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Charlie Harper of the Dublin Courier Journal has a smart take on the tuition loan bubble that both President Barack Obama and presumptive GOP nominee Mitt Romney have now endorsed.
Two paragraphs, via PeachPundit, to whet the appetite:
The amount of total student loans outstanding is estimated between $870 billion and $1 trillion according to the Associated Press, an amount that has doubled in the last five years. To put that in perspective, total credit card debt held by Americans is estimated at $693 billion and total auto loans outstanding are about $730 billion according to the Bank of New York. The amount of student loan debt and its role in our economy is not inconsequential.
Instead of extending and pretending, we must have an honest policy discussion with regards to deflating this bubble. Why are degrees in philosophy and art history subsidized at the same level as math and science fields? Why are borrowers allowed to receive loans without demonstrating they have conducted an analysis of how they expect to pay the loan back? Surely they should be able to complete a simple pro-forma of the average income for a graduate in their field and then deduct the expenses for the cost of living in their chosen city plus the debt payments they will have to make. Why is this not part of the application process?
- By Jim Galloway, Political Insider
For instant updates, follow me on Twitter, or connect with me on Facebook.
April 25th, 2012
1:33 pm
As a history/religion major, I am sorry to say that Mr. Harper is quite right.
It is also past time to rescind tax-exempt status, as well as eligibility for federal grants and student loans, for all institutions that raise the total cost of attendance more than 10% over the rate of inflation, and to force academic institutions to abide by the corporate tax-exempt requirement that a minimum of 5% of their endowments be returned to primary beneficiaries annually.
There is nothing else that will stop the appalling, usurous inflation in the college market.
April 25th, 2012
1:37 pm
Yes, why not we make it harder for students to get loans. The problem surely isn't that there aren't enough jobs, it's that these students can't pay their loans and should required to show evidence that they can do it before they even enter a job search. Yes, that's perfectly logical.
The decline of the humanities in our culture is a serious problem. Math and science professionals are desperately needed, but so are individuals who can preserve history and languages.
April 25th, 2012
1:46 pm
As an anthropology major who now works with big data, I would have to respectfully disagree. My liberal arts education did not teach me statistics, true – but it taught me how to be a lifelong learner, and because of that I was able to teach statistics to myself. Now, I know more about statistical analysis than some people with master's degrees.
The REAL problem is the writing skills of many college graduates these days. If a person cannot use an apostrophe correctly, I cannot hire them. Someone who paid $80,000 for a college education really should be able to use basic grammar. My current research assistant came to the United States from mainland China a few years ago – when she was already in her twenties – and she knows the difference between it's and its.
Liberal arts are are in many ways the best thing that Western Civilization has to offer non-Western peoples. Let's not get rid of them.
April 25th, 2012
2:06 pm
Thanks for the post Jim. And for the nice words Shar.
As for Cassie's assertion, it's interesting that you argue for the value of liberal arts making qualitative assessments, yet you translate a question of whether subsidies of different fields should be equal to "get(ting) rid of" liberal arts majors. No where is that argued or implied, big data or otherwise.
CNBC did a documentary on student loan issues a while back where a girl who wanted to become a missionary accumulated well over $100,000 in debt before graduating and entering her chosen field. Do you think at some point she would have benefitted from seeing a simple worksheet showing her projected starting salary of $18,000 per year, her expected after tax paycheck, her estimated loan payment, and how much would be left for living expenses?
The loan could have still been hers just as easily, but hopefully she and others would at least ask the question if they needed to borrow six figures as the best path to get that job.
April 25th, 2012
2:09 pm
Why do we allow CEO's who give no value added to receive 800 times the salary of their lowest level worker when they do not produce an 8000% ROI on the corporate stock?
April 25th, 2012
2:21 pm
Charlie: yes, I agree with you that students would benefit from being walked through that kind of cost-benefit analysis not just once but every year when they sign for that year's round of loans. A spreadsheet showing what people with different majors tend to make when they graduate would be helpful as well. It was twenty years ago, so maybe things are different today, but I remember the process of getting and signing my student loans was extremely rushed. The administrators were just like, "Okay sign here bye." Paying those loans off, however, took me over a decade…..
April 25th, 2012
2:38 pm
And Cassie, that is exactly my point in the full article. The government makes an unlimited amout of money available. Colleges can charge what they want because students go through a process as you describe. They're then told to spend a lot of time, 5-6 years if necessary, to "find themselves". then, when they eventually graduate, they're handed a payment book that they'll have for 10-20 years and told "good luck". Colleges are happy, the government guarantees the money so the lenders are happy. And the graduates get to foot the bill whether they can find a job or not – and can't even bankrupt on it if they can't ever pay.
It's not meant as a war on the liberal arts. It's a warning that we need to educate students to be better consumers before they sign up to a lifetime of payments.
April 25th, 2012
2:55 pm
Universities are organizations run by liberals. So, like government bureaucracies, they have suffered from an explosion in expensive, useless college administrators. Like law firms, they have engaged in destructive, "competitive salary" wars for retaining "top talent' that is completely detached from the reality. To teach courses like….Swarthmore College's "Nonviolent Responses to Terrorism" course "deconstruct[s] terrorism" and "build[s] on promising nonviolent procedures to combat today's terrorism," using the struggle blacks pursued in the 1960s as a mode for tackling today's terrorism….or….UPENN, which is teaching "works about "adultery," watch "several adultery films," and apply "various critical approaches in order to place adultery into its aesthetic, social and cultural context, including: sociological descriptions of modernity, Marxist examinations of family as a social and economic institution" and "feminist work on the construction of gender." (See http://www.humanevents.com/article.php?id=18926)
And, the coup de grace for every liberal in power in an organization that is not subject to market forces – they are spending someone else's money, with no internal reality checks.
At private schools, students and their families get stuck holding the bag. In Georgia, with Hope, the taxpayer does. Every time I go back for a Georgia game, I see some new, gargantuan construction project on campus. Who's money paid for that? On what alternate universe can some bureaucrat approve a third student center in the middle of a recession?
I left a private law school with over $120,000 dollars in debt. Now fortunately, I earn enought to pay this back – to the tune of $1200 a month (to achieve my goal of paying off my student loan debt before my own kids are in school). So I would have passed Mr. Harper's threshold test. Regardless, my law school professors still drove to school in bmw convertibles and lived in mansions in the countryside. It is an enormous sham.
April 25th, 2012
3:07 pm
@Cassie, I understand and sympathize with your concern for the humanities, but it is (or should I write 'it's'?) sadly true that many people who read your assistant's work will not be able to tell the difference the apostrophe makes and would not thank you to point it out (I learned that the hard way when I foolishly corrected a senior client who repeatedly used "mute" for "moot". Ouch).
I don't think Mr. Harper is saying that students who want to go into the humanities should not receive loans, but they should not receive taxpayer-funded loans which will obligate them to greater payments than they can reasonably afford to make. Upperclassmen in high school are seduced by climbing walls and party nights, and they just don't look at the bottom line of cost and what that inexorably means to their lives post-college.
My elder daughter opted out of her expensive research university in favor of a community college that allowed her to experiment with classes as diverse as ceramics, auto mechanics and marine anthropology as she took the slow road to finishing her pre-reqs for nursing school. She wanted to explore and knew that was unaffordable in the high tuition environment. My younger daughter loves her classes for her English and economics majors but her dad and I have told her that she must also pick up a STEM major in order to be employable once out of school and to keep her options open for graduate studies.
They do not have the option I took of majoring only in what drew them. We are doing our best to finance their education so they can avoid graduating with debt, but to do so they don't get their choice of schools and they don't get to take only their favorite courses.
April 25th, 2012
3:09 pm
Wow do you really miss the point of education as well as civilization.
That said, nobody has hit the nail on the head where the real 'tuition' problem is (although several expose's have). That would be FOR PROFIT AND ONLINE SCHOOLS THAT HAVE ACCESS TO FEDERAL STUDENT LOAN DOLLARS.
As long as people with no pre-requisite training for college can find a bogus trade school on TV and access Federal loans to get a non-degree with little or no eventual earning power, this problem will continue and grow. These 'institutions' have default rates far beyond standard higher learning Institutions.
Half-hearted attempts to remove them from the Federal teat have been blocked by the imaginary free-market teaklanners. This brings the real problem into clear relief.
Blaming a liberal arts education for this problem (like many other problems that conserrrrrvatives want to blame on liberal arts) is a false argument.
Fix the real problem first, then lean on the real schools to put their endowments to work or close their doors.
April 25th, 2012
3:12 pm
If the schools themselves were held accountable for these ruinous cost increases, instead of being able to raise prices as soon as more federal money is directed to Pell and other grants, the costs would immediately – even instantly – be contained. Threaten their access to grants and to tax exempt status and you would see a rapid about-face.
We can continue to make loans available to students, but they should not get to attend universities that are undermining our budget and the ability of young people to invest in homes and families through selfish, ill-advised spending on the government dime. Those institutions are not of benefit to taxpayers, and should not receive tax-funded benefits.
April 25th, 2012
3:25 pm
@Shar: Did you learn manners? It's just rude to correct others, unless you are their teacher. I am sure that a Senior, who is also YOUR client, would find it more offensive. I guess that there are some things that a college education does not cover.
April 25th, 2012
3:38 pm
Hide-n-seek: You are so right. It just slipped out, after weeks and weeks of my client using the wrong word with a smug, I-have-a-big-vocabulary air on top of it. I was also a lot younger then. The incident aged me quickly.
April 25th, 2012
3:50 pm
Shar, and others:
A year or two (or three?) ago when there was supposedly a 'crisis' in the student loan area – i.e., 'we can't let it fail – the banks have to make the loans!' I was thinking: hey, let it fail. Let's see what happens.
Will the schools *really* have fall semester with no students? Really? Or will they figure out a way to have students on campus? Because without the federal loans/subsidies, the schools can't work. So wouldn't it be nice for them to have some sort of incentive to make it all work?
As it is – when one goes to a campus these days – we can all see where the money is going. It's not going to faculty and supplies, it's going towards microwaves and fridges in dorms, to nicer dorms, nicer workout facilities and nicer student unions. In NO WAY are these universities educating students BETTER than they were for those inflated prices.
It's a real problem. Talk to someone trying to get a position as a professor. Universities are hiring 'visiting' professors, treating profs basically like research assistants.
While -shock- the administrators are making A LOT of money.
And really – why *should* govt just subsidize EVERYONE'S education? If we see the need for more engineers/science/math majors, then maybe we should say: hey, we'll give you money if you do this?
I mean, the armed forces pay for a lot of degrees – how many do you think are in english? They want science/math/engineering majors.
Why not a limit on the number of humanities majors that the govt will subsidize? If we're paying for it, we should have a say. if we want more people in STEM majors – maybe we should do something rather than just say something.
April 25th, 2012
3:59 pm
These damn people, steeped within the poisonous atmosphere of total disregard for consequence, sign these loan documents with the same forsight they have demonstrated all their lives…"If I foul it up, somebody will bail me out". The very structure of the public school systems, where mediocrity and minimum expectations are the norm, have not prepared these kids to assume much in the way of viability within an unforgiving economy…much less read AND understand loan contracts.
April 25th, 2012
4:24 pm
Privatized Profits with Public Risks does a healthy corporation make.
Individual responsibility is for the young.
April 25th, 2012
4:26 pm
You know if we let students, the supposed clients, have a true say in the governance of the curriculum, perhaps these increases might be stopped.
At the least, one could allow Alumnus such a say rather than say…the administrators and the faculty.
The only other comparable institution are legislatures and we can see how well those are working out.
Bring back the Monarchy I say.
April 25th, 2012
4:45 pm
I recently read that a good rule of thumb for student loans was that the total at graduation shouldn't equal more than one year of the salary you should expect to make that first year.
When one submits a financial aid form, they calculate two numbers – what the total cost is for attending school that year, and how much you are reasonably expected to contribute based on your income and assets.
Problem is, they'll loan you up to the total cost. I know two people who worked full time in professional jobs while borrowing as much as they were allowed. Now one has three masters' degrees – the company paid tuition while he maxed out loans, and kept getting new degrees to stay in in-school deferment. The other has a law degree and a student loan debt bigger than my mortgage (and I live in Buckhead).
April 25th, 2012
4:55 pm
When will the students of GSU demand that the football team be eliminated? They voted to increase their own fees by hundreds of dollars and then turn around and complain that college is too expensive? Pretty sure you can learn and earn a degree without a football team. Compare the physical environment of the campus and typical student housing to what existed a couple of decades ago and you'll see that it's like comparing New York.to Port-au-Prince. Everyone likes to mindlessly blame "administrators" because it's a faceless group and requires no hard proof. But take a good long hard look at what is required to provide an effective teaching environment versus the MTV 'Real World' lifestyle many of these colleges provide and you'll see how to make education affordable again.
April 25th, 2012
5:06 pm
School types, majors…I think those are just red herrings. Bottom line is that costs inevitably rise whenever people are spending OPM (Other People's Money).
Create a perceived practically unlimited value to a college education. Add students and parents subsidized with ever-larger loans, universities subsidized with ever-rising government and student tuition funds, lenders subsidized by the government and/or with no risk of default. Sound familiar? Sure enough, this is brought to you by the same dynamics that created the real estate bubble. And when the music stops and there's a chair short, things will get ugly.
April 25th, 2012
5:22 pm
I have a degree in history with a minor in classics. I now work in IT and have paid off my 30k in students loans (it took me 15 years to do that). I'm just sayin'.
April 25th, 2012
5:28 pm
When I went to college, early eighties, most students didn't get loans, they worked a lot during the school year and during summers. Of course, we wouldn't want to ask that of students now!
April 25th, 2012
5:31 pm
Only liberals go to college, and only liberals come out. Reason enough to make a college education as hard to get as possible.
April 25th, 2012
5:38 pm
yea bigdawg there are plenty of jobs today……you must have gotten in when it was easy
April 25th, 2012
6:16 pm
I used to work in the University System. The problem is the huge bureaucracy of unnecessary support positions. Universities don't need an Office of Sustainability or an Office of Diversity….to name a few. The way it works is the more positions your department has, the more important you are. Deans might move and rename positions but they won't eliminate and downsize. It's a game of continual growth and if cuts come, the university presidents will whine and claim the school will be irreparably damaged.
Don't believe it. There is plenty of fat to cut. Presidents and Deans will cut part-time faculty so that classes will be overcrowded, students complain, and the university can score some political points over the Governor and Legislature. Our universities can run just as effectively on a lot less money.
April 25th, 2012
6:18 pm
Here is an idea. Stop making students take stupid courses such as healthy living, or adjusting to college life. How about having students take courses that are, I don't know, necessary?! I am not sure what it is like now, but back in the early 90's when I was in school, I had to take a ton of "electives" that nothing to do with my major and 2 classes in "Arts and Letters." Really? Now I hear kids today are required to take PE in college? Here is an idea and if I remember correctly this is how it was back when I was in school. First 2 years was the "core classes" – history, sciences, math, English, humanities, and a foreign language (if you were an BA major). The next two years are Major courses – the curriculum that is in place for you area of study (Psychology) and whatever other thing you decide to minor in (theater: don't hate). Stop making students pay for courses they do not need to take and if they fail, kick them out of school. Just my two cents. (same thing for graduate school as well)
April 25th, 2012
8:24 pm
I see comments on here about for profit schools and I couldn't help but think, "it is not just state funded schools that have issues". In terms of front line exposure I couldn't be closer. Daily I work with students that come to the university, who are looking for a number of things from college, including financial aid money. I really love helping the students who are genuine and want to improve their situation, but I also see a side that fills me with guilt.
I work for a non-profit who just wants as many students through the door as possible. You don't know what a web browser is? YOU'RE IN! You're reading skills are at the 3rd grade level? YOU'RE IN! You can't fill out an online application by yourself? YOU'RE IN! On top of this I have to help the student do these things knowing they will be unsuccessful in his/her classes and guess what? The professor passes them. So when they show up with a full set of gold teeth, tattoos covering their cleavage and they ask for an emergency loan check (which we'll give them thanks to you). This is right after they just finished a french hot orange manicure and have gold rings on each finger and carry a Louis Vuitton. I can't help but think, "this just can't last".
I know it can't last because, I hate to say it, they are not employable. I will honestly say from the students I speak with almost 80% are their for the financial aid and loans. Most can't communicate on a level that is needed for a business professional to be successful. I had a student today explain to another student how easy it was to get "free" money and to just sign here and here. No worries when to pay it back and if I asked her the interest rate I doubt she'd have a clue. These people need community centers and computer literacy classes, not full on degrees.
Once again, the middle class will be paying for this when we shell out for the defaulted loans. I'm all for equal educational rights but man, this "experiment", has gone too far.
April 25th, 2012
9:39 pm
[...] loan rates downTampabay.comPresident Obama Talks Student Loans During Iowa VisitKIMTCNBC.com -Atlanta Journal Constitution (blog) -NewsChannel5.comall 924 news [...]
April 25th, 2012
9:41 pm
"Why are degrees in philosophy and art history subsidized at the same level as math and science fields?"
Well, as the New York Times recently reported, the percentage of art history majors, as well as philosophy majors, in the top one percent of income earners is greater than the percentage of microbiology, physics, math, accounting, and computer science majors, just to name a few. But don't let the facts stand in the way of your wild generalizations, bubba.
April 26th, 2012
5:17 pm
[...] Bailout?CNBC.comEven after bankruptcy, trapped by student debtChattanooga Times Free PressNPR -Atlanta Journal Constitution (blog)all 184 news articles » This entry was posted in Credit Card Issues and tagged [...]


