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If you've been using the Internet awhile, you've probably come across someone, in some damp forum somewhere, expressing the following sentiment:
"What do you mean I can't get ______ for free anymore? How dare they charge money for this! This is worse than when they put ads up! Which I also bitched about! I'm going to take my business elsewhere! No! I'm going to bitch about it anonymously, and then take my business elsewhere! No! I'm going to bitch about it, then steal it, and then play with my business elsewhere!
"Or even right here in the computer chair!"
You will of course see similar rants when this poor person gets free stuff but discovers that the free stuff wasn't good enough. "What do you mean this free app doesn't have ________ feature, YOU CORPORATE FAT CATS?!" And again if something is free, and is awesome, but it doesn't come quickly enough.
"What kind of Nazi/Communist/sentient genital wart do you have to be to dare take a vacation instead of producing things for me to enjoy!?"
And if you're being really honest with yourself, you might even have felt the same things. I know I have. I'm not holier than thou. I'm exactly as shitty and self-entitled as thou.
But why? Like you (I'm imagining), I'm not normally a huge asshole in the real world. I'm constantly paying for things and not shrieking in the faces of shopkeepers. So why is it that you and I and everyone else on the Internet are so convinced that the world owes us everything, quickly, of the highest quality, and free? How did we get to be such self-entitled little bastards?
4We Don't Really Care About the Content Providers
The fact that someone has to write the things we read, or program the games we play, or produce the shows we watch isn't that relevant to most of us. We're just interested in the product, and more specifically, getting it in our grubby hands. When I went out and bought this Rush album ...
This one here.
... I didn't buy it because I cared about Mr. Rush, or wanted to buy Mr. Rush a new boat. I wanted the music, I guess.
Unless it was something else.
From my point of view, I gave my money to the music store, and they gave me a record. I wasn't rewarding the content creation. I was rewarding the content delivery.
This is part of the reason piracy is so rampant. That didn't blow over when Napster left, incidentally: HBO's current hit show Game of Thrones is now probably watched by more people illegally than it is legally. Sure, that might be in part due to the restrictive ways of legally getting it, which I think involves sending HBO a check each month. (Does that sound right? That sounds too crazy to be right.) But it's still an insane amount of piracy.
But even when it is easy to legally get something, piracy is still rampant. When websites like NYTimes.com put up pay walls, the Internet quickly fills with tips on how to get around those. No links here, though you can probably figure out how it works (it basically just abuses the free trial system). Same deal with ad blocking. And those little 99 cent apps in the Android app store? Despite being cheaper than shit (and easier to buy), those get pirated, too.
"How dare someone charge me the price of a taco for anything other than a taco!?"
I know there are a lot of reasons why we pirate media with an intensity that would make actual pirates blush. We do it because we can, because it's easy, because there's no penalties, and because everyone else on the Internet does it. But most importantly, we do it because, deep down, we could not give less of a damn about the people who create it. The guys who create Game of Thrones, talented and hard-working though they may be, are simply outside our Monkeyspheres. Their livelihoods and general welfare don't just rank below ours. In our minds, they essentially don't exist.
3Also Maybe It's Actually the Content Providers' Fault?
On the other hand, maybe we're right to poop on the content providers a bit. This might sound a little twisted; after all, if we hate them so much, why are we interested in their content? Well, when we perceive that the content provider is a middleman, someone who isn't responsible for making the content so much as they are for marking up its cost, that might have something to do with it.
During the 1990s, a lot of pro-piracy rhetoric was based on arguments like this, rooted in the fertile soil of music industry hatred. The music industry did of course have a lot to answer for. Charging $20 for a CD, of which the actual band might see $2. Charging $20 for an album with only one good song on it. Price fixing. Everything to do with Ace of Base.
And sure, pirating the songs denied the actual artists (who we maybe don't hate) their $2 of income. But then we did it anyways, because they're rich, and that sounds like a good enough reason to hate them, too.
Also, charging $20 for a CD with no good songs on it.
There's also the issue of episodic content being delayed. When people complain about this, most content providers typically respond with something like "We'll release it when it's done," or "These delays aren't costing you anything, so quit your bellyaching," or "Go to hell, you fat lazy bastards. Jesus Christ. Ride a bike."
There's a problem with that, though, when the consumers have already paid for previously released episodes. Basically, the value of an individual episode is based in part on the fact that it's only a part of a larger whole. The Fellowship of the Ring, on its own, is worth less than The Fellowship of the Ring as the opening chapter of The Lord of the Rings. In fact, on its own, The Fellowship of the Ring isn't worth much.
"That's it? I guess Boromir was the bad guy, then?"
When someone sells an episode of an incomplete story bundled with a promise that the story will be completed in later episodes to come, and then stops releasing new episodes, that reduces the value of the episodes they've already sold. Believe me, I am sympathetic to content creators and the challenges they face making novels and video games and novels based on video games. But I also have sympathy for people who pay for stories that were promised to be finished and then don't get finished. That's worthy of complaining about.
(What isn't justifiable is people who bitch about free content being late. Those guys are assholes. If you see anyone doing this, kick them in the ear.)


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The question of statehood for Puerto Rico is again bobbing to the surface like a mossy coconut, as it seems to with annoying regularity.
Some Republicans — including a few in the Bush clan's inner circle — apparently have convinced themselves this would mean a political windfall for the GOP, in terms of courting the Hispanic/Latino vote. But we've never seen the math on that. And besides — it would be a supremely cynical reason for pushing statehood for the commonwealth.
Perhaps with this chimera in mind, the Bush administration last month "asked Congress to set yet another vote for the island's citizens to voice their opinion about their future," according to a report. But we can see little reason to force the issue.
A few radical islanders have over the years pushed for independence — the same types that drove the U.S. Navy out of a critical amphibious warfare training area on the island of Vieques, with the shameful acquiescence of President Bush. Many Puerto Ricans probably back statehood. But most seem content with commonwealth status, if they bother to notice.
Puerto Ricans already are American citizens, sort of. They have all the civil rights Americans do. They can benefit from federal programs, and they can serve in the U.S. military. But they pay no federal taxes and cannot vote for president — which is a trade-off many of us would be happy to make.
They lack any real representation in Congress. But so what?
Most Americans lack any real representation in Congress. And the lack of political clout hasn't left Puerto Rico marooned:
The island continues to receive billions of dollars in federal aid each year, even without a helping hand from a friend on the appropriations committee. And given Congress' low reputation among most Americans, maybe there's virtue, and even a certain honor, in opting out.
Statehood is an issue that lends itself to rabble-rousing on the island. It's a debate driven, in other words, by fringe elements and political opportunists. But most Americans aren't clamoring for a resolution to the situation, any more than they lie awake at night wondering about Guam's similar status.
Commonwealth status has advantages, allowing Puerto Ricans to claim solidarity with the United States when it suits them, but keep their distance when it doesn't. And in fact, we sometimes wish New Mexico had the same prerogative. Perhaps New Mexico could negotiate a statehood-commonwealth swap with Puerto Rico.
They could find out that being a state isn't all it's cracked up to be. And we could get a break on our federal taxes.

subset: commoncrawl


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DNR counts 434 eagles along Wisconsin River
Officials find twice as many birds as last year
Published On: Jan 16 2013 07:34:07 AM CST
State wildlife officials have counted hundreds of bald eagles feeding along the lower Wisconsin River.
The Department of Natural Resources conducted an aerial survey last week. Agency biologist Dan Goltz counted 434 adult and juvenile birds between the Petenwell Flowage and the Mississippi River. That compares with 186 eagles recorded in last year's survey.
The eagles were concentrated from the Prairie du Sac dam west to U.S. Highway 14.
Goltz said eagles are searching for fish. Their numbers vary greatly along the river from year to year depending on ice conditions.
Copyright 2013 by The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Getting the chance to see a whale shark doesn't come around often, but when it does one can only hope the encounter turns out like the one in this story.
Click here to watch Brenton Awa's report.
A 25-foot whale shark was spotted just off the Kona coast last Thursday. Master Diver Keller Laros was on board a boat with others getting ready for a dive when he noticed over a dozen other boats parked in a crowd. The crew from Jack's Diving Locker saw nearly 70 snorkelers in the water and that's when they knew it must be because of the largest known fish in the sea.
"The dorsal fin was maybe a foot, foot and a half high out of the water and you could see the tail on the surface swishing back and forth a little bit and the people were following above and the whale shark went down," said Laros.
Laros says he sees about one whale shark per year but sometimes the meetings last only seconds, this time it was different.
"The whale shark was there for up to two hours and the boats came and left and came and left and there was probably 150 to 200 people that got in the water with the whale shark during the course of that time," said Laros.
Laros says the shark seemed curious and wasn't bothered by all the attention.
"He would sort of interact with people a little bit and then he would come right up to you and look at you. A couple of times it opened and closed its mouth, it went right up to the swim step of a couple of different boats," said Laros.
While most swimmers maintained their distance, Laros says one person attempted to grab the sharks tail, but after being yelled at he stopped.
"This isn't an amusement park, it's not a petting zoo, these are wild animals in their natural environment and it's really best to treat them with respect," said Laros.
Following the warning everything returned to normal and everyone was able to start the new year with a big splash.
"I think if you're living out in the ocean all by yourself and all of a sudden you get friendly interaction from divers and snorkelers that aren't trying to poke you or ride you or anything like that, it just seemed like the whale shark kind of enjoyed the company," said Laros.


