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Areas of Study
Our program offers 4 different certificates of completion in addition to an Associate in Applied Science in Construction Management.
Learn more: 2014-2015 Construction Management Technology Program Curriculum (PDF will open in a new window)
Start with a Certificate
If you are interested in earning an A.A.S., we encourage you to start by completing one of the certificates. All the courses taken for the certificate level (except Interior Design) are part of the A.A.S.
Also, completing the certificate will increase your chances of finding job in case you are not able to finish an A.A.S.
Certificate in Construction Inspection (19 Credits)
This certificate prepares you to become technician in the field. You are trained in the areas of:
- Concrete technology
- Soils and foundation
- Surveying layout
- Codes and inspection
After completing this certificate, you are prepared to work as a:
- Field engineer
- Laboratory technician
- Quality assurance technician
- Soil technician
- Inspector
Certificate in Construction Management Technology (25 Credits)
This certificate focuses on supervisory skills. You learn skills and knowledge needed by project engineers:
- Estimating
- Scheduling
- Planning
- Controlling of a construction project
After completing this certificate, you are prepared to work as a(n):
- Assistant project manager
- Project manager
- Estimator
- Scheduler
Certificate in Construction Interior Design (43 Credits)
This level 2 certificate focuses on interior design. You learn skills in:
- Space planning
- Interior design
- Color rendering
- Construction management
- Estimating
Residential and Commercial Site Layout and Framer Assistant (10 Credits)
Marketable Skills Achievement (MSA)
This marketable skills achievement certificate prepares you to become a site layout and frame assistant. You are trained in the areas of:
- Carpentry
- Site Layout and Surveying
- Construction Methods
- Reading Plans
Computer-Aided Construction Scheduling (9 Hours)
Enhanced Skills Certificate
Complete this certificate if you have a degree in a construction-related field and want to learn current scheduling and estimating software.
South Campus
Orlando R. Bagcal, BSCE, MS, D.Tech, Coordinator & Assistant Professor
Jean Yanes, Career and Technical Education Advisor
Updated June 23, 2015


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Scarlett6i6 Interface
Model : SCARLETT6I6
Category : Audio Interfaces
Suggested price : $449.00
Our price : $359.99
You save : $89.01 (20%)
Shipped within
2 to 5 daysYour package will be shipped within the time period specified on the product web page. If your order contains products with different delays, please note that the time of shipping will be calculated depending on the item with the longest delay. Also, note that delivery times may vary depending on the destination and the type of delivery chosen (Expedited Parcel or Xpresspost), in addition to the time displayed on each product web page. For more details about delivery times, we recommend you check the "Delivery of your order
About this product
Scarlett 6i6 is a 6 in / 6 out audio interface that connects to your PC, Mac or iPad via USB 2.0. It has two award winning Focusrite microphone preamplifiers, which deliver superb quality recordings from microphones and instruments, straight into your computer or iPad (Apple Camera Connection Kit required with iPad).
- High quality 24bit 96KHz audio interface for Mac, PC and iPad
- 6 inputs and 6 outputs
- Two headphone outputs with seperate level controls
- Rugged metal unibody chassis
- Unique gain halos for safeguarding your levels
- Large main monitor control
- Scarlett MixControl ultra-low-latency DSP mixer and router
- Powerful software bundle
Exact title : Interface usb 6 in 6 out
Mark : Focusrite
Model : SCARLETT6I6
Category : Audio Interfaces
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subset: commoncrawl


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gettin the younguns started off right!
Coolest Bike Ever!
Yeah, I'm still pretty.
little tiny micargi kids' bikes are fixed gear, with no brakes...we're talking like, 12" wheels here, PLASTIC headsets...i was both impressed and afraid for the little kids, what with the whole thing about losing fingers...but so far, we haven't had any complaints...
imagine taking in a couple of severed fingertips to show & tell?
how cool would that have been?
actually... maybe not.
eo: jam and spoon - journey to anyoona
http://www.anarchistblackcross.org/i...ls/blkred2.jpgwithout a worker's army, the workers have nothing.[img]


text: This simply bit annoying. I played the game and did not receive the score which I had expected. I had perform all the moves with maximum upgrades but still it is low on score. I started the game back again and still the same. Not able to understand what's going on here.


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Films in London: 2010 preview
Matthew Vaughn's 'Kick-Ass', Tim Burton's 'Alice in Wonderland' and Christopher Nolan's 'Inception' all feature in our preview of 2010's must-see movies...
Shutter Island (Dir Martin Scorsese)Released: MarchMartin Scorsese's eagerly awaited, long-delayed adaptation of Dennis Lehane's novel stars Leonardo DiCaprio as a US marshal investigating a mysterious disappearance from a remote asylum for the criminally insane.
View trailer here
Kick-Ass (Dir Matthew Vaughn)Released: AprilThis latest from ex-Guy Ritchie affiliate Mathew Vaughn looks like a deliciously crude riff on 'Watchmen', as Brit up-and-comer Aaron Johnston plays a gawky teen who dons some green Spandex and chooses to fight crime without actually having any super powers.
View trailer here
Robin Hood (Dir Ridley Scott)Released: MayThe trailer makes it look like a piece of Hollywood historical revisionism on a par with its Costner-starring forebear 'Prince of Thieves', but Ridley Scott re-teaming with his muscular muse Russell Crowe makes this one of 2010's mega-budget must-sees. View trailer here
Alice in Wonderland 3D (Dir Tim Burton)Released:MarchTim Burton tackles the Lewis Carroll classic with the help of the latest 3D CG effects and Johnny Depp (of course!) daubed in white face paint and an orange curly wig as his Mad Hatter. View trailer here
Toy Story 3D (Dir Lee Unkrich)Released: JulyWoody, Buzz and the gang return for their third adventure, which sees them relegated to a kids' day care centre after their grown up owner Andy heads off to college.View trailer here
Scott Pilgrim Vs The World (Dir Edgar Wright)Released: AugustEarly talk on the Twittersphere seems to suggest that Edgar Wright's latest – a graphic novel adaptation starring Michael Cera as the titular Scott Pilgrim who has to defeat the past lovers of his girlfriend-to-be – is set to be a witty and wild treat.
Untitled New Mike Leigh (Dir Mike Leigh)Released: TBCHis first since 'Happy-Go-Lucky', Leigh reunites with Phil Davis, Jim Broadbent, Imelda Staunton and others for a film partly shot in Derby. As ever, the story is a secret.
Cemetery Junction (Dirs Ricky Gervais and Stephen Merchant)Released: AprilIf nothing else, 'The Invention of Lying' and 'Ghost Town' proved that Ricky Gervais could indeed hold his own in Hollywood, but this latest offering – co-written and directed with Stephen Merchant – sees him trying his hand at a homegrown Brit coming-of-age comedy.
Inception (Dir Christopher Nolan)Released: AugustDetails are sketchy on the new film from 'Dark Knight' director Christopher Nolan – all we know is that it's a futuristic corporate thriller which sees Leonardo DiCaprio entering people's dreams in order to extract important information.
View trailer here
Wall Street 2 (Dir Oliver Stone)Released: AprilGordon Gekko is back in Oliver Stone's riposte to the ongoing economic crisis. This time around, Michael Douglas's disgraced financier is teaming up with ruthless young trader Shia LeBouef to uncover a case of corporate malfeasance.
Author: Time Out Film
Top Stories
Meet the dream team: a preview of 'Les Misérables'
Director Tom Hooper and his cast tell us how they turned the super-musical into movie blockbuster.
Oscar predictions
The Time Out film team weighs in on the nominees for the 2013 Academy Awards
January film highlights 2013
Get ready for the big guns… Spielberg, Tarantino and Bigelow
October film highlights
Daniel Craig's 007 comeback, a genius indie romcom and all the mysteries behind 'The Shining' unravelled.
The Time Out film debate 2012 highlights
The results of our study on the state of films and filmgoing in 2012.
Read 'Time Out film debate 2012 highlights'
Martin Freeman interview
'The Hobbit' actor tells us why he wouldn't have a pint with Bilbo Baggins.
Sam Mendes interview
Dave Calhoun speaks to the director of 'Skyfall' about the latest film in the Bond franchise.
Ang Lee interview
The genre-hopping director tells us how he invented a new genre with 'Life of Pi'
Michael Haneke interview
The twice Palme d'Or-winning director discusses 'Amour'.
Read our interview with Michael Haneke
Thomas Vinterberg interview
The Danish director talks about his powerful new drama 'The Hunt'.
Read our interview with Thomas Vinterberg'
Ten things the 'Twilight' movies did for us
Time Out looks back at the impact of the 'Twilight' saga.
Discover what 'Twilight' has done for us
On the set of 'Sightseers'
Time Out heads to the Lake District to visit director Ben Wheatley on set.
Read about our visit to the 'Sightseers' set
Tim Burton interview
The director talks about 'Frankenweenie', which he describes as 'the ultimate memory piece'.
Read our interview with Tim burton
The top ten Christmas films of 2012
Our pick of the best films showing over the festive period.
Read 'The top ten Christmas films of 2012'
What's your film guilty pleasure?
Mean Girls? Dirty Dancing? Tell us your favourite film guilty pleasure.
Read 'Film guilty pleasures'
Five questions about the new 'Star Wars'
What will Disney do to 'Star Wars'?
Read about the new 'Star Wars' trilogy
When teen stars turn serious
Ten young actors come of age on the silver screen.
Read 'When teen stars turn serious'
50 years of James Bond
From Connery to Craig, we revisit all 22 Bond films.
Read '50 years of James Bond'
Paul Thomas Anderson interview
The director talks Scientology and working with Joaquin Phoenix.
Read the interview
Hilarious horror films
Ten funny horror movies which went spectacularly off the rails.
Read 'Hilarious horror films'
Martin McDonagh interview
The director talks psychopaths and theatre – 'my least favourite artform'.
Read the interview
Autumn horror films
We round-up the five best horror movies of Autumn 2012.
Read about this Autumn's best horror movies
On the set of Skyfall
Time Out visits Istanbul to see the latest Bond movie being made.
Read 'On the set of Skyfall'
Bond: then and now
Does Skyfall refresh or rehash the James Bond franchise?
Sally Potter interview
The British director explains why 'Ginger and Rosa' is her most mainstream film yet.
Daniel Craig interview
'I'm almost as in demand as Brad Pitt'


