text:
But no-poo followers say they are careful to rinse their baking-soda scrub before adding vinegar to their hair.
From Curtis' perspective, it is important for people living in Utah to replace the natural oils in their hair because of our dry climate. She advises people in this state use a deep conditioner once a week.
Her colleague, Brenda Matern, said she worries that a person using baking soda could strip too many of the natural oils out of their hair. As for how often a person should wash, she said it is personal preference.
"Some people say not to wash your hair every day," she said. "I wash every day."
Moore, on the other hand, advises clients with normal hair to shampoo every other day. For people who say they "have to" wash every day, she still recommends shampooing every other day, but then rinsing and conditioning on the off day.
But no matter how a person washes their hair, Moore advocates it be done regularly.
"You must consider that your head emits natural oils, and a buildup of this oil also means a build-up of pollutants from the air, sweat and bacteria," said Moore. "Washing on a regular basis is healthy and generally recommended."
With the no-poo method, people generally go through a two-week transition period when their hair feels dirty and greasy, according to Moore. But after that, oil production slows, and they will feel their hair become more balanced and normal.
Christi Colvin wrote in a recent blog posting for www.naturemom.com that she loves what no-poo does to her hair.
"I have straight-as-a-board, baby-fine hair that has never held a 'do,' " she wrote. "After no-poo, I don't even have to use styling products. I just blow dry and go; my hair now keeps any style."
But Duke won't go no-poo again. She admits that she didn't wait long enough for the method to allegedly work on her hair, but said it wasn't worth feeling dirty as her hair adjusted to the experiment.
"I think it's important for people to be aware of the impact of their personal beauty choices, whether it be from manufacturing and waste, or from chemicals used," said Duke. "But ultimately, it's a matter of balance. If something doesn't work for you, like the no-poo, it's not worth the energy beating yourself up over it."
E-mail: firstname.lastname@example.com
The no-poo method
1. Use 1 tablespoon of baking soda per 1 cup of water. Put baking soda in water and stir until dissolved. Apply to your hair and rinse thoroughly.
2. Most people use apple cider vinegar to condition their hair after the baking soda scrub. Use 1 tablespoon vinegar per 1 cup of water. You can add fragrances, honey, or some lemon juice to dilute the smell. Apply to hair and rinse thoroughly.
3. Shampoo and condition with baking soda and vinegar as often as you find necessary. Your usage should slow as your hair's natural oils regulate.
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text:
The Kansas City Chiefs were the front runners for Alex Smith, and they didn't let anyone get ahead of them.
Andy Reid got his guy, and he gave up a lot for him, but Smith was clearly the top quarterback either in free agency or the draft.
According to Tim Kawakami of the San Jose Mercury News, the 49ers will get a second-round pick this year and a similar selection in the 2014 draft, in exchange for Smith.
Kansas City can move on to address other positions of need now that they have gotten the biggest piece of business out of the way.

subset: commoncrawl


text:
The "reuse" part of the "Reduce, Reuse, Recycle" mantra lends itself very well to children's art supplies. We've all made hand puppets out of paper bags and paint trays out of egg cartons, but here are a couple tricks you probably haven't tried yet.
Telephone Books
Before shipping your phone book off to the recycling center, you can first use its pages when kids are applying glue with glue sticks. Don't waste a big sheet of newspaper for those little outlines left by glue sticks. Turn to a clean page in your phone book and glue away! When you're finished, simply turn the next page. In this way one phone book could perform this task for many years, and it could still then be sent to the recycling center.
A phone book can be used in a similar way to provide a cutting surface when you're using a blade such as an Exacto knife or rotary cutter.
Milk Jugs
The flat part of a plastic milk jug is the same material used in commercially produced stencils.
1. Clean your jug and with scissors trim out just the untextured, flat bits.
2. Draw your pattern with a fine-tipped permanent marker.
3. Lay your soon-to-be stencil on a cutting surface, such as a phone book, and carefully trim out the holes in your pattern.
4. Use this stencil the same way you would use one purchased from the store. It's durable and can be used over and over.
These are just a couple ideas for reducing waste and saving money on craft supplies. What tricks have you come up with? Send them to me at email@example.com and you could see your idea in our next 'Green' Column!


text:
Dax Rushlow is no stranger to the Bigfoot world. Rushlow emits a larger than life energy while searching for Sasquatch every free moment he gets. He has found footprints, huts and even had an in-person sighting of Bigfoot in 1987.
Rictor Riolo is a waiter at the Hard Rock Hotel in Las Vegas, NV. He has a more technical take on finding Bigfoot and has the cameras, tools and devices to prove it. Riolo pays great attention to detail, is an expert at collecting evidence, and conducts interviews with researchers to familiarize himself with the mid-tarsal break and other aspects of Bigfoot.
Rushlow and Riolo were brought together by their common passion for Bigfoot and are ready to do what it takes to prove its existence.


text:
Bratton's Corporate Work Complicates Return As Police Commissioner
He worked with several companies lobbying to do business with the city.
In Bill Bratton, Mayor-elect Bill de Blasio found a police commissioner with an impressive reputation for bringing down crime rates while leading the NYPD from 1994 to 1996, and then the LAPD from 2002 to 2009. When he wasn't policing, Bratton lobbied his expertise into a profitable career in private security consulting. Now his experience in the private sector is creating some headaches as he transitions back into public office, as Bratton happens to sit on the boards of two companies attempting to do business with the city, and serve as a senior adviser to another.
The New York Times reports that Bratton is resigning from each position. This month he stepped down as a senior adviser at the global risk management firm Kroll, and he is also leaving the boards of Motorola and ShotSpotter, which uses microphones to determine the locations of gunshots. After testing the technology in 2010, the NYPD found too many false positives, but De Blasio's campaign website says he plans to "invest" in the sensors "for the 15 highest crime neighborhoods."
In addition to resigning, Bratton told the paper he won't give paid speeches or do outside consulting work while serving as police commissioner. Bratton said he and De Blasio "never had a conversation about ShotSpotter," and he won't be involved in procuring the system for the city. "I don't see any issues at all going forward," he said. "And if there is an issue that comes up, then I'll just recuse myself from any part of the decision making on it." And just in case you don't want to take his word for it, he's also working with the city's Conflicts of Interest Board to make sure his public and private careers stay separate.


text:
a foot on 5 continents
Sandrine Fauconnet
My selection of my favourite pics of the 14 countries I visited across 5 continents .
2008 was quite a year in terms of travels.
Comment posted.
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Crete Κρήτη
Published November 08, 2011
Sydney through my lens
Published November 07, 2008
Southern Africa Photographic Explorer
Published July 27, 2008
Namibian People
Published July 09, 2008
Blurb Sites


