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Thursday, October 14, 2010
Viva los Chilenos: Leadership Lessons from the Chilean Mine Rescue
Viva los Chilenos: Leadership Lessons from the Chilean Mine RescueBy Thomas Murrell MBA, CSP International Business Speaker
"Viva los Chilenos" was scrawled in black texta on a piece of white paper and taped to the back of a four wheel drive at eye height.
I wondered who owned the vehicle as I passed it this morning on my way back from a networking breakfast in my hometown suburb of Subiaco in Perth, the world's most isolated city?
What motivated them to write such a slogan, put it on public display and what did it mean?
Then the radio news came on, "the last of the 33 miners in Chile had been rescued" and the penny dropped.
This was a message of hope.
The August 5th accident which occurred when the San José copper-gold mine, near Copiapó, Chile, collapsed, leaving 33 men trapped deep below ground, and their dramatic rescue 69 days later has captured the world's attention.
It is the news story of the year with its long, drawn out drama and fairytale ending.
So what are the lessons of leadership we can learn from the disaster?
What does this mean in terms of leading and motivating others? under stressful, difficult and trying circumstances
1. Leadership is about optimism and setting direction
Having a focus and being future-orientated is a critical leadership trait.
Optimism is a learned skill. This skill is critical during a disaster.
Survival would be the first direction with the trapped miners.
2. Leadership is about purpose
"We're trapped, we're lucky to be alive so what are we going to do now?" would be the next common thread going through the minds of the miners after the first survival shock.
To counteract boredom, the miners organised themselves into three groups of eleven.
These groups then set about performing tasks and chores. An example was clearing the rubble coming through the shaft during the rescue.
A sense of purpose is important for morale.
In the case of the miners it was important that they were doing something because it would have taken their mind off being trapped underground.
4. Leadership is about maintaining energy and effort
It is important to break tasks up into manageable activities and maintain momentum.
In the case of the miners, tasks were important to break up the boredom, create routines and to have practical outcomes.
In the Chilean example, this included making latrines, requesting items from above such as antiseptic for their hands, washing and disinfecting, and organising a schedule for making contact with families.
Because there was no natural light, turning lights on during the day and off at night helped reinforce this cycle.
5. Leadership is about being visible
During a disaster, we turn around and look for our leaders.
That is why we saw the Chilean President so involved and even the President of the United States made a statement when the miners were rescued.
"Chile is not the same country any more. Chile is more united and stronger than ever and I think that Chile today will have more respect and be valued by the whole world," said the Chilean President as the miners were rescued.
6. Leadership is about showing empathy and compassion
Society expects leaders to be most concerned with the welfare of those affected by the disaster.
Always focus on the human side of any disaster first.
7. Leadership is about taking control and communication
When a crisis strikes many people are scared and confused.
Leaders need to mirror the feelings of the broader community and act in the best interests of society. We want them to be in control and be decisive.
In a crisis, leaders are judged by what they say and what they do.
What they say is important because the words and messages have a huge amount of impact in that moment of time.
The content is critical to match the serious context of the message.
Symbolic acts by leaders mean a lot.
It's not a "merely symbolic" act when the President hugs the first miner to be rescued.
It's a powerful act because it communicates importance and concern.
"This was a blessing from God. But it had started as possible tragedy. But the unity, the faith, the commitment, the loyalty, solidarity expressed by the Chileans during these 69 days filled us with pride."
Need to refine your message for a speech?
Please consider: Tuesday October 26th 2010, Subiaco Arts Centre, Perth, Australia
Powerful and Persuasive Speechwriting
Numbers limited so book here.
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This is the first of many hopefully. I had a blast hunting this guy. I almost jumped out of my skin when he did a triple gobble at first light to an agressive hen call.
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Best craft-beer bars
These hops havens set the standard.
Blind Tiger Ale House
The Bronx Alehouse
See our most current list of the best craft beer bars in NYC
Prepare to geek out at this temple to beer and vintage arcade games: first at the 35 classic quarter machines (Donkey Kong, Contra), then at the ever-evolving beer selection detailed on a chalkboard above the bar. Owner Paul Kermizian stocks only American beer, with 75 percent of his haul hailing from the Northeast. But despite constant lineup changes, he manages to maintain remarkable stylistic balance—on the 24-tap draft list, you might see a crisp Victory pilsner alongside a diverse trio of stouts and a yeasty black ale from New Hampshire's White Birch Brewing. Bimonthly events include tap takeovers that give patrons access to the full range of offerings from a single producer. 388 Union Ave between Ainslie and Powers Sts, Williamsburg, Brooklyn (718-302-6464, barcadebrooklyn.com)
Bar Great Harry
If you want craft suds sans all the snooty posturing, bend an elbow at this democratic tavern. You'll find Bud drinkers and neighborhood folk with their dogs alongside hops-heads exploring the 24 mostly domestic drafts ($5--$7). While the dizzying selection of choices rotates frequently, expect esteemed names like Avery, Founders and whichever brewer stops by for BGH's frequent tastings—a recent visit from Northern California's Bear Republic introduced patrons to a number of experimental sour beers that had never before made it to New York City. A 40-strong bottle list ($5--$25) complements the taps with international standards like Saison Dupont and Aventinus. 280 Smith St at Sackett St, Carroll Gardens, Brooklyn (718-222-1103, bargreatharry.com)
Blind Tiger Ale House
Long before craft entered the lexicon, there was Blind Tiger, one of the OGs of the New York beer scene. Since its arrival in 1995, Blind Tiger has achieved legendary status thanks to a meticulously curated program and some of the city's best bar food. The 28 taps ($6.50--$11), two casks and one gravity keg (usually $7), plus more than 80 bottles ($7--$55), make this the first port of call for brewhounds who want to track down pours they can't find anywhere else. Weekly events, including meet-the-brewer nights and frequent style showcases, help drinkers navigate the hunt. 281 Bleecker St at Jones St (212-462-4682, blindtigeralehouse.com)
The Bronx Ale House
This Boogie Down saloon isn't just the best beer bar in the Bronx—for our money, it's unrivaled anywhere north of midtown. Uptowners have the bar's co-owner Chris Guidice to thank: In less than two years, the brick-walled joint has become a bona fide craft headquarters, hosting boisterous guest-brewer events, doling out growlers ($10--$15), and attracting loyalists who attempt to sample and rate 100 different quaffs for the bar's Beer Club. And thanks to a lineup of 16 domestic-leaning taps, one rotating cask and more than 30 bottles, hitting the hundred mark isn't all that hard a task. Minding your drinking dollars is also easy: All drafts are $1 off each weekday until 7pm. 216 W 238th St between Putnam Ave West and Review Pl, Bronx (718-601-0204,bronxalehouse.com)
When it opened in 1995, this trailblazer embraced all the contemporary beer memes while most NYC bars were still dealing in Miller and Coors. Beer lovers fond of European classics as much as the domestic microbrewery du jour will appreciate the scope of the 20-deep draft selection (most $7): You might find an orange-tinged Weihenstephaner Hefeweissbier from Germany alongside New York beers such as the velvety Southampton Imperial Porter. Even more impressive is the encyclopedic bottle list: All seven Trappist breweries are represented, plus Dogfish Head World Wide Stout (at 18 percent ABV, one of the most alcoholic beers on the market; $9) and British oddities such as the cellar-aged Thomas Hardy Ale ($10). And for those looking for an upgraded boilermaker, dig into d.b.a.'s vast whiskey offerings—it's not often you can chase your craft beer with a rare Glenrothes Select Reserve ($18). 41 First Ave between 2nd and 3rd Sts (212-475-5097, drinkgoodstuff.com)
The Diamond
In a beer scene dominated by hoppy, high-alcohol brews, credit this madcap watering hole for championing session beers (most $6), a family of brews whose lower booze content makes them ideal for extended drinking. Unlikely picks such as the 3-percent-ABV Berliner Weisse (Budweiser is 5 percent) will keep you buzzed but standing through an evening of shuffleboard. If you need something burlier, idiosyncratic draft and bottle options reflect the sharp eye of co-owner Dave Pollack. Try a treacle-kissed Carnegie Porter ($10) from Sweden or a figgy Prize Old Ale ($13) vintage from 1996.43 Franklin St between Calyer and Quay Sts, Greenpoint, Brooklyn (718-383-5030,thediamondbrooklyn.com)
Jimmy's No. 43
This subterranean brew house is the unofficial clubhouse for the New York beer community, thanks to the efforts of garrulous owner Jimmy Carbone. For a beer education on the cheap, make a habit of attending the $10 Tuesday Tastings, where an expert leads guests through pours of five to six brews within a particular theme (e.g., Colorado brews, seasonal beers made with fresh hops). Because of Carbone's hands-on involvement in the local scene, his dozen taps (most $6--$8) and deep bottle collection are often the first point of entry for both hyperlocal nanobreweries (see page 20) and new-to-NYC imports. We've tried unfiltered Franconian lagers and a Japanese brown ale brewed at the foot of Mount Fuji at the marble-topped bar. 43 E 7th St between Second and Third Aves (212-982-3006, jimmysno43.com)
Rattle N Hum
Owner Patrick Donagher is more interested in converting craft-beer newbs than scaring them off: A giant chalkboard wall suggests craft alternatives to mainstream swill, and a daily-changing menu offers 40 mostly American drafts ($7--$9), to help you find your new favorite beer. Purists gravitate toward the casks (between two and four at any time), as well as some of the expert picks on the list of 150 bottles, including Jolly Pumpkin's funky La Roja sour ale ($21, see Four beer trends). 14 E 33rd St between Fifth and Madison Aves (212-481-1586, rattlenhumbarnyc.com)
Spuyten Duyvil
The pared-down lineup of six drafts and one cask here speaks to owner Joe Carroll's reverence for beer. "With too many lines, the beer can sit around and get stale," he says. Spuyten's minimal draft offerings, as well as its 100-plus bottle list ($5--$45), are focused mainly on tiny European breweries. Sample old-world rarities like the thick, sherrylike Samichlaus lager from Austria or cellar-aged Cantillon lambics of various vintages ($15--$30). 359 Metropolitan Ave at Havemeyer St, Williamsburg, Brooklyn (718-963-4140, spuytenduyvilnyc.com)
Sunswick 35/35
Outsiders think of Queens as the beer-garden borough, but locals know that they've got a craft-beer bar to rival Manhattan's best. The name refers to a creek that used to run from the East River to the area that is now Astoria; today, a rotating selection of beers from top domestic and international breweries ($5--$9) rush through 25 taps. Snag shot-size samples from bartenders before committing, then settle in at a high-top table. The weekday happy hour (3--7pm) is a chance to try great beers at varying discounts, while monthly events showcase serious American hops. 35-02 35th St at 35th Ave, Astoria, Queens (718-752-0620, sunswick3535bar.com)
Small home town feel with family feeling and great help!! Growlers pub & grill in Lyons NY!!
Great list! I've been to most of them, and stayed awhile at each. I'm also happy to see that the people at Rattle N Hum have opened up Beer Authority, a new craft beer bar in Times Square. Same high quality craft beer, and even more of it, with a total of 80 taps.
The Wicked Monk
Once you step into this Bay Ridge pub, you're transported to County Cork. The Wicked Monk is adorned with the original stained glass and wood fixtures from the 18th-century Greenmount Monastery chapel in Ireland. To keep with the Irish theme, order a slab of warm shepherd's pie ($21) or platter of crispy fish and chips ($17). The menu isn't just favorites from the Emerald Isle, though. The Wicked Monk serves up everything from pulled pork quesadillas ($11) to Philly cheesesteak mac and cheese ($17) to mussels steamed in white wine ($12). And that's just for dinner—stop by for brunch to sample a full Irish breakfast with black and white puddings ($15) or challah French toast with mascarpone cream and berries ($11). Of course, we'd be remiss to not mention the drinks. Whether you're in the mood for a specialty cocktail or a pint, the bartender can surely help you out.
Venue says: "Mardi Gras Thursdays - Live Music by the Bayou Boys!"


