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Next year's pension debate is mostly going to be about what happens with new public employees, since it would be illegal to break current employees' contracts. As such, any reforms affecting future employees will not dent the truly massive amount of money PA is going to have to start budgeting for pension payments already owed. Here's Eric Boehm reporting on the Independent Fiscal Office's recent statement on pensions:
An annual economic and budgetary projection from the state's Independent Fiscal Office, a state equivalent of the Congressional Budget Office, forecasts 0.8 percent revenue growth this year and 3 percent annual growth for the state's revenues in the next five year. Pension costs are projected to climb by 46 percent in this year's budget and 42 percent in next year's budget. "The increase in pension contributions is estimated to be about $500 million per year for the next several years," said Mark Ryan, deputy director of the IFO. According to the report, those costs will consume 9.6 percent of the state budget by 2017 – up from 4.2 percent of the budget this year.
The political issue for liberals should be obvious. If pension payments are going to keep increasing as a share of the budget, then either we need to cut spending from other parts of the budget, or else we need to increase the size of the budget.
There are a few ways to increase the size of the budget. One is tax rate increases. Another is closing tax expenditures and deductions for a net increase in revenue.
The politics of increasing taxes or closing loopholes are going to be tough, which is why we also need to be focusing on a third lever – increasing the rate of economic growth.
Going back to Eric's piece, you see that the IFO's doomsday prophecy is based on the assumption that weak growth will continue:
Those low growth rates are the "new normal," said Ryan, and are due to modest growth of the labor market, declining revenues from sales taxes, demographic trends and the lack of any expected booms in housing or the stock market.
But the weak rate of growth does not have to continue. While it's debatable as to how much we can increase the growth rate through policy, there are certainly policy levers available to lawmakers who want to try to increase the growth rate for housing construction, services, and migration.
I would argue that the biggest untapped policy lever is land use. Basically, Tom Corbett needs to copy what Deval Patrick is doing:
Last week, Massachusetts governor Deval Patrick announced a new policy initiative designed to encourage diverse, walkable neighborhoods that use land efficiently. If a municipality meets certain criteria, it will become eligible for preferential treatment in applications for state assistance funds.
In particular, to become eligible a municipality must adopt an "as-of-right" zoning district that provides for the following:
- An "eligible location," as defined by the commonwealth's smart growth standards;
- A minimum density of eight homes per developable acre for multifamily housing, and four units per acre for single-family homes;
- At least ten percent of homes must meet affordability criteria (unless a project includes fewer than 12 homes in total);
- A policy of inclusion that does not restrict occupancy due to "age or any other form of occupancy restrictions," except for projects intended for the elderly, persons with disabilities, or assisted living.
The policy statement released with the announcement says the Department of Housing and Community Development "expects" municipalities creating such zoning districts to include standards requiring or promoting mixed land uses, sustainability, housing for a range of incomes, and homes for "diverse populations," including families with kids, individuals with disabilities, and the elderly.
Concurrently, Massachusetts governor Deval Patrick announced a new statewide housing production goal of 10,000 multifamily units in the Commonwealth each year. At a conference in Worcester, Massachusetts last week, the governor said that "to meet the needs of our workforce we need more housing for moderate- and middle-income families. We need more multi-family homes, rental apartments, and starter homes and we need these homes near jobs, near transit, and near city and town centers."
If you look at where the growth is already happening in PA, you'll see it's in the top 5 largest metros – Philadelphia, Pittsburgh, Lehigh Valley, Harrisburg and Scranton. That's where most of the state's revenue is coming from, and if we want more state revenue from faster growth, then the obvious thing to do is try to grow those metros.
Right now, the incentives are sort of misaligned. Local politicians are not thinking about the state pension crunch when they are deciding on housing, transportation and land use policies. But they should be! How much those metros are willing to grow will affect how difficult a time the state will have paying pensions.
To align the incentives for growth, what we need are state policies to encourage more housing and office construction in those 5 biggest metros – to reduce housing and office prices in those places, reduce the time and money costs of transportation, and attract more people and businesses to live and work there.
One idea is to copy what Deval Patrick is doing – tie state aid to by-right zoning policies at the local level. Even better, the state could tie aid to adoption of comprehensive county-level zoning and land use plans, so that decisions about housing and development are substantially more insulated from the narrow neighborhood politics that lead to underbuilding at the city level.
The state could also adopt weighted student funding, which would reward areas that pursue pro-growth housing policies instead of penalizing growing districts as the current system does. Currently, politicians who are inclined to increase the housing supply are met with resistance from residents who worry that more housing will bring more school-aged children and higher school taxes. That has got to change. State policy needs to reward areas that try to grow their populations, especially in the 5 largest metros.
State transportation funding also needs to be concentrated on the 5 largest metros. It needs to be cheaper and easier to get around within and between them, so that more housing and office construction leads to more real growth and doesn't get choked off by increased traffic congestion. Harrisburg should pick up the tab for mass transit improvements in the 5 largest metros, with the goal of increasing trip frequency. Bringing Bus Rapid Transit systems to all 5 metros would significantly increase the amount of housing and office growth each could absorb. Extending SEPTA service to Allentown would better integrate Southeast PA's two largest economies. Subsidizing air travel between Philly and Pittsburgh would better integrate the state's two largest economies.
There are all kinds of things that can be done to boost the growth rate using state land use and transportation policy, but first state politicians need to stop pretending that PA's economy in based on fracking and manufacturing jobs in the big empty areas of the state. It is not. The top 5 largest metros are the real economic drivers. If politicians want faster growth to pay for more of the pension outlays, instead of unpopular tax increases and budget cuts, they need to adopt economic policies focused on growing the metros.
(Thanks: Kaid Benfield)


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Mustard Grilled Steaks Recipe
For a new idea for the grill, try this steak. Your family will be impressed at how delicious this is.—Sharon Kraeger, Plattsmouth, Nebraska
- 1/3 cup Dijon mustard
- 1 tablespoon chopped fresh parsley
- 2 tablespoons honey
- 1 tablespoon cider vinegar
- 1 tablespoon water
- 1/4 teaspoon hot pepper sauce
- 1/8 teaspoon coarsely ground pepper
- 2 boneless beef top loin steaks (1 inch thick and 8 ounces each)
- 1 large onion, cut into 4 thick slices
- 1. Combine the first seven ingredients. Brush over both sides of the steaks and onion slices. Grill over hot heat, turning once, 15-20 minutes or until steaks have reached desired doneness and onion is tender. Brush occasionally with sauce during grilling. Serve onion slices alongside each steak. Yield: 2 servings.
Reviews for Mustard Grilled Steaks
Average Rating
© 2017 RDA Enthusiast Brands, LLC

subset: commoncrawl


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Wednesday, February 03, 2010
Temperance Month Over
Stopping drinking wasn't a problem, in fact, we looked forwards to it, almost as if bored with it. We didn't get any cravings and neither of us concealed any bottles of Vodka anywhere. The noticeable effect was a lack of hangovers and a tendency to sleep throughout the night, not wake up in the early hours. How it affected our health otherwise I don't know - I had a cold throughout most of January so couldn't really tell.
Last night we cracked a bottle of red wine and shared it. Did I really enjoy it having been abstinent for so long? Not really. It seemed watery, tea would have been better, and we finished the bottle more as a matter of form than because we were relishing it. I don't think I'm going to bother with it much now. I'll have a drink on my birthday tomorrow, and I'll toast my brother at his wake on the 8th. Of course I rather think that the chilled carafe of wine down by our local beach on Crete is going to be a different matter...
Posted by Neal Asher at 1:44 pm
3 comments:
- vaudeviewgalor raandisisraisins said...
isn't it healthy to drink a little wine (or vinegar) everyday? i know a person who uses vinegar to curb (the onset of ?) diabetes.
get drunk, now.
- 5:45 pm
- Neal Asher said...
Well, I have just bought a bottle of scotch. It mainly seems to be red wine that I'm off.
- 5:52 pm
- Neal Asher said...
And the scotch tastes luverly.
- 5:59 pm
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TEN men and women from Colchester helped to launch a £25,000 charity drive, which will culminate in a bike ride from Land's End to John O' Groats.
They are part of a group of at least 20 cyclists and have begun training and fundraising ahead a 1,000-mile challenge next summer in support of Action Duchenne.
The charity is trying to fund a cure for Duchenne muscular dystrophy, a condition which gradually causes muscles to weaken.
The Colchester contingent includes Paul Lenihan, Action Duchenne's chief executive, and the fathers of two boys with the condition.
Damien Culhane's son Ben, 15, suffers from muscular dystrophy and will shortly begin his final year at St Benedict's College. Ben is wheelchairbound but still has plenty of upper body strength.
Damien, a keen cyclist, said: "This is a great opportunity to help raise money for a charity, which is very close to our hearts and which has done so much to help out with research.
"Ben's life can be challenging, so doing a challenge like this seems almost insignificant."
The ten-day ride will take place from July 26 to August 4 next year.
A series of events, including formal dinners, Irish music evenings, quizzes, tea parties and challenges will raise money over the next year.
Several of the team began their training in earnest last month by taking on the 50-mile route of the Essex Castle bike ride.
The team also includes Chris Powart, whose son Tomas, seven, is just beginning to be affected by the condition. Chris is planning to tackle an Iron Man in Spain ahead of the cycle ride.
Mr Lenihan, who took over as chief executive of Action Duchenne last year, said: "We deliberately started the launch a year in advance because of lot of us need to get fit for it.
"We're also hoping to use the event to highlight the regional variations that exist in treatment for this pernicious condition."
Organisers need corporate sponsors. For more information, visit actionduchenne.org or e-mail email@example.com


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Medical Definition of Parietal pericardium
Parietal pericardium: The outer layer of the pericardium which is a conical sac of fibrous tissue that surrounds the heart and the roots of the great blood vessels.
The pericardium has outer and inner coats. The outer coat is tough and thickened, loosely cloaks the heart, and is attached to the central part of the diaphragm and the back of the sternum (breastbone). The inner coat is double with one layer closely adherent to the heart while the other lines the inner surface of the outer coat with the intervening space being filled with fluid.
This small amount of fluid, the pericardial fluid, acts as a lubricant to allow normal heart movement within the chest.
The word "pericardium" means around the heart. The inner part of the pericardium that closely envelops the heart is called the visceral pericardium or epicardium.
Last Editorial Review: 5/13/2016
Back to MedTerms online medical dictionary A-Z List
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Welcome Our website is more than meets the eye. navigate these pages and be amazed
Yetrador Creations is a web design company based in the South-East of England. We are one of the leading internet consultancies to realise the power of Flash as a tool for developing interactive web sites and in the UK. We specialise in static and interactive websites. We also provide advertising and presentations on portable media like cd's and memory drives. With several years of experience, we can offer the ultimate in professionally designed websites at affordable prices.
At Yetrador Creations, we are able to produce for your organisation public relations and advertising materials such as corporate screensavers and animated/dynamic desktop enhancements at next to nothing cost for free downloads on your company's website. We are also able to produce presentational CD's about your organisation. This could be a copy of your website on disk for customers with slow or no internet connection.
Your sales presentation, catalog or web site can be carried in a shirt pocket or purse just like a business card! Prospective clients will appreciate being able to view your CD presentation on their office or home computer at their own leisure.
Save money on print advertising with a CD catalog, presentation, photo album, portfolio or brochure. Please see the presentation area of this site for further details.


