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An In-Depth Look at the Tax Consequences of Asset Location
by Kevin Trout
Asset location refers to where an investment asset is held: in a tax-deferred retirement account (e.g., an IRA) or in a taxable account. By fine-tuning asset location, investors can improve their aftertax return on their overall investment portfolio.
Articles on asset location cannot definitively rank the type of investments to place in a tax-deferred account because such a ranking depends on changeable factors: return parameters that are constantly in flux in the economy; tax rates, which change with the political environment and investors' income level; and investment holding periods, which are specific to the investor. This article summarizes the general information on asset location and gives investors access to a model that can help refine asset location decisions to take their own unique situation into account.
In this article
- Overview of Asset Location
- Tax Deferral: A Large Benefit of Investing in a Tax-Deferred Account
- The Model
- Effect of Tax Rate Increases
- Asset Location Dos and Don'ts
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Overview of Asset Location
Investors maintaining the same asset allocation in their taxable and tax-deferred retirement accounts are not receiving maximum benefit from their tax-deferred accounts. Investors should place the investments in the tax-deferred accounts that will provide the greatest benefit. The benefit of placing an investment in a tax-deferred account can be measured by the increase in the annualized aftertax rate of return.
General Guidelines
There are four general factors that indicate an investment is favorable for placement in a tax-deferred retirement account.
1. The investment is qualified to be placed in a tax-deferred retirement account. Not all investments are allowed in tax-deferred accounts. For instance, the tax code prohibits most collectibles from being held in an IRA. Exceptions to this rule allow certain U.S. gold and silver coins issued after 1986 as well as silver, platinum and palladium bullion to be placed in an IRA.
2. The investment's returns are frequently subject to inclusion in taxable income when held in a taxable account. Either the returns are periodic, current income such as interest or dividends, or the investor anticipates a short holding period before the investment is sold and gains are recognized.
3. The investment returns are taxed at the high ordinary income tax rate, not a preferential, lower rate such as the 15% rate on qualified dividends and long-term capital gains applicable to many individuals.
4. The investment has a relatively high rate of return. The more return an investment generates when held in a taxable account, everything else equal, the greater the tax liability.
Specific Advice
1. Original issue discount (OID) bonds, especially zero-coupon bonds, should be held in a tax-deferred account. The tax law requires taxpayers to impute interest on OID bonds and pay income tax on the imputed interest each year, despite not actually receiving cash for the imputed interest until the bond is sold or matures. On OID bonds, the taxpayer must pay tax on interest not received. This creates a negative deferral of tax, lowering the aftertax rate of return of OID bonds below similar-yielding non-OID bonds.
2. Appreciating "estate" assets with little or no current return, which are planned to be left to heirs, such as collectibles, real estate or land, should not be placed in a tax-deferred account. Income tax on the assets' appreciation can be avoided through the step-up in basis, if transferred at death.
3. Tax-exempt municipal bonds should not be held in a tax-deferred account because the investor ends up paying tax twice. The reduced interest these bonds pay compared to similar-risk taxable bonds is considered an implicit tax. (An implicit tax is the lower return received on a tax-preferred investment because investors bid up the prices due to the reduced tax, lowering the pretax return below similar tax-neutral investments.) The explicit tax is paid when distributions are made from a tax-deferred investment vehicle; the distribution would be taxed at the ordinary tax rate.
4. Collectibles should generally not be placed in a tax-deferred account. First, many collectibles are prohibited from being held in tax-deferred accounts. Second, collectibles allowed by law to be in a tax-deferred account typically generate no current income and therefore allow for tax-deferral of any appreciation until sold.
The general guidelines and specific advice are helpful, but certain asset location decisions remain unclear. For instance, what happens when an investor is deciding between placing a stock or a bond in the tax-deferred account? The investor expects a higher rate of return on the stock, but the bond has more current income taxed at ordinary tax rates. In this case, the best asset to be placed in the tax-deferred account depends upon the expected return parameters of the stock and bond, the expected holding period of the stock and the personal tax rates applicable to the investor. In order to measure these seemingly ambiguous situations, a model has been developed and is available here.
Tax Deferral: A Large Benefit of Investing in a Tax-Deferred Account
The deferral of tax is a primary advantage of investing in a tax-deferred account. The longer the payment of the tax on an investment is deferred, the higher the aftertax return. The increased return occurs because the investor continues to earn a return on funds that would have been paid in taxes if the same investment had been held in a taxable account. In a taxable account, the tax law generally allows an investor to defer the tax on an asset's appreciation until the asset is sold. For instance, with common stock, any appreciation of the stock is not taxed until the stock is sold. Table 1 shows the impact of a lengthening deferral period on an asset appreciating 10% per year when held in a taxable account at a tax rate of 15%. As the deferral period lengthens, the aftertax return increases, reducing the benefit received by placing the investment in a tax-deferred account.
As the deferral period increases, the aftertax rate of return approaches the pretax rate of return. At the extreme, if an investor holds an appreciating asset to the end of her life, then passes the investment to heirs, the heirs receive a step-up in basis equal to fair market value at the time of death. If the asset was sold immediately after inherited, there would be no income tax. In this situation, investor's aftertax return equals the pretax rate of return.
|Deferral Period
Rate of Return*
Rate of Return*
|in Years
|Until Death
|of Owner
|*Assumes 10% annual appreciation and a 15% tax rate.
The Model
The model computes the annualized aftertax rate of return of investments if held in a taxable account and three different types of tax-deferred accounts. The model requires estimates of returns on the investment, the expected holding period, the time until the investment would be liquidated to make retirement distributions and the investor's expected tax rates. To compute the aftertax annualized rates of return, some simplifying assumptions were required. First, each asset is assumed to generate constant annual returns from current income and/or capital appreciation. Such returns are measured as percentage yields, or the return divided by the investment's value. Second, interim cash flows generated by the investment are assumed to be reinvested in a similar asset with the same return and tax parameters. Tax rates are expected to be constant throughout the investment period, but the investor's expected ordinary tax rate applicable for distributions from tax-deferred accounts in retirement is not assumed to be the same rate. Tax-deferred accounts come in three varieties: deductible/excludible tax-deferred accounts (like the traditional IRA and 401(k) retirement plan), the Roth IRA or 401(k), and the non-deductible IRA. The model calculates annualized aftertax returns for each of the three tax-deferred account varieties.
Effect of Tax Rate Increases
Asset location is even more important now due to the new maximum dividend and long-term capital gains tax rates of 20% and the new 3.8% health care surtax on investment income for those with net investment income and modified adjusted gross income over $200,000 for single taxpayers and $250,000 for married couples filing jointly. See Table 2 for the maximum tax rates in 2013.
|Tax Rate*
|Type of Income
|Ordinary Income
|Interest Income
|Qualified Dividend Rate
|Ordinary Dividend Rate
|Long-Term Capital Gains Rate
|Short-Term Capital Gains Rate
|*Includes 3.8% health care surtax on investment income.
Assume an investor holds two investments in both a taxable account and a deductible/excludible tax-deferred account, such as a traditional deductible IRA or 401(k) retirement plan. The first asset is a bond paying 4% interest, selling at face value. The second investment is a stock with a projected 4% dividend yield, expected to realize 6% annual appreciation and intended to be held for 10 years. The investor has estimated it will be 30 years until the assets will be distributed from the retirement account.
Table 3 shows the annualized rate of return for the bond and the stock at the maximum tax rates effective this year. Using the new maximum tax rates for 2013, placing the stock in the tax-deferred account results in a 2.12% increased return, which exceeds the bond's 1.74% differential. The stock should be the asset placed in the tax-deferred account because the investor realizes a larger increase in aftertax rate of return on the stock. In this case, the substantially higher expected total return on the stock more than offsets the fact that bond interest is taxed annually at ordinary tax rates.
|Annualized Rate of Return (%)
|Bond (4% Coupon)
|High-Dividend Stock (4% Dividend Yield, 6% Annual Appreciation)
Impact of Higher Tax Rates
The new maximum tax bracket and new net investment income surcharge make it important to reassess your asset location decisions. For instance, bonds traditionally have been a better asset than stocks to place in a tax-deferred account because the interest is taxed annually at the ordinary tax rate. However, given the current low yield on bonds, and higher tax rates for some investors on dividends and capital gains, investors may find it preferable to place high-dividend stocks in a tax-deferred account instead of low-yielding bonds.
The benefit of placing an asset in a tax-deferred account increases with the higher tax rates and the investment income surcharge. The 3.8% surcharge on investment income is not applicable to distributions from these retirement accounts. With higher tax rates, even non-deductible IRA contributions become more attractive relative to taxable accounts, especially for those subject to the new surcharge.
Asset Location Dos and Don'ts
- Do maximize 401(k) and IRA investments.
- Do put original issue-discount (OID) bonds in a tax-deferred retirement account.
- Don't put municipal bonds in tax-deferred accounts.
- Don't put "estate assets"—assets with little or no current income, expected to be left to heirs—in a tax-deferred account. Let heirs receive a stepped-up basis by bequeathing the asset to them in your will.
Gerald Lanois from FL posted over 3 years ago:
This article is not very useful, as the Author unfortunately overlooks important details, as to the advantages/perils of other various investment types, being held in taxable, or tax defered accts, notwithstanding dividend/growth earnings!
IE MLPS, various Prefereds, C corps, royalty trusts, CEFS, options,CDS, etc
Bob Edds from OH posted over 3 years ago:
Useful up to a point but much remains unsaid. Needs to include Roth IRAs. This topic begs for a great graphic that communicates what many paragraphs of text are trying to do.
Carl Birx from NY posted over 3 years ago:
These comparisons always make the same error in that they compare equal investment amounts. If I earn $10,000 and place it in my 401k I place all $10k in. If I earn $10k and invest it after taxes I haven't invested $10k, more like $7k after taxes. You have to take into account the taxes paid before the investment is made as well as the taxes afterwards.
Dan from CT posted over 3 years ago:
It would be helpful if the spreadsheet weren't protected. Not only is it protected by it also requires a password in order to remove the protection. How are you supposed to modify the tax rates to conform to your own situation?
John Scully from CA posted over 3 years ago:
ditto on the comments by Gerald Lanois.
Robert Trout from IA posted over 3 years ago:
Dan - the spreadsheet is protected so users don't inadvertantly override the formulas. But as shown in the tab "How to use the model" the cells filled with a yellow background can still be changed. So you can enter your own tax rates in the yellow cells marked "tax rate input".
Hope that helps.
Kevin Trout
Robert Trout from IA posted over 3 years ago:
Carl - If you notice in the spreadsheet the formula for the after tax rate of return includes a gross up for the tax deduction on the Traditional IRA/401k. So the model does indeed does take into consideration the deduction or exclusion of those investments vehicles.
Kevin Trout
David Bertholf from FL posted over 3 years ago:
There are so many potential variables that it would be very difficult to address them all in an article of this length. I thought it did a good job as a general look. My one recommendation would be to change the title to A General Look at... vice An In-Depth Look at...
Toan Nguyen from CA posted over 3 years ago:
Like many retirees, I no longer work and will not have real wages in 2013. Will you please let me know the tax rates for withdrawals from IRA and dividends from stocks, assuming that my IRA withdrawal will be less than $150,000 and my dividends will total less than $80,000 for 2013. Thanks.
Charles Rotblut from IL posted over 3 years ago:
Hi Toan,
The 2013 tax rates can be found here:
You will pay ordinary income tax rates on your withdrawals and the reduced dividend tax rate on qualified dividends.
M. A. from MN posted over 3 years ago:
A graphic can be found in this article: www.kitces.com/blog/archives/479-Asset-Location-The-New-Wealth-Management-Value-Add-For-Optimal-Portfolio-Design.html?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KitcesNerdsEyeView+%28kitces.com+%7C+Nerd%27s+Eye+View%29&utm_content=Yahoo%21+Mail
Mike from TX posted over 2 years ago:
Many of these articles do not take into account the tax rate that a retiree may be in when RMD's begin. As we all know, RMD's are taxed as ordinary income. So if a person is in a high tax bracket during the RMD era many of the advantages attributed to tax-deferred assets are negated. If the tax-deferred assets are large enough you may be forced into a higher tax bracket than if you had kept the same assets in a taxable account. Any increase in returns is wiped out by the taxes due.
Stephen S from PA posted over 2 years ago:
Is there any strategy in withdrawing from tax-deferred accounts before RMDs are required so as to spread out, and thus reduce the yearly, withdrawals?
Charles Rotblut from IL posted over 2 years ago:
Any money you withdraw from a traditional IRA (or similar type of tax-deferred retirement account) will trigger capital gains taxes.
If you convert your IRA to a Roth IRA, you will avoid having to take RMDs, but you will pay taxes at the time of the conversion.
R Dill from WY posted about 1 year ago:
I'm confused by your answer to Steven above On IRA withdrawals. You make is sound like they can be taxed at L-Term Cap gains rates buy just withdrawing them early. Is that true??
Charles Rotblut from IL posted about 1 year ago:
That was a typo on my part. It should have said will trigger income taxes. The withdrawals will be taxed at the marginal tax rate.
Dave Gilmer from WA posted 6 months ago:
The article did not make it clear and there seems to be some confusion among the comments but in the case of any differences between tax-free accounts (Roth) and tax-deferred accounts (IRA, no non-deductible $) there is no difference if you hold tax rates equal (in & out) over time for these accounts.
In other words it does not matter what you put in the Roth or IRA (as long as it's legal) or what rates of return the investment gets, if you swap the investments between accounts your final outcome will be exactly the same amount of money, provided you started with equivalent pre-tax money. For example for a 25% tax rate that would mean starting with $7500 in the Roth and $10,000 in the IRA.
Many people think they want investments with the greater return in the Roth over the IRA. This is just not true if you do the real math.