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Participate in Harmony Sweeps A Cappella Exposition
Clear Day
TO: A Cappella Groups with Items to Merchandise,
Are you in an a cappella group or affiliated with an a cappella activity or product?
We expect the 2005 Rocky Mountain Harmony Sweepstakes to be one of the best ever. It's scheduled for 7pm on Saturday, March 28 at the Teikyo Loretto Heights Theater inDenver . It's a show no a cappella fan would miss.
These activities will take place in a 1,600 square foot carpeted and spacious lounge area, an "exposition" we call A Cappella Celebration Hall, that complements the Saturday evening activities. This is a chance for you to cash in! Not just financially, although well over $1,000 was spent last year in a much smaller and more crowded area, but in audience awareness and fan acknowledgement. We plan to double the dollars this year, with more audience, more space and more products. In addition, we'll have entertainment and refreshments to encourage participation – and it will open an hour before curtain (6pm) and will continue again through intermission.
Flesher-Hinton Music Company of Denver, principal sponsor of the RM Harmony Sweeps, will be the signature exhibitor in A Cappella Celebration Hall, and will offer their own selection of a cappella oriented items, from songbooks to pitch pipes and beyond. But that's only the tip of the iceberg. A half dozen vendors have already signed on and we expect to have no problem filling the space. Our friends, the Mile High Chapter of the Barbershp Harmony Society (formerly SPEBSQSA) will, as before, assist us to properly staff the operation. It will be first rate.
Alan Welty, our associate producer and business manager, has set this up with all of you a cappella fans in mind. To make it work, we need you to give it your immediate planning and attention. We invite two categories of product: media items and a cappella fan items. Here's a list of products to consider:
· CDs or tapes of competing and Harmony Sweeps-connected groups
· DVDs and videos in the same general categories
· A Cappella Songbooks and Published Arrangement compilations
· "Fan Club" T-Shirts, Bumper Stickers, Photos and Posters
· Commemorative a cappella items from wherever
1) You must be authorized to sell the items;
2) You must set your prices at $5, $10, $15 or $20; and
3) You are limited to 4 imedia items and 4 fan items.
Note: No items may be sold or distributed in or around the Theater, except through this consignment arrangement.
More specific information is available on the enclosed pdf Consignment Form. Check it out and, if you wish to participate, respond by March 10 with your selections and your approval. Alan's contact information is on the form.
Thanks for making this an even more exciting Harmony Sweepstakes.
Rol Sharette


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Richmond, BC, Canada < change city >
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Offering all-inclusive wedding services in a beautiful 1891 Heritage Chapel; Minoru Chapel is situated in Minoru Park, Richmond, British Columbia. It is close to the Vancouver International Airport for those coming from out of province or country.
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|Ceremony Sites, Parks/Recreation, Officiants
6540 Gilbert Road
Richmond, British Columbia, Canada
604 687 7068
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Vancouver Bc Wedding In July
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"A little pricey but well worth it. The property is very well groomed, the minister was fantastic and they even ring the church bells after the ceremony. It was absolutely perfect."
Richmond Wedding In August
"We absolutely LOVED Minoru Chapel. It was perfect. The staff are amazing and put up with all of our particular requests. We had a harpist and she played beautifully any songs that we asked her to! The chapel itself is gorgeous, It is over 100 years old and you can feel the history while standing inside. The stained glass windows and tapesteries on the wall are so beautiful. The gardens outside of the chapel are also gorgeous, that is where we got our pictures taken. (butterflyphotography.ca - amazing photographers for amazing prices!) They turned out perfectly. My favourite shots are the ones with the chapel in the background. It is just so pretty! Our usher rang the bells for us as we were leaving the chapel and it was such a perfect moment!"
Mogie and Troy's Wedding
"The people at Minoru Chapel were so helpful and made the whole process very fun and exciting."
The Chapel At Minoru Park Wedding In September
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Laura and Jared 's Wedding
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6540 Gilbert Road Richmond Wedding In June
Laura and Jared 's Wedding
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Our Wedding
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Richmond Wedding In September
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Rirchmond Wedding In June
Richmond Wedding In June
Jill and Spencer 's Wedding
The Chapel at Minoru Park
6540 Gilbert Road
Richmond, British Columbia, Canada
604 687 7068