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Tulum Secret Garden Tulum
Facilities Map Streetview Reviews
Sagitario Pte #54
check in: 2:00pm
check out: 12:00pm
** Cancellation policy 72h **
Please cancel prior 3 days to avoid charges for late cancellation
Note: It is the responsibility of the hotel chain and/or the individual property to ensure the accuracy of the photos displayed. Travellerspoint is not responsible for any inaccuracies in the photos.
check in: 2:00pm
check out: 12:00pm
** Cancellation policy 72h **
Please cancel prior 3 days to avoid charges for late cancellation
Secret Garden is tucked away on a quiet neighborhood street, only two blocks from the main avenue. Tulum Pueblo is a lively town with fruit markets, lots of restaurants (we have our favorites), internet cafes, mexican handcrafts and silver shops. All this is within walking distance from the Secret Garden. Our eight tastefully appointed rooms are ideally located only 4 kms away from Tulum's amazing beaches and ancient Mayan ruins. Also, we are close to the bay where you can swim with sea turtles and see amazing caves and 'cenotes'.
At Secret Garden you will find clean, comfortable and stylish standard rooms each with air conditioning, queen size bed, full size bed or both (depends on the room), also we have bugalows; these are made with 'Mayan style' thatched roof that helps keep the space cool.
The beautiful courtyard area has a great combination of breeze and shade. Perfect common area to read, relax or chill out with new friends.
Bus station is 5 minutes walking distance.
Secret Garden includes:
- No guests under 15 years old
- Hot water 24 hours
- All rooms have private bathroom
- Ipod / MP3 speakers
- Standard double bed private rooms (Bungalows) feature kitchenette and mini fridge.
- Beach towels
- Tours desk
- Free WIFI
- Free coffee, tea and drinking water all day.
- Free complementary cookies and fruit.
- Free maps and advises
- Book Exchange
- Beach club access
- Lounge area
- Laundry service
- Daily housekeeping
- Loggage store
- Breakfast not included
Check In from 2:00pm to 8:00pm ONLY
Check Out: 12:00pm
Credit cards not accepted
Cancellation policy 72 hours
This is a Trusted Review. Why?
Secret Garden was a lovely place to stay in Tulum. It was off the main street so much quieter. There is a beautiful garden with couches and hammock to relax in. The hosts were very warm and helpful and spoke English. Our only complaint is that our room was at the very front and so had less privacy and more street noise than the back rooms and cabanas. They also had rooms with kitchenettes available.
This is a Trusted Review. Why?
A great hotel, close to the main road. The staff was excellent, very helpful and nice. Ask them to explain everything that interests you on the tulum map!
Outside of the rooms there is a big shady garden, lots of trees but there are bird nests in them so you have to watch out for the bombs .
the rooms are nicely decorated, some have a kitchen and a fridge, bathrooms are spacy and also well decorated, also you get a towel for your face, hands and body .
You can leave your documents at the reception.
Only thing that i would recommend is to get new pillows! Because even though the sheets were changed every day one pilow would stink after the night, especially because it was hot and we took a room without A/C. The tiny brown pilows were esecially stinky.
All in all a definetly good hotel and i recommend it to everyone!!!
Greetings Nikola & Tea!
This is a Trusted Review. Why?
Great host. Helped me when i got sick.
Have you stayed here? Write a review
Note: It is the responsibility of the hotel chain and/or the individual property to ensure the accuracy of the photos displayed. Travellerspoint is not responsible for any inaccuracies in the photos.
Create your own travel plan and bookmark this hotel on your plan. You can even bookmark hotels found on other websites!
Do you have questions about Tulum? You might try asking in our active travel forums and see if anyone else has been there.
Read up on what to see and do in Tulum in the Travellerspoint guide, written by travellers for travellers.


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Emporia Highs Ashley DeBauge finished 3 days of State tournament at the State Golf tournament Monday. Saturday and Sunday she played in the 5A state tennis tournament.
One day after playing in the 5A State tennis tournament Emporia Highs Ashley DeBauge played in the 5A state golf tournament today. She finished with a 112.
Sunday Ashley DeBauge finished in 3rd place at the 5A State tennis tournament. She was defeated in the semi-finals by eventual State champion Do-hee Lee of Andover. Ashley bounced back in her 3rd place match with a win over Allie Schulte of Kapaun Mt. Carmel. Teammate Seki Anderson finished in 9th place in singles play. As a team Emporia High finished in 5th place. Andover won the team championship.
{wbty_audio audio_id="449" audio_title="Ashley DeBauge - Tennis and Golf 10-21013"}
It was the second year in a row the Emporia High sophomore played in both the State Tennis and Golf tournaments.
12:30p - Kansas City Royals vs Cleveland Indians
KVOE 1400 am & 96.9 fm
10:05A - Monday Morning Quarterback
6:30P Kansas City Royals vs Colorado Rockies


text:
I did a lot of things in my life, so better ask me if you really want.
I'm also trying to take over the world, I've got a great plan in five steps... but you can't ask me what it is.
I laugh really loud, and I make a lot of noise.
Movies : anything with zombies, robots, or aliens on it. (travel in time counts too). And well I love movies you need to watch at least twice to get it really. I'm too lazy to make a list right now.
Shows : Falling skies, Doctor who, twilight zone, Fringe, Terra Nova, The killing, maison close, The borgias, futurama, ... same here, I'm lazy.
Music : Owh... rock, electronics, ambiant, folk... better ask me, I can't list it.
Food : Well, I love food, like, in general. So, all of it. Even spinach. Actually, I love spinach.
All right, maybe I'm thinking about other stuffs.
Lot of questions about time and the universe when I'm in a deep mood. When I'm not, stupid things like "What is this guy sitting on the bench is doing in his life?" (I love to imagine the life of strangers, really, you never get bored with this kind of stuff).
And when it's peacefull in my flat, "It's too quiet in here... where did the puppy & cat go? WHAT ARE THEY UP TO?" (they are always up to something... mostly no good.)
You are an honest person (I'm the straight to the point kind of girl, and I don't like be messing around with)
You like dogs and cats


