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Off track again smh I can't wait until the holidays are over unfortunately. Too many temptations…
And now I'm so sick…I could barely get out of bed this morning and I can't digest beef at all! Never again
Low carb and calories…
Doing great over the holidays and I'm very proud.
And stepped on that scale and saw how much I gained. I worked so hard working out daily, counting calories to have it all erased because
Feeling good today now that I'm back on track with the 17 day diet.
Haven't worked out but I've been cooking/baking like a fool and walking around the mall shopping. I accidently had beef yesterday
I had steamed vegetables and blackened chicken from the asian place at the mall food court.
Of the holidays? No not this year, this year I will chew my gum, drink my water, and eat food allowed in cycle 2 of 17 day diet
All I can remember about Thanksgiving is how I gained 7 pounds from stuffing my face and how it so wasn't worth it when I got back home


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Broward Health Imperial Point's Man Van is taking men's health screenings across Broward. Find out more »
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MONDAY, Feb. 3, 2014 (HealthDay News) -- The U.S. abortion rate in 2011 was the lowest it has been since 1973, and advances in contraception methods might be part of the reason why, a new report suggests.
The rate in 2011 was 16.9 abortions per 1,000 women aged 15 to 44. That's far below the rate of 29.3 per 1,000 women in 1981. And it's just above the lowest rate of 16.3 per 1,000 women in 1973, when abortion became legal in all 50 states following the U.S. Supreme Court's Roe v. Wade decision.
The rate fell 13 percent between 2008 and 2011, resuming the long-term downward trend that faltered between 2005 and 2008, the study said. Between 2008 and 2011, the number of U.S. abortions dropped to 1.1 million, the Guttmacher Institute researchers said.
The investigators also found that early medication abortion procedures, where drugs such as mifepristone or misoprostol are used to end a pregnancy, are being used in an increasing number of abortions. This method was used in 23 percent (239,400) of all non-hospital abortions in 2011, a rise from 17 percent in 2008. About 59 percent of all known abortion providers offer this method.
"Clearly, the availability of medication abortion does not lead women to have more abortions," lead study author Rachel Jones said in a Guttmacher news release. "However, it has likely helped women obtain abortion care earlier in pregnancy, as evidenced by a shift toward very early abortions."
The researchers found that abortion rates fell in all four regions of the country and in all but six states from 2008 to 2011. The sharpest drops were in the Midwest (17 percent) and the West (15 percent), compared with 12 percent in the South and 9 percent in the Northeast.
The few states where there were increases in abortion rates had rates that were lower than the national average to begin with, according to the study that appears in the March issue of the journal Perspectives on Sexual and Reproductive Health.
The number of abortion providers fell 4 percent between 2008 and 2011, and the number of abortion clinics fell by 1 percent.
The researchers noted that the 2008-2011 decline in the abortion rate occurred before tighter limits on abortions were implemented in some states, which means the recent regulations are most likely not the reason for the nationwide decrease.
"With abortion rates falling in almost all states, our study did not find evidence that the national decline in abortions during this period was the result of new state abortion restrictions. We also found no evidence that the decline was linked to a drop in the number of abortion providers during this period," Jones said.
"Rather, the decline in abortions coincided with a steep national drop in overall pregnancy and birth rates. Contraceptive use improved during this period, as more women and couples were using highly effective long-acting reversible contraceptive methods, such as the IUD. Moreover, the recent recession led many women and couples to want to avoid or delay pregnancy and childbearing," she added.
Last year, the U.S. Centers for Disease Control and Prevention reported the same trend, although it collects its data differently. The CDC put the 2010 abortion rate at 14.6 abortions per 1,000 women of childbearing age.
More information
The American Academy of Family Physicians has more about abortion.
SOURCES: Guttmacher Institute, news release, Feb. 3, 2014; U.S. Centers for Disease Control and Prevention

subset: commoncrawl


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Reader Comments (Page 1 of 1)
Gamer am I said...
Regarding solo-ing elites, I usually use MW for Lightning Bolts only. I wait until my health hits 50% before I pop Feral Spirit, and their passive healing usually brings me back up to full health, by which time the enemy is near dead, so I almost never need to use it to heal myself. I also wait until I have used a bit of mana before I use Shamanistic Rage, though I don't wait too long, because by the time SR has run out, I may have popped FS, in which case the wolves will taunt the elite off of me, meaning I won't be able to take full advantage of the damage reduction of SR.
Stoneybaby said...
That's a good strat, too. We have so many cooldowns and killer abilities it makes for some great combos and different plays we can make against elites.