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Unfortunately, the lack of quality screen options is our main bugbear with most AIO PCs, and the 23in, 1,920 x 1,080 Toshiba joins the crowd. You see, like budget monitors, most AIOs use TN panels, which suffer from poor viewing angle characteristics. The only readily available exceptions are the 27in iMac and
HP TouchSmart 610, which both use high-quality IPS panels – the same type used in monitors for professional photographers and digital artists.
Thankfully, the Qosmio DX730's screen is at least one of the better TN displays we've come across, nearly rivalling that of the 21in iMac. Viewing angles do suffer from the tech's telltale contrast shift, but you have to be quite far to the side to see it. Colour shift is a bit more dominant with whites turning yellow quickly, but this is less of an issue for daily use.
The good news continues with contrast, which is up there with the best of the rest. Blacks are deep without compromising subtle dark detail, and colours are reasonably vibrant without being oversaturated. The glossy screen finish does cause annoying reflections but also enhances the perception of these strengths. Excellent sharpness and no noticeable artefacts round out a good performance, though the colour shift means it's not ideal for colour-sensitive work.
Though Toshiba has partnered with Harmon/kardon for its laptop speakers with superb results in the past, for its first AIO PC it has decided to go with Onkyo. Of course, with gems like the Onkyo TX-NR709 under the latter Japanese company's belt, that's certainly no bad thing, and in practice it does lead to good performance – if not quite as impressive as we were hoping.
The speakers offer up plenty of detail at a decent volume level, though distortion does creep in at maximum. The subwoofer is a tad subpar, providing just enough oomph to make its presence felt but never giving adequate punch to match the average dock, for example. Overall, it's not a huge step above the MSI Wind Top AE2400 but for most activities, external speakers won't be required.
Speaking of which, the Qosmio DX730 shares the same awesome Sleep & Music technology we first came across on the Toshiba NB520. This means you can plug in an MP3 player or other audio source and use the PC's speakers even when it's turned off. It's a genuinely useful innovation that we wish every computer offered.
Does it play/record HD freeview through the TV tuner?
With desktop PC sales on a steady decline... so Toshiba brand-new Qosmio DX730 range isn't all that odd.
Toshiba's maybe?
Windows supports that natively through media centre, but it doesn't look like the tuner is high def.
It describes above as ..."Unlike the Apple AIO though, the DX730's stand can be removed for wall mounting."
i have been unable to find anywhere instructions as to how to do this, and indeed Toshiba when i asked them said that it is NOT wall mountable
Do you have info that helps put it on a wall mount ?
The mouse that comes in the packet is the worst mouse ever made throughout the mankind's history. Especially on textile surface the pointer jumps all around the screen without any control. So a new mouse is the very first occupier of the USB-ports.
on mine, there is a sector in the senter of the touchscreen (about two by one inch) that doesnt work, is there any way to calibrate the touchscreet, or st.?
More information -
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Vallejo in the News:
5/26/09-All-Dade (The Miami Herald)
Spring 2012: Accumulated a 3-1 record in singles play ... Went 2-1 in doubles ... Earned his first collegiate victory in GSU's spring opener against Lipscomb ... Defeated Lipscomb's Daniel Hernandez 6-3, 3-6, 1-0 (10-3) ... Teamed with Thomas Cook to take an 8-6 win at No. 3 doubles vs. #64 ETSU ... Won two singles matches against Georgia Southwestern State and Morehouse.
Miami Dade College (2010-11): Attended school for three semesters prior to transferring to Georgia State ... Did not compete while attending school.
Prep: Vallejo earned the Sportsmanship Award from the USTA Florida Committee in 2005, 2007 and 2008 ... Named the Miami-Dade County Junior Athlete of the Year by the City of Miami ... 4A District Champion ... Member of the Peru Davis Cup team since 2008 ... Ranked No. 1 in U10, U12, U14 and U18 during prep career ... Won Boys U18 doubles and U18 mixed doubles Florida Championships in 2010 ... Won the North Florida Junior Designated Tournament in Tallahassee, Fla. in 2008 ... Played for Coral Gables High School for one year at the No. 1 singles and No. 1 doubles positions ... Appeared in a Miami Herald article after being named First Team Singles by the newspaper in 2009.
Personal: Michael A. Vallejo was born on May 10, 1991 in Lima, Peru ... Son of Alberto Vallejo and Gladys Zavaleta who are both tennis coaches ... Has one sister, Nanely Tippens-Vallejo (33) who achieved a No. 1 ranking in the ITF Junior Girls 18 & Under circuit and a Top 10 ranking in the WTA ... Enjoys music, movies, running, swimming and fishing with his father ... Favorite athletes are Kim Clijsters and Agnieszka Raduanska ... Majoring in public relations.


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Plasticville O & S Gauge Greenhouse with Box
- Sold for: Start Free Trial or Sign In to see what it's worth.
- Item Category: Toys, Dolls, Games & Puzzles
- Source: eBay
- Sold Date: Apr 01, 2013
- Channel: Auction House
Plasticville greenhouse in nice, clean condition. Item was unpacked, set up, and disassembled, and returned to its box. The box is in great shape, with some slight soiling.I can ship to any U.S. postal address for $6.50. Sorry, NO foreign shipments. Thanx for looking!!!


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founded in 2005, ca. 60 people
Please note: This website went online Feb. 1st, 2017, and we're still in the process of entering all the data.
The Community Research Project is an initiative that wants to develop a greater understanding of the principles of community and create more awareness of the experience and knowledge gained by long-term intentional communities all over the world.
What is an Intentional Community?
"A group of people who have chosen to live together with a common purpose, working cooperatively to create a lifestyle that reflects their shared core values."
Community Research Project
Wiesbadener Straße 18
14197 Berlin, Germany
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Left turn whining noise
Hi guys, I started noticing this problem and I need your expert help.
The noise comes on only when I turn left and I give it gas. If I just cruse with my foot off the gas (on the same turn) no noise.
It sounds like the noise is coming from the right side however, even though I am turning left. Perfectly fine if I turn right, no problems at all.
So, I am thinking it can't be a bearing or tire, it has to be something that is related with "what drives that wheel" (front right).
Of course, I may be wrong. I need your help.
Any input is much appreciated.
Vehicle is a WK 2007 QDII, Limited, Hemi
Re: Left turn whining noise
Nobody? Really?
Re: Left turn whining noise
Is it making a humming noise? When you turn left you are loading the right tire. First thing I would do it jack the right tire off the ground and put your hands at the 12 and 6 o'clock and see if it moves up and down. Then try the 3 and 9 o'clock. If you feel play then it is the wheel bearing.
Also when is the last time your differential and transfer case fluids were changed?
Re: Left turn whining noise
viking757, thanks for your reply.
To better explain the sound, I guess is more of a subtle, muffled wawa whine than anything else. I have owned a WJ with Quadra Drive before this one and I know what the whine/grind sound is like when it needs fluid changed in the diff. I've been there, done that. This is a much less obvious sound and only appears when I'm on the gas while turning left (only). Could be it a CV joint or a control arm?
I will try to see if it has any play in the wheel, but the fact that it only makes the noise when I give it gas and not when I don't that sort of rules out the bearing, doesn't it?
Also, I didn't mention this on my original post, but usually for it to make the noise I'd have to turn left at a 90 degrees turn or so, and do about 30+ MPH. If I go slower, no noise. Just to give an example, it would be turning left onto another road, would most of the time make it happen if I'm on the gas. If I just cruise through it, no problem.
I only have 50K miles on the Jeep and I am the second owner, so I guess the fluids have not been changed since it was new. I have high doubts that this Jeep had been abused or even taken off road ever. It's been pampered, and everything seems to be in tip-top shape. I also take good care of it, and don't ever abuse it, but of course that doesn't mean things would never go south...
Thank you guys!
Re: Left turn whining noise
No problem that's why we are here:thumbsup:
I would check the bearing first. It makes sense if the noise is apparent if you are on the throttle through the turn as this is loading the outside front wheel more than if coasting through(Also the faster you are going the more force on that wheel etc..). I would say your wheel bearing is in the early stages of going out. Check the condition of the CV boots but generally a bad CV will make a clicking noise in tight turns.
Re: Left turn whining noise
Thank you viking757. Your input is greatly appreciated.
I'll keep you posted with the findings soon.
Re: Left turn whining noise
Re: Left turn whining noise
Please keep us updated because I have this exact same issue too - pretty much have noticed it since 20K miles or so. Took it to the dealer to have them check it out but we could not recreate it. I am wondering if it is because I had a passenger - I usually notice it when riding alone, but then again that is typically the only time I am driving with the windows down.
Re: Left turn whining noise
Guys, there is no play in the right front wheel whatsoever.
This morning I drove in to work and noticed how it made the sound on one particular case, and I said, on my next turn I am going to really gun it and see if it makes it worse or not?
To my surprise, it didn't make the sound. I am very sure I should've heard it if it did. My Jeep is absolutely stock except HIDs and LED's on my tails.
I am back to square one. I will however try to get a sound recording of the sound and post it for you guys to hear it.
On another note, it needs new front rotors and pads. I was thinking to go with a new set (front and rear) of those drilled/slotted rotors and ceramic pads. I heard nothing but good reviews on them.
What do you guys think?
Again, thank you all for your time and input!
Re: Left turn whining noise
I went through R1concepts for pads and rotors. Got a great deal and couldn't be more pleased.
Re: Left turn whining noise
Guys, I just had a new set of rotors and pads installed on all 4. Is it possible that the noise issue may have been related with the brake on that side? I think the noise issue went away.
I need to drive it more and see, but I am pretty sure I couldn't hear it anymore...
Any thoughts?
Re: Left turn whining noise
Could be as simple as low power steering fluid. I have to top off on occasion.
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By Gord Bowes, News staff

Love hot Latin music and dancing?

