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The Enemy Within
Who are we more afraid of: enemy combatants or federal courts?
And in the end, this is the fight between the majority and the dissent: Kennedy and the justices who signed his opinion (David Souter, John Paul Stevens, Stephen Breyer, and Ruth Bader Ginsburg) are worried about the very real risk of a lifetime of mistaken imprisonment. And the dissenters (Scalia, Roberts, Clarence Thomas, and Samuel Alito) are worried about the risk of ... what? Not an actual mistaken release, but a day in court. The big threat here is of federal court review that may—somewhere far down the line, and at the moment entirely hypothetically—result in the release of a detainee or (more attenuated still) the disclosure of a piece of hypothetical information that could help the terrorists in their fight against us.
Six years of no trials, in the eyes of the dissenters, is more than justifiable in the hopes of dozens more years of no trials. And it's precisely that sense of time passing without consequence that so infuriates the majority. Justices Kennedy, Breyer, and Souter each observe in their opinions today that the passage of so many years while detainees waited and watched was preposterous. This is not some demented Supreme Court prematurely racing into a war zone with morning breath, uncombed hair, and misguided good intentions. This is a deliberative Supreme Court saying that it's been standing by for six long years. That's how long it's been since the Bush administration started doing battle with the federal courts alongside its battle against the enemy. Responding to the dissenters' fatuous complaint that the majority should have waited to see how the tribunals played out before ruling on their constitutional infirmity, Kennedy observes that, as yet, the game still hasn't even started, and "the costs of delay can no longer be borne by those who are held in custody." As David Barron points out at "Convictions," the court is saying that if Congress wanted to suspend the right to habeas, it should have done so, clearly and definitively. The court is also saying that six years of detainee victories that—for all the change on the ground at Guantanamo—might as well have been losses are not exactly a ringing endorsement of the American legal system.
Justice Scalia, meanwhile, is banking on someday cashing in the "I told you so" chit he wrote for himself today. In the event that one of the prisoners who has suffered years of abuse and mistreatment at Guantanamo is someday actually released following a federal habeas proceeding and blows something up, Scalia wants to be able to point at Justice Kennedy as the man who let him go. Or if in the course of a someday trial, a piece of evidence is leaked that somehow strengthens a terrorist group, he can blame Kennedy for his blind faith in the federal courts. The dissenters here are unwilling to bear the risk that any of the 270 men at Guantanamo—among them people who were grabbed as teens and others who claim actual innocence—go free. And, indeed, reasonable people can disagree about whether that risk is too much to bear. But Scalia and his dissenting friends today made clear that this is not the risk to which they most object. What they cannot accept is the risk that their brothers and sisters on the federal bench—with decades of judicial experience and the Constitution to light their way—might now do what they are trained to do: hear cases.


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Unsatisfied with textbooks, MiraCosta prof brings her style to YouTube and makes fans worldwide
Where to see the videos
Oceanside Math professor Julie Harland doesn't like how most math books are written. Their explanations are sometimes cryptic, and they often move to a new subject too quickly for students to fully grasp the concepts.
Enter YouTube.
Harland, who teaches math at MiraCosta College, has, under the moniker "Your Math Gal," expanded her audience from the classrooms on the community college's campus to prisoners, people in Asia and the Middle East and just about anybody with an Internet connection.
Her videos break down concepts slowly, giving struggling students or anyone who wants to learn a chance to wrap their minds around arithmetic.
"I've never really been that satisfied with the way math was explained for students," she said. "I like to explain things one step at a time. ... Start slowly with the basics and move to more difficult problems."
The videos, usually about 10 minutes long, go through a plethora of mathematical subjects, from algebra and calculus to science-oriented math and trigonometry. She even has a category for "fun math videos."
Thousands of Internet surfers navigate to her pages each week, and her 500 videos collectively have received more than 1 million views, a number she says she has trouble grasping even as a mathematician.
Many of those viewers send her emails or leave comments.
"I am so glad I found you," one video watcher, who identified himself as William Warner Sr., wrote in November 2010. "I am 62-years-old and attend Southwestern Community College with a desire to go to a university. ... I was having problems, but now I believe I can make it with your videos."
Some have found other uses for the videos.
"I'm a 9th grader in my first year of being home schooled by my parents in NYC," says one viewer. "Some things me, nor my parents can fully grasp from our textbooks and your videos are perfect for reinforcing what my books fail to elaborate on clearly."
What are her videos good for in day-to-day life? Learning math, and not much else, she'll tell you.
"There's been a real push in education for more real world examples ... I think it's artificial," Harland said. "I personally like doing math, because it's fun for me. ... The bottom line is most people aren't going to use specific examples of real world experience in (their daily lives).
"I've never had to, except in my teaching, use the quadratic equation."
She credits the volumes of Web traffic to making math approachable.
"I think that I'm really good at explaining things well," she said. "Somebody might do two videos on solving the quadratic equation, I would do like eight."
Harland produces most of the videos from her Carlsbad home, using software program Camtasia.
The medium lets her broadcast to different continents.
"I get comments from people all around the world," Harland said. "It's really, really fun to realize how far reaching this is."
She said she has gotten feedback from viewers in the Middle East and Africa.
Harland has had two requests to use her videos to teach math to prisoners, including at a maximum-security prison in Washington — though those don't count toward her total page views because she had to send raw video files.

subset: commoncrawl


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Patrick's Barn: Tying Up Loose Endscomments (0) August 31st, 2012 in Blogs
Every year about this time, I get a little anxious. Shorter days and yellowing crabgrass remind me that fall is just around the corner. Fall isn't really the problem. My annual anxiety is because I've put off painting some part of the house that I said I'd get to months earlier.
This year instead of burying my head in my homestead's sandy soil, I decided to hunker down and get the painting done before cold temperatures and short days would be a problem. This weekend, I painted our home's front door and I finished cutting in and painting the remaining parts of the barn that I couldn't roll.
Likley, the last big push before cold weather, will be siting, grading and planting the rain garden that we agreed to as part of our barn's building permit. Our home and new barn is close to a small stream, so the town asked that don't contribute to erosion problems with our new barn's roof water.
The engineer we hired to help with permitting, designed a series of buried concrete infiltrators that would recieve the barn's roof water by means of gutters and underground pipes. The concrete infiltrators would hold and slowly release the water into the soil in a controlled manner. The whole plan seemed counterintuitive when we heard about it, so my wife who's an avid gardener, suggested a rain garden instead. Unfortunately, the engineer admitted having no experience with rain gardens, so we reluctantly agreed to the concrete boxes just to keep things moving along.
In subsequent weeks, while we framed the barn's shell, my wife researched rain gardens and presented an alternate plan to the town. She drew up a design, based on the square footage of our barn's roof and selected appropriate native plants. The town not only agreed, they seemed pleased at the prospect of somebody using roof runoff as a resource, instead of an engineering problem. I've asked my wife Carol to help me tell this part of the story in the coming weeks.
You can read more about my barn here.
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Name: Joshua Nixon
Cohort: Continuing Research Rookie
Major: Geology & Environmental Geosciences
Hometown: Country Club Hills, Illinois
Faculty Mentor: Dr. Melissa Lenczewski
Read Joshua's Blog
Project Title: Analysis of Antibiotic Prevalence in NIU water
Project Overview: This project focuses on evaluating not only personal usage of antibiotics on a large scale; but also the amount of antibodies that enter the water system will be studied. With the creation of new or updated antibiotics being continuous, there is a need to quantify the amount of antibodies in the water that we use and in the average human body. There is also a concern on how the antibodies could affect other organisms that use the water. This is all a matter of concern because of the pharmaceutical industry. As humans and livestock use more and more antibiotics, the bacteria that the antibodies fight become more resistant. The resistant bacteria grow more resistance bacteria and cause an entire population of bacteria that will not die to standard medicine. From here, the pharmaceutical industry makes more antibiotics to fight the new population. The cycle repeats. This leaves the pharmaceutical industry in profit and with a guaranteed position in everyday life. This project should bring light to overuse of antibiotics and increase knowledge about how these affect not only humans but also other organisms and the environment.
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Welcome to my new web site. I can now post new products much more quickly and serve you more efficiently. Thanks for your patience!
Charles Faulk, Registered Piano Technician, Piano Technicians Guild, is a pianist, piano technician, and professional woodworker. He has 38 years experience in piano manufacturing, piano restoration, and concert level piano work.
Mr. Faulk has been making piano tuning levers since 1996. Over the years these tuning hammers have evolved from titanium based tools to carbon fiber and metal (titanium and aluminum)/carbon fiber products. From the point of inception, his goal has been to produce levers that are lightweight, well balanced, and aesthetically pleasing to the eye. He has also redesigned the tuning head to eliminate the point loading problems of conventional tuning hammers caused by the narrowing of the tuning shaft at the threaded end.
CF-AR tuning hammers: This is one of the newest products in my line. It features an outer tube of .095" wall aluminum tubing with an inner core of carbon fiber tubing. The big benefit of this thick walled aluminum tube is that it can be threaded. The tuning heads on these levers are threaded and can be replaced easily. This feature will be a great benefit to those of you who change out tips regularly in the field.
CF-TR tuning hammers: The CF-TR has the same features as the CF-AR, but the outer tube is made with .065" walled titanium. Again the threaded design makes it great for changing heads quickly.
The key striking tool is made with solid PVC and has a thick leather pad which contacts the key surface. It fits in your palm. By placing your forefinger close to the leather pad, you can orient your location on the key by touch without having to look down at the keyboard. This tool will prevent damage to your finger joints.
These beautiful hand knitted tuning hammer socks are made to fit handles with a ball end. Handmade by Barbara Bauguess in Grand Junction, CO, they come in four different colors. They are made with Peruvian, washable yarn.
Thank you for visiting FaulkPiano.com. Over the last 17 years, I have developed an array of tuning hammers dedicated to the concept of lightness and balance. These levers are so diverse that they sometimes cause confusion with you. I'm asked, "Which one is the best? Which one is the strongest? Which one will suit my needs?" I feature a variety of lengths, head angles, handle shapes, wood choices, and weights. WHY? Basically because we are all different. We see the ultimate use of this simple lever from different perspectives. We envision how our customers will react when they see this special tool come out of our tool case. We were guided by our individual physique when we learned our trade. I've spoken to hundreds of tuners in these years, and it's astounding how much their approach to tuning varies. And so, it's my belief that there is no uniform product out there that will please everyone.
Having said the above, I want to leave you with one last thought. Choosing a tuning hammer isn't always about examining your strengths and preferences. Try to think of this tool as a 'mate', as something you gradually become accustomed to. You'll find that your future preferences will be forever guided by the relationship you nurture with your tuning lever. Sounds hokey? Perhaps. But it does happen.
The string leveling tool works differently from conventional tools. Instead of lifting the string with a hook, the Faulk string leveling tool uses leverage. The tool has grooves cut on both ends that will slip in between the strings and bend the strings very minutely by pulling or pushing on the other end of the tool. It takes very little effort and produces very precise results.
The string leveling gauge consists of an aluminum base with a vertical slot cut on one side. The base sits on the plane of the strings and references the level of the strings from the string plane rather than the level of the keybed. The string level is determined by a small ½" wide rule that rests loosely on its end on the strings. By lifting the dampers and plucking each string of the unison, you can determine the level of the strings by listening to the buzz against the rule. When all three strings of the unison buzz equally against the rule, the strings are level.