text:
> Current Rule on Electronic Filing and Service*
*Applicable in: Twin Falls County and the Snake River Basin Adjudication (SRBA) - Mandatory e-filing begins Monday, January 11, 2016
1(a). Scope of rules.
1(b). Amendments.
1(c). District court rules.
1(d). Electronic signatures.
3(a). Commencement of action.
3(b). Designation of party.
3(c). Privacy protection for filings made with the court.
4(a). Process - Summons - Issuance - Time limits.
4(b). Summons - Form.
4(c)(1). By whom served.
4(c)(2). Executing process.
4(c)(3). Service of facsimile or telegraphic copy.
4(d)(1). Summons - Personal service.
4(d)(2). Service upon individuals.
4(d)(3). Service upon infants and incompetents.
4(d)(4). Service upon domestic or foreign corporations.
4(d)(5). Service upon state, agencies or governmental subdivisions.
4(d)(6). Receipt of service.
4(e)(1). Summons - Other service.
4(e)(2). Service - Completion.
4(f). Territorial limits of effective service.
4(g). Return.
4(h). Amendment.
4(i). Voluntary appearance.
5(a). Service and filing of pleadings and other papers - Service - When required.
5(b). Service - How made.
5(c). Service - Numerous defendants.
5(d). Filing.
5(e). Filing with the court.
5(f). Proof of service.
5(g). Service on attorney-legislator suspended during sessions - Emergency provisions.
6(a). Time computation.
6(b). Enlargement.
6(c)(1). District court held in each county.
6(c)(2). Order to show cause - Affidavits.
6(c)(3). Show cause hearings in divorce and custody proceedings (other than contempt matters). [Repealed]
6(c)(4). Show cause hearings - Generally.
6(d). For motions - Affidavits. [Rescinded]
6(e)(1). Additional time after service by mail.
6(e)(2). Setting hearings by court.
6(e)(3). Stipulations not binding on court - Continuance of trial or hearing.
7(a). Pleadings allowed - Form of motions - Pleadings.
7(b)(1). Motions and other papers.
7(b)(2). Captions, signing and form of motions.
7(b)(3). Time Limits for Filing and Serving Motions, Affidavits and Briefs.
7(b)(4). Hearings by telephone conference or video teleconference.
7(b)(5). Video teleconferencing for mental commitment hearings.
7(c). Demurrers, pleas and exceptions abolished.
7(d). Declarations.
8(a)(1). General rules of pleading - Claims for relief.
8(a)(2). Transfer.
8(b). Defenses - Form of denials.
8(c). Affirmative defenses.
8(d). Effect of failure to deny.
8(e)(1). Pleading to be concise and direct - Consistency.
8(e)(2). Two or more statements of claim or defense permissible.
8(f). Construction of pleadings.
9(a). Pleading special matters - Capacity.
9(b). Fraud, mistake, condition of the mind, violation of civil or constitutional rights.
9(c). Conditions precedent.
9(d). Official document or act.
9(e). Judgment.
9(f). Time and place.
9(g). Damages.
9(h). Limitations.
9(i). Libel or slander.
9(j). Description of real property.
10(a)(1). Form of pleadings - Caption - Name of parties.
10(a)(2). Lost papers.
10(a)(3). Language, abbreviation and numbers.
10(a)(4). Unknown party.
10(a)(5). Designation of unknown.
10(a)(6). Filing fee - Waiver.
10(b). Paragraphs - Separate statements.
10(c). Adoption by reference - Exhibits.
11(a)(1). Signing of pleadings, motions, and other papers; sanctions.
11(a)(2). Successive applications for orders or writs - Motions for reconsideration.
11(a)(3). Withdrawal of files.
11(b)(1). Change of attorneys.
11(b)(2). Withdrawal of attorney.
11(b)(3). Leave to withdraw - Notice to client.
11(b)(4). Withdrawal upon death, extended illness, absence, or disbarment of attorney.
11(b)(5). Limited Pro Bono Appearance.
11(c). Verification.
12(a). Defenses and objections - When and how presented - By pleading or motion - Motion for judgment on pleadings - When presented.
12(b). How defenses and objections presented.
12(c). Motion for judgment on the pleadings.
12(d). Preliminary hearings.
12(e). Motion for more definite statement.
12(f). Motion to strike.
12(g). Consolidation of defenses in motion.
13(a). Compulsory counterclaims.
13(b). Permissive counterclaims.
13(c). Counterclaim exceeding opposing claim.
13(d). Counterclaim against the state.
13(e). Counterclaim maturing or acquired after pleading.
13(f). Omitted counterclaims.
13(g). Cross-claim against coparty.
13(h). Joinder of additional parties.
13(i). Separate trials - Separate judgments.
14(a). Third party practice - When defendant may bring in third party.
14(b). When plaintiff may bring in third party.
15(a). Amended and supplemental pleadings - Amendments.
15(b). Amendments to conform to the evidence.
15(c). Relation back of amendments.
15(d). Supplemental pleadings.
16(a). Pre-trial conferences, objectives.
16(b). Final pre-trial procedure.
16(c)-16(g) Repealed.
16(h). Exhibits and witnesses.
16(i). Sanctions.
16(k). Mediation of civil lawsuits.
16(l). Repealed.
16(m). Repealed.
16(n). Registration of private civil litigation evaluators.
17(a). Real party in interest.
17(b). Capacity to sue or be sued.
17(c). Infants or incompetent persons.
17(d). Unknown owners or heirs as parties.
18(a). Joinder of claims.
18(b). Joinder of remedies - Fraudulent conveyances.
19(a)(1). Persons to be joined if feasible.
19(a)(2). Determination by court whenever joinder not feasible.
19(a)(3). Pleading reasons for nonjoinder.
19(a)(4). Exception of class actions.
19(b). Motor vehicle owner.
20(a). Permissive joinder of parties - Permissive joinder.
20(b). Separate trials.
21. Misjoinder and nonjoinder of parties.
22. Interpleader.
23(a). Prerequisites to a class action.
23(b). Class actions maintainable.
23(c). Determination by order whether class action to be maintained: notice: judgment: actions conducted partially as class actions.
23(d). Orders in conduct of actions.
23(e). Dismissal or compromise.
23(f). Derivative actions by shareholders.
23(g). Actions relating to unincorporated associations.
24(a). Intervention of right.
24(b). Permissive intervention.
24(c). Procedure from another court
25(a)(1). Substitution of parties - Death.
25(a)(2). Death of coparty - Effect.
25(b). Incompetency.
25(c). Transfer of interest.
25(d). Public officers - Death or separation from office.
25(e). Substitution at any stage.
26(a). Discovery methods.
26(b)(1). Scope of discovery in general.
26(b)(2). Insurance agreements.
26(b)(3). Trial preparation - Materials.
26(b)(4). Trial preparation - Experts.
26(b)(4)(B). Experts not expected as witnesses.
26(b)(4)(C). Fees of expert - Apportionment.
26(b)(5)(A). Privileged information withheld.
26(b)(5)(B). Privileged information produced.
26(c). Protective orders.
26(d). Sequence and timing of discovery.
26(e). Supplementation of responses.
26(f). Signing of discovery requests, responses, and objections.
27(a)(1). Depositions before action - Petition.
27(a)(2). Notice and service.
27(a)(3). Order and examination.
27(a)(4). Use of deposition.
27(b). Depositions pending appeal.
27(c). Perpetuation by action.
28(a). Persons before whom depositions may be taken - Within the United States.
28(b). Taking in foreign countries.
28(c). Members of the armed forces.
28(d). Disqualification for interest.
28(e)(1). Unsworn Foreign Declarations.
28(e)(2). Definitions.
28(e)(3). Applicability.
28(e)(4). Validity of unsworn declaration.
28(e)(5). Required medium.
28(e)(6). Form of unsworn declaration.
28(e)(7). Uniformity of application and construction.
28(e)(8). Relation to Electronic Signatures in Global and National Commerce Act.
29. Stipulations regarding discovery procedure.
30(a). Depositions upon oral examination - When depositions may be taken.
30(b)(1). Notice of examination.
30(b)(2). General requirements.
30(b)(3). Special notice.
30(b)(4). Audio-visual deposition.
30(b)(5). Production of documents and things.
30(b)(6). Deposition of organization.
30(b)(7). Depositions by conference telephone calls.
30(c). Examination and cross-examination - Record of examination - Oath - Objections.
30(d). Motion to terminate or limit examination.
30(e). Submission to witness - Changes - Signing.
30(f)(1). Certification by officer and non-filing - Exhibits.
30(f)(2). Copies.
30(f)(3). Notice of preparation of transcript and filing notice of mailing.
30(f)(4). Use of deposition.
30(f)(5). Exhibits to depositions.
30(g)(1). Failure to attend.
30(g)(2). Expenses.
31(a). Depositions upon written questions - Serving questions - Notice.
31(b). Officer to take responses and prepare record.
31(c). Notice of preparation of transcript and filing notice of mailing.
31(d). Orders for the protection of parties and deponents.
32(a). Use of depositions.
32(b). Objections to admissibility.
32(c). [Rescinded.]
32(d). Effect of errors and irregularities in depositions.
33(a). Interrogatories to parties - Availability - Procedures for use.
33(b). Scope - Use of interrogatories at trial or on motions.
33(c). Option to produce records.
34(a). Production of documents, electronically stored information, tangible things, and entry upon land for inspection and other purposes - Scope.
34(b). Procedure.
34(c). Persons not parties.
34(d). Notice of filing and notice of compliance.
35(a). Physical and mental examination of persons.
35(b). Report of examining physician.
36(a). Requests for admission.
36(b). Effect of admission.
36(c). Non-filing of requests for admission and responses thereto.
36(d). Use of admissions.
37(a). Sanctions for violation of orders - Motion for order compelling discovery.
37(b). Failure to comply with discovery order - Sanctions.
37(c). Expenses on failure to admit.
37(d). Failure of party to attend at own deposition or serve answers to interrogatories or respond to request for inspection.
37(e). General sanctions - Failure to comply with any order.
37(f). Expenses against state of Idaho.
38(a). Jury trial of right - Right preserved.
38(b). Demand.
38(c). Demand - Specification of issues.
38(d). Waiver.
39(a). Trial by jury or by the court - By jury.
39(b). Trial by the court.
39(c). Advisory jury and trial by consent.
40(b). Request for trial setting.
40(c). Dismissal of inactive cases.
40(d)(1). Disqualification without cause.
40(d)(2). Disqualification for cause.
40(d)(3). [Rescinded.]
40(d)(4). Voluntary disqualification.
40(d)(5). Disqualification and assignment of new judge.
40(e). Change of venue.
41(a)(1). Dismissal of actions - Voluntary dismissal - Effect thereof - By plaintiff - By stipulation.
41(a)(2). Dismissal by order of court.
41(b). Involuntary dismissal - Effect thereof.
41(c). Dismissal of counterclaim, cross-claim, or third-party claim.
41(d). Costs of previously dismissed action.
42(a). Consolidation of separate trials - Consolidation.
42(b). Separate trials.
43(a). Taking of testimony.
43(b)(1). Direct and cross-examination.
43(b)(2). Interpreters
43(b)(3)- (b)(4). [Rescinded.]
43(b)(3). Rules governing cross-examination. [Rescinded effective July 1, 1985.]
43(b)(4). Cross-examination of adverse party. [Rescinded effective July 1, 1985.]
43(b)(5). Reexamination and recalling of witnesses.
43(b)(6)- (b)(11). [Rescinded.]
43(b)(7). Impeachment of party's own witness. [Rescinded effective July 1, 1985.]
43(b)(8). Impeachment by showing inconsistent statements. [Rescinded effective July 1, 1985.]
43(b)(9). Evidence of good character. [Rescinded effective July 1, 1985.]
43(b)(10). Exclusion of trial witnesses. [Rescinded effective July 1, 1985.]
43(b)(11). Refreshment of memory. [Rescinded effective July 1, 1985.]
43(b)(12). Inspection of writings.
43(d). Affirmation in lieu of oath.
43(e). Evidence on motions.
43(f). View of premises, property or things.
44(a)- (c). [Rescinded.]
44(b). Proof of lack of record. [Rescinded effective July 1, 1985.]
44(c). Other proof of record. [Rescinded effective July 1, 1985.]
44(d). Judicial notice of facts and foreign law.
45(a). Subpoena - For attendance of witnesses - Issuance.
45(b). Subpoena for production or inspection of documents, electronically stored information or tangible things, or inspection of premises.
45(c). Form.
45(d). Protection against subpoena.
45(e)(1). Witness fees and expenses.
45(e)(2). Service of subpoena.
45(f)(1). Subpoena for taking depositions - Place of examination.
45(f)(2). Depositions - Attendance where required.
45(g). Subpoena for a hearing or trial.
45(h). Contempt for nonobedience of subpoena.
45(i). Interstate depositions and discovery.
45(i)(1). Statement of Purpose.
45(i)(2). Definitions.
45(i)(3). Issuance of subpoena for interstate depositions and discovery.
45(i)(4). Service of subpoena for interstate depositions and discovery.
45(i)(5). Deposition, production, inspection, witness fees, expenses, place of examination, attendance where required.
45(i)(6). Application to court.
45(i)(6)(A) Envisions an action to enforce the subpoena.
45(i)(7). Uniformity of application and construction.
45(i)(8). Application to pending action.
47(a). Selection of master jury list and master jury wheel.
47(b). Selection of jury panel.
47(c). [Rescinded.]
47(d). Juror questionnaires.
47(e). Roll call of jurors.
47(f). Oath to panel.
47(g). Selecting initial jury.
47(h). Challenges for cause.
47(i). Voir dire examination of jurors - Challenges - Struck jury.
47(j). Peremptory challenges - Number.
47(k). Exercise of peremptory challenges.
47(l). Additional jurors.
47(m). Oath of jurors.
47(n). Separation of jury - Admonition by court.
47(o). Notes by jurors.
47(p). Taking documents and exhibits to jury room.
47(q). Juror questioning of witnesses.
47(u). Declaration of mistrial-Sanctions.
48(a). Juries of less than twelve - Majority verdict.
48(b). Rendering verdict - Polling jury.
49(a). Special verdicts and interrogatories - Special verdicts.
49(b). General verdict accompanied by answer to interrogatories.
50(a). Motion for directed verdict - When made - Effect.
50(b). Motion for judgment notwithstanding the verdict.
50(c). Motion for judgment notwithstanding verdict - Conditional rulings on granted motions.
50(d). Denial of motion.
51(a)(1). Instructions to jury - Requests - Objections.
51(a)(2). Use of Idaho Jury Instructions (IDJI).
51(b). Rulings on objections - Final instructions and arguments.
52(a). Findings by the court - Effect.
52(b). Amendment of findings of court.
53(a)(1). Masters - Appointment and compensation.
53(a)(2). Disqualification of master.
53(a)(3). Motion and notice for disqualification.
53(b). Reference to a master.
53(c). Powers of master.
53(d)(1). Proceedings - Meetings.
53(d)(2). Witnesses.
53(d)(3). Statement of accounts.
53(e)(1). Master's report - Contents and filing.
53(e)(2). Master's findings in nonjury actions.
53(e)(3). Master's report in jury actions.
53(e)(4). Stipulation as to findings of master.
53(e)(5). Draft report of master.
54(a). Judgments - Definition - Form - Amendments.
54(b). Judgment upon multiple claims or involving multiple parties.
54(c). Demand for judgment.
54(d)(1). Costs - Items allowed.
54(d)(2). Multiple parties.
54(d)(3). Costs on postponement.
54(d)(4). Nonresident cost bond prohibited.
54(d)(5). Memorandum of costs.
54(d)(6). Objections to costs.
54(d)(7). Settlement of costs by order of court.
54(e)(1). Attorney fees.
54(e)(2). Findings.
54(e)(3). Amount of attorney fees.
54(e)(4). Pleading - Default judgments.
54(e)(5). Attorney fees as costs.
54(e)(6). Objection to attorney fees.
54(e)(7). Settlement of attorney fees by order of court - Determination not binding on attorney and client.
54(e)(8). Claims to which rule applies.
54(e)(9). Effective date.
55(a)(1). Default - Entry.
55(a)(2). Default proof - Time limitation.
55(a)(3). Actions at issue - Not default.
55(b)(1). Default judgment by the court or clerk.
55(b)(2). Default judgment by the court - Persons exempt from.
55(c). Setting aside default judgment.
55(d). Plaintiffs, counterclaimants, cross-claimants covered by default judgment rule.
55(e). Judgment against the state.
56(a). Summary judgment - For claimant.
56(b). Summary judgment - For defending party.
56(c). Motion for summary judgment and proceedings thereon.
56(d). Case not fully adjudicated on motion for summary judgment.
56(e). Form of affidavits - Further testimony - Defense required.