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Contact: Ted Slowik, Director of PR and Media Relations, 630-637-5307, email@example.com
March 2, 2010—Enrollment is underway for summer school at North Central College. Courses are open to students from other colleges and to all North Central undergraduate and graduate students.
An eight-week class session begins June 14, and two four-week sessions begin June 14 and July 12. Enrollment is easy; applications are available online at www.northcentralcollege.edu/academics/curriculum/summer-school/ or by calling 888-595-GRAD (4723). Students may also register by mail or in person at the campus administration building, Old Main, 30 N. Brainard St., Naperville, at the second-floor Office of Admission.
Undergraduate course offerings include such core academic subjects as biology, chemistry, calculus, physics and American government. Students may choose from courses in astronomy, cultural anthropology, international business, urban problems, interpersonal communication, sport management or East Asian studies. Classes are offered in ceramics, outdoor education, wellness and first aid.
Graduate students may choose from courses ranging from financial management and conflict resolution to human resource management and professional leadership.
"Summer school is a great way for students to accelerate their degree progress," says Peter Barger, dean of graduate and continuing education. "We welcome both North Central students and students from other four-year colleges and universities who are home for the summer. We offer myriad liberal arts and core courses that easily transfer back to other four-year institutions."


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"All the books and magazines that you sent me helped re-enforce my new-found Catholic beliefs. After reading them and praying, I now have no doubts about the Catholic faith and I am rejoicing in the truth. It is good to know the truth! God bless Catholic Answers!"
~ Sarah, New York, New York
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"Approaching, do not come with your palms stretched flat nor with fingers separated. But making your left hand a seat for your right, and hollowing your palm, receive the Body of Christ, responding Amen. And having with care hallowed your eyes by the touch of the Holy Body, take it, vigilant lest you drop any of it."
~ Cyril, Bishop of Jerusalem, Doctor of the Church, Saint; on the proper technique for receiving Holy Communion in the hand (circa A.D. 347).


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Leading makers of mainboards have reportedly started shipments of their products based on Intel Corp.'s not-yet-officially-unveiled Intel X48 core-logic. The actual motherboards may emerge in retail as early as this month. The new mainboards are primarily aimed at gamers and performance enthusiasts.
Asustek Computer and Gigabyte Technology both started shipping their platforms based on Intel X48 high-end core-logic this week, reports DigiTimes web-site. Potentially, it may mean that such products will reach retail stores already in March, whereas Japanese and Taiwanese stores may start selling Asus and Gigabyte Intel X48-based devices even earlier, either this week or sometime next week.
Intel X48 chipset will support processors with 1600MHz processor system bus (PSB), dual-channel PC3-10600 (DDR3 1333MHz) memory with Intel Fast Memory access and overclocking capabilities, PCI Express 2.0 bus with multi-GPU technology capability and some other performance improvements, such as flexible overclocking abilities and extreme memory profiles (XMP) technology.
It is interesting to note that the desktop processor with 1600MHz quad pumped processor system bus – quad-core Intel Core 2 Extreme QX9770 clocked at 3.20GHz – has been delayed, which means that early adopters of Intel X48 platform will most certainly be overclockers, but hardly system integrators, for whom 1333MHz-supporting Intel X38 should be enough.
According to confidential documents seen by X-bit labs, Intel has removed support for PC3-12800 (DDR3 1600MHz) memory from the X48 platform and let mainboard makers to decide whether to support it or not. Intel itself plans to start shipments of its Intel Desktop Board DX48BT2 (Bonetrail) sometime in Q1 2008 with DDR3-12800 support from the beginning.


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ROCHESTER, Minn. — Many older adults who develop shingles face a second whammy: severe pain caused by postherpetic neuralgia.
The Mayo Clinic Health Letter explains this painful and common complication of shingles. Some studies have shown that half of the people 60 years and older who develop shingles experience this complication.
Shingles (herpes zoster) occurs when the chickenpox virus, present and dormant in those who had chickenpox, becomes reactivated. Age, illness, stress or medications that suppress the immune system can contribute to reactivation. The virus travels along nerve fibers that extend to the skin and typically shows up as a trail of rash and blisters. They most often present as a band around the trunk, usually just on one side. Postherpetic neuralgia occurs if nerve fibers are damaged during the shingles outbreak. The result is excruciating pain that may persist for months or even years after the disappearance of the shingles rash and blisters.
Signs and symptoms of postherpetic neuralgia generally occur in the same area as the shingles outbreak. The pain may be sharp, burning, or deep and aching. Sensitivity to light touch, even the touch of clothing, can be extreme.
There is no single treatment to manage postherpetic neuralgia. Usually, a combination of strategies will be used. They may include:
- Skin patches for topical pain relief
- Anti-seizure medications that stabilize abnormal activity in the nervous system
- Antidepressants that influence how the body interprets pain
- Opioids and other pain medications
The best treatment for postherpetic neuralgia is prevention of shingles. The vaccine Zostavax reduces the risk of shingles in older adults by about half and the risk of postherpetic neuralgia by almost 70 percent. The Centers for Disease Control and Prevention recommends that adults age 60 and older get the vaccine regardless of whether they have had shingles.
Early antiviral drug treatment of shingles, within the first 72 hours of the rash's appearance, reduces the risk of postherpetic neuralgia by 50 percent. Shingles typically starts with pain, itching and tingling in an area where the rash will develop in a matter of days.
Source: http://newsnetwork.mayoclinic.org/discussion/treating-or-preventing-pain-after-shingles


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Forgot to add that human X Factor "Landry Fields Esq." will make Anthony Morrow and Terrence Williams look like basketball abortions tonight.
While the New York Knicks have climbed back to .500 thanks to their recent success on the road, that hasnt translated at home despite a favorable schedule.
The Knicks will try for their third home win when they face the New Jersey Nets on Tuesday night.
New York (9-9) has won six of seven, including a 125-116 double-overtime victory at Detroit on Sunday. All six of those wins have come against teams with losing records and five have come on the road.
We are just showing the sort of composure that we have and that we are growing since day one, said Raymond Felton(notes), who overcame a stomach illness to finish with 23 points and 11 assists. If we continue to play that way and get better at home, I think that we will be okay this season.
It was another big game for Amare Stoudemire, who scored 37 points to go along with 15 rebounds and seven assists. Stoudemire is averaging 27.1 points and 9.7 boards in the last seven games.
Hes great, coach Mike DAntoni said. Just his persona and his aura is really good. Its not about making mistakes or missing last shots, youre always going to do that, but just being there with the guys every second is huge.
Stoudemire and the Knicks will try to carry over that success to Madison Square Garden, where they are 2-5 this season, including a 99-90 loss to Atlanta on Saturday that snapped a five-game winning streak.
The Hawks are the only team which New York has hosted that currently has a winning record, but the Knicks are averaging more than seven points per game more on the road than at home.
Felton is averaging a career-high 18.1 points but only 15.0 at home. Danilo Gallinari(notes) is averaging 11.9 points at MSG while making 23.3 percent from 3-point range, compared to 18.1 points and 43.1 percent on the road.
The Knicks will have a good chance to better their home record against the Nets (6-11), who have lost five straight on the road.
-Contain Lopez
-Maintain at least an even spread on the glass
-The 3 ball. ****ing obviously!
-Closing the 4th
-Maintaining a defensive presence/threat in the paint
-Stopping penetration
Captain Ray VS Devin Harris
If Raymond can maintain Harris' O, he can take a rest on our offensive end and HOPEFULLY begin creating shots for others, more so within the fluidity of the game.
Nets owner Mikael Prokhorov was recently quoted saying:
What could he possibly mean?"I very much like **** in ass"
Nets Notable News:
New Jersey is looking to win back-to-back games for the first time since opening the season 2-0. The Nets are coming off a 98-96 win over Portland on Sunday after losing their previous two games.
After being held below 90 points in those two defeats, the Nets overcome a slow first half and finished the game shooting 52.5 percent. Devin Harris(notes) scored 25 points, including a late 3-pointer to give New Jersey a 92-89 lead.
Devin was the one who really had the chance to spark us, said forward Kris Humphries(notes), who had 10 points, eight rebounds and four blocks. I think the way we came back shows some growth. Weve had some tough losses this year and we didnt want another one.
Harris is averaging 22.8 points in his last four games after a four-game stretch in which he averaged 12.3. He shot 7 of 12 on Sunday and had eight assists.
Harris scored 31 points the last time New Jersey faced the Knicks - a 113-93 win at MSG on March 6. The victory earned the Nets a split of the season series.
I'm debating on whether or not to go. I have the tix up for sale on ticketexchange but if they don't sell I guess I'll go.
Guess if I was simple in the mind...everything would be fine.
At home against a sub .500 division rival = MUST WIN!!! GO KNICKS!
Is Turiaff and Douglas playing?
Must win game
I hate the Nets so lets **** them up floyd mayweather-Arturro Gatti style
^Turiaf is an essential piece of the puzzle, we need him on the defensive end.
I would love to see us above .500. We have a winning team on the floor that can compete with any team in the league.
I'm nervous. See a real dogfight unfortunately.
Lopez could really beast on us if The Beard won't be playing.
And Favors having a "career" game, a la Evan Turner w Philly. That one really scares me.
Morrow has been hot lately, too. And when a sharpshooter is stroking the 3 tough to do much about it.
STAT needs to beast, Gallo can't lay a grenade, Moz *must* log some quality minutes, and Raymond needs to make Harris his bitch.
I think we actually see AR log some minutes again, too.
This game can go either way.
The Knicks allow teams to shoot 47% from the field and they give up over 107 points per game, but the Nets don't have anyone who they can rely on in the 4th quarter and they sometimes go through long stretches without scoring.
I think the Nets will win, but only because they're a good defensive team. But their offense sucks, so it wouldn't surprise me if the Knicks won.
Jeremon Linbury
No Turiaf is going to hurt. Might need to use Ant Randolph's length to try and stop Lopez. Honestly this year he hasn't taken that HUGE step that some believed he would, but nonetheless he is a good center that will be hard to stop.
The Knicks got to pull this one off. Knicks HAVE to beat the teams they might end up competing with in the east for those last playoff spots (Bobcats, Wiz, Pacers, Nets, Sixers, Craptors, Bucks)
lmaoo nice thread
Should be a great game
Nets are weak in SF and PF so unless harris and lopez get it going we should be in good hands
With Douglas, that definitely helps our cause. If the Gov and AR keep Lopez under 30 we'll be OK...They must watch the Fouls (especially the stupid ones)...This is one of those games I'd like to see the Knicks not allow them to spread the floor. This way, Fields and Douglas could be their pesky selves and drive Lopez nuts with doubles and reach ins