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Things to see and do - Belgium
Leaving for Belgium
Nearby hotels
Hotel Beauregard from59 €Book
Ne5t Hotel & Spa from200 €Book
Hotel Class'Eco Namur from36 €Book
Things to do nearby
Brussels Night Walking Tour: Gourmet Belgian Food
- 80 €
- Book
Brussels Chocolate Walking Tour and Workshop
- 70 €
- Book
Luxembourg Day Trip from Brussels: Two Countries in One Day
- 59 €
- Book
Hotel La Chambre D'amis :
Nearby tourist sites
Nearby Restaurants
Le Fou du Roy
Cotation :
Type de cuisine : Modern cuisine
Durbuy Ô
Cotation :
Type de cuisine : Regional
La Chambre d'Amis
Cotation :
Type de cuisine : Modern cuisine
Hotel La Chambre D'amis
Hotel La Chambre D'amis
Address : Rue Petit Barvaux 97 B - 6940 Barvaux
from : 70 EURBook
On the edge of a forest surrounded by meadows La Chambre D'amis offers modern rooms with free Wi-Fi. A terrace and garden with playground are featured on site, with dinner possibilities in the restaurant. La chambre offers modern and bright rooms which all contain wooden floors and a seating area. A TV and private bathroom with bath or shower is included as well. Guests can make use of the breakfast buffet every morning and have dinner in the restaurant overlooking the garden. In the evenings you can relax in the bar and enjoy a drink. The city of Durbuy is 8 km away and the Golf course is reached in 6 minutes by car. Multiple forests and meadows are in the area around the hotel.
Useful Information
- Address : Rue Petit Barvaux 97 B - 6940 Barvaux6940Barvaux
Main services
- Restaurant
- Non-smoking rooms


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Friday, December 30, 2011
Rangers waive Avery for 2nd time
The Rangers placed agitator Sean Avery on waivers for a second time this season with the likelihood the 31-year-old left wing, in the final season of a four-year, $15.5 million deal that's being split evenly with the Stars, will again wind up with Connecticut (AHL).
Avery has been a healthy scratch the past nine games, not playing since a 4-1 win at Buffalo on Dec. 10. Before that game, coach John Tortorella was angered when he found Avery's mother and a family friend in the team's dressing room.
Avery has three goals in 15 games for the Rangers after initially being placed on waivers at the end of the preseason on Oct. 4. Due to Avery's salary and, most likely, his reputation around the NHL, he cleared both that time and when he passed through re-entry waivers and rejoined the Rangers on Nov. 1.
It's not expected any other NHL team will claim Avery this time, either and Avery is expected to report to the Whale and not forfeit his salary.
The league-worst Blue Jackets have the first shot at claiming him. The Islanders would have the third shot.
But Avery told The Record on Oct. 21 while with the Whale that he really only wanted to play for the Rangers and couldn't envision playing for either the Islanders or Devils. Avery said the money owed to him was one factor in why he didn't think he would be claimed by another team.
"That and the fact that I don't want to play for any other teams and most teams don't want me," Avery said that day.
"The problem with me is that I have no boundaries when I play for a team," Avery added then. "I'll do and I've done bad things and that's what I do when I play for a team that I love playing for."
When the Rangers waived Avery the first time, Tortorella told the media, "I think we have better players than Sean Avery, plain and simple."
Still, placing Avery on waivers is no surprise. He counts more against the salary cap than Erik Christensen ($925,000), the other logical candidate to be removed from the roster with left wing Wojtek Wolski (sports hernia) ready to rejoin the lineup.
Follow me on Twitter at twitter.com/AGrossRecord
Follow the Record Sports Staff at twitter.com/TheRecordSports


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Course Research Pages
Mgt 101 - Business Plan Assignment
Finding Consumer and Market Information for Understanding Your Audience
Use existing data that others have gathered to learn as much as you can about your target market.
U.S. Census Bureau American FactFinder
This resource provides a wealth of demographic information about people, geography, and businesses that will help you as you start a business. Enter a state, city, county, or zip code into the Community Facts box at the top of the page and then take a look at some of the options in the left-hand column to find out about a community's population, age, education, income, and other data.
Consumer Expenditure Survey
Provides information on the buying habits of American consumers.
Passport (Global Market
Information Database)
Use the "Countries & Consumers" tab in the top horizontal menu. Choose "Consumer Trends and Lifestyles" from the dropdown menu. You can choose a category or a country to explore more. There is also a search box in the upper right of the page for searching by keyword. This database contains a large amount of marketing information and can be difficult to navigate. Ask a librarian if you need help.
The following books from Bowman Library also contain consumer and market information:
The Lifestyle Market Analyst (spending habits by population
Household Spending: Who Spends How Much on What
Best Customers: Demographics of Consumer Demand
Finding Industry and Company Information
Use the following resources for finding information on your industry, competitors, and competing products. You'll need this kind of information for describing your new business venture, as well as for writing your marketing plan.
Business Insights: Essentials
Use this database to find overviews of the industry into which your business fits; use the NAICS code if you know it. Also find info about companies that are competitors to your business; some SWOT analyses are available.
Business Source Complete
Search here for industry profiles, marketing research reports, SWOT analyses, and profiles of companies that might be competitors of your planned business.
Use the "Report Search" tab and then click on "Industry Reports" to go to a list of broad industry categories to find industry reports. OR expand the "Industries" box to find companies that are part of your industry.
Use the "Company Search" box to find info about competitors to your business.
Passport (Global
Market Information Database)
Use the horizontal pull-down menu at the top to choose an industry; build your search by category and then geographic location. Search will bring back various statistics, such as market shares, company shares, industry overviews, and reports.
One of the world's largest statistics portals with data from over 18,000 sources. Provides access to 1 million statistics. Also contains information on industries, countries, digital markets, and other topics, as well as infographics.
U.S. Census Bureau Economic Census
Use the "Industry/Local Business Statistics" tab and go to "Industry Snapshots" which provide detailed industry info, along with figures on employee salaries and number of establishments, all based on census data. Watch a video on how to do this here.
U.S. Census Bureau County Business Patterns
This division of the Census Bureau will help you determine number of establishments and some approximate salaries for the county in which you plan to locate your business.
Finding Sample Business Plans
The Library has many books with sample business plans that can help you craft yours. You can find them by using the following subject headings:
Information on writing business plans is also available from the U.S. Small Business Administration.
Bplans is a good source for free sample business plans; financials are included.
Video About Getting Started on Research for Your Business Plan
Page Last Updated: February 16 2016
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May 4, 2016
In just three weeks, students in one school district will spend the Memorial Day holiday in class as a snow make up day from March.
But May 31st will no longer be an option if this happens again, next year.
The Pitt County School Board decided at their April meeting that due to the negative feedback, Memorial Day will not be an option on the calendar for the 2010-2011 school year.
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 email@example.com.