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The Castaways in Newport Beach | Homes in a Gated Community in Newport Beach
The Castaways is a guard gated community located in Newport Beach. The Castaways is bordered by Dover Drive in Newport Beach. The Castaways has 119 homes, and they were originally built in 1997 and 1998 by Taylor Woodrow.
The homes in the Castaways that are located on the front row have sweeping views of the back bay, Newport Harbor and the ocean. The Castaways is a highly sought after community.
The Castaways has Cape Cod Style architecture. Many of the homes do have three car garages. It is a very charming community. The children who reside in the Castaways attend Mariners Elementary School, Ensign Middle School and Newport Harbor High School. Both Ensign and Newport Harbor are very close proximity to the Castaways.
Search for real estate in the Castaways, and homes in Newport Beach.
Sorry, but we couldn't find any results in the MLS that match the specified search criteria.
Other Newport Beach, CA Neighborhoods
For the most-up-to-date information in Newport Beach, we urge you to contact us. We can assist you with all aspects of buying or selling real property in this and other neighborhoods and communities in Newport Beach. Also ask to be placed on an instant notification system when any new Newport Beach MLS listings come on the market or price reductions in the Newport Beach area are posted. Search the MLS for Orange County Homes for sale by zip code.
Return to the Newport Beach Real Estate Home Page
We can assist buyers in all forms of Newport Beach relocation needs including new construction houses, condos, for sale by owner homes, residential lots, lofts, and new homes in various subdivisions across the Newport Beach area. If you are interested in foreclosure homes including pre-foreclosures, short sales, REO properties, bank owned properties and other types of foreclosure properties, then we can assist you. If you're searching for Newport Beach, CA foreclosures, then we invite you to view the listings in this or any of the Newport Beach popular communities on our site. Search the MLS for homes for sale by zip code in Orange County. And if you're searching for condos for sale in the Newport Beach, feel free to browse our updated listings of Newport Beach condos for sale on our site.
Information on this page is based on information on real estate for sale in the Newport Beach area per the CRMLS and is deemed reliable but, not guaranteed


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- Horoscopes
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I have always considered myself to be financially responsible when it concerns the expenditure of public funds. I believe in lowering costs, creating efficiencies, and balancing budgets. I believe my actions over the course of two years as mayor of New London have proven this and, during this time, the editorials of The Day and my administration have agreed on most financial matters. Such was not the case, however, concerning the Sept. 5 editorial, "Costly favoritism," urging me to be veto the recently passed, "Ordinance Regulating Bidding on Public Construction Projects."
I would note that my financial decisions as mayor have often brought me into opposition with employee unions in New London. I do not, and would not, support a union position for political reasons, but I will gladly stand with unions when I believe they are advancing the right policies.
Regarding the City Council's passage of the responsible contractor ordinance, I believe building and trades unions are advancing a good policy and I believe the Day has taken a short term, rather than a long term, view of cost savings and economic growth in our city.
Low bidder rules for construction projects, without the protections that this ordinance provides, favor the success of bids that use lower quality and less trained workers. While a bid awarded may, in today's dollars, be less than a union construction bid, the buildings built are not of the same quality.
How often have we seen buildings constructed only to see them have major costly deficiencies arise within a short time frame? This requires buildings to be repaired, or outright replaced, more frequently, at great cost to city taxpayers.
A responsible contractor ordinance, combined with appropriate budgeting for routine maintenance, will lower costs to city taxpayers in the long term by building, and maintaining, better quality buildings.
I believe the Day's opposition to this ordinance is also short sighted from an economic development standpoint. The greatest form of economic empowerment for our city and state is job creation. Without this ordinance, these multi-million dollar projects often go to companies, and workers, outside our city, and often, outside our state.
When local middle-class union laborers are employed, the money expended on local construction goes back into our local economy. Local workers buy homes in New London, go to New London restaurants and shops, and participate in New London's civic and religious community. The apprenticeship program by our local trade unions affords a pathway to the middle class for young New Londoners. Providing infrastructure work to local labor is the best way to address unemployment in our region, and lift up our regional economy.
If the City of New London is to spend tens of millions of dollars in bonding for construction projects in the coming years, I firmly believe the best way to invest that money wisely is to invest in good quality work that will last, done by local laborers who contribute to our local economy. For the reasons I have stated, when the ordinance passed by council reaches my desk, and over the editorial objections of this newspaper, I will sign it.
Daryl Justin Finizio is the mayor of New London.
Seaside plan combines private lodge with public park, beach access
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Fleming has a record-setting day for NFA as Wildcats, Falcons advance to play for ECC softball title
Fentanyl-related overdose deaths projected to increase significantly
At NRA, Trump slams Clinton for 'heartless' gun restrictions
DOT Commissioner: I-95 widening, improvements should be on 'front burner'


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Spectralis OCT: MultiColor Scanning LaserProf. Sebastian Wolf | 28 September 2015
MultiColor Scanning Laser Imaging is the new colour fundus imaging option for the Spectralis OCT family of products. It adds a new dimension to the multimodality imaging platform by combining simultaneous SD-OCT and selective colour fundus imaging.This... Read More
Zeiss Precision Progressives for a Digitalised...Andrew Lin | 26 July 2015
Digital devices have taken off. An extraordinary 81 per cent of all Australians now own at least one. Within the more mature age group, 69 per cent of 35 to 44-year-olds and 51 per cent of 45 to 64-year-olds are classified as 'mobile... Read More
Micro Labs Getting closer to your customerMelanie Kell | 26 May 2015
An opportunity exists for local ophthalmic lens labs to differentiate themselves from global competitors by offering quality lenses, better client services and much faster delivery times. To ensure fast delivery times – ideally within less than 24 hours ... Read More
Made in Australia Shaan takes on the Lens...Michelle Hauschild | 26 November 2014
It has been a long road, but for the independent, family-owned – and proudly Australian – lens lab company Shaan, the process of updating its lens laboratory with world-class Satisloh equipment is finally complete For Shaan Managing Director Aaron ... Read More
Get Smart Wearable Devices Coming Our WayMelanie Kell | 26 November 2014
Addicted to Google Glass… Really? You bet. The first case has been reported in the USA and there will be more to follow as Google Glass, and many other smart wearable devices make their way to market.According to the experts, by 2020, smart wearables... Read More
Device Technologies ExpandsMelanie Kell | 26 November 2014
Device Technologies' new state-of-the-art facility in Belrose, on Sydney's Northern Beaches, will enable ophthalmologists and optometrists to experience the latest technologies in situ within a realistic surgical or optometric practice... Read More
Future Proofed OCTCarey Hazelbank | 26 September 2014
Ophthalmologists and optometrists considering investing in OCT need to understand the strengths and weaknesses of the technology, and how it complements fundus imaging and other diagnostic tests that contribute to a complete eye exam. Optical coherence... Read More
The Changing Standards for Eye ProtectionAnnette Hoskin | 26 September 2014
An eye injury can have a devastating effect on a person's social and occupational opportunities – yet the vast majority are preventable. New Australian Standard guidelines for eye and face protection are part of a wider strategy to protect... Read More
Zeiss, A New Digital SolutionAndrew Lin | 23 August 2014
Digital devices have taken over our lives. Today, nearly all Australians own either a smartphone or a tablet and nearly 80 per cent of 25 to 40-year-olds own and use at least one digital device.1 It's true to say most of us would be utterly lost without ... Read More
Winter Lens: Finding the SolutionTrevor Inglis | 29 July 2014
Winter weather brings with it unique vision challenges, including reduced contrast on overcast days and glare caused by rain. Tints and polarised lenses can provide the solution by blocking harmful UV rays, reducing glare and increasing contrast sensitivity.... Read More


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Novel that was basis for 'Die Hard' gets rerelease
"A Good Day to Die Hard," the fourth sequel to "Die Hard," opened in theaters on Valentine's Day, starring Bruce Willis, and including a credit to Roderick Thorp.
Years before Bruce Willis's famous 'Yippie-kai-yay,' Thorp wrote the novel "Nothing Lasts Forever," about a detective who must take on 12 terrorists as he's trapped in a skyscraper on Christmas Eve.
That book, a sequel to Thorp's earlier novel "The Detective," eventually became the basis for 1988's "Die Hard." ("The Detective" became a film in 1968, starring Frank Sinatra.)
"Nothing Lasts Forever" has been reissued in print and e-book formats by Graymalkin for the 25th anniversary of "Die Hard."
"'Die Hard' very closely follows the book, so reading 'Nothing Lasts Forever' gives fans the chance to enjoy the thrill of the 'Die Hard' story in more detail, experience the scenes that didn't make it into the film, and discover the novel's shocking ending," said Graymalkin Media Owner and CEO David Zindel in a news release.
Thorp died in 1999, but his estate recently found an 11-page handwritten document that appears to be Thorp's initial treatment for "Nothing Lasts Forever."
"This is an amazing find. It's on these handwritten pages that 'Die Hard' was born," Zindel said.
The 11-page treatment is included as a bonus feature in the new e-book.
"When Roderick Thorp wrote this treatment, he knew he was onto something really big. Reading it, you can share in his excitement as he raced to get the story written down. 'Die Hard' would go on to completely redefine the action/thriller genre."
The novel is similar to the film that eventually resulted, if a bit darker and more introspective. It will even be of interest to readers of detective thrillers who may have somehow missed the "Die Hard" franchise.
In the book, the detective character is named Joe Leland, and is somewhat older and more experienced than John McClane from the first film. But his humanity and world-weariness are conveyed convincingly on the page, as is the drama and excitement as Leland matches wits with the terrorists.