The Heart and Stroke Foundation has a unique fundraiser for you.

It's the third annual Salsa for Heart — a chance to dance, or learn to dance, the lively, sensual style.

"It's a good, healthy activity," says Dr. Catherine Demers, a Hamilton cardiologist who wanted to give back to the foundation, which has funded some of her research.

Demers co-founded the event with Dr. Carlos Morillo.

"I felt it would be a good way to get people involved in the Heart and Stroke Foundation," she said.

This year's Salsa for Heart fundraiser takes place on Friday, April 11 at the Bay City Music Hall, upstairs from Leander Boat Adventure Club at 50 Leander Dr.

The night begins at 8 p.m. with DJ Gury Gury. At 9, there's a an hour of salsa lessons from Nuvitzo Dance before participants get to strut their stuff at 10.

That will be followed by performances from Guayaberos, Nuvitzo Dance and MacDance and a second set from Latin Swing Orchestra from midnight until 1 a.m.

"You don't have to know anything about salsa," said Alfonso Tinebra of the Hamilton office of the Heart and Stroke Foundation.

"Anyone from beginner to expert. Everyone's welcome."

Proceeds will go to Heart and Stroke Foundation research and activities.

Nearly 6,000 people in the Hamilton area are hospitalized each year for heart disease and stroke-related conditions, according to the foundation, and 16 per cent of residents over age 12 have high blood pressure, the number 1 risk factor for stroke.

For more information about Salsa for Heart, call Tinebra at 905-574-4105 or see salsaforheart.ca for details or to make a donation.


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Stretch Test - how quickly do results change?
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Join Date: Dec 2010
Posts: 21
Friday, December 21, 2012 at 04:41AM
: Protein
The problem may be doing all of those things at once! What usually causes that hard and dry hair feeling is protein. I think the issue you are having is protein overload. If your hair was doing just fine without protein, then you added those 3 proteins from the natures gate conditioner, you may have completely overloaded your strands. Imagine someone that usually eats a small plate of food daily and has always been fine. Then all of a sudden they decide to eat 3 large plates of food in one sitting. That is a shock to the system and so is introducing hair to protein, especially when it hasn't given you any inclinations that it actually needs it.
DON'T WORRY! My suggestion would be to switch back to the old conditioner you were using. Normalize your hair before trying anything new and try one thing at a time but I think you know that now. I am not a fan of ACV + BS because you are basically mixing an acid and a base on human hair. If you must do this, normalize your hair before trying it again to see whether it is beneficial for your hair.
What was the protein free conditioner you were using?
I have a youtube channel [cassochinadoll] where I explain the difference between protein sensitive and protein overload and how to tell which one you have.


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Duke to Succeed Scott at Wal-Mart; Castro-Wright is Vice Chairman
December 8, 2008,
The Wal-Mart Stores board of directors has elected Mike Duke, 58, to succeed Lee Scott as president and ceo, effective Feb. 1, 2009, and has promoted Eduardo Castro-Wright, 53, to vice chairman.
Castro-Wright will add management of overall global procurement to his current duties as president and ceo of Walmart U.S.
"This management change occurs at a time of strength and momentum for Wal-Mart," said Rob Walton, chairman of the Wal-Mart board of directors. "Our overall management team has never been stronger. We are confident that the strategy we have in place is the right one for future success and Mike has been actively involved in developing and executing this strategy. We are also pleased that our succession and management development process continues to develop leaders internally."
Duke has had stints in charge of the Wal-Mart logistics division; U.S. operations; and international operations.
"I am looking forward to leading this great company," Duke said. "Wal-Mart is very well positioned in today's economy, growing market share and returns, and is more relevant to its customers than ever."
"Lee Scott has made an extraordinary contribution to Wal-Mart during his almost 30 years of service as an associate, and as our president and ceo for the last nine years," Walton said. "Lee has led Wal-Mart with humility and grace, and has been a worthy successor to his predecessors, Sam Walton and David Glass."
Walton added, "My dad would have been proud of Lee and his accomplishments. Lee brought a remarkable focus to our mission of saving people money so they could live better, and a heightened sensitivity to Wal-Mart's role in the world. The actions taken during his tenure will benefit the company, our associates and our customers for years to come. We are pleased that Lee will serve as an advisor to Mike for a period of time, much as David Glass did for Lee."
The company indicated that it will make an announcement on Duke's successor as president of Wal-Mart International by the end of the fiscal year.
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Blueprint for a Creative Culture: Building engagement in your organization
Blueprint for a Creative Culture: Building Engagement in Your Organization
Note new date
Kate Rutter, Senior Practitioner, Adaptive Path
As leaders, managers and workers, we're responsible for the innovative thinking needed to explore ideas and envision solutions. It takes a team approach to create a culture that embraces creativity. How can workplace culture support creative thinking? What activities foster curiosity and collective engagement? A design diva shares her success with Fortune 500 clients and introduces elements needed to get there.
MLF: Business & Leadership
Location: SF Club Office
Time: 5:30 p.m. networking reception, 6 p.m. program
Cost: $8 members, $20 non-members, $7 students (with valid ID)
Program Organizer: Kevin O'Malley


text:
FOXBOROUGH, Mass. -- Rapid reaction from the Patriots' 59-24 win over the Colts:
What it means. The Patriots tie the franchise record for points to improve to 7-3 and maintain a solid cushion atop the AFC East, while keeping pace with the top teams in the conference overall. They started slowly before exploding. The Colts drop to 6-4. The last time the Patriots scored 59 points in a game was October 2009 against the Titans.
Talib pays early dividends with INT return. Cornerback Aqib Talib's 59-yard interception return for a touchdown in the second quarter was one for the highlight reel. The interception itself wasn't anything out of the ordinary -- Colts rookie quarterback Andrew Luck had a bad overthrow as rushing defensive lineman Vince Wilfork seemed to affect his mechanics -- but Talib's zig-zagging runback was sensational. Talib started at left cornerback and played most of the game, the Patriots occasionally giving him a conditioning-based breather. While Talib had some hiccups in coverage -- he was beaten for a long touchdown by T.Y. Hilton in the fourth quarter and hardly could be viewed as a shutdown corner in the game -- it was an overall successful debut because of the interception return.
Edelman brings spark. Julian Edelman was elevated up the Patriots' receiver depth chart after the Saturday release of Deion Branch, and he was one of the Patriots' top players in the game. His 68-yard punt return for a touchdown in the second quarter was a momentum-swinging, crowd-igniting play as the Patriots had trailed 14-7 at the time. It was Edelman's third career punt return for a touchdown (in four seasons) and as part of his end zone celebration, he cast a line as a fisherman and reeled it in. Creative. He later had another big punt return, and at receiver, he finished with five catches for 58 yards and a touchdown, while adding one blazing run for 47 yards.
Ankle injury for top pick Jones. Impressive defensive end Chandler Jones, a mainstay who entering the game had been on for 90.9 percent of the team's snaps, left in the first quarter with an ankle injury and didn't return. At first, Jones had his right foot retaped on the sideline and attempted to walk it off. But he then went back to the locker room for X-rays. He returned to the sideline in the second quarter, in uniform, but wasn't with his teammates for the second half. This will be a big injury situation to monitor.
Gronkowski puts up big numbers. The Colts had no answer for tight end Rob Gronkowski, who currently leads fan balloting for the AFC Pro Bowl. Gronkowski finished with seven receptions for 137 yards and two touchdowns, marking the ninth time in his three-year career that he's eclipsed the 100-yard mark. Gronkowski went to the locker room late in the fourth quarter, so he might have been dealing with some type of injury, which will be something to monitor.
Defense thrives again off turnovers. The Patriots' defense stayed true to its identity -- giving up yards, starting slowly, but living off turnovers. The Patriots entered the day as the NFL's best team in turnover differential and had two interception returns for a touchdown (Talib's 59-yarder and Alfonzo Dennard's 87-yarder), and defensive end Rob Ninkovich added a second-half strip sack and fumble recovery (his fifth forced fumble of the season, which ties a Patriots record). Rookie safety Tavon Wilson added a late interception.
Boos for Vinatieri. It's been seven years since kicker Adam Vinatieri left the Patriots for the Colts, but New England fans -- who were the beneficiary of Vinatieri's clutch kicks en route to three Super Bowl championships -- haven't forgotten. They booed every time Vinatieri's name was mentioned by the public address announcer.
What's next. The Patriots have a quick turnaround with a Thanksgiving night game at the Jets (NBC, 8:20 ET). The Colts return home to Indianapolis to host the Bills on Sunday.


