diego for two years.
"We're from Morocco. I know, it's far. We don't really celebrate Christmas in Morocco," Benbrahim said. "I don't personally celebrate Christmas, but I enjoy all the spirit around it," Benbrahim said. "People are nicer around Christmas. Kids are outside with their parents, enjoying the day."


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Fr. Seraphim Holland of St. Nicholas Orthodox Church in McKinney with the assistance of Fr. Dn. Nicholas Park is organizing a prayer vigil for Orthodox Christians of DFW on 2 days during the 40 Days for Life Prayer Vigil in McKinney.
"Forty Days for Life"
McKinney Texas, February 22 – April 1, 7am – 7pm
Planned Parenthood 1720 W Eldorado Pky, Ste 106, McKinney, TX 75069
A nationwide prayer vigil to end legal abortion and heal all those involved in abortion.
Orthodox Christians will gather to be the only guaranteed prayer support on the following days and times.
Mar 6, Tue, 7am-7 pm
Mar 17, Sat 7am – 3pm
A Public Calendar has been set up. You may use it to look at staffing for the two "Orthodox days".
1. Please go to the following link: http://tinyurl.com/orthodox40dayscal
2. You will see a full month calendar displaying. Set the Display to "Week" using the link at the top right, and the arrows at the top left to display Mar 6 or Mar 17
3. You can come at any time, but if you can, please look for blocks where there are less than 2 people signed up.
4. Note the times you want to sign up for and send email or call/text Fr Seraphim. Please include your email, which not be published, but will used to correspond with you and confirm the times you are signed up for.
Planned Parenthood is Located in the business strip at the northeast corner of Medical Center Dr. and Eldorado Pkwy.
Please do NOT park or enter the property (business strip) where Planned Parenthood is located. You may park at the Steak and Shake across the street. Stay on the public sidewalk.
Contact: Priest Seraphim Holland, St Nicholas Orthodox Church, McKinney TX
Fr Seraphim will be onsite all day.
Email: email@example.com
Phone/text: 972-658-5433


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There is no such thing as 'a Yamaha track' anymore. Now all tracks are Honda tracks, when Pedrosa won't win, Marquez will.
For years Yamaha have not paid any attention to power deficit, always relying on their riders (first Rossi, then Lorenzo) to make time in the corners by taking more risks.
Now they pay the price of their incompetence. HRC gonna put the tuning fork company out of tune this year.