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This rich scrub eliminates impurities, dead skin cells and excess oil while stimulating cellular renewal. Your complexion's radiance is gently restored and your skin is soft and clean.
I use it twice a week and find it to be effective in exfoliating my face; it does remove impurities, dead skin cells and excess oil. I have sensitive skin too and this product doesn't redden my face. For the men, it's a great product to set your skin up for a shave.
I have used dozens of exfoliators, but this one is the best one I've ever used. Gentle, yet effective in removing surface impurities, dead skin, leaving skin soft, smooth and radiant. I've used this one for years and when I can't find it....panic!!! I love all Caudalie products, this one being my favorite. I'm hooked...or should I say....I've been hooked for a very long time!
I have sensitive skin and have tried other products that will give me a rash or red marks.. not this one! This product is very gentle but leaves my skin smooth. I love the ginger scent too!
On cleansed face, neck and decollete once or twice a week using gentle circular movements. Rinse with warm water.
This product can be shipped to any country to which SkinStore currently ships.
There are no DOT restrictions on the delivery of this item – you may elect to have this item sent through any of our delivery methods.


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Ultimate Day Camp
Ultimate Day Camp
Looking for the best of summer camp with out staying overnight?!Ultimate Day Camp is the perfect mix of camp and home life for campers who are not ready to stay overnight. Monday through Friday, campers arrive for 8:30 in the morning and meet with their Bunkhouse Leader at the Plough Inn. Ultimate campers participate in the same day program as the week-long overnight campers including morning lessons in their sport of choice. After joining with the whole camp for a delicious lunch in the dining room, ultimate day campers join in on the afternoon activities with their cabin. Try the Giant Swing, rock climbing, bouldering, waterslide, marksmanship, archery, swimming, boating, trail rides, crafts as well as other exciting activities! At 5:00 in the afternoon while overnight campers are getting ready for dinner, ultimate campers are ready for pick up at the Plough Inn.
Time8:30am - 5:00pm
MealsLunch is included in our program. Breakfasts and Dinners are available for an additional cost of $10/meal. (Please contact our office at (519) 941-4501 or email firstname.lastname@example.com to book meals, or for more info.
- Drop off is 8:30am at the Plough Inn (Monday morning our staff will be waiting for you to show you the way).
- Pick up/sign out is at 5:00pm at the Plough Inn.
- Snack Bar money can be added at the time of registration. Please do not send cash with campers.
- All day camper medications needed during the day must be handed in at registration in original packaging with an explanation and will be administered by the First Aid Attendant.
- Please pack a labeled bag containing:
- Running shoes
- Modest swimsuit, towel and sun block
- Change of clothes
- Reusable water bottle
- Bug Spray
Hockey Camp
Learning ObjectivesProper technique for developing all of the skill areas of hockey:
- Emphasis on AGILITY, MOBILITY & BALANCE
- A positive, fun and encouraging skill session.
- A fair game based on teamwork and sportsmanship.
- Hockey campers must have full equipment including a helmet with a face mask.
- A Teen Ranch jersey will be given to each camper.
- Gear can be left overnight in their assigned dressing room.
Western Riding Camp
Learning ObjectivesProper technique for developing all of the skill areas of western horsemanship.
- Safety & Comfort around horses.
- Proper riding position.
- Western Horsemanship basics.
- Boots with a heel.
- Certified riding helmet.
- Chaps
- Shoes and/or sandals.
Extreme Camp
Learning ObjectivesDaily off-site adventures
- Canoeing
- Caving
- Mountain Biking
- White Water Tubing
- White Water Kayaking
BMX Dirt Camp
Learning Objectives
- Develop your skills as a rider.
- Learn to build jumps and features.
- Learn to maintain your own bike.
Soccer Camp
Learning ObjectivesProper technique for developing all of the skill areas of soccer:
- Emphasis on AGILITY, MOBILITY, & BALANCE.
- A positive, fun and encouraging skill session.
- A fair game based on teamwork and sportsmanship.


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I'd like my calendar pages set up like the screenshots on the documentation page of the calendar.
I can get the Settings page but I don't know where to go from there.
Can anyone help? I'm sure I'm missing something very basic.
I'd like my calendar pages set up like the screenshots on the documentation page of the calendar.
I can get the Settings page but I don't know where to go from there.
Can anyone help? I'm sure I'm missing something very basic.
I apologize but I do not understand what the issue is? Can you provide more details?
Howdy Shane,
Thanks for the response.
I can get the "Events Calendar Settings" page from my dashboard but that's all.
I can't find in the documentation what to do next. How do I put the calendar on a page? How do I add events? How do I get it to look nice and neat like yours?
I have nothing but the one page on my dashboard. I'm sure I'm missing something basic and that is why I am completely lost.
Best, Pam
Hi Pam,
Events show up as posts filed under the "Events" category, which the plugin automatically creates. Now, when you create a post, there appears the question "Is this post an event?". Answering yes to that reveals a form for filling in info about your event. Hope this helps.
Hi Justin,
Thanks! The clouds parted and light got in. Of course, it worked as you described.
May I trouble you once more to explain how I would get the calendar on page of it's own?
Or perhaps you could tell me where the documentation resides then I wouldn't have to ask so many questions.
Thanks again, Pam
I'm totally with Pam - a lot of WordPress plugins a missing very, very basic documentation. Help?
Pam - I've got it. It will depend on your permalink structure, but I set my options for the Default View to 'event list.' Then I created a few posts that I marked as an event as above.
Then, the magic: go to your category page for whatever category you are organising the info under (mine is 'events'). There's a button on the top right to switch between views.
For example, my event is at xyz.com/2010/02/post-title/ and the calendar page is xyz.com/category/events/month/ . <-- (literal, not a placeholder example like /category/happenings/January)
Boy that's kind of hard to explain. I hope I helped make it clearer. I'd provide links, but I'm not going live just yet.
Hi argraff,
Thanks for taking the time to respond. I have been out of town and am now behind but will look at your instructions in the next couple of days. I really appreciate the help!
If I can't make it work I may just create an old fashioned table.
My guess is that, like artists, developers want to develop and documentation is not the fun part of the job. There are many plug ins that are documented nicely. Those get more support because they are more usuable...my newbie theory for what it's worth.
Ciao, Pam
I had installed the calendar, and created an event... but still couldn't see anything on the website. I had to create a link to the /events/ directory.
I'm also having trouble. I've uploaded the plugin, activated it, and added the "Events Calendar" and "Events List" widgets to my right sidebar.
In the Settings for "The Events Calendar" I've set the Default View to "Calendar". Changing it to "Event List" does not appear to make a difference with my problem.
When I create a new post, the option to make it an event is there and I'm able to set the time, date, etc. However, when I click "Publish", there's a delay while the post would appear to be created, but when the screen refreshes back to the Edit Posts page, the post does not appear in the list. More importantly, there are no events listed in the right sidebar of the blog, even though I've created many test event posts.
Obviously I'm new at this and I could sure use some help. I'm using WP 2.9.2, the latest version of Atahualpa theme, and PHP5.
Hi Felix,
I'm impressed with your site. Very clean, aesthetic and clearly well thought out.
This may be too obvious but I have to ask...did you hit the down arrow on the events list widget and check those settings?
Haven't got the calendar totally figured out myself either but thought this may help.
Pam :-)
Hi Pam,
Thanks for your comments. When I click the down arrow on the widget I have the following settings:
Events Calendar: assigned a title of "Community Calendar". No other options avaialble.
Events List Widget: title is "Upcoming Events", show "5" events, and the following boxes are checked: Start Date, Venue, and City.
I hope the developers are reading this thread.
OK, trying out some more things and encountering weird behavior:
There was an event post that would not go to Trash when I clicked that link and it remained listed as a Draft. I finally logged in to my database and deleted it manually from there. OK, all garbage removed, tiem to try the Events Calendar again.
Created a new post, marked it as an Event, filled in some date, time, and location info, and clicked Publish.
The screen refreshes and I see the new post in the Edit Posts list but it's listed as a Draft and doesn't show up on the website. So I go to Edit the post and nothing happens - the screen refreshes back to the list.
So I try the Quick Edit, which does let me access the post, and I change the Draft setting to Published. But when I click Update Post I get a message Error While Saving Changes and the post remains unchanged.
Once again, I cannot send the draft post to Trash so I'll have to manually delete from the database again.
What on earth is going on??
Duh! I just got it.
If you click on "View All Events" from the sidebar widget you get the calendar.
Now if I could put that on a static page so that people could navigate to it directly...
Hey Felix,
I went back to the home page and found that in the example calendar Shane and Peter are in Panama and are scheduled to return today.
Maybe we'll get some answers over the weekend.
All settled now.
I found the perfect solution here:
Thanks for the support Pam, and I'm glad you were able to solve your problem.
Hey Felix,
We did just get back from panama today (http://life.shaneandpeter.com/wp-content/uploads/2010/02/SP-Team-2010-500px-srgb-2.png). I need a couple of days to catch up and then we will go through all the open issues in the forum that require us to do some research. Off the cuff the problems you are describing are quite weird and you are the first to report these type of issues on the admin side. Could be a 2.9.2 issue as we have not tested on that yet.
Thanks Shane. Looking forward to it, and welcome back.
I removed everything and did a complete reinstall but there's no change.
There is one thing I don't know how to do, and I don't know if it's relevant to my problem: Step 3 of Installation reads:
3.Update your permalinks to ensure that the event specific rewrite rules take effect.
I don't know what this means. Obviously under the Settings section there's a Permalinks link, but I'm not clear on any steps I may need to take. I tried creating a Custom Structure that matched my existing URLs (/http:/www.northandeast.org/?page_id=123) but it made no difference.
Something isn't right with mine. The colors seem to be off on both the cal and the list.
Can someone help?
Still waiting for some help Shane
Hey Felix,
Just released 1.5.5. My gut says it probably won't fix whatever wackiness is happening, but lets give it a shot.
As for looking into things properly, can you email me access to your test wp systems. Perhaps we can figure it out then. No promises though. We are all volunteers with full time companies to run.
Hey Shane!
The am/pm issue is fixed in 1.5.5!
I won't bore you with the details of why this was so important to me but it was.
Thanks for the update.
And WOW! bless your hearts for your volunteer time!
I'll go donate some more now :-)
Cheers, Pam
Felix - it might help to know a little bit more about your system. What are plugins are you running? I'll try and set up my test site in a similar fashion and see if I can recreate your problem.
Hey again Shane,
I tried to donate through the donate button on my "new post" page and it just took me back to my list of posts.
Is there somewhere else I can donate to you?
donate to email@example.com via paypal. Thanks Pan - you rock!!
I'll have the crew see if they have the same issue right away.
I am still lost. Sorry.
I want this:
How did they do that?
Wow! I'd like to know how to do that also!
My calendar works but that one if very nice.
I would donate for that info - how about you beyoyo2?
Pam ;)
I will donate if I think this will work and have continued support.
This topic has been closed to new replies.