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Persistency of pension contributions in the UK: Evidence from aggregate and micro-data
AbstractThis paper presents evidence on the persistency of contributions to individual pensions, including an analysis of micro-data from the British Household Panel Survey. It finds variation in persistency rates by gender, earnings and household income. Changes in income and consumption needs (for example, becoming unemployed or the arrival of a new baby) increase the probability of lapse, but household income also matters, suggesting that pensions may be less affordable for those on low incomes, even in the absence of shocks. The introduction in 2001 of stakeholder pensions, with a charge cap of 1% of fund value, transfers the financial penalty associated with lapsing from consumers to providers. Arguably this will makes it less likely that pensions are sold to those for whom they are less suitable. The only risk is if providers walk away from low income groups altogether.
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Bibliographic InfoPaper provided by Department of Economics, University of Bristol, UK in its series The Centre for Market and Public Organisation with number 06/139.
Length: 22 pages
Date of creation: Jan 2006
Date of revision:
Handle: RePEc:bri:cmpowp:06/139
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Postal: 2 Priory Road, Bristol, BS8 1TX
Phone: 0117 33 10799
Fax: 0117 33 10705
Web page: http://www.bris.ac.uk/cmpo/
More information through EDIRC
Related researchKeywords: Pension contributions; persistency.;
Find related papers by JEL classification:
- J26 - Labor and Demographic Economics - - Demand and Supply of Labor - - - Retirement; Retirement Policies
- G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors
This paper has been announced in the following NEP Reports:
- NEP-ALL-2006-03-11 (All new papers)
- NEP-FIN-2006-03-11 (Finance)
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Cited by:
- Vikas GAUTAM & Mukund KUMAR, 2012. "A Study On Attitudes Of Indian Consumers Towards Insurance Services," Management Research and Practice, Research Centre in Public Administration and Public Services, Bucharest, Romania, vol. 4(1), pages 51-62, March.
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Tuesday, May 3, 2011
House of the Setting Sun
In the 1993 movie, A Home of Our Own, Kathy Bates plays a Los Angeles widow who jumps in her car one day with her six kids and heads out into the country in search of a home. In this 1960s based (true) story there are no home mortgages or banks to deal with, only a sincere desire to find an abandoned but potentially inhabitable home. Bates' character, Frances Lacey, does eventually find what she is looking for: a shell of a house in God's country, and the fascinating story continues from there.
Were I to rewrite A Home of Our Own I would have Frances Lacey drive a lot further east until she reaches the Pennsylvania border via I-95. I would then have her drive, six screaming kids in tow, into Philadelphia as far as the Lehigh-Girard exit whereupon she'd follow Richmond Street to Lehigh, and then to the 2600 block of Mercer Street where she would find a ripe, abandoned house, albeit torn to shreds, but ready for some serious tender loving care.
The home in question sits across from my property. It used to be an attractive seashore-like looking home, with its set-back-from-the-sidewalk entrance and second floor front deck that always reminded most people of a ship. When I first moved here some nine years ago, the house was in fairly good shape. Years before that, however, before its slip into rental Purgatory, I was told it was a neighborhood showplace with a manicured, small goldfish pond on the front yard. The pond has since been covered over (what a surprise) as times changed, but at least the renters, if not always amiable folks (one renter couple used to take a special delight observing the street from the deck and issuing beer-bloated comments to the people below), kept the exterior of the house up.
The interior of the house is another story, of course, because when the last renters moved out and when the property was sold, the word on the street here was that the inside of the infamous 'ship house' was a mess.
Conventional wisdom says that renters can be careless. I can attest to this general truth, having been a renter for many years. As a home owner, were I to rent again, I would certainly be far more respectful of the property I inhabited than I was in my twenties.
But on with the story…. A year or so ago the ship house's new owners came up with a plan to gut the house and rebuild it, but like many plans on paper, the reality didn't quite measure up to the fantasy.
The new owners assembled a work crew right out of The Gang That Couldn't Shoot Straight. They demolished the front deck, tore out windows and walls. The process was slow and insidious like the growth of a fungal infection. The "skin" or the siding of the house came off first, and this exposed the under layer so that the house called to mind an ICU burn victim. The house stayed like this for a while until the crew felt another surge of rehab fever. Then they began demolition in earnest as huge chunks of brick and mortar began to pile up in the back yard and side alley. From the street the once cute little ship house now looks like a bombed out building in Afghanistan.
Neighbors who live alongside this disaster have been pulling their hair out.
"Peasant labor without the benefit of industrial machines," one neighbor stated in an email. "There's no contractor, only the owner, his relatives and a schlepper."
Then there were reports of the owner throwing bricks out the back window, but the real A-bomb was when a 200-300 pound chunk of steel, brick and mortar fell down into a neighbor's yard and caused $600.00 in damages.
The house is now a local tourist attraction. "What's going on there?" people say, "Has L&I been contacted."
But the City of Philadelphia moves at stage coach speed; weeks pass, and nothing happens. It's the same old story: Abandoned old house sits on a block for years, even decades; if it "sits" long enough people stop caring. They don't even "see" it anymore.
While I applaud the owner's "do it yourself" Martha Stewart gusto, I'd also like to remind him that his project is beginning to affect the health and welfare of the community. You can't have 300 pound chunks of concrete flying off your roof.
Or can you?
Frances Lacey, how I wish I could bring you and your kids here for real, and have you settle this.
Posted by Thom Nickels at 11:46 AM
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September 16, 2014: A new state law takes effect this month that's designed to fight human trafficking in Pennsylvania. Senator Dinniman, who co-sponsored the legislation, calls human trafficking "modern day slavery" and asks for everyone's help in stopping this crime.human-trafficking-law-implemented
September 8, 2014: Pennsylvania Moment: The Children's Health Insurance Program (CHIP) covers the health needs of all Pennsylvania's children. Senator Dinniman says all parents should check to see if their children are eligible.Pennsylvania-Moment-
August 20, 2014: A special commission looking at public education funding in Pennsylvania began its work in earnest today, hearing from school district administrators and officials from the state Department of Education. Here's more with Senator Dinniman, a member of the Basic Education Funding Commission, and the ranking Democrat on the Senate Education Committee.Basic-Ed-Funding-Commission-AD
August 5, 2014: Pennsylvania Moment- As students head back to college, Senator Dinniman reminds them — and their parents — to explore all the possibilities when it comes to paying for higher education.Pennsylvania-Moment
July 7, 2014: Pennsylvania Moment: Senator Dinniman tells senior citizens how they can get help paying for their prescriptions.Pennsylvania-Moment-
July 2, 2014: Legislation has passed the General Assembly and awaits the governor's signature that's intended to combat human trafficking in Pennsylvania. Here's more with Senator Dinniman, a strong supporter of the measure that will help prosecutors in the Commonwealth convict traffickers.Human-Trafficking-SB-75-Dinnim
June 29, 2014: The Senate Education Committee has approved legislation, on a bipartisan vote, that would end passing the Keystone Exams as a requirement for high school graduation. Here's more with Senator Dinniman, the Democratic Chairman of the Senate Education Committee, who strongly supports the measure.Keystone-Exams-Vote-Dinniman-W
June 27, 2014: Senator Dinniman spoke on the Senate Floor today warning members of the Senate that the spending plan passed this week by House Republicans eliminates many tax credit programs that could devastate Pennsylvania's bio-science industry. Here are the Chester County lawmaker's remarks:Dinniman-Bio-Science-Tax-Credi
June 20, 2014: June is "Hunger Awareness Month" in Pennsylvania, and Senator Dinniman tells us it's a problem that's bigger than you think.hunger-awareness-month
June 9, 2014: Senator Dinniman held a live Telephone Town Hall Meeting. Participants were able to ask questions as well as listen to a discussion about issues that are important to our area.SenDinnimanTelephoneTownHall-0
June 5, 2014: Pennsylvania Moment: Sen. Dinniman advises Pennsylvania's veterans to call the Veteran's Hotline and check on the benefits they've earned. Pennsylvania Moment
June 4, 2014: This year's proposed state budget has increased funding to persons with disabilities by almost 28 million dollars. But with a lot of holes to fill in this year's spending plan, Sen. Andy Dinniman wants to make sure that allocation stays intact.brain-injury-funding
June 2, 2014: Senator Dinniman's Resolution (Senate Resolution 401) declaring June Hunger Awareness Month" in Pennsylvania received unanimous support in the Senate. Here's the Senator introducing the Resolution on the Senate floor.Hunger-Awareness-Month-Dinnima
May 9, 2014: Pennsylvania Moment: Sen. Dinniman talks about PennDOT's Yellow Dot program, designed to help both people with special medical conditions and first responders at an accident scene.Pennsylvania-Moment
May 5, 2014: Senator Dinniman speaks on the floor of the Senate to introduce a Resolution commemorating the 66th anniversary of the founding of the state of Israel.66th-Anniversary-Founding-of-I
April 29, 2014: Today is Life Sciences Day in Pennsylvania. Here's more with Senator Dinniman, sponsor of a Senate-adopted resolution observing April 29th as Life Sciences Day in the Commonwealth, and he explains why that's important.Life-Sciences-Day-Resolution-D
April 28, 2014: As Pennsylvanians today honored victims of the holocaust by observing a "Day of Remembrance," Senator Dinniman called on the state legislature to resolve its differences and approve legislation that would allow schools to offer a Holocaust education program to their students. Here's more with Senator Dinniman who spoke on the Senate Floor today.Holocaust-Education-Dinniman
April 22, 2014: A new law sponsored by Senator Dinniman would require the state to check every public and private school to make sure each has a working AED, a device that can save the lives of children and adults who suffer sudden cardiac arrest.aed-bill-becomes-law
April 5, 2014: Pennsylvania Moment: Senator Dinniman says authorities can be alerted to child abuse by anyone anytime of the day or night.Pennsylvania-Moment
April 1, 2014: The Pennsylvania Senate has declared April Pennsylvania Community College Month. Senator Dinniman made the announcement on the floor of the Senate.Community-College-Month-Sen.Di
April 1, 2014: Sen. Dinniman joined advocates and other lawmakers to rally for the swift passage of Senate Bill 75, a bill that would help law enforcement officials to end human trafficking in Pennsylvania by allowing them to punish perpetrators. S.B. 75 awaits consideration by the House Judiciary Committee.Human-Trafficking-Bill-House-P
March 11, 2014: Senator Dinniman has joined with senators from both sides of the aisle to propose legislation that would allow financially secure universities to break away from the State System of Higher Education.State-System-Bills-Dinniman-Wr
March 5, 2014: Pennsylvania Moment: Sen. Dinniman reminds you that March 31st is the deadline to sign up for health insurance provided by the federal Affordable Care Act.Pennsylvania-Moment-
February 7, 2014: Pennsylvania Moment: Senator Dinniman says Pennsylvania's Career Link offices can connect the unemployed to businesses that need workers.Pennsylvania-Moment-
February 4, 2014: Senator Dinniman reacts to the Governor's 2014 Budget Address.budget-reaction-2014-sen.dinniman
January 17, 2014: Senator Dinniman reflects on why the commemoration of Martin Luther King's birthday has become a day of service across the country.MLK-Day-of-Service-Sen.Dinnima
January 2, 2014: Pennsylvania Moment: It's never too early to begin saving for your child's college education. Senator Dinniman says the state Treasury has a plan that can help now and in the future.Pennsylvania-Moment-
December 15, 2013: Pennsylvania Moment: Senator Dinniman suggests celebrating the holidays by donating to your local food bank.Pennsylvania-Moment-
December 10, 2013: The state Senate has passed and sent to the House legislation that would toughen the penalties for human trafficking. Senator Dinniman spoke in support of the bill on the floor of the Senate.Sen.Dinniman-Anti-Human-Traffi
December 10, 2013: In advance of the governor's mid-year budget briefing, Senate Democrats held a State Capitol news conference today to outline their plan for state budget savings and new revenue. Here's more with Senator Dinniman who says the plan would generate more than $1-billion dollars in budget savings and revenue that could be used to make key investments, especially in education.Budget-Savings-Revenue-Plan-Di
November 25, 2013: At a roundtable discussion hosted by Senator Mike Stack, Senator Dinniman met with community and education leaders, who urged the Senators to stop plans to base student graduations on whether or not they pass a set of three Keystone Exams.Keystone-Exam-Problems-Dinnima
November 15, 2013: Pennsylvania Moment: Senator Dinniman says now is the time to apply for home heating assistance.Pennsylvania-Moment-
November 14, 2013: Senator Dinniman is once again calling on the state Senate to "fail" the Keystone Exams as a requirement for high school graduation. Here's more with Senator Dinniman, the ranking Democrat on the Senate Education Committee, who's urging that committee to voice its objections to the high stakes tests that students will need to pass to earn their diploma.Common-Core-IRRC-Mtg-AD-WrapSt
October 22, 2013: Dog owners gathered at the Capitol in Harrisburg to applaud a series of bills co-sponsored by Sen. Dinniman addressing the way pets are treated in Pennsylvania.dog-law-changes
October 15, 2013: Pennsylvania Moment: Senator Dinniman says your child might be eligible for free or low-cost health care.Pennsylvania-Moment-
October 11, 2013: Senator Dinniman says the new high stakes Keystone Exams that high school students will have to pass in the future in order to get their diploma is nothing more than an unfunded state mandate on school districts. Here's more with Senator Dinniman, the ranking Democrat on the Senate Education Committee, who says passing the exams should not be a graduation requirement.Unfunded-State-Mandate-Dinnima
October 3, 2013: Senator Dinniman, Democratic Chairman of the Senate Education Committee, is joining with school administrators who say they have concerns about public school evaluations that the state Department of Education plans to release this week.school-evaluations-dinniman
October 1, 2013: Senator Dinniman is calling on the state legislature to approve his legislation that would ensure that every public school in Pennsylvania has a piece of medical equipment — known as an AED — to help save young lives from sudden cardiac arrest. Here's more with Senator Dinniman, the ranking Democrat on the Senate Education Committee and sponsor of the bill, who held a State Capitol news conference with supporters of his legislation today.AED-Legislation-Dinniman-WrapS
October 1, 2013: The Pennsylvania Senate has adopted a resolution recognizing the parents' role in their child's education. Here's more with Senator Dinniman, the ranking Democrat on the Senate Education Committee, and sponsor of the resolution.Parent-Involvement-Month-Resol
September 30, 2013: The Pennsylvania Senate has adopted a resolution observing October as Sudden Cardiac Arrest Awareness Month in Pennsylvania. Here's more with Senator Dinniman, sponsor of the resolution, who says cardiac arrest can strike people of any ethnic group, race, or age group.Cardiac-Arrest-Awareness-Month
September 26, 2013: "Don't Fear the Finger" is part of a campaign to remind all men in Pennsylvania that they should be responsible for their health and get screened for prostate cancer. Here's more with Senator Dinniman, a prostate cancer survivor, who presented a Senate Resolution this week to the Pennsylvania Prostate Cancer Coalition observing September as Prostate Cancer Awareness Month in Pennsylvania.Prostate-Cancer-Month-Dinniman
September 15, 2013: Pennsylvania Moment: Senator Dinniman reminds drivers to be watchful for police and emergency personnel working by the side of the road.pennsylvania-moment-sen.dinnim
September 4, 2013: Education in Pennsylvania is about to change. The State Board of Education is scheduled to meet next week and finalize a plan to require all high school students in Pennsylvania to pass a high stakes test known as the Keystone Exams in order to get their diploma. Here's more with Senator Dinniman, the ranking Democrat on the Senate Education Committee, who has a lot of questions and concerns about the new standardized tests.Untitled audio project
August 27, 2013: A majority of parents, school board members, and superintendents expressed a deep concern to a state Senate committee Monday over the use of the Keystone Exams as a requirement for high school graduation in Pennsylvania. Here's more with Senator Dinniman, the Democratic Chairman of the Senate Education Committee, which held a public hearing at the Valley Forge Middle School on what Senator Dinniman calls "high stakes" standardized testing.Keystone-Exams-Hearing-Dinnima
August 15, 2013: Pennsylvania Moment: Senator Dinniman says your summer vacation driving will be easier if you follow this tip before you start.pennsylvania-moment-sen.dinniman-august'13
July 19, 2013: Senator Dinniman is disappointed by the state auditor's report that the Corbett Administration is failing to enforce Pennsylvania's Puppy Mill Law, which is intended to end puppy mills and the mistreatment of puppies in the state. Here's more with Senator Dinniman, a member of the Senate Committee on Agriculture & Rural Affairs, who says greater oversight by the state legislature is needed.puppy-mill-law-audit-dinniman-wrapstory
July 15, 2013: Pennsylvania Moment: Senator Dinniman reminds motorists to be aware of bicyclists on Pennsylvania's roadways this summer.pennsylvania-moment-sen.dinniman-july'13
June 30, 2013: Senator Dinniman says he remains troubled by the way education funding is calculated in the current budget, leading to inequities that he hopes can be taken out of consideration when developing future budgets.budget-education-funding-sen.dinniman-06-30-13
June 30, 2013: The Pennsylvania Senate has approved a new $28.4 billion state budget plan on a vote of 33-17. Here's more with Senator Dinniman, who voted 'no' on the budget bill which now goes back to the House of Represenatives for concurrence.hb-1437-budget-vote-dinniman
June 26, 2013: Even though it's late June, Senator Dinniman has already received unanimous support from the Senate on two Resolutions concerning the month of September: one encouraging awareness of prostate cancerseptember-2013-prostate-cancer-awareness-month-sen.dinniman and another celebrating the mushroom industry in the state.september-2013-mushroom-month-sen.dinniman
June 19, 2013: The Pennsylvania Senate today adopted a resolution observing June 19th as Juneteenth National Freedom Day in Pennsylvania. Here's more with Senator Dinniman, who talks about race relations and the need to end a form of modern day slavery.juneteenth-day-resolution-dinniman
June 17, 2013: Senator Dinniman spoke on the floor of the Senate in support of Senate Resolution 163, a Resolution he sponsored designating July 21-27, 2013, as "Probation, Parole and Community Supervision Week" in Pennsylvania.senate-resolution-probation-and-parole-supervision-week-sen.dinniman
June 14, 2013: Therapy dogs have become a vital part of rehabilitation services, but they can't ride on buses or trains. Senator Dinniman would like to see that change.therapy-dogs-public-transportation-bill-dinniman-wrap
June 12, 2013: Pennsylvania Moment: Senator Dinniman has details about Pennsylvania's "Here To Help" website.pennsylvania-moment-sen.dinniman-june'13
June 11, 2013: Pennsylvania's Building & Construction Trades Council held its third annual Apprentice Day at the Capitol rally to promote apprenticeships and job training in 20 different building trades' crafts for recent high school graduates, technical school graduates, and veterans. Here's more with Senator Dinniman who spoke at today's rally and praised union workers and apprenticeship programs.apprentice-day-rally-dinniman
June 11, 2013: In an effort to reduce the number of young lives lost to sudden cardiac arrest, legislation is being pushed in Harrisburg to help schools purchase Automated External Defibrillators, known as AEDs. Here's more with Senator Dinniman, sponsor of the legislation, and Democratic Chairman of the Senate Education Committee which approved his bill today.aed-schools-dinniman-wrapstory
May 17, 2013: Senator Dinniman, Chairman of the Senate Education Committee, says the committee is looking at three bills designed to make a college education more affordable for Pennsylvanians.college-affordability-hearing-dinniman-wrap
May 15, 2013: Legislation is being introduced in Harrisburg that would delay the implementation of new high school graduation tests until their effectiveness and cost to school districts and taxpayers can be evaluated. Here's more with Senator Dinniman, Democratic Chairman of the Senate Education Committee, and sponsor of the bill.keystone-exam-moratorium-bill-ad-webstory
May 15, 2013: Pennsylvania Moment: Senator Dinniman says there's a simple, inexpensive step you can take to bring peace of mind for you and your dog.pennsylvania-moment-sen.dinniman-may'13
May 13, 2013: Senate Democrats say new high school graduation standards being pursued by the Corbett Administration will threaten graduation for thousands of future high school students and stick school districts and local taxpayers with a costly unfunded state mandate. Here's more with Senator Dinniman who spoke at a State Capitol news conference today in support of a moratorium on the new graduation test standards.graduation-tests-dinniman-remarks
May 7, 2013: Bills have been introduced in Harrisburg to deal with human trafficking. Senator Dinniman calls it a modern-day version of slavery.human-trafficking-bills-dinniman-web
May 1, 2013: Today is Loyalty Day when we reaffirm our love of country and salute the veterans who fought for our freedom. Here's more with Senator Dinniman who spoke on the Senate Floor.loyalty-day-dinniman-remarks
April 29, 2013: Senator Dinniman speaks on the floor of the Senate about his resolution commemoriating the Warsaw Ghetto Uprisings.warsaw-uprising-commemoration-sen.dinniman-04-29-13
April 16, 2013: April 16th is Men's Health Awareness Day in Pennsylvania. Here's more with Senator Dinniman, sponsor of the Senate-adopted Resolution urging Pennsylvanians, men in particular, to be aware of their health needs.men's-health-awareness-day-resolution-dinniman
April 15, 2013: Pennsylvania Moment: There is help for people struggling to make their mortgage payments. Senator Dinniman has details.pennsylvania-moment-sen.dinniman-april'13
April 4, 2013: More than 250 people packed the Chester County Historical Society building Wednesday night to answer the "call to action" to end human trafficking in Pennsylvania and across the nation. Here's more with Senator Dinniman who organized the event in support of legislation in Harrisburg that would help put an end to modern day slavery.human-trafficking-dinniman-webstory
March 22, 2013: A state Senate committee responsible for reforming education in Pennsylvania heard from its "customers" at a public hearing today in Chester County. Here's more with Senator Dinniman, the ranking Democrat on the Senate Education Committee, who says high school students from the Downingtown and Coatesville area got a chance to give their opinions about what's needed to improve the commonwealth's education system.education-hearing-students-dinniman-webstory
March 12, 2013: Pennsylvania Moment: Thinking about going to college this fall? Believe it or not, now is the time to apply for financial aid. Senator Dinniman has some helpful information.pennsylvania-moment-sen.dinniman-mar'13
March 4, 2013: Senator Dinniman told state Department of Education Secretary Ronald Tomalis at the department's Senate budget hearing today that it needs to investigate lower graduation rates and higher truancy rates at cyber charter schools. Here's more with Senator Dinniman who also says that the General Assembly needs to pass legislation making charter schools and cyber charter schools much more financially accountable.cyber-charter-schools-dinniman-webcuts
February 14, 2013: In the wake of the school shootings in Newtown, Connecticut, two state Senate Committees held a joint hearing to listen to educators and police officials about what the state can do to avoid and deal with school violence. Senator Dinniman is Democratic Chairman of one of those Committees, the Senate Education Committeeschool-security-hearing-dinniman-wrap
February 11, 2013: Pennsylvania Moment: Senator Dinniman says the Pennsylvania Department of Aging has set up a special phone number to answer your questions about care for the elderly.pennsylvania-moment-sen.dinniman-feb'13
February 1, 2013: Legislation that would strengthen the fight against human trafficking in Pennsylvania has cleared a major hurdle in the state Senate. Here's more with Senator Dinniman who says the measure will, among other things, more clearly define sex and labor trafficking in the Pennsylvania Crimes Code.sb-75-committee-vote-wrapstory
January 15, 2013: Pennsylvania Moment: Sen. Dinniman has an important message for veterans about their benefits.pennsylvania-moment-sen.dinniman-jan'13