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TCL > July 2013 Issue > Highlights of the 2013 Legislative Session
About the Author
Michael A. Valdez is the CBA Director of Legislative Relations—(303) 824-5309, firstname.lastname@example.com. Readers may contact Michael any time they would like more information about bills or other legislative matters that relate to or affect the legal profession and the practice of law.
Another legislative session has come and gone. The Colorado Bar Association (CBA) was active in a number of bills in this 2013 legislative session. This article provides information on notable legislation the CBA addressed in the session that concluded on May 8, 2013. A more comprehensive review of legislation from the 2013 legislative session will appear in the August issue of The Colorado Lawyer. The "Legislative Update" will feature summaries of legislation that affect the legal profession by area of practice.
The general election in November 2012 brought a major change to the political landscape at the Capitol; then again, what general election doesn't bring about change? The big change at the Capitol in 2013 was the control shift in the House from the Republicans to the Democrats. The shift was anything but subtle—from a 33–32 majority in the previous two legislative sessions, the House Republicans moved to the minority with the majority switching to the Democrats where the Democrats now enjoy a 37–28 majority. Meanwhile, in the Senate, the election kept the majority in the hands in the Democrats. They enjoyed the same margin as in the two previous sessions—20–15. Term limits continue to have an impact on the complexion of the two houses: there were thirty-three new legislators elected to the House and Senate. In an effort to groom new legislators for leadership roles, fresh faces are pressed into leadership roles in their first and second terms at the Capitol.
After getting through some tough economic times, the recovery of the Colorado economy outpaced the nation's recovery over the last year. Strong revenue projections from the fall and into the start of the legislative session changed the conversation around the state budget. In the previous two legislative sessions, balancing the budget with declining revenues was the dominant concern on the minds of all 100 legislators. With greater resources to work with for the 2013 legislative session, the Joint Budget Committee (JBC) was able to restore some of the funding for cuts that were required in recent years.
State Budget Highlights
> Protecting Colorado's most vulnerable populations
> Enhancements to mental health system
> Protecting Colorado's children from abuse and neglect
> Support for K-12 and higher education
> Promoting economic development
> Investing in critical infrastructure
> Planning for the future
Judicial Budget
The Judicial Branch submitted several budget priorities to the CBA Joint Budget Committee (JBC) when the session began. When all was said and done, each priority was approved by the JBC and ultimately by the entire legislature.
> Procedural fairness and leadership education initiative
> Self-represented litigant coordinators
> Court appointed professionals coordinator
> Problem-solving court coordinators
> Implementation of evidence-based practices
> Additional Legal Staff
> Courthouse capital and infrastructure maintenance
Legal Services for Victims of Domestic Violence
In the current fiscal year, which ends on June 30, 2013, $628,430 has been appropriated for legal services funding for victims of domestic violence. This line item is the appropriation for the Family Violence Justice Fund in the Judicial Branch budget. With strong support from the Access to Justice Commission, the JBC increased (and the legislature agreed) the line item in the budget by $541,570, making a total appropriation of $1,170,000 ($1 million in general funds and $170,000 in cash funds). This marks the first time ever the appropriation has exceeded $1 million!
2013 CBA-Sponsored Legislation
This section features a discussion of CBA-sponsored bills from the 2013 legislative session. The term "sponsorship" means that proposed legislation has undergone extensive study and review by the sections and committees of the CBA. The term also assumes that, with regard to solicitation of legislators to carry the bill, scheduling of witnesses, and lobbying to ensure its passage, ultimate responsibility for the legislation rests with the CBA.
S.B. 13-77—Concerning Certain Provisions of the Colorado Probate Code
Sponsored by Sen. Ellen Roberts and Rep. Dan Pabon
The 2013 Probate Code omnibus bill is the product of two years of revisions developed by the CBA Trust and Estate and Elder Law Sections. At the request of our prime sponsor, the Probate Code took one year off from revisions, so the 2013 bill was more robust in terms of the number of sections (eighteen) than omnibus bills from previous years. Here are the 2013 changes:
The act is effective on August 7, 2013, unless an initiative petition is filed to put the issue on the November 2014 ballot.
H.B. 13-1138—Concerning Public Benefit Corporations
Sponsored by Rep. Pete Lee and Sen. John Kefalas
This act creates a new class of Colorado companies called Public Benefit Corporations (PBCs), which pursue a public benefit purpose in addition to seeking profits. Historically, there have been two types of Colorado corporations: for-profit business corporations, which pursue profit maximization for the benefit of its shareholders, and nonprofit corporations, which pursue charitable, religious, and other social and public goals. In a business corporation, a director who puts social or public benefit purposes ahead of profit maximization may be violating his or her duty to the shareholders. This legislation provides flexibility to business corporations to pursue public benefit purposes (described forth in the PBC's articles of incorporation (publicly available at the Secretary of State's website), even at the cost of reducing profits.
As originally introduced, H.B. 13-1138 provided for the authorization of benefit corporations by amendment to the Colorado Business Corporation Act. The current bill is a significant amendment to the bill as originally introduced and reflects a breakthrough compromise between the sponsors and their associates and the BLab Company (Pennsylvania nonprofit corporation or PNC), the Alliance for a Sustainable Colorado, and a number of Colorado businesses that opposed HB 13-1138 in the House and who had originally proposed much different benefit corporation legislation in 2011 and 2012.
Key provisions:
> A business corporation can become a "public benefit corporation" either on formation or with the consent of two thirds of its shareholders. Shareholders who do not consent to the designation will have dissenters' rights.
> The act includes detailed notification requirements to ensure that those who become shareholders of a PBC are aware of the nature of the corporation—that is, that it also will pursue public benefits rather than pure profit maximization. As a result, shareholders and investors will be able to make an informed decision about whether they wish to invest in such a corporation.
> When a PBC is formed, the shareholders decide the nature of the public benefit to be sought. The term "public benefit" means "one or more positive effects or reduction of negative effects on one or more categories of persons, entities, communities, or interests other than shareholders in their capacities as shareholders, including effects of an artistic, charitable, cultural, economic, educational, environmental, literary, medical, religious, scientific, or technical nature."
> In their decision making, corporate directors are required to balance: (1) the pecuniary interests of the shareholders, (2) the interests of those materially affected by the corporation's conduct, and (3) the public benefits identified in the articles of incorporation. The second clause reflects the principal difference between the obligations of a for-profit corporation that may attempt to adopt a public benefit purpose as compared to a PBC. The directors of the PBC must balance the interests of those materially affected by the PNC's conduct, including employees, customers, suppliers, their operating communities, and even their competitors. Directors are protected from breach of fiduciary duty claims when they do so.
> Shareholders may bring an action against a PBC or its directors for failing to pursue the public benefit, but members of the public may not do so.
> PBCs must publish reports that address how the PBC pursued its public benefit purpose and what issues hindered the PBC from pursuing its public benefit purpose. The report also must set forth an assessment of the overall social and environmental performance of the PBC against a third-party standard, although the assessment can be a self-assessment and does not need to be audited or certified by any third party. The process and rationale include selecting or changing any third-party standard against which the PBC's performance is assessed.
The compromise on the bill is based on a legislation being considered in Delaware, which has been endorsed by the BLab Company. Unlike the Delaware proposal, which requires 90% approval to become a PBC, the Colorado act elected to continue the two-thirds requirement from the original bill. In addition, the act contains the reporting requirements from the original bill (as amended in the House Business Labor, Economic, and Workforce Development Committee) rather than the biennial reporting requirements of the Delaware proposal.
A goal of this act is to attract social entrepreneurs and socially responsible "impact" investors to Colorado. It offers a flexible approach empowering shareholders to decide what type of general or specific benefits to pursue, in lieu of profit maximization, and how they want to govern their entity.
Parts of the Act are effective on April 1, 2014, and the remainder of the act is effective on August 7, 2013, unless an initiative petition is filed to put the issue on the November 2014 ballot.
HB 13-1284—Concerning documents that can be filed regarding security Interests under the "Uniform Commercial Code"
Sponsored by Rep. Bob Gardner and Sen. Ellen Roberts
This bill represents technical clarifications to amendments to legislation that was adopted in the 2012 legislative session (HB 12-1262—Concerning enactment of amendments to the secured transactions provisions of the "Uniform Commercial Code," sponsored by Rep. Gardner and Sen. Roberts). Article 9 of the Uniform Commercial Code (UCC) regulates the creation of security interests. Revisions adopted in HB 12-1262 specify that the form of the debtor's name that should be entered when filing a financing statement is the name that appears on the debtor's driver's license. The technical clarifications contained in the bill specify that if the debtor does not have a driver's license, the form of the debtor's name to enter on a financing statement is the name that appears on the debtor's state-issued identification card.
In the 2002 amendments to UCC Article 9, Colorado adopted non-uniform provisions that regulate who can file an information statement about a security interest and the effect of such a filing. H.B. 12-1262 rendered these provisions obsolete, but they were not repealed in that bill. HB 13-1284 repeals these provisions.
The act is effective on July 1, 2013. This effective date coincides with that of HB 12-1262.
HB 13-1307—Concerning the effect of the inclusion of a legal description on the validity of documents affecting title to real property
Sponsored by Rep. Dan Kagan and Sen. Lucia Guzman
The Real Estate Section collaborated with several key stakeholders from the world of real property recordings to develop legislation that clarifies the legislature's intent regarding the filing of a deed of trust where a legal description is missing from the filing of the documents. The need for the clarification came about as the result of a 2012 Colorado Supreme Court decision.
Sender v. Cygan (In re Rivera)
In its June 4, 2012 decision in this case, the Colorado Supreme Court distinguished those cases where a faulty legal description was included in a recorded document from those cases where no legal description was included and held (among other things) that:
This Legislation:
This legislation attempts to address the following issues that may have been created by the Sender v. Cygan decision:
(a) prior to the Sender v. Cygan decision and pursuant to Colorado statutes and common law, a title examiner locating such deed of trust in the grantor index of Arapahoe County may well be on notice that the deed of trust was intended to encumber Troy Unique's sole property in Arapahoe County (and a Colorado Court could uphold that position based on the facts of the case) without having to refer to any legal description, address, or any other property identifying information whatsoever in the recorded document; or
(b) pursuant to Sender v. Cygan, that document is unquestionably invalid, void, and defectively recorded, leaving no ability for a court to determine whether or not a reasonable person would have made further inquiry based on this information, and leaving the parties and the courts with no option other than treating the document as if it had never existed.
This legislation clarifies that a failure to include a legal description on a document:
This legislation preserves the law that existed before Sender v. Cygan in that a failure to include a legal description in a document affecting title to real property will not automatically void that document. Instead, each party to such document, and/or other affected third parties obtaining an interest in the property purportedly affected by such document, will retain their respective ability to ask a court to determine the effectiveness of such document and otherwise enforce such document based on the facts of each case. The act is effective on August 7, 2013, unless an initiative petition is filed to put the issue on the November 2014 ballot.