56(f). When affidavits are unavailable in summary judgment proceedings.
56(g). Affidavits in summary judgment proceedings made in bad faith.
58(a). Entry of judgment.
58(b). Satisfaction of judgment.
59(a). New trial - Amendment of judgment - Grounds.
59(b). Time for motion for new trial.
59(c). Form and time for serving affidavits on motion for new trial.
59(d). On initiative of court.
59(e). Motion to alter or amend a judgment.
59.1. Additurs or remittiturs in lieu of new trial.
60(a). Relief from judgment or order - Clerical mistakes.
60(b). Mistakes, inadvertence, excusable neglect, newly discovered evidence, fraud, grounds for relief from judgment on order.
61. Harmless error.
62(a). Stay of proceedings to enforce a judgment - Stay upon entry of judgment.
62(b). Stay on motion for new trial or for judgment.
62(c). Injunction - Writ of mandate pending appeal.
62(d). Stay upon appeal.
62(e). Stay in favor of the state, subdivision, or agency thereof - Waiver.
62(f). Powers of Supreme Court and district court not limited.
62(g). Stay of judgment upon multiple claims.
64. Seizure of person or property.
65(a). Injunctions - Preliminary injunction.
65(b). Temporary restraining order - Notice - Hearing - Duration.
65(c). Security given with injunction or restraining order.
65(d). Form and scope of injunction or restraining order.
65(e). Grounds for preliminary injunction.
65(f). Employer and employee actions exempt from rules as to injunctions or restraining orders.
66(a). Justification of sureties on bond.
66(b). Counsel not acceptable as surety.
70. Judgment for specific acts - Vesting title.
71. Process in behalf of and against persons not parties.
72(a). Uniform probate code - Guardians and conservators.
72(b)- 72(z). [Reserved.]
73. Receivers.
74(a). Mandate and prohibition.
74(b). Application for writ.
74(c). Opposing writ.
74(d). Trial - Judgment.
75. Contempt.
75(a). Definitions.
75(b). Summary proceedings.
75(c). Nonsummary proceedings - Commencement.
75(d). Nonsummary proceedings - Service - Time Limits.
75(e). Nonsummary proceedings - warrant of attachment and bail.
75(f). Nonsummary proceedings - initial appearance of respondent.
75(g). Nonsummary proceedings - plea.
75(h). Nonsummary Proceedings -- Defenses to the Contempt.
75(i). Nonsummary proceedings - trial.
75(j). Nonsummary proceedings - burden of proof.
75(k). Nonsummary proceedings – findings of fact.
75(l). Nonsummary proceedings - imposition of sanctions.
75(m). Nonsummary proceedings - attorney fees.
75(n). Other rules of civil procedure.
77(a). Court in continuous session - Terms abolished.
77(b). Trials and hearings.
77(c). Clerk's office and orders by clerk.
77(d). Notice of orders or judgments.
78. Motion day.
79(a)- 79(d). [Rescinded.]
79(e). Reclaiming exhibits, documents or property.
79(f). Other books and records of the clerk.
80. Stenographic report or transcript as evidence.
81(a). Small claims - Defaults.
81(b). Counterclaims prohibited.
81(c). Transfer to magistrates division - When permitted.
81(d). Appearance and witnesses at small claim proceeding.
81(e). Disqualification of magistrate in small claim proceeding.
81(f). Dismissal of inactive small claims.
81(g). Record not required.
81(h). Judgment on small claim.
81(i). Vacating, reconsidering, or correcting clerical errors of a judgment in a small claim.
81(j). Execution.
81(k). Who may appeal a small claim judgment.
81(l). Notice of appeal and appeal bond.
81(m). [Rescinded.]
81(n). Appeal of small claims judgment.
81(o). Procedure on appeal.
81(p). Costs on appeal.
81(q). Attorney fees on appeal.
82(a). Jurisdiction and venue unaffected.
82(b). Attorney magistrates.
82(c)(1). Jurisdiction of all magistrates.
82(c)(2). Assignment of additional cases to attorney magistrates.
82(c)(3). Objection to assignment to magistrates.
82(c)(4). Special assignment to attorney magistrates.
82(c)(5). Enlargement of dollar amount of cases assignable.
82(d). Costs - Jurisdictional amounts.
82(e). Counterclaims or cross-claims exceeding jurisdiction.
82(f), 82(g).[Rescinded.]
83(a). Appeals from decisions of magistrates.
83(b). Magistrate appeals - Judicial review.
83(d). Record of proceeding of magistrates division.
83(e). Filing appeal.
83(f). Notice of appeal - Contents.
83(g). Cross appeals.
83(h). [Rescinded.]
83(i). Stay during appeal - Powers of magistrate.
83(j). Method of appeal - Transcript of proceedings - Listening to recording tapes - Trial de novo.
83(k). Payment of fees - Preparation of transcript.
83(l). Form of transcript.
83(m). [Rescinded.]
83(n). Clerk's record.
83(o). Settlement of transcript.
83(p). Filing of transcript and record.
83(q). Augmentation of the record.
83(r). Joint use of transcript.
83(s). Effect of failure to comply with time limits.
83(t). Motions.
83(u). Appellate review.
83(v). Appellate briefs.
83(w). Appellate argument.
83(x). Other appellate rules.
83(y). Listening to or copying recording tapes.
83(z). [Judgment entered on appeal.]
84. Judicial Review of Agency Actions by the District Court. (see 84(a) - 84(t) below)
84(a). Judicial review of state agency and local government actions.
84(b). Filing petition for judicial review.
84(c). Cross-petitions for judicial review.
84(d). Petition for judicial review - Contents.
84(e). Method and scope of review.
84(f). Payment of fee - preparation of record.
84(g). Payment of fee - Preparation of transcript.
84(h). Joint use of transcripts.
84(i). Form of transcript.
84(j). Settlement of transcript and record.
84(k). Lodging of transcript and record.
84(l).Augmentation of record - Additional evidence presented to the district court - Remand to agency to take additional evidence.
84(m). Stay during consideration of petition for judicial review - Power of agency.
84(n). Effect of failure to comply with time limits.
84(o). Motions.
84(p). Briefs and memoranda.
84(q). Oral argument.
84(r). Other procedural rules.
84(s). Listening to, watching or copying recording tapes.
84(t). Finality of Judgments or Decisions and Remittiturs.
85. Small Lawsuit Resolution Act Procedures. (see 85(a) - 85(m) below)
85(a). Application of rule.
85(b). Computation of amount of claim.
85(c). Notice of initiation of Act.
85(d). Selection of Senior or Retired Judge by the Parties.
85(e). Appointment of Senior Judges as Evaluators.
85(f). List of Evaluators.
85(g). Registration of Private Civil Litigation Evaluators.
85(h). Compensation of evaluator.
85(i). Authority of evaluator.
85(j). Impartiality.
85(k). Sanctions.
85(l). Notice of request for trial de novo.
85(m). Statistical Information.
86. Effective date.
87. Title.
Chief Justice Jim Jones
Justice Daniel T. Eismann
Justice Roger S. Burdick
Justice Warren E. Jones
Justice Joel D. Horton
Chief Judge John M. Melanson
Judge Sergio A. Gutierrez
Judge David W. Gratton
Judge Molly J. Huskey
Promoting Openness In The Courts
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Fresno State: Versatile offensive lineman who can play either center or guard ? very strong player who provides experience to the offensive front ? enters fall camp No. 1 on the depth chart at center. (2000) Started eight games at three different positions ? left guard, right guard and center ? five of his starts came at right guard, where he received most of his playing time. (1999) Started 12 games, the last 10 at right guard ? entered the season as a projected backup but was thrown into the starting lineup due to injuries and responded well ? started two games (Oregon State and UCLA) at center ? had a solid season and was part of the group that set a school record, allowing just 13 quarterback sacks. (1998) Started five games at center as a redshirt freshman as injuries took their toll on the offensive line. (1997) Redshirted.
High School: A 1997 graduate of Papillion-LaVista (Papillion, Neb.) High ... consensus all-state selection as a senior in 1996 ... was a two-way starter who played both right guard and defensive tackle ... also handled the team's long-snapping duties ... a team captain who earned all-district and All-Metro honors and was the Metro Conference Lineman of the Year ... played on an undefeated (13-0) state championship team in the large schools division in 1996 ... was a two-year starter ... in 1995, LaVista went 11-2 and finished second in the state playoffs.
Personal: Born March 21, 1979, in Chattanooga, Tenn. ... son of Willard Stovall and Pauline Daniel ... has two brothers and two sisters ... his mother is a civilian employee in the Air Force ? nickname is "Stump."
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CAREER: Made 20 career starts in 22 games, accumulating 427 carries for 2,258 rushing yards in his career with 28 rushing TDs…ranks 8th on USF career rushing chart…Finished with a career 427 carries for 2,258 rushing yards ranking 8th on the USF's career rushing chart… averaged 5.3 carries per game and had a career total 31 touchdowns including18 rushing and three receiving…recorded a career 44 catches for 380 receiving yards, averaging 8.6 yards per game…rushed for 80 yards in 17 of 22 career games…was the fourth player in school history with back-to-back 1,000 yard seasons…named to second team offense on All-NSIC squad in 2014…recorded 12, 100 yard rushing games in career…has 2 of the top single season rushing totals all time with his 1,168 yards in 2014 sitting and 1,068 yards in 2013 ranking 16th.
2014 (SENIOR): Started in all twelve games…ranked 2nd in NSIC and 11th nationally with 18 rushing TDs…ranked fifth in NSIC and 29th nationally with 99.2 rushing yards per game…ranked first on the team, fifth in the NSIC and 29th nationally on 227 carries for 1,190 yards on the season…averaged 5.2 yards per carry… logged five games rushing over 100 yards …had 259 receiving yards averaging 8.9 yards per catch…was sixth in the league with 124.3 all-purpose yards per game…had two games with three TDs games including 25 carries for 134 yards along with a 64 yard scoring run to help the team to a 52-19 victory over Bemidji State (9/13/14), and a career best 225 yards (21 carries) that helped the Cougars to a 63-28 victory over Wayne State (11/15/13)…recorded 22 carries for 89 yards and two TDs to help the Cougars to a 41-14 victory over Minot State (9/6/14)…finished with 20 TDs including 18 rushing and two receiving, ranking third in the NSIC in scoring…accumulated 121 yards on 30 carries and two touchdowns with a victory over St. Cloud State (9/19/14)…helped the Cougars to a win over Southwest Minnesota State (10/18/14) with 24 carries for 146 yards and a touchdown rushing and receiving…had 97 yards on 24 carries with a 45 yard TD run to help the Cougars to a 23-12 victory over Augustana (10/11/14)….posted a 17 yard TD reception with 14 carries for 75 yards vs. Concordia (10/4/14)…received second team NSIC honors
2013 (JUNIOR): Exploded on the scene in his first season in the Purple & Black...ranked fourth in the NSIC and 43rd nationally with a 106.8-yard rushing average, carrying 200 times for 1,068 yards with 10 TDs... seventh in the league and 61st nationally with 126.3 all-purpose yards per game…also caught 15 passes for 121 yards and a TD…ranked first on the team in rushing yards and carries while ranking third in scoring (66) and total offense…played in nine games, starting eight…missed the last two games of the season due to a family tragedy…logged seven straight 100-yard games from Sept. 14-Oct. 26…recorded the first 100-yard game of his career in his second career start in the home opener against Northern State…finished with 159 yards rushing and his first TD as a Cougar…had a 38-yard run in that contest…rushed for 111 yards at U-Mary…set a career high with 167 rushing yards (196 all-purpose), including a 19-yard scamper into the endzone in the Cougars' rout of Minnesota Crookston…carried 28 times for 146 yards and back-to-back touchdowns (5 yards & 8 yards) at Southwest Minnesota State…rushed for 122 yards on 24 attempts and caught one pass for five yards in a loss to Winona State…posted his first three-TD outing in USF's convincing 47-7 win at Concordia-St. Paul, where he rushed for 104 yards and two scores and added a 19-yard touchdown reception…had a career day versus rival Augustana…set career highs with 198 all-purpose yards and three rushing touchdowns against the Vikings, accounting for the Cougars' final 21 points in a 27-10 First Dakota National Bank Mayor's Cup win over Augie…limited to 80 yards on 25 carries but went over the 1,000-yard rushing mark in a loss at Upper Iowa…did not play against No. 1 Minnesota State or Wayne State because of a death in the family…was named the team's Most Valuable Offensive Player and also received the Most Inspirational Player Award.
2011-2012 (FRESHMAN & SOPHOMORE): played two seasons at College of the Desert...picked up 7.3 yards per carry to lead the Roadrunners with 597 rushing yards and 7 TDs in only six games played in 2012-13...also charted 70 receiving yards last season...scoring total of 48 points was second only to the Roadrunner's kicker...rushing total ranked fourth in the Central Conference...averaged 20.8 yards per kick return and 16 per punt return...accounted for team's lone punt returned for a score last season...rushed for 249 yards and 6 TDs as a freshman, when he was also the squad's top kick and punt returner...also served as punter on occasion...in two seasons recorded average of 31 yards on 10 punt returns...career-long punt return was 54 yards.
PERSONAL: Son of Peter Garcia...born Sept. 3, 1993.
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Campus Center 243
If you have experienced sexual violence of any kind, your safety and medical needs are of primary concern. We encourage all members of our community to report all incidents of sexual violence and encourage victims to seek support and care.
Off-Campus Reporting
St. Paul Police Department
Emergency: 911
Non-emergency: 651-291-1111
SOS Sexual Violence Services of Ramsey County
24-hour confidential crisis hotline: 651-266-1000
Minneapolis Police Department:
Emergency: 911
Non-emergency 612-348-3245
On-Campus Reporting
Karla Benson Rutten, Title IX Coordinator and Director of Equity
651-696-6258, email@example.com
Jim Hoppe, Dean of Students
Lisa Landreman, Associate Dean of Students
Campus Security
Medical Attention
Regions Hospital
640 Jackson Street
St. Paul, MN 55101
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Download Up movie trailer video
Download Up movie trailer video on savevid.com
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Up movie trailer
- Rate: Please rate this video Views: 0 Downloads: 0
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ZF-6381: Second param to Zend_Registry::get() for default value
Add an optional second parameter to Zend_Registry::get()
In the case of if (!$instance->offsetExists($index)) instead of always throwing an exception, look to see if the second param is not null and return that value. If it's null, then go ahead and throw the exception.
This greatly improves the usability of this method as I won't have to always put it in a try/catch block when there is an acceptable default.
I see a small problem here: How would you differentiate between "my default value is {{NULL}}" and "please throw an exception if key is not found"? Most likely that would require a third argument to {{Zend_Registry::get()}} - such as {{$throwOnNotFound}} or something like that.
Option 1) (the assumed option requested by this issue) The user just doesn't get to use NULL, that's the price you pay for wanting a throw exception feature.
This is very easily worked around by passing a blank string or a 0 and using that response.
Option 2) Don't have the default be NULL, have it be something unusual like 'throw_exception' Then you can compare to that fixed string and know if an exception should be thrown.
Option 3) Don't define a second parameter and use func_get_arg(1) This president has already been set with the isValid() method in Zend_Validate_Abstract/Zend_Validate_Interface but is difficult to document.
Reassigned to component maintainer