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Articles 2
Behind The Scenes Of The Iraq War
The plan for the Iraq war, which has erupted in the face of opposition from the entire world, was drawn up at least decades ago, by Israeli strategists. In its attempt to realize its strategy of destablizing or dividing the Middle Eastern Arab states, Israel has Egypt, Syria, Iran and Saudi Arabia on its list of subsequent targets.
On 19 March, 2003, the United States of America begun striking at Iraq. Despite the fact that most countries of the world, and even the majority of the USA's allies, opposed it, the US administration was determined for the strike to go ahead. When we look behind the scenes of this insistence, it is Israel, solely responsible for the bloodshed and suffering in the Middle East since the beginning of the twentieth century, which emerges. The state of Israel's policy aimed at the fragmentation of Iraq has lengthy historical roots…
Israel's Plans To Divide Iraq
The report titled "A Strategy for Israel in the Nineteen Eighties," by the Department of Information's Hebrew-language magazine Kivunim (Directions), aimed at making the whole of the Middle East a living space for Israel. The report, drawn up by Oded Yinon, an Israeli journalist and formerly attached to the Foreign Ministry of Israel, set out the scenario of the "division of Iraq" in these terms:
We believe there is little need to recall how this scenario was partially implemented after the 1991 Gulf War, with Iraq being effectively, if not officially, divided into three parts. The fact that the US plan for the occupation of Iraq could again spark off such a division, is a concrete threat.
Israel's Role In The Gulf War
The implementation of the Israeli strategy goes back to 1990. Saddam Hussein invaded Kuwait in a sudden attack on August 1, 1990, giving rise to an international crisis. Israel headed the list of those forces which encouraged that crisis. Israel was the fiercest supporter of the attitude adopted by the United States in the wake of the invasion of Kuwait. The Israelis even regarded the United States as moderate, and wanted a harsher policy. To such an extent in fact that the President of Israel Chaim Herzog recommended that the American use nuclear weapons. On the other hand, the Israeli lobby in the United States was working to bring about a wide-ranging attack on Iraq.
This whole situation encouraged the idea in the United States that the attack against Iraq under consideration was actually planned in Israel's interests. The well-known commentator Pat Buchanan summarized this idea in the words, "There are only two groups that are beating the drums for war in the Middle East—the Israeli Defense Ministry and its amen corner in the United States."1
Israel had also initiated a serious propaganda campaign on the issue. Since this campaign was largely waged in secret, Mossad also entered the equation. Former Mossad agent Victor Ostrovsky provides important information on this subject. According to Ostrovsky, Israel had wanted to wage war with the United States against Saddam long before the Gulf crisis. So much so in fact, that Israel began to implement the plan immediately after the Iran-Iraq war. Ostrovsky reports that Mossad's Psychological Warfare department (LAP—LohAma Psicologit) set about an effective campaign using disinformation techniques. This campaign was aimed at representing Saddam as a bloody dictator and a threat to world peace.2
A Mossad Agent Describes

subset: commoncrawl


text:
A post that Dartmouth students now call the "rape guide," leads to a freshman girl's sexual assault.
Dartmouth freshman assaulted after 'rape guide' posted online
Published On: Mar 04 2014 07:11:59 AM HST Updated On: Apr 30 2014 09:04:10 AM HST
The views expressed are not those of this site, this station or its affiliated companies. By posting your comments you agree to accept our terms of use.blog comments powered by Disqus