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Starting March 31, and running through April 2, we will be giving away tickets to the NCAA Frozen Four Hockey Tournament, taking place April 8-10, 2010. This will be a historic event for the city of Detroit, held for the first time in a dome–Ford Field, home of the Detroit Lions.
Winning is simple – just be the first to correctly answer the trivia question by leaving a comment below and you will receive two tickets to all three games. To be the first to know when the next question is posted, become a fan of Pure Michigan on Facebook and Twitter, and Michigan Economic Development Corporation on Facebook and Twitter.
Tickets are good for:
- Admission to the Thursday, April 8th Semifinal games
- Game #1 at 5:00 p.m.
- Game #2 at 8:30 p.m.
- Admission to the Saturday, April 10th National Championship game @ 7:00 p.m.
Ok – here's your question:
What is the University Research Corridor?
There are just a few rules:
- Each person may only win once.
- You must supply your correct email address when registering to leave a comment – we won't share it, but we need it to be able to contact you if you win. If your email address is invalid, or we don't get a response to the email we send you within 24 hours, we will move on to the next winner.
- Answers must be submitted as a comment on the post with the question. Answers submitted on Facebook or Twitter, or via email, will not be counted.
- Employees, contractors, agents and family members of employees, contractors and agents of the MEDC are not eligible to win. The winning answer(s) will be determined solely by MEDC. All decisions of MEDC are final.
- View full Terms and Conditions


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Head of emerging market strategy at BNP Paribas to join hedge fund
The global head of emerging market strategy at French bank BNP Paribas is leaving the firm, and is set to join a London-based hedge fund.
Bartosz Pawlowski, who joined BNP Paribas in 2009, is set to join emerging market-focused hedge fund Finisterre Capital as a portfolio manager in early May, according to two people familiar with the matter.
Founded in 2002 and with around $1.7 billion under management, Finisterre Capital focuses primarily on emerging markets. In 2011 US investment manager Principal Financial Group acquired a majority stake in the London-based fund.
Earlier this year, Finisterre also appointed David Burnside as head of business development. He was formerly a partner and head of alternatives at BlueBay Asset Management.
While Finisterre is hiring, other emerging market hedge funds have struggled after a tough period for the sector.
In late February this year, Avantium Investment Management, founded in October 2011 by ex-Deutsche Bank traders, shut down after almost two-and-a-half years in business. Its emerging markets global macro hedge fund gained 7.5% in 2012 but was down 4.5% last year, according to the firm.
Earlier in February, hedge fund Brevan Howard Capital Management also closed its Emerging Markets Strategies Fund, after it lost 15% over 2013.
In September 2013, Adelante Asset Management, a boutique hedge fund manager, closed its global emerging markets debt fund after 14 years due to a lack of investment opportunities.
Finisterre made a profit of £6.3 million in 2012, according to the firm's latest available accounts. Its Principal Finisterre Emerging Market Debt fund is up 3.48% year to date, versus a benchmark of 1.59%.


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Mat Latos and his offensive balls
San Diego Padres pitcher Mat Latos is causing problems again with a baseball.
A San Diego-area sports memorabilia store advertised three balls with Latos' signature and the words "I hate SF" inscribed on them. The balls sold for $1,100 with half going to the MLB Alumni Association, according to the Associated Press.
Latos said it was a playful jab toward the Giants and only intended to raise money for charity.
"I did it all in fun," he said. "No disrespect to them."
You may remember last May, when Latos taunted some fans during batting practice at AT&T Park by throwing a ball over the left-field bleachers and out of the stadium. The ball ended up landing in parking lot behind the stadium and smashing a sun roof on a car owned by Giants announcer Dave Flemming. Latos later apologized and offered to pay the $1,200 damage to Flemming's car.
And now this.
Well, we all enjoy a little joke. And we can understand Latos' animosity, feigned or not.
The Giants eliminated the Padres from the postseason on the final day of the season in 2010, and Latos was on the mound that day for San Diego. Latos also set a major-league record last season with 15 consecutive starts in which he threw at least five innings and gave up two earned runs or fewer from June 10 to Sept. 7.
When did that streak end? On Sept. 12, when the Giants tagged Latos for five runs in four innings.
So it makes sense for Latos to write "I hate SF" on those balls.
But if Latos decides to something like that again, we only ask that he do it right, by writing "I hate SF, WSC."
Don't know what "WSC" stands for, Mat? Just think back to Nov. 1 of last season and it may come to you.
2 Comments
I've always known the Dodgers and Giants had no love loss for each other, but why in the world is Latos trying to stir it up with the Paders and Giants??? He's a good young pitcher and maybe he was just having fun signing those balls. I don't know. It should make for some interesting games when he pitches against the Giants this year.
These guys are in no-win situation most of the time. We always blame them for being plastic and giving the same cliches over and over.
"You're gonna have to study them, you're gonna have to know them"
But as soon as someone does something out of the box, Boom! We wonder what he was thinking.