text:
"Occasionally I come across rare books that reveal solutions to
our society's biggest problems. This book offers real life answers and advice you
can trust. Seavey has a wealth of experience--and has survived past recessions.
Each chapter is filled with helpful info and at the end there is a section to
assist you in further research on the topics discussed. If you are dreaming about
making more money or interested in discovering some new ideas for investing in a
recession, then I can recommend this book."
Is the Great Recession over? We all hope it is. There are
some signs things are improving (fewer job losses, a stock market rebound, some manufacturing
activity, big banks becoming sounder etc.) but , DEEP DOWN, there is continued trepidation and
downright fear that more trouble lies ahead.
Trust in the capitalistic system--and its supposed overseer, the U.S. government--is at an all
time low. Trillions of dollars of wealth--YOUR savings and investments--evaporated when housing
prices tanked, banks teetered, companies laid off thousands, and when the Dow Jones Industrial
Average plummeted into the 6500 range.
Many--including the so-called "experts" (brokers, speculators, analysts, money managers etc.)
were taken by surprise when the economy imploded. The fallout has been that few remain trustworthy
simply because they were steering the ship when it hit, like the Titanic, a huge iceberg. The
temptation, completely justified, is to hoard what savings you have left, pay down the mortgage (if
you have one), and rein in spending any way you can.
These contrarians were people like John Rubino, author of How to Profit from
the Coming Real Estate Bust (published in 2003!); Martin Weiss, publisher
of Safe Money Report (which was anticipating a serious correction and
advising, early on, a flight to safety via U.S. Treasuries, "inverse" ETF's and
other strategies); and Doug Casey, who has, for years, felt strongly that
government deficit spending would result in catastrophe for the U.S. dollar, and a
rise in precious metals prices. This definitely has happened!!
In early 2008 I sold every bank stock I owned and began a gradual liquidation of
most of my mutual funds and individual equities in all but a few sectors. We had
taken on a teaser interest only (1%) loan on a house we bought in 2005 and,
fortunately, were able to pay it off by 2007 with the sale of another house before
the prices really tumbled. My wife and I started a home-based business that has
proven virtually recession-proof right up to the present, when so many other
businesses have been cutting back operations or even going under. In other words,
we took constructive action, though it was at times frightening.
The 12 NEW Rules and Realities
of Your Money ($$$)--for 2011 and Beyond
Contact us firstname.lastname@example.com
I have never considered myself an "expert" in financial matters before BUT, overviewing all the
incisive moves my wife and I made assisted by some shrewd contrarian advisors (and some good
instincts) in the last couple years, we have sailed through the Great Recession relatively
unscathed. We are certainly much more fortunate than most, and do count our blessings…
Following the stock market crash of October 2008 I began to feel there was a great need for
steadying advice--since so many had felt betrayed by the system and had been irreparably harmed.
The problem was (and is) that the natural tendency was (and is) to stay on the sidelines until
there was a sign that the storm was over. Unfortunately, this apathy partly led to the losses many
incurred, because they were not actively managing their financial affairs/investments. (In fact,
only about 15% of all stock market investors actually made adjustments even in 2008 when they were
losing their shirts).
So my message to you is that you cannot let fear paralyze you, ESPECIALLY NOW. You will never
again be able to "sit" on a mutual fund or a 401K and expect predictable profits, without staying
tuned into the ebbs and flows of the economy. Do it at your peril in this schizophrenic
In fact, you must truly diversify your investments like never before. We're not just talking
about within the stock market (IF you dare pursue that), but also into such assets as rental real
estate, precious metals, collectibles, currencies, new business opportunities, even your choice of
And that is the area I decided to research in late 2008, not only because I had had some success
in these areas, but because I felt, as an author (Moving to Small Town America, Dearborn
Financial, 1995), I could fairly quickly put a book out on the subject while people were still
hurting. The result, eight months later, was Crisis Investing and Entrepreneuring (10
Innovative Strategies to Help YOU Achieve Financial Success and Solvency in a Down Economy).
And it turns out to be one of only a very small handful of books that came out in mid
2009 that actually offered advice you can bank on at a very scary time…
But don't take my word for it.
"Crisis Investing and Entrepreneuring is a timely, readable combination of
financial and career advice that has something for pretty much everyone."
"Your book--what I've read of it, at least--is smart and engaging. I'll definitely write
about it in my blog."
"Positive thinking lets you make the best of even a bad situation. This book is a guide to
successful business planning during a down period. Home based businesses, opportunities that
arise in a downturn, facing one's possible debts, and playing the stock market even when it
seems unwise are all discussed and given sage advice. This book is a vital read for anyone who
doesn't think a bad period is the end of the world."
"America needs this book NOW!"
"I trust Bill Seavey. He delivers solid advice to propel entrepreneurs into the kinds of
actions that will lead to a bright financial future."
"Seavey is a small town investor with a "green" agenda who nonetheless offers some decent
thoughts about where to put your money today. I disagreed with some ideas, agreed with others,
and generally found that I could have a thoughtful dialog with the text. On the whole, I found
this book refreshingly different from most of the 'crisis investing' literature I have read.
There are some thoughtful ideas by someone who is trying to rethink how we will invest in the
future, and I enjoyed the relatively unique approach."
"This book outlines some alternative investments and other ways to make money during a
crisis period. I liked that Seavey gave some of his own experiences with many of the
investments--and which mostly worked out. Although most of his ideas are alternatives to the
stock market, he also gives information about "green" and socially responsible investments and
where to look for them. If you are as wary of the whole financial situation today as I am--and
need some alternative ideas for investing--this book is a good place to start."
If you are a regular book reader (or even if you aren't), the question might now arise: why have
I never heard about this remarkable work? Alas, that's the $64 question. I have pondered it myself
for several months and come up with a few answers-- none really entirely satisfactory. When
the book first came out with professional editing, graphics and packaging--and a publicity
campaign--the media acted like it wasn't even there--especially the financial media. Perhaps they
didn't want to admit that an upstart had some good, constructive ideas.
But I never wanted Crisis Investing and
Entrepreneuring to be invisible, and refuse to accept that there isn't still a great
need for it. Just recently I added a Special Report, "The 12 NEW Rules and Realities
of Your Money ($$$)--for 2011 and Beyond," which is yours free if you order
the book. You need to know what the future is likely to bring, and these are my best
projections. I don't sugar coat what is likely to happen--but don't worry, the news is not all
I have nothing to sell on this site BUT this book, and $9.95 is, let's face it, chump change.
Yet Crisis Investing and Entrepreneuring is backed by a money back guarantee. That
means you can send it back anytime (in good condition) for a full refund--and keep the
Special Report. Believe me, you won't be given the runaround.
So thanks you for reading this long narrative. If there was any other way for me to convey how
important this project has become, I would.
William L. Seavey
Book chapter headings:
1. Investing in "Hard Money"
Summary: Gold, silver and other precious metals like platinum have been
traditional stores of wealth for millennia. While "gold bugs" are often seen as eccentric
survivalists, the fact remains that these commodities have done well in the first years of the 21st
century--the author's holdings in gold alone have TRIPLED in value. Billions of dollars are flowing
into hard money assets from the stock market to gold and silver as this is written. The government
is "printing" money during the current emergency, and it may eventually lose much of its value.
2. Finding Cash in Your Attic
Summary: If we are nothing else, modern Americans consumers are
"packrats"--collectors of an almost unimaginable array of products and gizmos, some of which may be
valuable as antiques. Many of us don't even realize how valuable some of these things
are--especially ceramics, old furniture, art, vintage coins/stamps etc. If we don't have
collectibles ourselves, we can learn to spot them, purchase them, and sell them on Ebay and various
auctions. The art and collectibles market is holding up well, so far.
3. Relocation Downscaling for Major
Summary: Moving from a large, expensive urban area to a much less
expensive small town or rural area may seem like a drastic step, but it has paid off for many.
Housing is usually much less expensive in rural areas, health care CAN be, and the possibilities
even exist to grow some of your own food and generate your own power. Pre-retirees are particularly
in a unique position to be able to take advantage of locales that may be distant from job centers
in order to cut costs. The author has experience in all this as the former director of the Greener
Pastures Institute.
4. Letting the Online Bank Pay You
Summary: Once it can be established which banks and credit unions are
"safe" (we examine the existing rating services), it is not unreasonable to consider moving money
from volatile investments into Certificates of Deposit paying up to 3% annual interest if you can
find them. Today, online banks are where the action is. There is satisfaction in knowing this is
not money that can be lost, though it often stays tied up and there are other caveats people need
to aware of.
5. Investing in a Home Based Business
Summary: The author once experienced a 17% unemployment rate in his small
city in Oregon, and started a resume' writing and job counseling service (in his garage!) that
lasted 7 years. A few hundred dollars can go a long way to beginning a home-based venture, and
since that time, in good times AND bad, he and his wife have made thousands of dollars in such
businesses as mail-order publishing, family day care, and running a b&b. Others have begun
enterprises on kitchen tables that have expanded, especially during recessions.
6. Removing Mortgage Debt Quickly
Summary: Mortgage rates may be low (4-5%) but there is no guarantee they
will stay that low forever.. People forget that they once exceeded 15% in this country. Paying off
(or down) your mortgage is like GETTING a 5% or more return on your money, and once paid off, you
can never lose your home as long as you pay your property taxes. Building your own house without a
mortgage also makes sense, which the author has actually done. In some cases a reverse mortgage may
make sense if you are over 62 to avoid financial calamity.
7. Having Rentals for Predictable
Summary: Rental properties have always been a source of security during
hard times--people need to live SOMEWHERE, and cars are poor substitutes for houses. The challenge
is finding the "right" tenants, and the landlord/tenant relationship can be daunting at times. The
author has, however, successfully rented out houses, a small onsite "granny" apartment, rooms, and
a travel trailer lot in Mexico, and a condo in Canada. The apartment (whose rent is $700 plus a
month) was built for less than $10,000. He has found the formula for getting good renters.
8. Buying Distressed Real Estate Low, Selling
Summary: The foreclosure home market is booming, even before housing
prices have appeared to bottom out. Investors are picking up properties which have sold for three
to four times their values just a few months ago. They are also becoming savvy about county tax
auctions, where properties can actually be purchased for not just a few thousand dollars, but a few
HUNDRED, and/or investing in tax liens The potential for flipping these properties is huge, even
during the current real estate downturn.
9. Investing in Social Responsibility
Summary: The financial crisis has given impetus to the SRI (Socially
Responsible Investing) movement. Many people are disenchanted with traditional investments--and
disillusioned with . global economic system that seems to be an impending train wreck. SR investors
are seeking out funds that invest in "sustainable" enterprises--or at least companies that are
encouraging the production of green energy, safe foods, and toxin-free products in general. The
movement also includes community banks offering micro loans, and credit unions designed to support
grassroots entrepreneurial projects.
10. Taking Calculated Risks in the
Summary: One shouldn't count out the stock market entirely, though there
is a temptation to do so by a few. When stock prices were falling precipitously the author began to
subscribe to savvy newsletters that suggested investments in "inverse ETF's," options and high
dividend yielding companies (dividends could sometimes compensate for weak earnings.) One thing is
for sure: passive investing may be going the way of the dodo bird, and mutual fund managers will be
under extreme duress to perform in future years.


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Prison Teaching Program
INSIDE MEDITATION (formerly called the ZEN PRISON PROJECT) is an umbrella organization to support and inform volunteers who teach meditation, Buddhism, Buddhist psychology, and Yoga in Texas prisons. This project started at AZC in 2002 but has expanded to include members of other Austin sanghas. Currently teachers come from AZC, the Shambala Center, Plum Blossom Sangha, Appamada (formerly Ordinary Mind), and Dharma Yoga. We maintain an e-list and meet on an irregular basis. We also print copies of a meditation booklet called Doing Your Time with Peace of Mind. All volunteers are welcome to distribute copies of this booklet to their inmate students.
At the current time members are involved in programs at the following prisons:
- Lockhart Prison
- Travis County Correctional Facility, Del Valle
- Gatesville Prison
We have previously supported programs at the Texas State Jail on Webberville Rd. There are other prisons in the Austin area that would benefit from and might welcome teachers from our program. Our current programs can always use substitutes. If you have a solid practice, an interest in teaching and a desire to help those behind bars please use the contact us form to get more information about being involved in prison teaching. Go to the Prison Volunteers Google Groups page to join the elist. Go to the TDCJ Volunteer Information and Application to begin the process of being allowed to volunteer in most Texas prisons (The Travis County facility at Del Valle jail is not included in TDCJ).