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Today is the first day of winter, and many paddlers in colder climates have already packed away their boats for the season. That's too bad, because with a little gear and good planning, you can boat straight through the winter while having a great time and staying safe. We caught up with four paddlers in the blustery Northeast who have the right attitude, and these tips to keep you going strong through the winter.
1. "It's better to stay warm on the river than to try and warm up later," says Joey Tee of the BadNews BoatSquad in Massachusetts. Just like when hiking or skiing, wearing many layers is key. Start with a base layer of thermo skin (long johns) both pants and shirt. Cover that with heavy layers of fleece before jumping into the dry suit. As for the hands, Tee's bet is to go with pogies. They keep hands warm generally down to 0 degrees and offer quick exit so the paddler is free to do rope safety when needed.
Tee's winter trick: "I usually carry birch bark and a lighter in a dry box. It's always good to have a fire if needed."
2. "Combined water temperature, air temperature and paddler IQ should equal at least 100 before I'll paddle in winter," Jeff Swett, president of Merrimack Valley Paddlers, New Hampshire. Swett cautions against taking any unnecessary risks when paddling through the winter. Checking for strainers, paddling with friends, the usual safety plans that are important during the rest of the year could become crucial in winter. Also be knowledgeable of winter rescue and safety: what to do about hypothermia, etc.
Swett's winter trick: "I always have a thermos of tea or cider either in the car for the takeout or in the kayak for longer paddles."
3. "Winter is the time to train," Jeremy Laucks, owner of Blackfly Canoes, New Hampshire. Winter is the season to step back a bit and stick to familiar water. It's the perfect time to hone in eddy catching, ferrying, and stroke technique and skills. "I really look at winter paddling as staying in shape to be ready for when the snow melts in the spring," Laucks says.
Laucks' winter trick: The final crucial piece of gear is a good neoprene hood. I've got one I made out of an old sprayskirt, though the dive hoods work well too."
4. "Look out for ice," – David Brucas, whitewater trip leader for Appalachian Mountain Club, New York. In the winter, ice can add danger to otherwise easy rivers by acting as a strainer or undercut. Ice along the banks can also make putting on or getting off the river a little precarious. Before hitting the river, scout as much as possible for ice shelves, especially in eddies along the banks that force you to look elsewhere when catching them.
Brucas' winter paddling trick: "I keep chemical heaters (reusable sodium acetate liquid packs) in the truck for hypothermia victims. Trigger them on, then stick them under their armpits. Also have a few big ones for the seat and back."
The coming of winter does not have to mean the end of boating. Rather, knowing how to prepare for winter paddling can offer boaters a new way to experience the rivers they love the rest of the year.