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All Teams Dissed Equally
The interwebs are a buzz about RSBS' propensity for picking on what seems like only a select few players/teams, for striking at those more prone to ridicule, the bottom of the baseball barrel. We're talking about the Kyle Farnsworths, Brad Lidges, Milton Bradleys. We're talking about the Chicago Cubs, Pittsburgh Pirates, Kansas City Royals.
We're talking about easy marks. All of them. They are weak, addled, flawed.
But let it be know that dear readers galore have spoken; and we at RSBS are not ones to disappoint. So here ya go, folks… a quick slanderous slaying of all 30 Major League Teams… in one minute or less (or more, depending on your reading level):
Hey, Yankees, is that Mo'nique or C.C. Sabathia?…
Boston Red Sox? More like Boston Sucks Cox!…
Dear Rays, I can't wait until you disappoint all your new fans by letting Carl Crawford go…
Blue Jays, if you were gonna let an Italian destroy your franchise, why not give one of the Gottis a shot?…
I didn't know the Oriole way included a sharp decline in season ticket sales…
Sorry, Twins, but you'll never be as good as Kent Hrbek farting in George Brett's face…
Hey Tigers, remember when people used to live in your city?…
Attending a White Sox game is a lot like attending a vocational school open house…
I think we can all agree that Charlie Sheen could make the 2010 Indians squad…
The Kansas City Royals… did I mention Kyle Farnsworth?…
Oh, sure, I love the California Los Angeles Angels of Los Aneheim California Angeles Los L.A….
The Texas Rangers: Where born again drug addicts find Jesus while not making it to the playoffs…AGAIN…
Wow, Mariners, your most famous player outside of Griffey and Ichiro is… Harold Reynolds? Seriously? Ouch…
A's… it stands for "moneyball doesn't work so it's best we go back to employing known juicers"…
Dear Phillies, if the Phanatic isn't a phag, I don't know what mascot is…
Sorry, Marlins… if you're not cocaine or the Dolphins, Miami doesn't even know you're there…
Atlanta Braves…14 straight playoff appearances and how many World Series titles?…
Ladies and gentlemen, Mr. Met will now be played by a corpse…
Hey, Nationals, two words for ya: Dunn's ^ss!…
The Cardinals? The Cardinals!?! You're… you're… aweso– you're… (Sorry, I can't do it; I tried)…
For insults directed towards the Cubs, please see the 2+ years of RSBS archives
Hey, Brewers, is that Mo'nique or Prince Fielder?…
Just wait, Reds fans, two more years of Dusty Baker, and you won't even have a pitching staff!…
Houston, we have a problem… and it's called the Astros…
Yeah, picking on the Pirates is a lot like picking on the quadriplegic fat blind kid whose parents got divorced and forgot they even had a kid…
The Dodgers' m.o. is: show up late, leave early, hope no one notices the messy divorce…
Ok, Rockies, Dante Bichette called, he wants his inflated numbers back…
Hey, Giants, is that Mo'nique or — nope, that's Pablo Sandoval. He's just fat…
Padres? Friars? Perhaps Molested Altar Boys would be more suiting, considering the amount of back-bending abuse they've taken from Sandy Alderson…
The Arizona Diamondbacks? More like the Arizona Diamondhacks!
My vitriolic verbal leg sweeping knows no limit.
So don't hate me 'cuz I'm right.
P.S. The Cardinals? Fine. If I must. Here. Have fun with *THIS*.
*also thank you, Matt
21 Comments
It is not kind to poke a sleeping dog with a stick.
Actually I have come to terms with our financial situation and really do not see CC back here in 2011.
If it does happen, it will the end result of a monterous 2010 campaign, or to try and win a second one.
Seriously, most here in Tampa Bay have become quite subdued since the Rays and Crawford basically ended negoiations before the end of Spring Training.
That sometimes can be a clear indicator of a wide gap between their numbers.
Rays Renegade
RR — The Rays are a sleeping dog? I dunno about that. More like the little dog with lots of potential, trying to catch up… at least, in my opinion🙂 Too bad about Crawford, but from what I hear this Jennings kid might even be better.
Hahahaha! "Boston Sucks Cox"! Thats hularious!
Used to write "Thoughts of a Teen-Fan. Got a new blog. Check it out-
OMG Jeff, you left no team standing. Very funny. You have it 100% right about the Dodger fans..they do arrive late and leave early. I personally arrive 2 1/2 hours before the game and leave when the game ends.
The Marlins line still has me laughing! Some how my Mets escaped your forked tongue. So much to work with too. There's still time.
Brady — Glad you like it.
Cat — I try🙂 Good for you on being unique!
Mike — Fixed… and fixed🙂
First of all, sorry for not visting your blog lately.Second of all, this is brilliant! I seriously wanted to throw something at Sandy Alderson. Even John Moores.
I have one for the Cardinals:
Hey, Cardinals, good job being the team no one cares about winning the World Series no one remembers.
You're welcome, Jeff.
Good job on the disses. Had me laughing at work.
I have one for the Cardinals:
Hey, Cardinals, good job being the team no one cares about winning the World Series no one remembers.
You're welcome, Jeff.
Good job on the disses. Had me laughing at work.
– Beeeebzy
As usual, this is funny stuff. I would love to see the 'Wild Thing' on the mound for the Indians. At least he'd draw some fans…
Hyunyoung — Thanks! Sorry about Sandy… at least y'all have moved past that now🙂
Beeeebzy — Ah, thanks. What, my Holliday drop reminder wasn't insult enough? *sigh*
Mike — Me too! I'd make a special trip even! Psst, I hear Fausto Carmona is pretty wild so who knows….
Jeff: that one hurt.
Yes haah we know that Charlie Sheen can make the starting lineup, but hey don't hate on us.
who knows, the AL Central is so bad this year, that we might actually contend. No crap huh?
🙂 I wanna see what Allen has to say on the Cardinals.
How about, is that Tony La Russa or wait, no that's Tony La Russa… bummer.
sorry dumb computer, I didn't get the link on…
Ted — Sorry, dude, I don't think the Indians even have a shot🙂
Jane — Haha… well, to be honest, I just went down the list of the 2009 standings… so that's the reason. They are in first place though still, all year long, until someone takes their title away.
That's it, that's the best you could come up with the diss the Phillies…. just kidding, and I'm sure AP called to say how much he loves it when you talk dirty, or that you picked on Matt and not him, but you do lose points for over using the Mo'Nique analogy…
Outside the Phillies Looking In
You can't use the same bash for C.C. AND Prince! You could have at least said Notorious B.I.G. or Fat Albert, or Cecil Fielder! Because Prince doesn't get along with his dad? ahhhh
Haha Jeff.
When I went to Scottsdale to watch the Dodgers against the Giants and the Giants started leaving in the 8th, I got up and said something like "Hey everyone! Notice is the Giants fans leaving, not Dodger fans!" Got a few laughs.
But C'mon, is a bad rap cause it happens at every stadium and then there are lots of us that stay to sing "I Love LA" after a victory. My friends and I walk out in the parking lot about the same time that Vin is leaving or other players so you know we leave way after the game is over. I am glad Vin gets a nice service of being dropped off and picked up steps from the players entrance.
Peter & Ben — FYI, the re-use of the Mo'nique analogy is a well-known comedy trick attributed to Shakespeare no less. It's called the rule of threes. The third one is the zinger. I got this under control. Peter, aren't you a Brit? You should know this LOL.
Greg — Thanks!
Emma — Stereotypes exist for a reason. You're one of the few. When I lived in LA and was going to lots of Dodgers games I used to get so upset to see the stadium half empty at first pitch but full in the 4th inning only to see it half full again by the 7th. The Dodgers need more of you!


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Open Fires & Smoking Pipes
Tom Stalvey goes camping.
What a surprise it was when a neighbor stopped by over the holidays with a handful of old photographs of my grandfather, Tom Stalvey (right), and a pal on a camping trip. He passed away when I was but a young boy, and until now, most of the images we had of him were either from his service in Germany or portraits taken later in his life. So what a treat it was to see him and his buddy letting loose on this excursion circa 1949 following the Berlin Airlift. Looks like they had quite a time cooking over an open fire, smoking their pipes, and goofing around with this hound. Bittersweet and a bit comical, these pics lightened our spirits and, in a way, it was almost like he had paid us a Christmas visit.


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February 22, 2012 —
While groups of supporters of the Pond Eddy Bridge hassled into the night with each other and with a consultant engineer over the best design of the new bridge, George Ollert, a resident of Pond Eddy, PA, was getting more frustrated by the minute.
"It's been 15 years that we have been discussing this bridge," Ollert said. "When we started, it was $6 million. Now it's $12 million. The guy that is for the old bridge doesn't have to cross it every day. When I want to clean out my septic system, it costs me $1,000. They have to make three trips. I can't get propane service. I can't get oil service. If my house catches fire, I'm done. I don't care what style of bridge we get. I'm very nervous each time my grandchildren cross it. We need a new bridge, that's all."
Some questioned the high price of a bridge that would serve 24 properties on the Pennsylvania side with only 12 full-time families.
"We need to come up with one or two designs out of the nine that are on the table," said Kevin Atkins, liaison engineer with the Pennsylvania Department of Transportation (PennDOT). "Rehab of the old bridge is not viable. The bridge has to be replaced and we're looking tonight for a general consensus. We looked at the models that people suggested at our last meeting. We are looking to hold two more meetings and then we have to make a decision."
Not everybody agreed with him, especially Richard Plunz, a strong advocate for the old bridge. "It's still possible and it's a whole lot cheaper and faster," he said. None of the engineers and PennDOT officials agreed with him. Two members of the design committee left the meeting early because they opposed building a new bridge.
The engineers suggested that a straw vote be taken over the nine design options so that most would be rejected and three would be examined in detail before the next meeting.
As the meeting extended through the evening, the group came up with three options: a three-span steel-girders option costing about $8.1 million; a two-span arch costing $13.1 million, and a truss design costing about $11 million.
"For the next meeting, we'll work on refining these three options in order to get final consensus," said Bob Leonard of Erdman & Anthony of Mechanicsburg, PA.
The engineers said that it would probably be possible to work on the bridge without closing down the river traffic.
"The longer it takes, the more expensive it will become," said George C. Fluhr Jr. chairman of the Shohola Township


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Home List of Titles Climate change response research, May to December 2009: carbon accounting survey for Swinburne Carbon Accounting alumni
Please use this identifier to cite or link to this item: http://hdl.handle.net/1959.3/190266
|Download PDF (Survey questions: 8 pages) (Adobe Acrobat PDF, 63 KB)
- Title
- Climate change response research, May to December 2009: carbon accounting survey for Swinburne Carbon Accounting alumni
- Author(s)
- McKenry, Scott
- Abstract
- The National Centre for Sustainability (NCS) at Swinburne University of Technology conducted industry research from May to December 2009, with the intention of quantifying the impact of a carbon price on small-medium enterprises (SME) and mapping the responses of different industries to the challenges of operating in and adapting to a carbon constrained economy. Their approach to the research project focused on capturing the unique insight and experiences of the country's newest workforce---the Carbon Accountants. Detailed accounts of their work informed the economic modelling and cost forecasting presented in the report 'Accounting for the cost of carbon: price for small and medium business not sky high'. The key aims of the research program were to: (1) Identify the average carbon footprints of SMEs (all sector classifications excluding electricity, gas water and waste) and forecast their potential cost exposure under the proposed CPRS; (2) Examine current levels of engagement with greenhouse gas quantification and carbon management strategies within various industry sectors; (3) Examine outcomes from undertaking carbon accounting in the workplace; and (4) Identify barriers to the implementation of carbon reduction initiatives. Research activities included random online surveys distributed to industry across Australia (369 responses). This short survey (6-7 minutes) was designed by the National Centre for Sustainability to map the responses and readiness of different industries to operate and adapt to a low carbon future. The questions have been designed to: examine outcomes from undertaking carbon accounting in the workplace; identify the key skills and knowledge which industry sectors associate with operating in a carbon constrained economy; examine current levels of industry-by-industry engagement with greenhouse gas quantification and carbon management strategies; and identify emerging industry needs in relation to carbon management, measurement and reporting skills. The data described here pertains only to results from alumni from Swinburne's Carbon Accounting course, and has been anonymised to protect the identity of the participants. Other research activities for the project included surveys of participants within Swinburne University of Technology's accredited Course in Carbon Accounting (63 responses); focus groups and interviews with the Carbon Accountants on their experiences working in industry; Aggregate (anonymous) analysis of detailed carbon footprints of over 170 businesses (across all sector classifications excluding the Electricity, Gas, Water and Waste sector); and economic modelling of CPRS cost impacts to businesses of less than 200 employees. Survey responses are available from: firstname.lastname@example.com.
- Publication type
- Research dataset
- Research centre
- Swinburne University of Technology. National Centre for Sustainability
- Source
- Summarised results from this survey were published in: McKenry, S., et al. (2009). Accounting for the cost of carbon: price for small and medium business not sky high, National Centre for Sustainability flyer no. SP1323-33-1209
- Publication year
- 2009
- FOR Code(s)
- 150106 Sustainability Accounting and Reporting; 150303 Corporate Governance and Stakeholder Engagement; 9603 Climate and Climate Change
- Keyword(s)
- 2009 research projects; Carbon accounting; Carbon footprint; Research instrument; Small to medium-sized enterprises; SMEs; Survey instrument; Survey questions; Swinburne Carbon Accounting course
- Publisher
- National Centre for Sustainability, Swinburne University of Technology
- Publisher URL
- Copyright
- Copyright © 2009 Scott McKenry. The survey questions are reproduced here with the kind permission of the author. For the full set of the research survey data please contact the National Centre for Sustainability via email (firstname.lastname@example.com).
- Additional information
- This research project was sponsored by Sensis., Climate change response research project, National Centre for Sustainability, Swinburne University of Technology
- Full text