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Taste the Flavors of the Rainbow
Thursday, October 1st
Archer 481
Come kick off LGBT History Month with a variety of ice cream that are as diverse as our community! In addition to mouth watering ice cream, the Office of Diversity Services will be providing information on LGBT events throughout the month.
Back to Events Listing »

subset: commoncrawl


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Today's Events
Free Flu Shots for Students! - A flu shot is the best way to protect against the flu! (Recurring Event)Health Center & Pharmacy: 2nd Floor Conference Room
Getting a flu shot is the best way to protect yourself from catching the flu this year! Everyone 6 months and older is recommended to get a flu shot each year. Bring student ID to the Health Center. Just look for signs on the 1st floor. Available Monday-Friday during Health Center hours until supplies run out. For other locations, see ...Events at UCF View Event
Burnett Honors College Family Weekend Open HouseBurnett Honors College
Please join Dean Wang and Honors faculty, families and fellow alumni on Saturday, Sept. 20 at 11:30 a.m. for the 9th Annual Family Weekend Open House at The Burnett Honors College. Enjoy faculty mini-lectures, student presentations and brunch before our UCF Knights take on the Bethune Cookman Wildcats.For more information, call The Burnett Honors College at 407.823.2877 or email email@example.com. ...Events at UCF View Event
UCF College Showcase - Family Weekend 2014Student Union: Pegasus Ballroom
Interested in learning more about your college? Join the colleges at UCF as they showcase what they have to offer.Events at UCF View Event
UCF Volleyball vs. MarquetteThe Venue
Come watch your UCF Knights take on the Marquette Golden Eagles at the Venue at UCF Season tickets are only $30 and single game tickets are $5. UCF Faculty and staff can purchase a ticket for $3 and UCF students receive free admission. For more information or to purchase tickets please call 407-UCF-1000 or visit www.ucfknights.comEvents at UCF View Event
Theatre UCF Presents "Baltimore Waltz" (Recurring Event)Theatre
With BALTIMORE WALTZ, playwright Paula Vogel pens a love note to her brother who recently passed away from AIDS-related complications. Anna and her brother embark on a fantastical trip to Europe in order to flee the diagnosis of Acquired Toilet Disease, a fatal disease contracted by the sister from a school bathroom. Will they find an escape before reality sets ...Events at UCF View Event


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Phentramin-D Review: Get a First Hand Look at One of The Best Diet Pills On The Planet!
If you are like many people out there who are rearching for the top over the counter weight loss supplements that work fast then this review is one that you will need to read from start to finish.
Whether you have a serious weight problem or are just looking to lose a few pounds, you know just how frustrating it can be trying to find a "really good" diet pill.
This is our top rated diet pill for 2014. Superior ingredients in this supplement backed by customer support that is second to none make this the ultimate weight loss product on the market.
Overall Rating
Speed of Results
Customer Feedback
Company Reputation
Top Rated!
This is our top rated diet pill for 2014. Superior ingredients in this supplement backed by customer support that is second to none make this the ultimate weight loss product on the market.
And as you have probably experienced in the past, there's nothing more frustrating than buying a weight loss product that that doesn't work; either it makes you sick or even worse, you end up buying an herbal supplement that is so weak it may as well be filled with sugar.
Well your days of frustration are over thanks to Lazarus Labs, one of the top manufacturers of pharmaceutical grade diet pills in the United States. The most popular products that they offer is Phentramin D tablets and capsules which are a direct replacement for prescription weight loss pills such as Phentermine, Adipex-P and Xenacal.
[For more detailed information on Phentramin-D vs. Phentermine check out this article: Does Phentramin-D Really Stand Up Against Phentermine? ]
Does It Really Work?
Well, the biggest question that people ask is "does it really work?" What so many people don't realize is that this is a proven over the counter diet pill that utilizes a specific scientific formula that has been created to help you lose weight fast.
The company that created the product, Lazarus Labs, claims that it happens to be the most potent diet supplement that you can buy without the need of a prescription.
This weight loss supplement was specifically created to replace Phentermine, which is now only available by prescription from a doctor.
What is really great about Phentramin-D Hydrochloride is that it provides all the positive aspects comparable to Phentermine without causing any of the negative side effects often associated with that drug.
What Are the Main Ingredients In This Product?
One of the most fascinating aspects of Phentramin is its powerful ingredients that, unlike most herbal slimming pills on the market today, are comprised of 100% pharmaceutical grade synthetic compounds.
Ever since the ban of Ephedra in April of 2004, dieters everywhere have been looking for a replacement that actually can live up to its claims. If there is one Ephedra substitute that we feel can stand up to scrutiny, then this is definitely it.
The ingredients in include a proprietary blend of:
- 2-Phenylethylamine (PEA)
- 1,3.7 trimethylxanthine
- Hordenine
What Makes it Better?
Most of the online reviews that you will come across don't tell you this, but it does not contain any herbal ingredients in its formula.
Many other diet supplements contain cheap ingredients such as Green Coffee, Acai and various species of the Cacti family that claim to help you lose weight naturally, but have very little proof to back them up.
Manufacturers that use these herbs lead people to believe that their products are healthier and are a better way to lose weight. There is no scientific proof or hard evidence that these herbal supplements can help you lose weight at all.
Is This Another Weight Loss Scam?
This is like no other diet pill on the market today because it only uses 100% pharmaceutical grade chemical compounds that are not often found in popular weight lifting supplements.
These are the only legal synthetic compounds that have been said to:
- Lower your appetite
- Boost your metabolism
- Increase your energy
When comparing the ingredients to herbal counterparts, it's clear that Phen-d always comes out on top.
Where Can You Buy Phentramin-D?
The best place to buy Phentramin D for the best price is directly from the manufacturer on the Official Website. There is no other method that is going to ensure that you are getting a genuine product and not a cheap knock-off or an expired product.
The price is actually unreal considering herbal diet pills that you can buy at your local health shop cost just as much. So here is the breakdown of prices and the best deals.
- A one month's supply will only run you around $67.
If you choose to purchase it in bulk, you can usually find deep discounts.
- A 90-day supply is only $52.33 per bottle.
If you decide to save some money and buy the largest package then you will get the best deal!
- A 180 day supply, you will pay only $49.83 per bottle.
It's clear that buying in bulk is the way to go!
If you wan more information please go to the Official Website.
Does It Cause Any Side Effects?
The question that everyone wants to know besides if it really works is if it causes any adverse side effects. From my personal research and from all of the customer reviews plus all of the articles comparing Phentramin-D to Phentermine, I can honestly say no. But you need to remember that this is from what we have personally seen with the product.
If you take time and read some of the reviews online that you will see that there are very few reported negative side effects associated with these diet pills, especiall when compared to Phentermine or Adipex.
As long as you take it as recommended, there is very little chance that you will ever experience a negative side effect while trying to lose weight.
Now if you choose to throw caution to the wind and increase the dosage amounts, then you may experience some dryness of the mouth, upset stomach, restlessness and irritability. These side effects may or may not only last a few days and may even disappear completely when you return to a normal dosage.
Q: Is Phentramin-D sold in stores like WalMart, Walgreens, Rite Aid, CVS and GNC?
A: No. All sales are done online through the Official Lazarus Labs website.
Q: Can you buy it on Amazon or Ebay?
A: No, it is not currently sold on Amazon or Ebay.
Q: Are there any coupon codes?
A: At this time there are not any coupon codes available.
Q: Do they offer a free trial?
A: There is not currently a free trial for this supplement.
Q: Which are better – tablets or capsules?
A: The ingredients both work the same but capsules may assimilate quicker in the body.
Q: Is Phentramin-D legal?
A: This is an over the counter weight loss supplement that is 100% legal.
Q: Do they offer free shipping?
A: Orders over $129 qualify for FREE shipping.
Q: Is there a money back guarantee?
A: At the time of this review, ther is currently a 30 day money back guarantee.
Concluding Our Analysis
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So if you are serious about burning your stubborn belly fat and need a diet pill to help you along the way, then be sure and try it for yourself today!


text: I posted this a while back and had a trade arranged until the person backed out last minute. I'm reposting this with the same price drop I had gone to before the last thread was closed. I'm looking for $100 or a used Extreme Q 4.0 vape set. I'm also looking for a PAX and have some other pieces I'm willing to let go, if you're interested in that please PM me. Details for this piece: Extra-wide, stable round base (almost 6" across) Inside-cut Dewar-style 18.8mm joint 10-arm slitted, reinforced tree perc Black Leaf logo in glazed ceramic transfer Only been used a handful of times


text:
Economic Commentary
Providing you with in-depth analysis of current economic and financial issues.
- December 2002
- Answering the Challenges of Creating Economic Opportunity
- What can be done to promote economic opportunity for all citizens and help communities prosper? Roger W. Ferguson, Jr., vice chairman of the Board of Governors of the Federal Reserve System, discussed this issue when he addressed members of the Commercial Club and the Commonwealth Club at the Commercial Club of Cincinnati on October 10, 2002. This Commentary is based on his remarks. (PDF)
- November 2002
- Three Myths about Central Banks
- Do central banks control the business cycle? Should price stability be their only monetary policy goal? Do politicians give up a degree of power and gain nothing personally when they grant central banks independence? This Commentary argues that none of these widely held notions is true. The Commentary is based on a speech presented to participants at the conference on the Origins and Evolution of Central Banking, sponsored by the Central Bank Institute of the Federal Reserve Bank of Cleveland, in May 2001. (PDF)
- October 15, 2002
- Dollarization: What's in It for US?
- Should the United States care if other countries abandon their own currencies and adopt the dollar? Dollarization imparts benefits to the United States as well as costs, and these ought to be weighed as we decide what to do about the growing number of countries turning to dollarization or considering it. (PDF)
- October 1, 2002
- Options and the Future: What Do Markets Think?
- We're used to hearing analysts make predictions about where the economy is headed based on changes in the prices people are paying for stocks, futures, or other assets. Now, recent research is showing how we can analyze the prices of sophisticated new investment products, like options, to also gauge the probability assigned by the markets to possible future events. In short, we can calculate how likely market participants feel it is that an event will take place in the future. (PDF)
- September 15, 2002
- What You Should Know about Identity Theft
- Identity theft—appropriating someone else's identity for illicit gain—is the fastest-growing financial crime. It can cause considerable financial losses, and cleaning up a trashed credit history can be time consuming and frustrating. This Commentary examines the identity theft phenomenon—how it works, how lawmakers, regulators, and financial institutions are combating it, and what consumers can do to protect themselves. (PDF)
- September 1, 2002
- Free Trade and Tariffs - An Uneasy Mix top
- When U.S. steel corporations began declaring bankruptcy and laying off thousands of workers, tariffs on foreign steel seemed a reasonable way of preventing further damage to the industry. But why do most economists favor free trade? (PDF)
- August 15, 2002
- Stock Prices and Output Growth: An Examination of the Credit Channel
- When stock market values fall, we know that investors expect lower economic growth in the future. But can stock market declines actually affect future growth? There is some evidence that they can-through the credit channel. (PDF)
- August 1, 2002
- Speaking of Accounting Scandals
- The better stockholders' information about a firm's prospective finances, the better their decisions on investing their money productively. The same is true of lawmakers' decisions on how to allocate public funds. As the Enron-Andersen debacle has made abundantly clear, murky financial reporting can have devastating consequences. Is something similar happening with reporting on government finances-especially with regard to Social Security and Medicare? (PDF)
- July 2002
- Commercial Banks' Borrowing from the Federal Home Loan Banks
- Since 1990, when commercial banks were first eligible to join the Federal Home Loan Bank System, they have become an important constituency of the FHLBs. Currently, seven out of 10 banks are members, and nearly half of all banks have advances outstanding. Given the wide range of activities that commercial banks can engage in, this Commentary asks whether FHLB lending to them is consistent with their traditional housing finance mission, with the Gramm-Leach-Bliley extension of their mission to provide liquidity support to community banks, or with both. (PDF)
- June 2002
- Fear and Loathing of Central Banks in America
- The Federal Reserve System is America's uneasy compromise between our wariness of concentrated financial power and our desire to promote efficiency in our national payments system. In fact, the Federal Reserve is the nation's third attempt to establish a large national bank—what we now call a central bank— that is in a unique position to influence a nation's money and credit. This Commentary retells the story of the rise and fall of the two earlier national banks, both named the Bank of the United States. (PDF)
- May 15, 2002
- Is It More Expensive, or Does It Just Cost More Money?
- Most of us, from the general public to professional economists, use the term inflation pretty loosely. It's increasingly applied to any rise in prices, and even economists use it interchangeably with a rise in the cost of living. This Commentary explains what inflation is, why it should be kept distinct from a rise in the cost of living, and how some statistical measures attempt to distinguish between the two. (PDF)
- May 1, 2002
- Why Is Stable Money Such a Big Deal?
- What do attempts to counterfeit an enemy's currency during wartime have in common with decisions to adopt another country's currency during peacetime? Both are inspired by the power of a stable monetary standard and, conversely, the consequences of losing it. Both illustrate why preserving the value of the nation's currency is a central bank's most important responsibility. (PDF)
- April 15, 2002
- A Beautiful Theory
- It wasn't A Beautiful Mind—the book or the movie—that made John Forbes Nash, Jr., famous. It was his work in game theory, a theory that models strategic interactions between people as games. Before Nash, the only games theorists could get a handle on were artificial ones with no real-world applications. Nash's insights enabled economists to expand the use of game theory to interesting practical problems. (PDF)
- April 1, 2002
- Why the Optimism?
- In spite of the recent recession, hopes for the new economy have been little daunted. Surprisingly robust productivity growth during the recent downturn provides compelling new evidence that something truly fundamental is going on. This Commentary argues that advances in information technology, and their diffusion through the economy, justify our optimism. Higher productivity growth is not an ephemeral phenomenon but one likely to persist for some time into the future, perhaps even accelerating further. (PDF)
- March 15, 2002
- Consumer Financial Privacy and the Gramm-Leach-Bliley Act
- By requiring financial institutions to put adequate controls in place to secure consumers' confidential data and by clearly spelling out what rights consumers and financial institutions have, the 1999 Gramm-Leach-Bliley Act is a positive step toward ensuring consumer financial privacy. If there are no market imperfections, then competition may be relied on to efficiently sort out the competing interests of consumers and financial institutions. Alternatively, if there are market imperfections in the form of externalities, the Coase theorem suggests that the act, by clearly assigning property rights to the information, should facilitate an economically efficient outcome. (PDF)
- March 1, 2002
- Electronic Money and the Future of Central Banks
- Computers and telecommunications devices may replace paper currency and checks—some day. Indeed, electronic methods of transferring money have become widely used. Recently, however, discussion of "electronic money" has taken a new turn, zeroing in on the extent to which holding new forms of electronic money eventually could make central banks obsolete, rendering them powerless to control inflation. This Commentary updates the old story of electronic funds transfers before introducing the new story of electronic money holdings, which may be a metaphor for a larger question about the future of central banking. (PDF)
- February 15, 2002
- Monetary Policy Rules and Stability: Inflation Targeting versus Price-Level Targeting
- Monetary policy rules help central banks exercise the discipline necessary to achieve their long-term goals. The type of rule many banks are turning to these days is inflation targeting, which has several advantages. But because banks base their actions on forecasts of future inflation, following the rule can lead to inflation-rate instability in some cases. A price-level target offers the same benefits as an inflation target but, because actions are based on past inflation, it avoids this vulnerability. (PDF)
- February 1, 2002
- Legal Systems and Bank Development
- In some countries, banks are firms' key source of financing. In others, firms look mainly to credit markets to meet their financial needs. Why should this be so? New research suggests that a country's legal tradition strongly influences which financial system becomes dominant there. (PDF)
- January 15, 2002
- Infrastructure and the Wealth of Nations
- Economies can't grow without a sufficiently developed infrastructure, but how deep does the infrastructure have to be to make a difference? The authors take a look at some research from the Fraser Institute that examines the relationship between economic growth and economic infrastructure across 123 countries. They find that infrastructure is a bit of an all-or-nothing proposition. (PDF)
- January 1, 2002
- Why Haven't Long-Term Interest Rates Fallen?
- In 2001, the Federal Reserve lowered the federal funds rate target more than it had in over 25 years, but long-term interest rates didn't budge. Has monetary policy become ineffective? Just the opposite, the authors argue. The stability of long-term rates shows that people don't expect inflation to rise. That confidence, especially in light of the dramatic shocks the economy experienced, attests to the success of the central bank's policies. (PDF)


text:
In a development sure to please ex-wives, scientists in Japan may have made men obsolete.
According to Nature, a magazine for people with giant brains, the scientists were able to grow sperm from long-frozen neonatal mouse testes, aka baby rodent testicles.
Sperm, complete with iconic flapping tails (aka flagella), was "grown" by soaking the tissue in a fluid used to harvest embryonic stem cells, according to the article.
The researchers injected the man-made sperm into egg cells. A few weeks later, surrogate mouse moms delivered fatherless children who will never learn how to properly appreciate baseball.
It's quite the breakthrough. Allegedly, highly intelligent men have been trying to grow lab sperm for almost 100 years with no success.
The new technique may eventually help infertile males and endangered species, which may include men if female scientists ever get wind of this.
March 24th, 2011
4:01 pm
Women will still need us to move the 'fridge and kill bugs for them.
March 24th, 2011
4:03 pm
So now I'm expected to buy myself dinner?
March 24th, 2011
6:26 pm
We'll keep a few for heavy lifting!!
March 24th, 2011
7:08 pm
Internet porn is doing the same to women.
March 24th, 2011
7:53 pm
wow…so many things to say;
1. How on earth will cars ever get parked between the lines?
2. Who is going to put the seat down (I know, I know…if there are no men, it will never be up).
3. Who is going to discipline the kids?
4. Who are you going to rub you freezing cold butt and feet on under the blankets when you are cold?
5. Who are you going to pick on when you are PMS-ing?
6. Who is going to show you how to use the remote control?
March 24th, 2011
8:43 pm
I don't see any down side to this.
March 24th, 2011
8:57 pm
I thought this article would be about vibrators. They've definitely made me obsolete with Michelle!
March 25th, 2011
7:57 pm
Well we'll still need men for the testes used to grow sperm!
March 27th, 2011
4:35 am
That tsunami hit the wrong part of Japan…this is NOT NATURAL!!
March 29th, 2011
1:59 am
I see, for mice? Lol, wait till you can create monkey or dog working sperms then we'll talk. For now, leave your feminists rants to yourself.
March 30th, 2011
11:10 pm
Really, George? What on earth does this have to do with the price of tea in China? B-O-R-I-N-G. Still not as hot as Mr. Ho, no matter how you comb your hair.
April 6th, 2011
5:47 pm
I've been treated like i was obsolete for years, this just puts the lid on the casket.
April 6th, 2011
5:53 pm
But if Germaine Greer wants me euthanased, she's going to have to come over here and slit my throat personally.


text:
Simple Methods to Enhance your Golf Game
The game of golf needs much practice, and the desire to find out different strategies in order to become good at it. There are lots of areas of golf you need to learn about in order to play golf correctly and this short article will help you with improving your game.
- If you associate with any suitable golf players, ensure to play a game of golf with them often, and while doing so make certain that you observe their different swings carefully. If you play with excellent golfers, this might likewise assist you to put more effort into your game, and they can likewise assist you with some ideas on improving your swing, composure and method in the game. With all this working for you, you can begin finding out ways to play golf well, and start training yourself to reign in your swing to hit the ball more effectively.
- In case you are dealing with a tough time slicing the ball off of your tee, try to use a various position and relocate your foot closer to the golf ball.
- Always be concentrating on launching your hands to the ball quicker as regularly releasing your hands quickly can do wonders and give you an exact shot.
- While holding your club handle in your hands, do your best to not favor one of your hands over the other, and ensure you do not squeeze the club to tight. All of these elements could make your shots veer even more to the right than you prepared for. However, failing to have an adequate grip on the club can likewise make the ball to drift to the left. After some practice, you will find out how to have the right grip by paying attention and seeing if the shots divert right or left.
- If you decide to play at a course before you are ready, you might want to begin by striking some balls at a driving range before hand. This will assist you warm up your various shots, and the muscle memory will still exist if you move right into a game of golf at a course.
- When you putt, your left hand must be in front of the ball and keep this position as you follow up with your swing. When you adopt this, you can keep a solid grip on the club and concurrently avoid the ball from jumping off the club face all of a sudden as it makes contact.
- Before you choose to take your shot, make sure that you line up the rear of your forward facing foot with the ball. Likewise, place the ball squarely between your feet for all other swing types. The exception for this rule is if you are hitting your ball from a slope, then the positioning will alter a little.
If you want to enjoy golf in the early hours of the morning, avoid purchasing golf shoes that are similar to tennis shoes. Most of the shoes available will be somewhat or mostly water resistant, but a few of them may absorb a bit too much water from the wet grass, and might trigger a slippery foot hold.
Make certain to buy a good club set that compliments your abilities, and your game. Way back when golf first began everybody played with clubs made from different sorts of wood. If they could do that, do you truly need to spend the cash on that titanium club you've had your eye on?
It is best to strike some golf balls before your game of 9 or 18 holes, as a way to warm up and practice your shots. Take what you have learned in this information on ways to play golf, and utilize it to become better. Have a good time with golf and good times will always be ahead for you.
Are you wanting to enhance your golf swing, and strip strokes away from your score card? All it takes is small changes and enhancements to your swing. Please explore the writer's website "how to play golf", for even more useful golf swing suggestions.
how to play golf - http://www.e-golflessons.net/[/url]


text:
One man is dead after officials say he fell off of a truck bed.
January 28, 2003
(Undated-AP) -- The number of Georgia guard members and Marine reservists called to active duty is growing as the nation continues its massive call-up for the war on terrorism and a possible war with Iraq.
More than 340 guard members and reservists prepared for active-duty Sunday and Monday. As of last Wednesday, a total of 78,906 Guard members and reservists nationwide had been called to active duty.
Marines from the Second Beach and Terminal Operations Company, Fourth Landing Support Battalion, at Hunter Army Field near Savannah have been ordered to Camp Lejeune, North Carolina. A spokesman says the unit of 120 will board buses today to Camp Lejeune, where they will receive further orders in support of Operation Enduring Freedom, the nation's war on terrorism in Afghanistan.
The Savannah unit will ship and operate heavy equipment. They could be gone for up to a year.
In Albany, 120 Marine reservists from Detachment B, Supply Company, Fourth Supply Battalion, Fourth Force Service Support Group, will depart for Camp Lejeune, North Carolina, by midweek. The detachment, which specializes in evaluating and salvaging military equipment on and off the battlefield, also will support Operation Enduring Freedom.
Members of the Georgia Army National Guard's 148th Medical Evacuation Company of Winder said their goodbyes to family and friends early Sunday as they headed to Fort Hood, Texas. Last week, most of the 100-plus member company were ordered to Fort Hood to assume duties of U.S. Army troops who had been deployed overseas.
U.S. Department of Defense: http://www.defenselink.mil/posted at 9:20AM by firstname.lastname@example.com
P.O. Box 3130
Albany, GA 31706
(229) 446-1010
FCC Public File
(229) 446-4005
EEO Report
Closed Captioning


text:
Valentine's products single women should just give to each other
Just because you're unattached doesn't mean you can't take advantage of these sweet Valentine's Day deals
Contrary to popular opinion, not all single women are looking for a date on Valentine's Day. Nor will they celebrate it by throwing a "I hate Valentine's Day" party, by crying into their pillows, or by raiding the nearest convenience store for ice cream.
The vast majority will go about their lives as if it were any other day. But isn't it a bit of a shame? Why should only people who are in love celebrate Valentine's Day? Back in the day, schoolmates gave each other Valentine's Day cards, candy, and presents simply to love each other and to celebrate their friendship. Those days might be far behind us, but that doesn't mean we can't do the same in adulthood – especially when so many brands have released the most adorable Valentine's Day editions of their star products.
So if you'd like to show your favourite members of the singleness club some appreciation, try giving them one of these pink, red, and altogether lovely treats.
Pictured above:
Etude House Chocolate Kiss Nail Kit -- First Kiss, S$12.00
Jabra Solemate Mini, S$148
Mt. Sapola Blooming Beauty, S$69.90
L'Oreal Color Riche lipstick, S$21.90
NCLA glitter lacquer in Heart Attack, S$23.00
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text:
Mt Sterling Branch
Mt Sterling Branch, a branch of Community Trust Bank, Inc., located in High And Maysville Streets, Mount Sterling, KY 40353. Mt Sterling Branch was established in 1856 with full service brick and mortar office, online banking, credit cards and ATM services.
Branch Profiles
- Headquarters: Community Trust Bank, Inc..
- Member FDIC: certificate number 2720.
- Established Year: 08/10/1856.
- Branch Name: Mt Sterling Branch
- Branch Class: SM - commercial bank, state charter and fed member, supervised by the federal reserve (frb)
- Branch Services: full service brick and mortar office
Branch Locations
Mount Sterling, KY 40353
View larger map | Get directions
Hours of Operation
Mon - Fri: 8:00am - 6:00pm
Sat: 9:00am - 12:00pm


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A native of Arizona, Jeffrey Williams found much of his early musical inspiration as a participant and counselor at the Northern Arizona University Summer Music Camp. Mr. Williams earned bachelors degrees in tuba performance and music education from Northern Arizona University as well as a Master of Music from the University of Nevada, Las Vegas.
Mr. Williams currently serves as the Director of Bands and Performing Arts Department Chair at Miller Middle School in Henderson, Nevada. During his tenure, the program has grown from a few dozen students to over 400 musicians in a wide range of ensembles. The Miller bands have received numerous awards for excellence, including a performance at the 2007 Nevada Music Educators Association All-State Convention. Mr. Williams was recognized as the 2004 CCSD Southeast Region Outstanding Educator and is active as a clinician and adjudicator. When not making music, Mr. Williams is an avid cyclist and enjoys exploring the outdoors with his wife and three children.


text:
We LOVE hearing about our guests trips! Want to share yours? Just email email@example.com.
We stayed at the resort the first week of April, 2014 and had a great time. It has laid-back, very relaxing atmosphere, but has great service and amenities. The staff does everything to make your visit perfect. Set on a hillside right on the beach; the location is perfect. Mature landscaping of palm trees, grass, shrubbery including bougainvillea, and pathways wind their way all over the property. The dining room offers an excellent selection each day and everything tasted super. Each room has a patio area with table and chairs and ours also had a hammock strung between 2 palms. We fished for 2 days and caught and released 3 marlin and one needle fish. The captain and crew were fantastic and flew into action at each hook up. A great place for a family or anyone seeking a real taste of Baja.
Doyle & Dotty Patterson
Gracias to the Hotel Buenavista what a perfect and wonderful spot to celebrate our 50th anniversary with our family. from the planning stages, the staff was so supportive and helpful,especialy hortencia with her kindness and good ideas. the food was delicious, the music delightful and the manner in which the tables were placed, with the white coverings on the chairs.What a memorable occasion - thank you to everyone.
Gene Abrams & Alexandra Delis-Abrams
Everyone had an absolutely fantastic time.Something to interest everyone . . . the beach, snorkeling, having the flexibility of the a rental car, the pool, volleyball, ping pong, food, and the fishing! Oh my gosh on the fishing;It was fantastic, best ever we were the group on the "flags are flyin" picture that showed up in the EastCapeFishing website.That day alone we caught 11 marlins on the Tres Hermanos. That day my familiy with kids was on the boat,It was amazing at one point we hooked 3 marlin at once, and landed all three.My daughter landed a 46# Dorado, and everyone who fished caught at least one marlin.Total Marlin for the week were 29, and the one we fished tuna we caught around 20.It was absolutely amazing The staff, lodge, the weather (cooler this year) was just perfect.Even the airlines were on time. We are definitely coming back next year, with the family again. Please share this note with the team and staff, especially big thank you to Ramon and Teo - amazing, hard working guides. Mary Gollhardt Santa Monica,CA
To Felipe Valdez:
I had a member from my fishing club ask, "Kelly where is the best place to take my family on vacation and do a little fishing?" My reply was easy, I asked, "Would you like a little sun, some of the finest food around, meet some of the nicest people, relax by a pool with a swim-up bar and be on the best fishing grounds in the world? I have just the place for you; Hotel Buena Vista Beach Resort in Mexico."
The Harting family booked their trip with Hortencia who helped them with everything. They were there from the end of March to April 4, 2013. They returned a little tanner then they left and told me about one of the best vacations they had ever experienced. They snorkeled out front of the resort the kids, told me they saw all kinds of tropical fish, played volleyball in the pool, went out fishing on the Sea of Cortez and each caught a 30-plus-pound dorado. Dad hooked up with a big stripe marlin. They saw flying fish for the first time while the manta rays also put on a show for them. They told me they had excellent meals and excellent service. They really bragged about Elizabeth in the office, who catered to all their needs. She arranged for them to try the zip line, got a van for them to go to Los Barriles to shop and made them feel like home.
Now if I could just take my own advice and vacation to one of the most beautiful places I've ever been...Hotel Buena Vista Beach Resort.
A big "Thank You" to all your staff including your mom, Doña Valdez, who got them coffee in the morning and made their stay a memorable one. Kelly Corcoran Boston Harbor, WA.
On Sept. 27 Don, Corbin, Matt and John arrived at Hotel Buena Vista Beach Resort to fish. "Unfortunately on our first day of fishing, Sept 28 it rained so Felipe had to cancel all fishing for the day! But Saturday and Sunday our party of four energized fishermen hooked and landed 7 pacific sailfish, 1 striped marlin and 4 dorado. A trip of a lifetime. Thank you Hotel Buena Vista and Felipe! Kudos to Captain Vincente and Marcos who were able released 6 pacific sailfish to fight another day!"
It's always nice to hear what folks thought of their stay here with us. Here's are just a few of the "Thank Yous" we recieved via emails.
Little things mean a lot! Just want to write you and to say thanks (gracias) for the hospitality of you and your staff. Phil Young, Mike Gibson, and the brothers Coles. Phil Young
Thanks - Had a great time! My first marlin ever!! Not a huge one but a trophy in my book!!! Brad Hansel
Thanks for a great time last week. Nancy & I had so much fun doing nothing; we enjoyed the food & the swim up bar. The food was some of the best we have ever had & the staff was over the top - just great people. We are already talking about a trip next year. Thanks Rick & Nancy Davis
Our good friend Mr. Dave Alcorn celebrated his 50th birthday with us and shared a few thoughts from his most resent stay.
Gosh, I feel like I'm writing to my family. I have been visiting The Spa since the early 1990's when Don Chuy invited some high school students from El Norte to visit their sister city in Baja. I was lucky to come then. So many changes have happened since. Gone are the horse stables and the two shower faucets actually give different temperature water. The beautiful view at dinner remains as does the quality menu. This oasis of the East Cape has kept service and hospitality as their primary objective. Their ability to remain so consistent over my 20 year experience amazes me. I know that no matter the turmoil in my life, i can be allowed to escape most of it in Buena Vista.
The particular summer I must thank many of you by name because I was treated with great kindness. Morning/lunch meal service staff: Leticia and Esperanza you made sure the early guy with just a book and no fishing rod had plenty of coffee while he waited for the rest of his group to wake. Evening meal service: Martin and Jesus (chuyito): gentlemen your patience and sense of humor made dinner with a three-year-old tolerable. The bar staff: Ricardo, El Viejo, you've been there since my first trip. Ramiro: your patience with the crazy ping-pongers who don't even keep score is appreciated. Manuel: El Bambino in this Group, you keep Jackie smiling (the 3-year old). I have to give a special thanks to hotel Spa's three graces: Hortencia, as always you steal my heart. Elizabeth, Labonita if you are the future, the spa has no problems. The new addition of Robin Wade as a liaison between the resort the media world. Her knowledge about the local action was enlightening. There is so much more to say about those behind the scenes. All come together to make a paradise in the desert. I'll see you all in April. Dave Alcorn
John Manfredi, along with his lovely wife Jean sent this testimonial to us regarding their recent spring stay here at the resort. It was a pleasure having them as our guests
People ask me why I travel all the way across the country to go the Baja when there are so many nice places to go on the East Coast. And I tell them, that I have been all over the Caribbean Islands and even own a nice home in Florida. But for me, my idea of paradise is here at the Hotel Buena Vista Beach Resort.
For the price and the beauty of it there is no place else I would rather be for tranquility, beauty and the water. I am sitting here right now having lunch on the patio looking out on the Sea of Cortez and I'm maybe 100 feet from the water. The sea is calm and it's a beautiful spring day.
The resort was built many years ago on a hot springs with minerals and this is a bonus. We have stayed at some regular health spas and I can tell you that the hot springs here is the real deal.
The water in the pool, in the hot tub and even the water you shower with all come from the mineral springs. If you can come down here, even for a short stay, your skin will feel the difference.
For me, I have arthritis and staying in the pool and in the hot tub have just been terrific. And for the women: the water beautifies the skin. It may not make you look 20 years younger but if you stay for a week or so, you will feel the difference.
They have beautiful cuisine that includes both Mexican and American food and both are good.
For me, what I enjoy is getting up and going fishing. For fishermen this IS a paradise. I usually come in May and here's what I've caught then. On this trip I've caught a 180-pound, a 170-pound striped marlin and released several others since you can only take so much meat back. You bring your fish in and they are there waiting for you. They take the fish fillet, freeze, package it and freeze it for you so it's ready to be brought home. They will also prepare some of it for dinner for you.
Other days, I have gone out and caught roosterfish, a fish indigenous to the area this time of year and also not found where I come from. If you're a fisherman, you have to catch one! I also caught dorado and on previous trips I've caught sailfish and tuna in the month of May. That variety of fish is very difficult to get anywhere else in the month of May.
When you come in from the boat, you head to the pool to cool off and relax. You swim up to the bar and sit down while people on the other side also have a drink.
My wife doesn't join me on the boat. But she loves the tranquility and when not in the pool she sits in a lounge chair in a cabana on the beach. If you like to walk on the beach a little, that's fine but you have about 100 miles of white, clean beaches to the left and to the right of the resort, with hardly anyone on it. That's how peaceful it is here.
Summing it up; between the economical value of what you get for your dollar here and the beauty here, I will say again. I have found my paradise.
If you have a place that you think is better, contact me through the resort and I will go there if you come here for the same amount of time. And I guarantee you will find the paradise that I have.
Hola Felipe,
Just wanted to say thank you for taking such good care of my four amigos that i sent your way over the week. When I asked if it was every thing they expected there answer was " Yes and much more" Felipe, they told me you came over and visited with them for 15 minutes they felt special and well taken care of.
A BIG THANKS TO Jesus and Patricia in the kitchen they were very impressed with these two for there dedication to making sure every thing was bueno.
Thanks also for putting them on the Alegria they loved captn Juan and deck hand Alex. This group is telling everyone about the Hotel the fishing the food and are already making plans with me to hook em up again for next year same time.
Thanks for every thing Felipe.
Tournament Director Kelly Corcoran a.k.a SeaDog
Hortencia and Axel, Just a note to let you know what a great time we all had. Thanx to you two and the entire staff. All was perfect and everyone caught a big fish except me. That is fine though. I feel I am like a host and always want them to catch one first. Next year will be my year. Thanx again for everything. It all went perfect. There is talk among us to consider June next time. Vamos a Ver. Thanx again, Don ANA '68
Dear Sra. Hortencia:
I want to thank you and your staff for your outstanding treatment and service to me and my guests on our recent fishing trip to Cabo. They were all very impressed and had a wonderful time. They have all expressed a desire to come back next year. As for me, I wat to thank you for the special attention you showed me on my birthday.
Also, I would like to give you tentative dates for next year; they are July 15 arrival and leaving on Thursday, July 19th. With this in mind, please reserve five (5) premium rooms but we should keep in touch sometime around the first of the new year.
Thank you again for all you did to make our trip a wonderful experience. I look forward to hearing from you.
Othon Garcia
Dear Hortensia, Felipe and Axel,
I have been wanting to send you this note for several weeks but keep forgetting to. I just received your newsletter and this reminded me that I needed to write you. I hope that you are all well and enjoying the hot weather.
I just want to write about our vacation to your hotel this past April. We all had the most amazing time! It only seems to get better each year. It is hard to believe that this was our 5th time staying at The Hotel Buenavista. You went out of your way to accommodate us and made our stay very comfortable. Thank you for that.
We loved seeing all the familiar faces of your staff again. They always make us feel like we are old friends and that really makes us feel so special. Your new chef (I'm sorry, I forget his name) was very good. We really loved all the dishes he prepared and I especially liked all the different desserts he served after dinner.
Our favorite meal was the night he prepared the fish we caught. The fish was cooked to perfection! Also, the carne asada night you had for us when we arrived, was delicious! Speaking of the fish we caught, we had such a wonderful time fishing, snorkeling and kayaking that day, what an unbelievable day at sea.
Thank you again for lining up the ATV's for us, Felipe. We had no problems with any of the bikes and we had so much fun riding. Manuel's singing and guitar playing was very special. Please thank him again for doing that. And let him know that we will be expecting him to sing to us again next year.. ;)
We made some new friends this year, George and Molly Bishop. Danny and I will actually be meeting them in Punta Abreojos next month. Karl and his wife, Liz and their kids, also had such a great time. As well as our friends, Billy and Hollie Grisham. I can already tell you that we all plan on returning again next year and we have already recruited a few others that wish to join us also. So perhaps next year, we will see a "Welcome, San Pedro Bait Co." sign when we arrive. Just kidding, Felipe :) Anyway, please know that our time spent at The Hotel Buenavista will not be forgotten anytime soon.
Thank you again for making it so memorable.
~Maggie Strunk


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First All-Suite Ritz-Carlton Hotel and 1,000-plus room JW Marriott Hotel
Marriott International, Inc. and Galaxy Entertainment Group announced they have signed long-term management agreements for more than 1,300 rooms, suites and floating villas at two landmark luxury hotels to be operated by Marriott International brands to anchor the second phase of the Galaxy Macau™: The Ritz-Carlton, Macau and the JW Marriott Hotel Macau.
The two hotels are expected to be Marriott International's first in Macau. The company expects to open a hotel a month in China over the next three years. At the end of the first quarter, Marriott's pipeline of hotels either under or approved for construction in China was 54 hotels and 17,000 rooms.
Galaxy Macau has established itself as the key leisure and resort destination in Macau, offering three world-class hotels and more than 55 restaurants, cafes, bars and lounges in Phase 1 of their Macau development. With the addition of the first all-suite Ritz-Carlton hotel, and what will be the world's largest JW Marriott hotel when it opens in Phase 2, Galaxy Macau will establish a strong presence for Marriott International in this key destination.
"We are very excited to be launching our brands in Macau," said Simon Cooper, president and managing director of Marriott International, Asia. "Macau is a compelling and dynamic market and we have invested a great deal of time identifying the right partner and property for The Ritz-Carlton and JW Marriott hotels. GEG and the Lui family are bold innovators who understand the market and their customers intrinsically; for us they are the perfect partners.
"We fully subscribe to GEG's 'World Class, Asian Heart' philosophy which resonates with Marriott International's core values and The Ritz-Carlton hallmark Gold Standards. China is our second largest market outside North America, and opening two of our premier brands on the same site in such a fast growing market is a major commitment, underscoring our confidence in both Macau and Galaxy."
"To complement Phase 1's exceptional hotel offering, we are extremely pleased to be introducing Marriott International's globally recognised luxury hotel brands, including the first ever all-suite The Ritz-Carlton and the world's largest JW Marriott, upon completion in 2015," said Dr. Che-woo Lui, Chairman of GEG. "Marriott International's core values and The Ritz-Carlton hallmark Gold Standards, underpinned by a strong understanding of Asian customers' tastes and preferences, complements Galaxy's 'World Class, Asian Heart' service philosophy."
The Ritz-Carlton, Macau will feature 250 one- and two-bedroom suites, including the stylish The Ritz-Carlton suite. Designed in a traditional Ritz-Carlton style, the hotel will be sought out by those who value luxury and innovation, combined with incomparable levels of privacy and intimacy. The hotel will offer the impeccable levels of service for which the brand is famous around the world, and will be located on the top floors of the Galaxy Macau.
The hotel's restaurants will include a lavish all-private-dining Chinese restaurant, the lobby lounge and bar, a pool bar and the Ritz Bar with spectacular views over the Cotai skyline.
The hotel will also feature an outdoor rooftop pool with Jacuzzi and eight private cabanas. Guests will truly be able to get away from it all in a luxuriously stylish setting, with an emphasis on relaxation and privacy. An exceptional spa will offer the very best in massage therapy in stylish surrounds.
The JW Marriott Hotel Macau will feature nearly 1,100 rooms and suites, including the stunning Presidential Suite. The hotel's signature restaurant will be Chinese and feature a selection of private dining rooms for guests to choose from. In addition, the hotel will also offer a stylish three-meal restaurant, with guests enjoying direct access to the wide variety of restaurants in the Galaxy Macau development.
A stunning pool will allow guests to relax in a tranquil and peaceful setting, while the spa will enable guests to relax in a stylish environment. The hotel will also feature a fully equipped fitness centre and a salon.
The Ritz-Carlton and JW Marriott hotels will also offer additional space for meetings, events and banquets – including individual ballrooms on the ground floor of each hotel – that will have a capacity to accommodate approximately 2,000 guests. This will very much appeal to the MICE (Meetings, Incentives, Conferences and Exhibition) market and the hotels will be able to cater directly to the individual needs of groups booking at either or both hotels, allowing great flexibility and access to a wide range of facilities across the properties.
The projected 2015 opening of The Ritz-Carlton and JW hotels in Macau are part of Phase 2 of Galaxy Macau's "World Class, Asian Heart" Macau development.NOTE: The statements about the opening dates for the new hotels are "forward looking statements" within the meaning of federal securities laws, not historical facts, and are subject to a number of risks and uncertainties, including supply and demand changes for hotel rooms; competitive conditions in the lodging industry; relationships with clients and property owners; the availability of capital to finance hotel growth; and other risk factors identified in Marriott International, Inc.'s most recent quarterly report on Form 10-Q; any of which could cause actual results to differ materially from those expressed in or implied by our statements. These statements are made as of the date of this press release, and we undertake no obligation to publicly update or revise any forward-looking statement, whether as a result of new information, future events or otherwise.
Marriott International and Galaxy Entertainment Group Announce The Ritz-Carlton and JW Marriott Hotels in Macau
Source = Marriott Hotels


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A nice simple dish. Add a little more red chile flakes if you like it warm.
Penne All'Amatriciana
Photo: Annabelle Breakey; Styling: Randy Mon
This simple penne pasta dish features pancetta, diced tomatoes, red chile flakes, and parmesan cheese.
Yield: Serves 4
How to Chop an Onion
How to Cook Pasta
More From Sunset
Recipe Time
30 Minutes
Nutritional Information
Amount per serving
- Calories: 362
- Calories from fat: 23%
- Protein: 14g
- Fat: 9.4g
- Saturated fat: 3.3g
- Carbohydrate: 56g
- Fiber: 3.7g
- Sodium: 856mg
- Cholesterol: 13mg
- 8 ounces penne pasta
- 4 ounces pancetta or good-quality bacon, cubed
- 1 cup chopped onion
- 1 tablespoon minced garlic
- 1 large can (28 oz.) diced tomatoes
- 1 teaspoon kosher salt
- 1 teaspoon freshly ground black pepper
- 1 teaspoon red chile flakes
- 1/4 cup grated parmesan cheese
- 1. Cook pasta according to package directions; drain and set aside.
- 2. Cook pancetta in a large frying pan over medium-high heat until partly translucent. Spoon off most of drippings. Add onion and garlic; cook, stirring often, until browned, 5 minutes. Add remaining ingredients except parmesan and cook over high heat until juices have reduced by half, about 10 minutes. Add pasta, stir to coat, and transfer to a bowl. Sprinkle with parmesan.
- Note: Nutritional analysis is per serving.
My Notes
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Penne All'Amatriciana Recipe at a Glance
- COURSE: Main Dishes
- CONVENIENCE: Quick/Easy, Family
- CUISINE: Italian
- MAIN INGREDIENT: Pasta
- PUBLICATION: Sunset
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'Kiss Me' Lands Jeff Probst
John Corbett and Irish actress Sarah Bolger are set to star in the coming of age story about a girl going through the physical and emotional growing pains of her teen years.
The director wrote and directed Finder's Fee with Ryan Reynolds and James Earl Jones and is headed to daytime to host a talk show next fall.
Kiss Me begins shooting next month in Los Angeles.
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Now Mr. Probst, you don't a Razzie Award right next to your 5 Emmy's now do we?
3 years agoby @Dragon1991Flag
Haven't we already saw a bunch of movies like this? And if I stand correct, none of them(if not most) are below-average, anyway. I don't see how they plan to reap profit from this one.
3 years agoby @XxNickTheFilmCriticXxFlag
3 years agoby @2movieguysFlag


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Embraer Breaks Ground on Portugal Factory
Embraer started construction of a factory in Portugal and is due to open it before the end of 2011. The 161,000-sq-ft facility at Evora will manufacture complex composite airframe structures and components for the Brazilian company's business aircraft and airliners. A ground-breaking event held in late July was attended by Portugal's prime minister, José Socrates, and Embraer president and CEO Frederico Fleury Curado.
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The hot stove is just beginning to heat up, with qualifying offers being issues (and mostly declined) and names being leaked every which way. With that in mind, there is a report circulating that could affect the future of the Washington Nationals and their bullpen.
The Nats expressed interest in lefty reliever Boone Logan, and other picked up pieces from the GM Meetings. http://t.co/zuIXORN63u
— Adam Kilgore (@AdamKilgoreWP) November 12, 2013
Adam Kilgore of the Washington Post reports that the Nats have made called on left-handed relief pitcher (and former New York Yankee) Boone Logan in preparation for 2014. There is little in the way of detail regarding the reported overtures, but Logan would seem to be a prime candidate for one of the bigger deals on the relief pitcher market this off-season.
The 29-year-old lefty has spent the past 4 seasons with the New York Yankees, posting a sub-4.00 ERA each year, and 2013 reminded everyone of how effective he can be. In 39 innings (61 games), Logan posted a 3.23 ERA with a sparkling 11.54 strikeouts per 9 innings, and only a late-season injury kept him from posting a higher impact stat line. That type of production for this long of a period is extremely valuable, especially in a left-hander, and his age makes him even more attractive on what could be a multi-year deal.
Washington's bullpen was once dominant, but in 2013, it certainly plateaued (to be kind) and Logan could potentially infuse some life for the right price. Stay tuned as reports continue to surface.


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Castle Apartment
Apartment | 1 bedrooms | sleeps 4
|Key Info
Edinburgh's self-catering Castle Apartment is in the centre the Old Town of Scotland's capital. The holiday flat is in a traditional Victorian tenement. There is a magnificent view of Edinburgh Castle from the living room window.
It's a great home base for independent travel on a Scottish vacation. The warm and comfortable interior has been completely modernized- free WI-FI, DVDs, Freeview and there is full central heating and a well equipped kitchen.
|Sleeps up to 4, 1 bedrooms
|Will consider
|House swap, Short breaks (1-4 days)
|Car not necessary
|Nearest Amenities
|100 m
|Nearest travel links
|Nearest airport: Edinburgh 10 km, Nearest railway: Waverley 1 km
|Family friendly
|Great for children of all ages
|No pets allowed, No smoking at this property
Features and Facilities
|DVD player
|Central heating, TV, CD player, Satellite TV, Wi-Fi available
|Kettle, Toaster, Iron, Hair dryer
|Clothes dryer, Cooker, Microwave, Fridge, Washing machine
|1 bedroom, 1 bathrooms of which 1 Shower rooms
|1 Sofa beds, Double beds (1), Cots (1), Dining seats for 4
|Linen provided, Towels provided
|Further details indoors
BEDROOM: It has a quiet, calm ambience and is situated at the back of the flat. The enormous double bed is American Emperor-size and is very comfy.
Small children and babies are welcome with a crib available on request. Duvets, covers, pillows and sheets are all supplied.
KITCHEN: It comes with all these appliances fully-equipped:
Washing Machine/Dryer
Gas Hob and Oven
Microwave and Toaster
There are also ironing facilities.
Tea, coffee, milk and biscuits are present on arrival.
The Castle Apartment has an electric shower plus a power point for hairdryers and shavers. Fresh towels and complimentary toiletries are also supplied.
|Further details outdoors
Castle Apartment is in Edinburgh's historic Grassmarket. This large open square was the scene of public hangings, the Porteous Riots and the haunt of the notorious body snatchers, Burke and Hare. There is a wonderful selection of specialist shops, pubs and restaurants on your doorstep and it is only a three-minute walk to the Edinburgh Royal Mile. During the Edinburgh International Festival and Fringe this lively area overflows with street performers, musicians and special events. The Royal Mile starts at Edinburgh Castle and leads down to the Royal Palace of Holyrood and the stunning new Scottish Parliament building. A large peaceful park, the Meadows, is only a few minutes walk away from Castle Apartment.
|Further details
No hidden extras.
Price includes all gas, electricity, fresh linen and towels.
Payment is by cash, cheque, postal order or money transfer.
50% non-refundable deposit payable on booking, with balance on arrival.
Normally bookings are from 4pm until 10am of the leaving day but
let us know what suits you and we will arrange something.
Maximum four adult guests only. Children welcome.
Any excessive damage to the apartment must be paid for
before departure .
Sorry, no smoking or pets please, especially smoking pets!
The Lothians region
The Royal Mile starts at Edinburgh Castle and leads down to the Royal Palace of Holyrood and the stunning new Scottish Parliament building. A large peaceful park, the Meadows, is only a few minutes walk away from Castle Apartment.
Less than ten minutes walk away are four cinemas including the Cameo and the Filmhouse plus four theatres including the Traverse Theatre and the Royal Lyceum Theatre.
There are parking bays in the centre of the Grassmarket and a large multi-storey car park is only 150m away at King Stable's Road.
Castle Apartment is in Edinburgh's historic Grassmarket. This large open square was the scene of public hangings, the Porteous Riots and the haunt of the notorious body snatchers, Burke and Hare. There is a wonderful selection of specialist shops, pubs and restaurants on your doorstep and it is only a three-minute walk to the Edinburgh Royal Mile. During the Edinburgh International Festival and Fringe this lively area overflows with street performers, musicians and special events.
Availability Your dates are available
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5 Oct 2012
"Location, location, location"
We stayed at the Castle Apartment for 3 nights and it was a real home away from home! Right from the beginning of our booking, Tina and Gary were very accommodating and adapted well to our requests … More
2 Sep 2012
"Fantastic location, with everything you need for a great break!"
This was our first visit to Edinburgh and the Fringe Festival and Castle Apartment was a perfect spot for both. It was brilliant to sit and eat breakfast with an amazing view of not only Edinburgh Cas… More
1 Dec 2011
Excellent location, beautiful apartment - small but perfectly formed with lovely decor and an excellent power shower. We thoroughly enjoyed our stay and would return again
24 Oct 2011
"Perfect everything - stay, location, apartment"
The apartment was lovely - it was perfect for our stay. It had beautiful views, both day and night, and was close to the Royal Mile and Princes Street. The bedroom was at the back, so it was quiet, … More
18 Oct 2011
We have stayed in Edinburgh a few times and this was the best apartment yet. The location, decor, host were excellent. Would definitley stay here again.
27 Sep 2011
"doesn't get better than this!"
Stayed @ the castle apartment and couldn't have enjoyed it more.Located in the heart of edinburghs grassmarket square,across from the castle.View from the apartment was incredible,shops, restarau… More
15 Sep 2011
"Fantastic apartment, great location, amazing view."
The apartment was beautifully furnished and has a great view of the Edinburgh castle. Its location at Grassmarket was perfect as there were shops and restaurants close by. All major sights were walking distance from the apartment. We thoroughly enjoyed our stay at the apartment and the owner, Tina, was a wonderful and helpful host.
10 Aug 2011
"Great Apartment, Great Location, Lovely Owners"
Stayed here for 2 nights back in Feb 2011.
Can only say how nice it was, Tina was very accommodating to our request to use apartment earlier, and leave a cpl of hours later on our departure day.
Location is spot on... in lovely square with great restaurants and bars.
5 mins walk to the Mile and 10 minutes further to Princes street.
Would stay there again and recommend to everyone .
Thanks Tina
5 Aug 2011
"Best View in Town - Fantastic Location"
This location can't be beat. It is located on Grassmarket and the view out the window is of Edinburgh Castle. Everything is within walking distance from the apartment. There are great restaurants across the street. Don't miss "Made In Italy" - for the best pizza ever. The Fiddler's Arm pub across the street has a local fiddle player from the highlands that was a real treat to listen to.
We highly recommend staying here. The owner was very friendly and met us when we arrived (even though our train was cancelled and we were 5 hours late) and had everything in order for us. There is a kitchen, a washer and dryer, all well equipped.
This is the most centralized and convenient location in the city and we would stay here again anytime.
4 Aug 2011
"Superb location, fantastic apartment, perfect anniversary weekend!!!"
Great apartment in a perfect location to explore. Right in the heart of the grassmarket. Fantastic view of the castle. No noise despite loaction as bedroon is situated to the back. Would definitely return!!
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Tina R.
- 3 Years listed
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Calendar last updated:11 Sep 2014
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March 29, 2013
Photo of the Day: March 29, 2013 — Great ball defense by Buckeyes at NCAA tournament
Mark Lyons #2 of the Arizona Wildcats goes up for a shot against Aaron Craft #4 of the Ohio State Buckeyes in the first half during the West Regional of the 2013 NCAA Men's Basketball Tournament at Staples Center on March 28, 2013 in Los Angeles, California.
The Léger-Gazette poll and the next election
A few things leap out from the results of the latest poll on Quebec politics by Léger Marketing for The Gazette and Le Devoir published Friday. 1) The Parti Québécois minority government's satisfaction rating has fallen eight percentage points … Continue reading
1 food 5 ways
I believe I've mentioned a time or two the great little feature "1 food 5 ways" in the Vegetarian Times magazine. So helpful, especially when you get bored out of your mind preparing veggies the same way over and … Continue reading
Manchester United's best defence
The chart above details how well each of Manchester United's key defenders perform as part of a three-man unit. These units – goalkeeper plus two centre-backs – were tracked for minutes played together, goals conceded and goals scored over the … Continue reading
Talk-show Tango for Good Friday March 29, 2013: Rerun bingo with Kristen Stewart, Mariah Carey, Halle Berry
Reruns as far as the eye can see. So just keep moving. Bill Maher's Real Time on HBO, even; he returns April 5. But just in case you're so bored, you need to know, here's the run down for Friday … Continue reading


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The American-Canadian Tour is a late model racing series that races throughout the northern New England/New York area and some parts of Quebec. It races at traditional race tracks such as Thunder Road in Barre, Vt., and Oxford Plains Speedway in Oxford, Maine. The tour first visited "The Magic Mile" in 2009 and has been a staple of September race weekend's short track showcase ever since.
Automatic Qualifiers for the Bond Auto Parts ACT Invitational
Race winners during the American-Canadian Tour season earn automatic berths into the Bond Auto Parts ACT Invitational on Sept. 20 at NHMS.
Credit: ACT Media
Credit: ACT Media
Credit: ACT Media
Credit: Eric LaFleche
Credit: Alan Ward
Credit: Eric LaFleche
Credit: ACT Media
Credit: Eric LaFleche
Credit: Vermont Motorsports Magazine
ACT Video
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ACT Tests for NHMS Race
The American-Canadian Tour tested for the Sept. 22 Bond Auto Parts ACT Invitational. Many of the tour's more prominent drivers used the test as a chance to fine tune their cars for the race.
Additional Videos
- Parent Gets First Career ACT Win 09/22/12
- Hoar Wins ACT All-Star Challenge 08/14/11
- ACT Tests at NHMS 08/04/11


text: Wedding bells are ringing once again in our girls' games! Today it's Camilla's turn to walk down the aisle and say "I do". She and her fiancé Nicholas are finally going to tie the knot today, but first she needs your help with this bride dress up game: this lucky girl has a wardrobe full of wedding dresses, but she doesn't know which one to wear!


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Colin Lewis
Advance your bonsai skills! Join bonsai artist Colin Lewis, and transform your tree from subtle shaping to dramatic character changes.
Karen Chapman
Create a refined garden oasis with strategically placed focal points and an array of fabulous foliage youll enjoy year-round! See more
Rebecca Sweet
Breathe new life into your garden design with harmonious color, texture and form! Enjoy this FREE mini-class packed with fresh perspective ... See more
by Rebecca Sweet
by Rebecca Sweet
by nschauder
Delve into an exciting world of unique accents created by Craftsy members. Get ideas for customizing your home- whether inside or out.
You don't want to miss these highlights from the Craftsy blog! See which posts readers loved most in September, discover fun freebies and more!Read ...
If your houseplants spent the summer outside, now is the time to start bringing them in. But if you do it too suddenly, the shock could cause your ...
There are several major mistakes almost every gardener makes at one time or another. Only experience and time can take you from beginner to expert ...