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About Us
Wellsprings College of Massage Therapy and Esthetics was founded in 1993 to promote alternative medicine in Canada.
Our aim is to maintain the highest standards of education and training in massage therapy.
Wellsprings College of Massage Therapy and Esthetics is located 3 traffic lights north of Elgin Mills Road, on the West side.
The College offers free parking, modern equipment and supplies, and state of the art hydrotherapy facilities.
Now Accepting New Students!!
Welcome to Wellsprings College of Massage Therapy & Esthetics
Professional Massage Therapy Program
Full Time Day Classes
New Class Beginning September 14, 2015
10:00am to 1:30pm
Evening Classes
Evening Classes Beginning September 15th at 6:00pm
Acupuncture Program for Continuing Education Units
Acupuncture Classes Beginning September 21st at 6:00pm
11160 Yonge Street, Unit 12, Richmond Hill, Ontario, Canada L4S 1H5
Web site managed by:
Back2Front - The Web Site People (www.back2front.ca)


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Film review | What's Your Number? - Witless rom-com leaves ditzy Anna Faris out for the count
Anna Faris can be cute and funny in the bubbly, ditzy, Goldie Hawn manner - as she proved in The House Bunny - but she's mostly shrill and irritating in lame chick flick What's Your Number?
Then again, she's hardly helped by a script that casts her as an off-puttingly flaky Boston gal who freaks out when she tallies her relationship history and finds she has notched up 20 lovers. Reckoning she will have missed her chance at true love if she exceeds this number (as the magazine article she's been reading has it), she embarks on a quest to seek out her exes and see if one of them is her Mr Right after all. With help from her studly new neighbour (Captain America's Chris Evans), she begins working her way through the list, wilfully oblivious to the fact that her soul mate might actually be closer to home.
Watching her charmless stalking of her exes is so unfunny you wish she would hurry up and cotton on to this. Instead, we're forced to endure such embarrassing encounters as her meeting with Martin Freeman's English gent in which her put-on British accent slides further and further from her grasp, morphing via Dick Van Dyke to end up sounding like the Swedish chef from The Muppets.
On general release from 30th September 2011.
[swf]http://uk.player.filmtrailer.com/v3.1/&mid=7253&channel_user_id=441100180-1&repeat=1&volume=0[/swf]To activate the sound in the trailer: hold your cursor over the screen to reveal the control panel and click on the volume control in the bottom right-hand corner.


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Tropical Storm Hanna is closing all but one of the state's ferry routes.
The only ferry still operating after dark Friday will be the Hatteras-Ocracoke route. Service on the Southport-Fort Fisher route was already suspended this morning due to high winds and seas.
The Ferry Division expects to resume service Saturday after getting approval from the U.S. Coast Guard.


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$449—$799 1—3 bed 1563 S 79th E Avenue, Tulsa OK, 74112
Previously Listed from $449 1—3 bed
1563 S 79th E Avenue, Tulsa, 74112
Commute to Downtown Tulsa
This apartment is in Tulsa. Nearby parks include Florence Park, McClure Park and Skelly Park.
Hunters Creek Apartments has a Walk Score of 56 out of 100. This location is Somewhat Walkable so some errands can be accomplished on foot.
Welcome to Hunters Creek Apartments, located in the beautiful rolling green hills and wooden terrain of Tulsa, Oklahoma. The Hunters Creek Apartment community is situated with major highways close by, making commuting a breeze! At Hunter Creek Apartments, we offer spacious floor plans which include large walk-in closets, kitchen pantries, as well as private patios and balconies with additional storage closets. Our apartment homes feature an extensive range of amenities and come fully equipped with a dishwasher, disposal, refrigerator, stove, ceiling fan, as well as central heat and air. Hunters Creek Apartments also provide the conveniences of a business center, clubhouse, on-site laundry rooms, free movie rental, swimming pool, serene courtyards and a friendly staff! We welcome you to Hunter Creek Apartment community and its beautiful surroundings. Come see Tulsa, Oklahomas finest apartments. Make Hunters Creek Apartments part of your lifestyle today!
Pets allowed: No
christina Ellison
Jan 26, 2016
New management comfrontational, unavailable, unprofessional, if your lease expires prepare to be robbed, no wifi, no free movie rentals, only couple working washers for whole complex, robberies, no drop box for payments and to hand deliver mo only to mgmt or 75$ late fee well good luck catching the always out manager that never checks messages. Make sure you have renters insurance for when storm drains clog and flood your car or worse sewer backs up ans flood your apt. Yeah use to love it here then new management with a bad attitude and no professional skills took over straight down hill.
a Leal
Mar 31, 2015
I have been here 3 yrs. It was great until about 6 months ago. They refuse to fix anything. They entered our place without telling us and then when we called and asked about a notice they said they put one on the door. The new Manger is one of the rudest people we have talked to. If you try to disagree over the phone she hangs up on you. If you go talk to her in person she threats to call the cops. She doesn't even want to follow the lease. She has towed people's cars even though they are completely current and parked in the driveway. They are infested with bugs but won't cone spray but once every 2 months. The maintenance guy doesn't own but a few tools and didn't even know how to light the water heater. He speeds through the street and has already almost hit a neighbors kid.
Matt Harader
Jan 21, 2014
Most of the time it was ok. I lived there a total of 9 months. After completing my 6 month lease i went month to month for an extra $50 per month, which I think is normal for rental properties. Maintenance was slow to respond to respond. There were three repairs I needed while there. dishwasher went out and wasn't repaired for a week. I had to hand wash everything by hand which isn't that bad but kind of annoying since I was supposed to have a dishwasher. My bathroom sink and toilet kept backing up. I was not able to use my bathroom for about 4 days because of the slow response from maintenance and then it only worked for day before I was out of order for another 4 days. On a separate occasion my bathtub had a bad line and flooded out a closet and I had to complain about a mold smell coming from my closet before they responded a week later. Also I was there 9 months and I think we went through 4 manager changes while I lived there. One manager was fired on my move out day and they had no idea I was moving out. Luckily I kept my move out paperwork because they were going to charge me for another month. I will probably avoid all properties owned by Capital Assets in the future.
Chaniel Bell
Sep 19, 2013
The staff is very friendly and respectful. When I first viewed my apartment, it had dead bugs mainly in the kitchen area . But when I moved in, I didn't see any , it was clean and spotless. The neighbors are friendly and polite. I love my apartment and I didn't have no problems at all. I would highly recommended these apartments to anyone. If your looking for polite and generous staff and a comfortable apartment, hunter's creek is the best choice to live.
Corey Osborne
Sep 04, 2012
After ceiling collapsed and had to call the cops on ALL the fights in the complex, we decided it wasn't worth it. We literally had fights right outside our window 3-5 times PER WEEK... and they have a serious roach problem that they never actually fixed the entire time we were here. (We lived in the apartment directly left of the leasing office and STILL nothing was done) Our lease ended and we were told that we HAD TO RENEW AN ENTIRE NEW LEASE to stay past the 1st of the new month. In a horrible stressful situation (where we thought we were going to be homeless AS WE WERE TOLD), we finally got all we could out of the apartment AND THEY TOLD US THAT THEY WERE STILL CHARGING US FOR ANOTHER MONTH OF RENT!!! We refused to pay the additional month due to the fact they we HAD TO LEAVE; they are now sending us to collections WHEN WE DID WHAT THEY FORCED US INTO- saying they "don't remember saying that"...HORRID business/service with absolute no sense of morals. Don't listen to the cheap reviews they posted on their own page...
Tulsa, Oklahoma, 74112
Some errands can be accomplished on foot.
A few nearby public transportation options.
Flat as a pancake, minimal bike lanes.
About your score
Explore how far you can travel by car, bus, bike and foot from Hunters Creek Apartments.
Hunters Creek Apartments has some transit which means a few nearby public transportation options.
Bus lines:
860S 860 Saturday
0.1 mi
203 Airport
0.1 mi
221 21st Street
0.3 mi
860 East Nightline
0.3 mi
View all Tulsa apartments on a map.
Popular apartment searches include pool, single family and fitness.
Search for homes in Tulsa or find a Tulsa real estate agent who knows walkable neighborhoods. Links will open on our partner site Redfin.com.
Hunters Creek Apartments is in the city of Tulsa, OK. Tulsa has an average Walk Score of 36 and has 391,906 residents.