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Meeting Minutes - January 9, 2003
Attending: Don Bantz, Petra Carver, Art Costantino, Ann Daley, Debbie Garrington, Sharon Harrison, Kathy Hogan, Anna Kircher, Frank McGovern, Enrique Riveros-Schafer, Mike Segawa, Steve Trotter, Bill Zaugg
1) Reminders
a) Deadline for submitting ideas to the web site is 1/24
b) A reminder of that deadline will be emailed 1/17
c) A community forum about the ideas will be 1/27 at 3pm in L3500
2) Capturing ideas generated before the web site went live
a) Forward to Anna any of these ideas and she will have them posted
b) Don will talk with Sonja about ideas from the Faculty Retrea
3) Community forum planning
a) A list of ideas for immediate feedback/exploration will be developed
b) All ideas submitted will be kept on a larger list
c) Don and Frank will facilitate the forum
4) Upcoming Financial Futures meetings
a) 1/14 at 4:30pm and 1/21
b) Ideas submitted to date will be discussed
5) Continuing Education proposal
a) Don presented a proposal to begin a market/business analysis plan
b) The proposal also included descriptions of an internal business analysis process and pilot program for Summer, 2003.
c) The group supported the proposal and the next step of a presentation to the Senior Staff.
d) The group did ask that any pilot program recommendations come back to Financial Futures prior to implementation.
e) Funding for this proposal ($85,000 approved by the VPs in December, 2001) would come from the Academic division reserves.
6) Telemarketing System
a) College Advancement staff presented a proposal to purchase a telemarketing system
b) This system would enable more alumni to be contacted and reduce paperwork.
c) Potentially there are 25,000 alumni but we are only able to reach about 3000 presently.
d) There are also potential uses for institutional research, recruitment and ticket sales purposes if additional modules were purchased.
e) The purchase price is estimated to be $84,000 with an additional $10,600 in maintenance/license fees in subsequent years.
f) COP funding is being explored.
g) The use of general state funds for Foundation purchases is also being researched.
h) There may be some internal College Advancement funds available.
i) Research will be done to ascertain what experiences other institutions have had with installation of telemarketing systems and how much increase in Annual Fund contributions we might expect.
j) This proposal will be considered along with the other ideas submitted between now and 1/24.
7) Donor Market Assessment
a) College Advancement staff presented a proposal to conduct a Donor Market Assessment.
b) There is a need to know more about potential donors.
c) The cost range of this assessment is $10,000-50,000.
d) This proposal will be considered along with the other ideas submitted between now and 1/24.
e) A skeleton description of an overall fundraising campaign will also be provided with this proposal.


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The FAFSA (Free Application for Federal Student Aid) must be filled out by anyone seeking financial aid for post-secondary education, whether academic or technological. All JHS students and their parents are invited to attend.
CBC's financial aid director and staff will be on hand to discuss and clarify the application process. The online FAFSA may be completed at this time. Please bring the following documents to FAFSA night if they apply to you:
• Your Social Security card. It is important that you enter your Social Security Number correctly.
• Your driver's license (if any)
• Your 2012 W-2 forms and other records of money earned
• Your (and if married, your spouse's) 2012 Federal Income Tax Return IRS 1040, 1040A, 1040 EZ
• Your parents' 2012 federal income tax return (if you are a dependent student)
• Your 2012 untaxed income records
• Your current business and investment mortgage information, business and farm records, stock, bond and other investment records
• Your alien registration or permanent resident card (if you are not a U.S. citizen)
If you do not have a PIN number, you may apply for one on www.pin.ed.gov. If you have any questions regarding FAFSA night, call the Barnhart office at 358-0413.


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Welcome to the CRG Discussion Forum!Forum registration problems: Make sure you enter your email correctly and you check your spam box first. *Then* email KurtS2@gmail for help.
smkz28, thanks for the pics of the 68 camaro pace car at mid-ohio. the link also has a lot of other neat shots from other trans-am & can-am races. bit mixed up, so one has to scroll through them. mike in canada


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Learning Center Search Results
Showing 21-22 of 22 results
The first step in discovering your story is reaching out to parents, grandparents—any relative that can share stories, photos, or other information with you. Using the FamilySearch Photos and Stories, you can capture, preserve, and share what you find. As you do, you will find yourself on the path to discovering your own story.
Step three is to grow your family tree by searching historical records on FamilySearch.org. Your ancestors' everyday milestones and experiences—like birth, marriage, and death—often created historical records that have been indexed and made searchable online. Use Search to find more details about the people in your family story.


text: so...i have to go in for a colonoscopy this week i will be given Versed, Fentanyl, and Propofol. Does anyone know if it will be okay to nurse after the procedure? i asked the doc and they said it should be okay and i'm waiting to hear back from the pediatrician, just to be sure. i figured it wouldn't hurt to check with you ladies, and see if anyone has had experience with this and what you did. i have a freezer full of milk, so it's not a problem if i shouldn't/can't nurse for 12-24hrs or something. should i pump & dump?


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At GuestStream, communication with our clients is at the core of our business model. We provide a more cost effective approach and a higher level of quality by focusing on communication, transparency, service, and most importantly, ROI. However, we have our own definition of ROI.
Vacation Rental Marketing with a Focus on ROI – Results Oriented Internet Marketing
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Chasing the Sun: a 24/7 chat service by medical librarians for health professionals
The Chasing the Sun service enables health professionals to contact a medical librarian whenever help is required in using information resources after normal library hours. Although most hospital-based health professionals have 24/7 online access to a collection of bibliographic databases and full text products via their library services, but sometimes expert help is needed to use the resources or to perform a search outside of normal business hours.
This event has passed.
Chasing the Sun was started by medical librarians in Australia and England to take advantage of global time differences and offer out-of-hours librarian support for health professionals, in a cost-effective way. Join Mary Peterson, SA (South Australia) Health Library Network Knowledge Manager to find out more ... and, if you are a medical librarian, how your library can join this global cooperative group!
Please note that the session will be held at 10:00PM AEST – Australian Eastern Standard Time.
A recording will be made available after the event.
02 July 2013
Eastern Daylight Time, North America [UTC -4]


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I say a knicks/celtics matchup will be televised on national TV
[Only registered and activated users can see links. ]
Finally the wait is over.Because of the Kevin Garnett trade, the league pulled back the national television schedule, presumably to bump up the national exposure for the reconstituted Celtics.
The finalized schedule is now slated for release Thursday morning.
I say a knicks/celtics matchup will be televised on national TV
Where there is hope, there can be faith
Where there is faith, miracles can occur
i think this year the knicks deserve a televised game cuz they are exciting to watch, never lose hope when down double digits, hopefully they dont get a tough scedule in the beginning of the year because i dont wanna see all the anti isiah start hating as soon as the knicks go on a 3 game losing streak
1st game is on the road against the CAvs - then a 4 game stand @ home.
No national TV again for the knicks
Some on ESPN and NBA TV but that's it.
Where there is hope, there can be faith
Where there is faith, miracles can occur
Knicks will also play Boston on November 29th on TNT
where are you guys seeing the schedule i tried nba, espn, knicks.com...where is it???
@ Cleveland 7:30pm -- --
Sun 4 Minnesota 6:00pm -- --
Tue 6 Denver 7:30pm -- NBATV
Fri 9 Orlando 7:30pm -- --
Sun 11 Miami 6:00pm -- --
Tue 13 @ Phoenix 9:00pm -- --
Wed 14 @ L.A. Clippers 10:30pm -- --
Fri 16 @ Sacramento 10:00pm -- --
Sat 17 @ Denver 9:00pm -- --
Tue 20 Golden State 7:30pm -- --
Wed 21 @ Detroit 8:00pm -- --
Sat 24 Chicago 1:00pm -- --
Mon 26 Utah 7:30pm -- --
Thu 29 @ Boston 8:00pm -- TNT
Fri 30 Milwaukee
WTF, thats a brutal start for november. I think we can take on Milwaukee, Sacramento, Minnesota and Clippers easily. Possible wins against Miami, Orlando, G-State. The rest are doubtful.
I can see either a 4-11 start(the worst) or 7-8 or 9-6(the best) start. Tough november.