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There is not best team formation actually, but you can customize your team with higher HP card on the front and long-range card on the back. If possible, you can upgrade your healer and let the healer on the back to heal your warriors.
The nine classes with unique skills sometimes got me confused. I'm wondering hot to fit them best in a 5-member team?
There is not best team formation actually, but you can customize your team with higher HP card on the front and long-range card on the back. If possible, you can upgrade your healer and let the healer on the back to heal your warriors.
I Am MT is the kind of game, without a proper team formation or battle array, you may fail in the simplest levels. So here we'd like to provide newcomers with a brief guidance. Please refer to the following photo, on which numbers represent the attack sequence. Here is our recommendation on battle array.
Position 1: DPS, such as Shaman, Rogue, Thief, Tyran.
Position 3: Tank, such as MT, Lady, Druid, and Barrel Bull.
Position 5: Based on enemy card at Position 6. If it's an inferior monster at Position 6, Position 5 could be a low HP DPS. If a might DPS is at Position 6, then Position 5 better be a high HP DPS or a healer.
Position 7: Healer or DPS
Position 9: Ranger DPS, such as Hunter, Mage, Beauty, Brick, and etc.
Position 11: Great Healer, such as Qriest and Rustbeard.
What the above offers is just a general idea. Of course you may try other layouts in order to get a thorough comprehension. Regardless, the most important thing is that you collect as many as cards as possible and make best use of them by well balancing their overall attacking and resisting abilities. In this case, you won't have a problem completing the Normal Dungeons, but it's still imperative to employ some tactics when you go through much more challenging Elite Dungeons.
Last edited by timmyfeng; 05-16-2013 at 01:36 AM.
Thanks for the great thoughts Timmy! I do have some additional thoughts based on my experience.
1 - Magical Tank (Other than Elder Sister) - I use Lady. I feel like putting a magical tank here is the best way to spread the healing out in the round (see my position 7 thoughts)
3 - I usually save this spot for a tank, a thief/rogue or Elder Sister. I generally don't like using two paladin in a battle unless the second is a Elder Sister.
5 - Tank, I usually use MT
7 - Healer. As stated in another thread, I think have a healer at 1 (tank) and 7 (Qriest) is the best combination to protect against enemy criticals. I use Qriest and don't recommend any others.
9 - Powerful Crit - Thief/Rogue (great spot for a Purple Thief/Rogue)
11 - AOE character - This way if your 9 spot card hits a crit you can get lucky and use this card to follow with a kill. AOE characters should always be in the back row.
Additional thoughts!
Often when picking a friend for the sixth spot you can't get the ideal character or our saving the ideal character for a more powerful dungeon. When this happens, if i need help to beat the dungeon, I normally put my 9 spot character (thief/rogue) into the 3 spot and then put the whatever character into 9. Two AOEs is better than two healers in general, but both can work.
When grinding on a level i know i can beat without a friend, I put the friend in the 3 spot and just let it die so i can keep my thief/rogue in the 9 spot.
Just my thoughts, would love to hear others!
Last edited by Mrakfire; 05-19-2013 at 12:23 PM. Reason: Spelling
It really depend on what you have. For me I didnt have a great start my rune summons are Vem'tharak (Physical Tank) and Blood Golem (Magical Tank).
For Spot 1 I always use a tank (either MT or Blood Golem depending on the dungeon)
For Spot 3 I use Vem'tharak (Most Hp that can withstand the most damage since this is the spot that gets hit the most most of the time)
For Spot 5 since now I have Lady I put her there
For Spot 7 i put Qriest
For Spot 9 depending on the Dungeon. If the enemies can attack back row with physical damage I put Druid here and replace Spot 5 with a friend helper with decent hp that wont die easily (preferably not a Mage...)
For Spot 11 i put Hunter.
This works out quite well for most dungeons. I also switch in Ambassador to grind dungeon faster (in Spot 9 in dungeons where bosses has no back row attack and only Qriest can do the job)
Im currently stuck at Mausoleum -Kruvarok. The monsters here spam AOE skills and Qriest dies most of the time...
My team isn't all that great but here it is:
Kraak'Thar- Level 58
Snowmane Lvl 32
Migraine Lvl 21/Tyran Lvl 31 (I interchange them)
Overseer Lvl 36
MT Lvl 30
I'm also fostering a Brick and Lady. (Fostering means training them right)
How many hours have you dived in I Am Mt? What's your team power now? Showcase your most powerful formation and compare who's forged a better team.
This is my current team, power is 8446
lvl 60 Lady Blue Elite (leader)
lvl 43 Brick
lvl 36 Warlock
lvl 40 Tyran
lvl 33 Hunter
Level 41
lvl 67 Barrel Bull
lvl 65 Qriest+1
lvl 60 Annaristia+
lvl 44 Lady
lvl 30 MT (just to use up the points)
How many healers are people out there running with? i usually run with 2 but seem to see alot with one 1, how is that going
UName: ice
For now I'm grinding dungeons with this team:
Lv 75 Hunter max
Lv 70 Shaman +2
Lv 74 Ambassador
Lv 70 Qriest +2
Lv 60 Vem'tharak