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Op-Ed: Paving the Way for Sustainable HIghway Financing
RealClearPolicy | May 21, 2015
Congress faces yet another deadline, and yet again is set to stall. This time, there literally could be a bumpy road ahead.
The current legislation authorizing highway and mass-transit spending is scheduled to expire at the end of the month. Not long after that, the Highway Trust Fund (HTF) will run out of reserves, which will cause road-improvement projects across the country to grind to a halt. Legislative action is required to avoid delaying critical infrastructure projects and the jobs they produce.
A two-month extension of highway funding has already been passed by the House and is likely to be enacted soon. Lawmakers should use the extra time to end the cycle of temporary fixes and produce a long-term solution that is free of gimmicks and is fiscally responsible.
Another short-term extension is in keeping with Washington's recent track record in dealing with similar circumstances. Time after time, deadlines have been nearly missed or even outright disregarded when it comes to important budget and fiscal matters. Lawmakers have often kicked the can down the road with short-term patches, only to be forced to address the same issue again and again. Steering haphazardly over these "fiscal speed bumps" has imperiled the nation's finances and caused voters to question the ability of Congress to function.
In the relatively few instances when an issue was actually resolved, it was done in a way that worsened the already unsustainable long-term national debt outlook. This was the case with the recent "doc fix" that permanently replaced the Sustainable Growth Rate (SGR) formula for Medicare payments to physicians. By our calculations, the "fix" will add over $500 billion to the long-term debt.
Now, Congress faces a highway-funding shortfall of about $175 billion over the next decade. That's the equivalent of a 14-cent-per-gallon gas-tax increase, or more than a 35 percent cut in future spending.
After multiple temporary patches, lawmakers want to kick the can yet again, this time in the hopes that tax reform can be enacted later this year and can provide revenue for the Highway Trust Fund.
With our infrastructure spending underfunded and our tax code badly in need of reform, marrying tax and highway policy offers a rare two-for. But passing tax reform is also very hard — which is why it hasn't happened in almost 30 years — and counting on its passage to fund current highway projects puts those and future projects at risk.
Legislators must come up with a plan that charts a course for stable highway funding while avoiding potholes and wrong turns without driving up the debt.
My colleagues at the Committee for a Responsible Federal Budget and I have written a new paper, "The Road to Sustainable Highway Spending," that lays out such a plan — one that would encourage the passage of tax reform to fund highway spending, but not count on it to keep the program solvent.
The proposal has three components:
- Get the trust fund up to speed by paying off $25 billion of "legacy costs" from past highway commitments by reducing unnecessary farm subsidies and extending certain spending cuts from the Ryan-Murray budget deal.
- Bridge the financing gap by ensuring that revenue and spending remain closely in line through a default policy that schedules a 9-cent gas-tax increase one year in the future and limits annual highway spending to revenue collection and interest income.
- Create a fast lane to tax and transportation reform that uses a special process to give Congress the opportunity to utilize tax reform to find alternative revenue to replace some or all of the scheduled gas-tax increase, pay for higher infrastructure spending, or both.
The plan described above gives Congress both the power and the responsibility to decide how we should finance our infrastructure spending and how large the federal investment should be. But it ensures that every dollar of highway spending is fully paid for, and puts an end to the process of temporary gimmick-ridden patches that pave over the real problem.
We face a rocky road for highway funding because policymakers refuse to work together and make the decisions necessary to move forward. There are lots of options available; Congress must build on those ideas. In "The Road to Sustainable Highway Spending," we illustrate one potential route.
We can't afford any more "my way or the highway" attitude from lawmakers. We need collaboration and leadership. It's time to get to work.
Marc Goldwein is the Senior Vice President and Senior Policy Director of the Committee for a Responsible Federal Budget.
Op-Ed: Tax Reform: A Real Possibility and Necessary
Pioneer Press | July 8, 2013
July may be the most important month for tax reform since 1986 -- the last time the tax code was considerably altered.
A week ago, Senate Finance Committee Chairman Max Baucus (D-Montana) and ranking member Sen. Orrin Hatch (R-Utah) sent individualized Dear Colleague letters to all 98 senators requesting input on comprehensive tax reform legislation. The senators advocated for scrapping the entire tax code and rebuilding it one page at a time, defending inclusions on an individual basis.
This letter came a week after the Senate Finance Committee held a series of private meetings on tax reform, including a joint-chamber meeting led by U.S. Rep. and Ways and Means Committee Chairman Dave Camp (R-Michigan) to kick off their summer dialogue tour. The two chairmen will soon begin to traverse the country -- starting in St. Paul on July 8 -- to engage voters directly on tax reform.
"We're going to talk to people, families, consumers, business groups ... to get a better idea of what people are thinking," Baucus said at a June 17 breakfast sponsored by The Christian Science Monitor.
All told, the actions of these leaders signify that a comprehensive rewrite of the tax code is a real possibility and the top priority of some of our nation's most powerful legislators (Sen. Baucus and Rep. Camp will leave their leadership posts in 2015). Obviously, real challenges exist -- namely clear partisan differences and overwhelming hesitation among politicians to discuss eliminating or restricting popular tax breaks -- but the efforts by Rep. Camp and Sens. Baucus and Hatch are a clear step forward and may be the last chance for reforming our inefficient and outdated tax code.
As members of the aforementioned Simpson-Bowles led Campaign to Fix the Debt, we commend Chairman Baucus and Ranking Member Hatch for taking such a bold approach in putting forth the "Zero Plan" and providing valuable leadership in forcing a real discussion on tradeoffs that will advance the cause of serious tax reform and possibly broader fiscal reform. We believe that our nation's unsustainable debt is a very real problem and see tax reform -- along with replacing sequestration with larger, more gradual and sensible spending reductions -- as a necessary first step to tackling the debt.
We are equally excited that Americans can hear details first hand from Rep. Camp and Sen. Baucus.
Eliminating all tax preferences in the past allowed us to reduce the top two rates to 23 percent while setting aside a small portion of the savings for deficit reduction. Starting with a clean slate, and requiring those who wish to add back tax preferences to pay for them with rate increases, would lead politicians to subject tax expenditures to much greater scrutiny and, if desired, then to restore worthwhile tax expenditures in a more efficient and cost-effective manner.
The decision by Sens. Baucus and Hatch to use this approach makes us hopeful that Washington can enact tax reform to attain lower rates, level the playing field, improve simplicity, promote robust economic growth, and reduce the deficit.
We see this as an notable case of bipartisanship and hope that other leaders in the House and Senate will rise to the challenge and act responsibly in using the savings from eliminating the $1.3 trillion in annual "tax expenditures" to lower rates in a progressive manner, reduce the deficit, and restore those tax provisions they consider worthwhile in a more efficient, cost-effective manner.
Now is the time for D.C. to get their act together and make this type of action the new norm. Our nation's future and the lives of our children depend on it.
Former Congressman Tim Penny represented Minnesota's 1st Congressional District from 1983-1995. Former Congressman Mark Kennedy, currently the director of the George Washington University School of Political Management, represented Minnesota's 2nd Congressional District from 2001-2003 and Minnesota's 6th Congressional District from 2003-2007. Both are working with the Campaign to Fix the Debt, a bipartisan group urging enactment of a thoughtful and comprehensive plan that puts U.S. debt on a downward trajectory over the long term while protecting the most vulnerable and meeting the federal government's vital commitments.
Op-Ed: Helping the Budget $150 Billion at a Time
The Hill | January 14, 2014
By all accounts, 2014 is unlikely to be the year of the grand bargain…or anything close. Neither the President nor any of the political leadership is actively trying to fix the nation's fiscal problem; there is no immediate crisis; and the issues of major entitlement reforms and revenues are hard enough that most politicians are quite happy to just look the other way.
That said, Congress has returned to DC to find many outstanding issues including the expiration of extended unemployment benefits, an impending 25 percent cut in Medicare payments to physicians, and the expiration of various targeted tax cuts known as "tax extenders", all of which will create a number of important fiscal litmus tests.
These policies all come with a cost, and the question is; will congress find ways to pay for them or will they resort to their old habit of charging them to the national credit card?
One of the important achievements of the Ryan-Murray budget deal passed at the end of last year was that while it lessened the constricting caps of the sequester, it not only fully paid for the changes, it banked a little extra savings.
Congress should, at the very least, hold itself to the same standard for all of the mini-fiscal moments of 2014. One way to do this would be to pursue three bite-sized $150 billion packages focused on each of these policies.
Already, discussions are underway about an extension of unemployment insurance. Given the still weak condition of the economy, it makes sense to extend unemployment benefits and to consider doing a larger package to create jobs and spur the economy. A package could extend and reform unemployment benefits, along with other measures such as infrastructure investments, job training, or targeted tax breaks aimed at promoting job growth or investment.
One option to pay for this, would be to switch to chained CPI—a more accurate way of measuring inflation—and use $150 billion of the non-Social Security portion of the savings to pay for the growth package and some deficit reduction. (The additional savings that would come from the Social Security program should be used to help shore up the program and provide enhancements to low income beneficiaries.) Such a deal would have the multiple benefits of helping the economy, the fiscal situation, and, separately, Social Security.
A second $150 billion package could pay for fixing the impending 25 percent cut in doctors' payments, or the unsustainable "Sustainable Growth Rate" (SGR). The Congressional health committees have put forward packages which would replace the SGR with a formula that promotes quality over quantity of care and encourages participation in coordinated care models. What they have not done? Proposed how to pay for it.
Congress could pay for these reforms with a $150 billion package of structural health reforms that help slow its cost growth. Such a package could include expanding new forms of cost-controls like bundled payments and readmission penalties; restricting supplemental health plans which lead to the overconsumption of health care; reforming overly-complicated cost-sharing rules; increasing the use of generic drugs; and expanding the means testing of Medicare premiums.
Finally, a third $150 billion package could pay for a one-year extension of the "tax extenders" which expired at the end of 2013, along with a permanent extension of the low-income support from the child tax credit and earned income tax credit scheduled to expire in 2017. One payfor option would be a plan developed by myself, Dan Feenberg and Martin Feldstein of Harvard University, where the amount of tax breaks any one individual can claim are limited to a certain dollar amount, or share of one's income. It's not comprehensive tax reform which we need, but it's a step in the right direction.
These packages won't be nearly enough to solve our debt problem – much more would need to be done. Still, enacting this series of incremental $150 billion packages would be consistent with the simple principle our lawmakers need to re-learn—if something is worth doing, it's worth paying for.
Each of these three packages would save more money than they cost, particularly over the long-term. But none would be about simply making numbers add up, they'd be about improving the way we tax and spend to better promote growth, offer certainty, improve the health system, and moving us toward more responsible budgeting.
Op-Ed: Five Facts You Should Know About Social Security
Huffington Post | January 9, 2014
The recent column by Jane White on Social Security reform mischaracterized the position of the Committee for a Responsible Federal Budget (CRFB) and ignored fiscal realities facing Social Security. CRFB is not calling for a 16.5 percent across-the-board cut in Social Security benefits as White suggests. We are, however, calling on policymakers to act sooner rather than later to address the very real financial challenges facing Social Security that White ignores.
The paper that White references compares the cost of fixing Social Security now as opposed to if we wait. It shows how much benefits would need to be reduced now, or revenues would need to be increased, to restore Social Security solvency, compared to the changes that would be required in ten or twenty years from now. The paper in no way advocates an across-the-board cut in benefits (or an across-the-board increase in the payroll tax) as the way to restore solvency, but simply provides estimates to illustrate how the magnitude of changes required will increase if we delay acting.
While CRFB has not endorsed a specific Social Security reform plan, we have commented favorably on a variety of plans which rely on a mix of reductions in promised benefits, increased revenues and targeted benefit enhancements. We have also developed an online tool, the Social Security Reformer, which allows individuals to view the options for changes in benefits and revenues and design their own plan to restore solvency.
Despite acknowledging that she is not knowledgeable on Social Security's finances and needs to research options for fixing Social Security, she pre-emptively rules out any reductions in promised benefits and speaks favorably about proposals to increase benefits. Taking any reduction in promised benefits off the table will jeopardize the ability of policymakers to take action to ensure Social Security is financially sound for future generations and the government is able to meet other priorities. If White were to begin her research into options for fixing Social Security with an open mind, she would learn several facts which might cause her to reconsider her knee-jerk reaction to any reductions in scheduled Social Security benefits:
1. Benefits will be cut by over 23% within the next twenty years if no changes are made. The Social Security system is already running cash shortfalls, which are projected to exhaust the trust fund by 2031 (according to the Congressional Budget Office) or 2033 (according to the Social Security Trustees). At that point, the benefits Social Security would be legally able to pay would be limited to the revenues coming into the program, which would only be sufficient to pay approximately 77 percent of promised benefits. The 23% cut in benefits would apply to all beneficiaries, including those already receiving benefits and low income seniors with benefits at or below the poverty level.
2. Social Security benefits will increase in real terms for future retirees even with changes in benefits to restore solvency Social Security benefits are indexed to wage growth, which increases faster than inflation. As a result, initial Social Security benefits for future retirees will be higher than they are for current beneficiaries even after adjusting for inflation. In addition, increasing life expectancy means future retirees will receive benefits for more years, resulting in much greater lifetime benefits. Under current law, the average lifetime benefit would double in real terms over the next 75 years. Social Security reform plans which include "cuts" in Social Security benefits to restore solvency simply scale back part of this increase and still result in future retirees receiving higher initial benefits and total lifetime benefits than current retirees.
3. The Social Security shortfall cannot be closed solely through increased taxes on upper income taxpayers. Contrary to the assertion being made by some progressives that the problems facing Social Security can be solved simply by eliminating the cap on taxable wages, the Social Security actuaries estimate that eliminating the cap would close about 70 percent of the program's 75-year shortfall and only about 33 percent of the gap in the 75th year. A proposal from Senator Tom Harkin that would also increase benefits across-the-board would solve even less: closing only half of the 75-year shortfall and 20 percent of the gap in the 75th year.
Under the current structure of the system, a portion of the increased revenues raised from wealthier taxpayers by eliminating the wage cap would go to finance higher benefits for these same wealthy individuals when they retire. The amount of the shortfall that would be closed would be somewhat greater - roughly 86% -- if the wages above the current cap were not credited toward benefits. However, breaking any link between higher contributions and higher benefits would represent a fundamental change in the social insurance nature of the program that causes concern among many supporters of social insurance who believe that the link between contributions and benefits is a key feature of the program.
Eliminating the taxable maximum entirely would also make it harder economically and politically to enact further tax increases on upper income taxpayers to meet other needs. Relying on elimination of the taxable maximum to restore Social Security solvency represents a judgment that preserving 100% of promised benefits under Social Security for everyone, including wealthy retirees, is a greater priority than other possible uses of the additional revenues from upper income taxpayers that would be generated by eliminating the taxable maximum.
4. Delaying action will make the options for restoring solvency more painful Not only does waiting to act mean any tax increases or benefit cuts will be steeper, it literally means they will need to be bigger. A shortfall which could be solved with a 16.5 percent across-the-board benefit cut or 2.7 percentage point increase in the payroll tax today would require a 19 percent cut in benefits or 3.3 percentage point increase in payroll tax if we wait a decade to act. This is true for at least two reasons. First, waiting will mean that there are fewer total people to share in the tax increases or spending cuts - that means more increases/cuts per person. Secondly, the longer we wait, the less money is in the trust fund and the less interest it will generate. Ironically, the actions of those who resist efforts to reform Social Security by downplaying the magnitude of the problem and the need for action to address the shortfalls now will actually lead to deeper cuts in benefits for all beneficiaries and/or greater increases in payroll taxes for workers than would otherwise be the case.
5. The major Social Security plans that rely on a combination of benefit changes and increased revenues to restore solvency include targeted benefit enhancements for vulnerable populations at greatest risk of poverty. The Social Security reform proposals in the Simpson-Bowles and Domenici-Rivlin plans include an increase in the minimum benefit that would enhance benefits for low-income workers and a progressive benefit bump up in benefits for the very old and long-term disabled most at risk of outliving their retirement savings. These provisions would provide greater poverty protections than current law.
Earlier plans to restore Social Security solvency such as the plan proposed by CRFB President Maya MacGuineas along with Jeff Liebman and Andrew Samwick and the legislation introduced by CRFB board members Charlie Stenholm and Jim Kolbe had similar benefit enhancements for low-income populations. Providing benefit enhancements targeted at those most at risk of poverty is a much better use of limited resources than an across-the-board increase in benefits for all retirees, including wealthy seniors, as the legislation introduced by Senator Tom Harkin would do.
The future of the Social Security program is a serious issue that deserves a serious debate that honestly acknowledges the challenges facing the program and trade-offs involved in addressing the problem. Absolutist positions ruling out options before even considering them does a disservice to the debate.
Op-Ed: Don't Be So Quick To Dismiss The Paul Ryan-Patty Murray Budget Deal
Forbes | December 18, 2013
The Congressional Budget Conference Agreement is a paradox. On its face it is underwhelming. It ignores the pressing long-term problems. It "kicks the budget can" for another 2 years. Its savings are not all clean-cut. There is no way to guarantee the out-year savings. Measured against the need, it fell far short.
On the other hand, compared to the fiscal squabbling of the past several years, it was a major reversal, a surprising bipartisan compromise from a Congress which had made that phrase oxymoronic. There has been no budget resolution for years. There has been precious little agreement on anything. Suddenly, it appears that the warring parties have decided that government closings and potential defaults may not be the best policies.
The budget agreement actually did some good things. It cancelled some of the most objectionable parts of the sequester which were threatening immediate harm, especially in defense spending. It replaced those lost savings with small reductions in mandatory spending and small increases in fees.
Even better, it was a two-year agreement. To move from no budget to a 2-year budget is nearly miraculous. The debt ceiling problem aside, government closures seem to be out of the picture for 2 years. It probably does not signal a sea change in Congressional comity, but it does give the Appropriations Committees a chance perform as they are intended, both in FY '14 and is FY '15.