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June 5, 2012 —
"There are going to be tough choices. The way I look at it, unless New York State delivers mandate reform tomorrow, there are people losing their homes in Sullivan County; we can't afford to live here," said Sullivan County Legislator Cindy Gieger.
The setting was a town hall meeting at the Liberty Senior Center on May 31, and the topic was how to persuade politicians in Albany that taxpayers at the county level are straining under the weight of programs that are dictated by Albany but are paid for with local property taxes.
County manager David Fanslau repeated the basic facts: state-mandated programs consume 93% of the county tax levy, leaving county lawmakers very little choice about where to cut.
Medicaid payments are a prime example of an unfunded mandate. New York is one of only two states, the other being North Carolina, where counties are required to pick up a share of the cost. County treasurer Ira Cohen said he mails a check of nearly $400,000 every week to Albany to cover the county share of the cost of Medicaid.
Governor Andrew Cuomo is working to reduce the Medicaid burden on counties, but it's not going fast enough to suit many local politicians across the state. Assemblywoman Aileen Gunther said, "The governor has gone an inch, but there's a mile to go."
Gieger's main goal at the meeting, along with legislator Kitty Vetter, was to recruit residents who would lend a hand getting their neighbors to write letters and sign petitions to support a law that would immediately freeze the county's cost of Medicaid. On that count, the meeting appeared to be successful, because several residents said they would volunteer.
But there were other topics that some members of the crowd of 45 or so people wanted to talk about. One was a campaign to change the laws regarding tax exemption in the state. Cohen, who has written extensively on the topic, said that it would be difficult to tackle the problem through legislation because of the enormous lobbying clout of the various religions in the state who want to preserve the status quo. He said other ways to tackle it would be through court cases or through convening a constitutional convention, in which the state constitution would be reworked. Several residents agreed to work on that committee as well.
A third topic of conversation involved people in need of social services. Two residents said they understood that people from New York City and elsewhere come to Sullivan County to sign up for such programs as emergency housing and food stamps because those services are easier to obtain than elsewhere in the state.
Fanslau and Cohen said that is not true; the standards are the same in every county in the state.


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Sherman begins his march to the sea, FDR lays the cornerstone of the Jefferson Memorial, and Elvis Presley makes his movie debut, all on this day.
1996: Lawyer, diplomat and author Alger Hiss dies of emphysema at age 92 in New York City. The former U.S. State Department official was convicted in January 1950 of perjury in connection with accusations of being a Soviet spy in 1948. Hiss was also involved in the establishment of the United Nations both as a U.S. State Department and U.N. official.


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I went camping for the first time this weekend. Turns out … I'm not made for it. There are aspects of it that I enjoyed immensely, such as setting up the tent (which I am proud to say didn't take us very long), making a fire and cooking dinner over it (and by dinner I mean S'mores), and, of course, hiking.
My friends and I camped at "The Crags," which lies directly behind Pike's Peak. Words simply don't do justice to the splendor and majesty of God's creation. It is breathtaking and awe-inspiring. And that's what got me thinking. Everyone needs to feel this small so they can see just how big He is.
As you know, I've spent the last several weeks brainstorming about how to capture Gen Y and move them to action. They need only to be given the right opportunity to go out into the world; because once they are there they can make a difference.
And now, an idea has been born!
- It's about giving young adults the opportunity to completely participate in what Compassion is doing around the world.
- It's about getting intimate with extreme poverty.
I can attest to the growing pains in my own soul, to see and experience God in a big yet intimate way. For whatever reason, there lies within me the idea that He is where I have yet to go: out there. Among people groups and areas of the world that our society says are off limits; dangerous.
I also know that my feelings are shared by many of my peers. There is an overarching sense of duty that we feel we must fulfill, a holy war we must wage. My generation is on the horizon, and we are ready to fight; we need only to be equipped with the proper armor and the opportune time.
There are still countless bases to be covered, details to be ironed out, and logistics to be overcome. But, driving the progression of it all is an extreme excitement about the possibility of taking my generation on a journey that will change our lives and the lives of those with whom we share the story.
I know that I am more moved and inspired by sitting down with someone over a cup of coffee and hearing about what the Lord is doing in that person's life than watching yet another commercial that exploits pictures of children in poverty in order to tap into the pity that lies in wait within our souls. At the end of the day, pity fades. We forget about them, not because we mean to, but because we haven't heard their story.
I think that as this idea takes shape and people who participate come back to share what they encountered, listeners would see in a new light the work that needs to be done.
The bottom line is this: God will accomplish His will in some form of fashion, using whichever generation will make itself available. My question is simply this: Why not us? Why not now?


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I hope AMD will catch up and get even closer with Bulldozer-NG. It's exciting.
Intel Corp. has been releasing new microprocessors exactly on schedule for many years now. Every year sometimes in the fourth quarter the world's largest maker of chips starts to ship its new-generation chips for revenue and officially launches them early in the first quarter several months later. However, this is not something that may happen to the next-generation Ivy Bridge processors.
According to slides published by Zol.com.cn, which resemble slides from Intel's roadmap, Intel will release its code-named Ivy Bridge central processing units (CPUs) for desktops in March or April, 2012, which is a couple of months later than expected. Previously Intel said that it would start revenue shipments of its future chips made using 22nm process technology in late 2011; the company's documents said that the Ivy Bridge are scheduled to be available in Q1 2012, which typically means January or February.
Ivy Bridge will generally inherit Sandy Bridge micro-architecture and will sport a rather significant number of improvements. Firstly, it will have certain improvements that will boost its performance in general applications by around 20% compared to Core i "Sandy Bridge" chips (e.g., enhanced AVX acceleration). Secondly, the forthcoming chip will have a new graphics core with DirectX 11 and OpenCL 1.1 support as well as 30% higher performance compared to the predecessor. Thirdly, Ivy Bridge will feature PCI Express 3.0 x16 interconnection as well as PCIe 2.0 x4 controller.
Chipsets – Z77, Z75 and H75 code-named Panther Point– that will support the new microprocessors will also be released sometimes in March or April. The new core-logic sets will enable new functionality like USB 3.0, next-generation manageability and security, support for three independent displays and other.
The authenticity of the slide could not be verified, but the information not related to Ivy Bridge is correct, based on documents seen by X-bit labs. Earlier rumours about the possible delay transpired across the Internet. Intel said that it does not comment on "rumor, speculation, or nebulous 'reports'".
Tags: Ivy Bridge, Intel, 22nm, Panther Point


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She is preceded in death: Joe S. Espinosa (husband) of 53 years, son Joe Robert (Bobby) Espinosa, son in-law (Andrew King) and grandson Patrick King.
She leaves behind sister Nikki Rocha, 2 daughters Joyce (Jose Reynolds) King, Lori (Danny) Tryon.
Daughter-in-law Sarah (Bobby) Espinosa Grandchildren: Monica (Gary) Reeves, Micheal (Nicole) Scott, Josef King, Natasha Tryon, Danny Tryon, Jr., and Kami King. Great-grandchildren: Jonathan Cardenas, Alex Marie Cuellar, Alyssa Cuellar, Karah Reeves and Jayla Scott. Great-great grandchildren: Alexis Cardenas and Jayden Robert Cardenas. Host of family and friends