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Many state and local officials and private organizations are basing decisions -- such as how to build bridges or manage water supplies -- on the assumption that current climate conditions will continue, but that assumption is no longer valid. To produce the climate information these decision makers need and to deliver it to them effectively, federal agencies such as the National Oceanic and Atmospheric Administration and the Environmental Protection Agency should expand their activities in these areas. This was the conclusion of a new report issued today from the National Research Council.
"Government agencies, private organizations, and individuals whose futures will be affected by climate change are unprepared, both conceptually and practically, for meeting the challenges and opportunities it presents," the report noted. "Many of their usual practices and decision rules -- for building bridges, implementing zoning rules, using private motor vehicles, and so on -- assume a stationary climate -- a continuation of past climatic conditions, including similar patterns of variation and the same probabilities of extreme events."
"That assumption, fundamental to the ways people and organizations make their choices, is no longer valid," the report adds. "Climate change will create a novel and dynamic decision environment. The parameters of the new climate regime cannot be envisioned from past experience. Moreover, climatic changes will be superimposed on social and economic changes that are altering the climate vulnerability of different regions and sectors of society, as well as their ability to cope. Decision makers will need new kinds of information and new ways of thinking and learning to function effectively in a changing climate."
The report recommends six principles that all agencies should follow in supporting decision makers who are facing the effects of climate change. For example, agencies' efforts should be driven by the needs of end users in the field, not by scientific research priorities. And agencies should create close ties between the scientists who produce climate change information and the practitioners who use it.
It is not just the climate challenges themselves that require a different approach to decision making. "The changes in the climate system will require a longer-term view than is usual in most decision-making contexts," the report noted. "The need for a longer perspective is especially acute for decisions that are hard to readjust in the future, such as those about development policy, long-lived infrastructure, and programs and policies that alter the driving forces of climate change itself."
The committee that wrote the report also urged an expansion of federal research to generate the information regional and local decision makers need -- for example, studies on which locations are vulnerable to the effects of climate change and on ways to mitigate or adapt to these effects.
"Climate change will have different effects in different locations and regions and
on different ecosystems," the committee pointed out. "These effects will be superimposed on place-specific aspects of social systems, such as characteristics of energy supply, human population change, water use, and the legal and institutional environment."
Therefore, studies should also assess the best ways to collect and disseminate information with a regional focus.
In addition, the report calls for a new federal initiative to identify and serve decision makers, such as county planners, who may not already be served by particular agencies. This new initiative should not be centralized in a single agency; instead, it should involve and coordinate all agencies that either serve constituencies affected by climate change or collect the information that these decision makers need. This broad initiative will need strong leadership from the Executive Office of the President, including the president's science adviser and the new coordinator of energy and climate policy.
The committee was not tasked with evaluating whether a "national climate service" -- an idea that has received considerable attention in recent years -- should be created. However, if any such service is created, it should use the principles for decision support recommended by the report, and it should be closely linked to national climate research efforts.
Copies of "Informing Decisions in a Changing Climate" are available from the National Academies Press; tel. 202-334-3313 or 1-800-624-6242 or on the Internet at http://www.nap.edu.
Photo by Dan Rhett. Creative Commons Attribution-Noncommercial-Share Alike 2.0 Generic


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|Phone: 03 9436 5573.
If we do not answer, please leave a message. We will reply as soon as we next open.
AH for emergencies: 9718 2883
Opening hours:
Mon 1:00pm – 8:00pm
EFTPOS and HICAPS available.
With regret, we have to charge a co-payment for Medicare CDM Plans.
Braces or pillows are supplied at
Other practitioners in the building run separate businesses. There is no benefit to us if we refers you to them.
82 Reid St, South Morang, Victoria 3752
Also at this address:
Please bear with us while we update this glitchy website!
|Liz Baker opened this clinic in 1988.
Ashlynn Beattie joined the clinic in 2015.
We consider it our job to keep your body from interfering in your life, by the most time effective and cost effective means.
As a result, the practice is symptom based – come in when you have a problem, get kicked out as soon as it is fixed.
Maintenance care is reluctantly offered only in rare cases when the aggravating factor can't be fixed, i.e. your job and your body don't get on (Plumbers!)
Initial appointments are 1 hour, follow up appointments are 30 minutes, but they will be as few as possible. Many problems are over in 3-4 visits.
On initial consultation we will review how you use your body, trying to spot aggravating and perpetuating factors, so problems stay fixed as long as possible.If you are not a job for us, or you are getting better too slowly, we will refer you immediately to someone who can help. There are over 200 names on the list of practitioners we refer to, from specialist chiros and physios, podiatrists, naturopaths and sports physicians, to surgeons and interventional pain management doctors.


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Not Accepting Guests
- Last login over 3 years ago
Join Couchsurfing to see Rachel's full profile. It's free!
About Me
making it
I recently learned how to knit and make jam. Grandmas of America...
it's on.
Keep putting one foot in front of the other.
Why I'm on Couchsurfing
I'm interested in surfing, hosting, and making the future nomad base the now nomad base.
Theatre, community art, radio and movie-making, photography, education, books.
I really like people.
...also, the amazing sashaying sea anenome. Light of my life, fire of my loins.
- arts
- books
- photography
- education
- knitting
- surfing
- teaching
Music, Movies, and Books
I'm really big on any kind of music with good lyrics and strong voices, and I love playing guitar and singing. I always love hearing new music, though, and I don't know very much about music, so I would love to hear what you like!
I love Russian lit and 20/21st century poetry, especially Dostoevsky, Tolstoy, Wislawa Szymborska, Elizabeth Bishop and recently Kay Ryan. I also really like pop science. Ooh, baby. Don't give me the graphs and the data. Give me the -biographies- of the scientists. Yeah. No really, though, talk science to me.
Movies-wise: artsy movies, smart comedies, and thrillers that aren't too creepy. Imagine "When Harry Met Sally", but with high color saturation, long silences, and a heist.
One Amazing Thing I've Done
I once waded with the ducks in Lake Lucerne.


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Summer is a great time to get out and enjoy the Anoka County parks in our community. They are a quick getaway to enjoy outdoor activities on a warm summer weeknight or to spend some time on a weekend. If you enjoy the outdoors and are interested in seeing and learning about gardening, the Veterans Peace Garden has a lot to offer you.
The Veterans Peace Garden is located in the Bunker Hills Regional Park next to the Bunker Hills Activity Center at 550 Bunker Lake Blvd. NW, Andover. In 2008, Anoka County Parks and Recreation and the Anoka County Master Gardeners collaborated to develop and design the Veterans Peace Garden. The main purpose of the garden is to honor those who now serve and have served our country. We invite you to take some time to pay tribute to our veterans and enjoy the garden.
As you approach the garden you will see three raised beds. The beds are planted each year with annuals that bloom beautifully and continuously throughout the summer. The perimeter of the garden was designed with perennial flowers that come back each year and are mixed in with hardy trees and shrubs. The walk through this area provides a visual interest of a variety of textures and color. A small waterfall is the backdrop to the centerpiece of the memorial to our veterans. This enhances the garden and makes a peaceful setting to contemplate and relax.
The garden is also designed to be used as a demonstration garden. Each spring, master gardeners plant the raised beds with annual flowers and clean up and prepare the perennial gardens. Teams of two to four master gardeners maintain the garden each week by weeding and watering, deadheading flowers and checking for any insect infestations or disease. Pedestrians will often stop and ask the master gardener questions about a particular plant they see which provides more opportunities to learn about gardening.
Every year a theme is developed by the master gardeners to teach classes in the garden. A variety of annuals are selected to help develop a theme for teaching "A Walk in the Garden" classes. Classes are held on select Wednesday evenings throughout the summer. This year's theme is "Exploring Sensory Gardens to Enhance Your Well-Being." The classes are informal and fun and you get to be inspired by fellow gardeners.
Two more classes are scheduled this season; Aug. 7 – Fragrant Annual and Perennials and Aug. 21 – Design Concepts in the Landscape. Classes are free to the public but donations are welcome. Pre-registration is required as limited class space is available. Go to www.anokacountymastergardeners.org to learn more about the class descriptions or call the Anoka County Extension Office at 763-7551280 to pre-register.
Lynne Forbragd is an Anoka County Master Gardener.


text:
Need Appliance Repair Help? Ask a Technician for Answers ASAP
The refridgerator side, every thing freezes up. It gets too cold. Even when the temperature is on the lowest it can be, the items in it still freeze.
We have replaced the temperature control assembly, P/N- PS2060682.
Is there another cold control?
The part number for the part we need is PS2061210?
Could you please give me the item number, so we know what we're looking for?
When we changed the temperature control assembly (#3),
we noticed #8.
We also noticed it was not hooked up to anything,
is this correct?
Thank You so much for your help!!!
We will try your suggestion.
Have a great evening!


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Saturday, June 22, 2013 9 a.m. to 9 a.m.
Location: Mike and Judy Dann Woodlot, Old County Road, Dixmont, Maine
For more information: Larry Beauregard; 207-989-6158
Spend a morning in the field with demonstrations of equipment that can be used for small scale logging operations. Emphasis will be on use of ATV, tractor and other low-impact equipment. Event is sponsored by SWOAM, Penobscot Valley Chapter, and will be held at the Mike & Judy Dann Woodlot, Dixmont, ME. Directions from I-95 north or south, take Etna-Dixmont exit 167. Drive south on Route 143 for 5 miles. Where 143 takes a sharp right, go straight ahead on Old County Road for ¼ mile. Log yard is on the left. Watch for SWOAM signs. Please RSVP to Larry Beauregard at email@example.com.


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Motorola C975 User ReviewsPost new review
Please note that each user review reflects the opinion of its respectful author and not of Phone Arena.
posted on 08 Aug 2008, 04:52
Navigation key of C975
Hi, The Navigation key of C975 is very poor. I am even unable to replace it coz I dont know where to buy. MOTOROLA refused to send this to me even I was ready to pay. So I never recommend MOTOROLA. If any one can help me to replace my C975s Navigation key set, Plz let me know. Write to firstname.lastname@example.com 8/10Features 3/10Sound Quality 6/10Signal Strength 7/10Value for money 1/10
posted on 13 Dec 2005, 12:42
boring phone
dont get this phone it gets boring afer a while and it doesnt have infared and bluetooth.i have this phone and it definitely is crap so dont think about gettin itDesign 4/10Features 4/10Sound Quality 8/10Signal Strength 3/10Value for money 6/10
0 out of 1 people found this review helpful. Do you?Report
posted on 04 Mar 2005, 12:44
hi,does this mobile include IrDa or bluetooth? pls sendme e-mail thxDesign 6/10Features 6/10Sound Quality 6/10Signal Strength 6/10Value for money 6/10
posted on 21 Jan 2005, 10:37
Sir Adam Fairhurst
The phone is great and by the way anyone looking for software for the data cable can just download the C835 software instead and use that as it's exaclty the same.Design 10/10Features 10/10Sound Quality 10/10Signal Strength 7/10Value for money 10/10
posted on 17 Jan 2005, 20:22
need the simlock code
i have just bought this mobile phone but i need the simlock code. can anyone provide this code for me? ..................................................Design 7/10Features 8/10Sound Quality 9/10Signal Strength 7/10Value for money 10/10
posted on 17 Jan 2005, 08:51
motorola c975
I think the phone for maybe a middle aged man like me not realy for the younger generation, also sometimes it lets me send video's other times not wierd....could do with a more in depth explaining on how it works....Design 8/10Features 5/10Sound Quality 8/10Signal Strength 8/10Value for money 7/10
posted on 13 Jan 2005, 05:56
Memory Card and Data Cable
This is a very beautiful phone my girlfriend bought for me from the uk. I need to buy the data cable and the memory card, anyonyone who knows anything about this please contact me ASAP.Design 10/10Features 10/10Sound Quality 10/10Signal Strength 10/10Value for money 10/10
posted on 12 Jan 2005, 04:18
still bugs me a little..
quite a nice phone, considering the fact that it's really cheap..
Dislike: No Bluetooth, no IrDA, no USB Cable included, to much weight, battery performance (really sucks, needs charging DAILY)
Other than that: a nice phone, with lots of technology. perfect 3G entry level phone, lots of gaming optionsDesign 8/10Features 6/10Sound Quality 8/10Signal Strength 4/10Value for money 8/10
posted on 17 Dec 2004, 09:48
its a great phone but i dont like the fact that you cannot record sounds on it and it can only record for 10 secs
and that it dosnt explain were to put the data card and also as someelse mentioned the data cable but i think its great value for money and a phat lil phone :P if anybody can help my quireys about the data card and the data cable please email me on email@example.com 9/10Features 10/10Sound Quality 10/10Signal Strength 6/10Value for money 10/10
posted on 13 Dec 2004, 10:07
the thing is that this phone is very nice value for money and stylish.
what i didnt like is that it hasnt infrared port or blue tooth but as far as i know there is a USB cable which you have to buy on line only, and that is bad for a phone like Motorola, it would be easier if the cable was in the box with the phone when you buy itDesign 10/10Features 6/10Sound Quality 8/10Signal Strength 9/10Value for money 10/10
posted on 10 Dec 2004, 07:41
Thi phone is awesomeDesign 10/10Features 10/10Sound Quality 10/10Signal Strength 10/10Value for money 10/10
1 out of 1 people found this review helpful. Do you?Report
posted on 06 Dec 2004, 14:11
Just got phone for birthday its sick star just finding it hard to get use to i always had flip phones before but still the video and camara is SiCk !!! Merry x-masDesign 8/10Features 10/10Sound Quality 9/10Signal Strength 6/10Value for money 10/10


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Already know your needs? Submit your RFP here and it'll be assigned to one of our destination experts.
3150 Paradise Rd
Las Vegas, NV 89109
Phone (Local): (702) 943-6780
Copy and print, black and white or color, finishing services. Oversize printing, computer rental and CD/DVD duplication. Equipment rental. Pack and ship services.


text:
Network - Drawings and paintings by Steven MacIver
Private View - held on Thursday 16th September
Sports Centre Atrium, Abingdon School
The exhibition will be on show until October 15 and can be viewed during Sport Centre opening hours.
Born and raised on the Orkney Islands, Steven MacIver attended Grays School of Art in Aberdeen, graduating with a first class Honours degree in 2002 before being offered a place at the Slade School of Fine Art, London to complete his MFA. Before leaving the Slade, Steven was nominated for, and won, the Sainsbury Scholarship in Drawing and Painting at the British School at Rome where he lived and worked between 2004 and 2006. He has established himself as one of the most exciting young artists in the country, receiving a total of 10 awards for his work and exhibiting extensively across the UK and in Italy.
Steven now lives and works in Oxfordshire. His 2009 project, entitled 'Latitude' saw him circumnavigate the world following the line of latitude N41º and visiting cities and towns across Europe, America, Japan, China and Kazakhstan. Returning to his Abingdon studio, Steven then produced a new body of work, fuelled by the resource materials and memories of his travels.
In June this year, Steven became Abingdon School's first artist in residence. The residency provided Steven the opportunity to further develop his practise and explore new ideas. The work produced during the residency, along with a selection of his latitude work, will be exhibited in the atrium of our Sports Centre.
The residency was made possible through the generosity of The Abingdon Foundation Development Fund.


text:
|From: Derick Eddington (derick.eddington at gmail.com)
Date: Wed Oct 22 19:22:08 EDT 2008
I really like DrScheme's "syntactic test suite coverage" feature. As far as I know (I'm using 188.8.131.52-svn11oct2008), it does not work across multiple files. I'd like to request it be made to work across multiple files, similar to what the debugger does of asking if it should include files that are open. I'd especially like this so I can run my unit test programs and see what they've covered in the module they test. I imagine other people would find this useful as well. Thanks for considering, -- : Derick ----------------------------------------------------------------
|Posted on the users mailing list.


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34 Night ORIANA Sept /Oct 2011 to Caribbean and U.S.A.: Oriana Cruise Review by Colebourn
Overall Member Rating
34 Night ORIANA Sept /Oct 2011 to Caribbean and U.S.A.
Destination: Transatlantic
Embarkation: Southampton
As far as hubby and me were concerned, this was a WONDERFUL cruise.
We had an outside cabin on F deck (5) with a picture window. The cabin was absolutely adequate for us and was kept spotless by Pedro, our steward. The towels were changed daily and the sheets every three days.
All the staff were first class and nothing was ever too much trouble for them.
We mainly ate in The Conservatory, as we hate dressing up so formal. The breakfast was amazing, with so much variety....lunch was always excellent too....evening meal was good, although a little repetative.
On board entertainment was mainly very good, with celebrities including Jimmy James (singer) and Roy Walker (comic). The on board singers/dancers did a fantastic job of entertaining us too, with a variety of shows. More
There was a very varied "things to do on board" programme, to keep you occupied, unless you wanted to lay on a bed on deck and catch some sun.
All in all, I think The Oriana was a lovely, comfortable and clean ship, with excellent staff and excellent facilities.
I can't say anything negative about the ship, the staff, or the holiday. Well done P&O, in our opinion, you got it all right. Less
Published 11/06/11
Cabin review: F
We had a cabin on F deck. Quiet. Shower room/ Toilet adequate, but a little small Living area, no problem T.V. a bit small.......also needed D.V.D. player Public address system needed in ALL cabins too Advertised as having a radio in cabin, but there wasn't one GENERAL.....VERY NICE CABIN, KEPT CLEAN, WITH REGULAR CHANGES OF ALL LINENS. NO PROBLEMS AT ALL.
Read Cruise Critic's Oriana Review >>
Not the Voyage for Me
Cunard living on reputation no...
Wheelchair Access Notes - Exce...
Just Superb
We enjoyed the cruise, pity ab...
First time on P&O cruise (Hope...
Stunningly outstanding !
Fabulous Cruise with a Musical...
First cruise but definitely no...
Sponsored Links


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Healthy Environment, Healthy Community, Healthy Business
As part of enacting nationally agreed pesticide reforms in NSW, the NSW Parliament passed the Pesticides Amendment Bill 2 015 on 13 May 2015.
These amendments:
For more information:
A pesticide is any substance or mixture of substances used to destroy, suppress or alter the life cycle of a pest. A pesticide can be a naturally derived or synthetically produced substance. A pesticide can also be an organism.
Pesticides include herbicides, fungicides, insecticides, fumigants, bactericides, rodenticides, baits, lures and repellents. Products used on animals to control external parasites are also considered pesticides if they require dilution or mixing with water, unless they are listed under the Stock Medicines Act 1989 as a low-risk veterinary chemical product. Pesticides control pest organisms by physically, chemically or biologically interfering with their metabolism or normal behaviour.
For more detailed information, including the legal definition of pesticides under the Pesticides Act 1999, see the Environment Protection Authority (EPA) webpage What are pesticides and how do they work?
Yes, because of the associated risks, pesticide use and pesticide users are subject to a range of NSW and Commonwealth controls. The APVMA assesses and registers pesticides before they are permitted to be used in NSW. The registration of existing pesticides is reviewed by the APVMA to ensure the pesticides meet current environmental, health and trade standards.
The EPA regulates the proper use of pesticides through the provisions of the Pesticides Act 1999. Many Commonwealth and NSW government agencies, as well as other stakeholder organisations, have a role in managing pesticides in NSW.The EPA's Managing Pesticides in NSW webpage explains the roles of some of these organisations.
Download the Regulating pesticides in NSW fact sheet (PDF 391KB)
The focus of the Pesticides Act 1999 is to protect health, the environment, property and trade while safeguarding responsible pesticide use in NSW.
Since 1 September 2005, training in the use of pesticides has been compulsory for people who use pesticides as part of their job or business in NSW. These pesticide users must do a short refresher course every five years.
Pesticides can be dangerous if incorrectly applied or managed. Training in their correct use minimises mistakes when pesticides are used and helps protect workers, their families, the community, trade and the environment. If you apply pesticides as part of your job or business, then you need to be trained and keep your training up-to-date.
Keeping records of pesticide use is compulsory for people who use pesticides as part of their job or business in NSW. Keeping records can help reduce health, trade and environmental impacts by providing vital information if problems occur. It can also help track the effectiveness of the pesticides used, and in the event of an incident, assist in demonstrating that pesticides were used responsibly.
Since February 2007, certain groups must provide notification of pesticide use. Public authorities are required to develop notification plans, and property managers and pest management technicians must give notice of pesticide applications to common areas of flats and other multiple occupancy dwellings.
When the Australian Pesticides and Veterinary Medicines Authority (APVMA) declares pesticides products to be restricted pesticides, they can only be supplied to and used by persons authorised under state legislation.
The Pesticides Act requires a person who uses a restricted pesticide to be authorised to do so by way of pesticide control orders.
For more information about pesticides laws, contact Environment Line. For information on reporting a pesticide incident see How to respond to a pesticide incident.
For information on which pesticides are registered, which substances fall under the legal definition of a pesticide or what pesticides are under review contact the APVMA on (02) 6210 4748 or visit APVMA website.
Thank you for your feedback.
Would you like to tell us more?
Ask Environment Line provides answers to common questions about environmental issues and reporting pollution.


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Definition of nutmegs
plural of nutmeg 1
The word "nutmegs" uses 7 letters: E G M N S T U.
No direct anagrams for nutmegs found in this word list.
Words formed by adding one letter before or after nutmegs (in bold), or to egmnstu in any order:
a - augments mutagens
Shorter words found within nutmegs:
em ems emu emus en eng engs ens es et gem gems gen gens gent gents genu genus gest get gets geum geums gnu gnus guest gum gums gun guns gust gut guts me meg megs men menu menus met mu mug mugs mun muns mus muse must mut mute mutes muts ne negus nest net nets neum neums nu nus nut nutmeg nuts seg sen sent set smug smut snug stem stum stun stung sue suet sum sun sung teg tegs ten tens tug tugs tun tune tunes tung tungs tuns um un unmet uns unset us use ut uts
List shorter words within nutmegs, sorted by length
Words formed from any letters in nutmegs, plus an optional blank or existing letter
List all words starting with nutmegs, words containing nutmegs or words ending with nutmegs
All words formed from nutmegs by changing one letter
Other words with the same letter pairs: nu ut tm me eg gs
Browse words starting with nutmegs by next letter
Previous word in list: nutmeg
Next word in list: nutpick
Some random words: amnesia volant hula pipped tmeses thus iatric
This is not a dictionary, it's a word game wordfinder.
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text:
Help us to celebrate Scratch2cash on their 5th Birthday with this all new scratch card game
Scratch2Cash have launched a new game with a birthday theme and a jackpot of €,£,$ 200,000 to celebrate their fifth birthday.
Scratch2cash have just released news about the launch of a extra special game to celebrate their 5th birthday, Happy Birthday!
Just enter the game and you are presented with a massive birthday present that you get to open. It has all kinds of gifts and prize symbols inside. Including fireworks, wine glasses, balloons and even cupcakes with a candle ontop.
All you have to do is scratch open the birthday present and if you match 3 symbols in a line you win a prize. Maybe, just maybe, their Birthday could be your lucky day and you could win the €,£,$ 200,000 that is up for grabs.
Click here now to kick start the celebrations with us and we will give you 5 FREE and a 100% match up bonus.


text:
ONE of Germany's leading political cartoonists, Heiko Sakurai, draws Chancellor Angela Merkel with her eyes half closed, lids drooping. It's not, he says, because she is lazy or dull-witted. On the contrary, she is an indefatigable politician and a sharp negotiator with a head full of facts.
The reason, rather, is that she is impenetrable.
''In a political sense, she doesn't let you see her soul,'' he told The Age. ''Sometimes, I'm not sure she even knows herself where she stands.''
When Merkel came to power in 2005, the world saw a Teutonic Margaret Thatcher. It was an easy label - she was Germany's first female leader and a conservative. But it has proved very wide of the mark.
Merkel, observers agree, has broad values but few firm policy convictions. She is pragmatic, cautious, avoids difficult or unpopular decisions, and has, during her unremarkable first term, trodden a middle road that could easily be mistaken for the path of a centre-left leader.
Her persona is, if anything, even blander than her ideology. Privately, she is said to be funny and charming, sometimes entertaining guests with an amusing impression of French President Nicolas Sarkozy. But in public she comes across as humorless and taciturn. This is no disadvantage in Germany.
Merkel is the nation's most popular politician, with a personal approval rating of 64 per cent. With three weeks to go before she stands for re-election on September 27, polls show that the woman Forbes magazine has named the world's most powerful for the past four years will be back in the Reich Chancellery for another four.
Yet what she would do with a second term has pundits scratching their heads and some of her colleagues wringing their hands. Merkel has all but refused to make substantial promises in a low-key campaign and, when her Christian Democratic Union got thumped in two state elections last weekend, some conservatives finally cracked, and publicly urged their leader to fire up and start articulating a vision.
They shouldn't hold their breath, according to Gerd Langguth, a former CDU parliamentarian who has written a biography of Merkel.
''If she's one thing, she's a fast learner and she's learnt that Germans don't want radical reforms,'' he said, referring to Merkel's electoral brush with political death in 2005 after she promised a sweeping liberalisation of Germany's economy.
''They like change to come in small steps. Merkel's not an ideologue. She's a pragmatic problem-solver and many people love her for that reason.''
It's important to remember, Langguth said, that Germany's democracy was forged after the Nazi era and during the Cold War, when the country was divided. Germans favour political consensus over partisan clashes and are wary of charismatic politicians.
This is especially true right now. With one in three German jobs dependent on exports, the slowed world economy is driving up unemployment. Germans don't want a visionary or a divisive ideologue, they want a safe pair of hands: someone who will work with political opponents to keep their jobs safe.
Germans seem to be happy with Merkel's steady-as-she-goes approach. But around the world there would be big expectations if she was re-elected, said Stephen Szabo, executive director of Washington think-tank the Transatlantic Academy.
''Merkel will be the strongest leader in Europe just by default,'' he said. ''The US is looking to the EU to be a serious partner. The Brits are hopeless; [UK Opposition Leader] David Cameron won't be a strong European. And Sarkozy is too much of a loose cannon.''
Australian Prime Minister Kevin Rudd, who sources say likes Merkel for her no-nonsense way of doing business, will be looking to Germany as a powerful ally at the Copenhagen climate change talks in December. Fortunately, it's an issue she's passionate about. After growing up in communist East Germany as the daughter of a Protestant pastor, Merkel became a physicist. She has gravitated to climate change because it appeals to her rational cast of mind, Szabo said.
''It's the one issue where you see some kind of fire in her belly. But it's about the only one.''
But he also warned that US President Barack Obama probably wouldn't be able to give as much in Copenhagen as Merkel and Rudd would like. How hard will Merkel fight?
That depends on prevailing winds, said Miriam Hollstein, political editor of Die Welt, who collaborated recently with cartoonist Sakurai on a best-selling comic book about the German Chancellor.
''Her politics are very reactive,'' Hollstein said. ''She looks at the mood, then adapts. If things don't work, she is ready to give them up. If she feels that there's the chance of an agreement, say with Obama on climate change, she'll throw everything into it. But she won't risk anything by pushing an idea she can see isn't working.''
Merkel, who speaks fluent Russian, was widely admired in Germany for standing up to former Russian President Vladimir Putin - now Prime Minister - over human rights. Putin reportedly kept his pet labrador in the room for many of their conversations, knowing that Merkel is afraid of dogs. The US will be looking to Merkel to help it deal with Russia, said Szabo.
And it may be in this capacity, as a kind of tough but understated international moderator, that Merkel makes her most lasting impact.
Having risen through the notorious ''boys' club'' of German politics, Merkel has become comfortable and skilful at getting her way by acting as a moderator among ambitious and egocentric men, Hollstein said. ''But if she wants to be remembered by history as more than just the first woman Chancellor, she'll need to do more.''
Though she has no children, her nickname within her party is ''Mutti'' (Mummy). It's not meant respectfully.
''Mutti is the one who nags you to eat up your dinner, brush your teeth, go to bed,'' says Hollstein. ''That's the way they see her.''


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It began as a bookish getaway for the Grade 12 students of an Edmonton private school - they were set to kick off their final year by flying to a remote research centre on Vancouver Island for a series of marine biology classes.
But after dense fog scrapped their float-plane trip Sunday, teachers changed plans and hired a bus to reach their destination. What followed was a day-long, back-country sojourn that left the group stranded along a collapsed logging road, without cellphone service and unreachable. Instead of marine biology, they got a crash course in Canadian wilderness.
When they hadn't arrived at Bamfield Marine Sciences Centre on Monday morning, parents and school administrator Peter Mitchell began to panic in Edmonton, 1,000 kilometres away. RCMP were called to search for the missing bus.
For the co-ed class of 10 students, however, the stranding was a welcome adventure. They chopped down trees, rebuilt a road, washed and brushed their teeth in a local stream. (So, too, did they brave a drink of the water, after its "grossness" level was deemed acceptable.) After 14 hours, their bus driver had found help, ending the impromptu lesson.
Wednesday, they'll return to Edmonton, having skipped marine biology altogether for the unplanned, "exciting" retreat.
"It's definitely a little bit different, going from grinding out the books to going to a stream for water and looking for berries, and all that stuff," said student Brandon James, 17, laughing. "It was different, but I think it really brought us together."
The ordeal began when veteran bus driver Brendan McCullough, 52, found his preferred route to Bamfield closed. He and the teachers decided to follow an alternate route suggested by their satellite navigation system.
"That road would have gotten us there," Mr. McCullough said Tuesday, "except it was deteriorating seriously."
The ensuing hours went slowly. Much of the road was washed out from recent heavy rain, or covered in fallen debris. Students "mined," or gathered, rocks to build up the road where it had washed out, the driver said. They helped cut down a tree. The got out and held back other leaning trees while the bus squeaked by.
"After we had to chop down one tree, hold up other trees and make a bridge out of rocks, we started thinking this might not be the right road," Mr. James said.
By 2:30 a.m. Monday morning, the bus slowed near a sagging culvert, which then collapsed and stranded the group. Mr. McCullough gave in - they'd have to wait until dawn to start again.
When daylight broke, Mr. McCullough dragged his own bike from the belly of the bus (he'd used it to ride to work the day before) and set off looking for help. He heard construction sounds, but couldn't find their source. He doubled back, passing the bus, and continued in the opposite direction.
Meanwhile, the headmaster of the academy, called Tempo School and located in a tony part of southwest Edmonton, was already worried. Mr. Mitchell called Bamfield and discovered his students and teachers were missing. He then contacted RCMP while trying to calm parents.
"Those were difficult calls to make," he said.
But the kids were sleeping, talking or exploring - frustrated, but not worried, they say. Most had never been camping. They tried building a fire with wet wood, but failed. When water ran low, they braved a nearby stream that teachers, too, were skeptical of.
"It was fast-running water. It was limited to what sort of grossness could be in there," teacher Cathryn van Kessel explained. "We're all fine today, so the water was okay."
Five hours later, after an estimated 40-kilometre ride, Mr. McCulloch found the source of the sound - a logging road crew. They came back, dragged the bus out, fixed the culvert, and sent word to Edmonton by dinner time that the kids were all right.
"It's been exciting," Mr. James said. "It wasn't too bad. I don't think anybody got really worried."
On Tuesday, the students were faced with a decision - try for Bamfield again, head to Edmonton immediately, or re-plan their trip in the island's more accessible south. The kids voted for the latter, with a caveat that they'd fly back Wednesday night, a day early, "out of respect for the parents.". Their airline waived the rebooking fee.
"Of course they're a little disappointed of not going to Bamfield," Ms. van Kessel admitted, but the overarching goal of the getaway was achieved.
"Really, the whole point of the trip was to relax us from school and ease us back into Grade 12 and make everyone more comfortable with people in the class," said Mr. James, one of the students. "It's been exciting."
Mr. McCullough, the driver, added: "It was an experience they'll never forget."
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What is it about Alabama this midterm election year? Just when you thought there was no topping the "This is Alabama - we speak English" campaign ad of a few weeks back, comes this fresh joy. And yes, it's real.
The gentlemen above seen expounding his political philosophy is Dale Peterson, and what's unusual is that he is running in the Republican primary for the post of Alabama's state agriculture commissioner – traditionally not a post that attracts much coverage. Or any coverage. Ever. But that's changing.
The Washington Post's top blogger Dave Weigel, who specialises in such things, remarks: "It's like the Axl Rose lyrics in One in a Million came to life and ran for office." Ben Smith of Politico explains: "It's sort of a country Mad Max, and includes the phrase 'thugs and criminals,' aggressive video editing, allegations of yard-sign theft and campaign finance infractions, a horse, and a gun."
Some quick Googling brings us to the Shelby County Reporter, which suggests that Peterson is in a close three-way race for the Republican nomination. The smart money was on Dorman Grace, but after this ad, all bets are off. Dorman's ads aren't bad either: this one proclaims "The American dream is in trouble. But we can take a different road in Alabama..." by voting for Dorman "conservative Republican" Grace. (Who knew the Alabama agriculture commissioner was so vital to the American dream?)
And this isn't even the end of the Alabama political excitement: there's a famous name running for the Republican nomination for state treasurer, George Wallace Jr – son of George Wallace the former governor and presidential candidate, best known for vowing to stand in the "schoolhouse door" in opposition to desegregation and the end of the Jim Crow era. He also made some wacky ads.
On reflection this isn't the greatest political campaign ad ever. That title still belongs to Malcolm Wallop's "Three Riders" Wyoming senate ad from 1976. But it doesn't appear to exist on the internet.


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We know that there is a rather large group of Firefox fans that read this site, therefore many of you will probably find interest in a Firefox 3 T-Shirt Contest that's currently going on. It's an official contest from the folks over at Mozilla and it'll give you an opportunity to be creative and show off your mad design skills. If you happen to design something awesome and win, you'll even get a prize.
Here's the vital information:
- The contest has already started and ends on March 16th (a Sunday) at 11:59 PM Pacific Standard Time
- Designs that are submitted will initially be judged by a team at Mozilla
- The top 5 that Mozilla chooses will go on to a second round in which they'll be voted on by visitors to the Mozilla Store – in other words, the public chooses the final winner.
So what does the winner get? Well, considering that Mozilla will make all kinds of money off the sale of these shirts, you'd think the first place prize would be a little more generous than what it is. The first place winner will receive a $250 gift voucher to Amazon along with a free T-Shirt to "show off your winning design" and "Worldwide recognition for designing the official Firefox 3 T-Shirt featured in the Mozilla Store." While that's nice, I'm sure if Mozilla went and hired someone to create a shirt, they'd be paying a lot more than $250. There are also 4 runner-up prizes which include a $50 gift voucher to Amazon and a free T-shirt.
If you're interested in designing a shirt, checkout this page for more details on how to get started.


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There are not many people who would cycle from Dar es Salaam to Durban, through dangerous terrain, up and down hills and other harsh conditions – all in the name of charity.
But that is what August Carstens, 25, has been doing for the past two months, and his journey is far from complete.
Originally from Stellenbosch in the Western Cape, he became interested in cycling and mountain biking when he was 10.
Carstens, who now lives in Mount Edgecombe, completed a degree in mathematical science at Stellenbosch University last year.
"I decided to take a gap year, with the aim of travelling South Africa as much as possible. The Kilimanjaro to Cape Town challenge provided a perfect opportunity to see some of the places where people rarely travel," he said. "I love being outdoors and I have a passion to help people."
This is the reason why he decided to combine his expedition with fundraising.
Carstens began his journey on April 1, travelling from Dar es Salaam to Kilimanjaro then passing through Malawi, Mozambique and Swaziland. He will complete his journey by travelling from Durban to Cape Town through the Freedom Trail – a 2 350km mountain-bike route that starts in Pietermaritzburg and ends in Paarl in the Western Cape.
"It has been an amazing adventure," he said. "You learn a lot about yourself and how to cope with different situations.
"The highlight of the trail has been the amazing people I have met along the way. I travelled through a lot of villages and rural land. The hospitality of the local people was quite surprising and touching."
Carstens faced several challenges along the way, such as a lack of food, his bike breaking down several times and, just three weeks ago, he was infected with malaria.
He said he managed to face these challenges by remembering The Jag Foundation, Miles for Smiles and the Walter Sisulu Paediatric Cardiac foundation – the charities that have benefited from his journey.
He plans to participate in more expeditions in the future and to continue to help children in need through his travels.


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Birthday Cake / Valentine's - 2006
This was my first 3 leches cake. The recipe was ehh. Everything was homemade, including the whipped cream (eggs whites, sugar [cooked], and cream of tartar). I now use a basic vanilla chiffon cake recipe and the 3 milks :D, so much tastier!! This was for my brother's birthday, he's a valentine baby. Here I used fruit to decorate the cake :D.
O yea, trying something new!


text: Education 26 July 2010 The long road from welfare to work Will the government's proposals to change the way training providers are paid really help solve the By Fran Abrams Sign up for our weekly email * In one of the upstairs rooms at the Rathbone training organisation's facilities in Oldham, Greater Manchester, Josh Duffy is leaning back on a chair that is too small and totting up the organisations that have tried to help him get a job. Rathbone is the sixth training provider with which Josh, who's just become a dad, has had contact since leaving school two years ago. We count them up: first, there was North Lancs Training, where he studied construction. He left to go to Oldham College, where he was enrolled on a Level 1 bricklaying course. Then, after he decided that wasn't for him, a company called Work Solutions provided him with a mentor and some help writing a CV. "I didn't see them often. I didn't have much chance of getting a job. I was young and I had no experience," Josh explains. After about six months without progress, he applied for plumbing. But that was with a private training provider and Josh couldn't afford the £2,500 fee. Next, he embarked on an "entry to employment" course with the YMCA. After eight weeks there, things seemed to be looking up. He had certificates in first aid, manual handling and safety, and the YMCA had moved him on to something called a "foundation modern apprenticeship" in retail, with a placement at an Ethel Austin clothing store. A couple of months down the line, he was told there wasn't any prospect of a job – the chain was cutting the hours of permanent staff and later went into administration. So, Josh washed up at the door of Rathbone, which found him a work placement at a local store called B&M Bargains. Despite his ropey training history, the charity was prepared to give him a go, secure in the knowledge that it would be paid for its work. In future, it might have to think harder about doing this. The new Work and Pensions Secretary, Iain Duncan Smith, proposes that organisations delivering his welfare-to-work programme should be paid by results. That, according to Paul Fletcher, Rathbone's director of youth engagement, will leave them with tough decisions to make about whether to carry on doing what they do best – taking the most disaffected young people off the streets and setting them on their feet – or to focus on the easy-to-help and a healthy bank balance. There's nothing intrinsically wrong with payment by results, he tells me, it's just that it doesn't seem to have been adequately thought through. "Principles are good, but the consequences for the financial balance sheet can be messy," Fletcher concedes. "The big question for organisations like ours is: do we start to be more selective and drive our performance in terms of who we are going to get paid for, or do we stick with our mission and risk not actually getting paid? The way a lot of providers will respond is by being selective at the front door. That means the most vulnerable and the most marginalised could end up going underground, losing their benefits and going into the black economy." Revolving door Duncan Smith's proposals are an extension of rules that began to be implemented under the last government. Under Labour's Flexible New Deal, providers were paid 20 per cent of their fee – typically about £1,400 in total – upfront, 30 per cent when clients had found a job and stuck at it for three months, and the rest after they'd been working six months. Now, it's likely that the full payment will not come in until they have stuck with a job for a year. In some ways, what is happening is a fundamental shift in the way we deal with the young unemployed. Previously, the critical target of government programmes was to get people off the books of organisations such as Jobcentre Plus, so the end result was less important. Julie Bird, the Rathbone tutor who brought Josh to the centre, sums up the old approach: "Everybody has targets to meet and as long as [the clients] are in some kind of training, it makes the statistics look good." The problem with this, she explains, is that these programmes become an end in themselves. Lots of people, like Josh, end up in a kind of revolving door, spat out by one provider, then sucked in by another. "There's quite a few in that situation," Bird says. "There's not always a guaranteed job at the end of it. Once the young person's off that book, there's no follow-up." So well recognised is this phenomenon that there's even a word for it in the trade – "churn". There is no requirement for training organisations to monitor how many times their recruits have been around the course before, so there are no statistics to back up the sense that these short-term fixes haven't been working. Yet a major study on disengaged youth published in 2008 by the Nuffield Foundation and Rathbone estimated that four out of ten young people who were out of work were caught in a repeating cycle of short-term courses, casual employment and joblessness. Rebuilding walls Duncan Smith's payment-by-results plan is designed to deal with this. The question for the new government will be whether, by such a simple expedient as not paying the providers of back-to-work schemes until they deliver long-term results, it can reverse decades of labour-market casualisation and even the age-old tendency of the young to drift from one job, or one course, to another. With youth unemployment hovering at the one million mark, and reports that there will be 70 applications for every graduate job this year, the issue looks unlikely to go away in the near future. Fletcher has a different solution, which is gaining currency among many of those who work with the young unemployed. We should, he says, return to the glory days of Margaret Thatcher's Youth Training Scheme (YTS). One of Fletcher's first jobs was running such a scheme. "We rebuilt people's garden walls with old tradesmen passing on their skills, so there was job satisfaction and understanding," he says. "The key thing is, it's got to be perceived as real. At the time, I thought it was just OK, but with hindsight it was a good scheme." YTS, he points out, was a 12-month placement – later extended to two years – with a non-means-tested allowance of around £30 a week – the same as today's education maintenance allowance, and in real terms about three times as high. Most of the participants progressed into real jobs. Josh, after many false starts, has almost managed to do the same. He's just been told B&M Bargains is prepared to take him on as an apprentice. He talks with enthusiasm about his workplace, where he has been getting a £30 allowance for a 30-hour week since last November. "I'm looking after the furniture department. I build displays and do merchandising. It's great – I like hands-on work," he explains. As an apprentice, he'll still be on a low wage: "It's rubbish, but it's got to be done," he says, cheerfully. For him, finally, there should be a happy ending. It is much less clear how the legions of similarly unlucky or confused young people will fare under the new system. The lost generation Unemployment rose from 1.3 million to more than 3.4 million during Margaret Thatcher's premiership. Families were hardest hit in Northern Ireland, where unemployment reached 20 per cent, and in Scotland and the north-east, where the jobless rate was roughly 15 per cent. In response to the persistently high rates of youth unemployment, Thatcher founded the Youth Training Scheme, a programme offering on-the-job training to 16- and 17-year-olds. The scheme was praised by some as an effective replacement for apprenticeships, but others argued that it enabled employers to exploit school leavers as cheap labour. Many historians view the rise in unemployment as a regrettable but necessary consequence of the Tories' economic policies. Others, however, contend that the Thatcher government deliberately raised unemployment in order to destroy trade union militancy. Sir Alan Budd, who recently resigned as head of the Office for Budget Responsibility, said in 1992: "Raising unemployment was an extremely desirable way of reducing the strength of the working classes, if you like . . . What was engineered there in Marxist terms was a crisis of capitalism, which recreated a reserve army of labour and has allowed the capitalists to make high profits ever since." George Eaton Subscribe from just £1 per issue This article first appeared in the 26 July 2010 issue of the New Statesman, Wanted: leader of the Labour party


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On Monday, November 20, 2006 7:03 PM, Christophe Varoui wrote > Something like the attached patch, for example. > (extreme hack to readsector0 to showcase the facility) Looks good, except for ... .. just a simple change to multipath/main.c:update_paths() to set the mpp field of each path so that the immediately following call to pathinfo() will call get_state() on a path with its mpp field set. This enables "multipath -ll" to utilize the shared context field of the multipath struct.
Description: patch


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EDDIE Abel has broken his finger for the second season running.
The South Wilts left-hand opener, pictured, will miss the remainder of the season after breaking a finger in last Saturday's Premier Division win over St Cross Symondians.
He did his bit with the bat, making 79, but broke the top of his middle finger while fielding in the slips after tea.
It's the second season running Abel has broken a finger and missed the climax to the season.
"I was gutted when it happened last season and it's unbelievable I've got injured again," he said.
"After last year I was so looking forward to playing a major role this time around, but now it looks as if I'm stuck on the boundary again."
Zimbabwean all-rounder Ryan Burl, out for three months with a dislocated shoulder, made a successful return at the weekend, though he is experiencing back problems.


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Approvals for car leases in August plunged nearly 30% compared with August 2015. But experts say it's due to the rising number of lease applications, not a softening credit market.
Find out why car leasing is at its highest level on record.
Used car shoppers will have a much larger inventory of cars to choose from in the coming months, thanks to an influx of cars being returned at the end of their leases.
Shoppers looking to lease a car are frustrated with the deals advertised on TV, a new study says.
New car registrations are at the highest rate in at least the last five years.
New-car leasing is up 12.5 percent, the highest level since Experian Automotive began tracking it in 2006.
Coming to the end of your car lease? Ann Carrns of the Bucks blog at the New York Times has an idea: The recent rise in used-car prices may provide a lucrative opportunity for those with leases to come out ahead of the game. That's because dealers set a so-called residual price when they lease
If you're noticing more ads for hot auto lease deals lately, you're not imagining things. Like Jason Vorhees, auto leasing keeps dying and coming back so many times it's getting hard to keep track. Ward's Auto has an interesting article this month on a renewed leasing push by automakers: Leasing took a hit in 2008
If your retirement planning doesn't leave enough money to pay off the car lease you committed to when times were better, here's a possible solution. LeaseTrader.com, a website that helps people get out of leases they don't want anymore, notes that baby boomers are among their best customers. About 29 percent — up from 21


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By Michele Saracino
Published by Liturgical Press, $29.95
As a Cuban-American born in the Unites States, I grew up with a strong sense of being different. It is nothing I ever sought out. Yet markers of my everyday life, such as my parents' thick accents and the black beans on our dining room table, quickly instructed me that I was not like most typical girls in the United States. This difference was a source of joy and pain throughout my childhood. Years later, as an academic I began to intellectualize that sense of difference. I found a home in the voices of Latino/a and feminist theologians that highlighted difference and diversity and the function of power within our culture's sense of what is "normal" and what is different.
Having just finished reading Michele Saracino's Being About Borders: A Christian Anthropology of Difference, I feel like I have found a new home. This excellent book offers a constructive theological anthropology that highlights difference as fundamental to our world today and our sense of self. The introduction of the book offers two significant claims for all of us to seriously consider. The first is that in a world where borders are constantly being challenged through technology and globalization, the complexity of human difference simultaneously becomes erased. In other words, we cannot erase the particularity of who we are as we become more interconnected as a human community. The second claim is that this book offers an affective understanding of theological anthropology; Saracino does not want emotion to be subordinate to reason.
Chapter two examines affective theological claims for navigating border life. Saracino shrewdly points out that just because we are encountering difference at exponential rates does not mean that individuals are not having negative reactions to it. The encounter with difference can and should be difficult and challenge our sense of self. Christians must acknowledge the interconnectedness of human life, for an awareness of hybridity can promote empathy, what Saracino describes as an affective openness to others. Chapter three examines interpersonal border encounters, focusing on pregnancy and parenting as examples that highlight the porous nature of interpersonal borders. Saracino reminds us that Jesus at his core is on the border between God and humanity. His hybridity is theological in its salvific import to all.
The following two chapters focus on the current global context, examining Jewish-Christian relations and international border disputes. Saracino also examines our sense of self here in the United States in a post-Sept. 11 context. She reminds us of the manner in which images and propaganda shape us and how we understand those whom we see as different. She calls us to see each other in each other's stories. The final chapter of the book draws from trauma treatment as a foundation for elaborating a Christian anthropology of difference that highlights attentiveness, storytelling and respect.
We refreshed our website! Drop us a line at firstname.lastname@example.com to tell us what you think. We value your feedback.
As a Latina feminist theologian, I am not new to discussions of difference. Perhaps that is why I was so refreshingly surprised and inspired after finishing this book. Saracino is able to cast the question of difference in ways that speak to all of us as Christians, not just because we are part of a particular racial or ethnic group. I also appreciate the honesty of this text. Saracino, in ways that other authors have not done so previously, is very straightforward about the difficulties of difference, the fact that difference challenges us. Yet despite the difficulties of the encounter with difference, one ends this book with a sense of hope, calling us to be affective and compassionate in our encounter with others.
[Michelle A. Gonzalez is assistant professor of religious studies at the University of Miami.]
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SEC power ratings
Published: Friday, March 1, 2013 at 8:00 a.m.
Last Modified: Thursday, February 28, 2013 at 8:58 p.m.
1. Florida: Gators' season-long hold on first in the conference slipping.
2. Alabama: Big game looms at Florida on Saturday.
3. Kentucky: Wildcats have won three straight, all at home.
4. Tennessee: Hottest team in the conference right now.
5. Missouri: Still can't win consistently on the road.
6. Ole Miss: Marshall Henderson heating up again for Rebels.
7. Arkansas: Ditto Missouri.
8. LSU: Improving each week under first-year coach Johnny Jones.
9. Georgia: Last two losses have come by combined 3 points.
10. Texas A&M: Elston Turner can't do it alone for Aggies.
11. Vanderbilt: Commodores improving during rebuilding season.
12. South Carolina: Playing harder and more focused of late.
13. Auburn: Third-year coach Tony Barbee on the hot seat.
14. Mississippi State: After winning first two SEC games, Bulldogs have dropped 13 straight.
Reader comments posted to this article may be published in our print edition. All rights reserved. This copyrighted material may not be re-published without permission. Links are encouraged.


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Mary Elizabeth Iriarte (Nee Houlahan) died May 4, 2014 at Ahuja Medical Center in Beachwood after a long illness.
She was the daughter of the late Mary Elizabeth (nee Rabon) and Maurice Houlahan, mother of Sergio (Cassandra), Eduardo (Renee), and Roberto (Katherine) Iriarte, grandmother of Justin, Jameson, Mirabella and Liana, sister of Maureen (and the late Bob) Normile, Brian (Marilyn) Houlahan, and the late Patrick (Joan) Houlahan, and Tim (Karen) Houlahan, and the aunt of many.
She worked at the Acme in Hudson for many years and for 10 years as concierge at Laurel Lake Retirement Community.
Memorials may be made to Cross Roads Hospice, 3743 Bottler Oaks Drive, Uniontown, Ohio, 44685.
Mass of Christian Burial was at Saint Mary Catholic Church.
Services arranged by Johnson-Romito Funeral Home.