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I just read the "big bad bands article" and it got me intrested. I've never used em so I got some questions.
I know there are different sizes of bands and what not. I'm looking for bands I can use for 400-700lbs. So, what kind of / size of band should I look to buy? I would assume some 2-1/2-4 for reverse and 1-3/4 for speed. Links would be good. thx.


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Reader Comments (Page 1 of 1)
I remember lots of these from the previous Warcraft games and while leveling in WoW. There are some very unusual combinations of race/class if you think about it. Blizzard is just finally bringing them out. The only reason some players are throwing a fit is because its something they aren't used to. And if anything was going to force the obscure classes and races into the open its the Cataclysm.


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Specifications for the
Alenia Aermacchi S-211
Advanced Trainer / Light Strike
Focus Model: Alenia Aermacchi S-211
Country of Origin: Italy
Manufacturer: SIAI-Marchetti / Alenia Aermacchi - Italy
Initial Year of Service: 1984
Production: 58
Crew: 2
Length: 30.54ft (9.31m)
Width: 27.66ft (8.43m)
Height: 12.47ft (3.80m)
Weight (Empty): 4,079lbs (1,850kg)
Weight (MTOW): 6,063lbs (2,750kg)
Powerplant: 1 x Pratt & Whitney JT15D-4C turbofan engine developing 2,500lbs of thrust.
Maximum Speed: 414mph (667kmh; 360kts)
Maximum Range: 1,038miles (1,670km)
Service Ceiling: 40,026ft (12,200m; 7.6miles)
Rate-of-Climb: 4,200 feet per minute (1,280m/min)
Hardpoints: 4
Armament Suite:
Variable - up to 1,500lbs of external stores underwing to include gun pods, rocket pods and conventional drop ordnance.
S-211 - Initial Production Model Designation; 2 x prototypes completed; 58 examples produced under SIAI-Marchetti label.
Australia; Haiti; Philippines; Singapore; United States


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- a show at:
- artist:
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I read The End of Absence with interest, because I am a member of what author Michael Harris calls the "Straddle Generation," the generation born before 1985, the last one to remember adult life before the Internet. Harris compares this moment in history to the advent of the Gutenberg press in the 15th century, when the written word became universally available. "Young and old," he writes, "we're all straddling two realities to a certain degree. In our rush toward the promise of Google and Facebook—toward the promise of reduced ignorance and reduced loneliness—we feel certain we are rushing toward a better life.
In a Rocket Made of Ice is an extraordinary book about an extraordinary place. Wat Opot Children's Community is a Cambodian orphanage started with $50 by Wayne Matthysse, a former Vietnam medic driven to make life better for children in war-torn countries. The orphanage is home to children and women affected by HIV and AIDS, where they can get the powerful antiretroviral drugs they need to stay healthy, as well as education and a community in which they belong.
Leonardo da Vinci was an outlier in so many ways: a peripatetic polymath, handsome, unmarried, an innovator, unquestionably an artistic genius. He doesn't typify his era any more than geniuses ever do. Leonardo was a party of one.
Anyone whose life involves children's literature has probably encountered the assumption that books for children are all sweetly sentimental tales of selfless trees and fluffy bunnies. In Wild Things! Acts of Mischief in Children's Literature, librarian-bloggers Betsy Bird, Julie Danielson (also a BookPage reviewer) and their late co-author Peter D. Sieruta thoroughly debunk that notion.
Ah, the metric system—the logical way of meting out the world that confounds most Americans. Readers who have failed to crack its code will find comfort in John Bemelmans Marciano's Whatever Happened to the Metric System? How America Kept Its Feet, an intriguing look at why the system failed to take hold here.
Joshua Wolf Shenk offers an intriguing look at the nature of creative partnerships in Powers of Two: Finding the Essence of Innovation in Creative Pairs. His subjects range from the musical (Lennon and McCartney) to the scientific (Watson and Crick), from the literary (Melville and Hawthorne) to the technical (Jobs and Wozniak). From these dozens of case studies, Shenk synthesizes the patterns. What happens when creative pairs meet? (Hint: It's often like falling in love.) When does the really good work get going? Why do such partnerships often end?
This month's Lifestyles column includes one-yard sewing projects, a fascinating history of our most useful plants and a look into the local food movement.
The 1970s were a tumultuous time in the U.S, defined by such events as the Vietnam War; the Watergate scandal; the Arab oil boycott; serious economic problems; and shocking revelations about illegal activities by our intelligence agencies. At one point, a Gallup poll found that 68 percent of Americans believed the government lied to them. All of this happened as the nation, somewhat dispirited, celebrated its bicentennial. Drawing on a vast array of sources, Rick Perlstein captures all of this and more in his sweeping, insightful and richly rewarding The Invisible Bridge: The Fall of Nixon and the Rise of Reagan.
There's no one way to successfully parent (if only there were—this whole parenting thing would be so much easier!). While the best advice is probably to follow your instincts and cut yourself a break when you make a mistake, these new books offer fresh, sometimes funny insight into the world's hardest job.
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Extreme Personal Finance: How to Pay Off Your Mortgage in Three Years
Published on - August 3rd, 2006 (Modified on - August 23rd, 2009) (by J.D. Roth)
Most people who accelerate their mortgage make one extra payment a year. Maybe two. Or they refinance a thirty-year mortgage at fifteen years. Yahoo! Canada has a story of one couple who paid off their $220,000 mortgage in three years.
How did they do it?
When I finally finished my master's degree in 2000, we had a total debt of $52,000 from my student loans. This is when we made the decision that changed everything. With my new degree, I quickly found a job that paid well, but we decided that rather than rewarding ourselves for all those years of hard work, we would continue living like impoverished students for a few more years. In exchange, we figured we'd get a head start on the rest of our lives.
They worked hard. He clocked 90-100 hours/week at four jobs. She tutored and taught piano outside her regular job as a teacher. They did not change their lifestyle from that which they'd been living as students. They practiced extreme frugality. As a result, they were soon netting over $80,000/year after taxes.
Now this couple owns two cars and a home and are debt-free. Every cent they earn can be put toward retirement, charity, and other goals.
I am in awe.
The couple admits that this sort of choice probably isn't appealing to everyone:
Let me make it clear that I wouldn't recommend the number of hours that I worked for most people. But was it worth it for me? Absolutely. It's been challenging and tiring, but exciting and rewarding too. Right now, I wouldn't change anything for the world.
The article offers tips for those who might want to make a similar choice:
- Start early. Remember that compound returns favor the young, and that it never gets easier than now.
- Set concrete goals. Know why you're making sacrifices, and have the courage to work toward them.
- Live on what you were making five years ago. Or ten years ago. You used to get along just fine on a smaller income, right? If you have the ability to revert to that standard of living, you can save a fortune.
- Pay off your mortgage faster. Choose one of the many ways to do this and stick to it.
I'm not ready for such extreme personal finance, but it's inspiring to read about others who have made these sorts of Herculean efforts.
[How we paid off our house in three years]
This article is about Choices, House and Home, Real-Life
This is pretty much what Dave Ramsey advocates, though more for debt removal than for mortgage elimination. There are quite a few encouraging stories of how people got out of debt by selling too-expensive cars (etc), and/or by getting second (and third) jobs.
Very encouraging stuff, and several awe-inspiring stories. See
[no compensation; just a happy web surfer]
Wow, wow and wow. That is amazing. I don't think I'd ever be able to do that but it is indeed shocking and inspiring to read such stories.
That is an inspiring story for people who claim they will never be debt free. They exchanged three years of their life with no extras, long hours and a strict budget for a debt free life for the next 50 years. Most people will not be willing to forego their fun and the ability to spend money on frivolous things. But a few are willing. A positive example to inspire many other people.
My husband and I are living under our means, are out of debt and have savings but we are nowhere near that extreme! I don't think I'd like to do something like that, I like more pleasure in my life and that kind of overwork seems very bad healthwise. It would suck to work that hard and then drop dead from a stroke or something before you have the chance to enjoy your money. I'm glad it worked out for them though.
I really have a problem with anyone advocating this sort of lifestyle, even if only for a few years. While it may have worked for this couple, how many relationships would utterly break down when one spouse was at work for 100 hours a week? That basically leaves enough time for them to come home, go to bed, and get back up and go back to work. For 3 years? I'll take a few years longer to pay off my mortgage, rather than alienate my spouse and lose a marriage (which, I'm sure most would agree, is more imporatant than getting out of debt a little early.)
Paying off your mortgage that early is a mistake for most people. A mortgage is probably the cheapest money you can borrow. If you have extra money there are so many better things to do with it; pay off credit cards and car loans, make sure you have proper insurance, set up an emergency fund, save for retirement, and many others.
Rushing to pay off a low interest rate mortgage without doing those other things is a big mistake. Plus paying off the mortgage removes a huge tax break for most people. Not that taxes should dictate your financial strategy, but it factors into how cheap borrowing money through a mortgage.
That's an amazing story! If only I can kick my habit for expensive lotions and frequent meals… with a healthy salary, no family to support, and the willingness to work 90 hour weeks, right now should be the best time for me to save a large amount of money.
I did pretty much the same thing when my wife started a new business. I was on the hook for her business loan as she had no credit so if her business failed I was going to have to make the payments out of my own pocket.
I got a second job(that I actually like more than my main job and pays almost as well).
Lived like I was flat busted broke because I didn't want to go bankrupt if my wife's business failed. So I saved pretty much every penny from that part time job and saved some from my regular job as well.
Because I could tell my wife I needed to save the money so I could pay her loan if she went under, it was easy to get her on board to go without some of the finer things.
This was 4 years ago. I still have the part timer but I don't take much work from it in the summer months.
My wifes business is a huge success equity wise (she has taken a page from my book and postponed profits to build up equity) and it has been growing every year and she has built it up to the point where this year she will take dividends from that business that will be more than I make with my 2 jobs combined.
I have no credit card debt. My mortgage will be paid off in 3 years or less as I am contemplating prepaying a sizable chunk of it (20%)which is how I stumbled across this website(I have had this mortgage since 98). I have a defined benefit pension plan as I work for the Federal government(main job).
Have a modest retirement savings besides the pension. And have a sizable lump of cash in a savings account.
Biggest sacrifices:
No new cars. I have driven 2 cars in the last 10 years, one was 8 years old when I bought it back in 97 and my newer model is a 95 which I picked up this year. This will likely never change. I get no pleasure or feeling of status from having nice cars. I would rather be there in a beater than stay home because I can't afford to go because I'm paying for a nice car. While some people argue about reliability of older cars, get them maintained regularly and you will come out miles ahead(pardon the pun)than if you buy new and take a depreciation bath.
I went on only a few big trips.
Postponed buying a computer until I could pay cash. Same with the 95 car. I pay cash for everything now, no credit.
Never eat out (once every couple of months we go for chinese)
Never rent movies, computer came with PVR so we make the most of our cable bill.
Get a second job and use it to save and pay down debt and you will be greatful you did in the future.
I am 31 years old.
[...] How to pay off your mortgage in three years [...]
I wish I knew how to get my husband to do something like this..i dont mind sacrificing a few years for a good rest of my life, but he sees a few years as "forever" and he doesnt want to be "old" and not be able to do "things" that he can do now…cause you know…after 30 years old you can only sit in your rocker apparently
I don't advocate paying off your mortgage. I understand that it brings "peace of mind" to some people but I think there are better strategies to consider. If you are trying to accelerate your pay off, obviously, you're paying more per month to do so. You can take the "extra" and invest it and over time with proper management, your assets will exceed your liabilities. If you have a $300,000 mortgage as well as $300,000 in liquid funds, wouldn't you consider your mortgage as "paid"? In this scenario, you keep your largest tax deduction (tax planning is important) along with a nice nest egg.
Another point to consider is that home equity isn't as liquid as most people think it is. If you worked hard paying off your mortgage and suddenly lost your job, or became disabled, you would look at accessing home equity for money (unless you've done a good job of saving). The only way to access home equity is through a cash-out refi, Home Equity Loan, Home Equity Line of Credit, or sell. Three out of four requires you to qualify with a bank. No job or not enough income may not get you approved.
Before you think about paying down your mortgage, pay off your credit cards, student loans, car loans, ect. first.
Mike stated that:
"If you have a $300,000 mortgage as well as $300,000 in liquid funds, wouldn't you consider your mortgage as "paid"?"
I really can't say that I would see it that way for the reason that if I had $300,000.00 in liquid funds and a $300,000.00 mortgage, I would be losing money because of the interest that I am paying on my mortgage. (and lets not forget that the tax man will most likely tax the interest I would be earning on my $300,000. taking me further into the loss column)
Let's say, for example, I were to receive a GUARANTEED interest rate of 5% on my three hundred thousand, that gives me a return of about $15000.00 per year. However, on my three hundred thousand dollar mortgage, at today's rate (TD) on a 5 year term fixed interest rate of 7.440%, at the end of year one of my five year term, I would have made payments of $26200.44, with $4636.94 going to principal and $21387.00, to interest.Therefore:
$21387.00.(Mortgage Interest paid in 1st year)
-15000.00 (Interest earned on my $300,000)
=$6387.00(minus) Which means that the $15000.in interest I earn is being completely eaten up by mortgage interest along with an additional $6387.00! My $300,000 is not growing.
Now, if the same scenario applied with my having $300,000 in liquid assets except that my mortgage is fully paid, then my $15000.00 return on my investment is exactly that, $15000.00,(except for income taxes.)Plus, I will have the additional $26200.44 annually that I don't have to make as mortgage payments. This is a scenario that I am far more comfortable with than knowing that if I keep my three hundred thousand dollar home for 25 years, with the same interest rate, I could pay the mortgage lender $355011.64 in interest alone, on top of the $300,000 mortgage which I will also be paying back. But, if I pay off my mortgage early, much of that $355011.64 is mine, on top of my $300,000 in liquid assets, along with the principal part of my monthly mortgage payment. This leaves me to comfortably invest, pay taxes on my investments, have a home maintenance fund, and have some peace of mind.
Have to agree with a few posters here, it does not make sense to pay the mortgage off early unless it is around 9% or higher, which is ~6.75% after taxes (assumes 25% braacket). The extra payments are much better off in a tax exempt accountwhich would easily return 8% annually over the long term. The house equity is not liquid. You must also account for inflation which will make your future payments cheaper as well.
[...] of extreme personal finance. In the past I've written about a guy who was homeless by choice, how to pay off your mortgage in three years, and about the most fuel-efficient driver in the world. Regular readers know of my fondness for [...]
[...] of extreme personal finance. In the past I've written about a guy who was homeless by choice, how to pay off your mortgage in three years, and about the most fuel-efficient driver in the world. Regular readers know of my fondness for [...]
Thanks. Helped me re-evaluate the way we save and pay off debts. I realize that with a more targeted approach, we can eliminate our major debts without much sacrifice to quality of life. Now to coax/bribe the wife into it.
Mortgage interest is not tax deductible in Canada (where the couple lived) so paying off your mortgage fast is a good idea for them.
@ Peter # 6 post.
Peter Says:
"August 7th, 2006 at 5:59 am
Paying off your mortgage that early is a mistake for most people. A mortgage is probably the cheapest money you can borrow. If you have extra money there are so many better things to do with it; pay off credit cards and car loans, make sure you have proper insurance, set up an emergency fund, save for retirement, and many others.
Rushing to pay off a low interest rate mortgage without doing those other things is a big mistake. Plus paying off the mortgage removes a huge tax break for most people. Not that taxes should dictate your financial strategy, but it factors into how cheap borrowing money through a mortgage."
You mention that this is a huge tax break for most people. In the article they mention living in Canada. Well, up here in Canada we cannot claim mortgage interest against our income taxes.
Mortgage interest is usually much cheaper than say Credit Card interest I'll agree. In the article he states that they took on a 5 year 5.2% mortgage for $220,000 and wanted to pay it off within 10-15 years.
5.2% on $220,000 is alot of money, even if it is 'cheaper' than other interest rates. The point is it's borrowed money, it's still debt. You owe it to someone else. Might as well get rid of it and be free as soon as possible so you're not a slave to the bankers.
Thanks. I think this is just great. I don't know if it's for me, but I am retirement age, so
it'll give me some ideas.
I know this is a really old article, but I'm a newer reader (found you last week!) and I'd like to point out that your link to the original Yahoo! story is now a dead link.
You may want to consider removing it, or trying to find where the story lives now.
Keep up the great work, I love reading your blog!
all the links to the original article[s] do not work… page not found.
are there any new ones?
The decision they made was really smart (to continue living like impoverished students). Many people graduate from university, and seem to start a spending spree. This will only dig their debt dipper, and dipper. This couple played things out really smartly.
Stories like this encourage me. I'm staring a divorce in the face and after giving up a much higher paying job when I got married, I'm looking at having to support myself on a much smaller income.
People like this remind me it can be done, and after dealing with a free-spending spouse, I'll be happy to get back to a simplier lifestyle (and go back to school!)
I am a foreigner and have been living in this country for 10 years. I have been brought up in a very tight budget environment. I don't recall eating out with my family as a kid, nor do I remember being taken to a dentist by my parents. My parents weren't well off, but chose not to take care of even my essential expenses, although they could have afforded. I wish they had though, I have very unhealthy teeth. This frugal upbringing made frugality a lifelong habit for me.
I started working at age 15. I was a very hard working student, got scholarships from best schools. The scholarships I got throughout my education could easily top 500K (I have PhD in Electrical Engineering and a masters degree in Applied Mathematics from an Ivy League). I never lived a lavish lifestyle. In gradschool, I saved my stipends as much as I can and it proved to be very useful. Especially, through couple of summers I couldn't get scholarship, I lived on the money I saved before.
I have been living on my own money since age 15. I always lived way below my means. I never ever had any credit card debt or any other kind of debt. I have been working for two years now. Although I can buy a house for 500K and 50% down payment, I am still very careful with my money. I don't have a car. I am commuting by bus, 20 minutes each way. I wouldn't enjoy driving a car knowing that I have monthly payments to make.
When people ask me why I don't have a car or a house, I make up silly reasons. In my first year into American culture, I was explained that "people who travel by bus are losers". What can I say? To most Americans, I would very well be a good example of a loser. Debt is like the worst nightmare to me.
Don't get me wrong though. I eat very healthy, I dress trendy, I occasionally eat out. I buy gifts to other people. But still, I am very careful with money.
I don't think buying a house is an investment, or "equity building" as Americans believe. Over all these years, I noticed that Americans are terrible when it comes to saving. Since buying a house is like a "forced saving" for them, they think that buying a house is the smartest thing to do.
If I ever buy a house, I am planning to pay most of it by cash. I believe that best way to finance mortgage is cash. I think I can do better things with my money than paying 5.5% mortgage interest. And I also think that the tax benefit of mortgage interest is a big lie. It is like Chase Freedom offering 100$ cashback to people who spend 10 thousand dollars.
When I see other people's comments suggesting that "paying credit card debt/loan rather is better than paying of mortgage debt", I am thinking which credit card debt/loan, I have none.
Looks like a copy of the original story is currently here:
(No guarantee it will be there indefinitely.)
I'm 31 yrs old. I have refinanced my mortgage a month ago after now having lived in the house I bought new for 2 years.
I'm living by myself, I send a good chunk of money monthly to my family as my parents don't work, and have been able to save up about $45000 in the 2 years I've lived in this house.
I'm not a big earner, but I make a decent salary. I think part of the reason I was able to save so much while still giving to my family is because I'm single.
When I wanted to refinance, I took about $35000 of my savings and applied it to the principal so that the required monthly payment would go down drastically. Combining the large payment and the much lower rate, it went down by about $330.00 a month.
Now I feel a little more secure in that I know my REQUIRED monthly expenses are lower in case something bad happens (in this shaky economy).
I am planning to payoff my mortgage in 3 years from now though. I calculated the amortization schedule and if I take the $330.00 in savings each month and instead apply it to the principal each month and continue with my current savings rate, I will have enough money saved up to payoff the entire mortgage at the end of 3 years.
No matter how I calculate it, I save more by not having to pay interest than I do in getting a small tax deduction on the interest.
Investing in stocks, funds, etc is too much of a risk to guarantee a rate of return which is higher than what I pay if I do not have a tax deduction.
Once I've paid off the house, I can continue saving money and I can use portions of that money to risk in investing in the stock market.
That's just my plan and I feel it provides me with peace of mind that I don't owe the bank. My property taxes and insurance are not too bad either, so I think I could always have more than enough in savings to cover that.
The only thing I would not recommend is the accelerated mortgage payoff. If you were able to land the industry average of 6% on the mortgage, you're losing money in the long run by paying it off early. Over 30 years, investing the extra cash into a CD that pays atleast 3% will net you tens of thousands of dollars in cash extra than you've save in the interest in mortgage (On a 150,000 home, it's a gain of around 83k) All other debt absolutely – pay it off by any means – but you're better off investing your extra cash.
I STRONGLY disagree with anyone that thinks that paying off their mortgage early is the wrong thing to do.
I have a paid off mortgage and if I was making mortgage payments the payment would be $2350 per month. There is no investment out there that's going to return $2350 per month on my money.
With the extra cash I've been saving I've been purchasing real estate from the banks for $5K to $20K and fixing them and reselling them for $99K to $217K.
I'm not again investing. Investing is smart! Everyone is on a different level, but When you don't have monthly payments going out all over the place you'll save more money and have more money to spend!
Paying off a mortgage early is not the wrong thing to do – it will clearly save you hundreds of thousands of dollars. However, due to the beauty of compound interest on things like CD's plus the rate of returns you can get in other securities, you will make MORE over the long term by investing your extra cash instead of using it to pay off a mortgage with a low interest rate. Plus, don't forget inflation – it's bad everywhere else, but it helps your mortgage a ton! Every year, the amount of "real" dollars you pay on your mortgage goes down and down, while the rate of return on investments grows with inflation factored in.
From a micro-economic perspective it is usually very good for people and businesses to pay off all their debt as fast as they can.
But from a macro-economic perspective, every penny of paid-off debt is one less penny in the economy. The net result of everyone trying to pay-off their debt is that there is no more money. It is a nasty cycle, nearly a hundred years ago, the United States granted the banking industry an exclusive cartel on supplying the nation's money.
As the economy grows, as the population grows, more money is needed to keep the economy from crashing. Rather than just "print" more money, the banks' accounting schems require that when money is created an equal and opposite amount of debt is also created. From the banks' perspective, there books are still balanced. However, they take that positive account and lend it to us as home mortgages, business loans, car loans, and so on. Then charge us interest for something they created through accounting entries.
If you read these stories of how people paid off all their debts, you'll notice they had to live like they were impoverished. They had to live in a world of scarcity. This is a direct consequence of how our society creates money. Instead of letting the government create money without attaching a debt, we allow a private cartel of bankers to create money and an equal amount of debt at the same time. The end result is that every penny in our bank accounts is a penny someone, somewhere, had to borrow. And the interest payments, rather than benefiting all of society, go to a privileged few at the top of the economic pyramid.
In this day and age, it is inspiring to see be intentional and pay off their mortgage.
In the mortgage business, it disturbed me to see people getting in over their heads and not looking to get out of debt
Thanks for the post


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Celebrity news has just learned that ADAM LEVINE may be dating Victoria's Secret model BEHATI PRINSLOO!
This guy sure has a taste for models…
It's only been two months since the self-confessed womanizer and Victoria's Secret model Anne Vyalitsyna went splitsville, and yet he's already found himself a new ladylove… who is also a model for the lingerie brand.
Behold, Adam's new model arm candy girlfriend:
On Thursday, Adam was photographed having lunch with rumored new girlfriend Behati Prinsloo at the Mustard Seed Café in Los Angeles—they were even similarly dressed in white tops and grunge jeans.
Prior to that, the twosome was spotted holding hands and making out at the Tahiti Nui Bar in Hanalei, Hawaii over Memorial Day weekend.
Do you think they make a cute couple?
Photos By PR Photos
We'd love to hear your comment but please don't spam, we reserve the right to delete anything which is inappropriate


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BBC Radio 4 Thu 22 Nov 2012 06:00 BBC Radio 4
Best of Today
Insight, analysis and expert debate as key policy makers are challenged on the latest news stories.
Morning news and current affairs with Sarah Montague and Justin Webb, including:
A snap poll taken just after the ceasefire in Gaza was announced, suggested that around 70% of Israelis did not support it. Mark Regev, an Israeli government spokesman, examines the prospect of the ceasefire holding.
Ministers are setting out options for new laws giving some prisoners the vote, or continuing the blanket ban. Nick Herbert, former minister of state for police and criminal justice and MP for Arundel and South Downs, and Lord Lester, leading human rights lawyer who sits on the Joint Committee on Human Rights, analyse whether a change in the current system is necessary.
David Cameron will press for a minimum real-terms freeze in the EU's budget as leaders gather for a crunch summit on 2014 to 2020 spending. The BBC's political editor Nick Robinson gives his analysis of the on the pressure on the prime minister.
Insight, analysis and expert debate as key policy makers are challenged on the latest news stories.
BBC © 2014 The BBC is not responsible for the content of external sites. Read more.
This page is best viewed in an up-to-date web browser with style sheets (CSS) enabled. While you will be able to view the content of this page in your current browser, you will not be able to get the full visual experience. Please consider upgrading your browser software or enabling style sheets (CSS) if you are able to do so.