text:
This reader-friendly introduction to the fundamental concepts and techniques of numerical analysis/numerical methods develops concepts and techniques in a clear, concise, easy-to- read manner, followed by fully-worked examples. Application problems drawn from the literature of many different fields prepares readers to use the techniques covered to solve a wide variety of practical problems. Rootfinding. Systems of Equations. Eigenvalues and Eigenvectors. Interpolation and Curve Fitting. Numerical Differentiation and Integration. Numerical Methods for Initial Value Problems of Ordinary Differential Equations. Second-Order One-Dimensional Two-Point Boundary Value Problems. Finite Difference Method for Elliptic Partial Differential Equations. Finite Difference Method for Parabolic Partial Differential Equations. Finite Difference Method for Hyperbolic Partial Differential Equations and the Convection-Diffusion Equation. For anyone interested in numerical analysis/methods and their applications in many fields
"synopsis" may belong to another edition of this title.
This is an introduction to the fundamental concepts and techniques of numerical analysis and numerical methods for undergraduates, as well as for graduate engineers arid applied scientists receiving their first exposure to numerical analysis. Applications drawn from the literature of many different fields will prepare students to use the techniques covered to solve a wide variety of practical problems. There is also sufficient mathematical detail to prepare students to embark upon an investigation of more advanced topics, especially in PDEs. The presentation style is what I like to call tell and show. This means that the concepts and techniques are first developed in a clear, concise, and easy-to-read manner, and then illustrated with at least one fully worked example. In total, nearly 250 fully worked examples are presented to help the students grasp the sequence of calculations associated with a particular method and gain better insight into algorithm operation.
The text is organized around mathematical problems, with each chapter devoted to a single type of problem (e.g., rootfinding, numerical calculus: differentiation and integration, the matrix eigenvalue problem, and elliptic partial differential equations). Within each chapter the presentation begins with the simplest and most basic methods, progressing gradually to more advanced topics. Early chapters generally contain easier material, while later chapters proceed at increasing levels of difficulty and complexity. Throughout, emphasis is placed on understanding and being able to work with the key concepts of rate/order of convergence and stability, and assessing the accuracy of numerical results. This emphasis helps students develop skill in numerically verifying theoretical convergence speed. More importantly, the text emphasizes that it is not sufficient to obtain the correct answer from a numerical algorithm; one must also check that convergence toward the correct answer is happening at the correct speed. I have always felt very strongly that a textbook must provide students with some means of checking their understanding and honing their skills, some means of making the knowledge their own. This is invariably accomplished through the exercises. This text features more than 1200 numbered exercises (many with multiple parts) organized into exercise sets at the end of each section. Each exercise set contains problems designed to provide students with the opportunity to practice (with paper, pencil, and calculator) the sequence of calculations associated with a particular method. The exercises usually also require the verification of theoretical error bounds and/or theoretical rates of convergence. Additional exercises may require the derivation of a method, an examination of conditions under which methods perform better or worse than predicted by theory, or extension of material presented in the section. Many exercises require students to code a numerical method on the computer and then use that computer code, and many exercises are application problems that require interpretation of results.
Distinctive Features
A quick scan of the table of contents will reveal that certain topics typically found in a book of this nature, such as approximation (orthogonal least-squares, FFT, rational function approximation) and optimization, have been omitted. In place of these topics is an extensive coverage of material not usually found, or only briefly discussed, in other texts. This extensive coverage includes treatment of non-Dirichlet boundary conditions, and artificial singularities for one-dimensional boundary value problems; treatment of non-Dirichlet boundary conditions, the multigrid method and irregular domains for elliptic partial differential equations; treatment of source and decay terms, non-Dirichlet boundary conditions, polar coordinates and problems in two space dimensions for parabolic partial differential equations; and treatment of the advection and convection-diffusion equations. Why did I select such nom-standard topics for inclusion? My primary objective in writing this text was to create a book that would allow students to immediately apply the numerical techniques they have learned to real-world problems. After reviewing technical journals and textbooks to determine the most commonly used basic numerical techniques and discussing topics with my colleagues and non-academic scientists/engineers, I felt that students would benefit more from an expanded coverage of boundary value problems and partial differential equations than they would from a superficial coverage of these same topics and inclusion of those topics which have been omitted.
In keeping with the objective of preparing students to apply numerical techniques, an extensive set of application problems has been compiled from the literature of many different fields. Physics, biology, chemistry, chemical engineering, thermodynamics, heat transfer, electrostatics, ecology, manufacturing and sociology are among the fields represented. Each chapter opens with outlines of several real-world problems which serve to motivate the study and to demonstrate the broad applicability of the class of methods which will be treated in that chapter. Application problems then appear throughout the chapter as both worked examples and exercises. An added benefit of the application problems is that they afford the opportunity to discuss practical issues, such as introducing nondimensional variables, treating singularities, and manipulating problems into the form required by a particular method. Perhaps the most distinctive feature of this book is the minimal amount of pseudocode which appears. This feature is in marked contrast to other introductory textbooks on numerical analysis, which tend to have a lot of pseudocode, and usually some Maple and/or MATLAB code fragments, too. Unfortunately, it has been my experience that most students don't use pseudocode properly. What is intended by an author as a teaching tool, more often than not, is used by the students just to expedite the completion of an assignment. Instead of digging through each line of code to develop a deeper understanding of how and why each method works, the student simply translates the code into whatever happens to be the language of choice: When this happens, little or no transfer of knowledge takes place. The end result in such a case is that the presence of pseudocode hinders, rather than promotes, student learning. For this reason, I have chosen to include eudocode only when the natural language description of an algorithm became too mbersome or when the pseudocode was needed to develop some other essential idea. Although pseudocode has largely been removed, students have most certainly not been left without guidance in the production of efficient, working code. Where appropriate, programming hints have been provided, and important implementation details have been discussed. Then, of course, there are the worked examples. These provide dynamic demonstrations for each of the algorithms being developed and contain sufficient detail to suggest an overall structure for the implementation of the algorithm. Furthermore, to recognize that structure, the student will have to become actively involved with the details of the example. Thus, when compared with pseudocode, which is a static representation of an algorithm, worked examples are, in my opinion, the superior alternative.
Supplements and Software
This text is accompanied by an Instructors Solutions Manual that can be obtained (by instructors only) by contacting either the local Prentice Hall sales rep or firstname.lastname@example.com. There are also 70 plus pages of Answers to Selected Exercises for students, found on the website
To accommodate differing viewpoints on the pseudocode issue, implementations for all of the methods developed in the text can be downloaded via the Internet. Each method is available in MATLAB and C++ formats. Depending upon demand, Maple, Mathematica, MathCad and Fortran implementations may be added. Instructions for using the MATLAB functions are contained in the header of the corresponding m-file and are accessible through the standard MATLAB help (function name) facility. Each C++ function is described in the comments at the beginning of the code. The main page for obtaining the software is located at www.pcs.cnu.edu/~bbradie/textbookcode.html .
To the Student
The best advice that I can give for working with this textbook is to be an active reader. This means that each time you come to a worked example, you should verify the results of all calculations on your own and attempt to fill in all of the missing details. A similar procedure should be employed for each proof that you read. Working in this fashion will not only hone your general mechanical and analytical skills, but will also significantly improve your understanding of how and why each numerical method works, and will stimulate the process by which you assimilate new knowledge and make it your own. The most common stumbling block encountered by numerical analysis students is difficulty in translating the natural language description of an algorithm into working computer code. Here is a scheme that you may find helpful in overcoming this problem. Start by identifying the inputs. The inputs should include every item that must be known for the code to perform its intended task. Don't forget values that are needed to control the termination of an iterative process. Next, identify the outputs, which are, of course, the values which the code is supposed to compute. Once the inputs and the outputs have been clearly identified, focus on the construction of a logical and well-defined sequence of steps that will produce the outputs from the inputs. The worked examples should prove extremely useful at this point. Finally, convert each step into the appropriate set of assignment statements, conditional/branching statements, loop structures and function calls. As with any new skill, the more you practice, the better you will become.Review:
"I am extremely impressed with Bradie's book. His passion for explaining things as clearly and understandably as possible, his thorough research of the literature for bringing relevant and pedagogically sound examples from outside mathematics, and his crisp and clear style will certainly make this text an instant success. This is one of the better texts in Numerical Analysis that I have ever seen, and I congratulate the author for producing such a gem." — Alejandro Engel, Rochester Institute of Technology
"The chapters in this book are of uniformly high standards. Chapter 1 in particular is a gem. The treatments of floating point number systems and of floating point arithmetic are especially good. These are topics that are often glossed over in other books, and which are often difficult for students to grasp. The book is extremely well written: the style is clear, the prose flows smoothly, the pace is unhurried, the tone is friendly and conversational, the examples and exercises are interesting and-relevant, and the amount of detail is far greater than in any textbook of its kind that I have ever seen. For these reasons, it will certainly appeal to my students." — Richard Zalik, Auburn University
"I think the tone will appeal to my students: It is relaxed and friendly without being wordy and effusive. The style is a very readable compromise between proof and technical detail on the one hand, and concepts with applications on the other. I think he addresses this fundamental challenge in a way that my students would like. Bradie has decided to include lots of worked examples accompanied by plots. The plots facilitate the inclusion of such a large number of examples, by succinctly communicating the point of each. This reduces the effort needed to understand the ideas behind the example, (I think students simply will not read the book if it takes too much effort. Bradie can include more exercises than is typical because the illustrations ease the communication.)" — Mark Arnold, University of Arkansas
"I like the way Bradie presents the materials in each chapter. He gives a mathematics review on what is needed at the beginning of each chapter. After refreshing students' memories, he begins with the simplest, most basic methods and then progresses gradually to more advanced topics. The book is well written and student-friendly. It provides a lot of examples and exercise problems. The book is written in the way that is easy for students to read. For instance, for each method, there is at least one fully worked example that helps students to understand the concept and the method." — Kuiyuan Li, University of West Florida
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Mr. Co-Chairman and members of the Commission, thank you for inviting me to appear today to discuss the need for Social Security reform. I am here representing the Concord Coalition, a nonpartisan grassroots organization dedicated to strengthening the nation's long-term economic prospects through sound and sustainable fiscal policy.
Concord's co-chairs are former senators, Warren Rudman (R-NH) and Sam Nunn (D-GA). They, along with our approximately 200,000 members who hail from every state, have worked for nine years since the organization's founding by the late Paul Tsongas, Senator Rudman, and former Commerce Secretary Peter G. Peterson in 1992 to encourage elected officials to make the tough choices required to deal with the economic and fiscal challenges that will occur as the nation's population becomes sharply older in coming decades.
Given these objectives, The Concord Coalition heartily welcomes the effort of this Commission to strengthen Social Security for future generations. We stand ready to assist you in producing a credible plan for dealing with Social Security's long-term challenges in a fiscally responsible and generationally fair manner.
My statement today will concentrate on the need for Social Security reform, rather than the details of specific options. As the nation grapples with the challenges facing Social Security, The Concord Coalition has noticed an unfortunate tendency to rush into a debate over the pros and cons of specific reform options before fully considering the overall problem, and without stopping to consider what will happen if we do nothing. Details of reform plans are, of course, important. But before we can possibly agree as a nation on what the solution is, we need to first define the problem.
Putting Social Security reform in context
Social Security does not exist in a vacuum. The problems it will face in the future are part of a much larger retirement security challenge. And to be clear, the retirement security challenge is not just to find some extra cash for Social Security. The challenge is to prepare for the demographic tidal wave that will transform our work lives, our health care system, our economy, and our culture.
The truth is that America, along with the rest of the developed world, is about to undergo an unprecedented demographic transformation for whose vast cost it has no idea how to pay. The General Accounting Office (GAO) has estimated that without changes the combined cost of Social Security, Medicare and Medicaid will double as a share of the economy by 2030 and triple by 2050. This can only result in one of three outcomes: large tax hikes, resurgent and unsustainable deficits, or the withering away of the rest of government ¾ allowing spending on the poor, on infrastructure, and on defense to steadily decline decade after decade.
Given demographic trends, the economy in the future will be called upon to transfer a rising share of real resources from workers to retirees. These resources will be much easier to find in a healthy growing economy than in a stagnant one. The best way to achieve economic growth and increase real income in the future is to increase savings today. Savings provide the capital to finance investments, which will enhance productivity and increase the amount of goods and services each worker can produce. Without new savings reform is a zero–sum game.