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The newly approved state budget included nearly $100,000 in funding for the Hippodrome State Theater. The money is part of a cultural facilities funding grant that has specific instructions on how it can be used. Hippodrome Producing Director Mary Hausch says they will be using the funding for a variety of projects, including one to help the hearing impaired.
She says the main inspiration for keeping the Hippodrome State Theater so well maintained is the building itself.
Hausch says the upkeep is vital for the theater's growth.
This particular grant has not been funded in the state budget since 2007. Last year the building celebrated it's 100th birthday.


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Drastic changes in working scenario have resulted in changes in movie theaters resulting in birth of multiplex with multiple screens normally three or more. These multiplex are found in specially designed malls or buildings.
AGS cinemas is a sister concern of AGS entertainment Pvt. Ltd. AGS Enterainment Pvt. Ltd. is a film production and distribution company with feature films like Yudham Sei, Madraspattinam, Thiruttu and many more under its banner. After being successful in production and distribution the company AGS moved toward in providing quality environment and operations of AGS Cinema Pvt. Ltd by starting multiplexes. AGS entertainment's movie Santosh Subramaniam was recognized as the best thamizh movie by the Tamil Nadu State government
The company as two multiplexes in Chennai and it is becoming famous among the residence of Chennai. One of the AGS cinemas theatre multiplex unit is at Villivakkam has 5 screens and the multiplex at Navallur on OMR road has 4 screens. The seating capacity of both the multiplexes is over 3000 seats and both of them are equipped with latest technologies of art like 3D screens, dolb/digital surround sound, 2k resolution picture quality. The seats are comfortable and there are kids zone where children can enjoy their time. AGS cinemas theater are planning to expand their multiplex units in Kovai, Tanjore, Trichy, Kanchipuram and Pudhucheery.
As the technology is dynamic, advanced and changing day by day, AGS Cinemas is also moving ahead to access latest technology to meet the international film requirement. AGS cinemas are doing their best to create an experience for its audiences.
According to Ms. Archana Kalpathi, CEO of AGS Cinemas Pvt. Ltd., "AGS is not only a business organization but also to produce structured films and reach the masses. The aim of AGS Enterainment Pvt. Ltd. is to expand multiplex division so as to provide a happy experience to all their customers and viewers.
AGS Cinemas Can Be Contacted At The Following Address:
AGS Royal,No. 1/1, Mettu Street,Villivakkam, Chennai-600049
OMR, Coromandel Plaza,87/1A, 5th Floor, Navalur,Chennai-603103


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The Joy Factory, Inc. warrants to the original purchaser on our products against defects in materials and workmanship for the period of one (1) year unless specified. The warranty period commences on the date of purchase from the authorized reseller/retailer or directly from The Joy Factory, Inc. website. Your dated invoice is the proof of purchase and it is required for warranty service. The Joy Factory, Inc. at its discretion will repair or replace any part that The Joy Factory determines to be defective.
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Skip to comments.Bush (Iraq War) Vs. Obama (Obamacare): Who 'Lied'?
Posted on 11/07/2013 6:21:01 AM PST by Kaslin
When the weapons hunters failed to find stockpiles of weapons of mass destruction in Iraq, so began one of the greatest slanders on a president in history: "Bush lied, people died."
Never mind that, in building the case for war in Iraq, President George W. Bush relied on the unanimous opinion of all 16 U.S. intelligence agencies.
Never mind that the bipartisan Robb-Silberman commission examined the intelligence on which Bush relied, and unanimously found that "the Intelligence Community did not make or change any analytic judgments in response to political pressure. ... We conclude that it was the paucity of intelligence and poor analytical tradecraft, rather than political pressure, that produced the inaccurate pre-war intelligence assessments."
Never mind that Bush retained the same CIA director, George Tenet, who served under Bill Clinton. Tenet gave Bush the same intelligence assessment: that Saddam Hussein, the dictator of Iraq, possessed WMD is a "slam dunk." Indeed, according to The Washington Post's Bob Woodward, Bush was initially skeptical of the intelligence that reached that conclusion. When, on December 21, 2002, Tenet laid out the intelligence purportedly showing the existence of WMD stockpiles, Bush said, "This is the best we've got?"
Never mind that former secretary of State Hillary Clinton, then a New York senator, was particularly adamant about the threat posed by Saddam: "In the four years since the inspectors left, intelligence reports show that Saddam Hussein has worked to rebuild his chemical- and biological-weapons stock, his missile-delivery capability and his nuclear program. ... If left unchecked, Saddam Hussein will continue to increase his capacity to wage biological and chemical warfare, and will keep trying to develop nuclear weapons."
Finally, never mind about then-President Bill Clinton's Persian Gulf expert on the National Security Council, Kenneth Pollack. While he opposed the war's timing, Pollack said "no one doubted" Saddam's stockpiles of WMD: "The intelligence community convinced me and the rest of the Clinton Administration that Saddam had reconstituted his WMD programs following the withdrawal of the U.N. inspectors, in 1998, and was only a matter of years away from having a nuclear weapon. ... Other nations' intelligence services were similarly aligned with U.S. views. ... Germany ... Israel, Russia, Britain, China and even France held positions similar to that of the United States. ... In sum, no one doubted that Iraq had weapons of mass destruction."
"Bush lied, people died" -- or some version of it -- was uttered at the highest levels in the opposition party. Senate Majority Leader Harry Reid, D-Nev., called W. a "loser" and a "liar." He later apologized -- for the "loser" part. Liar stands. The so-called Lion of the Senate, Ted Kennedy, bellowed, "Before the war, week after week after week after week, we were told lie after lie after lie after lie."
If Bush is a "liar," having relied in good faith on the unanimous opinion of the U.S. intelligence agencies, what do you call President Barack Obama? In building the case for Obamacare, Obama promised: "No matter how we reform health care, we will keep this promise to the American people: If you like your doctor, you will be able to keep your doctor. Period. If you like your health care plan, you will be able to keep your health care plan. Period. No one will take it away. No matter what."
Did Obama "lie"?
Obama's health care team, according to NBC News, knew that more than half of the people who buy their plans on the individual market would lose their plan: "Millions of Americans are getting or are about to get cancellation letters for their health insurance under Obamacare, say experts, and the Obama administration has known that for at least three years."
NBC News' sources estimated that 50 to 80 percent of Americans who buy individual insurance will find their policies cancelled, because those existing policies don't meet Obamacare standards. And for many of those -- now forced to buy new policies -- the price tag will give them "sticker shock."
The Affordable Care Act stated that an insurance policy in effect before March 23, 2010, was to be grandfathered in -- provided insurance companies have made no "significant change" to the plan. But if the plan, say, had a change to the deductible, co-pay or benefits, the plan was no longer eligible to be grandfathered, and the policyholder would have to purchase a new plan.
Obamacare's July 2010 regulations included an estimate that "40 to 67 percent" of customers wouldn't be able to keep their policy because of normal annual turnover in the individual insurance market. And, because many policies will have been changed since the March 23, 2010, date, "the percentage of individual market policies losing grandfather status in a given year exceeds the 40 to 67 percent range." Yet Obama continued to tell Americans that no one would lose their plan or doctor, a promise without which Obamacare would never have passed.
For his part, Obama now says: "What we said was, you can keep it if it hasn't changed since the law passed." A lie is an untruth told with intent to deceive.
Bush didn't "lie."
Saddam Hussein was in violation of the agreements that followed the 1991 Gulf War.
What did Momar Gaddafi do to the United States that warranted us toppling him and cheering his torture, abuse, and murder? "WE came! WE saw! HE DIED!!!" - Sec. of State Hillary Clinton
Obamcare is definitely Obama's Iraq.
Obamcare would never had passed if Obama told us we would lose our insurance then have to buy more expensive policies.
He wouldnt have been reelected.
Congress never would have voted for Iraq if Bush told us that he wouldnt find any WMDs, and how much it would cost in lives and $$$, and that he would wait till late 2006 to demand a surge (~ 4 years after invasion) funding from a new Democrat controled House(Pelosi) , and that we would end up walking away from Iraq anyway,
Lies by omission are still lies.
Both 41 and 43 were very good at putting together coalitions. They knew how to fight a war. What to do after the war, not so much. The big mistake was trusting these Intelligence agencies. The ones that missed the Boston bomber even after the Russians warned them twice.
George Bush had every Leftist media outlet helping the Democrats stir up hatred against him. Today, every one of those Leftist media mouthpieces is busy 24/7 covering Obama's butt, as scandal after scandal comes to light. That is the difference.
"If you like your plan, you can keep your plan!"
The difference is what, exactly?
Gotta love selective fact reporting... Bush withheld action in Iraq for over 6 months while the UN screwed around which gave saddam time to shuffle his weapons off to syria, now the UN has finally found them. George did ok....
When you are not permitted to declare "victory" in a war, and have no say in the subsequent rebuilding effort (including the form of government that is established), you can never WIN that war.
Baraq Hussein Ubama declared MISSION ACCOMPLISHED at the United Nations with regards to the so-called Arab (Islamist) Spring. How's that working out?
He said that no American lives were lost in the toppling of Momar Gaddafi. O'RLY??? Al Qaeda's on the run. O'RLY??? Nations respect us more (especially after the saber rattling at Syria). O'RLY???
Given the weapons recently "found" in Syria, IMO President Bush did NOT lie. The MSM conveniently covered the truth.
OTOH Obamacare has been a baldfaced, Marxist/Fascist, LIE for the purposes of controlled the lives of Americans and stealing their money which was PUSHED by the MSM.
There IS a (D)ifference if you look hard enough.
Obama used a Lie to deconstruct 1/7th of this nation so he could remake it into a socialist country. He willfully committed this LIE with intent to remake this country.
Anything that GWB said that did not come true was never said in an attempt to intentionally manipulate this country in any way to change it forever.
Obama has made the greatest LIE known in the history of our Republic because of 2 things; 1 - it was intentional, 2 - its impact is so incredibly vast that it will cause a change to our American way of life.
Its ends justifying the means right our of any playbook by Marx or Lenin.
But the world respects us again under Obama, they gave him thar Peace prize. The world has been at peace since early 2009.
For the life of me, I cannot understand why Bush did not fire George Tenent.
Add Norman Minetta to that also (after 9/11).
WMDs and Bush Lied.......This is 'old' news... "a BJ doesn't rise to the level of an 'impeachable offense'"......."we've been over and over and over this already", "let's move on with the business of the American people", and "what difference does it make at this point?"
What we have now is the 'current' business of the American People, and they are being lied to. They are being fleeced, they are being raped, and they are being herded into figurative Obamacare cattlecars. That is what is 'current.'
"If you like your plan, you can keep your plan!"
The difference is what, exactly?
Well, there is one. In Bush's case, he was REALLY saying "Know New Taxes"... so, he was telling the truth! (Although, it's possible he was referring to there being NO Gnu taxes).
I fail to see how 0' was using Clintonspeak in his point about keeping your plan (? unless he was referring to ewe's keeping their plans, but I digress...).
Progressives are all tyrants at heart. It is the nature of their philosophy.
You don't see the tyranny clearly until they acquire the means...
That was a funny skit too!
They both lied. Thanks for asking.
Think Obama's words will get vindicated in time?
The difference is what, exactly?
The difference is Bush kept the promise twice and then on the third time he gave in and signed the third tax increase that the democrat congress sent him (after kicking back the first two).
That arrogant, lazy, lying pos of the Spite House was not forced by anyone to change his mind. It was he and the rats who forced the unaffordable healthcare down our throats. Also remember the comment of Piglosi. "We must pass the healthcare so we know what's in it.
Excellent point
You said it
So don't come with that typical liberal lame excuse that they both lied. Which is the same lame excuse the rats use when they say "everyone does it"
Nice spin here is what H W said
"My opponent won't rule out raising taxes. But I will. And the Congress will push me to raise taxes and I'll say no. And they'll push, and I'll say no, and they'll push again, and I'll say, to them, Read my lips: no new taxes."
It's not a big leap to trust the agencies on Iraq's possession of chemical and other proscribed weapons when Iraq had a history of using chemical weapons, declared stocks, were definitively caught hiding further stocks on a roughly annual basis which were tagged, inventoried, sampled, and in large amounts turned over for destruction. The only question was what happened to the stocks which weren't turned over for destruction and were declared 'lost or destroyed' by Iraq itself...in an environment where they were not only not allowing coherent inspections, but in some cases deconstructing and removing entire suspected compounds and the buildings in them.
What kind of idiot assumes they were then complying and did indeed *secretly* destroy the materials they were under under violation of ceasefire supposed to have turned over?
" and that he would wait till late 2006 to demand a surge (~ 4 years after invasion)"
You act like that was an example of incompetence for a President not to do so, when the surge was against the advice of his military advisors and generals. He turned out to be right.
""Read my lips, no new taxes!"
"If you like your plan, you can keep your plan!"
The difference is what, exactly?
Well, for starters, GHWBush didn't propose the tax increases, but only acceded to them later under a Dem threat (they controlled both houses of Congress at the time), to cut funding for troops in the field in Desert Shield. He also extracted limits to budget growth, which caused Dem conniptions for years.
Obama on the other hand was being false from the beginning, with solid plans to get private plans cancelled.
Generals ????, he was the CinC. It was him who sent his administration out to sell the invasion, so it was his job to make it work.
You posted like Obama talks, that Bush waltzed in late 2006 as a trouble shooter from the outside.
Obama has lots of excuses too:Its all the GOPs fault the website doesnt work
Its all the insurance companies fault that policies are canceled.
Each party (loyalists) LOVES their own excuses and scoffs at the others.
Obamacare is Obama
Bush was warned :"If you break it then you will own it"
Hitler always blamed his generals for his mistakes.
its weak.
You're blaming Bush for being successful.
The difference is that I remember last Thursday.
At what?
All those lost and ruined lives and our $$$ wasted and Iraq is a mess regardless. We didnt even get a land base out of it.
I never want another 'success' like that disaster again.
"Generals ????, he was the CinC."
Perhaps you don't understand what the President's job is there. It is usually a bad thing when the President gets involved in tactics....as you note with Hitler, while clearly not understanding what you are saying.
RE :Youre blaming Bush for being successful.
At what?
You know...the subject of this line of conversation: the surge.
You just claimed that him doing it was good, now you say its bad.
Tactics??? the country went into a civil war thanks to him. It was a disaster
He was warned :"If you break it then you will own it"
Obama acts like everyday was his first day as POTUS too
"I will clean up this mess, I dont know how it got like this as I wasnt paying attention, but now I will fix it"
Hypocrisy doesn't work for me.
I guess Obama bringing in those tech wizards to the website is his 'surge'.
Obama has no idea how it got so f...ed up, he is like Bush, "I am here now to save the day'
When Obamacare went bad Obama claimed it all was a GOP conservative idea that he implemented.
But when Iraq went bad and no WMDs found then Bush Republicans claimed that Iraq invasion was really a Democrat idea, all those Democrats told Bush Iraq has those WMDs and must be stopped now. Look at those 2002 speeches on floor.
Perfect analogy.
He lied all right. My conscience gives me no trouble at all in asserting that. It was always clear to any judicious observer that we were railroaded into that war.
BTW, nothing's more lame than smearing people as liberal just because you disagree.
"You just claimed that him doing it was good, now you say its bad."
Now you're hitting willfully obtuse.
It is usually a bad thing...and thus not something to be regularly done. It turned out well, and thus ended up being a good thing despite the general history of such things.
"But when Iraq went bad and no WMDs found then Bush Republicans claimed that Iraq invasion was really a Democrat idea, all those Democrats told Bush Iraq has those WMDs and must be stopped now. Look at those 2002 speeches on floor."
Except that's not the argument that was being made. The argument was that Bush couldn't have made it up because the information was there before he was even President, and further, was so blatantly obvious that even the Dems were advocating it. The act of bringing it up again was to address the Dems who were then beginning to claim they had no idea until 'Bush misled them'. It was pointing out that the Dems had been fully involved in voting to change the Iraq government (Oct 31, 1998) long before Bush even began running for President and could not reasonably claim Bush thrust it upon them unaware - as they were doing. They were also fully aware that Iraq did indeed have WMDs, which they began pretending never existed...despite later condemning him for not having the military sufficiently secure materials when it suited them to alter history again in 2006.
That is not remotely like, and functionally the opposite of blaming Republicans for a bill none of them voted for, and for which the Dems had no need to and did not compromise their plans for, and for which they funded and implemented without any Republican input.
When a Republican misspeaks, he lies; when a Democrat lies, he misspeaks.
Nailing you on the similarities between GOP and Dem excuses inspired this:
Obama's and Democrat's best excuses for Obamacare Problems (please add your favorites)
The author fails to mention that both Clintons, Kerry, Kennedy and all Democrat leaders were saying in the 90's that Saddam had WMD's.
Bush in no way, shape or form lied yet he was slandered perhaps more than any politician in a century.
I've seen this being written about more lately; I hope this is the time when Bush starts to be vindicated.
The only winner of the Iraq war was Iran.
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Director Spike Lee's remake of the Korean thriller "Oldboy" by Park Chan -Wook is an intense, savage attempt with a Hitchcockian edge to it, but the violence fires way over the top.
Joe Doucett (Josh Brolin) is not a nice guy; he is a drunken advertising agent and slime ball that is not above hitting on the wife of a huge potential client's wife. After he blows his account while getting soused at dinner, he heads out on one of his patented benders and passes out on the street. When Joe wakes up, he finds himself locked up in a jail cell that is made over to look like some kind of cheesy hotel room. Lousy food and cheap vodka are sent to Joe everyday day as he wallows in his misery, while watching a television feed which informs him that his estranged wife has been brutally murdered. Not only has his ex been murdered, but Joe, who is considered missing, is the main suspect in the attack. The television feed goes on to report that Joe's 3-year old daughter had survived the attack. Joe Doucett doesn't know at the time, but he will remain in captivity for 20 years. The question is, why?
During Joe's stay in purgatory he becomes determined to straighten up and escape, so that he can find his daughter and confess his sins of the past. He writes her letters with the hope that some day he can deliver his messages, and this seems to give him purpose in his life. When all seems lost, Joe suddenly wakes up from a deep sleep and finds himself in a box in the middle of a desolate field. He emerges like some kind of Crusoe-esque jack-in-the box, with revenge on his mind and the game is afoot.
While Joe is hunting down his captors he meets a drug clinic worker (Elizabeth Olsen), who seems to have issues of her own, and the two join forces in the search to find out the identities of those responsible for the incarceration. What follow are some super violent sequences of Joe doing his best "Kill Bill" imitation during showdowns with the bad guys (one scene involves a hammer attack). For some unknown reason, Joe has transformed himself into some type of Bruce Lee killing machine while in captivity (perhaps Joe learned this stuff while watching television in the hotel).
Samuel Jackson does a brief stint as one of the captors, and Sharlito Copley (District 9) is the man at the top; but the question remains ─ Why? If you can handle a lot of bloodshed see it, if not, save your money.
My Rating: 3 of 5 Hammer Attacks.


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Laura Richardson (D-CA)
Laura Richardson former Congresswoman California District 37
House links: See bottom of page
Campaign links: See bottom of page
Laura Richardson 2012 Congressional Candidate California District 44. Laura Richardson is the incumbent in the 2002 -2010 California District 37 and running for reelection in the 2012 – 2020 California District 44. She lost the November election to Janice Hahn.
Biography of Laura Richardson from House.gov
As noted in Los Angeles Sentinel newspaper, Laura Richardson's "meteoric rise" has been nothing short of amazing.
At the age of six, while living through the civil rights movement, Laura Richardson decided on a career in public service. Ms. Richardson began her track record of hard work getting her first job at the age of 12 and later participated in the Olympic trials at the age of 17. She graduated from UCLA with a degree in Political Science, received an MBA from USC, and went on to spend fourteen years working in corporate America at the Xerox Corporation.
In 2006, after serving six years as a Long Beach City Councilwoman, Laura Richardson won a seat in the California Assembly in the 55th District and served as Assistant Pro Tempore. She was recognized as the first African-American woman, South Bay representative, and freshman to hold this prestigious position. In the nine short months she spent in the California Legislature, she succeeded in passing three bills and was vital in the Legislature's ability to expand access to healthcare, enhance public education, and ensure the safety of neighborhoods.
In 2007, Richardson prevailed over a field of 16 candidates in a special election and was elected to her first term in the House of Representatives to represent California's culturally and economically diverse 37th Congressional District. In winning this election, Congresswoman Richardson became the first person in United States history to serve at the local, state, and federal level in the span of less than one year.
Congresswoman Richardson currently serves on both the House Committee on Transportation & Infrastructure and Committee on Homeland Security. She serves as the ranking member on the Subcommittee on Emergency Communications, Preparedness, and Response and sits on four subcommittees on the Transportation and Infrastructure Committee. Congresswoman Richardson focuses her efforts on improving the movement of goods, enhancing the nation's homeland security, expanding access to health care services, and investing in the nation's infrastructure. Minority Leader Pelosi has referred to Representative Richardson as bright, energetic, intelligent, and an asset to the committee chairs, caucuses and her constituents.
Representative Laura Richardson is the 26th African-American female and the 239th female to serve in the U.S. Congress.
Do you know where you still on the political spectrum? See "Political Beliefs, Where Are You" to find out where you stand.
Past Campaign/Office Links:
2012 House links: Laura Richardson (D-CA-37)i
2012 Campaign links: Laura Richardson (D-CA-44)i


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I love quilting, somewhat of a beginner with a few projects under my belt. Love our dogs, a greyhound & rat terrier, & have been with my partner for 20 yrs. I also love to read and attempt to play classical piano. I actually love to practice!
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"People who don't live in New York City need to understand that shopping here is a lot like foraging for dinner in the woods, except instead of getting eaten by a bear you risk getting hit by a cab." – Kim Severson
Passover is a holiday intrinsically connected to food. In addition to eliminating all leavening from our diets, we add in some seemingly strange things. Gefilte fish, chopped liver, gel shaped like citrus fruit – these are all items that appear on shelves in early April for our consumption during this week. (In thinking about it this week, I really can't figure out why I'm terrified of the fish balls that come in some ramen and yet eat gefilte fish without a second thought. They are, conceptually, equally gross.)
Shopping for these things, though, brings me much grief each year. This year, after returning from the seder I attended out of town, I went to the Fairway on 74th Street in order to stock up on some Passover essentials. I'm not sure what it is about this week, but it elicits this extreme feeling that my entire diet must change and that I can't eat normal food. (Let's forget, for a minute, that the majority of my diet is, in fact, Passover-friendly.) Somehow, when Passover shopping, you stand in the middle of a grocery store with the distinct feeling that the world is out to get you and that if you don't purchase that cannister of toffee crunch macaroons, everything is going to fall apart. And if that grandma gets there first? Well, a) that is not going to happen and b) I WILL CUT HER if she gets the last box of Streit's.
I don't need a cannister of toffee crunch macaroons, nor do I need fruit gel slices, unimaginable amounts of gefilte fish, or kosher for Passover ("K for P") farfel stuffing. And yet, I am moved to purchase these things either out of complete sensory deprivation or an unnecessary desire to act more religious than I actually am. Never mind the fact that it's pretty likely that I could easily concoct a K for P meal out of what's already in my kitchen (in fact, I just did it right now – quinoa cooked in chicken broth, chicken, dried cranberries, chopped scallions, WHAT UP) or that any number of normal people live a gluten-free life every day. For me, and for this week, all reason goes out the window, and it seems like a good idea to buy ground-up matzah in a jar.
Is there another food that goes from awesome to terrible so quickly than matzah brei? I say no.