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Karnes County is full of historic places designated in memory of events, subjects, people and places.
With over 25 historic markers in Karnes County which include all areas of the county, there are plenty of places for visitors and citizens to visit.
This does not include the many surveyed cemeteries throughtout the county.
Most of these can be viewed on the Atlas of the Texas Historical Commission website.
A Texas Historical Marker is a lasting reminder of a person, place, or subject.
There are questions which you may have regarding how to obtain one for someone or something in Karnes County.
All of the information will be available to the public free of charge at the Marker Workshop presented by the Texas Historical Commission on June 29 at 1:30 in the Joe Barnhart Bee County Library.
Refreshments will be served and the public is invited to attend free of charge.
We would like for everyone to join us with this unique and one time only experience.
Dr. Barbara May Welder, Chair Bee County Historical Commission


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The Board of Water Supply says crews have completed repairs to a 16-inch water main on McCully Street near Kapiolani Boulevard Friday.
Water service was restored to affected customers at noon.
However, road repairs are expected to go into Friday evening. The right westbound lane on Kapiolani Bouelvard between Pumehana Street and Wiliwili Street is closed as well as all lanes on McCully Street between Lime Street and Kapiolani Boulevard.
Honolulu police closed roads near McCully Street and Kapiolani Boulevard as water gushed out of the sidewalk Thursday afternoon at around 5:15 p.m.
Click here to watch Nana Ohkawa's live report from the scene at 6:30 p.m.
The intersection was closed during rush-hour traffic Thursday evening.
At 8:30 p.m. Thursday, crews shut down water to begin repairs to the main.
Two customers were without water, one condominium and one business. A water wagon was positioned fronting 620 McCully Street to provide water to the affected customers.


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The Walters Art Museum is open Thursdays until 9 p.m., Sponsored by BGE.
Date: Sunday, May 5, 2013–Monday, May 27, 2013
Time: 10:00 AM–03:00 PM
We will be stacking our art-making skills high this May as we explore just what it takes to build! Visit our Drop-in Art Activities each week to construct a different design element that helps our buildings look great and stand strong. Look through and open up your art to a world of architecture.


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We will be stripping to our skivvies and running around in the frigid temps this February, all in an effort to raise funds so kids like Jack Burke can grow up happy and healthy.
Jack is the kind of kid get that immediately becomes your best friend - such a character, full of life, a great big brother and just happy as can be.
...but Jack's journey is a tough one. He was diagnosed with neurofibromatosis (NF) at two years old and has a plexiform neurofibroma (a fairly complex tumor) in his left eye orbit. Just recently, in September 2013, they discovered a tumor on his brain stem that needs immediate intervention, so by the time you are reading this he will have started his 15 months of chemo.
For the millions of NF families around the world, we sincerely thank you for your help.
100% of donations go directly to the Children's Tumor Foundation, a 501(c)(3) non-profit organization rated 4-stars by Charity Navigator and priding itself on spending 82.4% of its revenue on program expenses and less than 8% on administrative costs.
Jamie Martel - $0
Hank Morse - $425
Lauren Beckham-Falcone - $25
PJ Eternal Intern - $175
Tom Doyle - $0


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Advocating for animals
MARTINSBURG – All creatures great and small were welcomed with open arms Sunday at Poor House Farm Park as Animal Advocates of West Virginia celebrated its third year of being a voice for animal advocacy and its recent legislative victories.
Animal Advocates of West Virginia (AAWV) is a grassroots work group founded in 2010 that is comprised of citizens of the Eastern Panhandle. The group seeks to identify issues affecting animals and to create solutions through education and advocacy.
"We, basically, are the voice for animals, and we want to teach the community about humane education, how to treat animals, about puppy mills, about horse abuse and any type of abuse. This is a big celebration. This is our third year in existence, and we have many local rescue groups here that the public can come and familiarize themselves with," Cheryl Durst, chair of AAWV's legislative committee, said.
Sunday's event in Martinsburg gave the public a chance to meet with several local animal welfare and rescue organizations and also featured educational displays, animal adoption information, legislative updates, a K9 rescue demonstration and an animal blessing performed by Rev. John Brooks.
"Animal Advocates of West Virginia is an all volunteer organization. We are strictly grassroots. We feel that we can be another voice for animals," said AAWV's volunteer event coordinator, Judy Boykin. "Today, truly, is a celebration. It's just a great time of the year and it's great to have this many organizations get together and exchange good ideas."
One of the biggest victories the local advocacy group celebrated Sunday was the successful passage of SB437, a commercial breeder bill meant to crack down on puppy mills. The bill will regulate those who own 11 or more dogs for the exclusive purpose of breeding and mandates humane living conditions.
The bill includes other new regulations, such as requiring commercial breeders to obtain an annual permit and business license. Commercial breeders will also be subject to inspections twice each year.
AAWV members also celebrated the passage of SB202, which establishes the West Virginia Spay Neuter Assistance Program and Fund. The fund will issue grants to non-profit spay and neuter programs statewide.
Both Senate Majority Leader John Unger, D-Berkeley/Jefferson, and Delegate John Overington, R-Berkeley, were presented awards Sunday by the AAWV for their leadership in supporting and helping pass animal welfare-related legislation.
"You can judge the strength of a community by how they treat its most vulnerable. If West Virginia can be judged in this way, then we are leading the charge. That's in a large part thanks to each and every one of you for supporting the animal welfare advocates and supporting our local animal societies and shelters. It's because of you we are leading the way," Unger, who was one of the sponsors of SB437, said.
Overington was instrumental in helping get the new puppy mill regulation bill passed in the House of Delegates. During his more than two decades as a delegate, he has been among the Legislature's strongest supporters and advocates of legislation regarding animal welfare.
"I just want to say this is an issue that goes back for me actually over 25 years," Overington said.
One of the first bills Overington passed increased maximum fines for animal cruelty offenses from $100 to $1,000. He also recently helped make dogfighting a felony offense in West Virginia, a state that previously was the only state east of the Mississippi River that still treated dogfighting as a misdemeanor.
Overington thanked members of the AAWV and Summer Wyatt, West Virgina's state director for the Humane Society of the United States, for their advocacy.
"I think all of us have a special place for cats and dogs in our lives. I've enjoyed working with you folks and especially appreciated having Summer Wyatt in Charleston firsthand to go out and to make sure that as many legislators were aware of the concerns about our four-legged friends," Overington said.
AAWV members also presented the Greensburg Go-Getters 4-H Club with a Youth Humane Commitment Award. Each year, AAWV recognizes youth in the community who are involved and concerned with animal welfare in some way.
For the past several years, the Greensburg Go-Getters have supported the Berkeley County Humane Society through beautification projects, and each year they hold benefits to support animal welfare in the community.
Two members of the 4-H group, 12-year-old Keegan Miller and 13-year-old Brian Swanson, later posed for pictures with Unger and Overington after accepting the award with other members of the club.
"It's an awesome experience," Swanson said.
– Staff writer Edward Marshall can be reached at 304-263-8931, ext. 182.


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Good morning and welcome to the Freedom New Mexico Friday briefing.
Bright lights in the big city
Registration is under way for the annual Clovis Christmas Light Parade.
This year's illuminating line-up gets started 6 p.m. Dec. 4.
Registration forms are now available at the chamber, 105 E. Grand, and Clovis MainStreet office, 621-A Main Street.
More info:


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Oh, Jonathan…I feel you man.
It wasn't too long ago when a star closer for the Padres blew a chance that would have sent them to the playoffs. Two chances, actually. It hurts. To have that huge hope that we're going to do this, we're going to get there, and our amazing closer is going out there to shut them down, and then, three hits later, it's all over. The hope is painfully dashed to the ground. Shock settles in. Tears fill your eyes. We had it. It was right there in our hands. We could feel it. It was there. We were one strike away.
It's hard. Pap's going to have to relive that moment for the rest of the postseason. He's going to go through a lot of guilt, a lot of regret. He's going to analyze those moments over and over again. So are the fans. It's heartbreaking, it really is.
Though I'm not as die-hard as I could be towards the Red Sox, I feel the pain. I was pulling for this team too. I don't know what went wrong, but there was definitely something not right with this team. They got swept in three games. That's not good. Not good at all.
One team rejoices as the other is filled with grief. One city is estatic while the other is quiet, sadly reflecting on the end of a season. One city looks forward to the next game, the next week, while the other looks forward to redemption, seemingly so far away.
It's not easy. But that's baseball: it was made to break your heart.
Here's hoping that all you Red Sox fans out there will see the hope of next year. Teams like the Padres live on "next year." Next year, is hope.
2 Comments
What a hearbreak for the Red Sox fans. What a time for Papelbon to blow a save. It is a sad time.
It was not the end we were hoping for. The Red Sox had a tough season – but they did us fans proud. Let the off-season madness begin! lol!


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The right to an employer who tells the truth and is transparent.
Real facts and accurate information free from pretense and deceit are the right of every sales professional. With success as the goal, it is without question that a sales professional deserves to be confident not only in the products offered but in the company represented.


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Zumanity by Cirque du Soleil ®
Zumanity by Cirque du Soleil ®
Zumanity, the Sensual Side of Cirque du Soleil, is a seductive twist on reality, making the provocative playful and the forbidden electrifying! Leave all inhibitions at the door and let loose as this adult-themed production takes you on a sexy thrill ride full of sensational acrobatics and naughty fun. Zumanity was created for adults 18 and over. A provocative cabaret-style production, ZUMANITY features outrageous humor, alluring acrobatics and intoxicating dance set to the pulse of intoxicating rhythms. Only at New York-New York Hotel and Casino in Las Vegas. Prices include 10% L.E.T.
Please contact Allegiant's Travel Experts with any questions.


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Moses' story fills tablet
Nov. 20, 2016
The first publicly accessible database of Nebraska campaign donations and spending, powered by data from the Nebraska Accountability and Disclosure Commission.
Browse a map of Douglas County restaurant inspections, updated November 2016. The map includes the county's rating and date of review for more than 2,500 local restaurants.
Search 120,871 payroll records from 29 public agencies in Nebraska.
Nov. 20, 2016
Oct. 25, 2016
Oct. 24, 2016
Oct. 24, 2016
Oct. 23, 2016
Everyone wants snow for the holidays. But how often has there been at least 1" on the ground for Christmas Day? (Answer: About a third of the time.)
Every game in Nebraska football history. See how NU stacks up all-time against every team, in every bowl game, in conference play, season openers and more.
Shareable bits of awesome from The World-Herald Sports department
Read and comment on an ongoing collection of documents in the news. Some documents contain annotations to explain complex language or add context.
A panel of sports experts selected the 100 greatest athletes in Nebraska history.
Map showing locations of recent homicides in Omaha, details about the crime and information about each victim.
A look at the points scored, awards earned, lists climbed and games played during Doug McDermott's Creighton career.
Preliminary Nebraska state assessment scores and Accountability for a Quality Education System, Today and Tomorrow ratings for each of the state's 1,130 public schools and 245 districts.
Tracking the latest crimes reported in your neighborhood so you can stay safe. Updated daily.
Check out Husker football rosters all the way back to 1984.
We're honoring troops killed in the Iraq and Afghanistan wars with this tribute that includes biographical information, photos and archived stories.
This database shows holes in one and course records officially reported by golf courses to The Omaha World-Herald. Recent holes in one are added as we get them, and we're combing the archives to add aces from the past.
Nearly 800,000 refugees have been resettled in the United States since 2002. Explore their countries of origin and see state-by-state data from the U.S Department of State Refugee Processing Center.
Every January, the Omaha World-Herald newsroom celebrates Pie Day. (Just what it sounds like.)
The Nebraska Department of Corrections miscalculated release dates for hundreds of inmates since 1995, resulting in prisoners being set free ahead of schedule.
A running total of payments from the Omaha Public Power District to Exelon Corp. to manage the Fort Calhoun Nuclear Station.
Results from Nebraska's 2014 general election.
Twenty-five Nebraska physicians received at least $1 million in Medicare payments in 2012, and a Hastings eye specialist took in nine times that amount, according to federal data. Find out how much your provider got paid.
Thousands of law enforcement agencies across the country receive surplus military equipment under the Pentagon's 1033 program. That includes 179 agencies in Nebraska and Iowa, which collectively hold 1,890 surplus items — including assault rifles, night vision sets and armored trucks.
Exploring the proposed boundary changes aimed at standardizing the size of Omaha's City Council districts.
Our growing home for historical information about past NCAA baseball championships, which have been played in Omaha since 1950. Read about every year, every team and every game played in the CWS.
Our database of Big Ten football recruits from 2002 to 2011. Sort and filter the map to show players from a specific team, recruiting class, state or hometown to see which areas and schools are hotbeds for football talent and which teams have recruited specific areas to their advantage.
Omaha World-Herald coverage of the candidates and issues of the 2016 election
More than 200 first-responder agencies represented at OPD Officer Kerrie Orozco's funeral.
The World-Herald broke down and charted all 480 of Doug McDermott's shots in the 2011-2012 season. Where did he score? How often did he use the backboard? Now you can find out.
Longreads, investigations and exclusive reporting from the Omaha World-Herald.
Aerial and before-after photos of damage in Pilger, Nebraska, after a deadly tornado hit the town in June 2014.
Daily scores and results from Nebraska high school sports.
Every gameday, the World-Herald picks the team with the upper hand and predicts the final outcome. In 2013, we invited fans to do the same.
Bios of nearly 1,000 Civil War veterans, compiled by Dean Podoll of La Vista, a National Guard veteran and retired nuclear engineer over the past 15 years.
Fifty staffers, from the university's top leadership down to assistant coaches, get their memberships to country clubs, golf clubs or health clubs paid for by the University of Nebraska Foundation. Eighty get cars, collectively valued at $2.25 million and ranging from economical sedans to luxury SUVs, donated through college-affiliated nonprofits. While a few staffers took one or the other, a majority of them get both.


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On Aug. 6, Goliad County Sheriff's Deputies were called to the Goliad Intermediate School gymnasium regarding a break-in. The investigation revealed the suspects pried open a small access panel that allowed them to enter a maintenance area beneath the south bleacher area of the gym. Once inside, the suspects found several cans of spray paint and used the paint to vandalize the underside of the bleachers.
The suspects also entered an adjacent maintenance room where they stole a pair of portable radios and charges. The radios are typically used by maintenance personnel keep in contact across the campus.
At no time did the suspects have access to the gym itself or the school.
Because of the nature of the vandalism and size of the access panel through which they gained entry, it is believed the suspects may be juveniles.
Anyone with information about who was responsible for this crime is asked to call Coastal Bend Crime Stoppers at 361-362-0206 or 1-877-362-0206.
All calls are anonymous and could earn a cash reward of up to $1,000.


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HIGHLIGHTS OF PORTUGAL (8D/7N)from €440
Tour Length:
8 days, 7 nights
Tour Themes:
When To Go:
All Year
This charming and intimate hotel was a 16th century olive oil mill for the neighboring convent. It is perfectly situated within the ancient walls surrounding the city of Évora. We have 20 rooms and 3 suites all with air-conditioning, marble bathrooms and flat screen cable tv's. We have free wireless internet throughout the hotel and a computer for guest use. Private parking is complementary. We also offer breakfast in bed and customized minibar.Our breakfast is served with organic or locally-grown products. In our inviting bar and courtyard you can enjoy a glass of regional wine and tapas.


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Weekend Bites: The 2014 Charleston Wine + Food Festival
It's that time of the year again: Time for the BB&T Charleston Wine + Food Festival! Each year, the culinary excellence and culture of Charleston is celebrated during a weekend-long festival around the city. The extensive guest list includes some of the most locally and nationally renowned chefs, personalities, authors, pitmasters, farmers, drink masters and more. This year, Every Day with Rachael Ray will be a media sponsor and host two culinary events: A Sandwich Showcase and At Home with Celebrity Tastemakers, where guests can meet the celebrity chefs and authors behind some of the year's hottest cookbooks, and sample some of their brand new recipes. As usual, our Editor-in-Chief, Lauren Purcell, will be attending the events, so be sure to check out her coverage on her Twitter and Instagram.
Will you be in Charleston over the weekend? You can still attend the events! Click here to buy tickets for the Sandwich Showcase and here to buy tickets for the Celebrity Tastemakers event.
And just to get you excited, here are a few of Lauren's pics from last year's festival!
Related Links
Burger Battle Roayle: The Best of the Southeast
Categories: Every Day Scoop, Food, Travel | Tags: charleston, charleston wine + food festival, food festival, Instagram, Lauren Purcell
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ARTFL (American and French Research on the Treasury of French Language) provides full text searching of over 2000 French language texts in literature, philosophy, and arts and sciences. Sources date from the 13th to the 20th centuries. Searching must be performed in French. Several searches are possible, such as in single works, in multiple works by one author, in works from a specific time period, or in the entire database. || At present the corpus consists of nearly 2000 texts, ranging from classic works of French literature to various kinds of non-fiction prose and technical writing. The eighteenth, nineteenth and twentieth centuries are about equally represented, with a smaller selection of seventeenth century texts as well as some medieval and Renaissance texts.
Miami University has a long and proud tradition of student involvement in both radio and television productions. This exhibit will celebrate five decades of students in broadcasting. Many of these productions can be found online in the WMUB Archives. For questions about the exhibit, contact Marcus Ladd at firstname.lastname@example.com or (513) 529-0462.
More Options:
Classic Catalog |
OhioLINK |
Online Journals/Resources |
Lane Public |
WorldCat |
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Research by Subject |
Databases A-Z
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OhioLINK Home |
OhioLINK Catalog |
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Miami University Directory
Staff Spotlight—Thom Gerrish
New in November: Leisure Reading
ALA President Dr. Julie Todaro Releases Statement on Libraries, the Association, Diversity and Inclusion
Leonard Cohen (1934-2016): playlist and notable resources