Now is the time to begin preparing for the aging of America by designing a retirement system that is both more secure for the old and less burdensome for the young. Demographic and economic circumstances will never again be so favorable for Social Security reform. However, the window of opportunity is rapidly closing.
To put it in more personal terms, consider the table below which looks at where four different generations will be at various times in their lives relative to Social Security's current outlook. What may sound like a distant and abstract problem becomes more timely and relevant when we consider that today's 30-year old will qualify for full retirement benefits in 2038 ¾ the year of projected trust fund insolvency ¾ and that the system will begin to run growing annual cash deficits before today's newborn even enters the workforce.
Ages of Persons in Four Generations at Significant Dates
90 years old
105 years old
60 years old
75 years old
97 years old
109 years old
30 years old
45 years old
67 years old
79 years old
104 years old
15 years old
37 years old
49 years old
74 years old
1. In 2016, Social Security's dedicated tax income will no longer cover all of its expenses. At this point Social Security will become a net drain on the budget as it begins to draw upon its claims on general revenues (i.e., the trust funds.) The cost rate will be 13.1 of taxable pay, up from 10.5 today. Including Medicare Part A, the tax rate will be 16.3.
2. In 2038, all of the assets in the Social Security trust funds will be exhausted, leaving the program able to pay only 73 percent of promised benefits. Closing the gap between promised benefits and dedicated tax income would require a 27 percent cut in benefits or a 43 percent payroll tax increase. The cost rate will be 17.7 percent of taxable payroll. Including Medicare Part A, the tax rate will be 23.7.
3. In 2050, the General Accounting Office estimates that the cost of Social Security, Medicare and Medicaid combined will consume 21 percent of GDP, roughly all total federal revenues assuming that taxes stay at the current level of GDP (20.6 percent). The cost rate of Social Security will be 17.79 percent of taxable payroll. Including Medicare, the tax rate will be 24.99 percent.
4. 2075 is the last year of official Social Security projections. The cost rate will be 19.4 percent of taxable payroll. Including Medicare Part A, the tax rate will be 30.1 percent.
If we reform Social Security today, the changes can be gradual and give everybody plenty of time to adjust and prepare. If we wait, if we follow a do nothing policy now, change will come anyway--but it is more likely to be sudden and draconian and to arrive in the midst of economic and political crisis.
Why reform is necessary
For over 60 years Social Security has provided a vital floor of protection. Its broad range of retirement, disability, and survivors' benefits for millions of Americans makes it an important issue for people of all ages. But changing demographics render the current pay-as-you-go system fiscally unsustainable and generationally inequitable over the long-term. Reversing this trend will require facing up to some hard choices and making far-sighted decisions.
The Concord Coalition has devoted much of its time and resources to promoting bipartisan dialogue on the key long-term challenges facing Social Security, and evaluating potential solutions. Three conclusions stand out:
Conclusion #1 ¾ Changing demographics make the current pay-as-you-go system fiscally unsustainable.
Between 2016 and 2038, the year of projected trust fund insolvency, the system faces a cumulative cash deficit of more than $4 trillion in today's dollars.
By 2038 the annual cash deficit will reach $330 billion in today's dollars ¾ an amount roughly the size of this year's entire budget for national defense.
Closing the gap in 238 would require a Social Security payroll tax hike of 43 percent or a 27 percent cut in benefits.
Over the trustees' 75-year horizon Social Security's cash deficit of $22 trillion in today's dollars far outweighs the cash surplus of roughly $1 trillion through 2016, and the cash plus interest surplus of $3.7 trillion through 2025.
As a percentage of the economy Social Security will grow from 4.17 percent today to 6.6 percent in 2038, according to the trustees.
More importantly, this growth in Social Security's cost will take place in the context of rising costs for other senior entitlements. The combined cost of Social Security, Medicare, and Medicaid will grow from less than 10 percent of the economy today to over 20 percent by 2050. And this assumes no additions to the current programs such as a Medicare prescription drug benefit.
Conclusion #2 ¾ Increasing savings to address the looming challenge is essential.
Conclusion #3 ¾ Generational responsibility requires that prompt action be taken.
Why there is no free lunch
Social Security's dedicated revenues are nowhere near large enough to cover its long-term obligations. This presents policymakers with limited options, none of which is a free lunch:
Borrowing our way out of this problem is not a viable option because the demographic challenge facing the system is not a temporary bulge caused by baby boomer retirements. It is a permanent phenomenon caused by longer life expectancy. Incurring ever-rising levels of debt to plug the gap would consume the savings needed to spur economic growth, and impose higher income taxes on future generations.
Increasing general revenue financing of Social Security might appear to be an easy option in times of budget surpluses. But large perpetual surpluses cannot be counted on, particularly given other budgetary pressures caused by the coming "senior boom." More importantly, however, a large expansion of Social Security's general revenue financing would mark a substantial departure from the program's self-financing tradition. If the link between dedicated contributions and benefits is severed, there will be less to distinguish Social Security from a welfare program, which is one reason the idea has been rejected many times in the past. Another problem with this idea is that it would weaken fiscal discipline within the system.
Closing the gap by traditional means alone ¾ raising taxes on workers and lowering benefits for retirees ¾ would inevitably result in a less generous program paid for at an increasingly burdensome cost. This is a generational lose-lose proposition.
Transitioning out of the current pay-as-you-go system into a partially funded system, with or without individually owned accounts, inevitably requires some group of workers to pay for the pre-funding of the new system while at the same time maintaining funding for those still receiving benefits under the old system. There is no avoiding this transition cost.
Because the present system is fiscally unsustainable, some combination of cost cutting and revenue raising must be enacted. Investment income provides a way to mitigate these changes. However, no conceivable rate of return on investments, standing alone, would be enough to fund currently projected benefits at today's contribution rate.
Moreover, if workers are allowed to invest a portion of their payroll taxes in private accounts there will be that much less revenue left to pay benefits to those in the current program who are already retired, or who are about to retire. As a result, the cash flow deficit, now expected to arrive in 2016 would arrive sooner ¾ perhaps as soon as 2007. This would force policymakers to confront the impending gap between dedicated revenues and promised benefits several years earlier.
Adding personal accounts without using the current payroll tax is not a cost free solution either. It would require higher payroll contributions or a substantial and permanent infusion of general revenues.
The bottom line is that the system requires new savings and this cannot happen without sacrifice in one form or another. The choice we face is not between guaranteed future benefits under the current system and a risky path of reform; it is between reform options that, in different ways, attempt to ensure the fiscal sustainability of fair and adequate benefits over the long-term. And while there is undoubtedly a transition cost to a more funded system, there is an enormous "non-transition" cost to doing nothing.
Despite widespread recognition that hard choices are unavoidable, this difficult work is forced to compete for attention with an assortment of arguments for inaction and reform ideas that purport to fix the problem without asking anyone to give anything up. Here are five of the most frequently used arguments:
Argument #1: Social Security can pay full benefits until the year 2038.
This argument is true as far as it goes, but it does not tell the full story. The Trustees now project that Social Security will be "solvent" until the year 2038 -- meaning that its trust funds will possess sufficient assets, and hence budget authority, to cover benefits until that date. However, trust fund solvency says nothing about fiscal sustainability.
The problem is that the trust funds are primarily an accounting device. Social Security's assets consist of Treasury IOUs that can only be redeemed if Congress raises taxes, cuts other spending, uses surpluses, or borrows from the public. Thus, their existence, alone, doesn't ease the burden of paying future benefits. It is true that when trust fund surpluses are used to reduce the publicly-held debt it does result in higher savings. But experience has shown that trust fund surpluses are just as likely to be spent as saved. It, therefore, cannot be assumed that a trust fund surplus will result in higher savings. Fiscally, it is not the trust fund balance, but the program's operating balance that matters -- that is, the annual difference between its outlays and earmarked tax revenues.
Argument #2: A mere 1.86 percent of payroll increase would cure the problem.
A related argument is that a tax hike of merely 1.86 percent of payroll is all that is needed to restore Social Security to long-term solvency. This claim is based on the program's actuarial balance, which averages projected trust-fund surpluses and trust-fund deficits over the next seventy-five years. In 2001, Social Security's actuarial balance was a shortfall of 1.86 percent of payroll. In theory, this is the amount that Congress would have to raise FICA taxes or cut Social Security benefits, starting immediately, in order to keep the trust funds solvent until 2075.
The proponents of this idea neglect to mention a couple of important caveats. For one thing, "mere" is a relative term: A tax hike of 1.86 percent of payroll is equivalent to a nearly 10 percent increase in everyone's personal income taxes. For another, the solution is not permanent: It assumes that the horizon for trust-fund solvency will forever remain fixed at seventy-five years from today. In other words, it assumes that while we would require the trust funds to be in balance over a full seventy-five years, our children will be satisfied with forty years and our grandchildren will be satisfied with an empty cupboard.
But there's a more fundamental problem. As noted above, any trust-fund surplus is immediately lent to Treasury, leaving Congress free to spend the money it is supposedly saving. For the 1.86 percent solution to ease Social Security's burden on the economy, legislators would have to allow the program's extra interest-earning assets to accumulate unspent for thirty years -- a proposition that seems unlikely and in any event cannot be guaranteed.
Argument #3: Saving the Social Security surplus in a "lockbox" to eliminate the publicly held debt can solve the problem.
Reducing the $3.4 trillion publicly held debt would help grow the economy, exert downward pressure on interest rates, and result in large budgetary savings from lower interest costs. But debt reduction, alone, cannot solve the problem.
In present value terms, saving all of Social Security's projected surpluses would cover only 44 percent of the cash shortfall between 2016 and 2038, the date of trust fund bankruptcy. It would cover only 17 percent of the projected shortfall over the Trustees' traditional 75-year time horizon.
Moreover, there is no guarantee that the reduction in publicly-held debt assumed by lockbox proponents will actually occur. Promising to devote the Social Security surplus to debt reduction is a fiscally responsible goal but it is easier said than done ¾ as this year's rapidly shrinking budget surplus has made clear. Regardless of intent, and despite any bookkeeping devices such as a lockbox, the government can only save the Social Security surplus if it continues, year after year, to take in more money than it needs to pay all of its other bills without dipping into the Social Security trust funds.
Success of the lockbox concept is therefore critically dependent on both the accuracy of notoriously inaccurate long-range budget surplus projections and the willingness of future political leaders to maintain fiscal discipline.
Argument #4: The Trustees are too pessimistic about the future.
Another frequently heard argument is that the Social Security Trustees are too pessimistic--that the projections are unduly gloomy about future economic growth and that with more realistic assumptions the Social Security problem disappears.
It is true that the Trustees project that the economy will grow more slowly in the future than it has in the past. But this is a matter of arithmetic, not pessimism. Economic growth (GDP) depends on workforce growth, and this will fall to near zero when the Boomers start retiring.
A more legitimate question is whether the Trustees are too pessimistic about the growth in productivity, or output per worker hour. In the future, the Trustees may have to raise their assumption. Since 1995, productivity has unexpectedly surged. Some believe that this heralds the arrival of a "new economy" in which information technologies and globalization will lead to permanently higher rates of productivity growth. But there are reasons to be skeptical:
There is one aspect in which the Trustees are indeed pessimistic--but here greater optimism would obviously add to Social Security's costs. The Trustees project that mortality rates will decline more slowly in the future than they have in the past--and that longevity will therefore grow more slowly.
Argument #5: Investment returns provide a "pain free" solution.
Moving toward a more funded Social Security system could indeed have enormous benefits: not just higher returns to retirees, but greater national savings and productive investment, and hence greater wage growth for workers in the years before retirement. It would also be the surest method of locking up the Social Security surplus because it would prevent the government from spending the money on other programs. But it cannot be supposed that directly funding more of Social Security's benefits is a way to avoid the hard choices. It is the hard choice:
Without new savings, without real funding, a plan cannot increase the productivity of tomorrow's workers, and thus becomes a zero-sum game of pushing liabilities from one pocket to another or from one generation to another.
Looking Ahead
Today's Social Security system is more than adequate to meet its obligations to those who are already retired. Indeed, today's retirees, on average, will get a better deal from Social Security than any category of similarly situated retirees will enjoy in the future. And, while the baby boomers can expect less generous benefits relative to their payroll contributions than their parents now enjoy, fairly modest changes could be enacted to keep the current system solvent for most boomers.
But what of the so-called Generation X'ers, those born in the post-boom "baby bust" years of the late 1960s and 1970s? And, what of today's children, those who are now relying on their baby boomer parents and WWII generation grandparents to leave behind a growing economy, to say nothing of a secure retirement system?
Too often, it is the young who are overlooked in the Social Security reform debate. And yet, today's young people are the ones who are expected to pay the higher taxes, accept the lower benefits, and bear the burden of debt incurred between now and their "golden years" to keep the current pay-as-you-go system going for their elders.
Public opinion surveys have indicated declining confidence in Social Security over the past 25 years. Many younger workers are beginning to discount Social Security entirely in their retirement planning. This decline in public confidence is itself a major problem for a system that depends critically on everyone's approval and trust. Social Security is a generational compact in which each generation's welfare depends directly upon the willingness of the next generation to participate. If the next generation grows disaffected, the survival of the system is thrown into question.
In the end, Social Security reform is about the young. It is about today's workers and retirees exercising stewardship over the future, and preserving the sacred trust of generational responsibility.
GAO's "Save the Social Security Surpluses" simulation which assumes revenue as a share of GDP declines from its 2000 level of 20.6 percent due to unspecified permanent policy actions. In this simulation, policy changes are allocated equally between revenue reductions and spending increases.