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So is Nitor worth it and if so is it ok just by itself?
So is Nitor worth it and if so is it ok just by itself?
Worth it for what?
What are your goals?
You need to give us just a little bit more info before we can recommend one of our products.
Nitor is excellent for energy as well as fat burning
AtLarge Nutrition Supplements Get the best supplements and help support Wannabebig!
Superior Athletics - Northeast Ohio's Center for Athlete Training
*Westside Barbell Certified Gym
Atlarge makes a quality product...
Would be nice to see them in retail outlets as well
I am just looking to tone more now. I was on SS for awhile and it worked wonders but I am not trying to gain too much more wait and I would like to move towards a more cardio driven workout and do higher rep exercises to tone so I thought Nitor would be a good idea to help that by burning fat.
23 years old
6'3, 308 lbs
825 Squat
470 Bench
645 Deadlift
1905 total


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My Message to Washington
After 5 long weeks, the Generational Equity tour will roll into Washington, D.C. having made 25 stops across America reaching thousands of young americans in the process. At each stop we have been collecting the signed messages of Millennials demanding congress address our fiscal future instead of continuing to kick the can on our generation.
Each message we collect is slapped onto one of 1500 shiny cans. On October 31st, your message will be presented at the US Capitol sending a message loud and clear to Washington, "The Can Stops Here."
Sign your message to congress below to add your voice to the hundreds who have already signed.
*For more information or questions on the event, email Blake Wright at email@example.com.
Join the event on Facebook.
Endorse the INFORM Act
To date, over 1,200+ leading economists and former government and elected officials have endorsed the INFORM Act – including 17 Nobel laureates, formers heads of OMB and GAO, and former chairmen of the Senate Budget Committee from both parties.
Now, it's your turn! Please sign below to endorse the INFORM Act, which incorporates generational accounting and fiscal gap analysis in the budgeting process to provide more information to lawmakers and the public about how today's fiscal policy will impact young people and future generations. Then spread the word to your friends, classmates and colleagues!


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30 second game guide
Bring'em Out: Wake Forest (4-2) vs. No. 17 Gonzaga (6-1) at the McCarthey Athletic Center at 2:30 p.m. on ESPN2.
Watch for: How long it takes for Gonzaga to get going on offense. The Zags have been notoriously slow starters this season, often letting opponents build sizable leads early in the game. The Bulldogs need to hold Wake at bay in the opening half to make less work for themselves in the second half.
Fear: Al-Farouq Aminu. The Demon Deacons sophomore forward is a double-double machine. Aminu's already recorded four double-doubles in just six games this season. He's averaging team-highs in points (17.7) and rebounds (11.0) per game. Most of Aminu's points come in the paint, and in order for Gonzaga to contain him, the Zags will need a solid effort out of Robert Sacre in the middle. That puts the pressure on Sacre staying out of foul trouble, because the Bulldogs have very limited big-man options off the bench.
Respect: Elias Harris. Gonzaga's surprise freshman says he finally "showed how he can play" in Wednesday's game against WSU (24 pts, 12 reb) and he plans on picking up where he left off on Saturday. Harris collected the first double-double of the season for any GU player and looks like he's coming into his own. He may look a little older and play a more mature game than a true freshman would, and that's because he's two years older than a typical frosh. Harris is 20 and has been playing pro ball in Germany for the past four seasons. What a great find for the Zags.
Random Stuff: Gonzaga is 10-4 all time against ACC opponents, but this is the first-ever meeting between the Zags and Demon Deacons. Wake Forest is coming off a 69-58 loss at No. 4 Purdue in the ACC/Big 10 Challenge. Gonzaga improved to 65-3 all time at the McCarthey Athletic Center with Wednesday's 74-69 win over Washington State.


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Exotic Animal Incident Report
Reported: Jul 06, 2011
Animal: Service Monkey
Facility Type: Exotic Pet
Category: Attack resulting in human injury
Summary: A 9-year old girl was bitten by a monkey at Wapiti Park Campground in Elk River. The owner of the monkey was visiting friends at the park and had the monkey in a cage. The girl approached the cage and was subsequently bitten. The monkey was a service animal. The girl was not seriously hurt.
Source: PrintFriendly.com
All Reports in Minnesota Map of Minnesota Reports Return to Index


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centrum a mimo centrum
Písek, 397 01, post Písek
Telephone: +420 387 999 999
Location: Centre of the town
Type: Jewish monuments
Although the Jewish inhabitants formed a small percentage of the inhabitants of Písek, they had a grand synagogue built in between the Smetanova and Soukenická Streets. The synagogue was closed during the Nazi occupation not to be reopened after the war. The same destiny met the Jewish cemetery situated in the north western part of the town. The close friend of the composer Leoš Janáček, Kamila Stösslová, and the poet Richard Weiner were buried there. Weiner´s remains were exhumed in 1987 and moved to the Forest Cemetery for a ceremonial burial. The derelict Jewish cemetery was landscaped at the beginning of the 1990s.
File date: 24.5.2011
This project is co-financed by the European Union and the South Bohemian Region.
© 2004 - Město Písek - odbor kultury a cestovního ruchu, number of visitors this page since 19.5.2009: 733


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FAST Light
Record Crowds Celebrated Art, Science and Technology at MIT
Weekend of May 7+8, 2011 from 7 PM – 10 PM
Thousands of spectators young and old saw the light at MIT this past weekend — literally. FAST Light, the finale event of the three-month-long Festival of Art + Science + Technology, illuminated MIT's campus and the Charles River on Saturday, May 7, and Sunday, May 8. Onlookers filled campus and the banks of the river to see the 20-plus projects that used light as a focal point.
Download a PDF Map of FAST Light events.
A weekend of kinetic illumination kicked off with the launch of Otto Piene's SKY Event when large-scale, brightly lit stars flew over MIT's Killian Court. The Charles River and the Mass Ave Bridge were illuminated with projects by MIT faculty Nader Tehrani, Gediminas Urbonas and Meejin Yoon, and researcher Susanne Seitinger.
The 20+ installations by faculty and students listed below include videos of the creative team discussing their installations.
Dis(Course)4 Student Installation on ViewApril 21 - present
A stairwell transformed by a shimmering conduit designed to inspire delight, wonder and communication between floors. …
Liquid ArchiveMay 7-8, 2011
A floating artwork imaginatively extends MIT's Killian Court beyond Memorial Drive into the Charles River, celebrating the Institute's inventional history and its sesquicentennial anniversary. …
SOFT RockersApril 25-May 8, 2011
MIT SOFT Rockers are smart, clean energy charging stations disguised as outdoor rocking lounge furniture. Unlike conventional 'hard' urban infrastructure, The SOFT Rocker leverages its environment in a dynamic manner by using the human power of balance. …
String TunnelApril 25 - May 8, 2011
String Tunnel is a pathfinder to the Infinite Corridor that continues the wayfinding begun in the Chroma District using nylon threads as the guide. …
Chroma DistrictMay 7-8, 2011
Chroma District, an illuminated extension of the Infinite Corridor, conducts visitors to MIT's main campus with harmonious lanterns and striking colors whose intensities guide the way. …
IceWallFebruary, 2011
IceWall plants a new future, even as its own seemingly fades away during the Festival of Art, Science and Technology. …
InflatablesMay 7-8, 2011
A network of helium balloons that engages the environment by interacting with occupants and manifesting otherwise invisible environmental forces like the movement of air. …
aFloatMay 7-8, 2011
An interactive installation at the MIT Chapel that produces a pool of flickering lights on the marble platform. …
Night of NumbersApril-May 2011
Night of Numbers is a dynamic lighting installation by Praveen Subramani & Anna Kotova that tells the story of MIT's past with projected numbers and phrases on buildings around Ames St, bringing renewed vibrancy to an often overlooked entrance to main campus. …
Gradated FieldMay 2011
Gradated Field is an inhabitable landscape serving as a connection point between the river and campus that encourages a variety of interactions ranging from meandering by, to sitting, relaxing and lounging against the smooth plaster shapes. …
Maxwell's Dream: Painting with LightMay 7-8, 2011
An art installation that allows observers to play with a magnetic field to create patterns in light. …
BibliodopteraFeb. - June 2011
A cloud of vellum butterflies, seemingly born from the pages of MIT's libraries, floats above a busy hallway, guiding passers-by. …
MIT Mood MeterMarch - May, 2011
MIT Mood Meter is an installation that gathers and aggregates affective information from people around campus in order to estimate the overall mood of MIT during FAST. …
(now(now(now))): the Infinite Time CapsuleApril - May, 2011
(now (now (now))): the Infinite Time Capsule nests layers of the past into an image of the present, recursively intertwining slices of time. …
Otto Piene: SKY EventMay 7, 2011
Rising above the Great Dome of MIT, two immense, inflatable stars soared over Killian Court on the evening of May 7 during FAST Light, the culminating event of the MIT150 Festival of Art, Science and Technology. …
Susanne Seitinger and Pol Pla: LightBridgeMay 7-8, 2011
LightBridge is a dynamic display symbolic of MIT's historical and contemporary connections between people and places on both sides of the Charles River. …
Nick Gelpi: Unflat Pavilion/Feather-Weight HouseMay 2011
An architectural sleight of hand: A pattern cut into flat plywood stock transforms into a three-dimensional, freestanding pavilion. Architectural features appear as flat sheets are bent, unfurling into skylights, columns, buttresses, windows and vents. …
Joel Lamere + Cynthia Gunadi: OverlinerMarch - June 2011
Origami on a large scale, Overliner highlights the architectural idiosyncrasies of a public space, transforming a familiar and busy passageway into a moment of surprise and repose. …
Skylar Tibbits: voltaDomFebruary - May 2011
Skylar Tibbits' voltaDom investigates a new typology of vaulted surfaces in the passageway between buildings 56 and 66. …
Meejin Yoon: Wind ScreenApril - May 2011
WIND SCREEN is a temporary installation whose integrated functional and aesthetic properties seek to transform public opinion and public behavior by foregrounding energy use as well as the means of production and consumption. …
Meejin Yoon: Light DriftMay 7 - 8, 2011
LIGHT DRIFT is an interactive lighting installation that will appear along the Memorial Drive side of the Charles River and draw viewers into a playful engagement with the artwork, the river's edge, and each other. …


