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1878-07-26; Clare County Press
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-*£* v=. <r ■* XT SECTS MMHMSX CBUSCET. Well, **dle, I've found the model church! I worshiped there to- day; It -made me think of good old. times, before my hairs -were gray. The meetinVhousa waa finer built than they were years ago; But then I found, when I went in, it wasn't built for show. The Bexton didn't seat me 'way back by the door; He knew that I was old and deaf, aa well as old and poor. He must have been a Christian, for he led me boldly through The. long aisle of tbat pleasant church to find a pleasant pew. I wish you'd heard the Eingin'—it had the old-time ring— The preacher said with trumpet voice, " Let all the people sing;" " The tune was " Coronation," and the music up*ffard * rolled Till I thought I heard the angels striking all their harps of gold. My deafness seemed to melt away, my spirit caught the fire, I joined my feeble, trembling voice with that melodious choir, And sang, as in my youthful days, "Let- angels prostrate fall, Bring forth the royal diadem and crown Him Lord of all." I tell you, wife, it did me good to sing that hymn unce more; I felt like some wrecked mariner who gets a glimpse of shore; I almost -want to lay aside this weather-keaten form And anchor in the blessed port forever fSom the storm. The preachin'! well, I can't just tell all that the jreacher said; I kno*-** it wasn't written, I know it wasn't read; He hadn't time to read, for the iightnin' Of his _ ± eye went passing long from pew to pew, nor passed a sinner by. ^-r^^KW^'Va^ ntj*&S.-fe "-n.- - .-m*W^T?%'2*. .rS^T: ■ay****- o kilt. SOffilS. i - The wasn't flowery, 'twas simple gospel men like me, it fitted hopeful sermon truth. It fitted poor old . youth. 'Twas full of consolation for weary hearts that bleed, 'Twas full of invitations to Christ—and not to creed. The preacher made sin hideous in Gentiles and in Jews; He shot the golden sentences straight at the finest pews. And, thougb I can't see very well, I saw the falling tear That told me hell was some way off, and heaven very near. How swift the golden moments fled within that holy place; How brightly beamed the light of heaven from every happy face! Again I longed for that sweet time when friend -» shall meet with friend, When congregations ne'er break up and Sabbaths have no" end. Subscription \ $1,50 per Annum. CLARE, MICHIGAN, J18IDAY, JULY 26,1878. Single Copies: Five Gents, tended that she should drudge after we •were married. When I had hoped for that, I did not mind work myself, but I'd never have made a slave of my wife. This Mr. Zaceheus could not make of her a; more precious treasure than I would; I knew that. I was thinking this all over one evening in the meadow, when suddenly I heard some one —Mr. Wollmerath !" say; [Ah that minister, the congregation, the skies, that shines hope to meet too, In the dear home beyond from heaven's blue, I doubt not I'll remember, beyond life's evening gray, The face of God's dear servant who proclaimed His word to-day. Dear wife, the fight will soon be fought, the victory be won, The shining goal is just ahead, the race is nearly run. O'er the river we are nearin' they are throngin' to the shore To shout our safe arrival where the.weary weep no more. A MITE SOHG. Only a drop in the bucket. But every drot) will tell; The bucket would soon be empty, Without the drops in the well. Only a poor little penny, It was all I had to give; But, as pennies make the dollars, It may help some cause to live. A few little bits of ribbon And some toys; they were not new, But they made the sick child happy, Which, has made me happy, too. Only some outgrown garments; They were all I had to spare; But they 11 help to clothe the needy, And the poor are everywhere. A word, now and then, of comfort, That cost me nothing to say; But the poor old man died happy, And it helped him on the way. God Ioveth the cheerful giver. Though the gift be poor and small; WhatdothHe think of His children "When they never give at all 7 BX K W. I looked up, and there was Mr. Zaceheus, nattier than ever, with a cigar in his mouth. If he had known just how I felt toward him, I'm not sure that he'd have come to find me alone in the great meadow, and I thought of that just as I jumped up from the grass and looked at him. But he was smiling as politely as possible, and there is something in a man's heart that makes it hard to do the first rude thing to one who is civil. Still I was not polite to him. "That's my name, "said I to him. "Do you want me ?" "I-want something of you," said he. "There is a little excursion to-night from our,house. We're going to take a lady. Have you any little light trap and a horse, of course, that you could let me hire for the evening? I'd rather go alone with her than in the big wagonette. You know, I'm sure, how it is—that a fellow had rather ride alone with a pretty girl, and, if you will help me out, I will be ever so-much obliged to you." So he had come to ask me to help him to have a nice time with my girl—he who had cut me out! I looked at him, just holding my hands still by force, and I thought of him riding along the moonlit road with Maggie close to him. I asked myself whether his arms would not be around her waist, and whether in the shadow, as they fell a little behind the others, he would not kiss her. "And vou want me to help you?" I said, out loud. "Me!" " Yes," he said. "Please." "Come along," I said. "I'llshow: you what I have got." On the farm that was mine there was one building, a little cow-shed. We put the tools in there sometimes, and I had a padlock for the door; the key was in my pocket. It came into my head that I could spoil this evening for him, and spite Maggie, too, by locking himin the shed. And if he had spirit enough to tight me for it afterward so much the better. I led the way down into the meadow where it Btood, and unlocked the door. "Just look in," said I, "and see if that wiil suit you." •" Can't see anything," said he. " It's pitch darjfe. Wait, I have a match." He took one from his pocket and stooped to strike it on the sole of his boot, and then I gave him. a push and reached the door, plunging my hand in my pocket for the key, I could, hot find it. I had dropped it somewhere. It was not about me. "Zaceheus!" I cried; "Zaceheus, are you there ? I am on the outside. Courage !" There was no answer. "For heaven's sake, if you can speak, do," I shrieked, but silence answered me. Doubtless the smoke had already smothered the poor fellow, but I set to work and tore away the burning boards.. I was scorched—my hair, my face, my eyebrows. Twice my clothes were on fire, but I rolled on the dew-wet grass, and was up at the flames again. Oh, it was horrible! If he had been my rival it would have been bad enough, but aninnocent young fellow; his sweetheart waiting for him somewhere! What a monster I was! "Heaven have mercy on him!" cried I. "Let me save him, don't punish me by making me a murderer!" and I tore and wrenched the boards with my burnt hands. And in a moment more—well— it was the roof that fell, I think—I don't know. I did love her! Oh, how I did love that girl! And they say all is Mr in love and war, and perhaps, that is some excuse for me. I had 'liked her a long while, and I knew that she liked me. I was as big a fellow as she could see anywhere about. I had a farm of my own, and, when I was married, father had promised to build me a first-rate house and stock the place for me. And when I went to church on Sunday, or to town, I had good clothes, and was never told I looked ill in them. On the whole, I felt myself a good, fair match for Maggie Franz, though she was so nice a girl. And her father and mother thought sbj too, and she never refused my attentions. I had settled, in the slow, quiet sort of way in which countrymen do settle these things, that we'd make a match of it. The other young' fellows knew it, and if we were not fashionable we were so far gentlemen that we had our code of honor. None of them ever interfered or tried to cut me out. But then "he" came, you see—dapper and pretty, and dressed like a tailor's fashion-plate, and talked of things I knew very little about, and his hands were white, and he had graceful, gallant ways that 1 had never learned. Mr. Zaceheus, that was his name. And in that summer holiday of his, while we were working hard over the hay and were tanned, dirty and worn, and so tired that sleep was about all we wanted when work was over-, why then he, soft, sweet and smiling, made himself agreeable to the girls, and crept into Maggie Franz's heffitt—-my Maggie. She scarcely looked at me. She did not care whether she met me or not; and on Sunday, there he was making me feel somehow so coarse, rough, and vulgar, and when I wanted her to go with me into the par^ where we used to sit in the great, green shadows, and listen to the birds sing, she had some excuse for staying at home, and when, on the road from church, I took her hand in mine, she snatched it away, and said, quite crossly: "Don't, Frank; don't do such silly, rustic things, while folks are he re. They never do it themselves, and they laugh so." "Mr. Zaceheus laughs, you mean, I suppose," said I. " That's gentlemanly, too." "You are criticising Mr. Zaceheus' manners, are you ?" After that there was a coolness between us; but, though it made my" heart ache, I could not think that it mattered much, to her. I stayed away from her father's house, and did not walk home with her from church on Sunday; indeed, I did not go to church at- all. And I know the young folks—aye, and the old folks, too—were saying that we had fallen out with each other, and I suppose everyone guessed why; but I would never answer any questions—not even when my own mother asked me—not I. So the summer came and the autumn passed on, and the town people stayed and stayed. I saw that fellow's silk hat and twill umbrella, and exquisitely-fitting garments wherever I wtnt. Farther than I could see other people, I used to see him and her—Mr. Zaceheus and Maggie. Th8y had never made Maggie work much at home, and she had plenty of. time to enjoy herself—an only daughter, you see, I mean, and her people were what is called forehanded. I neyer in- the key in my pocket. " xou'll not make any one hear very soon, my lad," said I, " and you'E not . kiss Maggie Franz going over the bridge this evening." Then I went away and laid myself flat upon the porch infront of our house, and felt happier than I had felt before for a long time. Revenge is sweet now and then. I do not pretend to have none of the old Adam in me. I'd been there about half an hour, and the chirp, chirp, chirp of the crickets was lulling me off to sleep, when suddenly! heard a little light step close by me, and saw a woman's white dress fluttering, and, jumping up, stood before me, Maggie Franz. The first thought that cam*) into my mind was that she was Jooking for her beau, and it made me fiendish. " Is that you, Miss Franz ?" said I. "Yes;"Mr. Wollmerath," said she— and, though I had said Miss Franz, how it hurt me not to be called Frank. "1 came over to see your mother. Is she in?" "No," said I. " Then I'd better go home," said she. But she lingered. " Not looking for any one else ?" said I. "No," she said very sadly. "Goodnight." But I could not let her go without a cut. "I thought you'd be on this wonder- full moonlight drive," said I. "There you were mistaken," said she. " Did he forget to come for you," said I. "Mr. Zaceheus, you know." "Ihaven't been asked to drive," said she. "I don't know why you speak so. Mr. Zaceheus, I suppose, is with the lady he's engaged to. She came down last week with her mother." " Oh," said I, and I began to wish I'd asked a few more questions before I locked young Zaceheus up in the cowhouse. We stoQd still, apart from each other. I saw her lip quiver. Was it for him? Had he jilted her ? That was tit for tat, anyhow. But she was so pretty, and so sad, and so winning that I felt my heart give one great throb. I took a step nearer, she took another. "Oh, Frank," cried she, "I can't stand it, if you keep angry with me. 1 always have liked you best, but you've been so awfully cross." And then she was crying on my shoulder. Did yon ever make up with some one you'd quarreled with, loving her all the time? Did you ever feel, holding the dear face between your two palms, pressing sweGt kisses on the dear, soft mouth, that it had" all come back, all the old love, and trust, and sweetness, and hope that you thought dead ? If you have, you must -know what I felt that minute. I found myself again. I was Frank Wollmerath once more. How strange it was! Out of all my life I'd like to have that one moment back; it was tha sweetest X ever lived through. Up in the midst of the far meadow rose a column of flame. The cowh-ouse was on fire, and I had locked poor, innocent young Zaceheus upjm it, thereto be roasted alive. " Oh, Maggie," I cried, glaring at the horrible sight. "I'm a murderer—a murderer-^-don't touch me," . And away I flew to undo my mischief, if there was time. There might be, perhaps. Never was. such a run as I took across that loag meadow. When I " He'll do very nicely now," said some one—" very nicely; plenty of nom*ishing food, and the wine as directed. No danger, though bis escape is wonderful." It was the family doctor, and I was on the spare bed inthe bedroom, with bandages about my hands. Mother sat there; so did Maggie. Father looked over the bed foot. Maggie WermeBkirchen, Lizzie Rhu, Frida Hen- sel, Angelica Hensel, and yet one whose first name is not known by me were also visible. "And why he was so set on saving that old shell, I can't tell," said mother. "He must have hid something precious there.*" " * "" They did not know, then. I sat up in bed and looked at them all. "Itwasn't the shed,"Baidl. "Mother, father, Maggie, it was Mr. Zacheus. 1 had locked him up there. I've murdered him." "No, you haven't," said another voice, and some one came around the bed. " I'm alive, you see. You didn't think I'd stay locked up in a cow-shed when I had an engagement with a lady, did you? 1 -just burned the lock off with my cigar, and came away. I intended to give you a fright in return for your trick. I suppose it's what you call a practical joke in the country—but I didn't think of anything serious. I'm really sorry." I don't know what I said. I know I felt very foolish; but that was not half as bad as feeling like a murderer. next "four weeks, but I didn't mind it as much as if Maggie had not fed me with hers. She petted me as if I were a hero instead of an idiot. I believe she thought I had done something noble and grand. And she's been my wife, now—how long, Maggie? Not so long as to have Introduction of American IProdacts—Danish, Italian and. "Gei'ltta-a tabor. John Wilson, "United fltates Consul at Brussels, in a dispal&sfe* to the Department of State, at Washington, gives some hints as to the mllhods of introducing American mann*6&ttures into Europe. He starts out with, the assertion that prejudice is a great|s obstacle than tariffs or unregulated €rade. It is not enough to send abroa^l circulars and price-lists. Sample deiots, with competent agents to make kiaown the character, uses and qualitiet* of our inventions are what is needed^ Patience and perseverance on the parfof these agents are also required in &4&ling with the people of Europe. Wi& these, success is sure. Innovations, jand especially American innovations, a1:© generally repugnant to Europeans, %at this prejudice hf.s already yielded, in a marked degree. There is now if0 difficulty with articles like flour, bacoif£-lard, petroleum and breadstuff's, petroleum met with universal opposition at first, but is now introduced into^t^j^hqmes of the better classes as well as ^mong the poor. Indian corn has yet to" overcome a prejudice like that which, if few years ago, assailed petroleum. J0& peasant of Belgium not only feeds^iimself, but his horse, on coarse, black, -rye bread. Indian corn, substantial!*? unknown to him, would be cheaper fcud more nutritious. He needs, tobeifughtthis. The importation of this grai^has largely increased in Belgium. All this applies? with nearly equal f omx-to our canned fruits, vegetables and in%ts. These are constantly overcoming hostility and prejudice, and their useT|a increasing in many places.^ Competent agents have secured these ends. Similar education is needed to introduce largely our perfected stoves, ranges,'-'carriages, etc. The Consul, therefore, iirgently recommends that American manufacturers and producers combine and''Establish agencies for the purpose ct educating Europeans up to the use M our machines and products. The United States C&SBttl at Copenhagen^ Mr. Henry B. ^yder? sends to the Department of Sta# & report; of affairs in Denmark. Ae£ in other countries, a general stagnaM^u,prevails. Of the currency of DenmsfTc hesays: "The circulation amounts to ti 1,000,000 crowns in paper money. Th$sp!&in the bank amounts to about 35,00^00. The National Bank of Copenha^Dtt is the only bank in the kingdota Ifiowed to issue paper money. The horJB of the bank are redeemable in gold<*»b, which is the legal tender, silver bete; used as a fractional currency, and al%s& tender only tS the amount of 30 CM#*as, The circu- have to work ten or twelve hours daily. For a family of six persons the cost is about $7 a week—an amount that few families can earn, as the depression of trade and the reduction of time allows few to do a full week's work, although wages are nominally a trifle higher than five years ago. The state of trade is deplorable. Factories are run and sales made at a loss, except, perhaps, the sill and button industries. Retail trade ii somewhat more prosperous. THE PHOSAU-TOtfEAPH. Absolutely tlie latest Invention of 3?rof. Edison's. *• [From the New York Tribune.] Inquiry was made at the Metropolitan Elevated Railway Company's office yesterday regarding the means which Thomas A. Edison will employ to lessen the noise of trains; " Oh, that is all settled," was the reply: "Mr. Edison is going to put instruments on the cars which will absorb the noise. The sound made by the trains will be collected and bottled up until the cars get to the end of the road. Then it will be discharged up through a tall chimney." Mr. Edison was found in his office at &0. 267 Broadway, last evening, and laughed heaitily at the statement of his plan to bottle up sound. He had been at work all day, he said, along the line of the road, taking observations. He had not yet found all the sources cf the noise produced by the trains, and, until he had fully determined what the causes ■of the noise weie, he could not decide upon remedies. He was making an instrument, which would be finished in a day or two, by which he could determine the character of the sound vibrations, and thus get at the causes of the offensive roar. This instrument Mr. Edison described. It consists, in part, of a funnel to condense the sound vibrations. At the small end of the funnel is a diaphragm, which is made to vibrate by the sound. A cylinder, similar to tha used in the phonograph, is placed near the diaphragm. About the cylinder is wrapped a piece of paper -which has been blackened by being held over the fumes of burning charcoal. A straw is fastened to the funnel diaphragm in such a manner that the point falls on the blackened paper. As the cylinder is turned, the sound vibrations are traced by tiie straw on the paper in such a manner that they are plainly visible. The instrument is called the "phonauto- graph." By its use records of sound vibrations, for. any desired length of time, can be easily made. These records, Mr. Edison, believes, will enable him to determine the causes of the peculiar roar produced by the trains on the Metropolitan road. He intends to use BR ITAIN*-S TBITOPH. The Won Swallows tlie Turkey. forgotten to be lovers, though my boy's head is on a level with his mother's shoulders, and my own is turning gray. Chicago, 111. The Flying HacMne,, About 50,000 people assembled on the common to witness the first exhibition of the flying machine in open air. The plan was to sail around the tops of the houses and over the principal streets and demonstrate to a wondering multitude the possibilities of air navigation. When everything was ready the machine was let go, but instead of flying up gradually and gracefully, as intended," it shot up like an arrow to a distance of 2,000 feet. Every one came to the conclusion at once that it was unmanageable, and the poor aeronaut was the object of much symathy as he floated upward. He soon let off some of the gas, but did not descend. He went up higher and higher, and it was soon evident that he was as much at the mercy of the currents as any balloonist. He sailed over Brookline, Boston Highlands, and out through Norfolk county, and landed at the little town of Farnham. Here he was an object of wonder to the inhabitants, and after they had gazed on him he essayed to fly back to Boston, but on reaching Dover gave it up, and, packing his machine on the train, he eame home by rail. He explains his failure by paying that the gearing got out of order. The steering apparatus would not work, md£ one of .the rods was disarranged. He says he had to tie it with a cord and strap his foot to the pedal. - The belief is.that the machine is incapable of navigating any except the air confined in a hall, and that any current will carry it away just as it does the old-style balloons.—Boston Cor. New York Herald. isfe of BPl^..M^'^^^^-^^. the phonautograph both in the cars and lull- or sniVffi* air-ivi:usrm^Slf^.nxnl 'aViknnJir-^Zl^ZZ>^^^-:~T-. ■ ■ _■ -r..-j-s-^-_-. .—A—a— ^Jt~, TOufoTMve^'aio?^^^^^ffia er^eop per at 500,000. The cohtfof Denmark, Tlmrlow Weed on Lincoln, Clay and Wreeley. " Whom do you regard as the greatest men of your time?" "Well, that would be difficult to tell. All such things are comparative. I could name a great many men who have served their country and. their time with eminent ability. But a man's public usefulness depends largely oh circumstances. Mr. Lincoln, for instance, had a great opportunity, and he was equal to it. If circumstances had not found him, if he had not been the right man, at the right time, in the right place, he would have remained in obscurity all his life. I regard Henry Clay as foremost among the men laboring all their lives to elevate themselves, and who labored always ior the object -by promoting the welfare ofthe country and the interests of the people. Horace Greeley labored with equally pure motives, as I think, up to "the point where he allowed his ambition 7to rule him. I knew him intimately for years. A truer, more useful and more devoted practical philosopher I never knew... He labored with a single eye and a single heart and both hands for the good, till he thought he could be still more useful in office. He was a frank, honest man, with nothing tricky about him. The very moment he found his aspirations in conflict with those of Mr. Sewardr he wrote that well-known letter dissolving the political partnership whioh had existed between ue,"— Interview with Thurlow fFeec?, Sweden and Norway ar4 legal tender in each country. Wages are from 10 to 15 per cent, less than in 1S72, while the cost of living is a trifle higher. Laborers earn from 8 to 10 crowns per month} mechanics from 2 to 3 crowns a day. The cost of living to a laborer ia from .1 to"2 crowns a day. There is a large surplus of labor and no employment for it." Mr. Henry Noble, United States consular agent at Turin, Italy, in a dispatch to the -Department of State, of recent date, gives some statistics of labor in that country, viz. t Daily wages of farm hands, nine months, 24 cents per day; three months (harvest time), 60 to 70 cents per day, without maintenance. Women are paid about one-half of these rates. Youths, from 14 to 16 years old, are paid from ^20 to $24 per annum, with board. Railroads run by the national Government pay their engineers from $30 to $42 per month; common li\- borers from 50 to 60 centsper day; chief conductors, $360 to $400 per annum; station-masters, $800 to $1,000. Pensions are provided to employes after a certain number pf years of faithful service, and to their widows in case of accident or death while on duty. Females who guard the crossings receive 16 cents a day; ticket-sellers, 20-cents, their hours of labor averaging four or five per day. The cost of living for laborers is about 18 cents per day. During the past five years both wages and the cost of living have advanced about IS per cent. Trade is deplorably dull. Exportation of manufactured goods has almost ceased, and- matters seem to be going from bad to worse. In Italy there are six banks having the right to issue paper money without being compelled by law to have any re serve in coin. The circulation of these banks amounts to 624,000,000 of francs, including Government notes and coin. The Government notes are good for -all- dues,* are legal tender, except for duties on imports, and are guaranteed by the banks. For the guarantee the banks re-, ceive a commission of 8 cents for each 100 francs issued. The premium on coin—mostly gold—ranges from 9 to 11| per cent. The wages of all classes are paid in paper money. The Department of Stale has received from the United States Consul at Bremen a very full report on labor and wages in his district. For agricultural labor the pay varies greatly, according to the proximity to, or remoteness from, ■ manufacturing centers, and ranges from 56 cents a day in the neighborhood of Bremen to 31 cents a day in the lower Bhine valley,' and as low as 18 cents in parts of Silesia. At Bremen, Crefeld and Dusseldorf carpenters, coppersmiths, plumbers, machinists and wag- onsmiths earn from 51 to 75 cents daily- saddlers and shoemakers from 47 to 52 cents daily; bakers and brewers, with board and lodging, from $1.42 to $2.14 -weekly, and without board from 60 cents a day to $4.28 a week; farm hands are paid from $107 to $215 yearly, with maintenance; railway laborers from 56 to 83 cents per day, and as high as 95 cents daily for piece-work on tunnels ; silk-weayers can earn from $2.15 to $2.85 a week- per loom. Factory women, $2.15, aad children $1 a week." Business and wages are very low. In. good times wages are 80 per cent, higher. The cost of the necessaries of life has increased some 50 per cent, in thirteen years, although now it is but little higher than, five years ago. A man and wife, with two or three children, can live in two or three rooms in a poor and comfortless manner for $275 a year,^ and to support Buob. an esfeafeiigameafc &U the members on^SS^gro-Ea^ One great source of noise has* already been discovered by Mr. Edison to be the vibration of the iron-lattice stays cf the girders. These stays cross each other, but are not joinod where they cross. At every passage of a train these stays vibrate with so much force that the strength of a man's hand is not sufficient to keep them steady. Their vibrations are rendered very sonorous by the ties of soft wood on which the rails are laid. The entire road is thus made an immense sounding apparatus, and might, Mr. Edison says, be compared to a piano if the noise produced were not so inharmonious. By fastening the lattice stays where they cross,- their vibrations will be checked in a measure and the noise lessened, A change from spruce and pine ties to oaken ties would also have an effect in lessening the noise. Death of Br. James C. Ayer" Dr. James C. Ayer, the well-known patent-medicine proprietor, has died at -.Yinchendon, Mass. For the past two years he had been in extremely poor health, and for some part of that period his mental condition was such that he had to be confined in an asylum for the insane. Dr. Ayer was undoubtedly the wealthiest maker of patent medicines in this country. He had been engaged in the manufacture of pills and sirups for many years, and his name is known through his medicines all over the world. In the later years of his life, before his mind became unbalanced, he was desirous to become known to the public as a statesman, and not alone as a maker of pills. Having great financial interests in Lowell, Mass, where he resided, and in its surrounding towns, he succeeded, in October, 1874, through agents, while he was in Europe, in procuring the Republican nomination for Congress in the Seventh Massachusetts district. A great deal of opposition to him was made on account of his cold manners, and he was defeated by the Democratic' candidate, Mr. Tarbox. A few days subsequent to the election the superabundant ill-feeling toward him in the town of Ayer—which is named after him—found expression in the pxiblic burning of his effigy. It seems likely that brooding over his defeated hope of acquiring political position, and over the indignities cast upon him by the men he expected to rally to his support, caused his mind to become unhinged. In June, 1876, he became so violent that he was conveyed to a private asylum in New Jersey, where he remained for some months.—Next) York paper. A Drunkard's Liability. The theory that drunkenness does not excuse a man for crime seems to apply to liability under a contract made by a drunken man, provided he gets drunk untarily. In the case of O'Connorvoi against Rempt, the New Jersey Court of Chance cy has decided as follows : "A deed made by a person while in a state of intoxication will be set aside if advantage has been taken of his situation, or his dru-okenness was produced by the act or connivance of the person to be benefited by the deed. Courts cannot protect the rash against the consequences of imprudent contracts, if they enter into them voluntarily, and not through fraud or artifice." The Chicago Times, commenting upon Beaconsfield's great diplomatic victory in the Berlin congress, says: Confidently as those who have duly studied Anglo-Saxon growth and character may have believed that in the outcome of the Russo-Turkish conflict Great Britain would suffer no loss of national prestige or advantage, nevertheless it may be truly said that the British triumph which concludes the long and fierce controversy is amazing. The caricature picture-makers might graphically represent this latest contest on the " Eastern question" under the similitude of the Russian bear fighting the Moslem turkey at enormous cost of life and treasure, while at a distance the British lion quietly watches the furious combat. For a time victory inclines to the side of the feebler combatant, and the lion manifests a lazy and indifferent sort of satisfaction.. But the tide of battle suddenly turns. The bear seizes the turkey and is proceeding to dimem- ber it. The lion wakes up and begins to roar vehemently. The bear growls savagely. The animals show their teeth and make ready for combat. In the situations presented by the succeeding diplomatic maneuvers, the artist will find the subjects for a series of graphic illustrations, showing the bear rampant, the lion "isolated," with his teeth out and his tail gone, etc., concluding with a congress of national quadrupeds, in which the lion appears with the turkey inside of him, magnanimously tendering to the bear a small fragment of one of the tail-feathers. At a cost of $1,000,000,000 Russia has played the glorious part of the monkey that drew from the coals the finest lot of chestnuts Great Britain has ever gained. What Russia has gained is defeat, humiliation, and a loss of prestige. The recarving of Turkey in Europe advantages Austria without cost, but not Russia. The acquisition of a narrow slice of Bessarabia is of no practical value, political or military, while the new compact between Turkey and Britain brings the Hon and the bear face to face in Asia, and puts a terminus to the advance of the latter in that direction. In effect that compact makes Great Britain henceforth the predominating power in Asia. In effect, if not in terms, it is the erection of a British protectorate over Asia Minor, carrying British influence and control from the Dardanelles to Persia. In the probable reality of the future, it is the extension of British India westward and northward through the valley of the Euphrates to the Mediterranean and to Constantinople. Already ah English navigation company occupies the Euphrates and monopolizes theebm- _imgjc^4?|_&flt_g_rea|1< QriemtaThighway. Wine is made from wild oranges iu Florida. . - .. . . Lake OiiTABib and tributaries swarm with young shad. The Corsicana Snarling Scrap is a new Texas paper. Cases of insanity in Oregon have been more frequent in the past three months than ever before. A new coating for the bottom of iron ships consists of brown paper attached by a suitable cement. FoELOwiNGf many vocations has ruined the life of many a man. Following none has ruined a great many more. Ink stains may be removed from marble by washing first with dear water and then with a weak solution of oxalic acid. Sambo, who was at sea, says: "All de passengers was aheavin', anddeCapt- ing gub orders for de ship to heave to." An editor in Cincinnati, puffing airtight coffins, said: " No person having once tried one of these coffins will ever use any other." Senator Hmii says that at the next session of Congress he will advocate a bill permitting States and corporations to issue paper money. Mn. Ross says it has cost him $80,000 net to find his lost Charley. A good many men would gladly lose all their boys for half the money. Biddx (to her husband)—"What makes yer nose so red, Pat?" Pat— "It's the hate, me darlint." Biddy— "Yes, hate of cold wather." AnTrFiciAi.- blackberries, wild strawberries, elderberries and cherries are used for bonnets and hats, or for dress trimmings, but other fruits have gone out of fashion. Dudeey: Selph, the Louisiana marksman, has just won a valuable prize in a shooting match near New Orleans, scoring with his rifle 210 points at 800, 900, and 1,000 yards. There is a man living at Tarnell Sta: tion, Ga., who churns his butter, rocks the baby,' and keeps the flies from his dining-table by water power. This is later than the phonograph. A month ago Mme. Denizot, of Noyon, France, killed her two children, then herself. Her husband was abroad, but on his return, two weeks later, he sought out the grave where the three were buried, and, lying down upon it, blew out his brains. ThttkiiOW Weed is one of the largest and mort muscular of the editorial fraternity. This remark of course applies to his earlier days, for he now feels the effect of time. He is just three years younger than Bryant, having been bom in 179?, and considering Ids age, h§ is in remarkable presesYfttion. way from the Euphrates to the Mediterranean is announced, and the construction of another line, hitherto proposed, connecting the eastern extremities of the Mediterranean and the Black seas, is now virtually assured. The process of Anglicising Asia Minor, politically as well as commercially, is begun. Moreover, the astoeishing outcome of the Berlin congress has given again an emphatic answer to the question whether the"Almighty made the Mediterranean sea for an English lake. At any rate, if the Almighty did not make the Mediterranean for English use, events prove that He has had very poor success in carrying forth the purpose of its crea- tian. For more than a century England has commanded it at the middle and one end." And now England commands in the middle and at both ends. The cession of the island of Cyprus to the British renders their control of the Mediterranean, in its whole length and breadth, complete and absolute. The possession of Cyprus is to England hardly less important than that of Gibraltar. Within a few hours' sail to Port Said, and to Adriatic ports on the east and north, it is admirably situated by nature for a great military and naval rendezvous from which can be commanded the whole Asiatic peninsula and all the routes, both land and water, to India. It is the real key to the Orient, and as such will unquestionably be held" and used bj the British power. In fine, the outcome of the Berlin congress is the greatest triumph fcr Britain that this century has witnessed. It is not surprising that in Russia great indignation should, be manifested on account of an out *ome which is for Russia worse thau her defeat by the Turkish arms would have been. Nor is it surprising that even the English nation should be amazed at this unexpected success of the most audacious programme of national aggrandizement at another nation's cost which an English Premier has ever undertaken. What Becomes of Wealth. A boot and shoe dealer has hanging in his store a pair of boots worth $7. They constitute a part of his wealth, and a portion of the wealth of the world. A man buys them and begins to wear them; by friction against the pavement little particles of the leather are rubbed off, and thus separated from the rest of the sole. Every particle that is thus removed takes out a portion of the value of the boots, and when the boots are entirely worn out the $7 of wealth which they formed is consumed. The wheat, corn, etc., which was raised by our farmers last summer is being eaten up. No particle of matter is destroyed by this process, but the value which was in the grain is destroyed. As, while men are wearing out clothing and eating up food, they are generally busily employed prodncing wealth of Eome kind, the wealth of the world is not usually diminished by the consumption, but it is changed. TMb applies, however, only to personal property; town lots and farms generally retain their value, but personal property is Bubject-to perpetual destruction and renewal. As the several particles of water which constitute a river are forever rolling away to the ocean, while their places are being supplied from the springs and fountains, so the movable wealth of the world is constantly being consumed to gratify human wants, and constantly being renewed by the restless activity of human industry. Estimated population of the earth 1,396,842,000. Mrs. Myra CijArk Gaines has won another case in the courts and got a title to the whole town of Kennerville in Louioiana. A master in chancery, has been appointed to estimate how much- the° lucky widow should have for the past revenues of-the place. Another important improvement in> connection with our Western lake com- * merce was completed on the Fourth of July—the Sturgeon "Bay ship canal, which, by a short cut, connects Lake Michigan with Green bay, Wis., saving a long distance of navigation. Miss EmtiiY FAirHFTJij, in a recent address on the extravagances of modern life, said that outward luxury was becoming a perfect passion among English men and women, who had lost the taste for simple pleasures, and, in their pursuit of gold, were losing sight of higher characteristics. Spain has again commenced io use the island-bf Cuba for her pecuniary benefit. -A' loan of. 20,000,000 teas, just negotiated with the jfepeb. ftyaii- ^at^is jwemfefl by pk%?e*v3a eafee> little or no^bvenue has been derived for ten years or more. These figures show how London has grown in the twenty years since the first great Exhibition: If 51. 1871. Inhabited houses 305,086 419.642 Inhabitants , 2,303,405 3,206,987 In the twenty years ending in 1876 the total ratable annual value of property has increased from -£11,283,663 to £23,111,313. What our great men are doing—Thos. Ewing has been blown up in a Mississippi steamer. Disraeli is a tramp at Ottawa. James Madison has been acquitted of a charge of burglary : t St. Louis. Daniel Webster, a shoemaker, of Washington, has been figuring in a lawsuit about a pair of boots he made for John C. Breckenridge. Henri de TouRvmiiE, the rich London lawyer who was convicted by an Austrian tribunal and sentenced to death for murder, by pushing, his rich wife, whose heir he was, over a precipice in the Tyrol, and whose sentence was afterwards commuted to one of twenty years* penal servitude, has been disbarred, and Ms name removed from the list of members of the Middle Temple. The late,Wm. Dixon, of Vicksburg, Miss., was a philosopher. The day before he was—before they—in fine, the day before his death, he caught three mice, erected a miniature scaffold in his coll. and worked them off. The result of the experiment satisfied him that death by hanging was painless, and next day he walked to the gallows like one sustained by an unfaltering trust. Drunkenness in Australia. Sydney is now an irregularly laid out and an irregularly built city of about 200,000 souls; with its suburbs, the population is estimated at 250,000, A careful enumeration would place one salcon (hotels they call them here) to every twenty inhabitants of Sydney and suburbs. If this should be called exaggeration, it can be met with the reply that the evil needs desperate measures for its. correction. Well, these "hotels" are the most prosperous concerns in New South Wales—not alone in Sydney, but in every place I have been. I bund it the same in Queensland, and I expect to find it the same in Victoria. It is no unusual thiug to see drunken men and women staggering about the streets. I have seen not a few, but a great many, nearly every evening I have been out. Persons who have read the pnn-picb- ures of low life in England, as delineated by Charles Dickens, only have to come to this place to realize that Dickens did not exaggerate, I have seen a littlo 6- year-old girl trying to lead her besotted grandmother home, and that venerable woman so drunk sho could not stand excel t against a house side. Women frequently appear adorned with two black eyes. * Of course, these are very low and very poor people, but they frequent the principal streets and mingle with the general throng. Drunkenness is the saddest feature of this beautiful country, and one gladly turns from its contemplation to a consideration of those features of the colonies that it is a pleasure to chronicle, and such, too, they are, as we in America' would do well to imitate.— Sydney Cor. Chicago Iribune. "Whisbx is your greatest- enemy," said a minister to Deacon Jones. "But," said Jones, "don't the Bible say, Mr. Prealcher, that we are to love our enemies?" "Oh, yes, Deacon Jones; but it don't say we are to swallow thena,"
Object Description
|1878-07-26; Clare County Press
|Goodenough & Wilson
|Friday, July 26, 1878 issue of a Clare, Michigan newspaper. Published weekly. Began publication date unknown. In 1886, the title was changed to The Clare Press
|Clare (Mich.) - Newspapers; Clare County (Mich.) - Newspapers;
|Copyright Permission
|This material is in the public domain.
|1878-07-26; Clare County Press
|Goodenough & Wilson
|Friday, July 26, 1878 issue of a Clare, Michigan newspaper. Published weekly. Began publication date unknown. In 1886, the title was changed to The Clare Press
|Clare (Mich.) - Newspapers; Clare County (Mich.) - Newspapers;
|Copyright Permission
|This material is in the public domain.


text:
HOME San Francisco 49ers Gear San Francisco 49ers T-Shirts Everything Nike (139 items) Product ID: 839354
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Who knows how the 49ers will do this season? Patrick Willis, that's who! He knows that from his linebacker position, he'll be stuffing running lanes and daring the opposing QB to throw something in the middle. When you sport the Willis Knows shirt from Nike featuring bold screen print lettering, he'll also know that you have his back!
- 100% Cotton fabric
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EU Projects and Funding
European Commission's financial programmes are important tools for developing partnerships and policies in the Member States and with third countries.
Some examples of funding programmes - Prevention and fight against crime (ISEC); the Daphne Programme: Measures to combat violence against women, young persons and children; European Instrument for Democracy and Human Rights (EIDHR); Thematic Programme Migration and Asylum - where actions against trafficking in human beings have been - and are - among the set priorities. Focus has been on support and training for the enactment of anti-trafficking legislation, investigation and prosecution and on support, protection and assistance to victims of trafficking in human beings.
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Promotion of Rights, Capacity Building Measures and Initiatives to Curb and Temporary Migration including Human Smuggling and Trafficking (C-PRISM) - Pakistan
Publication date :
Reference 2007/143930 - AENEAS Countries/Regions - Pakistan Promoter Actionaid COo ltd http://www.actionaid.org/ Budget 1.110.000€ (880.000€ of EU support) Timeframe 2007-2010 Other Partners Basic Education for Awareness, Reforms and Empowerment more+
Cecilia Malmström, EU Commissioner for Home Affairs
- Trafficking in Human Beings for the Purpose of Organ Removal Dates: 21/11/2014 - 21/11/2014
- People as a commodity: Trafficking in Human Beings in Europe Dates: 09/12/2014 - 09/12/2014
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CSI: Crime Scene Investigation - Season 8 DVD
$16.99Add to Wish list
You Save: $5.99 26% off
- Additional Details
- Format: DVD
- Rating: Not Rated
- Number of Discs: 5
- Run Time: 732 Minutes
- Region: 1
- Aspect Ratio: Widescreen
- Studio: Paramount
- DVD Release Date: October 14, 2008
- Audio:
ENGLISH: Dolby Digital 5.1 [CC]
ENGLISH: Dolby Digital Stereo [CC]
SPANISH: Dolby Digital Stereo
- Cast: Marg Helgenberger, Jorja Fox, William Petersen, Gary Dourdan, Eric Szmanda
- Genre: TV Series
- Color: Color
- Includes:
- While The Cast's Away, The Rats Will Play
- William Friedkin: A Different Take
- So Long, Sara Sidle
- What Happened In Vegas...
- Shot In The Dark
- TOD: A Bug's Life
- Deleted Scene
Audio Commentaries on 2 Episodes:
- Episode 808: "
- Release Date: 2007
CSI Season 8: Crime Scene Investigation features a passionate team of forensic investigators trained to solve crimes the old-fashioned way � by examining the evidence. In these CSI DVDs, Gil Grissom (William L. Petersen), Catherine Willows (Marg Helgenberger), Warrick Brown (Gary Dourdan), Nick Stokes (George Eads), Sara Sidel (Jorja Fox), Greg Sanders (Eric Szmanda) and Captain Jim Brass (Paul Guilfoyle) are on the case 24-7, scouring the scene, collecting irrefutable evidence, and finding the missing pieces that will solve the mystery.
In the 17 CSI Season 8 (2007-8) episodes, one beloved character departs � and another dies � in the pursuit of justice. CSI season eight also includes the Without a Trace crossover episodes ''Who & What'' and ''Where & Why.'' These CSI videos include bonus features with a sextet of featurettes, deleted scenes, and audio commentaries on ''Cockroaches'' and ''You Kill Me.''
Actors: Marg Helgenberger, Jorja Fox
DVD Release Date: October 14, 2008
Rating: NR
Studio: Paramount
With the bonus footage, these CSI Season 8 DVDs are great CSI gifts and must-have viewing for anyone who loves crime-solving shows.


text:
Inside Farmer Mac's risk management machine
At 25, agency is very different creature than at the start
- |
- Written by Steve Cocheo
- |
- Comments: DISQUS_COMMENTS
Tim Buzby would be first to admit that he's not farm-raised. "I grew up in a little town in south New Jersey that does have a lot of farming, but I never actually worked on a farm," says the president and CEO of Farmer Mac. "Having been here for 13 years now, it's amazing how it rubs off on you."
But Buzby, the agency's CFO prior to stepping up to the top staff post a year ago, hasn't been satisfied with merely learning from the numbers (which he can quote from memory). He often joins Farmer Mac's outreach staff when they visit with the bankers and Farm Credit System institutions that use, or could use, the company's services. He's also visited farms, interested in learning more about the people whom he sees as the ultimate customers of Farmer Mac's services.
"Outreach is important," says Buzby. "We find that a lot of people are aware of Farmer Mac, but they don't fully understand what we do. But I like to say that the best meetings I go to are the ones where somebody else does most of the talking, so we can figure out ways to help."
Farmer Mac has passed the 25-year milestone, having come into being with significant participation by ABA. (The association continues as a partner today, through which members qualify for special pricing.) The first of four significant revisions of its charter came in 1990, each step building on the original model. Buzby notes that amendments made in 1996 helped business really take off.
Beyond mere longevity, Farmer Mac has passed two financial milestones. In 2012, it purchased $1.1 billion of farm and ranch loans and U.S. Department of Agriculture guaranteed securities in a single calendar year—more than double the volume seen in 2008. The corporation's outstanding business volume came to $13 billion.
Buzby says Farmer Mac is poised to exceed 2012's volume by "quite a bit. And I think that we will likely exceed that again next year."
He adds that "if you had told me five years ago that we were going to purchase $1 billion in loans in 2012, I would have said, 'You need to explain to me how we're going to do that.' Now, if you told me that we're not going to do $2 billion annually five years from now, I'd ask you to explain to me why not."
Sources of volume vary from year to year. Over the last couple of years, the business from Farm Credit System institutions has been down and that from banks has been on the upswing, says Buzby. Putting aside activity in rural utility credit and USDA loans, he says, banks account for about 75% of agency volume currently.
Part of the driving force behind the growth is today's interest rate challenge.
"Long-term fixed rates are the primary driver of much of the business that comes to us," says Buzby. Bankers see this as a time to investigate ways to give farmers the fixed rates they want to lock in without putting the bank into a bind as market rates rise.
In addition, many small banks have customers who may be outgrowing the bank. "There's the constant need to keep customers you have and to gain new ones," says Buzby. "They are looking to lay off risk, and we like to be there for them to do that with us."
We spoke with Buzby at Farmer Mac headquarters in Washington, D.C. Here are additional highlights of the interview, edited for clarity.
ABABJ: Enterprise risk management is a challenge facing banks of all sizes. Farmer Mac's services address liquidity, credit, rate, market, and concentration risks. Is that an angle that brings more banks into your customer base?
Buzby: We don't directly offer tools like stress-testing models, though we can provide industry statistics to bankers for their risk-management planning. But part of our overall understanding of our market—how we decide where we're going to get the most bang for our buck—is through looking at banks' call reports and seeing who is concentrated in ag. We see what their capital positions are and who has had strong growth, so we can target market and offer financing to institutions that may be facing risk-management issues.
We try to get to either the people who lend or the people who handle risk management. Often the ag lending group is trying to grow the portfolio. So they are not incented to sell loans, necessarily. On the other hand, the treasurer's office or the CFO within that same bank might be looking at their loan-to-deposit ratio and determining that, in fact, they would love to have an outlet to sell loans, but they might not be familiar with Farmer Mac. If we can get the ag folks talking to the finance folks, together we can come up with something that works.
ABABJ: Risk management is something Farmer Mac itself must be concerned with, too.
Buzby: Internally, we do a lot of stress testing, capital-adequacy management. We have a regulator [Farm Credit Administration's Office of Secondary Market Oversight] that is solely focused on us. They look at us as a financial institution that has credit risk, interest rate risk, capital risk, liquidity risk. We have our own internal policies and procedures. They look very closely at how those have been developed and how they've evolved.
ABABJ: One of the major points of Dodd-Frank, regarding the residential mortgage secondary market, is the concept of "skin in the game." But that element of the original Farmer Mac schematic was eliminated in 1996, so that you can now buy 100% of loans.
Buzby: Before the change, the skin-in-the-game requirement was causing institutions to feel if they kept the first 10% of risk on an ag real estate portfolio, that they hadn't really put off any risk. And the banks' regulators didn't feel that Farmer Mac was absorbing any risk, and the banks weren't getting any capital benefit then.
So, typically, now we take all the risk in a portfolio. However, in order to provide a pricing advantage for some institutions, we'll let them keep a first-loss position—1%, 2%, 3%, say—in exchange for a lower fee. If we're talking to a lender about selling us a pool of loans or entering into a long-term standby purchase agreement, and they think the price is too high, we'll try to lower the price that way, or we'll encourage them to give us better loans.
They might want to shed, say, $50 million worth of risk on these types of loans. What are they willing to pay to shed that risk? They could just sell those loans and that risk would be gone. But then their portfolio shrinks, so they may not want to do that.
They may be willing to pay 30 basis points a year for that, but not 50. We may be charging 45. We try, in those discussions, to be a completely open book. We tell them what our costs are, and we try to run a very efficient operation, so people don't see their bank as paying for our operation.
ABABJ: Where do you see ag land prices going?
Buzby: I don't think we're in the midst of a bubble that's going to crash. Land values get talked about in the aggregate, generally, but there are certainly many pockets around the country where the trajectories are different. Often, individual transactions get talked about that are not representative of agriculture for that broad a region.
I think there's a healthy balance right now in terms of people who are buying the land to farm over the long term, not to buy and sell in three years at a profit. So I try not to focus on land values and what that means for a specific farmer. I look more at the overall health of agriculture.
If commodity prices remain reasonable or strong, that should bode well for the farmer overall. You know, when corn prices are at $7, that's great for corn farmers, but it's not necessarily good for those farmers who use corn as an input. Most of the farmers producing crops will make money this year. And those who are using those crops for inputs are much better off than they were a year or so ago.
ABABJ: Farmer Mac has exposure in deals involving over 100 different commodities. Are there any of concern to you?
Buzby: Within the past year, we reduced our maximum LTV ratios for certain areas of the country. I don't think that has, in any way, caused us to lose any business. It's just a precaution. I don't think we'll see institutions looking to win business by doing higher LTV loans. I don't think you see many farmers wishing to over-lever their operations.
Specifically, 60% LTV is our maximum in those areas that I mentioned. It's not like every loan we're doing there is at 60%. The average in our portfolio is in the low 50s and that's original LTV. So over the past decade, we've done a lot of loans with an original LTV average in the 50s, and since then, for all of those loans, you've had the principle balances paid down, and generally you've seen land prices come up. So I think we're in a pretty good position.
ABABJ: When you do deals for loans, how long are they typically under your roof?
Buzby: Until they're gone. So generally, whether it is a loan that we've purchased or a long-term standby purchase commitment, generally, once a loan is put into the program, it's there for its life—on average, seven-plus years on a weighted-average term.
ABABJ: A change was made, too, in the first half of 2012, regarding debt-coverage ratios.
Buzby: That was a similar change in time when we changed the LTV standards. Again, we were taking a look at the overall standards and tightening things up a bit. Not because we were overly concerned or had any specific issues, but just an adjustment that we thought made sense. We don't want to be in a position where we're sacrificing quality in order to gain quantity.
ABABJ: You came to Farmer Mac from the residential mortgage world. Securitization, once hot, has been weak to moribund since the crisis. How would you describe Farmer Mac's current and future use of securitization?
Buzby: Many people make the argument we were created to be like Fannie Mae and Freddie Mac. While that may have been the case, we almost immediately departed from their business model. Our business is very different from the homogenous commodity of home mortgages in which Fannie and Freddie for a period of time securitized very successfully. The concept had been that we could replicate their model. But in actual practicality, it hasn't come to bear.
Ag mortgages are difficult to securitize because they're not homogenous. They have different payment characteristics, and you have collateral types that are very different. Prepayment characteristics, therefore, are very difficult for investors to model. And, quite frankly, the ultimate investors demand a higher return than we would to buy the loans and keep them ourselves. We'd rather keep the loans and pass on better savings to the ultimate customer.
We've long been largely a buy-and-hold player, as well as providing direct financing to institutions through what we call our AgVantage product, which is a securitized lending function. [Banks sell mortgage-backed bonds to Farmer Mac. The bonds are secured by a pledge of the issuer's qualified agricultural mortgage loans and by the issuer's general credit.] And also through our long-term standby purchase commitment program.
We have done securities in the past; in the future, we could. I've talked to people on our board of directors about it, and my view was if the board wanted us to do a securitization, we can do a transaction, but that's not a business. We are here to conduct a business, not a series of individual transactions. The resources necessary are costly. If we can't replicate that many times over, it wouldn't be an efficient way for us to do business.
That being said, we continue to be in conversations about securitization with a number of players and how we might be able to bring that to bear. We think, ultimately, there will be the possibility for us—even if it's only with specific customers, under specific circumstances. That would provide another source of liquidity.
ABABJ: Among the many crops Farmer Mac has been involved with is ethanol production. How is that doing?
Buzby: It's doing fairly well. We got into ethanol at the beginning of 2006, and our portfolio grew to about $335 million at one point. Now, it's down to about $130 million. We did take some losses on that portfolio—most notably in 2008 and 2009. But overall, we've made money on that industry.
We currently don't have any delinquent loans in our ethanol portfolio. We expect that with where corn prices are; once we start to see financial statements coming in from the ethanol producers early next year, we'll see that the producers themselves did pretty well this year. I expect that that portfolio will run off pretty quickly over the course of the next couple of years. It's always a concern because it's a volatile industry, and the economics can shift in a heartbeat with changing corn prices and changing gasoline prices.
There's not a lot of ethanol financing getting done. Nobody's asking us to do it. I think a lot of lenders are in the same position we are. We'll certainly be cautious the next time those sorts of opportunities come about.
ABABJ: What do you think has been the chief lesson?
Buzby: Don't move too far too fast just because you see business opportunity. At the time, we were looking at ethanol as an opportunity to grow and charge higher fees. I wouldn't say we shouldn't have gotten into it, but we initially intended to get into it more aggressively than we actually did. Good thing we didn't.
Tagged under Business Credit, Risk Management, Rate Risk, Credit Risk,


text: When you're serving wines in Riedel's signature stemware, complete the table setting with this coordinating water carafe. An essential addition to any Riedel collection, the lead-free glass serving piece works well at wine tastings and wine-and-cheese parties. It's made at the company's family-owned glassworks in Germany. Dishwasher safe. 31.4-oz. cap.; 3" diam., 9 3/4" high.


text:
Brian Kakas
Brian Kakas' profile on Ceramics Now Magazine - View his works
Appropriate means of creatively adapting to continual changes have been expressed though practices of art, architecture, science and technology. In this new body of ceramic works, entitled "Tectonic Perceptions", the intentions are incorporating methodologies and theories from the mentioned practices to create a "new nature" in structural design for ceramic objects. The pieces seek to celebrate the versatility of clay with an aim of fostering new realizations of architectural space. Travels throughout Asia and an array of rich cultural experiences in China have brought about new realizations within the artist's mind and perceptions of cultural identity, history and space.
These relationships have allowed the artist to explore relationships between the strong elements of tradition and modern identities rapidly evolving around the world. Explorations of these interrelationships and the intentions of the maker and his material have led to the new structural ceramic designs. Through his aspired process of invention, it is the artist's intent to find a natural form by staying true to chosen materials and their inherent properties. The artist is in pursuit of finding and establishing a formal vocabulary that allows sculptural vessels to exhibit qualities of both unique and handcrafted objects of traditional cultures with that of machine made and mass-produced objects of our contemporary society.
Brian Kakas is an Assistant Professor of Ceramics at Northern Michigan University. He received his MFA in ceramics from The University of Notre Dame in 2007.


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You know that time of the day when the sun is about to come up, and the whole world seems to be asleep? There's no rustle and bustle; no noise; just the peaceful, calm morning air. You've often found yourself there, on the beach watching the sun rise, embracing the sweet quiet morning air. The next time you decide to take a morning walk along the shore or just chillax in the sand, bring along this Serene Morning poncho from Roxy to keep you comfy and warm. This loose fit, woven poncho features open sides trimmed with vibrant colored fringe and colorful stripes woven into the hemline. It's the perfect addition of tranquility to your peaceful, quiet mornings before you have to face reality.
- 85% Cotton/15% Rayon
- Colored fringe edges
- Drop tail
- Imported
- Model shown is wearing size XS/S
- Open sides
- Soft, lightweight woven poncho
- V-neck
- Woven, colorful stripes near bottom hem
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Special event items are produced by manufacturers only after the outcome of a game or event. These are advanced sale items and will ship immediately after they are received in our warehouse.
Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.


text:
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text: Have any of you other Onza owners noticed that your sight mounting bracket and your arrow rest bracket are not inline with each other? I have probably one of the first Onza 3 bows built and ever since I got it the sight bracket angles outward away from the riser. If you look down the edge of the riser it is no where near inline with the rest bracket. The bow shoots great but sometimes it just bugs the heck out of me is all. Tried tp load a picture but for some reason it won't attach. Will keep trying to get it uploaded.


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Barbara was tired. She had no idea that merging wants, needs and desires in marriage would be such a challenge. She and her husband had overcome many challenges, but their greatest ongoing problems surrounded money. Her spouse was a spender, she was a saver; she liked to balance the checkbook to the last penny, her husband hadn't entered anything in the register in years.
The result was numerous volatile eruptions and conflict that both she and her spouse wanted to avoid. It shouldn't have been a surprise. Experts agree that finances can be the number one cause of marital strain.
It's understandable that financial struggles can cause strain because how people spend money is never just about the money—it reveals attitudes about what you value most; it reveals deeper character issues. These are some of the reasons blending financial habits can be very challenging.
But there is hope!
In this series of articles, we've provided great ideas to help you and your spouse make your marriage stronger by tackling the issue of money management in marriage.
For this reason a man shall leave his father and his mother, and be joined to his wife; and they shall become one flesh (Genesis 2:24). So they are no longer two, but one flesh. What therefore God has joined together, let no man separate (Matthew 19:6).
Money is one of the major causes of friction in a marriage, and it's no wonder. Living in a world in which we are constantly worried about taking care of ourselves, it's easy to forget that marriage is a commitment to forge a new life with another person. The lack of trust emerging from society has created prenuptial agreements and separate bank accounts. These undermine the commitment to a shared life with a spouse and are contrary to biblical teachings.
Whenever financial issues begin to get out of hand in a marriage, the first thing to do is to pray about them. There is no substitute for God's answer. Second, you might try using a marriage counselor who is trained to help couples resolve issues diplomatically.
A husband's and wife's incomes in marriage should be merged and shared. Someone should be in charge of keeping a budget for the household, and whatever funds there are should be held mutually. This will require a lot of faith in the Lord, as well as in your spouse.
Don't forget to ask God what He wants you to do with your money. He made you stewards over your finances for a purpose, so you should always remember to ask what His plans are. Many blessings can come from appropriate money management in marriage.
The Word of God has basic principles that govern every aspect of marriage, including His minimum financial standards.
Although often these biblical principles are in marked contrast with the world's ideas concerning money, if couples will dedicate themselves to living by God's principles they will avoid many potential financial problems.
The primary financial principle taught to married couples by the world's financial institutions is called OPM, or Other People's Money.
However, this principle is nothing more than a credit mentality and a credit standard -- the ability to borrow that allows couples to buy things they really cannot afford to buy.
This principle works great during the early years of marriage, because it allows couples to accumulate a lot of things they otherwise cannot afford to buy.
Unfortunately, there always comes a day of reconciliation, when the bills for all those things comes due.
Before they realize it, because they built too much too quickly, using too much debt, married couples find themselves in debt far beyond their ability to repay.
God requires minimum financial standards of finance in marriage for His people.
If couples establish these minimum standards and determine to make them an essential part of their financial management, they will, without a doubt, lay a strong foundation for a healthy and balanced marriage.
The following are four primary minimum standards of finance found in God's Word that all couples are encouraged to adopt.
God owns everything."We have brought nothing into the world, so we cannot take anything out of it either" (1 Timothy 6:7). Once couples accept the fact that God owns everything and that they have been chosen to be stewards or managers of God's property, it's important for them to manage according to His principles and standards.
It's how we faithfully manage what He has given us that will determine whether He will give us greater things to manage. "Well done, good and faithful slave. You were faithful with a few things, I will put you in charge of many things" (Matthew 25:23).
So, since in a marriage a husband and wife are one, the financial assets and incomes of both husband and wife should be merged and they should operate from a unified financial management base, rather than from a separate and independent management base.
Think ahead and avoid problems."Which one of you, when he wants to build a tower, does not first sit down and calculate the cost to see if he has enough to complete it?" (Luke 14:28) Too often couples put off planning until they are so deeply in debt that it seems impossible to get out. By then it is too late to plan, except for crisis planning. Couples need to begin planning by writing down their goals and objectives, which should include a yearly balanced budget.
These goals and objectives need to be reviewed yearly. Obviously one of the first goals is to avoid financial bondage by staying out of additional debt and committing to pay off existing debt.
This doesn't necessarily mean that they shouldn't borrow, but borrowing to buy consumables, such as gifts, vacations, and clothes, should be avoided. This type of credit debt will put a couple back into insurmountable debt faster than they can pay themselves out of it.
Keep good records."By wisdom a house is built, and by understanding it is established; and by knowledge the rooms are filled with all precious and pleasant riches" (Proverbs 24:3-4). It is impossible for couples to have their finances under control unless they understand the basics of good bookkeeping.
Recently it was discovered that less than two out of 10 couples know how to actually balance their checkbooks. This means that many married couples seldom know how much money they have to spend or how much they are spending.
Couples should develop their financial plans together and work together, but there should be only one bookkeeper in the home who pays the bills. Two bookkeepers invite bookkeeping disaster.
Get educated."The naive believes everything, but the sensible man considers his steps" (Proverbs 14:15). Most financially naive couples are not stupid regarding money; they are just ignorant and do not understand how borrowing and interest rates work. As a result, their primary concern becomes "How much are the monthly payments?" rather than "How much is this going to cost ultimately?"
In addition, many times the naive people borrow more money than they can repay because they have no budget. In essence, they have no idea where their money goes each month or how much credit their income can support.
Couples need to learn financial management and budgeting and use that information to avoid debt or financial problems.
God's Word provides standards for managing money that are essential for marital unity. If couples study these biblical principles, learn them and put them into practice in their marriages, and adhere to those standards no matter how tempted they are to adopt the world's standards, their marriages will be strong and will remain sound.
In a marriage, there is no "my money" and "your money" or "my debts" and "your debts." There is only our money and our debts.
A couple cannot be one if they separate their lives by separating their finances.
God will bring a couple closer if, from the very beginning, they establish God's Word as their financial guide and then follow those principles.
A marriage is not a 50/50 relationship, as many people think. It is a 95/5 relationship on both sides.
Each must be willing to yield 95 percent of their rights to their spouses. If they are not willing to do that, it will not work.
No viable marriage can survive a "his or her" relationship for long, because it is totally contrary to God's plan.
Couples should avoid having separate financial anything, including checking accounts, because when they develop a his money/her money philosophy, it usually leads to a him-versus-her mentality.
Unwillingness to join all assets and bank accounts after marriage is perhaps a danger signal that unresolved trust issues could still be lingering or developing in the relationship.
Budgeting can be difficult, if not impossible, when spouses do not agree on basic money management principles. Therefore, they should make all budgeting decisions together.
They also need to agree to hold each other accountable for meeting their financial goals, and devise a plan for regular evaluation of how well they are succeeding.
The couple should come to an agreement on the amount of money that can be spent without first checking with each other. The specific amount will depend on the budget category and the couple's particular circumstances. "Two are better than one because they have a good return for their labor. For if either of them falls, the one will lift up his companion. But woe to the one who falls when there is not another to lift him up" (Ecclesiastes 4:9-10).
Practically speaking, only one person should keep the books.
Even though one person primarily handles balancing the checkbook, both should be fully trained and able to do it.
There is nothing wrong with the wife handling the finances in the family if she is the better administrator, but God still holds the husband accountable for the ultimate decisions.
When there is an impasse, the wife must yield to her husband and allow the Lord to work it out. As they work together, encouraging one another, God will show them His favor and grace.
Nevertheless, being responsible as the leader does not mean the husband is a dictator; the couple should discuss and agree on financial management.
Both spouses should be involved in paying the monthly bills. Doing so will keep both fully aware of their financial status.
Within a marriage relationship the husband and wife are partners who are dedicated to one another.
A bond of uncompromising devotion creates a healthy atmosphere for togetherness: studying God's Word, praying, and even managing money.
Just as it takes two to make a marriage successful, it takes two to establish a clear line of communication in financial planning.
God's Word describes the tithe as a testimony to God's ownership. It was through the tithe that Abraham acknowledged God's ownership. Thus, God was able to direct and prosper him (Genesis 14:20).
God's freedom cannot be experienced in the area of finances unless:
In the Old Testament the Hebrew people brought approximately 23 percent of their increase to the Lord's storehouse — a physical storehouse. The keepers of the storehouse, the Levites, in turn used what was given to care for the widows, needy foreigners in the area, orphans, and themselves. In the New Testament, the people no longer brought their tithes and offerings to a physical storehouse; instead, they gave of their increase in tithes, offerings, and alms to the church body. The church then used the tithe for spreading the Gospel. The offerings were used for the general and administrative support of the church, and alms were used to care for the poor, widows, orphans, and needy.
Because tithing involves money, it is a prime candidate for controversy between a husband and wife. However, if both spouses are Christians, they should have a desire to please the Lord.
It's important for both spouses to be trained in God's principles of finance. That way, they'll understand that tithing is God-ordained, not just a personal desire that one spouse is trying to impose on the other. Giving should come from the heart. As such, tithing is not a law but, rather, an indicator of obedience to all of God's laws. Because the tithe's purpose is to be an individual or family testimony of God's ownership, it was never intended that everyone should give the same amount or in the same way but that each should give bountifully and cheerfully (see 2 Corinthians 9:6-7).
The problem becomes more complicated when one spouse is an unbeliever. Since it is the responsibility of the husband to be the leader in his home, if the wife is an unbeliever, husbands must obey the Lord's direction. Husbands need to realize, however, that the Lord is more concerned about the wife's soul than about money. If tithing becomes an obstacle to the wife, husbands should consider not tithing temporarily in order to win their wives to the Lord. Husbands need to counsel their wives, pray with them, and seek their opinion and direction but according to God's Word the decision is ultimately the husband's. Because most wives in America today are looking for the strong leadership that seems to be lacking in many marriages, husbands need to take the lead regarding tithing.
If the unbelieving spouse is the husband, the believing wife should submit to his wishes and trust that her submissive attitude will win him to the Lord (see 1 Peter 3:1-6). Remember it is not the money but the attitude of the heart about which the Lord is most concerned. If wives have made commitments to give and their husbands object to giving, God sees the desire of the wives' hearts to tithe and He will honor that commitment, even though wives honor their husbands' wishes. God will bless because of the wife's attitude, not because of giving.
However, a wife might still ask her husband to let her give an amount smaller than the tithe for at least a year. If, at the end of the year, the family is worse off financially as a result of giving, she will agree to stop giving. If the family is better off, the husband may agree to give more. In Malachi 3:10, the Lord says to test Him in this thing (tithing). Often this is just the opportunity for God to prove Himself real to a doubting spouse.
Giving the tithe is the outward expression of inner commitment — or lack of it. It is material and financial surrender prompted by spiritual surrender. However, if couples do not tithe because one spouse objects to tithing, the subject should be placed "on the back burner," until they are able to discuss and study the principles of tithing together.
Fifth grade science taught me that appearances can be deceiving. I learned that when looking at an iceberg, we only see the small portion that sticks out of the water. The largest part of an iceberg — typically 80-90% —remains unseen, hidden below the water's surface.
Financial conflict is like the tip of an iceberg. Many couples cite money problems as the reason for marital strife when the true source of their conflict is a larger issue lurking below the surface. In my years of working with couples in crisis, I've found that financial issues are usually a surface problem driven by deeper issues.
It's easy to mistake finances for the real issue if you argue about it on a regular basis. However, the fact that the same financial arguments happen over and over without being resolved indicates that the real problem is something deeper. That "something deeper" is what we call a core issue. If core issues are not dealt with, surface issues — like finances — will keep popping up. It's kind of like trying to keep a balloon below the surface in a pool of water. You keep pushing it down, but it keeps right on coming up.
If you've tried to resolve arguments related to finances, but they keep popping up, it may be time for you to look below the surface. Here are a few questions to ask:
Do we have a breakdown in communication? If you fail to communicate your thoughts, desires, preferences and so on, your spouse is left to guess what they are. Guessing often leads to misunderstanding, which can lead to hurt feelings and even resentment.
If the only time you try to communicate about finances is when you're already upset or angry, your emotions will get in the way and the conservation will most likely lead to harsh exchanges of words and end up going nowhere. It's important to talk about sensitive issues in a way that is comfortable for both of you.
Try writing down your concerns or desires versus trying to explain them when you're feeling emotional. Be clear about what you need from the other person regarding spending, budgeting, help with balancing the check book and how to get out of financial holes. Don't begin your conversations in a negative tone and expect something positive to come out of it.
Be kind and compassionate to one another…—Eph. 4:32(KJV)
Am I harboring unresolved hurt or resentment? Sometimes it's easier to argue about money than to admit when we have hurt feelings. If your spouse has hurt you and you're still harboring that hurt — or maybe even resentment — you're going to see everything through that filter of hurt. When your spouse tries to discuss financial issues, you'll be more likely to overreact.
Instead of letting hurt and resentment hinder your relationship, gather the courage to deal with the hurt. Bring it out in the open in a healthy way. Do it before tackling financial issues. That way you'll be able to discuss your financial issues without the extra burden of emotional baggage.
Do not let the sun go down while you are still angry. — Eph. 4:26 (NIV)
Am I afraid to face the truth? Are you afraid to talk about money for fear that your spouse will discover you made an unwise decision, spent money you shouldn't have, didn't pay the bill when you were supposed to, or have kept other financial secrets?
Dishonesty always reaps a negative outcome. If you make a significant financial decision without talking to your spouse, your actions will almost never be well received. If you've been hiding something you did or did not do, the real issue is not about finances, it's about being honest. Dishonesty destroys trust. When trust is destroyed, your spouse will not trust you to make future decisions, which can leave you open to feelings of resentment, and the cycle repeats itself. Trust has to be rebuilt in a marriage before sensitive and important issues like finances can be addressed properly.
Speak the truth to each other. — Zec. 8:16 (NIV)
By communicating in a clear and loving manner, getting rid of emotional baggage and embracing honesty, you and your spouse can lay a smooth foundation on which to build your financial future.
Making no effort to be quiet, Graham comes to bed. It's about 1:00 a.m. Anna has been asleep for three hours, but she's wide awake now.
"Anna," says Graham, "we're never going to make it if you keep spending so much money."
Stress squeezes Anna's stomach. She knows Graham has been working on their finances. She'd like to pretend she didn't hear him, but figures she can't.
She turns toward him. "Honey, what can I do? I try not to spend too much. There are things that we need."
Graham sighs. "We need $50 worth of makeup from Dillard's? We need $120 worth of groceries a week? We need to buy new furniture for the living room and put up new curtains? These are not needs, Hon."
Anna stares at the ceiling. "Okay, the furniture and the curtains may not be needs, but my makeup and—"
Graham interrupts, "Honey, you're beautiful. You don't need to spend that kind of money on makeup."
"But that's what it costs. And I don't buy it that often." She tries to snuggle next to Graham, but he pulls away.
"Are you kidding?" he says. "I'm so stressed out, and you think you can just cuddle up and be cute and it'll all be okay. You've got to take some responsibility here, Anna. Things are not okay."
As Graham and Anna have found, it can be a huge problem between husband and wife when one of them spends–or seems to spend—too much. But it's a problem the two of you can face and conquer together, especially if you keep the following principles in mind.
Understand that you're on the same team when it comes to finances. Chances are that neither of you wants to be told by your spouse exactly how much you can spend or where you can spend it. This doesn't communicate respect or trust for one another.
You can start by agreeing that you both want the same things concerning money — a certain amount of security and a certain amount of freedom. Those amounts may not be the same, but the general goals are. More importantly, you both want to emphasize the health of your relationship over the details of accounting.
When you're on the same team, it's easier to come up with creative solutions to spending disagreements. For instance, Graham and Anna might decide that each spouse will have a certain number of dollars set aside for grooming supplies each month or each quarter — rather than spending "as needed" on a "need" that hasn't been agreed upon.
Understand the underlying reasons why your spouse overspends. Let's say a husband and wife go to the mall. The wife buys face powder and the man buys a computer program. Neither accuses the other of overspending.
But what if these people feel compelled to go back to the mall the next day or week? What if the wife buys the newest trend in eye makeup and lipstick? What if the man buys another piece of software he doesn't really require and a memory expansion card that allows him to use it? They may be trying to meet needs that purchases can't satisfy.
You've probably heard a variety of reasons for overspending: deprived childhood, privileged childhood, depression, anxiety, the thrill of the hunt. All of these have one thing in common: a search for security. Consciously or not, the spender thinks something like, "If I have this, I'll be in style." Or, "I'll be accepted." Or, "I'll be safe." Or, "I'll be okay."
Buying things doesn't provide real security. It does nothing to change God's love for us. Due to the consumerism so prevalent in our culture, it's an ongoing battle for many people to let go of the fleeting gratification of things for the long-term security of a relationship with God through Christ.
Before making a purchase, husbands and wives need to ask themselves, "What am I trying to do?" If the answer has anything to do with finding fulfillment or escaping stress or pain, don't buy the item. It will never meet that need. Instead, take your quest for security to your heavenly Father and find it in Him.
If your spouse struggles in this area, support him or her in seeking security from God instead of goods. A pastor or counselor can help.
Understand what things cost and how often they must be purchased. People often enter marriage with very different experiences of spending, saving, and tithing — and preconceived ideas about what things should cost.
Take that husband and wife at the mall, for example. He buys a piece of computer software; she buys makeup from a department store. Each experiences "sticker shock" over the other's purchase.
"How can you spend that much for a little eyebrow pencil?" the husband protests. "You can get a whole box of Magic Markers for the same price!"
"Look who's talking," says the wife. "You just spent more on that computer tax program than it cost to hire that guy to do our taxes last year."
Both partners end up on the defensive.
Marriage counselors sometimes have couples go through lists of purchases, mark down what they think the prices of those items would be, and compare notes. Something like this may be worthwhile if the two of you struggle with the costs of each other's purchases. You may also want to divide the same list into wants and needs, indicate how often you think each item should be purchased, and compare results.
Knowing a certain computer program is purchased once, with upgrades bought every year, for example, will help spouses agree on the real cost. So will learning that $20 worth of powder could last three months for some women and six months for others.
Understand that you must live on less than you earn. Living from one paycheck to the next isn't comfortable for anyone. It can lead each of you to feel taken for granted, used, and insecure about the future of your marriage and finances. That insecurity is heightened when you ask the question, "What if I lost my job?"
The real problem may not be your spouse's spending or earning, but a failure to budget. That was true of Graham and Anna.
Let's look in on them three months later.
They've been working on their finances, reviewing their spending and goals once a week. They've disciplined themselves to take from one area to cover another so that they don't bust their new budget.
Over a cup of coffee Graham says, "Okay, Anna. I've finished looking at our finances for this month."
"I think we did better," Anna says. "I spent more on groceries than we planned, though. Like detergent and fabric softener and stuff."
"So," Graham replies, "that explains the $150 bill at Sam's instead of the usual $100."
"Yeah," Anna says.
"How long do fabric softener and detergent usually last us?"
"At least six months."
"So it's not something we have to buy every 30 days," says Graham.
Anna shakes her head. "No, no."
Graham sighs, relieved.
You know those newlyweds who sip iced lattes in the spa outside their five-bedroom Tudor while planning their next trip to Italy?
Neither do I.
Most people I know started out eating mac and cheese in a cramped apartment while sorting stacks of bills.
Weren't your first years of marriage supposed to be magical? Weren't you supposed to take weekend getaways, buy spontaneous gifts and paint the town? So why does it seem that every dime is paying off the past or accruing for the future?
Enjoying the "just married" moments and still saving money is challenging — but you can live well when you prioritize your spending based on the three C's of financial contentment:
If you can't have it all, discover the most important aspects of your activities. What's the best thing about going to the movies? If you think it's the atmosphere, attend an earlier (cheaper) show. If it's discussing films with friends, rent one at home and invite the gang. Figure out what brings you the greatest enjoyment. Then look for ways to have fun without breaking the bank.
When the Joneses are buying hot tubs and big screen TVs, it's tempting to pull out the credit card and keep in step. It's the American way, right? How quickly we forget to thank God for the simplest things. Even hot showers, comfortable homes and cupboards full of food represent luxury to people in most other nations. Challenge yourself to take your eyes off of your neighbor's toys and to reflect upon everyday blessings.
God commanded the Israelites in the Old Testament to give Him the first 10 percent of everything they harvested. This showed they trusted Him to provide the rest. New Testament writers don't play with percentages; they remind us that all we have is God's. The lessons: Give generously and spend wisely. When we invest our time and money in Him, we reveal our hearts. And if you think faithful giving only leads to eternal rewards, talk to someone who consistently offers his "first fruits." He can probably amaze you with stories about God's abundant provision here on earth.
Live better — and smarter — by incorporating the three C's of financial contentment. Here are 20 money-saving tips to get you going.
It's great to dream about the future — and wise to plan for it — with the one you love. But ultimately, your level of financial contentment as a newlywed depends on your mindset. French poet John Petit-Senn summarized it this way: "Not what we have, but what we enjoy, constitutes our abundance."


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San Diego: Charity
San Diego Rocks with Team In Training!
Since 1988, participants in The Leukemia & Lymphoma Society's Team In Training have raised over 1.3 billion dollars for treatments that are saving the lives of blood cancer patients today. Be part of TNT, the leader in endurance sports training for charity, and experience the exhilaration of helping fund the very research that's developing lifesaving therapies that move us closer to cures every day! Register for TNT at www.teamintraining.org/rnrsandiego


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Main Content
Give your favorite driver the burst of power needed to burn up the competition in this Boost Driver tee. It features Brad Keselowski's name and number printed across the chest and a vibrant sponsor logo with a scripted name on the back!
- 90% Cotton/10% Polyester
- Lightweight ribbed T-shirt
- Made in Mexico from American fabric
- Officially licensed NASCAR product
- Rib-knit collar
- Screen print graphics on front and back
- Tagless collar
Special event items are produced by manufacturers only after the outcome of a game or event. These are advanced sale items and will ship immediately after they are received in our warehouse.
Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.


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Prices and availability are subject to change from the time and date that you print this page.
10/26/2014 1:59:01 AM. For Customer Service, please call 800.967.6696
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The Story
Originally designed in 1859, this timeless, curvaceous classic is produced in one of the original Thonet bentwood chair factories. Yellow lacquer finish gives this stylistically versatile and strong chair a pop of contemporary color. Tie on an extra layer of comfort, custom fitted to our Vienna chair collections.
Details and Dimensions
Vienna Yellow Side Chair. 18"H seat; 16.5"Wx21.25"Dx35.5"H
- Bent beechwood frame and seat
- Yellow lacquer finish
- Cushion cover is %100 cotton twill
- Zipper closure and tie attachments
- Made in multiple countries
Seat HeightHeight: 18" Seat DepthDepth: 16" Overall DimensionsWidth: 16.5" Depth: 21.25" Height: 35.5"
- Dust with soft dry cloth.
- Do not leave spills unattended.
- Wood characteristics: grain, knots, pitting, mineral deposits.
- For soil build-up, wipe with damp cloth & dry.
- Do not use abrasive cleaner.
- Spot clean with mild detergent and water.
- Protect from heat and liquids.
Return/Exchange Policy
At Crate and Barrel, we take great pride in the quality and craftsmanship of our furniture. Attention to detail in design, materials and construction is always at the forefront. Every item in our collection is carefully inspected before leaving our distribution center. We encourage you to also inspect the furniture upon receipt of your purchase. In the event that damage occurs in transit, or if you discover any defect in manufacture, please contact us at 800.606.6462 or, for orders placed through a store, please contact the store where the sale originated within 7 days of delivery.
Likewise, if you are not satisfied with your stock furniture purchase for any reason, please contact us within that same 7-day window. (Notably, for Stock Plus and Custom upholstery items, returns and exchanges are limited to transit damage or manufacturing defect.) If contacted within that 7-day window, we will arrange a pick-up of the items and will accept a return provided the return is completed within 90 days of delivery.
Upon return, your merchandise will be inspected. Appropriate exchanges, credits and refunds will be issued for the purchase price of the item(s) and for any taxes due to be refunded in accordance with applicable state law. Shipping and delivery charges are nonrefundable, and return shipping or pickup fees may apply. In addition, in certain circumstances, a usage or restocking fee also may apply. Orders eligible for cancellation will be refunded in the original form of tender.