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Ramona Singer is doing all she can to keep her husband Mario Singer by her side. As reported by All About The Real Housewives on Tuesday, June 3, the "Real Housewives of New York City" star had her legal team send Mario's mistress, Kasey Dexter, a cease and desist letter demanding that she stay away from Mario.
Not only does the letter demand that Kasey physically stay away from Mario, she also can't communicate with him, whether by phone or email. Neither can she contact Ramona. The letter states that Kasey is not to contact Mario and Ramona "in any manner, fashion, or form… in person, telephonically, electronically, by mail or by any other means."
It seems that Ramona decided that she just had it with Kasey after Kasey sent her a letter providing sordid details of her affair with Mario. Kasey wrote that every time she wanted to leave Mario, Mario would remind of her their good sex. She also revealed that he paid for her apartment and even took her out to dinner the night Ramona filed for divorce. Kasey ended the letter by saying that she loves Mario but that she won't stick around unless Ramona is completely out of the picture.
Clearly, the letter didn't have the effect that Kasey hoped that it would. Not only has Ramona not left Mario, the two seem to be doing all they can to get their relationship back on track. Ramona has posted photos on her Twitter account that shows that she and Mario are definitely together. One photo, posted on Wednesday, June 4, show her and Mario walking down the street holding hands.
It was only in late January that Ramona called the cops on Mario after finding him with Kasey at their Southampton home. She even claimed that Mario choked her. Whatever Mario Singer did to get back with Ramona Singer after having such a lengthy affair with Kasey Dexter, which was carefully kept hidden from "The Real Housewives of New York City" cameras, certainly worked!
Suggested Links
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- Aviva Drescher jokes that Lea Michele is Carole Radziwill's ghostwriter
- Andy Cohen supports Ramona Singer in Kristen Taekman 'RHONY' lip incident
- Kelly Bensimon previews her return to 'RHONY'
- LuAnn de Lesseps blames this for low 'RHONY' ratings


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The Staples Center in Los Angeles came alive in early October when Korean superstar Yu-Na Kim brought her rock show on ice to the U.S. for the first time.
From the opening number, "Get the Party Started," to the rocking finalé the show sizzled. Spectacular graphics on a giant screen at the end of the arena, pyrotechnics and a lighting production that rivaled a rock concert put this world-class event in a league of its own.
It was a moment in time. Kim and American skating icon Michelle Kwan performing on the same ice on U.S. soil.
It was the first time in four years Kwan had skated before a home crowd and the very first time Kim had ever performed on U.S. ice outside of competition.
Artistic director David Wilson wove his magic with the all-star cast that boasted a combined total of 10 Olympic medals and 14 World titles.
Kim and Kwan were joined by Stéphane Lambiel, Xue Shen and Hongbo Zhao, Tessa Virtue and Scott Moir, Johnny Weir, Tanith Belbin and Ben Agosto, Aliona Savchenko and Robin Szolkowy, Patrick Chan and Ashley Wagner.
Guest stars included the B-Boys and Korean singing sensation Younha, who performed the theme song of the show, Aerosmith's "Dream On."
Breaking with tradition, fans with VIP tickets were permitted to attend the final dress rehearsal. "Normally no one attends dress rehearsals, so that was very cool," said Wilson, who was joined by Kim and Kwan for a light-hearted question and answer session with those in attendance.
The show aired nationally on SBS television in Korea on Oct. 3 and a week later premiered on NBC in North America.
Kwan laughed as she spoke about her strong connection to the Staples Center. "For the last four years I have been going to the Lakers games, concerts, the Grammys – every time I have been there it was for something other than skating. It was always for someone else's show, so it was kind of surreal that I was there for my own show for a change," she said.
"When I stepped on to the ice for the opening number, I was so excited. I could not believe it had been four years since my last performance in America. I was like, 'Hi L.A., hi everyone.' It was so great," Kwan recalled.
"Skating in my hometown with so many of my family and friends in the audience was very special." One of her special guests was her brother, Ron, who flew in from Denmark for the show.
Performing in the U.S. with Kwan was a unique experience, Kim said. "It was my third show with Michelle but the first time doing it in her country. We were both very excited. Michelle and I get along so well.
"Everyone told us that our 'Hero' routine was very touching," Kim said in reference to the duet she and Kwan performed.
"I was very happy that we did the show in the U.S. We knew there would be a lot of Korean fans, but the fact that so many people from all over North America attended the shows is a good sign for skating. Maybe there will be more shows in the U.S. in the future," Kim added.
Lambiel, a veteran cast member of the show who knows how enthusiastic Asian audiences are about skating, was pleasantly surprised by the crowd response to the shows in LA.
"We are used to the Korean people, but we were not expecting too much from the American crowds," he said. "We had a talk with David about this before the first show. We did not want to be sad because we expected too much from the audiences and it did not happen.
"But when everyone skated so awesome in the first show… I could see in Michelle's eyes that there was a lot of emotion, but it was not just for her; it was for all of us.
"No one expected the reaction from the crowds that we got. It was amazing. It felt like we were back in Korea. It was totally unexpected and so fabulous."
Wagner was thrilled when the invitation to join the show was presented to her. "I was looking at the list and counting the number of Olympians in the cast. I was a little guppy among the big wigs," she said with a laugh.
"It was incredible. I was really lucky that they asked me to be in it. I had so much fun. The special effects, the lighting and the fireworks ... It was a really cool, amazing show."
Originally published in December 2010


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Kaufman Named Golfweek Magazine's Golfer of the Week
Kim Kaufman was named Golfweek Magazine's Golfer of the Week Monday afternoon.
Oct. 29, 2012
LUBBOCK, Texas - Texas Tech senior Kim Kaufman was named Golfweek Magazine's Golfer of the Week Monday afternoon after she claimed her first career individual title last weekend at the Landfall Tradition.
Kaufman fired a tournament-best 5-under 67 opening round on Friday before the final 36 holes were canceled due to thunderstorms caused by Hurricane Sandy. She topped Kelsey Vines of Oklahoma State by two strokes to claim the title and in the process led the Lady Raiders into a tie for third overall.
The performance marked the third time already this year where Kaufman has finished among the top-five individuals. She started out the year as the tournament runner-up at the Ptarmigan Ram Classic and then followed up weeks later by finishing fifth at the Susie Maxwell Berning Classic.
The Clark, S.D. native is off to her best start to a season as she is averaging a team-best 71.5 strokes per round, which has lowered her career average to 74.3 overall. She entered the Landfall Tradition ranked 19th nationally in Golfweek's individual poll.
Kaufman is the first known Lady Raider to ever be honored with Golfweek's weekly award. She had previously been named the Big 12 Golfer of the Month for September earlier this year.
The Landfall Tradition closed the fall schedule for the Lady Raiders, who return to the links Feb. 10-12 for the Lady Puerto Rico Classic in San Juan.


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Let $G$ be a cyclic group of order $m$ generated by an element $a$. I want to show that the order of $a^k$ is $m/d$, where $d:=\gcd(k,m)$. I have a simple proof, but want to make sure I haven't overlooked anything since the other proofs I've seen (such as in Dummit and Foote) look more complicated.
The order of $a^k$ is the cardinality of the set $\{a^{ks}: s \in \mathbb{Z}\}$, which equals the cardinality of the set $\{a^{ks} a^{mt}: s,t \in \mathbb{Z} \}$ since $a^m$ is the identity. But the set $\{ks+mt: s,t \in \mathbb{Z} \}$ is the set $d \mathbb{Z}$ by the basic properties of integers. So we have that the cardinality of the set is $| \langle a^k \rangle| = |\{1, a^d, a^{2d}, \ldots, a^{m-d} \}| = m/d$.


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Ryan Rosthenhausler
2014 (Senior)
2014 Game-by-Game
Played in 39 games and started 33 games, 16 at third base and 17 at second base...Played in 15 conference games and started 12 conference games...Delivered a 16th-inning walk-off single on 3/22 vs. Purdue...Hit a 13th-inning walk-off single on 4/11 vs. Indiana State...Recorded seven multi-hit games and two multi-RBI games...Went 2 for 4 as a pinch hitter.
2013 (Junior)
2013 Game-by-Game
Appeared in 55 of SIU's 58 games and made 54 starts, 45 at shortstop and nine at second base...Started SIU's first 44 games at shortstop before moving to second base...Hit a 10th-inning, walk-off single against Eastern Kentucky on 3/29...Hit his first Division I home run on 3/12 at Middle Tennessee State...Recorded five three-hit games...Started all three of SIU's games in the MVC Tournament at second base.
Prior to SIU
Played one season at Gateway Community College and hit .312 with 23 RBI and 13 stolen bases in 14 attempts in 50 games with the Geckos in 2012...Began his college career at Long Island University Brooklyn...Appeared in 10 games and made one start for the Blackbirds and went 3-for-12.
High School
As a senior at Sunnyside High School, hit .427 with two home runs and 39 RBI...A two-time selection for first team all-city in baseball and basketball and second team All-Arizona in baseball...Was an all-state golfer as a junior.
Full name is Ryan Albert Rosthenhausler...Born on March 31, 1992...Son of Jimmy and Marissa Rosthenhausler...Father is a maintenance supervisor and mother is a director of sales and marketing...Has two brothers and one sister...majoring in criminology and criminal justice.


text: Travis Bluemling has been with the Flames since 2012.Prior to coming to UIC, Bluemling was a member of the United States Peace Corps, where he taught English as a Foreign Language. There he created lesson plans and material for sustainable teaching practices, led various clubs, and provided English lessons and tutoring to children and youth in the community.From 2009-10, Bluemling was a Personal Trainer at the Wellness Center, where he worked directly with senior citizens on living a healthier lifestyle.From 2006-08, Bluemling was a Student-Athlete Mentor, where he worked directly with six student-athletes on balancing their academic and athletic career. He also monitored their academic progress and tutored multiple subjects.From 2004-08, Bluemling served as a counselor at the Mason Park Recreational Center, where he managed and organized activated for 300 urban children, and served as the youth volleyball coach and refereed youth basketball and volleyball.While at Cal State-Northridge, Bluemling was a member of their Division 1 Volleyball team (2003-08), and was on the Student-Athlete Advisory Council, Intercollegiate Academic Advisory Committee (2005-08), and Intercollegiate Related Activities Board (2005-2008).Bluemling graduated Cal State-Northridge in 2008 with a Bachelor of Science in Kinesiology. He is fluent in Indonesian, and is currently working on his Masters in Youth Development at UIC.