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Tuesday Jan 20 2009
Bypass back on through February
By: Brandon Darnell, News Messenger Reporter
Another round of unexpected funding has given the Highway 65 bypass project a few more weeks before the construction shuts down. The Highway 65 Bypass project will continue at least through February, according to officials. "It's good news for the moment," said Celia McAdam, executive director for the Placer County Transportation Planning Agency on Tuesday. "We've been told we're good through Feb. 20," said Rich Gates, president of DeSilva Gates Construction on Tuesday. DeSilva Gates is the main contractor for the $325 million, 11.7-mile rerouting of Highway 65 from Lincoln Crossing to Sheridan, designed to alleviate traffic congestion on the current route, which runs through downtown Lincoln. "It is a big deal," Gates said, "because it keeps the project moving forward but the uncertainty of not knowing when we'll get funding puts a cloud over it." On Friday, the Pooled Money Investment Board, composed of the State Controller, Treasurer and Director of the Department of Finance, released $650 million for 98 infrastructure projects funded by bonds throughout the state, McAdam said. "Work is not stopping today," McAdam added. "DeSilva Gates is getting paid. Our understanding is they will be getting paid for work through February." During a Jan. 13 demonstration in front of the bypass project, Gates said the project would shut down if funding wasn't released. Approximately 100 largely out-of-work construction workers were at the Jan. 13 demonstration. "Construction is absolutely critical to California's economy," said Jim Earp, executive director for the California Alliance for Jobs on Jan. 13. "We're one of the key industries. With the housing collapse and the loss of commercial jobs, public works is all these people have. If we shut it down, it'll be flat on its back." If the project is stopped, it would delay the 2012 completion date, according to Gates. "Right now, we haven't suffered any delays," Gates said. "The only thing that would stand in the way of hitting that target would be a loss of funding." If the funding stops, Gates said, current workers would be laid off, management would be reassigned and the project would demobilize. To restart the project, Gates said "a whole new staff" would need to be hired. At the core of the funding problem, McAdam said, is that the project is funded through bonds and the state must first sell the bonds. "This is almost an hour-by-hour situation," said Councilman Tom Cosgrove, a longtime project advocate, adding that the additional costs incurred from shutting down the project is avoidable. "To see it stop would be a real shame," Cosgrove said. "We thought we'd passed the major hurdles but this is the biggest threat that has come along." The first step in selling the bonds, McAdam added, is for the state to pass a budget. "No one is going to buy bonds without the state having a budget," McAdam said. Even when the state passes a budget, it may still take several months before the bonds are sold, according to McAdam. "Everyone has this perception that once the Legislature passes a budget, things will be OK," Cosgrove said, adding that is not the case. Cosgrove said the Legislature is so focused on getting the right fix to the long-term program that lawmakers don't realize the short-term damage that is occurring. He added that damage might be irreparable. "It is a very inefficient way to run a transportation project," McAdam said. "The people working out there don't know if they have a job. They thought they had a four-year thing going but it's just not the case now." The funding through February is better than nothing, Cosgrove said, but added that it is a "very, very, very small Band-Aid." Brandon Darnell can be reached by e-mail at firstname.lastname@example.com.


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New Delhi, Having tapped the Indian market by distributing films like "Slumdog Millionaire" and "Quick Gun Murugun", Hollywood studio Fox Star now wants to foray into production by collaborating with the "best talent". And language is no bar.
"We only want to do five films a year. We are trying to really focus on and pick those films that audiences are really passionate about. We want to make films which entertain audiences and are commercially successful," Fox Star CEO Vijay Singh told IANS in an interview.
"What is critical is that those five films have to represent something different about Bollywood going forward. We have to make sure that the elements and the process are right. We want to work with the best talent and that best talent could manifest itself with us," he added.
Singh stressed a "portfolio" approach to the movies that would have a combo of "big, medium and small-budget" films.
"What we've set up in India is a studio approach (that is) both production and distribution. Our focus is to take the Bollywood films we make to the diaspora across the world," said Singh.
"What we are trying to do is to see how we can do films which have something different about them. Looking back at the last 12-18 months, anything that's working in Bollywood has a point of difference as doing more of the same is no longer the way out. Bollywood till date is making films only for Indians and the diaspora, but times are changing," he added.
Fox Star has been hogging the limelight for acquiring the global rights of Karan Johar's upcoming film "My Name Is Khan" – excluding music rights – reportedly for $20 million.
"My Name Is Khan is one of the most anticipated films and it doesn't get bigger than that and we are really excited about it," he said.
"We've also signed on a two-film deal each with Vipul (Amrutlal) Shah and A.R. Murugadoss. With Murugadoss, it's going to be Tamil films and with Vipul, it'll be mainstream cinema. We have another two-three films in a developing stage, but we would not like to announce them now," he added.
As far as distribution goes, films made in India under Fox Star will be distributed here by that company, in the US by its sister company Fox Searchlight and in the rest of the world by parent group 20th Century Fox.
The studio has also been regularly releasing its international content in Tamil and Telugu dubbed versions apart from those in Hindi and English.
Singh said: "If we release only in English, we find that there is a scarcity of consumers. But if we are able to dub them, we are able to reach a much wider audience.
"There are a lot of people who are keen to see a Hollywood film but may be they are more comfortable hearing it in a language or idiom they are more familiar with and these four languages (Hindi, English, Tamil and Telugu) represent the biggest language opportunities that exist (here)," he explained.
A late entrant in the Indian market (2008), the joint venture company between 20th Century Fox and Asian media company Star, it has been maintaining an impressive growth rate especially after multiple-Oscar winning underdog drama "Slumdog Millionaire" that did a business of around Rs. 40 crore (Rs.400 million) in India alone.
Fox Star is also looking at a sequel to "Quick Gun…", tentatively titled "The Good, The Bad and The Idli".


text: The boat stop has an information board and a waiting bench, and visitors who would like to go on a spontaneous round trip on the Rhine can simply flag down the boat. A boat stop has been set up at Lindli in Schaffhausen, located at Kanzel by the Rhine close to the building at Rheinhaldenstrasse 50. It is here that anyone wanting a ride can meet the boatmen and arrange a ride. Hitchhikers can flag down a boat at no expense and travel at their own risk as long as they can swim or have a swimming aid with them. The captain's instructions should be strictly adhered to. The traditional Weidling, a wooden boat, is the favourite means of transportation on this part of the Rhine. These approx. 10-metre long flat boats with a lightweight tonnage of 320 kg can seat from between 4 and 10 people.