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About the survey
These pages are your source for Minnesota-specific information to help you complete and submit your response to the Bureau of Labor Statistics (BLS) Survey of Occupational Injuries and Illnesses (SOII). If you've been directed to this page, one or more of the establishments for your company have been selected to participate in the survey to help the Minnesota Department of Labor and Industry obtain a complete and accurate representation of work-related injuries and illnesses in Minnesota's workplaces. Your information will also be used to compute the national estimates of work-related injuries and illnesses.
The SOII is a mandatory survey. If your establishment has been selected to participate, you are required by law to provide the requested information. Federal law prohibits BLS from sharing the SOII data with OSHA.
These Web pages are intended to help you complete your survey form, find additional information about the survey and review results from the most recently published survey. If you cannot find the information you need about the SOII on this page or from the links provided, contact us.
In Minnesota, the SOII is a cooperative effort between the U.S. Department of Labor's Bureau of Labor Statistics and the Minnesota Department of Labor and Industry (DLI). The SOII survey team is part of the DLI Research and Statistics unit; it is not part of Minnesota OSHA.
Types of survey participants
In any given year, there are two sets of survey participants.
Companies that have received notice to provide information about occupational injuries and illnesses from the previous calendar-year. The statistics computed from the submissions are published in the fall of the year they are collected.
Companies that have been notified that occupational injury and illness information will be collected at the end of the next calendar-year.
Learn why your participation makes a difference.
|Web pages with information relevant to both sets of participants
|How to be an exemplary survey participant -- important tips for preparing the OSHA log and completing an error-free survey response
|BLS SOII survey respondent page -- assists survey respondents, explains survey purposes
|OSHA recordkeeping assistance -- OSHA forms, articles to help keep accurate records
|Minnesota results from previous years' surveys -- tables, charts to compare industry results
|Annual Minnesota Workplace Safety Report -- compilation of latest survey results, showing trends; includes statistics about occupational fatalities and Minnesota OSHA programs
|Injuries, illnesses and fatalities (BLS survey results) -- access to results from annual surveys, tools for calculating rates and creating custom-made tables
|BLS handbook of methods, chapter nine, Occupational safety and health statistics -- detailed information about how the SOII is conducted, how cases are coded, how estimates are computed


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Important Registration Information for New Students
Prior to registering for class, new students must first complete the following:
Click here for more information.
Important for LCCC College Credit Plus (formerly PSEO) Students
College Credit Plus students at Lorain County Community College are expected to read and know their responsibilities as part of the College Credit Plus program. This information for College Credit Plus students is found online at: www.lorainccc.edu/ccp
Welcome and Congratulations for choosing Lorain County Community College.
The New Student Orientation will help you get a strong start in college. Please make sure you arrive a few minutes early to your orientation session for check in.
These sessions will address:
Click here to preview the online New Student Orientation. Please note: this link is a preview. To receive credit for participating in the orientation, online students MUST first log into their MyCampus account. See login instructions below.
The New Student Orientation is also offered with additional information for students who are military veterans. These sessions also include an overview of VA benefits, LCCC's VA procedures and tips to help veterans be successful in college.
Click here for dates and registration information.
Please complete the following steps prior to attending orientation:
If you need special accommodations, please contact Janet Asche at 440-366-4124 for requests for specific accommodations to be received during the LCCC New Student Orientation session. (Please allow for a week to process.)
If you need ongoing accommodations during the course of educational career at Lorain County Community College, please contact our Disability Services office at 440-366-4058 or email firstname.lastname@example.com.


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Food for Thought?
By Health Day
Many of us make sure fish, nuts and other foods rich in Omega-3s are part of our diets. Studies have been published suggesting they support an aging brain.
But now, there's some news to the contrary.
A brand new study, just published in the journal Neurology, finds that Omega-3's may not provide a protective effect in older women.
The study involved more than 22-hundred women, 65 to 80 years old ... who were given annual memory and thinking tests over the course of six years.
Blood tests were taken to measure the amount of omega-3s in the participants' blood before the start of the study.
Researchers found no difference between the women with high and low levels of omega-3s in the blood at the time of the first memory tests.
There was also no difference between the two groups in how fast their thinking skills declined over time.
Despite these findings, the researchers do not recommend people change their eating habits. They say omega-3s continue to be studied for their potential heart, blood vessel and brain benefits.
I'm Dr. Cindy Haines of HealthDay TV with the health news that matters to you.
Most Popular
Monday, December 5, 2016, Watertown, NY


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"I started listening to Catholic Answers Live when I was struck down by an illness that basically left me bedridden. This left me questioning my faith and mortality, and my son introduced the Catholic Answers Live podcast to me. Listening to all the guests explain and defend the Catholic Faith has been instrumental. Has Catholic Answers made a difference in my life? It has become part of my life!"
~ Robyn, Australia
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"Lord, show me Thy ways."
~ Thaddaeus Daly, O.S.F., who was hanged, drawn, and quartered at Limerick, 1 January, 1579; witnesses report that his head when cut off distinctly uttered these words.


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Used Hummer cars for sale in Inverkeithing
We currently have 0 used Hummer cars available in Inverkeithing. With the widest range of private and trade Hummer cars available in Inverkeithing, you have access to the biggest choice and the best prices.
Feel free to browse our selected vehicles, further refine your search, and find your perfect car.
Latest second hand Hummer cars for sale in Inverkeithing
Sorry, it looks like we have no used Hummer cars available in Inverkeithing
However we currently have: 1 Used Hummer car available in Scotland on Auto Trader
Selection of the latest second hand Hummer cars for sale in Scotland
|Showing 1 result
Hummer H3 3.7 Luxury 5dr
2007 (57 reg) SUV
ONE OWNER FROM NEW, FULL HISTORY WITH 9 STAMPS IN BOOK, EXCELLENT EXAMPLE MUST BE SEEN AND DRIVEN, PRICE INCLUDES, MOT AND SERVICE, , CD Player with MP3 Playback. GREY, . DRIVE THIS …


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Pieced Stripe Ponte Skirt
Style: 570096962
Out of Stock
Kelly green pencil skirt tailored with pieced stripes in neutral tones.
- Sits below the waist.
- Hidden side zip with hook-and-eye closure.
- Lightly lined.
- 70% Viscose, 25% Nylon, 5% Spandex. Hand wash. Imported.
- Length: 20".
Read more… Read less…


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So nice to have all this support
It's been 11 days since I've endeavored to relactate. I stopped eating oatmeal, and it doesn't seem to be affecting anything (yay I hate oatmeal!). I'm still mostly pumping. I nurse him first thing in the morning, and then he sleeps for a long time. The rest of the day, I pump, and get 2-4 oz. everytime. I've been trying to pump every two hours, and once or twice through the night. So far, we've only had to supplement one or two bottles of formula throughout the day, so we're getting close to our goal!!!!
He's officially a month old now! His dirty diapers (we switched to cloth) have been less thick and smelly like formula dirties and more yellow and watery like bm dirties. And I'm closer to my 6-weeks PP date, so that I can start exercising again. I lost twenty pounds, but gained another 5 back! I guess with breastfeeding, I still give myself the excuse of "eating for two" lol.


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Primary tabs
Sat Oct 5
7:30 am to 2:00 pmAcademic Success Center
To sign up for ACT Tests please contact the Student Affairs Office.
10:00 am to 2:00 pmParking Lot - Front Half
We will take almost anything that plugs in, including computers, printers, laptops, stereo equipment, cell phones, microwaves, large household appliances and more!
Refrigerators, freezers,...


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Relative Portfolio Returns Influence Happiness
Whether an investor is happy or unhappy with his performance is significantly influenced by how his portfolio performs relative to the market. Investors are likely to be happy even if they lose money as long as their portfolio declines by a smaller magnitude than the broad market. Conversely, the proportion of investors likely to be unhappy rises during periods of strong market returns.
This conclusion is based on a study of British individual investors. Over 600 self-directed investors at Barclays Stockbrokers were surveyed during the period of September 2008 through September 2010. Respondents had a median age of 53 and median wealth of approximately $252,000. Answers were compared against actual returns.
The average threshold for anticipated happiness was a three-month gain of 5.4%. The average threshold for anticipated unhappiness was a three-month decline of 0.2%. Expectations for the level of returns that would lead to happiness did not alter much after the initial quarterly survey period, even though the FTSE All-Share Index (benchmark for the UK equity market) rebounded strongly from the financial crisis. Individual thresholds varied greatly; some respondents were happy even with a modestly negative return, while others required returns in excess of 20%. A strong positive relationship existed between return expectations and the minimum return an investor would be happy with.
Investors responded to returns more strongly when they actively traded than when they followed a buy-and-hold strategy, used index funds or employed an adviser or money manager. Long-term investors were happy with "much lower returns" over a three-month period than active traders were. Similarly, older, richer and more financially literate investors were happy with comparatively lower levels of returns. The study's authors theorized that higher happiness thresholds may explain why poorer and financially illiterate investors are more likely to buy "lottery stocks or take high idiosyncratic (individual) risk."
Risk tolerances and confidence also played a role. Risk-averse investors were happier with lower levels of return. Curiously, investors with lower levels of confidence set higher thresholds for happiness. The authors think this could suggest that either confident investors are more skillful and set more realistic expectations or that confidence promotes the ability to be comfortable with a lower level of returns.
Source: "Investor Happiness," Christoph Merkle, Daniel Egan and Greg B. Davies, SSRN, January 2014.
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"Your radio show changed my life. As a result of listening, I converted to Catholicism at 53 years old. I was a very active Protestant my whole life before becoming a Catholic. Keep up the terrific work!"
"Since He Himself has declared and said of the bread: This is My Body, who shall dare to doubt any more?"