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The 10 Best Conservative Tweets of 2012
I love organic, natural products. Especially oil. #DrillBabyDrill
— Jenny Erikson (@JennyErikson) May 20, 2012
If only there were some way for Sesame Street to make money aside from govt funding. twitter.com/KarolNYC/statu…
— Karol (@KarolNYC) October 5, 2012
I'd like to organize a group of bright young people who want to change the world through working in politics, then ship them to Antarctica.
— David Burge (@iowahawkblog) October 26, 2012
I dream of a better world where chickens can cross the road without their motives being questioned.
— Conservanista (@KirkhamH) August 27, 2012
#HowToPissoffADemocratI show them my ID. And point out that I'm Black.
— Stacy Washington (@StacyOnTheRight) September 3, 2012
Yes, please tell me how fascist Republicans are as you try to control the amount of Diet Coke I drink.
— Chelsea Grunwald (@ChelseaGrunwald) June 11, 2012
From the Netroots Nation handbook: "Please do not assume anyone's gender, even people you may have met in the past." #Netroots
— Francesca Chambers (@fran_chambers) June 7, 2012
The first billion is a helluva lot harder RT @Drake: The first million is the hardest.
— T. Boone Pickens (@boonepickens) May 31, 2012
If our teachers were that great, why does our education system suck? How did that happen? Magic?
— benshapiro (@benshapiro) January 25, 2012
I'll try to pick up the pieces and carry on. RT
@ondrasmom: @jedediahbila I have to quit following you, your mouth is trash
— Jedediah Bila (@JedediahBila) August 30, 2012
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A 19-year-old Washington State University student was arrested Wednesday night on suspicion of trying to rape a woman at the College Hill apartment complex.
According to Pullman police, Alex Jeung followed a college-aged woman as she was walking home from a party. When she got to the parking lot of her apartment complex, Jeung reportedly tackled the 19-year-old woman and groped her.
The woman started yelling and Jeung ran away. A man heard the woman's screams, saw Jeung running away and called police.
Police found Jeung a few blocks away from the apartment and arrested him on suspicion of felony attempted second-degree rape, felony indecent liberties and misdemeanor fourth-degree assault with sexual motivation.
The woman was treated at Pullman Regional Hospital for cuts to her face.


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The Wounded Warrior Amputee Softball Team practiced at Joint Base Pearl Harbor-Hickam Monday.
They practice like any other softball team, but each of this team's members have lost a limb or two, and they lost them serving our country.
"I knew the guys coming back from Iraq and Afghanistan, a lot of them are former athletes and would like to get back into a competitive sport and be on a team again," said veteran David Van Sleet, who launched the team last year to inspire other by traveling across the nation, playing only able-bodies opponents.
He says it's not about winning explaining, "Because we've already won. These guys are back into a normal lifestyle."
There are 14 on the team from all over the country. They travel three weekends a month to practice and play games. They're booked until 2014. The team relies on sponsors and donations.
23-year-old Matias Ferreira is the team's catcher. He was wounded by a roadside bomb in Afghanistan just last year.
"I had a broken pelvis, shattered femur, and of course, missing both my legs below the knees," Ferreira said. "I knew that I wasn't going to be a machine gun in the Marine Corps. I was going to miss the camaraderie, my boys, being able to be deployed and be a part of something that's bigger than you."
But he found it again on a different kind of battlefield.
Ferreira added, "To our veterans, I know that they're getting ready for combat and those are the things that go through your mind before you get deployed. What happens if I get injured, if I killed or something? Just think about the present and let the future take care of itself."
The Wounded Warrior Amputee Softball Team will be back in Hawaii on Jan. 5 through Jan. 12 to play five games and it will be open to the public.


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"Your online radio shows have aided me in my journey back to the Church this past year. No matter which program I listen to, I am bound to learn more concerning our beautiful teachings and traditions."
"Time is not our own, and we must give a strict account of it."


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Alone, outcast and facing legal action. That not only describes Edward Snowden, it also describes many of Hawaii's whistleblowers who have come forward about wrongdoing in the workplace.
"It was really bad, the worst experience of my life," said former Transportation Security Administration worker Kristy Lungo.
She blew the whistle on what she said were illegal actions aimed at airport passengers by her superior.
"He was profiling, that was the basis for my whistle-blower complaint," said Lungo.
Instead of being thanked for revealing this action, Lungo instead embarked on a nearly two-year battle.
She documented phone calls, emails and letters as she tried to get someone to do something about the problem. Along the way, Lungo said she faced retaliation from other co-workers and supervisors.
"The minute I filed the complaint, my performance reviews immediately dropped. I went from being an excellent officer with 11 years of federal service to being substandard," said Lungo.
Lungo also ran into challenges with her complaint. Even the independent federal agency designed to investigate these types of cases sent her a letter stating it had no legal basis for looking more closely into her whistleblower complaint.
"I ended up walking away from the job after two years. I couldn't take the abuses at work anymore and I was disheartened by trying to get someone to look at it objectively," said Lungo.
Her case is not that unusual, according to attorney Michael Lilly. He deals with employment law and rarely recommends clients to come forward, because of the personal risk they take by blowing the whistle.
"Many times whistleblowers won't bring a claim because they know they will be damaged goods. If they do bring a claim, they find a very formidable opponent," said Lilly.
Businesses and government agencies have more money and resources to defend themselves, while a whistleblower may only start off with a sense of what is right and wrong.
There have been a few successful Hawaii whistleblower cases in recent years. Even those have taken years to wrap up and have taken their toll on those who speak up, according to Lilly.
"It can take a very long time to resolve. In many cases, people come to the end and wish they never went through it," added Lilly.
Even knowing how difficult and emotionally draining blowing the whistle can be, Lungo said she would still do it all over again.
"Yeah, I would have to say yes. Because it was the right thing to do," said Lungo.
Lilly said Hawaii's whistleblower laws are strong, but the problem is in many workplaces people are discouraged or even fearful of bringing up a complaint in the first place.


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Richard Ysmael, longtime head of Food Works, the in-house dining operation at Motorola, Inc., passed away October 14th after a long battle with lymphoma. Winner of the Silver Plate Award in 1982 in the Corporate Dining category, Ysmael was a highly respected and influential figure in the onsite foodservice industry. Food Works for many years was regarded as the largest self-operated B&I in the country and a major innovator in the segment. A mentor and friend to countless operators and ...
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Obama Prepared To Bypass Congress If Needed
By Tamara Keith • Jan 28, 2014
Originally published on January 28, 2014 7:20 am
When President Obama gives his State of the Union Address, he's likely to hit on familiar themes: expanding opportunity for all Americans, pushing for immigration overhaul and investment in infrastructure. And he's expected to say that if Congress doesn't act, he'll move forward with his own initiatives through executive action. This comes as Congress gave him very little of what he asked for last year.


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The first woman ever to set the corset aside; the one who first wore trousers on the street; the first female who dared to cut her hair like a man or to wear a miniskirt, provoking a public scandal.
The history of female apparel is full of landmarks. Maybe that's why our wardrobe is so diverse and there is a powerful industry focussed on it with the intention of satisfying all its demands: skirts, trousers, dresses, jackets, waistcoats; dotted, checked or striped, red, pink, with shoulder pads, transparencies…
Whereas men continue to be stuck with the same costume of centuries past. But something is changing. Isn't it?
Marc Jacobs, one of the most powerful designers of the present scene, has been demanding the male skirt for a long time and never fails to wear it in his public appearances. It seems as if his call for the liberation from the "tyranny of trousers" has started to bear fruit, since some have already begun to follow in his footsteps. Are they enlightened, vulgar or visionary?
Are we soon going to see young men strolling down the street in a skirt as if it were the most natural thing in the world, or is this trend not going anywhere? And what, then: handbags and high heels for them?
The funny thing is that wearing skirts is not really alien to males. Since antiquity with Greek-Roman tunics, up to the classic kilt of Scottish clans, men have always worn skirts. Shall boys of the future reclaim this garment? What do you think: Would you wear it?


text: I know this isn't exactly breastfeeding related. But I was hoping that one of you ladies would have some late night advice for me. I've had diarrhea for the past 3 days. I thought it was something I ate. But, last night DD, 7.5wks old, had a 2 hour screaming fit. There's been no screaming or crying today, but her poops were a lil watery in the morning. Then about 3 hours ago she had a huge watery poop that filled her whole diaper. Then just 10mins ago she vomitted all over DH and had another small but watery poop. I'm thinking that whatever stomach virus is giving me the diarrhea has been passed on to DD. I'm planning on dropping into the pediatrician's in the morning. But do any of you have any advice for me between now and when I get into the dr.s??? Advice for both me and DD? Like can I take ImmodiumAD for myself without it compromising my breastmilk? Anything extra I should do for DD?