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Miami, November 10, 2010 -
The 27th edition of the nation's finest and largest literary gathering, Miami Book Fair International, presented by the Florida Center for the Literary Arts at Miami Dade College (MDC), will take place November 14 - 21, 2010, at the college's Wolfson Campus in downtown Miami. The popular Street Fair runs Friday through Sunday, Nov. 19-21 with more than 200 exhibitors from around the country selling books in a festive atmosphere. This year, the Fair will celebrate the literature and culture of Mexico.
This year's Book Fair will kick off on Sunday, Nov. 14, at 5:30 p.m. with an Inaugural Ceremony, free and open to the public, at the Wolfson Campus Auditorium (Building 1, second floor). The program will include remarks by Fair organizers and Mexican dignitaries, as well as appearances by Mexican actress Alma Muriel, pianist Virginia Covarrubias and folkloric dance troupe Ballet Mexcaltitán. There will be a complimentary reception immediately following the ceremony (Building 1, fourth floor terrace).
The festivities will continue with a presentation by one of the most recognized and acclaimed voices in Spanish literature, Mexican author Carlos Fuentes. A guest author at the third Fair in 1987, Fuentes now returns to discuss his remarkable life and literary career that spans more than 50 years. The event will take place at 7:30 p.m. at the Wolfson Campus Chapman Center (Building 3, second floor) in Spanish with simultaneous English interpretation. Tickets are $10 each.
To purchase tickets, for more information and updates, please visit the MBFI website at www.miamibookfair.com, call 305-237-3528, or email email@example.com.
Miami Book Fair International is the largest and finest literary gathering in America. It is the premier event of the Florida Center for the Literary Arts at Miami Dade College. The Center promotes reading and writing throughout the year by consistently presenting quality literary activities open to all in South Florida. Literacy projects target children of all ages—from kindergarten to high school—as well as college students and adults. Established and emerging writers from South Florida and all over the U.S. read, lecture, and teach workshops. They work with K-12, MDC students, and diverse members of the community, helping to deepen their understanding of literature, and encouraging the work of writers at all stages of development. The Center envisions South Florida as a nexus of literary activity in the Americas and beyond, and will continue to champion its mission of promoting the advancement and appreciation of the literary arts in all forms.
Miami Book Fair International is made possible through the generous support of the State of Florida, Department of State, Division of Cultural Affairs, the Florida Arts Council, the National Endowment for the Arts, and the Recovery Act; the City of Miami; Miami-Dade County Department of Cultural Affairs and the Cultural Affairs Council, the Miami-Dade County Mayor and Board of County Commissioners; City of Miami, The Children's Trust, Peacock Foundation, Inc., Publix Super Markets Charities, Miami Dade County Public Schools; the Greater Miami Convention and Visitors Bureau; the Miami Downtown Development Authority, the Alvah H. and Wyline P. Chapman Family Foundation, Inc., the Kenneth A. Lattman Foundation, and the Friends of the Fair.
The Book Fair's corporate sponsors as of this date include: Blue Cross and Blue Shield of Florida, American Airlines, Bank of America, Land O'Lakes, Google, Hyatt Regency Miami, Miami Parking Authority, Miami Dade Transit, GEICO, Florida Power & Light, Mystery Writers of America, Southeastern Recycling, The Children's Trust, Barefoot Wine, Cirque du Soleil, Rums of Puerto Rico, Ford Fiesta, Diamond Book Distributors, Google, First and First Southern Baking Company, and ProTranslating. The 2010 media sponsors include: The Miami Herald and El Nuevo Herald, CBS4 and TV33, Univision23 and Telefutura69, BookTV on C-SPAN2, Univision Radio, WLRN Public Radio & Television, WPBT Channel 2, WDNA 88.9 FM Public Radio, Classical South Florida 89.7, WIOD Newsradio 610 AM, Diario Las Americas, PODER Magazine, Caribbean Today, Miami New Times, South Florida Times, Graphicnovelreporter.com, Granta US, FUEL Outdoors, Prestige Public Relations, and the Welcome Channel.
Miami Dade College has a long and rich history of involvement in the cultural arts, providing South Florida with a vast array of artistic and literary offerings including The Miami Book Fair International, The Florida Center for the Literary Arts, The Miami International Film Festival, the Cultura del Lobo performance arts series, The Cuban Cinema Series, the Miami Leadership Roundtable speakers' series, numerous renowned campus art galleries and theaters, and the nationally recognized School of Entertainment and Design Technology. With an enrollment of more than 170,000 students, MDC is the largest institution of higher education in the country and is a national model for many of its programs. The college's seven campuses and two centers offer more than 300 distinct degree programs including baccalaureate, associate in arts and science degrees and numerous career training certificates leading to in-demand jobs. MDC has served nearly 2,000,000 students since it opened its doors in 1960.
Media-only contacts:
Juan Mendieta, 305-237-7611, firstname.lastname@example.com, MDC communications director Tere Estorino Florin, 305-237-3949, firstname.lastname@example.com, MDC media relations directorSue Arrowsmith, 305-237-3710, email@example.com, media specialistTarnell Carroll, 305-237-3359, email@example.com, media specialistAlejandro Rios, 305-237-7482, firstname.lastname@example.com


text:
Search Swinburne Research Bank
Please use this identifier to cite or link to this item: http://hdl.handle.net/1959.3/18965
- Title
- Reassessing the Tampa
- Author(s)
- Mares, Peter
- Abstract
- Today, the Tampa affair is generally seen through two lenses. It is viewed as a key moment in political history---the masterstroke of Australia's wiliest Prime Minister to secure victory in the 2001 federal election---and it is regarded as a major blemish on our human rights record, a moment when Australia defied international opinion and betrayed its history as a liberal, tolerant nation. While neither view is entirely wrong, both can be misleading. When we view the Tampa through the first lens, as political history, it is easy to forget that the Prime Minister's stand was a high stakes gamble that nearly went awry. To see the Tampa affair through the second lens, as an event out of keeping with Australia's liberal traditions and good international standing overlooks the continuities with past approaches to asylum seekers and underplays the similarities between Australia's actions and the treatment of 'boat people' by other developed nations.
- Publication type
- Book chapter
- Research centre
- Swinburne University of Technology. Faculty of Life and Social Sciences. Institute for Social Research
- Source
- Yearning to breathe free: seeking asylum in Australia / Dean Lusher and Nick Haslam (eds), Part 2, chapter 4, pp. 52-63
- Publication year
- 2007
- Keyword(s)
- Asylum; Australia; Government policy; History; Human rights; Psychology
- Publisher
- The Federation Press
- 9781862876569, 1862876568
- Publisher URL
- Peer reviewed


text:
Please note : All events are on Eastern Standard Time.
Positive customer relationships are built by creating a great user experience. That journey encompasses each interaction JCCs have with the people, programs, services and facilities that they offer. Discover how hiring, new staff on-boarding, and linkage between staff and net promoter index will lead to an optimal user experience.
Presenter: Brian Soileau, Consultant | Health & Wellness/Membership Services
Registration URL: