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Nationwide Lifestyle Protector: 10% discount on unemployment insurance
Nationwide is offering a 10% discount on its Lifestyle Protector product. Will the policy pay out when you need it and does it offer value for money?.
Nationwide has just reduced the price of its insurance to protect your income in case you're made redundant, or in case you can't work due to illness or injury, or both.
Many of you will immediately realise that this is a form of payment protection insurance, the much derided insurance that has been sold to millions of people who can't use it or can't afford it.
Banks are in the process of compensating hundreds of thousands of individuals for mis-selling it, and if you have a mortgage, credit card or loan I urge you to look into whether you should get some money back.
The terms and conditions have often been very poor and the insurance has usually been hideously over-priced, particularly when offered by banks and many other major institutions.
Some policies are worthwhile
That said, if you're worried about how you'll pay the bills if you lose your job or fall ill for a long time, an insurance to protect you against that is a good idea – provided the small print and price are right.
Some stand-alone insurers have been selling these policies with much better terms and conditions for years, and at one-tenth of the price – which shows the hideous mark-up that most financial institutions have been benefiting from.
Nationwide bravely restarts selling the insurance
Nationwide has a reputation for treating its customers fairly and it's clear from the volume of small print I've read over the years that it generally does offer better terms and conditions in its products.
I don't recall reading the building society's PPI contract before banks recently started grudgingly compensating customers who were mis-sold the insurance. However, complaints against Nationwide for PPI are relatively small for its size, amounting to just tens of millions over the past year.
This might be partly accounted for by the fact Nationwide stopped selling the insurance quickly in 2007, when the mis-selling problems became widely known.
Since then, it has bravely re-entered the market and last week it reduced the price, so let's look at whether this is worth buying now.
The basic deal looks pretty normal
Nationwide calls its product Lifestyle Protector. You can choose for it to pay up to 60% of your pre-tax income every month for six to 12 months if you're made redundant and sign a Jobseeker's agreement, or become unemployed to become a full-time carer. Alternatively or additionally, you could get the same if you fall ill or are injured and are unable to work.
The more cover you want, the more it costs. Cost is also linked to your health, age, whether you smoke, and your job.
You can choose cover that pays you from the 15th day after you can't work or, if you have some savings, you could choose a waiting period of up to 180 days in return for lower premiums.
If you choose, e.g. a 60-day waiting period, you'll have to wait another 30 days before you're paid, because you're paid monthly in arrears.
So far, these are all normal terms, but Nationwide adds a little life insurance – up to £30,000, but probably far less on average. While nice, this probably just complicates things. Unless you need life insurance and have already decided to buy it, I wouldn't take that into account. Remember to compare overall costs with shopping around for life insurance too.
The exclusions are quite normal
Let's turn to the exclusions – which is where the problems usually lie.
You won't be covered if:
- You're out of work due to medical conditions that you've suffered before buying the insurance.
- You're made redundant and you had good reason to suspect that could happen before starting the policy.
- You won't be covered at all for unemployment if it happens in the first few months of starting the policy. This is called the exclusion period, but don't confuse it with the aforementioned waiting period. Nationwide doesn't specify its exclusion period until you get your personal policy schedule, but a normal exclusion period is a whopping six months. That's an important exclusion.
- You might have a similar exclusion period for sickness, or specific sicknesses. This might be more or less than six months.
You have to claim quickly when the time comes, and re-negotiate your contract if you change your job, form of employment (e.g. full-time to fixed contract) or smoking status.
You can buy PPI if you're self-employed, but in my view the terms and conditions are too stringent for most self-employed folk.
Those of you with fixed-term contracts have other small print to be wary of, so read the documents! One of the big ones is you have to have been working for 24 months straight for the same employer.
Although I've outlined the major exclusions, there are plenty more terms and conditions, so make sure you read the policy document and policy summary.
Is the price worth paying?
There are plenty of exclusions to watch out for, but I think they're quite reasonable provided you understand them, you still think you could claim when the time comes – and, most importantly, provided those limitations are reflected in the price.
You might pay £36.06pm to Nationwide to get benefits of £1,000pm. For my test quotes, I was looking at a 30-year old non-smoker in good health doing a not-very-strenuous job, who wants a 30-day waiting period for illness and injury claims and 90 days for unemployment claims.
You should not use these 30/90 day terms as a template if you get quotes. Consider your own situation and finances instead, i.e. how long you could last without income, to decide your own waiting periods.
The cheapest, stand-alone policies five years ago were quite a bit cheaper than this, but that was before our economic woes. Back then, by my best estimates, those cheaper policies were probably paying back to customers in claims a very high proportion of the premiums received. This is in stark contrast to most bank PPI.
However, today's higher prices, in my opinion, look like they could still be reasonable. With the chances of redundancy and stress leave much higher in these poor economic times, it could be that the cost is justifiable, particularly if you're worried and have little savings to tide you over in times of trouble.
How the insurance compares
I've compared Nationwide with one of its main competitors, Synergy Financial Products, which offers similar terms and conditions, perhaps slightly worse. You can buy PPI from Synergy through brokers only.
Monthly benefit |
Nationwide's monthly premium (1st year) |
Synergy Financial Products |
£300 |
£8.39 |
£10.80 |
£600 |
£19.22 |
£21.60 |
£900 |
£28.84 |
£32.40 |
£1,000 |
£36.06 |
£36.00 |
£1,200 |
£43.25 |
£43.20 |
£1,500 |
£54.09 |
£54.00 |
In the first year, Nationwide is markedly cheaper if you select up to £900 in benefits per month. After that its 10% discount expires, but in following years it is still cheaper, provided the premium doesn't rise much faster than Synergy's.
If you choose to receive £1,000 of benefits per month or more, Nationwide is very slightly cheaper in the first year, but when the 10% discount expires, Synergy could be cheaper unless it raises its premiums significantly.
Remember alternatives
Unfortunately, this insurance could tie you in to higher prices in following years, because switching will mean you face long exclusion periods again, and you might have trouble getting cover for medical conditions you picked up during the previous year. Those are pretty nasty catches.
If you have large savings, or can build a big savings pot, it's generally better to do this than buy this insurance, particularly for unemployment.
In my opinion, for those of you wanting to protect yourself from illness and injury, permanent health insurance does the same as PPI but better, over a longer period, and generally at a good price. It also frequently comes with fixed premiums.
More on PPI and other insurance policies:


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Final Fantasy VIII – Part 1
The first in a long-running review on Final Fantasy VIII. In this chapter, I return from my extended absence to introduce you to just a few of the things that… Read on››
The first in a long-running review on Final Fantasy VIII. In this chapter, I return from my extended absence to introduce you to just a few of the things that… Read on››
Some sick bastards actually wrote in asking for more Draw footage, and they had a point. You can't understand what Final Fantasy VIII is until you've experienced just a fraction… Read on››
This episode tackles the most annoying of all minigames: the thirty hour side quest known as Triple Triad. Everyone's doing it! It's time to d-d-d-d-d-duel!
It's time to finally confront the game itself. No more mini-games, no more magic. Let's take a look at the story and characters that make Final Fantasy VIII…shall we say,… Read on››
The prom continues, but my date has ditched me! Will I ever find love? And what's in the magic lamp?
WARNING: Mature Content! It seems that FF8 has thrown me into a hallucinatory wonderland, where a parallel universe version of myself decided to ravage Final Fantasy SEVEN instead! Before everyone… Read on››
A character who uses a gun? This is a dream! It's a tale of really awkward romance and a fat man throwing a harpoon at mushrooms. Will our heroes ever… Read on››
Just when I thought I was out, they pull me back in! Welcome to the long-awaited resurrection of my review of Final Fantasy VIII: the game that has plagued my… Read on››
Disc 2 starts off inauspiciously as our heroes have been imprisoned by the nefarious Sorceress! What horrors await them at the not-so-tender mercies of Seifer and his electric bed? Is… Read on››
To understand why Final Fantasy VIII sucks so hard, you need to take a trip back to the past– 2000 years into the past, to be exact. But will we… Read on››
Creator commentary is here! In this final part of the review, I attempt to defeat Final Fantasy VIII once and for all using all of my scientific knowledge to compress… Read on››

subset: commoncrawl


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A job search can get quite frustrating these days, with so many people competing for too few openings. To ease the burden, AOL Jobs tracked down the 10 top companies that are hiring this week. From sales jobs to finance positions, full-time to part-time, these employers have a plethora of openings they're looking to fill.
Looking for a job in Barrow County? Check out our jobs page.
Good luck job hunting!
1. Petco Jobs: 11,587 openings.
San Diego-based Petco's chain of pet supplies stores number more than a thousand across the U.S. and, along with its large supermarket-type operations, now includes smaller, mom-and-pop-style neighborhood stores, Unleashed by Petco.
Employee Review: "I met some great people and work with even more amazing people. The management was fantastic. I was paid fairly and had reasonable hours. I also was able to work around my school schedule which helped me pay for tuition. Plus, who doesn't like getting to play with puppies every Saturday?"*
2. Toys R Us Jobs: 8,645 openings.
The longtime toy retailer based in Wayne, N.J., has more than 800 stores in the U.S., and already is gearing up for the holiday shopping season. "Many of our customers said to us, 'We hate the hectic pace of December, we want to have the opportunity to shop early,' " said Toys R Us Chief Marketing Officer Richard Barry recently. That means holiday discounts and promotions have already begun.
Employee Review: "You will receive great hours from about July to December. The supervisors and management help out with any customer situation or question you may have, and they really like it when you show them that you have an interest in expanding your in-store knowledge and skill set. ... Cons – From January to June, the store is almost dead. ."*
3. Pizza Hut Jobs: 6,354 openings.
After 55 years in the business, Pizza Hut continues to expand, adding new locations nationwide. In its recent hunt for a digital manager, the fast-food chain asked applicants interviewing for the job to prove their ability to get a message across in Twitter-like brevity by limiting their "elevator speeches" to just 140 seconds.
Employee Review: "Decent hours, fun working environment, challenging (but not too much), rewarding, quick training (I was cross-trained, so I could fill any role necessary)."
4. Macy's Jobs: 5,579 openings.
Even though sales are down slightly, the famous retail giant continues to hire in large quantities nationwide. Macy's Inc. stock recently went for a record high, selling at $50 a share.
Employee Review: "The management is competent. Employees are given a good discount and still able to use coupons. You can pick up more hours online when they become available."
5. AutoZone Jobs: 4,777 openings.
AutoZone Inc. is a 34-year-old automotive parts retailer, based in Memphis, Tenn., that boasts of having 4,600 stores in the U.S., Puerto Rico and Mexico. Discussing his business philosophy, AutoZone founder J.R. Pitt Hyde recently told a business forum: "Learn on the other guy's nickel. Go to work in the industry you think you want to start in and learn from the ground up."
Employee Review: "The company has a strong growth in the market and is very stable. Although AutoZone has grown to a large company, the corporate mind set is still on a small scale. Things like flex time, vacation pay, and holiday pay are still not substantial to match this size of this company."*
6. Bon Secours Health Jobs: 4,225 openings.
The Bon Secours Health System of Marriottsville, Md., describes itself as employing more than 22,000, mostly on the East Coast. The Catholic nonprofit, sponsored by Bon Secours Ministries, is affiliated with 19 acute-care hospitals, one psychiatric hospital, five nursing care facilities, four assisted living facilities, and 14 home care and hospice services. It recently entered an agreement with Aetna subsidiary Healthagen to help serve 57,000 Medicare beneficiaries in Kentucky, New York, South Carolina and Virginia.
Employee Review: "Patient-centered mission is part of everyone's job. Good benefits. ... Work/life balance is a challenge in finance and administration."*
7. Yelp Jobs: 3,391 openings.
The social review website launched about a decade ago as a place for it users to write and publish unsolicited reviews of businesses. Headquartered in San Francisco, Yelp makes money through the placement and listing features that it gives to advertisers. It became publicly owned in March 2012. Yelp recently announced that it's allowing users to write and publish full reviews of businesses via its mobile app.
Employee Review: "Great culture, fun coworkers, great office location ... comparably low salaries, not allowed to work from home ever."
8. Firestone Complete Auto Care Jobs: 3,341 openings.
Firestone Complete Auto Care is a car maintenance chain that's part of one of the oldest American tire companies. There are more than 1,600 locations nationwide that, along with selling and servicing tires, also do repairs and other kinds of work on cars.
Employee Review: "Higher than average compensation for retail, good camaraderie with co workers. Nice working for large company that you know will be there tomorrow. "*
9. UnitedHealth Group Jobs: 3,198 openings.
UnitedHealth Group currently provides health insurance services to more than 75 million people worldwide and is the largest insurance company of its kind in the U.S. With the onset of states' participation in the Affordable Care Act, the Minnesota-based insurer "has remained especially vague on the number of systems in would participate in," says The Motley Fool, "placing the number somewhere between 10 and 25."
Employee Review: "Good, steady work. Great learning opportunities. Very little favoritism, you get ahead based on your own work. Work at home opportunities help on commuting costs. Great work-life balance, ample vacation time."*
10. AT&T Jobs: 3,131 openings.
Wireless giant AT&T continues to hire in large volumes, as many customers upgrade their smartphones and purchase tablets that require LTE data plans. It recently announced that it will be adding more wireless subscribers than expected.
Employee Review: "They provide great benefits and pay. I know they match quite a bit for 401(k) investment. It is a great job for someone interested in technology and learning about new technologies. Also, it is great to know that you are helping others out on a daily basis."*
*All reviews from Glassdoor.


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EAST MONTPELIER Vermont State Police say a two-car accident Wednesday in East Montpelier was caused by a driver momentarily taking his eyes off the road.
State police say Ryan Golden, 21, of Barre, was driving west on Route 2, looked away for a second and rear-ended Robert Rouleau, 27, who had stopped to pull into his driveway.
State police say Goldens vehicle sustained major front-end damage and Rouleaus sustained minor damage. Rouleaus 10-month-old daughter, who was in a car seat in his vehicle, was not injured, nor was Golden, police said, but Rouleau was taken to Central Vermont Medical Center with neck and back pain.
No charges were filed.MORE IN This Just InMaybe talking about life insurance isnt as bad as a root canal or as hard as talking with your... Full StoryHELENA, Mont. Full StoryMONTPELIER In an attempt to avoid some of the same operational challenges they continue to... Full Story -
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Tanner Mackay and Niall Sutherland were once far more than just fellow intelligence agents. But then a mission went horribly wrong and everything fell apart, sending Tanner into hiding and splitting the team and their affair wide apart.Now an unknown traitor is threatening the team, and their ex-boss is determined to reunite them before it's too late. She finds Tanner in a run-down trailer park, bringing with her a most unwelcome refugee in need of temporary sanctuary: Niall, the man he thought he'd never have to face again. The man he's sure feels exactly the same in return.Trapped in a situation that's both claustrophobic and highly dangerous, Tanner and Niall will have to revisit their past and reconsider their perceptions, their loyalties—and their desires—in order to survive, let alone forge a future together.
I watchedthe five people stumbling up my path with bags and boxes, but I didn't go to help them at first. In fact, I didn't move from the doorway of my trailer at all. I just leaned against the open aluminum door, cultivating the nonchalant look. The nonchalant "I never asked you here in the first place" look.
Didn't work, of course.
It was so early in the morning that the sun had that pale white shine. The air was sharp and a little damp. There was no one else around except a wheeling bird high above us.
I couldn't mistake the twist of misery on Simon Wagner's face. He was genuinely distressed. His soft blond hair looked like he'd run his hands through it a million times this morning, and there were dark shadows sketched in under his baby-blue eyes. His whole expression said, "I'm confused. I'm pissed. I'm out of my depth here." It hit me as strongly as if I felt it myself. I had, of course, in other circumstances. He was a guy who'd always found a way under my defenses, and—just for that moment—my hostility wavered.
Judith Harrington was beside him. Her expression was less easy to read. Nothing new there, then. Even when I'd worked for her, I'd never dared assume I knew what she was really thinking. When she darted one of her glares at me, I stirred myself down the couple of rickety steps and sauntered along the path to take my share of the baggage. I lifted a couple of boxes off of Simon and his assistant, and I helped Judith balance her briefcase on the top of some packaged books. Then I also took two clothes bags off her assistant, Cissy, slinging them over my shoulder. But I refused to help the fifth visitor. I reckoned he was tough enough to take the whole damned lot himself.
We all tottered through the narrow doorway into the trailer, one by one, and piled the stuff in the corner of what I laughingly called my living room. I had to wedge everything between my shaky, tubular steel couch and the standard lamp that only worked, as far as I could tell, at its own whim. That was the only free space available. Our huffing and heaving brought down a couple of the pictures I'd tacked up on the wall behind the couch, but I didn't make a fuss about it. They were only cut out of magazines, after all.
Instead, I stared at the baggage invasion. Boxes of books and papers and maps, a couple of kit bags of presumably more personal things, a modest pile of clothing protected by thin plastic covers. A cardboard lid flapped shut suddenly, expelling a small puff of dust. A small enough collection of belongings, I guessed, for a single person. The sum total of a life, of twenty-three years. I could tell it had all been packed pretty hurriedly. Some of the boxes were charred slightly at the corners, and there was water damage on the book covers.
Looked pretty pathetic. I swallowed down a comment to that effect.
No one was talking, apart from breathing more heavily from the slight effort. Judith sank on to the couch with a tsking sound, which was probably her only concession to admitting pain. She had a weak ankle, and this removal business wouldn't have helped it. She fell once on a mission, when she'd hurtled down two full floors from an outside fire escape. But as I heard it, she struggled on to the end, supporting a wounded teammate out of the building with her and only then admitting she'd fractured a bone in her ankle. Tough cookie.
She made some small gesture with her hand to Cissy and Greg—Simon's assistant—and they backed off outside again to stand near the foot of the steps. They pulled the door closed behind them, but not completely. I breathed a little more steadily; it had been getting a tad crowded indoors. Just the four of us left, now. Someone cleared a dry throat.
Simon spoke first. He never could stand awkward silences. "It's not for long, Tanner, or so we hope. But there's nowhere else we could find, and no one else we dared ask. You know that, don't you?"
I caught Judith's look out of the corner of my eye and shrugged. "Things must be really bad. I'm not exactly Employee of the Month, am I?"
Simon scowled. "That's not what I mean, and you know it. He's in danger. We all are. However, the Department insists we involve as few people as possible outside of the core team. You're one of the very few that has adequate clearance." His voice was thick with repressed emotion. "One of the few that we can trust, dammit!"
I bit at my lip. "Tea, anyone? Beer?" Then I remembered there was no beer. I gave it up a while back. I found all sorts of maudlin feelings crept in when I allowed it around me. No one answered my question, at first, but neither did it stir them into any other action. The mutual glances being thrown around excluded me by their very existence. It reminded me of when I'd last been part of that clique. When I'd been a damned critical part.
And how I no longer was.
Simon sighed. "There's a hell of a lot to be done before any of us can rest again. Oh, and tea…? Yes please, for me and Judith. I'll give you a hand with it. Then we can talk everything through together. That okay with you, Tanner?"
"Yeah," I answered slowly, making sure my gaze stayed on him. "Sure it's okay."
Simon made his way out to the kitchen area ahead of me, lifting aside the bead curtain with barely a glance. I kind of liked it, though purple and black wouldn't have been my first color choice if I'd decorated the place myself. I pushed after him, needing to get in there before he discovered just how few creature comforts I actually had. I reckoned I could remember where there were a few more tea bags left in a cracked pot; perhaps a couple of washed mugs apart from the large blue one I used daily. It's not like I'd wanted to entertain, right? Didn't say that to the blond guy with the tortured eyes, though.
"You haven't called Brad or me for a while," he said. His voice was low, and it didn't sound like he put his whole heart into the rebuke. Even so, I felt like a major asshole.
"Not a lot of news to share."
He raised a cynical eyebrow. "Just so we know you're okay. We don't need a full news report for that."
I nodded and shrugged. "Okay. Of course I'm okay. But that's fair enough." I flipped on the kettle, knowing we had a couple of minutes before Judith got impatient for us to return, and the noise of the bubbling water would hide our voices. "So let's have the truth here, Simon. I've been out of it for almost three months now. What the hell is this all about? Far as I know, there's been nothing much going on in the Department since Mission Dove wrapped up."
"Far as you know?" His eyebrow rose again.
"Right." I sighed. "So I'm not on the circulation list nowadays. But I can find out what's going on if I want to, you know?"
"Yes, I imagine you can." His eyes sparkled briefly with amusement. "You always did find access to all kinds of places. But you're right. The Project Team hasn't been called up for any more work on that scale. All we've been working on are minor investigations, some local security issues. Housekeeping tasks for the Department, you might say."
"So…." The kettle shrieked and rattled to a boiling halt. The condensation dripped with familiar glee down my wall cupboard. "So what's this sudden crisis?"
It was obvious that it took him an effort to appear calm. "I guess it's important to get you up to speed. We've all been unwinding after Dove, and maybe we've been too complacent. But most of us were just looking forward to taking a break. We were all exhausted, still pretty tensed up from it. As you know." He glanced at me, and I knew what he was referring to.
Not now, Simon. Leave it.
Mission Dove had been the last major exercise I'd been involved in, before I… left the Project Team. It had been the most important to date, not that the Team could take any specific credit, working as it did behind the scenes. "Anonymous" was our group's directive. We were agents of a confidential cell within the Department, kept under the radar of its governmental bosses. But we all knew that one of the most significant peace talks of the last forty years had been concluded without incident, and that our small but highly specialized team had been a contributor to that success. None of us had specific job titles; flexibility was the name of our game. But our brief had included sweeping the conference sites for trouble before and after the events, monitoring communication systems that'd shame the flight deck of a jet, and tracking any potential hostility, whether from or toward the participants. We'd added our covert protection to the delegates in just as significant a way as the official security forces. It had been a damned fine time, the best work we'd ever done. Though I say so myself.
But like Simon said, we'd all suffered from the tension and weariness it brought. And some of us had let it take hold. I knew that better than all of them here today.
"Tanner?" He was staring at me. "Work with me on this, will you? You were with us on that mission. You've been with us all the way since the beginning of the Team. Look, I don't know exactly what happened when you left. But it's important to talk about that time and fully trust each other."
"Sure." My gaze met his, steady as before, and he turned back to the matter at hand.
"Well, like I said, things were calm. Then just a month ago, the attacks started. We were alerted of random sabotage at locations where the Team had been working during Dove, although obviously we'd tried to keep the whole mission under the strictest cover."
"Any idea why?"
He shook his head. "None at all. No warnings, no formal threat, no obvious connection with any other current political or military event. The strikes have all been amateurish, but dangerous nonetheless."
"How dangerous?"
"A couple of small explosive devices. A sabotaged vehicle. There's been damage to telecommunications and computer networks."
"Weird. Someone with a grievance against the talks?"
He shrugged. "There have been no further political demands since it all ended, no overt protests. But yes, at first we assumed it was part of a fresh reprisal against the event and the official mission."
I frowned. "But why did they choose those locations?" Simon had said they were where the Project Team had been working. I'd always been impressed at the way our cell was kept in the shadows of the Department. Some people used to say that even the HR section didn't know we existed, and Judith handled all our remuneration issues herself. One of those urban myths, I reckoned. "How could anyone know for certain where we'd been?"
Simon put his hand on a mug as if he were concentrating on making the tea. Both of us knew he wasn't. He was suddenly very still.
"You mean there was a leak from the Department?" No further response. "Dammit, Simon, from the Project Team itself?" A traitor sounded way too melodramatic, but wasn't that what he was implying? After all, who else would have had access to all the information?
"No! I mean… we don't know that for certain." He rolled a teaspoon back and forth between his fingers. I reckoned he'd spooned six heaps of sugar into his mug already, and I hadn't even poured the tea yet. "No one knows enough about it yet to make any assessment. Brad…." His voice faltered, but he went on, the words tumbling out more quickly. "Brad was—is—following the trail right now. He's been monitoring every communication in or out of the Team since Mission Dove was concluded. He's been checking recent logs and reissuing access protocols. If there's ever been any breach of security, he'll find it. But it takes time." Tendrils of panic flickered in his eyes; anger too. "There must be another explanation, Tanner. We're such a small team. We all know each other so well."
Or not, as the case may be. I felt a nasty little chill raising the hairs at the base of my neck. "And so you're here to check me out? Thinking it might be me?"
"Dammit, no!" He looked genuinely affronted. "Why the hell would you think that?"
I shrugged, hiding my relief. "I guess it's common knowledge I have issues with the Team. I didn't exactly get a gold watch when I left."
"You didn't give anyone enough time, one way or another." His tone was terse.
"Whatever. But I know about you all, about the missions." I wasn't sure why I was pursuing this. "I know enough about sabotage…"
"In theory, maybe." Simon was trying not to smile, although his eyes were still worried. "Remember that time you nearly blew your fingers off, helping Joe's training class?"
"Amateurish, you said. The attempts." I sounded stubborn.
"To hell with it, Tanner! We're not here to place blame. We're here to work out what to do! No one thinks it's you. I said we came here because we can trust you, didn't I?"
"Okay, okay." I'd rarely heard him so upset. "And… thanks."
He frowned and shook his head, but his expression softened.
"So tell me more. You said 'at first' you thought it was to do with Dove. There's been more since then, hasn't there?"
"Yes, there has." Simon tensed up. "Over the last couple of weeks the attacks have… changed direction. There's no mistaking the focus. They're targeting the Project operatives themselves."
"The Team members?"
"And their support staff, yes. Some of our suppliers, too, and our contacts in other governmental departments. More random attacks on property, computer viruses… some aggressive but untraceable telephone threats. All personal, all very specific."
"Those people and places are only in our files. No one else knows where we work, how we work."
Simon glared at me, his expression fierce. Like I was the one giving him this grief. "For God's sake, Tanner, don't you think we know that? But there's been barely any time to investigate how this attacker gained such information. We're too busy trying to protect ourselves!"
I held out a hand to calm him. "But that amateurish approach…."
He shook his head again. "The effect is no less devastating. And to be honest, that makes it more difficult to cope with. There's no reason to the attacks—no coherent plan we can anticipate."
"We always knew the job had risks."
"But in the course of the mission!" His expression was half anger, half distress. "This is against us personally. Something very different. And we can't assume they won't get more effective. It's all just… shocking."
Catching us unawares. The chill this time felt ugly too. "And Brad?"
Simon paled. I'd obviously struck a nerve. "He's okay… I think. I mean, he's not been attacked personally so far. But he's been working twenty-four seven on the communication trail to and from the Department, and he's out in the field now."
Huh? Simon wasn't telling me everything. It was rare for Brad Richards, our communications expert and resident geek, to work out of the Department at all. "So where is he now?"
"I don't know." The note of desolation in Simon's voice was horrible. "I need to get back and try to track him down. He hasn't called in for over eight hours. He left just before the attack last night on the Westbridge building." He glanced at me. "Judith told you what happened? Why we're here?"
"She told me the basics on the phone," I said. "Niall's apartment building blew up."
Simon flinched, and suddenly I felt the wave of emotion from him as clearly as I might see a sudden jag in a sound wave pattern. "That's an exaggeration, Tanner. The whole building didn't blow up. But it's the most significant offensive so far." His eyes narrowed with anger. "Both Niall and Joe were hurt. It would have been even worse, but luckily they were on their way out. It also seemed that some of the explosives didn't go off. Even so, Niall's apartment was all but destroyed."
And if he'd been in it….
Simon's spoon clattered noisily back on to the counter. "So now we're all on the danger list, Brad the same as I am. Joe's in the hospital under armed guard, with severe injuries to his leg. They'll only let Judith in there at the moment. And Niall's here…."
"Why?" I didn't know how else to say it, except bluntly. "Why us?"
"I don't know," Simon said. "But we'll find out."
I was shaken, despite my pathetic attempt at not caring. "And so why contact me? I've not been a part of it since Dove. I doubt I need protection or anything. There's been no threat against me."
"Whatever Judith may have said on the phone to persuade you to do this, she meant it, Tanner. About us needing you. You're the only one in such a unique position. No media exposure, very little public record, and the skill and training to vanish if you want to. Hell, you've proved it already. It took me four days and all the resources of the Department—unofficially—to track you here." He saw my startled expression, deteriorating swiftly toward anger. "Take that look off your face, Tanner, I had my orders. When the attacks first started, Judith wanted every Team member located, including you. Just in case."
It wasn't worth getting upset about, and I guess I was kind of disappointed it hadn't taken longer.
"I respect your need to get away, Tanner, but we need you now. You're the only one who can understand what's at stake, what's required. We just don't have anywhere that we're sure is totally secure any more. This place—your place—has never been anywhere near the Department's records. It just doesn't exist as far as they're concerned. You're the only one at the moment with a genuinely safe house."
"Trailer," I said, being pedantic.
He looked confused, then smiled. "Sure." His eyes ranged over the lemon-painted walls; the slightly bulging window frames. He tensed up. I don't think he'd registered much of my unusual décor before now. "Trailer. It's good, I'm sure." He sighed. "Tanner, look. I know you and Niall have… issues."
I carefully bit back the growl in my throat.
"You won't talk about it, either of you. That's your prerogative, I guess. But I have to force this on you, regardless. Even Judith has been targeted in the last week or so—"
"What the fuck?" I ignored Simon's wince. "How serious?"
He waved his hand, dismissing it. "It's okay. Just a suspicious package delivered to the Department. It never got past the front desk, let alone to hers. But it was clearly addressed to her."
"She won't tell you about it, I suspect, and she's unharmed, you can see that yourself. But we're suddenly all in danger, with no idea as to why, whether it's an organized campaign or random acts of revenge of some kind. We have to consolidate what we know and support each other. Find and isolate the threat. Then deal with it."
There was a moment of silence. I poured water from the kettle onto the tea bags with exaggerated care. "The Department is involved to the highest level, right?"
Simon was still pale. "This situation has been escalated, of course it has. But there can't be any official recognition. The Project Team was set up as a separate and secret division and that's the way we have to stay. We have to clean up our own mess, without knowing what it really is. And we need you with us, don't you understand? If this is a chance to bring you back on board…." He looked very earnest, very concerned, and I bit back an overwhelming desire to offer him whatever he needed. Simon had that effect on people; I knew why Judith relied on him so much.
"It's not going to happen," I said. I cleared my throat, just for extra emphasis.
"Why are you hiding out here, Tanner? You should have stayed. It could all have been sorted out, I'm sure. I never wanted you off the Team, you know that, don't you?"
"Sure. It's a given." I didn't meet his eyes. It hadn't been Simon's choice, whatever the circumstances. I knew exactly who to blame for my exile, self-imposed or not. "Take Judith's tea in for her, will you?"
He picked up the two mugs, looking at the random spring flowers on one and a leering kitten—mercifully faded—on the other. I could see his mental count. "What about Niall?"
"Didn't ask for anything."
"You'll want to talk to him about all this, of course—"
"I won't," I said.
His eyes blinked, rather too quickly. "It's not much to ask, Tanner. You've always been a tolerant person."
"That's where you're wrong," I said. My voice sounded hoarse. "That's where your Team speech fails, Simon. Because just now and then, I'm fucking not. I'm doing this for reasons that stick in my throat, although I'll stand by my word. But I don't have to be tolerant at all. And don't you forget it." I ignored the splash of brown liquid on the counter and the burning mug handle against my thumb. I pushed through the bead curtain and emerged back into the bubble of tension that was hovering in my meager living room.
Which was now uncomfortably full of people I'd thought I'd left behind.
It waslike one of those Mexican stand-offs. I stood, leaning against the wall nearest the kitchen, paying about as much attention to my tea as I would to weather reports on the moon. Simon sat awkwardly beside Judith on the couch, which was never the most comfortable of seats at the best of times. The fourth inhabitant of the trailer stood beside them.
Niall. Niall Sutherland, alongside the boxes he'd delivered to my home in a strange, bitter little plea for protection. His hands hung at his sides, and he didn't meet my gaze. He looked like he was frowning, but I was pretty sure that was just the way his face had settled. His mind would be busy on other things.
Simon stared at the two of us with something ominously close to despair. "We weren't followed here. We're pretty sure no one knows about this place except for us. But you must inform us at once of any strangers on the site."
I snorted. I wasn't working at the moment, so I saw most people as they came and went, but barely twenty percent of the population stayed on the park more than three days in a row. That was the nature of this place, didn't he know?
He continued, regardless. "Niall will need communication with us. I'll leave you with a cell phone for that exclusive use. It's linked to the emergency numbers for the Team we all know—and only we know."
"The numbers we never expected to use?" It had been a bit of a joke during initial training. We'd thought it was way too James Bond.
Simon ignored my sarcasm. "Niall mustn't have any other external interaction. He mustn't be seen, mustn't leave here until we give clearance."
"You want me to sit through the briefings on security again?" I thought my voice was steady enough, but Simon frowned.
"No, of course not. Don't be so damned sensitive. I know you know your job. I just wanted to stress some specific things." He wriggled on the couch and glanced over at the unnaturally still man standing beside him.
So did I. Tall, a little slimmer than I remembered, dark hair looking pretty unkempt. The shadow of a cut under his chin. My gut shuddered a little. I didn't think it was because I'd missed a couple of meals this week.
Simon glanced back and caught sight of my scowl. "Cut me some slack here, Tanner. We're all very disturbed by this. Like I said, we need to support each other." His voice was just the right side of pleading, just the right side of appealing to my better nature. He negotiated well, but of course he'd met his match in me. My better nature was snoozing in a corner, wrapped in a blanket, hibernating for the season and dreaming of Florida beaches. I think Simon could see that in my eyes. "Perhaps none of us are thinking as clearly as we should. You'll need to discuss your own arrangements with Niall, work out your own timetable. And you'll need twenty-four seven contact between the pair of you, of course, to monitor this."
That's when Niall's head jerked up, when his eyes met mine at last. His frown was reflected in the depths of his eyes.
My mouth went dry. "Twenty-four seven contact," I echoed. "I rather think that's the last thing I need. And though I'm the one you might expect to be kind of prickly, I'm guessing your colleague feels much the same way."
Simon stood, rather abruptly. He looked from me to Niall, and then back at me. His shoulders tensed. Guess he recognized the daggers drawn in two sets of dark pupils. I think I saw Judith's hand stretch out slightly, as if to hold him back. I did notice that he hadn't drunk a whole lot of his tea.
His next words were bitter. "Okay, so maybe I wanted this to work just a little too much. But look at the pair of you! What the hell made me think that it would?"
I turned my head away, losing eye contact with all of them, trying to tune him out. He made me feel ashamed, I'd admit it. A brat. But I was in no mood today for Simon Wagner, the Project Team's man who "got things done." Couldn't he see that?
But he didn't let up. "Dear God, you're glaring like gladiators at each other. As if there's a danger you'll kill each other before any enemy has the time to track you down!"
And then Judith Harrington herself pitched in. The slender, elegantly attractive, dark blonde woman who currently sat on my couch and sipped at a stale tea, more bitter than my shriveled emotions. A woman with a black belt in martial arts, which no one would ever guess from her quiet, controlled attitude, unless perhaps they were on the receiving end. The keenest brain that had ever thrashed me at chess, and the woman I'd listened to—been directed by—for a long and very interesting time. The woman I'd been surprised to see here today, in person. Guess that's what made me realize this whole damned farce was real.
Her voice was sharp, and the reproof was aimed at me. "Tanner MacKay, I don't want to have to pull rank, but I will if I have to. This is for the good of the Team, not individuals, do you hear me? I've worked damned hard to get what support I can, and I won't let something like this close us down. This directive has been unofficially sanctioned by certain sympathetic channels in the Department, and if you want any chance of ever working in the field again—in any capacity—you'll do your very best to cooperate and keep Niall Sutherland safe. Do you understand?"
There was a sudden, awkward pause. You could've heard the last drop of condensation drip down in the kitchen on to the linoleum.
"Okay," I said, slowly. "No problem. I understand all too well. I'm not aware that you—of all people—ever had any problems with plain speaking." We both knew the insouciance was a ploy of mine, to play for time, to retain my dignity. I was actually quite shaken by her vehemence. Judith's management of us had always been calm and reasonably voiced. "But you are asking me to put my home on the line, right? To come out of my quiet, anonymous little world—to offer it back to your organization, with all the risk that currently seems to attract."
"You're still officially an employee of the Project Team," she snapped.
"And still on suspension, right?" I fired back. "Still on much-reduced pay and benefits, right?"
Her eyes grew darker and she flushed. "It was your choice, MacKay. We could've discussed the financial implications. But as far as I remember, you told me to shove the benefits up my ass and twist them hard. Next I knew, your address was 'gone away'. And yes, you're still on suspension, though that's open to final review in a couple of weeks' time." She caught my angry gaze and held it fearlessly for a moment. Then gradually, her expression softened. "If you'd given me a chance, Tanner, I would have told you to stay and see it out. You just weren't listening to me at the time."
I didn't want her pity. I had my own, right? But Judith had always been a damned good friend to me.
"Tanner, I know it was tough for you back then, but this is what we have to do, now. And we need you to help. We can look at this as a partial return to active duty, if that's what you want, and we'll review the salary issue. If you can work with us here…."
"You're not the one I'm sharing my personal space with, here," I grunted.
Simon laid a hand on my arm. It was a shock, being touched like that. He'd always enjoyed the friendship in the Team, the banter. The comradeship. Maybe I'd missed that, the past few months. But I didn't think I was in any mood to debate it either way.
"Tanner, it's obvious this is difficult for you. But like Judith says, we need your help! We can't trust any other Departmental locations at the moment. Joe's in hospital and Brad is isolated, out in the field with no support. Judith has junior staff with very justifiable fear of stepping outside their front doors and the Department watching our every move from the safety of their plush governmental offices, wondering and waiting to see if this brings us down. We must stop this, and fast. All the good work we've done in the Project Team so far—we must protect that, as well as ourselves." I could hear the urgency in his voice. "Niall has nothing left and nowhere to go! He needs you, Tanner."
He's going to love that summary of his situation, of his life. The pressure from Simon's warm hand was very unnerving. Once upon a long time ago, I'd been as committed to the job as he had. You hear that, Niall? Apparently you have nothing left! Except this….
Except me.
And so I turned back to face my new houseguest. Niall Sutherland. Man with the boxes, man with the need for my home.
Niall. The man I'd crossed state to avoid; whose proximity promised nothing now except contempt; the man I once said I didn't want to see again until hell proverbially froze over, let alone offer a mug of tea.
And he was staying in my home.
72 Hours is written like a diary with the time marching by for us to see. Suspense built with the danger they faced to both their lives and their hearts. Claire London will have you burning the midnight oil to finish this book as you will not want to put it down. She increases the pleasure as she masterfully draws out the plot to keep us hooked. Read the full review.
This was an amazing heart pounding thriller, that once I started, I had to read through as much as I could to see what would happen. On that basis alone, it was a great book, but it is so much more. It's also a heart wrenching love story about misunderstandings and learning how to love someone that would have also been a fantastic book on it's own merits. Now combine the two and you get this suspenseful thriller with interesting characters and a wonderful love story to boot. Why are you still reading this review? Go now and get this book! Read the full review
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Secrets of Better Photography is a hands-on course for beginning and emerging photographers, as well as those transitioning from traditional to digital photography. You'll learn how to take better pictures by understanding how different types of cameras work, including SLRs, and getting to know each of the features your camera offers.
With each lesson you'll have an assignment to put the course work into your hands and throughout the class, you'll have the opportunity to have your images critiqued by your classmates and the teaching team. We'll cover digital equipment from point-and-shoot cameras to digital SLRs, lighting, compositional tips and tricks, as well as ways to work with people and pets for great portraits! You'll explore photojournalism, still-life photography, a few digital editing tools, as well as manual settings for dynamic exposure. With step-by-step explanations and lots of examples, you'll see how to take your camera out of automatic mode with terrific results. You may be surprised at what f/stops. aperture settings, and shutter speed can do for you! We'll explain terms like depth of field, and frozen action and show you how to use your camera to get shots like the pros.
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RSA vs IND- Live
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India vs England
5th ODI | January 27, 2013, England tour of India 2012-13
Photo Gallery Index
Discussion thread.
Pictures in the Gallery
Cook wins the toss
Alastair Cook won the toss and had no hesitation in choosing to bowl first
Rohit Sharma falls early
Last match hero, Rohit Sharma was sent packing very early by Tim Bresnan for just 4
Bresnan makes it two in two
Tim Bresnan struck twice in two balls as Virat Kohli succumbed for a first ball duck to leave India tottering at 13/2.
Yuvraj falls as India stutter
Yuvraj Singh was dismissed by Steven Finn for a duck as India crumbled to 24/3.
Raina completes 4K ODI runs
Raina became the 13th Indian batsman to go past 4000 ODI runs when he reached 15.
Gautam falls as India slump further
Gambhir got off to a start once again but failed to convert it into a bigger innings as India slumped to 49/4
Dhoni falls and India slid further
Mahendra Singh Dhoni failed to stop the slide as he was dismissed for just 15, trapped LBW by Steve Finn
Raina, Jadeja consolidate
Suresh Raina continued to remain positive while Jadeja took his time to settle down as the duo pushed India out of choppy waters.
Raina completes his fifty
Suresh Raina continued to revel in his recent good form, he went on to score his 28th ODI fifty.
Jadeja, the ideal foil
The south-paw mixed caution with aggression as he combined with Raina to pull India out of the woods.
Tredwell breaks threatening stand
James Tredwell spun Jadeja out for 39, ending a 78 run 6th wicket stand as India slipped to 157/6.
Raina misses out on a ton
Suresh Raina looked very good before being dismissed off Woakes for 83. India were reduced to 177/7.
Ashwin, Bhuvaneshwar add vital runs
Late order contributions from Ashwin and Bhuvaneshwar Kumar helped India go past the 200 mark
Late hitting boosts India to 226
A fine cameo from Bhuvaneshwar Kumar helped India post a reasonable 226 on the board. Bresnan ended up with 4 wickets.
Scratchy Cook ensures solid start
Alastair Cook looked scratchy for most part of the early overs but ensured that his team did not lose early wickets.
Composed Bell provides fine support
Ian Bell looked composed and determined for a big knock as the duo added 53 runs for the 1st wicket.
Ishant breaks opening stand
Ishant Sharma provided the first wicket for India by dismissing Cook for 22.
Magical Jadeja cuts KP short
Jadeja came up with an excellent running catch as Kevin Pietersen was dismissed for just 6. The visitors slid to 64/2.
Root continues his good run
Joe Root continued to impress on the Indian tour as he and Bell set about stalling India. he was dismissed by Jadeja after a fine knock of 31.
Bell century seals it for England
Ian Bell hit a superb unbeaten 113 to help England cruise home by a comfortable 7 wicket margin. India won the series 3-2.
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James P. Marcin, M.D., M.P.H.
Clinical Interests
Center/Program Affiliation:
2315 Stockton Blvd.
Sacramento, CA 95617
Driving Directions
Phone: 800-282-3284
Additional Phone:
B.S., UC San Diego, La Jolla, California, 1988
George Washington University, Washington, District of Columbia, 1995-98
Board Certifications:
American Board of Pediatrics, 1995
American Board of Pediatrics, Critical Care Medicine, 1999
Professional Memberships:
American Medical Association
American Telemedicine Association
International Physicians for the Prevention of Nuclear War
Physicians for Social Responsibility
Society for Critical Care Medicine
Honors and Awards:
UC Davis School of Medicine, Dean's Team Award for Excellence in Community Engagement, 2011
American Telemedicine Association Special Interest Group and Chapter Achievement Award (Pediatrics), 15th Annual International Meeting and Exposition, San Antonio, TX, 2010
ACCM Convocation/SCCM Award for Innovation using Family Link, 2008
Eli Gold Prize for Outstanding Contributions to the Department of Pediatrics and School of Medicine, 2008
America's Top Pediatricians, "Guide to America's Top Pediatricians, 2008", 2008
American Telemedicine Association 2008 People's Choice Award for "Family-Link: Connecting Critically Ill Patients with Their Families", 2008
Select Recent Publications:
Leigh JP, Marcin JP. Workers' compensation benefits and shifting costs for occupational injury and illness. J Occup Environ Med. 2012 Apr;54(4):445-50.
Marcin JP, Kuppermann N, Tancredi DJ, Glaser NS. Insulin administration for treatment of pediatric diabetic ketoacidosis: are lower rates of infusion beneficial? Pediatr Crit Care Med. 2011 Mar;12(2):217-9.
Natale JE, Joseph JG, Honomichl RD, Bazanni LG, Kagawa KJ, Marcin JP. Benchmarking, public reporting, and pay-for-performance: A mixed-methods survey of California pediatric intensive care unit medical directors. Pediatr Crit Care Med. 2011 Nov;12(6):e225-32.
Parsapour K, Kon AA, Dharmar M, McCarthy AK, Yang HH, Smith AC, Carpenter J, Sadorra CK, Farbstein AD, Hojman NM, Wold GL, Marcin JP. Connecting hospitalized patients with their families: case series and commentary. Int J Telemed Appl. 2011;2011:804254. Epub 2011 Oct 23.
Romano PS, Marcin JP, Dai JJ, Yang XD, Kravitz RL, Rocke DM, Dharmar M, Li Z. Impact of public reporting of coronary artery bypass graft surgery performance data on market share, mortality, and patient selection. Med Care. 2011 Dec;49(12):1118-25.
Gerich ME, Quiros JA, Marcin JP, Tennyson L, Henthorn M, Prindiville TP. A prospective evaluation of the impact of allopurinol in pediatric and adult IBD patients with preferential metabolism of 6-mercaptopurine to 6-methylmercaptopurine. J Crohns Colitis. 2010 Nov;4(5):546-52. Epub 2010 May 26.
Li Z, Carlisle DM, Marcin JP, Castellanos LR, Romano PS, Young JN, Amsterdam EA. Impact of public reporting on access to coronary artery bypass surgery: the California Outcomes Reporting Program. Ann Thorac Surg. 2010 Apr;89(4):1131-8.
Kon AA, Rich B, Sadorra C, Marcin JP. Complex bioethics consultation in rural hospitals: using telemedicine to bring academic bioethicists into outlying communities. J Telemed Telecare. 2009; 15(5):264-7.
Kanter RK, Andrake JS, Boeing NM, Callahan J, Cooper A, lopez-Dwyer CA, Marcin JP, Odetola Fa, Ryan AE, Temdrup TE, Tobin JR. Developing consensus on appropriate standards of disaster care for children.Disaster Med Public Health Prep. 2009 Mar; 3(1):27-32.
Dharmar M, Marcin JP. A picture is worth a thousand words: critical care consultations to emergency departments using telemedicine. Pediatr Crit Care Med. 2009 Sep; 10(5):606-7.
Dharmar M, Smith AC, Armfield NR, Trujano J, Sadorra C, Marcin JP. Telemedicine for children in need of intensive care. Pediatr Ann. 2009 Oct;38(10):562-6.


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//Recycle and Upcycle for Cash (ep 61)
What's an easy way to make money? Use what you already have! Whether you want to recycle for cash, or upcycle and sell stuff online, we have the hints and tips you'll need.
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Bob Clewell (3:35)
Bob Clewell dropped out of college to join the Army, and arrive in Vietnam just weeks after the Gulf of Tonkin incident in 1964. During his third tour, he was trained as a helicopter pilot, providing air support for ground troops during the Lam Son 719 offensive.
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Bob Clewell
Bob ClewellVideo Clip (3:35)
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Bob Clewell dropped out of college to join the Army, and arrive in Vietnam just weeks after the Gulf of Tonkin incident in 1964. During his third tour, he was trained as a helicopter pilot, providing air support for ground troops during the Lam Son 719 offensive.
Tet Offensive
Tet OffensiveVideo Clip (4:53)
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This massive North Vietnamese surprise attack during the 1968 Tet holiday was a crucial turning point in the war.
A Soldier's Story: Khe Sanh
A Soldier's Story: Khe SanhVideo Clip (3:06)
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Amid a siege that would last 77 days, medic Raymond Torres was dropped into central Vietnam.
A Soldier's Story: Hamburger Hill
A Soldier's Story: Hamburger HillVideo Clip (4:41)
Video Clip (4:41)
In 1969, Arthur Wiknik found himself in one of the Vietnam War's most notorious battles.
On Patrol
On PatrolVideo Clip (4:14)
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In the field, many soldiers spent their time on patrol, seeking out communist forces, and avoiding lethal booby traps.
Anne Purcell
Anne PurcellVideo Clip (3:57)
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As a military wife, Anne Purcell had already sent her husband off to war once before, in Korea. But less than six months after her husband Ben volunteered for Vietnam, he was reported "missing in action."
Charles Brown
Charles BrownVideo Clip (3:07)
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Raised in the segregated South, Charles Brown thought his best shot at a better life was to join the Army. He was stationed with the 101st Airborne Division and quickly appointed platoon sergeant, leading search and destroy missions through the jungles of Vietnam.
The Seawolves
The SeawolvesVideo Clip (4:56)
Video Clip (4:56)
A surprise phone call reunites two Vietnam war veterans, George Heady and Al Billings, with films of their service in the Navy Seawolves helicopter unit.
Elizabeth Allen
Elizabeth AllenVideo Clip (3:11)
Video Clip (3:11)
Psychiatric nurse Elizabeth Allen volunteered for the Army and requested frontline duty in Vietnam.
Barry Romo
Barry RomoVideo Clip (3:24)
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Fresh out of high school, Barry Romo enlisted in the U.S. Army to serve in Vietnam. Romo was awarded a bronze star for his efforts but grew disillusioned with the war and later joined a controversial group called Vietnam Veterans Against the War.
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in the summer of 1968, Donald Devore was drafted and sent off to basic training. Devore was assigned to an artillery unit in Vietnam and after four months, was granted leave to attend the birth of his first child.
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Air Force pilot Keith Connolly was among the first USAF units to be stationed within South Vietnam. During his second tour, he flew F-4 Phantoms targeting the Ho Chi Minh Trail and witnessed two of his men go missing after his plane had been hit.
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text: Which is worse: receiving a performance review, or giving one? At least with the latter you have some control. When you're the one conducting the review, try doing these three things to make it a productive experience. Set expectations early. Make employee-evaluation practices clear at the beginning of the year with individual performance planning sessions. .. read more


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Time: July 5, 2012 from 5:30pm to 8pm
Location: Downtown Comics Westside
Event Type: heroclix, tournament
Organized By: Hosssmash
Latest Activity: Jun 23, 2012
15% off of all heroclix products during the tournament.
$5 fee to go to prize support.
300 pt Silver Age constructed event.
Prize is TBA LE
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text:
The Groundwork of Giving
Philanthropists come in all shapes and sizes
Culture shock surely must have hit young bride Jane Heard Clinton not long after her arrival to "Tulsee town" in the final years of the 19th century.
Her genteel Georgia upbringing no doubt clashed with the rough-and-tumble setting of Tulsa's early years.
Yet Clinton, wife of Dr. Fred Clinton, made her mark on Tulsa in the next few decades through a spirit of giving that suffused various clubs she helped create, said Michelle Place, executive director for the Tulsa Historical Society and Museum.
The Ruskin Art Club "provided shoes for children who didn't have any," Place said; the Tuesday Book Club "decided that a library was needed, so they raised funds to establish one in the old courthouse," she added.
Modern giving now often involves foundations and trusts, with at times transformative effects (See "Big Gifts," p. 17). The number and size of such organizations (See "The Big List," p. 18) shows a large -- and diverse - commitment to philanthropy, but such efforts aren't exactly without precedent.
The discovery of oil near Tulsa led to fortune for Thomas Gilcrease, who founded Gilcrease Oil Company in 1922. But proof of his generosity exists in the form of the Gilcrease Museum, essentially founded as a collection of Gilcrease's private art collection, yet handed over as a gift to the city. Similarly, the Philbrook Museum was created when Waite Phillips -- of Phillips Petroleum fame -- donated his estate to Tulsa.
File Photo |
Another oil man, William G. Skelly, was once famously declared by the Oklahoma Legislature to be "Tulsa's greatest asset," earning the title through devotion to civic and charitable causes. He led the drive to purchase land for what would become Tulsa Municipal Airport and helped fund the TU football stadium. His generosity also comes through daily to listeners of KWGS 89.5 FM, TU's radio station. The station, funded by Skelly, has provided countless hours of entertainment and news since its foundation in 1947.
Tulsa's prominent families have been among the most generous. Joe LaFortune, who arrived in Tulsa after serving as a soldier in World War I, helped establish LaFortune Park and supported Memorial High School, TU, and prep school Cascia Hall, according to the Oklahoma Heritage Association. His son, former Mayor Robert LaFortune, led the city during the 1970s and also spearheaded the fundraising charge to build Tulsa's Performing Arts Center, among other philanthropic efforts, according to the University of Tulsa, which honored him in 2007 as an outstanding entrepreneur.
The Lorton family has operated the Tulsa World newspaper since 1917, and Eugene Lorton, who died in 1949, was an important business leader in the creation of the Spavinaw Lake project to provide a much-needed water supply for Tulsa. (Interestingly, he sparred with Charles Page, well-known for establishing homes for widows and orphans in addition to founding the town of Sand Springs; Page also owned newspapers, and the two had a legendary feud.) The World's current publisher, Robert "Bob" Lorton, and his wife, Roxana Rozsa Lorton, have donated heavily to the arts and to TU.
William K. Warren arrived in Tulsa in 1916, using bootstrap funding to start the Warren Petroleum Company. If wealth followed, so too did a desire to help his community, and Warren founded what is now the Saint Francis Health System. He also started a foundation bearing his name that is one of the oldest such entities in Tulsa.
In this way, giving became more structured, with foundations and trusts the norm. For example, the Chapman trusts devote millions to very specific causes. James A. Chapman -- described by the Oklahoma Historical Society as one of the state's "leading entrepreneurs" in the first half of the 20th century -- was considered one of the nation's wealthiest men before his death in 1966.
Now 13 trusts in the names of various family members make donations to sets of beneficiaries, which notably include the University of Tulsa.
The biggest name today in Tulsa giving is probably the George Kaiser Family Foundation. The foundation -- created by Kaiser, whose billions in wealth have been amassed in the oil and banking industries -- works with partners to improve seemingly intractable societal ills, like poverty.
As far as the inspiration to give, Ken Levit, the foundation's executive director, noted that George Kaiser's family fled Nazi-era Germany, "and Tulsa welcomed them here and provided a good home and community, and thus just there's the basic idea of giving back to the community."
The foundation has only been around since the late 1990s. Yet it is by far the largest individual private foundation in Tulsa, with assets totaling more than $4 billion. Its approach has been to establish partners who receive millions in support, such as the Community Action Project of Tulsa County, though the foundation funds park projects and helps women convicted of non-violent drug crimes, among several other well-coordinated projects.
The Kaiser Foundation formally exists to support the Tulsa Community Foundation. For donors giving to multiple charities, the Community Foundation offers many reasons for them to establish a foundation fund rather than give to a nonprofit directly, said Phil Lakin, Jr., the Community Foundation's chief executive officer.
Donors may want to give a large gift, but do so over a long time period, he said. With the foundation, donors can choose a variety of investment options to grow the money -- and the gift.
"Some people give us pretty substantial sums of money," Lakin said. Through the foundation, they get a quick tax deduction don't have to inundate a charitable organization with funds all at once, he said. The foundation also simplifies giving for people interested in making gifts to multiple charities, Lakin said.
"Our job is to manage and disburse philanthropic funds, and so that's what we're in the business of doing," Lakin said.
Phil Haney, a local attorney who focuses on helping nonprofits as well as foundations, said some large cities have multiple community foundations. If combined, these foundations in other cities would eclipse the asset totals of the Tulsa Community Foundation, he said.
ORAL ROBERTS UNIVERSITY File Photo |
Its existence has definitely intensified the local spotlight on giving, however, Haney said. "That has encouraged giving that may not have existed before the start of the Tulsa Community Foundation," he said. Haney teaches a course on philanthropy at the University of Tulsa, and said Tulsa ranks highly in terms of giving on a per capita basis.
Lakin and Haney each stressed that Tulsa has a broad commitment to giving as a community. Lakin said the community foundation has trademarked the phrase "America's Most Generous City." For example, on Nov. 8, the Tulsa Area United Way will once again celebrate a successful fundraising drive. Last year, contributions from more than 1,500 participating companies and organizations and more than 50,000 individuals resulted in $24.7 million raised, with money distributed to various community charities.
"I think it perfectly describes what we have in Tulsa," Lakin said.
URL for this story: http://www.urbantulsa.comhttp://www.urbantulsa.com/gyrobase/Content?oid=oid%3A53881


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Jef Holm: The Bachelorette
The time has come to travel across the hills and valleys of Bachelor Nation to a beautiful place where chambray shirts roam free, Fjällräven backpacks troll the streets, and… more »
It's true, Bachelor Nation: Emily Maynard is a woman in love again! Just don't expect to hear it from her. So far, she's been very reluctant to talk about boyfriend Tyler… more »
Don't make poor Emily Maynard sleep naked alone!
The gorgeous Season 8 Bachelorette just tweeted a last call for anyone wanting to join her in a good cause. "Last day to … more »


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CAS «The Art of Conflict Transformation» at Campus Muristalden
January 11, 2014 to January 11, 2015
Conflict transformation and mediation are of growing importance as a tool to tackle conflicts and…See More
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AmyClaeys - January 31, 2012 at 12:47 PM
Cutest couple I've EVER seen on this site.
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Party pics: Winter Beer Fest 2012 at the ROMT
With fans thirsting for more, the Winter Beer Fest at the Royal Oak Music Theatre was back for its third year in a row. Boasting more than 80 craft beers, the packed theatre included both local and non-local craft beer, brew-inspired eats and good beats. A portion of the proceeds went to benefit Camp Casey, a non-profit horseback riding program for children with cancer.


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June 19, 2006
Mike Farrell Rivals.com Football Recruiting
Charlottesville (Va.) St. Anne's Belfield tight end Brian Linthicum took a half dozen unofficial visits and camps in the last two weeks. The 6-foot-4, 217-pounder came away from the trips with a better idea of each of the schools. ...More... To continue reading this article you must be a member. Sign Up Now for a FREE Trial
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The scoreboard operator could barely keep up during last Friday's record-breaking high school football game at Demaree Stadium in Merrillville. The host Merrillville Pirates defeated the Valparaiso Vikings by a final score of 66-41. The game included 15 touchdowns and one field goal. There were 43 first downs, 644 rushing yards and 585 passing yards between the two teams. The two teams also set a new state record for total yards in game with 1,229. Merrillville is now 6-1 on the season and leading the Duneland Conference. Valparaiso is now 2-5 on the season.
LAURA WALUSZKO Region News Team |
SCOTT ROSENBERG Region News Team |
BRENT BROWN Region News Team |
JAY STEVENS Region News Team |
KARL BERNER Region News Team |
ANNIE FOX Region News Team |
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Get Fieldrunners 2 for iPhone and iPod touch, iPad, Steam/PC or Android!
Thanks for stopping by the official website for Subatomic Studios LLC. We are a small game studio that believes in creating high quality games that are big on fun! Subatomic Studios initially released Fieldrunners for iOS in 2008 and recently launched the sequel, Fieldrunners 2, for iPhone and iPod Touch on July 19th, 2012, as well as Fieldrunners 2 HD for iPad in September, 2012. Fieldrunners 2 for PC launched on Steam in January 2013, followed by Fieldrunners 2 for Android in April 2013.
We love hearing from fans of our games, so feel free to contact us!
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Oct 7, 2013Blowout Sale for the 5 Year Anniversary of Fieldrunners!
This week is the 5 Year Anniversary of when we first launched Fieldrunners! To celebrate, we've put versions of Fieldrunners and Fieldrunners 2 on sale. The sale will only last a few days, so be sure to grab copies now! …


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Dntel returns with Aimlessness
rufiohwroteMon, 09 Jul 2012LOL.
coolcamjamwroteWed, 20 Jun 2012This review is indeed a joke. From the start, he gave it the same score as P4k (5/10), which makes me think that he's trying to be cool and provocative with an overly-critical opinion. Problem is, RA is much more of a supportive music community than a cutthroat, buzz band churning tastemaker. This being the case, shelling out a 50% rating here equates to a lot harsher of an opinion. Based on typical RA ratings, I think this album deserves a 4 (and no lower than a 3.5). Leaving behind all... More
Emmanuel-wroteTue, 19 Jun 20122,5 ? what you listen to aaron? justin bieber or something?
disconectwroteMon, 18 Jun 2012Good Music
duelwroteSun, 17 Jun 2012I love the track 'Still' & 'Puma' is great too, reminds me off Kreidler's 'Circulus'. It was going to be difficult for anyone to top Robag's flawless album for Pampa! Koze album next please
user-deletedwroteFri, 15 Jun 2012OHHHH LOL i was looking forward to hearing this but well if even RA thinks it sucks it probably really does suck
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2 Day Designs Lazy Susan
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2 Day Designs Lazy Susan
Add unique style and ease to your next dinner party with the 2 Day Designs Lazy Susan (WV111P, WV111R, WV111W, WV111O, WV111B, WV111C, WV111F). Twenty inches in diameter, the Lazy Susan has plenty of space to serve all your favorite dishes and appetizers from. The Lazy Susan rests off of the surface of your table to avoid any scratches, and operates on a strong ball bearing mechanism that allows the top to swivel smoothly. Made from a recycled white oak wine barrel, this piece is truly unique and striking. 2 Day Designs products are environmentally conscious and made from repurposed wood right here in the USA.
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The solid wood 2 Day Designs Lazy Susan is sanded down and stained by handMade In America:
All 2 Day Designs products are made in and ship from the U.S.
- Model: WV111P, WV111R, WV111W, WV111O, WV111B, WV111C, WV111F
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It's a scam police want you to know about: a Lantana man preying on your sympathy to get into your pocketbook. But he says police have it all wrong.
Boynton Beach police have arrested Michael Trotman, 39, four times in the last month. Police say he stands on the corner of Interstate 95 and Gateway Boulevard, pretends to be homeless and asks for money. Police say, in reality, Trotman lives in a home in Lantana.
"He gave us his address," Boynton Beach police spokeswoman Stephanie Slater says.
According to police, Trotman brags about his scam each time they arrest him. Arrest reports show him telling officers he makes "sixty bucks in thirty minutes." He's also quoted as saying it's "good business" to fake homelessness and that he doesn't care if police keep arresting him because he would be "back at it tomorrow with a free bus pass from the county jail."
But police insist they will keep arresting him until the public is aware of his scam.
"As long as he continues to violate the city ordinance and make these false statements to scam people out of their money, we will continue to take him to jail," Slater says.
In a telephone conversation, Trotman denied any wrongdoing. He insisted he is a homeless veteran, though he admits he is not technically homeless right now since a friend is allowing him and his family to stay in his house. He says all the quotes from the police reports are false and he plans to soon file a lawsuit against Boynton Beach for harassing him.
Trotman declined a request for an on-camera interview with WPBF 25 News, saying he wants to speak to an attorney first.
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You're watching...
Debate over spending rate under Obama
President's role in current U.S. deficit
May 24, 2012
You're watching...
President's role in current U.S. deficit
May 24, 2012
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And the national debt big topics of course in the 2012 campaign as his energy green energy and investment.
The two collided today is a battle of the Obama administration spending levels played out chief national correspondent Jim Angle has more.
President Obama has rolled out a new and novel explanation on deficit spending to which he's -- a trillion dollars a year.
By saying it's not his fault.
My opponents won't -- it.
Because it it runs contrary to I guess the only -- the bad.
But since I've -- brother.
Federal spending has actually risen at the lowest -- And nearly sixty years the White House are you spending under President Obama has only increased one point 4% which is hotly disputed.
The only way mr.
Obama can claim that is to start from a base of bloated federal spending.
Including one time emergencies such as the bank bailouts the rescue federal housing agencies alike.
And put all that all the Bush Administration.
If you play fair -- an apples to apples comparison of what President Obama owns vs what George Bush left behind.
Because it 8% a year on average not one point 48%.
President Bush signed those emergency measures in the law and President Obama continued them.
In 2009 though mr.
Obama pass -- stimulus bill of almost 900 billion dollars.
Which he's admitted didn't work very well -- which is candidates part of President Bush's spending.
The stimulus was incredibly expensive and obviously.
I contribute -- significant growth in government if you don't include those numbers you're not going to be telling a full picture of how much spending has been done under -- president's charm.
The president and entered office knowing the -- the economy and pledging to do far more about the deficit I'm still committed to halving the deficit.
We inherited by the end of my first are cutting it -- half when he took office total debt was about ten trillion dollars before the end of this year it'll hit sixteen trillion.
What President Obama came into office it was still below 60% of GDP and by the end of this term it's gonna be about 70% of GDP.
On the current course by the end of the decade it could easily be at 90% of GDP.
In spite of that the president was in Iowa today calling for congress to pass a number of additional stimulus items including more subsidies for wind power a local industry.
I'm calling on congress.
To extend -- tax credits.
That are set to expire at the end of the year.
For clean energy companies like TPI.
And mr.
Obama also wants to increase federal spending over the next decade by an average of four and a half percent a year his budget for the coming years which was defeated in the senate 99 to zero.
Would have driven -- even higher.
Would increase that debt from fifteen to twenty trillion dollars so go up again by another 25%.
In his recent meetings with the European leaders the president was arguing against austerity meaning tight -- spending policies.
But now true or not he seems to be arguing that is one of the trademarks of his presidency.
-- Fact checking Jim thank you the space X dragging.
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You're watching...
ObamaCare mandate delay: It's all about 2014
President Obama's decision to push back key provisions of his signature healthcare law is all about the midterm election chess game
Jul 3, 2013
Rep. Aaron Schock
You're watching...
President Obama's decision to push back key provisions of his signature healthcare law is all about the midterm election chess game
Jul 3, 2013
Rep. Aaron Schock
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Well foreign policies in -- now back here at home domestic policy kind of the -- to.
Obama care hitting its biggest roadblock yet last night the Obama administration announcing a one year delay in a key part of the health care a lot.
Now large businesses won't face fines for not providing employee coverage -- -- when he fifteen.
That's after.
The mid term elections conveniently Republican congressman Aaron shock joins us.
Our congressman shocked the house has passed a number of repeal bills -- year.
This seems like a Smart strategy even though it's a pretty sneaky strategy by the administration what's the plan now for the Republican Party.
Well we're gonna continue to press the Obama administration.
To try and not just -- a a one year repeal of this -- -- one year.
Pause that really a permanent one.
We've been saying all along this bill has been flawed from the beginning -- Nancy Pelosi said they had to pass -- to find out what was and it and what we found out since it was passes that.
It's a bad bill it's a flawed bill and even this administration.
With three years to implement it is failing to do -- -- after they have told congress.
That they were gonna implemented on schedule that everything was in order just a couple of months ago.
-- Kathleen Sebelius came before the Ways and Means Committee that I serve on and said with a straight face to congress.
We're on schedule we're gonna hit the mark were implement this thing on schedule and not two months later.
It's like deja Vu.
What we told you two months ago isn't isn't the truth.
-- and -- the back pedal on our words.
And we can't deliver on the promises we made to the country the American people -- as far as the house Republicans -- we think there's a better way we think we got a pass.
Health care law that's patient centered.
It is -- a mountain attacks in burden on small businesses and it is big business is all over the country and if if there's a silver lining in the announcement it's that.
We get a reprieve for these businesses that we're struggling with how to implement the law the bad news is if your normal every -- American citizen.
They're not putting a pause for you they're not giving a holiday for its implementation they're going full bore ahead.
And requiring that taxes the penalty and the mandate on individuals.
But not on big business -- kind of tells you something about what's how Washington DC is run and four.
Does that mean for individuals now the businesses get a bit of a break but it's still going to be bad when it eventually does take effect but what does it mean.
For individuals looking for health care because the individual mandate still stands.
Well couple things first it says that there's a double standard in Washington that says -- a -- individuals to a different law then we are to businesses.
-- which obviously flies in the face of that the purpose of the law second.
The whole argument the Democrats are making about -- -- if we shove everybody into the pool.
Rich people poor people old people young people big businesses small businesses.
Will make it less expensive for everybody that was there argument well when you take out of the pool.
Of exchanges and out of obamacare.
80% of the American population.
Which gets their health insurance from the employer.
And you say we're only you know putting in obamacare only put the people and obamacare who -- individuals.
-- -- gonna be more expensive it's gonna be people with preexisting condition is there are people who for whatever reason couldn't afford health insurance on their own.
And so it's gonna make the law and comply with a law that much more expensive but the penalty in the -- that much greater.
A bunch of sick people signing up in the system.
That's going to be very very costly congressman thanks so much good to be with you happy fourth of July --
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You must earn 10,000 points to post other members' whiteboard
I'm happy you liked it, Dot.
Thank you kindly for noting my palindrome and getting a shiny reed sedan. Always adore your avatar.
Time flies when you're having fun. Lol... Snow tonight, here. First of the season. Crazies will be out tomorrow morning in force! Lol...
Over 7 years of straight posting on gasbuddy! Quite an accomplishment! And a very happy Veteran's Day to our Vets!
yes $7000 OVER MY GOAL
awesome to see my friends still around
Oh Yeah ! ;-)
hey whats goin on up in hear ?????;-)


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Pre-Wedding Etiquette Q&A
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URGENT - Vatican Pope Tweet
Published 5:51 AM EST Dec 12, 2012
(CNN) -- Pope Benedict XVI posted his first message to the social media service Twitter Wednesday under his confirmed handle @Pontifex: "Dear friends, I am pleased to get in touch with you through Twitter. Thank you for your generous response. I bless all of you from my heart."
Copyright 2012 by CNN NewSource. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Bill Callahan On World Cafe
WXPNDuring his visit to WXPN's studios, the indie singer-songwriter performs songs from his latest record, Dream River. Download a live version of his drum-flecked, psychedelic "Javelin Unlanding."
World Cafe Next: Dott
WXPNHear two tracks from the Irish band's infectious debut Swoon when you download this week's podcast.
Vintage Cafe: Andrew Bird
WXPNWielding many instruments and a remarkable whistling ability, Bird has developed an offbeat marriage of classical and pop music over the course of his decade-long career. Hear the relentlessly inventive singer-songwriter perform songs from Noble Beast in this archived session from 2009.
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The Head And The Heart On World Cafe
WXPNThe Seattle band plays an enchanting set in front of an enthusiastic audience at World Cafe Live in Philadelphia. Between songs, singer Jonathan Russell engages in an introspective discussion with World Cafe's Michaela Majoun.
Ray Davies On World Cafe
WXPNThe British rock legend visits the WXPN studio to discuss his new memoir, Americana: The Kinks, The Riff, The Road: The Story.
Man Man On World Cafe
WXPNThe experimental band plays a funky, whimsical set live in Philadelphia for a special episode of World Cafe. Lead vocalist and songwriter Honus Honus also offers insight into the inspiration behind this year's On Oni Pond, as well as the darker 2011 album Life Fantastic.
Superchunk On World Cafe
WXPNThe North Carolina band plays songs from the provocatively titled I Hate Music, recorded live in the studio. In a discussion with host David Dye, frontman Mac McCaughan reveals some of the fan favorites from the new record.
Mike Doughty On World Cafe
WXPNThe former Soul Coughing frontman talks with host David Dye about why his years with the band were some of his darkest moments in life. He also plays a set of revamped Soul Coughing songs.
World Cafe Next: Courtney Barnett
WXPNHear two songs from the Australian singer-guitarist — including her breakthrough, "Avant Gardener."
Vintage Cafe: Yusuf Islam
WXPNThe former Cat Stevens returned to the world of popular music with 2006's An Other Cup, his first secular studio album in 28 years. The disc contains old songs that were never recorded, songs he wrote in the last couple of years, and songs that he came up with once he reached the studio. Hear the musician perform four tracks from the record in this archived session from 2007.