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Melting snow. Budding trees. Sprouting bulbs.
All signs of spring.
Another one for me is the Mini Links Golf Outing at the Woodstock Public Library, and each winter I happily await its arrival.
The fifth annual event, which transforms the library into a 18-hole miniature golf course, will take place Friday and Saturday at the library, 414 W. Judd St., Woodstock.
Golfers follow a course that traverses all three levels of the library. Highlights include putting into the elevator and dealing with a variety of obstacles, including sand and water. Really.
In the past, holes have included spirals, jumps and crazy twists. Some have used ductwork, skateboards and potted plants. There's even been a "money" tree.
How do I know this? Because I've played the course each and every year the event has been held. And I wouldn't miss it.
This year, the Friends of the Woodstock Public Library have added a Friday night event, Library After Dark, which will include the Mini Links course, hors d'oeuvres and drinks. This special event runs from 7 to 9 p.m. Friday.
Attendees for Library After Dark must be 21 or older, and the cost is $25 per person. Tickets must be bought in advance at the library.
Families still can hit the links on Saturday starting at 10 a.m. The last tee time will be at 3 p.m.
Admission is $5 for adults and $3 for children 8 and younger. Tickets may be bought at the door.
As in years past, golf professionals from the Bull Valley, Woodstock, Boulder Ridge and Prairie Isle country clubs will play a round in the afternoon. Those who beat their scores will win prizes.
Golfers even can win a (model) car if they make a hole-in-one on a designated hole. For the record, I'm 0-for-4 on that one. Maybe this is my year.
Attendees also can enter a raffle for some sweet prizes, including a Tower of Games, golf accessories and a Page for a Day for state Rep. Jack Franks. Raffle tickets cost $1 each or six for $5. Winners need not be present to win.
If you can't make it to the Mini Links event, you still can enter the raffle, which is going on at the library all this week.
All the proceeds go to help the Friends organization add "extras" for the library. The group has provided activity kits for the Children's Department, bought books on CD, and provided online subscriptions. The group also provides the maintenance costs for the library's saltwater aquarium.
Last year, the Friends paid for an amazing mural by artist Kristin Plansky to go around the aquarium. You should check it out.
If you have questions about this year's Mini Links, visit www.woodstockpubliclibrary.org or call 815-338-0542.
So what sort of fun will the Friends have for us this year?
I can't wait to find out. I hope to see you there.
• Joan Oliver is the assistant news editor for the Northwest Herald. She can be reached at 815-526-4552 or by email at email@example.com.


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I've been hearing a lot about Fenugreek, oatmeal, regular milk, and some other things. I was wondering the following:
What process should I take to up my milk production? What should I be consuming to up my milk production? What are the side effects of the consumed items? How will the side effects effect my children? How often should I consume said items? How long should I consume said items? What is the optimum schedule for increasing my milk supply? (To include house chores, and working out.) Is there anything else I should know about increasing my milk supply?(I.E. things that can hinder it)
Here is some info on me and why these questions were raised.
I'm 21 and had twins. My left 'tit', as my dh calls it, produces a lot less than my right. I'm lucky to get less than or equal to a half ounce from it. My right, hehe, it produces equal to or more than four ounces. That's even after the kids have feasted upon that breast.
I don't mean one kid goes at one feeding, I mean both go at it at that feeding. If you are wondering how I do it, one normally sleeps while the other is eating. After child A, Kori, is done feeding Child B, Dain, wakes up and begins to feed on it. I have tried this same senario with my left tit.


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@Goforit: I'll take man buns over tats any day.
@KittyLitter: KL If you are referring about the buns about half way down a mans body, I would happily agree. If you mean the bun on a mans head, not so much.
I don't know what's more surprising: that this is news, or that there exist people who think man buns look good.
Jared Leto's "man-bun" was HOT-HOT-HOT. Alex Ebert's Golden Globes "rats nest" was just that and looked nasty as hell.
@jwrappaport: When done right…it's way hot!
So not attractive on a man – straight, gay, dark, light, now or on a Tokugawa period shogun.
Douchey faux-homeless simply isn't my style nor is it a turn-on for me.
Some of these guys are obviously attractive, but looking like you are unaware of the very existence of soap is just SO not "hot".
@Dwayne420: Define "right". This is really pretty awful.
In a word: No.
I'd love to get two handfuls of Jared Leto's man bun"s" while I look into his beautiful eyes and kiss him! I would probably have a better chance with Rayon though. Probably couldn't even get that lucky.
Not a fan of this fad-that's-come-back (from the hippie 1970s) but that guy with the kitten is kind of hot.
In general, though, bald with beard is MUCH hotter. Beards and goatees in general are hot, especially if they're even semi-groomed. If it's got to be long hair, let it be an afro, long and straight, or in cornrows.
The bun, not so much.
Looks like a hippy thing from the 1960's. Not appealing at all.
It's amazing how straight-laced and conventional some gays are, judging by the comments on here. Well-kept long hair is generally hot, and I appreciate guys who have the balls to wear it in different ways. As some of these photos demonstrate, it can accentuate facial features and it signals a relaxed, confident masculinity. If you want to live your life in jeans and a checked shirt, with short back and sides, go ahead. But don't throw bricks at guys with more flair and daring.
Nah,I'm not liking the hair buns.
Thank you! I get SO sick of the "I hate long hair!" people along with the "I hate tats!", "I hate beards!", "I hate chest hair!"! If you don't like the subject why not just skip it instead of whining?
Any guy who's hair is long enough to tie in a bun is already a no-no
When I was in college back in the mid 90's I knew a guy who wore his hair like this. So, this isn't new. It looked great on him. He wore it more like the ginger in pic 3.
I lived during the so-called hippie era of the 60's & early 70's in the Haight-Ashbury of San Francisco and I do not recall a hair style similar to this. We wore long hair with either a headband, hat, or tied into a pony-tail. Long hair kept clean and well cared for is extremely masculine. This "bun" thing looks to be some concoction of a japanese warlord combined with an unkempt street person. Another attempt to DE-masculinize a Man ? I wonder. Who comes up with this stuff ? The quicker it goes away – the better. Of course, this is just one man's opinion and his right to express it. Also it would be nice to see the following go away, to wit: shaved bodies, shaved heads and crotches, hardware of any kind, along with baggy pants, hoodies, and the perennial ball cap ! I'm beginning to think the only well dressed MAN anymore, is a real working cowboy !
I don't mind long hair. Straight, curly, in an afro, cornrows, you name it. But these buns just don't do it for me. I also like tats and piercings, etc.
Buns, no. What's next for these guys? Up dos? French braids?
just stupid
Well that all depends on which buns you are talking about. The ones on the head can be cool. The ones lower down well, they are flippin hot!
Man buns suck. If you want long hair, then have long hair flowing across those amazing shoulders.
like samurai?
Terrible fad, make it stop!
It really isn't "a thing", it's an abomination! *shivers*
kinda cute on slim guys with lots of dark hair…
I'm old school, don't even like guys with long hair (and I'm a child of the 60s) I hate the man "bun" thing unless those buns are filling out a pair of 501 Jeans.
Hot Men Still Great Looking Men With Or Without A Bun