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|Miriam Lord, The Best of Miriam Lord
|Miriam Lord
|Miriam Lord is a colour writer and columnist with The irish Times.
|Roisin Ingle, Róisín Ingle
|Roisin Ingle
|Roisin Ingle is a journalist for The Irish Times contributing features, news, colour and a weekly column in the Saturday magazine
|Ross, Rock, Ross o carroll kelly, ross o'carroll kelly, ross o carroll, ross o'carroll
|Ross O'Carroll Kelly
|Ross O'Carroll Kelly is a satirical finctional Irish character, a wealthy Dublin 4 rugby union jock created by journalist Paul Howard.
|Conor Pope
|Conor Pope
|Conor Pope is The Irish Times Consumer Affairs Correspondent and edits the Pricewatch Column.
|Fintan O'Toole, fintan otoole, fintan o'toole,25 years of Irish Life through the columns of Fintan O'Toole
|Fintan O'Toole
|Fintan O'Toole is literary editor of The Irish Times and has been an op-ed columnist since 1988.
|Michael Harding
|Michael Harding
|Michael Harding is a playwright and novelist.
|Deaths, death notices, family notices, births deaths & marriages, obituaries
|Family Notices
|Deaths, Weddings, Births and other family notices
|weather forecast
|Irish and International weather forecasts including a five-day forecast, tides and weather warnings
|Letters to the editor
|Readers' Letters to the Editor of The Irish Times
|Pricewatch, Conor Pope
|Consumer advice column written by Conor Pope
|Crossword, crosswords, simplex, crosaire, crossaire, xword
|The Crossword Club
|Play up to 10 years of Irish Times simplex and crosaire crosswords on your computer or iPad
|Featured jobs, jobsearch and career advice
|Property, commercial property
|Commercial Property
|Irish construction and property market news
|Property, Homes, home, new to market
|Homes & Property
|Latest Irish Homes & Property News, Reviews, Tips and Advice
|Property, Homes, home,Myhome,myhome.ie
|Find Thousands of Houses and Apartments for Sales and Rent across Ireland and much more with MyHome.ie, Ireland's Leading Property Portal. .
|Win excellent prizes from The Irish Times and selected partners
|Podcast, Podcasts, Inside Politics, Hugh Linehan
|Inside Politics Podcast
|Weekly politics podcast presented by Hugh Linehan
|Podcast, Podcasts, World View, Denis Staunton
|World View Podcast
|Weekly foreign affairs podcast presented by Denis Staunton
|Podcast, Podcasts, Off Topic Show, Off Topic Podcast
|Off Topic Podcast
|Off Topic is a weekly culture and ideas podcast
|Podcast, Podcasts, Róisín Ingle, Róisín Meets, Roisin Ingle, Roisin Meets
|Róisín Meets Podcast
|Weekly podcast presented by Róisín Ingle
|Podcast, Podcasts, Business Podcast, Ciarán Hancock
|Business Podcast
|Weekly business podcast presented by Ciarán Hancock
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D'Arcy: Wallabies have chance if they make All Blacks doubt
- International
- October 28, 2015
On the evidence of the past fortnight New Zealand would beat Australia by 20 points if Saturday's game was anything other than a World Cup final. Ever(...)
Kiwis edge out Springboks in epic gladiatorial battle
- International
- October 25, 2015, 18:45
"It is not the mountain we conquer but ourselves." – Edmund Hillary, the first man to conquer Met Everest For the ages. The greatest team of all time (...)
New Zealand wrestle South Africa into submission
- International
- October 24, 2015, 18:02
New Zealand 20 South Africa 18 "It is not the mountain we conquer but ourselves," - Edmund Hillary For the ages. The greatest team of all time met an(...)
Much more to the Springboks than 'heads down, bums up, straight ahead'
- International
- November 8, 2014, 09:00
A nation's rugby teams is at its most potent when it performs with the style of play and mindset that personify the character of its people. Like Afri(...)
The rise and rise of Handre Pollard
- International
- November 6, 2014, 13:49
It's just as well that Handre Pollard has broad shoulders on his six foot three inch frame as the expectation surrounding the 20-year-old South Africa(...)
Ruan Pienaar must prove his fitness for Springboks
- Rugby
- October 28, 2014, 01:00
Some good news for Leinster in yesterday's 36-man Springbok squad for the European tour that begins in Dublin on November 8th as Heyneke Meyer has (...)
Waratahs to meet Crusaders in Super Rugby final
- Rugby
- July 26, 2014, 13:26
Outhalf Bernard Foley scored a brilliant late try and kicked 11 points to fire the New South Wales Waratahs into their third Super Rugby final with a (...)
Kirchner added to Springboks squad
- International
- August 28, 2013, 12:53
Zane Kirchner and Chiliboy Ralepelle have been added to the South Africa squad that will face Australia and New Zealand in the Rugby Championship.Spri(...)


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Vail Resorts is planning to buy enough wind power to replace all the electricity it uses from traditional sources.
The switch makes the ski operator the second-largest corporate purchaser of wind power in the country.
The company says it will buy nearly 152-thousand megawatt-hours of wind-generated electricity each year.
It did NOT disclose the cost, but Vail spokeswoman Kelly Ladyga says there will be a small increase for the new energy, and prices for wind power would be comparable to fossil fuel.
Vail CEO Rob Katz says the company wants to QUOTE "reinforce our commitment to the natural environment."
Vail Resorts owns and operates the Vail, Beaver Creek, Keystone and Breckenridge ski areas in Colorado. It also runs Heavenly in the Lake Tahoe area and the Grand Teton Lodge near Jackson, Wyoming.
It also has 135 stores, lodges and offices.
Earlier this year, Texas-based Whole Foods Market said it would buy 458-thousand megawatt-hours of wind-generated electricity annually to replace all of its power consumption.
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Real work at home jobs no investment
Nowadays more and more people are wiling to find real work at home jobs no investment. The reason for their choice is that working from home gives them more flexibility and allows them to spend more time with their families as well as earning some money to improve the family's budget. Unfortunately, the universal allure of real work at home jobs no investment makes it a great target for scammers. At first sight the idea that someone pays you a good wage for working from your own home at a home-based business that requires no experience, no start-up costs and no set time commitment, sounds too good to be real. It usually is. These kinds of jobs do exist. However, they are not so easy to find. But if look from home from a different angle, you will find that it is not so difficult to separate the work from home scams from the real work at home jobs. The secret to finding real work at home jobs is not to look for work at home jobs. Work at home is a phrase that people use when they do not actually understand how working from home is done by real companies. It is the sucker's bait that scammer use. You should not forget that companies and business of all sizes are constantly trying to make things sound better by coming up with new phrases or calling something with a different name. Nobody gets fires anymore; they do not even get laid off.
Real work at home jobs no investment goes by different names. One of the most common names which are real is "telecommuting". It means commuting by telecommunication systems or working from home with a phone and Internet connection. Other legitimate work from home jobs will be referred as "contract" and "off-site" jobs. In business, the world revolves around the company so it does not matter where you are working, all that matters is that you are not working at the office, thus "off-site". Finally, some work at home jobs are called "freelance" or "freelancing" jobs. As a freelance, you can work whenever you want and you do not have to go through the time and expense of getting them setup with a desk, phone, and business card and so on like a traditional employee. But you should remember that no one needs inexperienced or unskilled freelancers. It is skilled workers like professional freelance writers what business needs. In conclusion, if you use the secret lingo of work at home jobs, you will have the chance to avoid scams, fraud and tricksters.
When you are ready to start looking for real work at home jobs no investment, you have to review the types of work at home jobs which are available, along with job listings. Here are the types of work from home jobs which companies typically hire for: call center jobs, home agent jobs, mystery shopping jobs, online tutor jobs, transcription jobs, virtual assistant jobs and the list may go on. It is also important that you should be aware of what you are going to do if you choose one of these jobs. For example, if you want to get a call center job, you will answer incoming calls from customers to take orders, answer inquiries and questions, handle complaints, troubleshoot problems and provide information. You should also identify and escalate priority issues, route calls to appropriate resource, follow up customer calls where necessary, complete call logs and produce call reports. Another example could be that of a home agent job. In this case you will work from a remote location and you will be a router on a mobile node's home network which tunnels datagram's folder for delivery to the mobile node when it is away from home and you will maintain current location information for the mobile nude.
In addition to companies which typically hire employees who work from home, there are sites where you can find real work at home jobs no investment listings. These listings should be carefully reviewed in order to avoid scams. Job search engine LinkUp.com searches only for jobs on company websites is a good way to avoid scams. Job search engine sites allow users to search by keywords and location. If you have specific skills, such as insurance claims, customer service, web design, use them in order to find the appropriate job for yourself. Monster, Career Builder, Yahoo! Hot Jobs and other job boards all contain work at home job listings. It is true that it takes some work just to weed through the postings, but they are there. It is necessary that you should be patient and perseverant in order to find the best job for you. Moreover, you have to avoid jobs which promise you a lot of money with little investment of time and no experience. It is obvious that they are no legitimate. Legitimate work at home jobs are going to require that you have skills relevant to the position. Many jobs require skills like writing, graphic design, programming or web design, for example. Finally, you should take time to research every job lead you find and every site you visit carefully.