Sen. Murray and Rep. Ryan took the Congress as far as it could possibly go. They gave no important help to the debt and deficit problems, but they did make important changes in the way that the parties and the houses have been dealing with one another. There is no assurance that the Congress has done an about face on its fiscal fisticuffs, but the budget agreement is a welcome change from the unrelenting warfare of the past 5 years.
The debt ceiling hurdle still looms ahead, probably in March. Other policy issues, including trade, immigration, and energy remain untouched. There is hope that Ryan-Murray will be infectious, but 2014 is an election year. Good things seldom happen in election years. But, perhaps, 2014 may be a bit more peaceful than 2013.
What now seems certain is that hope for Grand Budget Bargain is gone, probably until after the next presidential election in 2016. Until then, budget improvements will be incremental at best. At worst, there may be back-sliding. Both parties will cling to their standards. Democrats will defend the big entitlements to the death. Ditto for Republicans in defense against all tax increases.
So, one on hand, the paradoxical Budget Agreement gives reason to celebrate, and, on the other, reason to mourn. Optimists can cheer the first bipartisan budget compromise in years, and the strong House vote. Pessimists can bemoan the unsolved deficit/debt problems, and the expected weak Senate vote.
Op-Ed: Budget Deal is Just a Start
Los Angeles Times | December 16, 2013
The budget agreement reached by the House and Senate this week is a small step forward in restoring some sanity and order to the process. By putting in place a bipartisan plan for the next two years, the agreement represents a much-needed improvement over the uncertainty of governing by crisis that has dominated fiscal policy the last several years.
But the fundamental fiscal challenges we identified in the 2010 report of the National Commission on Fiscal Responsibility and Reform, and the need for reforms of entitlement programs and the tax code, go unaddressed.
The agreement will put in place a slightly more rational fiscal policy — by replacing a portion of the abrupt, mindless across-the-board cuts in discretionary spending resulting from sequestration with smarter and somewhat more permanent cuts, and with reforms to mandatory programs.
The deal also takes some modest steps in addressing long-term fiscal liabilities by adopting scaled-back versions of policies we recommended, such as reforming civilian and military retirement benefits and reducing the unfunded liability facing the federal Pension Benefit Guaranty Corp.
Perhaps most important, this agreement demonstrates that leaders in Washington can actually work together to reach some agreement on fiscal policy. The sad lack of trust between the two parties has been perhaps a greater obstacle to a "grand bargain" than the policy details themselves. We hope that this agreement can serve as a confidence-building measure that will lead to compromise on significant deficit reduction, as other lawmakers follow the good example set by House Budget Committee Chairman Rep. Paul D. Ryan (R-Wis.) and Senate Budget Committee Chairwoman Patty Murray (D-Wash.).
But the agreement also represents another missed opportunity to address our long-term fiscal problems. Doug Elmendorf, director of the Congressional Budget Office, recently warned that despite some improvement in the budget outlook, "the fundamental federal budgetary challenge has hardly been addressed." There is nothing in this agreement that would change that assessment.
The small reforms in this agreement do not address the real long-term drivers of our debt, including the growth of healthcare entitlement programs and Social Security's funding shortfall. We still desperately need to reform the tax code, which is riddled with trillions of dollars in economy-distorting loopholes. The agreement also leaves in place sequester cuts that could have adverse effects on economic productivity and military readiness.
With this agreement, Congress has exhausted nearly all of the easy choices available. That leaves only tough choices for future deficit reduction or sequester replacement, which are critically necessary to keep entitlement programs affordable and the economy vibrant.
Reforms to entitlements and the tax code need not wait for the next election.
Policymakers should take advantage of the need for legislation to fix the flawed Medicare payment formula — which is scheduled to cut physician payments by almost one-quarter — by enacting changes that make Medicare more cost-effective. In avoiding this cut, we must start paying doctors based on quality rather than quantity of care, and we must fully offset the costs of this "doc fix" with structural reforms that slow the rate of growth in federal healthcare spending.
At the same time, Congress should follow the lead of Senate Finance Committee Chairman Max Baucus (D-Mont.) and House Ways and Means Chairman Dave Camp (R-Mich.) to enact comprehensive tax reform that promotes growth and makes the U.S. more globally competitive globally. With $1.3 trillion of annual "tax preferences" in the tax code, there is plenty of money that can be raised from eliminating or scaling them back to reduce rates and deficits.
Policymakers should also go further in paring back the sequestration cuts. They should pay for that additional relief by eliminating unwarranted subsidies and low-priority spending, further reducing Medicare costs and improving the way we measure inflation in the federal budget and tax code.
Finally, we must reform Social Security to make the program financially sound for future generations.
We are pleased the two sides have proved they can find common ground on a small agreement. Now they have to "get crackin'" and come to grips with difficult challenges to solve our nation's grave long-term fiscal problems and put the budget on a fiscally sustainable course.
Op-Ed: Avoid Budget Gimmicks
zpolitics | December 9, 2013
As the Congressional budget conference committee nears its December 13 deadline for producing a budget agreement, it is very unlikely that the conferees will come up with the "grand bargain" needed to slow the unsustainable upward trajectory of our national debt.
It is likely they will put forward a small deal that replaces some of the damaging sequester cuts with smarter, long-term deficit reduction. As frustrating as this may be, in today's divided Washington, even a small deal would reflect progress.
Beyond paving the way for larger compromises, the conference resolution should also satisfy some important criteria for credibly reducing the deficit. In a recent paper, we outlined several of these goals. Any budget deal should begin to account for the long-term fiscal outlook and set responsible spending limits even if it doesn't fill in all the specifics. It should also put in place a process for the next step, to deal with the major budget challenges of health care, retirement and tax reform. It should also include a separate track to strengthen and reform Social Security. And the immediate deal should refrain from using any budget gimmicks.
What is a budget gimmick? Simply put, it's an accounting trick that allows lawmakers to artificially create or inflate budgetary savings. Imagine if you make some tough choices one month and are able to put away $100. When planning your budget for the next month, you decide to use those savings to pay your $100 heating bill and buy a $100 cell phone. It doesn't take an economist to realize that budget isn't going to work.
Congress has considered doing the same thing, but on a much larger scale. Lawmakers have proposed using every trick in the book in order to justify more spending or congratulate themselves on phantom deficit reduction.
For instance, the Congressional Budget Office only scores legislation based on its budget impact over 10 years, so Congress will often make sure that provisions that will increase the deficit don't take effect until the second decade after a bill is passed. Projected war and emergency spending, including Superstorm Sandy relief, grows with inflation. If lawmakers rein that spending in by applying budgetary caps, they can claim bogus savings for unspent money. Lawmakers have also considered willfully disregarding the inevitable, like counting savings from expiring provisions — the Child Tax Credit or Pell Grants — that will almost certainly be renewed. Talk about counting your chickens before they hatch.
The scary thing is that Congress could get away with these tricks because so few people will call them on it. So encourage your Members of Congress to oppose any resolution that includes budget gimmicks. Tell them that you expect them to work with their colleagues on a budget compromise to put the debt on a downward trajectory as a share of the economy over the long term.
Our elected officials are smart enough to know that this issue is too important for tricks. The conference committee has an opportunity to stop the games and get serious about the debt before it is too late. We are counting on them to do just that.
Op-Ed: Friday the 13th Approaches
The Hill | December 5, 2013
Friday the 13th has additional significance this year. In addition to being an annual day of caution for superstitious people, it is a deadline date and day of opportunity for the recently appointed joint Senate and House Budget Conference Committee to report its recommendations for the fiscal 2014 budget. Hopefully this committee will not be a super failure like the joint "Super Committee" that was formed after the debt ceiling deal in August of 2011.
While the American people and many fiscal advocates would like to see the Committee address the 2014 budget and our greater structural budget challenges, such is not likely given the current state of dysfunction and disconnection in Washington, DC. The partisanship is too great, the ideological divide is too wide, and real presidential leadership is lacking.
It's clear that the Committee has been working to tap down expectations of what it is likely to achieve. The Committee is focusing its efforts on trying to achieve a deal to replace all or part of the sequester for a two-year period with alternative direct or indirect spending reductions. To do so they should focus on mandatory spending proposals in President Obama's budget submission and unallocated funds from prior budgets. While achieving agreement on discretionary spending levels for two years would be good, it's not enough and the Committee should aim higher.
While achieving agreement on a fiscal "grand bargain" is beyond reach, it would be desirable for the Committee to agree on a fiscal goal that the Congress and president would seek to achieve over time. One possible goal would be to set a target of getting public debt/GDP down to 60 percent of GDP by 2030 with a fiscal trajectory that will keep debt/GDP no higher than that level over time. This would be a meaningful accomplishment and would ultimately force the Congress and the president address the four key actions needed to effectively address our longer-term structural deficits. Namely, the need for social insurance reform, additional health care reform, comprehensive tax reform, and a more intelligent way to address discretionary spending allocations.
In addition to the above, the Committee could embrace some of all of the No Labels Problem Solvers' legislative proposals from their Make Government Work! agenda. This agenda involves nine pieces of "good government" oriented legislation to help improve the economy, efficiency and effectiveness of government, and all of them have achieved bipartisan support. The list can be found at www.nolabels.org.
The American people are tired of the hyper-partisanship and ideological gridlock in Washington. They want their elected officials to start solving problems and generating some results. Hopefully this Friday the 13th won't involve another fiscal failure and lost opportunity. America and Americans deserve more from their elected officials.
Op-Ed: Which Corporate Taxation for America?
Project Syndicate | December 2, 2013
Corporate tax reform is one of the few issues that garner bipartisan support in a deeply divided US Congress. The current system, all agree, is deeply flawed: the corporate tax rate is too high by global standards, and the corporate tax base is too narrow, owing to numerous credits, deductions, and special provisions that distort economic decisions.
But there is significant debate about how to fix the system. One major area of disagreement is how to tax the foreign earnings of US multinational companies (MNCs), a disagreement highlighted by the recent proposals issued by Senator Max Baucus, the chair of the Senate Finance Committee.
The current US system is based on a worldwide principle: the foreign earnings of US companies are subject to US corporate tax, with the amount owed offset by a tax credit for taxes paid in foreign jurisdictions. Most other developed countries, by contrast, have adopted "territorial" systems that largely exempt their MNCs' foreign earnings from home-country taxation.
MNCs headquartered in countries that employ a worldwide tax system are at a disadvantage when they compete in third-country markets with MNCs headquartered in territorial systems. Whereas US MNCs must pay the high US corporate tax rate on profits earned by their affiliates in low-tax foreign locations, MNCs headquartered in territorial systems pay only the local tax rate on such profits.
For example, when a US firm and a firm headquartered in a territorial system compete in a country where the local tax rate is 17%, the foreign firm owes 17% of its profits in taxes to the local country, while the US firm owes 35% of its profits in taxes – 17% to the local country plus 18% to the US. That difference translates into a sizeable cost advantage that allows the foreign firm to charge lower prices and capture market share from its US counterpart.
Current US law attempts to offset this competitive disadvantage through deferral: US MNCs are allowed to defer – potentially indefinitely – payment of US corporate tax on their foreign earnings until the earnings are repatriated to their US parent firms. Not surprisingly, most US MNCs take advantage of the deferral option for at least some of their foreign earnings.
As a means of bringing back this estimated $1.7 trillion in foreign earnings, the Senate Finance Committee's draft proposals suggest the elimination of deferral. However, faced with the threat to their competitiveness that this would pose, many US MNCs would shift their headquarters to countries with lower corporate tax rates and territorial systems.
The global competitiveness of US MNCs and where they are based matter to the health of the US economy. Despite the rapid growth of foreign markets, US MNCs still locate significant shares of their real economic activities – about 65% of their sales, 68% of their employment, 70% of their capital investment, and 84% of their R&D – at home. Much of their domestic activity – particularly R&D, which has significant local spillover benefits – is related to their headquarter functions. And foreign direct investment by US MNCs is not zero-sum: it encourages rather than reduces employment, investment, and R&D in the US.
Deferral is essential to maintaining US MNCs' competitiveness as long as the US relies on a worldwide corporate-taxation system. But deferral is not without significant costs for US MNCs and the US economy alike. Deferred earnings held abroad are "locked out" of the US economy, in the sense that they are not directly available for domestic use by US MNCs and their shareholders.
Moreover, deferral distorts corporate balance sheets and capital-allocation decisions. For example, firms may use earnings held abroad as collateral to take on more debt and incur higher borrowing costs at home. Or they may use these earnings to make investments abroad that yield a lower return than investments at home. Overall, such efficiency costs are estimated to be 1-5% of deferred earnings, rising as deferrals accumulate.
As the Senate Finance Committee's draft proposals suggest, the US should jettison its worldwide approach to corporate taxation and adopt a territorial system for taxing US MNCs' foreign earnings. Such a system would provide a level playing field that supports US MNCs' global competitiveness. It would also eliminate the efficiency costs of deferral and boost US MNCs' repatriation of foreign earnings, with significant benefits for output and employment.
Based on recent research that incorporates conservative assumptions, we estimate that under a territorial system US MNCs would repatriate an additional $100 billion a year from future foreign earnings, adding about 150,000 US jobs a year on a sustained basis. We also estimate that under a transition plan for taxing the existing stock of foreign earnings held abroad, similar to one proposed by US Representative Dave Camp, US MNCs would repatriate about $1 trillion of these earnings, adding more than $200 billion to US GDP and about 1.5 million US jobs over the next few years. These are significant gains for an economy that is still operating far below potential, remaining about 1.5 million jobs short of its pre-recession employment level.
A territorial tax system does have one potential disadvantage: it could strengthen US MNCs' existing incentives to shift their profits to lower-tax jurisdictions. Competitive cuts in corporate tax rates, the spread of tax havens, and the rising importance of easily movable intangible capital have already made these incentives more powerful. Recent studies find growing segregation between where MNCs locate their real economic activities and where their profits are reported for tax purposes.
Income shifting and the resulting erosion of domestic tax bases pose serious challenges, and countries with territorial systems have adopted tough countermeasures to combat them. If the US moves to a territorial system, it should follow suit. A modern territorial system with adequate safeguards against income-shifting and base erosion is the right approach to taxing the foreign earnings of US MNCs.
Op-Ed: Yes, There's Hope for a Big Budget Deal
U.S. News and World Report | November 25, 2013
Conventional wisdom about the outcome of the Budget Conference Committee – co-chaired by House Budget Chairman Paul Ryan, a Republican, and Senate Budget Committee Chairwoman Patty Murray, a Democrat – is that nothing much will happen. At best, they will cut a small-bore deal to avoid another government shutdown or debt crisis before the congressional elections in November. They will fail to enhance near-term growth or tackle the tax and entitlement reforms needed to stabilize future debt increases. The excuses are: the challenges are too big, time is too short and conferees don't have the legislative tools to do anything substantial.
We disagree.
Time for the conferees is short, but they have the option of buying more time for the big decisions. The challenges are huge, but the consequences of failure are even worse. Most important, the conferees have a legislative tool – reconciliation – at their disposal that enables them to find a lasting solution, if they have the will to do so.
The conferees could agree on a short-term package to overturn the fiscal year 2014 sequestration caps that are punishing the recovery and making it hard to deliver the government services that both parties want. That would already be an important step in the right direction. But there is an opportunity to do more. At the same time, conferees could issue reconciliation instructions to the committees of the House and Senate to make fundamental, phased-in changes in taxes and entitlements. Such instructions could set a date in March 2014 as the day for committees to respond to the instructions with long-term, pro-growth changes in taxes and entitlements that would stabilize and begin to reduce the ratio of U.S. debt to the size of the economy.
Both sides fear reconciliation. Republicans fear it will lead to higher revenues. Democrats fear it will lead to future reductions in Medicare, Medicaid and Social Security benefits. In other words, both are afraid to even discuss the changes needed to grow the economy faster and start the nation's debt accumulation on a downward path. Both are afraid to do more than kick the proverbial can down the road one more time.
But fear is not a strategy. All of the bipartisan budget strategy groups, including the Debt Reduction Task Force that we co-chaired at the Bipartisan Policy Center, have proposed reforming income taxes to enhance economic growth and raise more revenue without raising tax rates. They also recommended slowing the growth of health care entitlements by making care delivery more efficient and preserving Social Security for future retirees by making the program solvent. The budget conferees have an opportunity to change the dismal trajectory of:
- Defense sequesters that will make America more vulnerable in an increasingly armed world;
- Domestic sequesters that are "eating our seed corn," diminishing investments in health, education, science and infrastructure;
- A quick return to increasing debt that slows future growth and requires ever-increasing resources for debt service.
We do not underestimate the difficulty of finding common ground in our polarized political environment. It has been more than a quarter of a century since a divided Congress – one chamber Democratic and one Republican – has been able to reach a budget agreement. This fact alone shows that the challenges for bipartisan progress remain imposing. But the challenges can be met – time is sufficient, obstacles can be overcome and legislative tools exist.
However, only the active engagement on a sustained basis by the president and by congressional leadership can achieve a breakthrough. As Presidents Clinton and Reagan showed, if an executive is willing to use the bully pulpit, fiscal paths can be changed, fear notwithstanding.
In the last three years, the president and Congress have done three things: avoided a fiscal cliff of their own making; avoided a debt default danger of their own making; and continued the prospect of lurching from one budget crisis to the next without solving underlying problems. Now is the time to shift to the real issues. Negotiations should focus on existing entitlement promises that cannot be met with the current system and on a simplifying a tax code that is now anti-growth.
Are we naïve?
Maybe, although we combine about 90 years of work in the fiscal arena. Perhaps we are both nostalgic for negotiations when fear was pushed aside and leaders risked rejection. We have experienced agreements that came together even when time was short, the challenge huge and emotions high. We believe these conferees can do so as well if they have courage and party leaders have their backs.