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Patti LeGary, Photographer
7/07--I haven't visited this particular album in years, and the photos look just awful! My apologies...these scans were the reason I bought a new scanner, but obviously I missed scanning these with it! I will, as soon as I have some spare moments and can find the original photos. Aloha! Patti
Please click here to visit my WEBSITE for packages and pricing


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New York, NY — September 28, 2009. This October, the Foundation Center's Funding for Arts Month will offer special events, classes, and resources aimed at helping artists and nonprofit arts organizations become better grantseekers and increase their funding. At free programs in the Center's Atlanta, Cleveland, New York, and San Francisco locations, participants can discover fundraising strategies, network with fellow artists and colleagues, and gain insight into how the economic crisis has impacted foundation support for the arts.
"Arts organizations and individual artists continue to cope with fundraising struggles as a result of the current recession," said Janet Camarena, director of the Center's San Francisco office. "Being armed with the latest information is more important than ever, and our Funding for Arts Month programming will identify ways to survive, thrive, and succeed in this very challenging fundraising environment."
Visitors to the Center's web site will find Focus on Funding for the Arts, a "one-stop shop" of free, easily accessible information including:
New Publications
In conjunction with Funding for Arts Month, the Center will release two regional funding reports: Spotlight on Arts Funding in Georgia and Spotlight on Arts Funding in California, available for free download in the Gain Knowledge area of the Center's web site.
About the Foundation Center
Established in 1956 and today supported by close to 550 foundations, the Foundation Center is the nation's leading authority on philanthropy, connecting nonprofits and the grantmakers supporting them to tools they can use and information they can trust. The Center maintains the most comprehensive database on U.S. grantmakers and their grants — a robust, accessible knowledge bank for the sector. It also operates research, education, and training programs designed to advance knowledge of philanthropy at every level. Thousands of people visit the Center's web site each day and are served in its five regional library/learning centers and its network of more than 400 funding information centers located in public libraries, community foundations, and educational institutions in every U.S. state and beyond. For more information, please visit foundationcenter.org or call (212) 620-4230.
Return to Press Releases


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These people that are calling for break fees to be waived should be taken out and shot. You will cost all of us because it will limit the ability and willingness for banks to lower rates. If customers are going to have a 'free option' and reset thier mortgage with no break costs then how quickly do you think banks are going to pass on interest rate cuts. Simple fact of the matter is that you entered into a financial contract with the bank to pay a fixed interest rate for a fixed period .... why on earth you think you should be able to get out of that for free I have no idea.
The pressure is on banks to lower fees for customers wanting to break from fixed-term mortgages as home loan interest rates head south.
But bank chiefs are resisting pressure to be lenient with customers stranded on high interest rates, following yesterday's slashing of the Official Cash Rate (OCR) by the Reserve Bank.
The OCR was reduced from 5 per cent to 3.5 per cent and rapid falls in floating interest rates and new fixed rates have meant many were left locked into higher payments.
Finance Minister Bill English said yesterday he expected banks would be pressed to reduce the penalties for breaking mortgage agreements to get cheaper interest.
State-owned Kiwibank could expect a discussion with him as shareholding minister on the subject, he said.
The bank, which led the way announcing mortgage rate decreases yesterday, had some of the highest break fees of any bank, according to The Dominion Post.
Both Kiwibank and Westpac would charge more than $21,000 for a customer to break a $200,000 five-year fixed rate loan taken out in 2007 for 25 years.
ASB and National would charge $11,000 and BNZ just $8000.
Labour leader Phil Goff yesterday called on the banks to waive break penalties -- not universally, but for borrowers in genuine hardship where perhaps one partner is made redundant.
Kiwibank spokesman Bruce Thompson said the bank would be happy to brief Mr English on its methodology for mortgage break rates but did not intend to lower them because they reflected the cost to the bank.
"These are not estimated costs or costs which the bank is looking at making additional income...These are actual costs that the bank incurs."
Mr Thompson said that while Kiwibank's break rates were based on wholesale rates and were therefore higher than retail rates, its interest rate was lower than other banks.
Westpac spokesman Craig Dowling said his bank's high mortgage break rates reflected the high costs facing the bank when a client broke a mortgage.
Reserve Bank Governor Alan Bollard said yesterday it was a matter of private contract between banks and their customers.
"When people go to banks for mortgages they sign up to a set of conditions, and normally when they sign up there, there will be some clause which mentions breaking a contract and the implications for that."
Dr Bollard yesterday said expected banks to pass on the lower wholesale rates to their customers.
That was reinforced by Mr English. He said the Government had provided guarantees to the banks and the Reserve Bank was providing funding facilities to them.
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3 Comments & Questions
While in principle I agree with Still floating, I ceertainly understand the pressure on borrowers to want to break the term, and that has been an option Banks have provided for many years.
What irks me more now, is the mean way in which Banks are only passing on part of the OCR move, so clinets only get part of the benefit. The Bank pockets the rest.
Take National for example. Their Floating Rate is 7.50 as at yesterday. We are told this is going to drop to 6.99% now the OCR has moved. So they will move 5.01% after an OCR of 1.5%.
Kiwibank is on 6.5%. even before the OCR. Maybe anticipated but its still a goog way below National/ANZ, and the other two, Westpac and BNZ.
No wonder Kiwibank are still picking up a lot of customers!
It's not a democracy where Governments around the world are pumping billions into the International banking community and as the recession continues to hit they sit on it for their own gain. The above obviously, have their own interests surely not the average home loan payer on 9% and above. It's as if we are being held to ransom on a break fee of over $35,000. The current recession is worse than the 1930s and New Zealand has not yet seen the worst. Governments are making special cases to boost the economy. I cannot see why the banks do not release more money into peoples pocket by breaking the get out fee or substantially reducing it. I bet many home loan payers will not be staying with their current lender come the end of the fixed term interest rate period!
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** 36th Anniversary of Bob Wills Day, all day, Turkey. Info: (806) 423-1033 or www.turkeytexas.net.
** The WTRHA Spring Show presented by American Quarter Horse Association, Bill Cody Arena. Info: (806) 341-5131
** Princess Warriors fifth annual Miracles of Spring Luncheon and Style Show, 10 a.m. to noon, Amarillo Country Club Ballroom. Tickets: $30 in advance or $35 at the door. Info: Laraine Bowers, (806) 359-4673, Ext. 286.
** The Cowboy Poets Spring Roundup, the Old Tascosa School at Boys Ranch. Picnic lunch at 10:30 a.m. Bring friends, food, utensils and folding chairs. Coffee, tea and tables furnished.
** Amarillo Repertory Theatre, "Little Red Riding Hood," 2:30 p.m. today and Sunday. 3701 Plains Blvd., No. 25 (Sunset Center, on the north side facing Plains Blvd.). Tickets: $5. Information: (806) 331-2100 or (806) 206-5915.
** Amarillo Repertory Theatre, "The Butler Did It," 8 p.m., 3701 Plains Blvd., No. 25 (Sunset Center, on the north side facing Plains Blvd.) Tickets: $10. Info.: (806) 331-2100.
** Lone Star Interpretive Theater, 7 to 8 p.m., weather permitting, Palo Duro Canyon. Tickets: Regular park admissions apply. Info: (806) 488-2227.
** Lone Star Ballet, "Cinderella," 8 p.m., Globe-News Center for the Performing Arts. Tickets: From $25 to $50. Info: (806) 378-3096.
Calendar items may be sent to Amy Ferranti by fax at (806) 373-0810 or by e-mail to email@example.com.
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Sarah Helmick State Recreation Site
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Sarah Helmick State Recreation Site provides opportunities for picnicking, group picnics, hiking, fishing and wildlife watching.
The Recreation Site offers two reservation picnic areas for groups up to 200 people. Electricity, water, picnic tables and restrooms are provided at each site. There is plenty of shade from the bigleaf maples that tower above you. The area provides a quiet spot to walk along the trails that border the Luckiamute River, with plenty of birds and native plant life to investigate.
Vital stats: There is no fee to use this park. A fee is charged for the group picnic shelter. Contact Oregon State Parks for up to date fee information.
: Climate in this region changes with elevation. The area receives a high amount of precipitation. Much of the precipitation comes from October to April in the form of rain at the low elevations and as wet heavy snow in the higher elevations. Winter temperatures are normally cool at the lower elevations and cold at the higher elevations. Although snow is possible in the lowest elevations, it is infrequent and does not stay on the ground for long. Late spring, summer and early autumn bring the best chance for clear, sunny days and bring moderate temperatures.
Location: Sarah Helmick State Recreation Site is located in the Willamette Valley Region, off U.S. 99W, 6 miles south of Monmouth.
Contact Info: Oregon Parks & Recreation Department1115 Commercial Street NESalemOR97301-1002800-551-6949
What's around here? Location & Nearby Things to See & Do
These maps and directions are for planning purposes only. You may find that construction projects, traffic, or other events may cause road conditions to differ from the map results. For travel options, weather and road conditions, visit tripcheck.com, call 511 (in Oregon only), 800.977.6368 or 503.588.2941.
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