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Camden Clark Medical Center has been named a Blue Distinction Center for Knee and Hip Replacement from HIGHMARK West Virginia demonstrating better overall quality of care and patient results.
Knee and hip replacement joins the hospital's cardiac care program, which was previously named a Blue Distinction Center.
Blue Distinction® is a national designation awarded by Blue Cross and Blue Shield companies to medical facilities that have demonstrated expertise in delivering quality healthcare in the areas of bariatric surgery, cardiac care, complex and rare cancers, knee and hip replacement, spine surgery or transplants.
To earn this designation, Camden Clark was evaluated based on an objective, evidence-based selection criteria established with input from expert physicians and medical organizations. The goal of Blue Distinction is to identify medical facilities that deliver better overall quality and medical outcomes for a specific area of specialty care, helping patients and doctors to make more informed hospital choices.
"This designation is a tribute to the dedicated team of physicians, nurses, technicians and therapists who helped develop Camden Clark's comprehensive programs in knee and hip replacement," said Mike King, president and CEO of Camden Clark Medical Center. "Their clinical expertise in this area of specialty care has resulted in better overall results for our patients."
Blue Distinction selection criteria cover a broad range of quality measures and are publicly available on www.bcbs.com/bluedistinction. By earning the designation, Camden Clark Medical Center has demonstrated:
• An established program, performing required annual volumes for certain procedures
• Appropriate experience of its care team
• Full facility accreditation by a Centers for Medicare & Medicaid Services (CMS)-deemed national accreditation organization
• Adherence to evidence-based clinical care measures and guidelines
• A comprehensive quality management program


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The Sleeve
iPad Air Cases
Our handcrafted leather accessories look even more impressive on the new Apple iPad Air Case with its larger screen size and slimmer design. We are proud to offer fresh, inventive designs that incorporate the latest advancements in technology and leather crafting to supplement our already robust iPad 4 lineup.
Customize any design with a seemingly infinite color palette, and make it your own.


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"The pile driver"............Story
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The Sultan of Bekar............ The richest, the wisest, the most powerful man
In a vast country........snuggled deeper into his silks and cushions and lamented
His fate.
Here he was. An exalted ruler with millions of devoted people ready to
Sacrifice themselves in a moment at the mention of his name.........and he
Was unhappy! He owned a roomful of precious Jewels. His walls were
Lined with priceless paintings. So much of the rarest of wines bubbled gaily in his wine cellar that he could float an armada on the sparkling liquid. Over two hundred
Of the most beautiful girls in his empire graced his Harlem and he could have
Ten times that number had he so desired. Moreover, he was so beloved by his
People that every year countless virgins took their lives in despair at the
Thought that they could not be chosen.
He was an educated man too, with a learned appreciation of the arts carefully acquired from the world's most accomplished tutors. He was well -read. Possessed a keen memory, was a delightful conversationalist, and he was handsome to boot.
Never lived a king who owned more, had more, or could avail himself of more
Than the Sultan of Bekar.
By God it is the little things."complained the Sultan , "if it was not for the little
Things. I would be happy.Here I sit ----and most awkwardly, I admit, because of the circumstances----and I am miserable and wretched and I can confide in no one.
"It is so ridiculous, really that I am prone to laugh myself at my discomfiture. But
It is no laughing matter. I must suffer in silence;..........must grit my teeth and bear the pain and tell no one. How could I, the great Sultan of Bekar, confess to a physician that I suffer from piles? I? Who owns the world? The body that is a
Symbol of power and perfection to millions---can, it, too be susceptible to the basest of human ills? Anyone of a thousand surgeons would be grateful for the honor of serving me, and yet I must nor reveal my weakness. I must maintain my pride and suffer the pain without complaint. "Yesterday. Hoyka--- the most mysterious curtain. I too have soared with the ecstatic thoughts of profound men.
Therefore I feel I can distinguish between superficial pride and the demand of station.
"Modesty or embarrassment or observance of conventional morals keep me from appearing naked before others.None of these apply to the problem of my piles which so vexes me. How so?--you may ask.
The Sultan of Bekar is clean--he bathes twice daily, and his people are aware of that fact. They know he eats only wholesome food--- however rare, however expensive, however luxurious. It is still wholesome.
The finest of wines grace his table.
Veritably, the hours of enchanted isles dance for the Sultan at his will and too
His mood.
"The doctor may come and say, you need more rest sire, the strains of court should be forgotten for awhile.' Or he may say ; your heart bears a heavy load under all your exertions.Such things I may accept as a matter of course. But
It would be rather awkward for the doctor to tell me; Your embarrassing --- and
Annoying---ah, illness is ah, due to certain indiscretions like--ah, er, sedentary
Habits -- begging your pardon sire--or ah, to certain excesses involving the emotions with your forgiveness sire--or, ah, that I s the failure of certain, ah, organs which may cause irritations.
"The doctor may examine a sultan's heart with dignity and thump the emperors chest without losing a sense of balance, but there is no means of achieving the proper nonchalance when the doctor must examine a sultans hemorroids.
So mused the Sultan of Bekar as he sat gingerly among his cushions.....proving that little things bother even great men.
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Blogs by needsomenow789:
On the lighter side-------the way it is
"Health Note" Did you know..................
First time sex..................
How to install a home security system...................
Just some corny jokes
Love is.................A state of mind?..........Maybe
Thought for the day....................
My Last Farewell............Who Was I ?
........So who was Kilroy ?................
"Goverment generosity" Sucker bait.................
"A letter to his mom"..................
" The panhandlers".....................Joke
"The pile driver"............Story
"The way it was......................Or is it still???
.........Merry Christmas.....not happy holidays.......
...................Ever wonder why?
.........A numbers game........anyone want to play????????
"Happy Halloween"................................Joke
" The gunslinger and the old prospector" Joke
A west Texas cowboy was herding his cows..................
Don't cha just love her?.........................
America needs a president like this.................Quote
"the hamburger patty recall" ... do we need beef?
"Old words........................Test your ability"
"Two plus two.....................make four..?
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Ways To Reduce Stress When You Travel
October 25, 2011 by Karen Amin · Leave a Comment
After months of stress, strain and endless work days, your vacation has finally arrived! It's time to say good bye to worry and responsibility, and hello to self indulgence and unaccountability.
Or is it? If you don't look after those pesky travel details, you could be asking for trouble.
It's a classic dilemma faced by everyone who plans a trip. You're taking a vacation to escape scheduling and structure. But "winging it" in an unfamiliar area can be costly, dangerous and – dare we say it – stressful.
It's best to combine the two approaches. Determine in advance what you want to see and do, but don't schedule yourself so fully that you're exhausted by the end of the trip, or so rigidly that you're unable to take advantage of the spontaneous opportunities every vacation brings.
When planning your itinerary, focus on the "pace" of your vacation. Create a list of the things you want to do, but don't assign a specific time and date to each activity. Flexibility is the key to an enjoyable vacation, as is ample time devoted to pure relaxation. In short, plan your trip, but don't over-plan it.
Another mistake many vacationers make is abandoning any semblance of a healthy lifestyle, which inevitably leads to illness, exhaustion and, yes, stress. When traveling – especially to distant destinations – be sure to:
- Get plenty of exercise and rest prior to your flight, while maintaining a nutritious diet. Plus, make sure you're well hydrated.
- During travel:
- Drink plenty of water, while avoiding large meals, alcohol and caffeine
- Move around the cabin regularly to promote circulation in both the body and brain
- Wear comfortable clothing
- Sleep, if possible (especially on long international flights where jet lag is a concern)
- Upon arrival:
- Avoid critical decision-making in the first day
- Adapt to the local schedule immediately, eating meals and going to bed at the appropriate times
- Get as much sunlight as you can
- During your stay:
- Eat nutritiously, avoiding unsafe local foods and impure water
- Exercise regularly, and get plenty of rest
- Drink alcohol in moderation
With a little planning and a lot of common sense, a stress-free vacation is yours to enjoy.
Related articles
- 10 Ways to Avoid Vacation Stress (tripbase.com)
- How To Keep Your Vacation Stress-Free (blisstree.com)


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A green belt created by Leapercauns. It's is usually found in magic portals in Ireland.
Leapercauns wear this belt of green. I keep it in my magic closet
af Bread eater :) 29. november 2013
Skriv din email-adresse nedenunder for at få Dagens Urban Ord gratis hver morgen!
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First off this week, it's time to give a little credit where credit is due.
Dwayne Gylywoychuk has had a dynamite debut as Brandon Wheat Kings head coach, guiding what was projected to be a rebuilding team to an impressive 4-1-0-0 start — including winning two of three road games — for a share of second place overall in the Western Hockey League. The Wheat Kings even earned a little recognition nationally, receiving an honourable mention in this week's CHL rankings.
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text: This collection is well worth the wait and the money. The many selections show the absolute veratility of this Cleveland band of the mid-to-late '60s. They were early in combining horns, strings, etc. to rocking hits, soft ballads, and in-between ventures. If mid-60's variety is your thing, this works well.


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- Inhabitat – Green Design, Innovation, Architecture, Green Building - http://inhabitat.com -
Robert Weschler Turns Thousands of American Pennies Into Colossal Cash Cubes
Posted By Helen Morgan On December 20, 2012 @ 4:24 pm In Art,Design | No Comments
Robert Wechsler [1] constructed his Mendicant sculptures from thousands of U.S. pennies — artifacts which he says are a symbol of American culture. Despite the fact that they are incredibly common (50 billion are in circulation), Wechsler says that the traditional penny is as much a monument to the nation as the Statue of Liberty. By transforming the legal tender into sculptures [2], the artis explores not only its functionality but its value.
The largest of Wechsler's sculptures uses 26,982 coins which he has cut, assembled and shaped into cube lattices. Inviting visitors to walk around the enormous works in their full glory, Wechsler asks the viewer to also contemplate the idea of monetary significance. The series is currently on display at the International Art Objects Galleries in Culver City [3], CA, through December 15.
Images courtesy of Robert Wechsler
Article printed from Inhabitat – Green Design, Innovation, Architecture, Green Building: http://inhabitat.com
URL to article: http://inhabitat.com/robert-weschler-turns-thousands-of-american-pennies-into-a-colossal-cash-cube/
URLs in this post:
[1] Robert Wechsler: http://www.robertwechsler.com/
[2] sculptures: http://inhabitat.com/tag/green-sculpture/
[3] International Art Objects Galleries in Culver City: http://international.la/
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Copyright © 2011 Inhabitat Local - New York. All rights reserved.


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May 1, 2016
Would you like to walk with the animals, talk to the animals? Then enroll in the new program at Davidson County Community College scheduled to begin this fall.
The school worked with local zoos and animal parks to develop the Zoo and Aquarium Technology Program. The intensive, two-year associate degree program will enroll 24 students in its first year.
It will be one of the country's few animal keeper training programs.
The hands-on program will work with the Natural Science Center in Greensboro and the North Carolina Zoo to immerse students in the profession. Mark Stevens, a biology instructor who will become the program's director, says he expects enrollment numbers to increase once the program is established.
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The winner of the 2006 U.S. Maritime Literature Award, this highly readable book offers a fresh approach to naval history. Adopted by the U.S. Navy for issue to all new Sailors, A Sailor's History vividly and excitingly brings to life the events that have shaped and inspired the Navy of today. Its perspective is thoroughly and decidedly democratic, highlighting the role of all Sailors—from seaman to admiral. Rather than focus entirely on such naval icons as Jones, Decatur, and Nimitz, as most histories tend to do, author Thomas J. Cutler (a former gunner's mate and retired lieutenant commander) brings to the forefront the contributions of enlisted people, such as Quartermaster Peter Williams, who steered the ironclad Monitor into history, and Hospital Corpsman Tayinikia Campbell, who saved lives on the USS Cole after the terrorist attack in Yemen. The book's structure is unique; rather than a straightforward chronological arrangement, the work is grouped thematically in sections named after the Navy's core principles of honor, courage, and commitment; its traditions of "Don't Tread on Me" and "Don't Give Up the Ship"; and other significant aspects. The result is a unique account that captures Navy heritage as well as history, that provides inspiration as well as information, and that celebrates that most essential element of the Navy's history: the Sailor.
More than any other book in this program, this work is directly and specifically targeted to the enlisted Sailor. It gives the reader a solid foundation in the colorful history of the U.S. Navy, instilling pride in the rich traditions that today's Sailor's are carrying forward, making them aware that they are making history themselves as they serve in today's Navy.
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How To Profit From The Impending Bursting Of The Education Bubble, pt 2 - "Knowledge How" & Diplomas As Fictitious Assets
A Basic Illustration Of How The Blind Pursuit Of A Debt Funded Diploma Can Lead To Personal & Intellectual Insolvency
The same hypothetical leveraged positions expressed as a percentage gain or loss...
Despite extensive, self-defeating, harsh and punitive austerity measures that have combined with a lack of true economic stimulus, Greece has (to date) failed to achieve Primary Balance. For the non-economists in the audience, primary balance is the elimination of a primary deficit, yet the absence of a primary surplus, ex. the midpoint between deficit and surplus before taking into consideration interest payments.
The primary balance looks at the structural issues a country may have. Government expenditures have outstripped revenues ever since 2007 and have gotten worse nearly every year since, despite 3 bailouts a restructuring, austerity and a default!
Part 1 of this series illustrated exactly how those who pursue levered "know that" can and likely will fall into the exact same structural insolvency by having their fixed expenses born from the pursuit of the diploma on a leveraged basis outstrip their income. Reference this excerpt from How To Profit From The Impending Bursting Of The Education Bubble, pt 1:
...assume a $40k per year tuition for a 4 year business management degree, purchased with money borrowed at 6% (from our dear government guaranteed lenders (SLM, et. al.), deferred for and average of 2 years. An oversimplified straight calculation puts you roughly $178,000 in debt upon graduation for a piece of paper that would fetch you roughly $43,000 per year. Reference ehow.com:
In July 2009, people who hold a bachelor's of science (BS) in business management averaged $39,551 during their first year of employment and $43,022 for the first one to four years. A professional with a BS in business management typically averaged $78,669 once they reached 20 years of employment.
Read more: Average Salaries for a Bachelor's Business Degree | eHow.com http://www.ehow.com/facts_5240719_average-salaries-bachelor_s-business-degree.html#ixzz2Gw6sriN5
Real wages have likely dropped since then, but even using the nominal assumptions above you would have been driven into the hole when factoring in real life expenses of:
- Taxes: Yes, you'd have to subtract local, state and federal taxes from said monies... At roughly 35% (bound to go up after we finish this cliff nonsense), we're now talking $27,964 average over four years. That puts you in the hole to the tune of roughly $12,035 per year you spent on that degree.
- Living expenses: Food, shelter (rent), clothing, transportation. In a NYC, even assuming the much less expensive outer boroughs,
Combined, we're talking roughly $3,000 per month or so, assuming you won't take in roommates. If you do, you can drop that figure to about $2,500 per month. Using the lower bound of this assumption, you are underwater (structural deficit) to the tune of about $2,000 per year. Please keep in mind that primary balance calculations and structural deficits don't take into consideration interest payments (for the sake of comparison). The underwater comment does not take into consideration the actual paying back of your loan yet, either.
So, on the fifth year following your freshman orientation, assuming you studied well, you would have laid out $176,000 facing annual debt service of about $12,000 or so - offset by a net income stream of roughly $28,000 to cover roughly $30,000 of living expenses. The negative $2,000 per year cash flow would result in a chart that is very, very similar to the Greek charts featured above.
So, why do these numbers look so bad? Well, the answer to that question lies in the value of the asset that knowledge seekers encumber themselves to acquire. The levered purchase of depreciating assets or assets with fictitiously high values is bound to lead to insolvency. Enter the....
Topic Of Knowledge
Knowledge that vs Knowledge How
- The collapse of Bear Stearns in January 2008 (2 months before Bear Stearns fell, while trading in the $100s and still had buy ratings and investment grade AA or better from the ratings agencies): Is this the Breaking of the Bear?
- The warning of Lehman Brothers before anyone had a clue!!! (February through May 2008): Is Lehman really a lemming in disguise? Thursday, February 21st, 2008 | Web chatter on Lehman Brothers Sunday, March 16th, 2008 (It would appear that Lehman's hedges are paying off for them. The have the most CMBS and RMBS as a percent of tangible equity on the street following BSC.
- The fall of commercial real estate in general (September of 2007) and the collapse of General Growth Properties [nation's 2nd largest mall owner] in particular (November 2007): The Commercial Real Estate Crash Cometh, and I know who is leading the way!
What Is This Really About?
In the mean time and in between time, subscribers can glean my view of one of the big private post secondary educators who is having a problem with volatile earnings that are probably going to get worse.
Education Co. 1-3-2013
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It's not quite as bad as portrayed -
First - most people do not pay full freight; their costs are lower
Second - only part of the remaining total (after aid) is paid for with loans
However, anyone that fails to do a basic cost benefit analysis for a college education is a fool. Anyone that chooses a school and major without determining the employability of that choice comopared to others is a fool.
If you are genius level brilliant going to one of the best schools for a given subject and graduating at the top of your class you MAY be able to study anything, go for a graduate degree and end up employed - if only teaching that subject (though the market for professors in 18th century French Literature is a tad limited). However, if you have to incur ANY debt to do so, you should probably NOT be studying something that has limited employment prospects.
Certain degrees - engineering in particular - have good prospects and can be worth the cost of LIMITED debt to attain them. Other undergrad degrees are not particularly worth the cost if you need to take on ANY debt. Now there are always exceptions - a history degree from Princeton or Philosophy degree from Yale may work out fine for someone whose father has connections in investment banking. If you are part of the 'Capitalist Nomenklatura/Country Club' set, your employment prospects are fine, taken care of through family connections more than your college degree. But such cases are not the norm.
Many graduate degrees are NOT worth the cost. Law school is a a scam. Unless going to a top school and graduating at the top of your class, forget it. The big $$$ jobs go to a very few at the very top - the rest are left fighting for crumbs. You might do OK as a small firm lawyer but not if you've piled on debt to get there. Lots of luck finding any employment coming out of a second or third tier school. Even medical degrees are of questionable value dependent on the debt incurred to get them. Earnings are not what they used to be in this age of 'managed care'. You are pretty much guaranteed a job but few become wealthy practicing medicine today. Business school is a joke for most. An MBA is rarely worth the cost if you are footing the bill. Get a job and let your employer pay for an MBA if they really want you to have one. A ton of schools exist to fill this really unnecessary 'need'. Wharton or Harvard may look good but if you are saddled with a ton of debt to get those degrees the payback will be long.
Truth is that too many people are going to mediocre colleges, learning little while there and getting useless degrees. You should see some of the resumes and cover letters written by recent grads seeking employment.......hard to believe they got out of high school. The best students are learnign far more these days than they were 40 years ago but the majority are probably learning LESS in 12 years. FOr those in the bottom half, college is an iffy prospect at best. They will be going to mediocre colleges and likely gettign degrees which do little to increase their employability. Taking on debt for this group is suicidal.
An education for education's sake is a noble concept but you can obtain a very good education without ever going to college. At the same time, college is really a waste for many - a prolonged adolescence spent more on partying than learning. The very brightest benefit but for a large number college is a waste of time. And if you are going to a 'for profit' school.... unless getting a technical degree in a specific 'in-demand' field, don't waste your time. A 2 year 'business' degree is worthless.
Ultimately, the probnlem is that we no longer have the jobs we used to have. Manufactuing jobs have disappeared. Those blue collar jobs that remain are often far more demanding today. An auto mechanic probably takes more continuing ed classes to keep up than any other profession. Running a CNC machine on a factory floor requires a good math foundation. But the sad truth is that even a basic accounting degree - which in times past guaranteed you a job - is no guarantee today. Companies are off shoring basic accounting functions now.
If a good percentage of the jobs that remain are selling stuff made elsewhere, serving food or otherwise providing 'services'..... well... you really don't need a college degree for any of those. And as for the jobs that require basic brute labor.... too many people simply do not want to do that work - and plenty of cheap immigrant labor WILL at the wages provided (too often too low but that ia a differnet issue)
Freidman was right about a 'global economy' in that jobs go to the cheapest labor - with only a few exceptions. The 'anchored' jobs that can't move are few - plumbers, electricians, mechanics, - jobs that require a skill, are licensed in some way and need to be in a specific locale. But even those have limits. Being a plumber in a NYC suburb isn't bad but not so great in boom-gone-bust housing markets. The sad thing is that a lot of good tradesmen are lousy businessmen. Unfortunately many people end up in these trades not by conscious choice but by default. And some of those 'anchored' jobs - meatpacking for example - which can't be moved have seen their wages go DOWN because (often illegal) immigrant labor now competes with local labor. No longer because cheaper alternative is availabe. The same happened to construction before that market imploded.
If you're some kid getting out of HS in podunk Wyoming or North Dakota, you're better off working for a fracking company for now and pulling in the $$C while you can (though in that case the long term health effects should factor into your peraonal analysis). I know someone who worked as a welder on the Alaskan pipeline - msde enough to effectively 'retire' at 30....... there are always opportunities - for some. But you'd better be willing to work hard and be reliable - rare attributes today.
Sorry but Reggie has hardly said anything here, and, more importantly, things are far worse than anyone seems to realize in this thread. The reason why so many students keep borrowing, even when there are manifestly little or no job prospects, is that they need the money just to live. In a sense, the student loan bubble is a bubble in poverty, otherwise known as a depression. Think, folks, before it's too late.
Come off it, no one is forcing people to take huge loans to no effect, or to disastrous protracted effect. They love credit they just hate debt. There are many ways to live in a bad economy, for god's-sake, it's still in at least modest to stagnant growth. Wait until it does a Greece impression and things get actually tough. If they were serious about finding a way to live they would be doing that right now. Many probably figure they are, or at least its a convenient delusion. How many yound people, who have never really worked for a living yet, think their future will be worse than their past? None I know of, almost none expect things to get realy bad, and for most it still hasn't. What we do know is students are the ones traditionally most likely to rebel first, at the sight of egregious injustices and wrong doing. The money and access to it, helps keep the lid on that. moreso if they feel they can ditch the debt, eventually.
The reality is that the year of 2009 is graduating and now the shit will hit the fan for them ... but welcome to social security and foodstamps ... for 99 weeks ... and then it will really hit the fan.
Like it or not, whole communities are now dependent on student loan money for their subsistence and livelihood. Where would a town like San Diego be without student loans? Everyone from physicians to fro-yo peddlers is basing revenue on student spending.
I appreciate your work, Reggie, but a circular argument is not the same as infinite regress. A circular argument is something like, P(1) requires P(2), P(2) requires P(3), and P(3) requires P(1).
Cause like good sheeps, they're trained to do just that.
"There's a new sheriff in town, and his name is Reggie Middleton".
- - 48 Hours
A large contributer to the problem is the result of the crash in 2008. Companies and governments are not hiring. Those are the major employers in this country.