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A significant amount of the next wave of bank paybacks of government money will be from large, well-known institutions, and may satisfy some critics who felt that the "bailout" was a waste of taxpayers funds, rather than being the investment that it actually was.
IN PICTURES: 9 Ways To Go Bankrupt
The Capital Purchase Program (CPP), an integral part of the Troubled Asset Relief Program (TARP) initiated by the Bush Administration, has certainly been one of the more controversial parts of the government "bailout" with its restrictions on executive pay, dividends and other corporate activity, leading most participants to regret enrolling in the plan.
Most of the banks announcing that they would redeem the preferred stock issued to the U.S. government as part of the CPP have been small regional or community banks that paid back what amounted to only a pittance of the hundreds of billions that the government invested in the nation's financial sector. These include First Niagara Financial Group Inc. (Nasdaq:FNFG) which took $184 million, and Somerset Hills Bancorp (Nasdaq:SOMH) which received only $7.4 million.
Not so for the next round, as already three of the banks that were assessed in the Supervisory Capital Assessment Program (SCAP), or stress tests, as they are colloquially known, have announced they are raising equity to be used at least partially for this purpose. (Break down the walls around researching financial institutions' financials Analyzing A Bank's Financial Statements.)
U.S. Bancorp (NYSE:USB) said it was conducting an equity offering to raise $2.5 billion, and issuing a five year note in the amount of $1 billion.
Capital One (NYSE:COF) is issuing 56 million shares of its common stock, which, at the current price of $28.50, would raise approximately $1.6 billion.
BB&T (NYSE:BBT) announced a $1.5 billion offering of common stock, and also cut its dividend to retain capital.
All these banks would need to do additional capital raising, or use current funds as the amount raised falls short of what they received from the government when it issued preferred stock and warrants. U.S. Bancorp received $6.6 billion, Capital One received $3.5 billion and BB&T took in $3.1 billion.
All three banks were unscathed by the SCAP, with none needing a capital buffer under the adverse scenario that the Federal Reserve conducted. The other six institutions that had no need for capital are American Express (NYSE:AXP), JP Morgan (NYSE:JPM), Met Life (NYSE:MET), Bank of New York Mellon Corp. (NYSE:BK), Goldman Sachs (NYSE:GS) and State Street (NYSE:STT).
Look for some of these six next to either raise capital or announce that it will use existing capital to redeem the government preferred, except for Met Life, which was the only one either smart or lucky enough to turn it down.
Most felt that the CPP was a bailout, and represented a loss of cash for the government and thus a loss for the taxpayers. Hopefully, the actions of the next group of banks, which will be paying back every penny they received with accrued interest, will convince the public that the investment the government made wasn't so bad after all. (Learn more in Is the current government bailout a fool in the shower?)