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Hartford, CT's Hooker Day Parade celebrates Thomas Hooker; founder of Hartford, lover of parades.
October 19, 2013, Downtown Hartford
2:00 pm parade, 3:00 pm after-party at Black-eyed Sally's
The Hooker Day Parade is hands down the weirdest, most made-up, rag-tag, cut loose, high-spirited, Mardi Gras bead and candy filled parade in Hartford. Its purpose is to celebrate ourselves; our City, our creativity and our people.
PARADE ROUTE: The parade steps off at the intersection of Asylum Street and High Street (by Black Eyed Sally's). The route then moves east on Asylum, north on Trumbull, west on Church Street, south on Ann Street, west Asylum, concluding in Awards and Block Party on Asylum and in front of Black-eyed Sally's.
Parade History:
In October of 1635 Thomas Hooker left Cambridge, MA and traveled through the wilderness with The Adventurers in search of a new settlement for his congregation. They found this place, and in June of 1636 Hooker led a procession of one hundred men, women and children back to Hartford to settle here for good. You could say that march was the original Hooker Parade…
"Mayor Mike" Peters organized the Hooker Day Parade in the early 90s to bring some excitement and a little goofiness to Downtown Hartford. The parade grew over the next 10 years from a small, extremely wacky procession with more marchers than watchers, to a significant and highly anticipated event in the city of Hartford. The Hooker Day Parade went on hiatus in 2001, but remained in the hearts and memories of anyone who participated.
The Hartford Business Improvement District and HARTFORD.COM brought the Parade back in 2008 to rave reviews. This year we continue to honor the memory of Mike Peters. He will forever be our Grand Marshall.


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Jared Garcia-Kessler filed a complaint after hearing about this year's 'Seniores and Señoritas Day' at Canyon High School where students dress up stereotyping Mexican Americans.
Comments are encouraged, but you must follow our User Agreement
Keep it civil and stay on topic. No profanity, vulgarity, racial slurs or personal attacks. People who harass others or joke about tragedies will be blocked. By posting your comment, you agree to allow Orange County Register Communications, Inc. the right to republish your name and comment in additional Register publications without any notification or payment.


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The news that Barcelona have been hit with a two-window ban on signing new players for improperly acquiring international players under the age of 18 is a second legal strike against the Catalan giants. With the book-fudging purchase of Neymar … Continue reading
Pep Guardiola RSS
Bayern Munich: What's down is up
While listening to Iain Macintosh on the lastest ESPNFC podcast, he threw away an interesting posit on German football that deserves some investigation. His theory, which is his, was that Bayern Munich win a few Bundesliga titles in a … Continue reading
Guardiola may not be Bayern's Man of Steel
The new Superman movie, Man of Steel, does some things well. It creates a plausible Superman back story, introduces a new dynamic into the Clark Kent/Lois Lane relationship and makes Kevin Costner somewhat likeable again after two decades of … Continue reading
Abramovich, Guardiola and Benitez: a bizarre love triangle
In 2007, Michael Voss, a former league MVP, inspirational club captain and widely-touted Premiership coach in waiting, had announced he wanted a head-coaching gig for the following season. In quick response, three AFL clubs fired incumbent coaches to obtain the … Continue reading


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It's X'mas and how we love giving and receiving gifts at this time of the year! Keeping the spirit of the occasion in mind, Google went ahead and gifted its employees Icecream Sandwich powered Samsung Galaxy Nexus as their Christmas gift!
All employees based in Zurich and London offices received a special edition of the Samsung Galaxy Nexus as a gift for all their hard work this last year. However, we are not sure if employees in Google India received the same. But employees based in Zurich and London have definitely received a customized Nexus that sports a custom battery cover along with Google and Android logos.
According to several reports, Google gave all its 20, 000 employees across the globe an individual bonus of $1000 last year. In addition to this, they were also awarded a 10% hike in their salary on the first day of the New Year.
In April this year, Google CEO Larry Page had said that, "all Google employees will have their 2011 bonuses either go up or go down as much as 25% depending on how well Google performs against its strategy to integrate relationships, sharing and identity across products"


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Find the perfect accommodations for vacations, romantic weekends and adventurous getaways. Find the right accommodations for your travels, from budget to luxury!
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Georgia, Georgia Bed & Breakfasts - Gudauri Sport Club, Ski Resort Gudauri
Kakheti, Georgia Sight-Seeing Tours - Kakheti_ wine region in Georgia. During the trip u can visit wine cellars , taste Georgian wine made with old traditions . Also visit Tsinandali museum. Price includes: Car service, guide service, entrance fees at the museum. wine de-gustation fe
Tbilisi, Georgia Sight-Seeing Tours - Join to guaranteed departure groups from Exotour and save money. Scheduled departure dates and only for $545 - package tour price per person.
Georgia, Georgia Sight-Seeing Tours - Travel on spectacular roads to high Caucasus Mountains, observe beautiful scenery, ancient traditions and isolated historical monuments,experience-thrilling adventures and great excitements. And this is not all you discover on a jeep tour in Georgia.
Tbilisi, Georgia Sight-Seeing Tours - 9 days private tour to the most exotic country in Europe with its remote and authentic villages, medieval towers, alpine valleys and gorgeous roaring rivers. UNESCO World heritage site Ushguli village, the highest highest settled village in Europe
Tbilisi, Georgia Youth Hostels - Tbilisi Budget Inn hostel welcomes you in Georgia! Choose our hostel and enjoy every second of your stay in Tbilisi.
Tbilisi, Georgia Bed & Breakfasts - WELCOME TO OUR LIBERTY HOSTEL. Liberty Hostel is a budget hostel for backpacker tourists, situated in Niavghari 6, Tbilisi, just under the Tram Furnikulor on the top of the prestigious Mtasminda. Our hostel welcomes all tourists with open hands
Tbilisi, Georgia Sight-Seeing Tours - the Jeep rounds, Excursions, Mounting skiing resorts, Sea rounds, the Gourmet rounds, Wine rounds. Short tours and excursions in Georgia Historical rounds to Georgia.
Tbilisi, Georgia Sight-Seeing Tours - Did you decide to Travel in Georgia, Armenia and Azerbaijan, the whole Caucasus, very Exotic, Great Cultural, Historical and Spiritual Countries? You made the best choice!
Tbilisi, Georgia Sight-Seeing Tours - Georgia, Armenia, Azerbaijan - the Caucasian land of hospitality. Visiting the capitals of these three countries is the perfect introduction to their great culture, rich spirit and diversity.


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Leadership Training Initiative
The Leadership Training Initiative, which addresses climate and leadership barriers to recruitment, retention and advancement, includes the following programs/activities:
- External Mentors Program provides career-development opportunities for STEM faculty of all ranks to work with a noted expert in their discipline in a manner that would help address barriers to involvement of women and underrepresented minorities in STEM disciplines.
- Department Chairs Training addresses climate and leadership barriers to recruitment, retention, and advancement of an excellent, diverse faculty.
- Emerging Leaders Training Program provides training opportunity for emerging leaders.
- ADVANCEing Institutional Transformation Workshop (held August 26-27, 2010 and October 16, 2012) for all WSU academic deans, chairs, and directors, as well as invited University of Idaho STEM department deans, chairs, and directors, to learn about best practices for recruitment, retention, and advancement of an excellent, diverse faculty.
- Inaugural ADVANCEing IT Workshop, August 26-27, 2010
- 2nd ADVANCEing IT Workshop, October 16, 2012