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It seems every year someone brings up the Bible and alcohol (the drinking kind). My first response, kept to myself but now made public, is this "Yo, have you ever tasted Brunello or a South African wine or a good pint of Boddington's?" But that doesn't seem to be the approach needed here. What I [Read More…]
Archives for Mar 23, 2009 @ 15:09
The Bible and Alcohol
A Brother's Wisdom 21
What are characteristics that form and sustain community? James, the brother of Jesus, has some powerful advice. Here are the words of James 1:19-21: 19 My dear brothers, take note of this: Everyone should be quick to listen, slow to speak and slow to become angry, 20 for man's anger does not bring about the righteous life [Read More…]
Behind the Scene: Economic Downturn and the Church Budget (by PW)
This is a series about the spouses of pastors by a friend, who is a pastor's wife. One of the things affected by the economy is church budgets. Have the realities of the world-wide economy reached your church budget? Now let's look behind the scenes: How is your family handling the economic downturn? I'd like [Read More…]
Do you need God to be moral?
C.S. Lewis famously argued that morals need God, that one cannot have universal morals without a divine foundation for those morals. That is, apart from belief in God it is hard to maintain belief in morals. The question Lewis provokes for some is this: Are there cultures where folks are both demonstrably moral and irreligious. [Read More…]


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Take CableTV.com's Advice and Make DIRECTV Your Next TV Service Provider
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Welcome to the Special Collections Guide to Maryland City Directories
This guides provides a overview of print and digital Maryland City Directories available in the Special Collections at the University of Maryland. Use the tabs at the top of the page, or the links below to view:
R.L. Polk & Co.'s Baltimore City Directory for 1904
Information for: Visitors | People with Disabilities
© 2015 University Libraries, University of MarylandMcKeldin Library, Library Lane, College Park, MD 20742-7011(301) 405-0800 Website Comments | Privacy Policy


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Legends of the Fall
No one ever thought it would be them. Truth be told, when sports pundits were making their forecasts before the beginning of this years baseball season, the Arizona Diamondbacks were expected to finish dead last in their division. To the surprise of many, however, such predictions proved to be dead wrong.
Fueled by both the one-two pitching punch of Ian Kennedy and Daniel Hudson and an explosive offense starring sluggers like Justin Upton and Ryan Tatman Roberts, the D-Backs shocked the baseball world and managed to win their division. They trumped the defending World Series champion San Francisco Giants, perfected the art of the come-from-behind win, and put together one of the more memorable seasons in team history.
Now comes their next challenge: Beating the Milwaukee Brewers in the National League Division Series. Despite an imposing array of such hitters as Ryan Braun and Prince Fielder (as well as a pitching rotation populated by Yovani Gallardo and Zack Grienke), the Brew Crew isnt infallible. In fact, Arizona beat Milwaukee enough times this year to win the season series between the teams. And if they upend Fielder and company during Game Three of the NLDS on Tuesday, October 4, at Chase Field, 401 East Jefferson Street, they stand a chance at extending their Cinderella season a little longer.
Tue., Oct. 4, 2011
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Re: How should I start with mathematica?
> Good suggestion -- if it weren't for the fact that that particular page
> has (by actual count) **one hundred and twenty three** (123) separate
> links on it -- each of which you'll have to click to, one at a time, and
> then click back from -- not to mention the scrolling and the perhaps
> dozen or so links you'll have to click to or nested cells you'll have to
> open within each of those pages.
I know is not Ideal to have to go thru links and it will probably be
better with a book but I guess that will come later.
The help needs maybe more examples in some places. Exploring different
functionalities and more of the issue you will encounter with some of
the functions. There are also places were links to related topics
should be added.


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After recording just 15 catches last year for Lincoln North Star, senior to be wide receiver Noah Housh is ready for a busy spring and summer – full of camps and combines to promote his game to colleges.
"I want to play D-1 football," said Housh. "Hopefully teams start to look at me a little more. I'm going to go to camps, hit the Blue-Gray combine at the end of April, and just go to as many places as I can this summer to get my name out there."
Two weeks ago, he attended Nebraska's junior day, after what he says was a surprising invite to the event. Both of Housh's parents are professors at the school and he isn't shy to share how great it would be to continue his career in Lincoln.
"I would definitely go there if they offered me," said the junior. "I have always dreamed about going to Nebraska ever since I was a little kid…I will be at their first camp this summer."
Housh, who has also gained interest from teams like Princeton and South Dakota State, was one of only two wide receivers at junior day, allowing him to have plenty of time to talk with Nebraska wide receivers coach Rich Fisher.
A multi-sport athlete, the 2013 prospect is hoping his production from last year goes up. North Star started just a sophomore at quarterback (Brooks Bolles) last season and had talented running back Mike Minter getting his fair share of touches.
"Our coaches said because of Brooks experience, we couldn't throw as much," said Housh, who stands 6-foot-4, 205 pounds. "He played freshman ball as a freshman and started varsity as a sophomore. But, he's been working hard in the weight room. He can throw the ball 65 yards, he's got ridiculous arm strength, and the accuracy is coming.
"We ran the ball a lot, because Michael (Minter) was such a big addition to our offense. Our line has gotten a lot better with pass protection this offseason, so we are going to try to throw the ball more."
The North Star coaching staff echoed the Navigators offensive plan.
"We hope to get Noah a few more balls thrown his way," said head coach Mark Waller. "I think stats are sometimes overrated, but we expect his catches and yards after the catch to go up this season.
"One thing that we are really happy with Noah, that's getting noticed by colleges, is his ability to block on the perimeter.
"Noah started as a sophomore and made great strides. We saw a lot of development between his sophomore and junior year, and we hopefully see it again."
Housh recorded four touchdowns despite just 15 catches last year.
The Navigators' boys basketball team will play in the state tourney this week. A lead contributor on the squad, Housh had 16 points in the A-4 district final over Bellevue West last Tuesday.
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