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December 11, 2013 —
What most county officials see as a near-certainty of one or two casinos coming to Sullivan County colored the conversation at a meeting of the county Community and Economic Development Committee on December 5.
Legislator Cindy Gieger kicked things off, pushing for more attention to attracting small businesses to the county. She read from a prepared statement that she has been "hearing from constituents that current efforts in small business development need to be revisited and renewed. I understand efforts in economic development have been largely centered in the recruitment of the big job creators, while I believe this is worthwhile, my constituents are calling for equitable efforts to recruit small job creators."
She said that, according to the state comptroller's office, 87.8% of all businesses in the state have fewer than 20 employees. She proposed that the county economic development agencies, such as the Industrial Development Agency (IDA), the Partnership for Economic Development, the Sullivan County Visitors Association and perhaps the Division of Planning and Environmental Management, set goals for 2014 for attracting new small businesses and use an "aggressive marketing campaign" to do so.
Legislator Ira Steingart said there are various tools and agencies involved in economic development, but the umbrella is the Partnership, and it was important to be consistent and point businesses looking for programs or assistance to the right place. He also said, "Eighty percent of startup businesses don't make it; that doesn't mean they're not getting the best help and the best chances."
There was a brief discussion about whether zoning could be more standardized throughout the county to aid in the establishment of new business, though it was quickly noted that zoning occurs at the town level, and the county has no real control over it. Steingart said, however, the topic might be brought at a meeting of the town supervisors.
Moving on to a different topic, legislator Alan Sorensen, a former county planning commissioner, noted that the planning department has changed. He ticked off a list of successful programs launched by the planning department.
He said that before he joined the legislature, "the planning department was reorganized and community development was pulled out of planning. I think as we look at the economic development before us, [a reference to the casino] we really need to ramp up. We need to reinstate community development as a core function of the planning division, because I think more than any other entity, there's a unique focus in terms of research and securing grants, especially at a time when it appears the county is entering a period of growth."
Marc Baez, who was once again appointed as CEO and president of the Partnership, followed up. He said that years ago a company interested in the county would approach him saying, "We want to know about the demographics, we want to know about the land, about the soil, all these different elements. Planning had an extraordinary geographic information systems (GIS) program that could lay out all that information on a map." At that time Baez, in the role of the "salesman" for county properties, could give such information to prospective companies. He said the planning department no longer has that capacity and it should be restored.
Baez then pivoted back to the issue of small businesses. He said, "This year there were 162 small businesses that came in; most of them are not ready to go."
Then he addressed the coming one or two casinos and the passage of Proposition One in the November election. He said, "Once the vote hit, we're nonstop, we're going full speed. We're meeting a host of different businesses that want to come up here."
Then he switched back to the perception that projects like the one at the former Concord Hotel, Kutsher's and a few other large projects receive more attention than small businesses. He said "In terms of small business, the partnership focuses on critical mass." He said that the large projects would attract many employees. He said, "I can tell you, in the next two or three years, there's going to be quite a bit of demand for employees, probably a shortage," and he added, once hired those employees would be "demanding the roofers, the mom and pop stores."
At one point, Jennifer Brylinski, executive director of the IDA, laid out the agency's record in assisting businesses with fewer than 50 people. She said, "In the last five years, eight of our tax abatement projects have been for small businesses; there have been five small business projects involving the revolving loan fund; there has been one project in the agri-business revolving loan fund; there have been seven projects in the rural micro-entrepreneur; and there have been five small business projects in the Millennium program."
Before the meeting ended, Sorensen took the discussion back to casinos. He said, "Sullivan County is at a crossroads, and how we develop from this point forward is going to determine the character of the community for years to come. Do we become more like Saratoga, more like Vermont and that very attractive, well designed development that fits into this bucolic setting that we all appreciate and love, or do we become Kissimmee, Florida [near Disney World], the strip retail center with signs and billboards all over the place. And honestly, I think right now, it could go either way."


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Application deadline extended to Jan. 27, 2012
The Conservation Stewardship Program (CSP) is a voluntary conservation program that encourages producers to address resource concerns in a comprehensive manner by:
CSP is available on Tribal and private agricultural lands and non-industrial private forest land in all 50 States and the Caribbean and Pacific Islands Areas. The program provides equitable access to all producers, regardless of operation size, crops produced, or geographic location. The Secretary of Agriculture has delegated the authority for CSP to the NRCS chief.
Through CSP, NRCS will provide financial and technical assistance to eligible producers to conserve and enhance soil, water, air, and related natural resources on their land. Eligible lands include cropland, grassland, prairie land, improved pastureland, rangeland, nonindustrial private forest lands, agricultural land under the jurisdiction of an Indian tribe, and other private agricultural land (including cropped woodland, marshes, and agricultural land used for the production of livestock) on which resource concerns related to agricultural production could be addressed. Participation in the program is voluntary. CSP encourages land stewards to improve their conservation performance by installing and adopting additional activities, and improving, maintaining, and managing existing activities on agricultural land and nonindustrial private forest land. The NRCS will make CSP available nationwide on a continuous application basis. The State Conservationist, in consultation with the State Technical Committee and local work groups, will focus program impacts on natural resources that are of specific concern for a State, or the specific geographic areas within a State. Applications will be evaluated relative to other applications addressing similar priority resource concerns to facilitate a competitive ranking process among applicants within a State who face similar resource challenges. The entire operation must be enrolled and must include all eligible land that will be under the applicant's control for the term of the proposed contract that is operated substantially separate from other operations.
CSP offers participants two possible types of payments:
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Producers interested in CSP should submit applications to their local NRCS Office by Jan. 13, 2012, so that their applications can be considered during the first ranking period of 2012.
The 2008 Farm Bill recognized the growing interest and support of organic agriculture across the country and required the development of a transparent means by which producers may initiate organic certification while participating in a CSP contract. "The Conservation Stewardship Program's Contribution to Organic Transitioning - The Organic Crosswalk", provides an explanation of how CSP enhancements can be used to assist producers in meeting individual National Organic Program (NOP) rules while going through the transitioning period.
The document below requires Adobe Acrobat Reader: The Organic Crosswalk (PDF, 45KB)
Jena Moore (501) 301-3164
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By Dave Wagner: CNJ sports writer
PORTALES — Things haven't been going that well for the Newman men's soccer team.
Not only had the Wichita, Kan.-based Jets lost seven in a row, the last six were at home.
Newman jumped on Eastern New Mexico University for goals early in each half Friday and edged the Greyhounds 3-2 at the ENMU pitch.
The Jets (3-8-1), former NAIA members, are in their second year in NCAA Division II. Coach Cliff Brown, in his 20th year at the school, said his team has been close in a number of the losses.
"The last four or five games, I think we should've won," he said. "We had good chances; we just didn't do anything with them.
"Today, I think the teams were fairly evenly matched. It was just one of those things where it went our way."
Once again, a stiff south breeze played a role in the outcome. But while the Greyhounds (5-7) were held to a 1-1 tie with the wind in the first half, the Jets scored in the first minute of the second half and controlled play most of the way.
Freshman forward Renato Ramlochan scored just over three minutes in for Newman. ENMU tied the game late in the half on a goal by Cesareo Contreras, but the Jets jumped back in front 51 seconds into the second period on a goal by Pablo Molina.
Brian Alvarez made it 3-1 with just over 20 minutes left. The Hounds got back into it with nine minutes left when junior midfielder Hugo Gonzalez converted a penalty kick after a Newman foul in the box, but the Jets held on.
ENMU narrowly missed taking the lead as the half ran out. Andrew Perez got off a hurried corner kick in the closing seconds and sophomore midfielder Tyler Hart headed the ball in, but referee Milo Slater ruled the clock had expired just before the shot.
Hounds coach Carlos Elizondo thought the goal probably should have counted, but said the Hounds had plenty of chances.
"In the end, it was our own (failures) that brought us down," he said. "We had opportunities, but we didn't play like we did last weekend (in wins over St. Mary's and Texas A&M-International), and we paid for it."
The Hounds are home again on Sunday in a 2 p.m. match with College of the Southwest.