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Topic: Multiple "fo:flow" Elements in a Page Sequence
Posted: 09 Dec 2011 at 9:46am
Q: Can we have multiple fo:flow elements in an fo:page-sequence?
A: Yes, you can have multiple fo:flow elements in an fo:page-sequence by using "fo:flow-map".
Q: How can I use the element fo:flow-map to help me accomplish this?
A: Here are some instructions to better demonstrate the usage of "fo:flow-map". See sample code below:
1) You can initially assign multiple fo:flow's within the fo:flow-map element. See below...
<fo:flow-map flow-map-name="flow-map">
2) Within the fo:page-sequence, you can reference the above "fo:flow-map" and use the flow-name attribute appropriately. See below...
<fo:page-sequence master-reference="Letter Page" flow-map-reference="flow-map">
Q: How can I accomplish making these changes in the XF Designer tool?
A: You can make these modifications in the XML/Text editing view. To navigate to this view, you can simply click on the "View" tab and reference the "Document Views" group. Then click on "Text View".
For more information on using fo:flow-map, please see the attached examples or visit:
Edited by justinw - 14 Dec 2011 at 9:45am
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Lau: Blues and Greens: A Produce Pa (Paperback)
On Our Shelves Now
Alan Chong Lau's poetic memoir of his days as a produce worker in Seattle's Chinatown reveals a microcosm of grassroots, working-class Asian America -- a world where customers, workers, and fruits and vegetables intersect in exchanges that crackle with energy and brim over with humor.
With the simple profundity of a Zen koan, the poems bear witness to people's humanity. Lau portrays in words and pictures a community in constant flux as it moves to the push and pull of immigration. Blues and Greens has a lot to say about Asian Americans. What emerges is an acutely observed, nuanced critique of where Asian Americans -- native-born, refugee, and migrant -- are today.
About the Author
Lau was born in Paradise, California. His writing has appeared in many publications and anthologies. His paintings have been exhibited in the U.S., England, and Japan.


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With the goal of creating detailed, timeless product, Vancouver-based Herschel Supply Co. has been producing quality bags, travel goods and accessories since 2009. The Woodlands Backpack is constructed from a heavyweight cotton and comes fully-lined with our signature coated cotton-poly fabric, featuring leather details, a single front pocket with key clip, internal media pocket, 15″ computer sleeve pocket (fitted for MacBook Pro's) and lower leather shoulder strap adjustments. Available now in bird print.
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