Another is that the normal career progression is stalled. Older workers reach retirement age and actually retire, opening their positions for those below them, and so on until entry level jobs are made available. Now that zero interest rates have killed the retirement accounts of those at retirement age, they have to keep working. So entry level jobs are not made available.
Combine that with the high cost of education (caused by government subsidies) and you get a perfect storm.
Strange, even by Reggie standards.
So far so good. Student loans suck. No question about it. I fail to see how we can benefit from the bubble implosion though. How is there any benefit if Uncle Sugar is going to bailout the entire ponzi again? See the details surrounding the student loan bailout program "Pay as you Earn".
The answer is what Reggie States,"4 year degree at 6% interest." 6% interest that is "recourse debt."
so unlike homes, you can try and walk away but essentially you owe Uncle Sam the money when you show up for employment anywhere. They will garnish wages etc.
And if you are one of the lucky who land a job after school, with Reggie's stated average of 48k a year, the payback of the loan also decreases your take home salary.
Part of being in a bubble is knowing that it can run on longer than you think, so I expect State tuition to go to the moon. Then the migration to City Colleges etc will begin.
Some of the best business people in the world come from non-Ivy, smaller schools. An IVY degree is a rolodex-or a secret club. Not a rational investment.
College Education is impoverishing the middleclass and it's student-indentured servancy. Its a SCAM. Honestly, I learned more from Googling things than I did at College. And another sad component is that everyone expects their kids "have to" go to college. You are a shitty parent if you don't go into massive debt to send a kid to school.
^--Shitty Parent. Made the smart one go to junior college to figure out what he was interested in. The dumb one went to Afghanistan as a DOD civilian contractor.
The smart one wasted his time on music, theater, etc... The dumb one just got his own, personal, billion dollar contract.
Honestly, I learned more from Googling things than I did at College.
Comment of the week! +1
I have to disagree. My BS in Applied Math from UCLA allows me to google at a higher level than the rest of you.
I dropped out after 8th grade, but since I'm 125 YO, it makes your degree look like a headstart education.
Kiss my grits, sonny.
Excellent work Reggie. Thank you.
While this is all a bad investment for the economy, and will end eventually, it's not necessarily a bad investment for the individual. Look up the income contingent repayment plan. This is not the ever more lax one they're proposing, and is open to all.
Basically, under it you can take out hundreds of thousands in loans, get a burger flipping job, pay a few hundred a year, and then get the balance forgiven after 25 years.
Combine that with the 3 years one can defer loans after graduation and I honestly have no Fing idea how anyone defaults on these things. Because insolvency is NOT a barrier to closing your student loan account in good condition. Guess they just don't give a shit.
It's all a joke at this point. Politicians just keeping it going so they don't have to admit they've failed the youth and the middle class.
I have been (trying) to read about the modification in the student loans. (I say trying because it makes me want to waff - having never taken out student debt.) It seems that the more you make, the higher the repayment rate is. And if you work for the government, the sooner your "extinguishment" date comes around. Fundamentally, it seems like a way for the government to further purchse the votes of the dim witted (via the early loan discharge for the government job watching porn all day). If you are successful, then you get hosed.
I could only look at it for two minutes before I retched.
Having gotten the essence, I had to wonder if there was a "zero bound" issue. You know - the more you make, the more you pay......so if you actually pay somebody for the privelege of working for them (think apprenticeships circa 1750) would the government then supply you with your loan payment - or otherwise write your loan down?
Some other astute individual observed that the forgiveness policy will greatly increase the number of no/low paid internships. This will therefore put a drag on pay levels for normal wage jobs. That will help the housing market for the entry level folks - now aged 50. Brilliant. It will also help with the federal deficit.
I hear that mortgage loan modifications is in the works. That might be true since we just got done forgiving the banksters from criminal penatlies for ForeclosureGate. If they put off the gun ban nonsense until after the debt ceiling negotiation, then we might find out what will go down with principle reduction in the very near future. I am sure that I will get sick.
Can any of these stupid f*&ks figure that if the government writes down the principle on its mortgage collateral, then the US credit rating will fall to AA faster than it would otherwise when the can gets kicked past the debt ceiling debacle in March?
How does one get a student loan without going to school? I would use the funds to invest in the markets.
1) I have to agree that most of the world doesn't look at college education as an investment the way you have - and frankly everybody should. I went to engineering school at the University of Pennsylvania in the late '70s. We looked at education as an investment back then. We did OK. Those who flunked out of engineering went to Wharton undergard. I don't know how they did.
2) People keep talking about the "education bubble." I raised the question on your last post (after most posters had left) as to how it could be possible to have a bubble in something that is not traded. There is no market for a college degree. There is no market for college debt, since it is almost all held by the government. The collateral behind such debt is more shaky than what was offered for housing ATM loans five years ago. The damage done to the economy by printing money to fund tuition was done immediately. We got tuition inflation and misallocated resources. The fact that students will now renege on their debts is immaterial. It is simply another tax not collected resulting in more money printing.
Could there be a market in student debt? Sure. China could buy it all - and I suppose in return extradite (what else would you call it) the indebted students to China to work in the Apple computer factories while the former workers bathed in the sun. Maybe the debt could be sold at open market prices to the TBTF banks, who could then put it back to the governmet as having been fraudulently misrepresented as having real collateral. That way the banks could buy it from the government for $0.10 and then sell it back at $1.00. Is this how you propose to cash in on the debt "bubble?"
I read that under very recent law, the debt could be forgiven if the student works for a "government" service company at close to no wages. Should I set up a lawn company as a government service and hire debt slaves for $0.10/hour while charging $50/hour to clients for their time? The students would be happy because they could get $150K in debt discharged after 10 years cutting grass, and I would have colleted the rent. Is that where you are going? Maybe I should buy stock in companies doing that on a mass scale. That would be Citi, JP Morgue, etc.
I think that you and Doug Casey are of similar minds on this. Casey is almost embarrassed that he spent four years getting his Georgetown University degree. (When pressed, he grudgingly (embaraasingly?) admits that Bill Clinton was in his class.) He says that whenever he interviews a new MBA for his investment company, he firsts asks how the candidate justified spending two years and $100K to learn business theory.
I haven't thought of separating the debt of education from the actual number of people in school. We might have two things going on here.
1) The debt for education.
2) The number of students attending college and if that institution has debt.
The bubble can be seen with the number of students attending college, and not focusing on how it's financed. More people are attending college than ever before and those students may not be a good fit for college. With so many students, college campuses are building more and more stuff. How is this "stuff" financed? If students can't afford to go to the school, will the loans the colleges themselves have get paid down?
It seem like there are multiple loans going on here, by the students and by the actual facility.
Add to that the number who are just in school to get their SS benefits, and we're paying twice.
I think that we all agree that there is a bubble in the perceived value of a degree, and that the price paid for degrees is bubblicious in the extreme.
There also seems to be a bubble in the number of students, although I think that that is dropping off.
Do universities have debts upon which they will default? That is a great question. If I were to choose a school, I would want to go where there was demonstrated intelligence on the part of the management/faculty by the lack of debt at the institution. But these days where it is widly known that all debt will be forgiven, intelligence might be better reflected in extreme leverage. Just another form of debt having obscurred true prices.
I firmly believe that instead of forgiving student debt, the federal government should go "claw back" from the universities, the tuition payments made by the students witht he federal loans. Defective product or something like that. Think of the tobacco industry. Maybe we should have banners on the side of university dorms: "Warning. Getting a college degree can be hazardous to your (financial) health."
I actually shouldn't have made the statement about schools taking on debt because I can't seem to find much information about it. If it is though, it would be nice to know how much they take on.
for profit schools are ponzi schemes, i work for one. I'm almost a government employee, once the funding is gone so is the school. But then again, what isn't these days? Maybe thats what the pyramid on money stands for........
From your other writings, I know you know this - but the problem is that our K-12 schools are, by and large, shit. Focusing your attention on the ROI of certain colleges is like looking at the pipes at the very end of the pipeline to see which puts out marginally better output. If you want to create change, start at the beginning of the pipeline, primary and secondary education, which most businesspeople treat as a black box. (Think about workforce grants from DOL, for example, which usually refuse to fund anything unless it starts at the postsecondary level.)
Your earlier articles, where you talked about teaching entrepreneurship and the like, are correct, but there's no way that government schools can do that. It falls to the business community, usually focused through coalitions (chambers, WDBs, etc.) who have the opportunity to take a far more activist and productive role in making that happen.
>>>Your earlier articles, where you talked about teaching entrepreneurship and the like, are correct, but there's no way that government schools can do that.<<<
One of my sons is CLEPping college credtis, taking free on-line university courses (to first figure out what he might be interested in doing) and importing middling priced French champaign by the case and selling it at 100% - 200% mark-up to stupid frat boyz at the local flagship state university (and he delivers.)
He imports the kind with " stately" looking labels.
I asked him if they were really that stupid. His answer was, "Yes. Most of them are business majors."
That government school is doing an excellent job of teaching entrepenuership.
I was a business major in college, and believe me when I tell you I was taught very little of practical value. Basics of accounting and finance was helpful, but the rest - HR, marketing, management - was all BS theory.
"I know you know this - but the problem is that our K-16+ schools are, by and large, shit..."
Fixed this for you.
The time for reform is over. If finance is fulled by hookers and blow then higher ed is fueled by blow and peer reviewed journals....
Lets break this bullshit system apart before it kills us all.
I agree with your thinking, but most legitimate non-ivy league schools aren't running 40K per year. A decent public university is running about $8-9K per semester for tuition and room and board (in-state tuition about $4500 per semester, room and board about $4000) whether you get an engineering degree, a business degress or a bachelors in Mongolian Womens Sexual Studies.
Where my bachelors degree cost my folks about $25K in the early 80's, I expect to pay about $65-70K for my daughter's.
The calculations of ROI are important regardless of the variance in the cost of the education
Actually the variance of cost of education IS the reason why these types of calculations are important.
Cant wait to see the results Reggie! I love you and want to have ur baby ( if I were a lady)
Given the wholesale destruction of the global economy, I can't imagine this analysis can amount to much, other than to provide a statistical sampling of where the connected kids go to school. After all, like Reggie states, a degree isn't as valuable as it once was, but rather, has been seriously diluted due to oversupply.
Theres a fine line between interesting and refreshing analysis and linking unconnected thoughts to make stuff look like tin foil hat stuff of nightmares. Reggie I like what you say but you're trying to be too complex to articulate it. Getting bogged down in other intellectual point scoring. Focus on the key points in your argument only, I.e. education isnt worth it on a cost benefit analysis. Real money is made by those who can manage resources and predict market and psychosocial movements. Build your trade thesis on what you think is a probable chance of occurring. Leave the student of knowledge how to the whats to the whys in an appendix. Much respect, yf.
P.s. samsung is a phd. Hoover. They have thousands of technical specialists, and also bought access to a shit tonne of sony patents.
Keizer is a tool and reads Zerohedge. I once brought up his name in a zh blog response and Keiser used the article on his show the next day.
Keiser if you are reading this please give us some solutions to the mess we are in and stop the Socratic posturing (everything is fucked etc.)
Well, I like Tom Woods.
Until Keiser treats him in an adult-like manner (instead of his childish ad hominem attacks), IMO, he's nothing but a tool-bag for the elite, as they are the only people who benefit from his smears.
For all I know, his "buy silver, bust JPM" grandstand is merely false opposition in a controlled fashion, generated to fill the void where otherwise coherent opposition would emerge.
I'd like to believe his words, but they're currently too incoherent. So that leaves me to wonder just why he tries to act like an anti-Kramer, all while behaving exactly like him?
Keiser did the same thing to Gary North. North destroyed Keiser because Keiser jumped on the Ellen Brown bandwagon. Brown wants to end the FED, and have CONgress print the money via the treasury instead.
Keiser got his ass handed to him, so he started calling names. I've avoided Keiser ever since.
Reggie, nice to know there is someone else out there with a working brain.
You see the "grand" design of the rockafuckers and other elites. Actually George Carlin coined it , the best.
After Reggie explains something, it seems so obvious. Brilliant. Thanks for the post Reggie.


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ronnie. "who needs kers and drs to pass?". well lulu had them and still couldnt pass! remember schumi last year, and the big on-track distraction (massa)?
can you list all the passes that lulu made without drs or kers?


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