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Fall 2011 - 61270 - PA388L - Advanced Topics in Management
Managing Diversity
| Schott, Richard L.
|Unique Number:
|Day & Time:
|T 7:00 - 10:00 pm
|Waitlist Information:
|For LBJ Students: UT Waitlist Information
Course Overview
Students desiring additional exposure to public management issues may select from seminars on such topics as managing diversity, principles and practices of effective leadership, and social entrepreneurship.
Section Description
As American society becomes increasingly diverse, organization leaders and managers need a broad appreciation of the variety of individuals and groups with whom they interact. I believe a major challenge facing America in this century is its ability to understand diversity and to create a truly multi-cultural society. Effective communication and relationships with persons from ethnic, cultural, and experience backgrounds other than one's own requires knowledge of their history, life experiences, and views of the world.
This course is designed to acquaint students with the variety of groups and personal orientations they will encounter during the course of a professional career and to provide insights into their differing histories and experiences. Among the various groups to be studied will be those based on gender, ethnicity, age, personality, and sexual and gender orientation. The course is organized as a seminar and combines readings with experiential learning such as simulations and group processes. Reading material is drawn largely from autobiographies and novels, supplemented by documentary films. Each student will have the opportunity to study in-depth a particular culture or group in which she or he is particularly interested.


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The Championship Photos
The Championship slideshow
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Champions League Round-Up: Arsenal show the way, humiliation for Leicester and Zidane's run goes on
Alex Netherton looks back on the final round of group fixtures as teams booked their spots in the knockout stages. More »Alex Netherton - 14 hours ago
Aubameyang confirms Madrid promise after Bernabeu show
Pierre-Emerick Aubameyang again talked up a move to Spanish giants Real Madrid on Wednesday. More »Omnisport - 10 hours ago
Cricket: Centurion Jennings aces maiden England Test as Ashwin hits back for India
England need to win in Mumbai to keep their series with India alive and debutant Keaton Jennings boosted the tourist' hopes on Thursday. More »Omnisport - 1 hour 24 minutes ago
Top 10 trending UK football clubs on Twitter in 2016
These are the most talked about clubs on twitter from 2016 More »Yahoo UK Originals - 20 hours ago
Pochettino confident Spurs are back on track
Tottenham suffered a damaging dip in form earlier in the season, but their performances in recent matches have lifted Mauricio Pochettino. More »Omnisport - 13 hours ago


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The Cosworth Subaru EJ25 CS600 series is designed for extreme track day use and the demanding performance enthusiast. Each assembly is precision built by one of Cosworth's skilled craftsmen using the finest components from our parts catalog to ensure maximum reliable power and performance. Starting with a new Subaru EJ257 semi closed deck block, we meticulously hone each bore to guarantee perfect piston to cylinder wall clearance. The block is then assembled with our Forged Pistons, motorsport grade Forged H Beam connecting rods along with our high performance rod and main bearings and a new STI Forged crankshaft. For maximum performance, an optional steel billet crank is available (CS600X). Once the cylinder block assembly is completed, we install a pair of our CNC machine port-bored Big Valve Cylinder heads with our proven "S2" camshafts complete with valve lash set to our specifications. The cylinder heads are secured with our high performance 11mm steel studs and sealed with a Cosworth high performance stopper layer steel head gasket. Finally, we install one of our blue-printed, high pressure oil pumps for maximum lubrication. This proven engine combination has been used by top teams to win events in both North Americaand Europe.
Key Features


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Hong Kong Debates Independence From China
By editor • Jul 22, 2014
There have been huge protests in the former British colony Hong Kong recently. Hundreds of thousands took to the streets to demand that Beijing honor China's commitment to Hong Kong's political and judicial independence.
As the BBC's Juliana Liu reports, there is deep anxiety in Hong Kong that China has no intention of allowing people on the island to choose their next leader, but there are also protestors on the other side, with leanings more toward China.
- Juliana Liu, Hong Kong correspondent for the BBC. She tweets @julianaliu.
Copyright 2014 WBUR-FM. To see more, visit http://www.wbur.org.


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HARRISBURG, Pa. — A special advisory committee within the Pennsylvania Commission on Crime and Delinquency has received a prestigious national award for its efforts to help individuals with mental health needs that are involved in the criminal justice system.
Allegheny County Court of Common Pleas Judge John Zottola, who chairs PCCD's Mental Health and Justice Advisory Committee, accepted the award in August month at the 2011 National Forum on Criminal Justice and Public Safety.
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The Mental Health and Justice Advisory Committee provides guidance to counties in coordinating criminal justice and mental health activities, with the goal of reducing the number of persons with mental health, or co-occurring substance abuse needs, from entering or remaining in the criminal justice system, while also protecting public safety and the community.
The committee's work led to the creation of a Center of Excellence, or CoE, for the development and improvement of programs serving adults with mental illness involved in the criminal justice system. The CoE promotes evidence-based and promising practices and support for counties in the operation and sustainability of jail diversion and re-entry programs and acts as a clearinghouse for information and resources related to criminal justice, mental health and substance abuse.
"The creation of the Mental Health and Justice Advisory Committee and the Center of Excellence has afforded the opportunity for state and local cross-system collaboration," said PCCD Executive Director Linda Rosenberg. "This initiative has enhanced Pennsylvania's ability to successfully divert from incarceration and provide treatment to justice-involved individuals with mental illness."
The Mental Health and Justice Advisory Committee was established in 2009 with PCCD's Office of Criminal Justice System Improvements and the Pennsylvania Department of Public Welfare's Office of Mental Health and Substance Abuse Services.


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By Robert Cox, Colorado State University Cooperative Extension, Horticulture
Have you ever wanted to grow a peach tree from a peach pit? It can be done.
Peaches from seed can result in trees that bear decent fruit, although they may not look or taste just like the peach from which the pit came. Most commercial peach varieties are budded onto specific varieties of rootstock. In any case, peach pits can be planted in fall in a garden area, just as if you were planting any other seed. Plant them about 4 inches deep and apart in a row.
Cover with an inch of straw, pine needles or similar mulch and then water. Throughout winter, water the row when conditions have been dry and warm with no snow cover. Many of the pits will germinate the following spring. You can transplant them to pots for growing to a larger size, or move them directly to their new location. Avoid planting peaches on southern exposures, as the extra heat would cause them to bloom even earlier in spring, ensuring that late frosts would prevent fruit development. Eastern or northern exposures are best, but it will be several years to fruiting size from a seedling peach. Note that the late frosts our area receives will typically mean that peaches develop only one or two years out of five.
Photo: Judy Sedbrook
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Date last revised: 01/05/2010


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By Sean Greene 12:26am, June 17, 2013 - Updated 7:12am, June 17, 2013
VIDEO: Sussex Central's Booth on playing in the game, a rival turned teammate, and his future in collegeThere are certain things you expect from the DFRC Blue-Gold All-Star Football Game: Participants and their hand-to-hand buddies bonding together, new friendships made as rivals become teammates, and a member of the Booth family on the field.
When Sussex Central's James "Butch" Booth takes the field Saturday with the Gold Team as part of the 58th Annual Delaware All-Star Game, he will become the 8th member of his family to strap on the pads and compete with Delaware's top gridiron seniors.
Butch will join his brothers Jake (2001) and cousins Buckie (1995) and Spencer (2004) to represent his generation of family in the game. Before them, Butch's father Joe played in the 1976 game, while his uncles Al (1970), Spencer (1972), and Jim (1976) all represented the Golden Knights and the Gold Team in the game.
Being recommended for the game by his coaches and athletic director is something Butch says his family doesn't take lightly. "It's a tradition, it's something we strive to do because it's such a good cause and all of us love to do it and we love the atmosphere."
The cause is representing DFRC, the Delaware Foundation Reaching Citizens with Intellectual DisABILITIES, and his "buddy" in the program is Garth Layfield, the son of one of his coaches at Sussex Central. Butch says their favorite activity so far during the past half-year of the program was one of the bowling events.
Butch is off to Salisbury (Md.) University in the fall where he will join the Sea Gull football program which has won the last two Empire 8 Conference Championships and corresponding bids to the Division III National Football Tournament.
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text: The Acrobat Family just got a little bigger today with the announcement of a new mobile version of the popular communication tool; Acrobat Connect Pro. Many schools and universities already use Connect Pro for online meetings and virtual classrooms to bring eLearning to any desktop. With the release of the new mobile version, users of the iPhone and iPod touch now have access to their virtual classroom from anywhere.