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SACRAMENTO – Of the roughly $43,000 California spends annually to house each of its prison inmates, just 5 percent goes toward rehabilitation programs.
That will have to change – in a big way – if the state is reduce its inmate population and avoid a federal court takeover of its troubled prison system, according to a report released Friday.
New programs and policies for inmates and ex-cons could eliminate the need for as many as 48,000 prison beds, the report said. The experts who developed the study estimated that could save California taxpayers $561 million to $684 million per year – about 5 percent of the total amount proposed for next year's corrections budget.
More money spent on education, job training, drug treatment, anger management and other programs would lead to less money needed for incarceration because fewer paroled inmates would get in trouble again and return to prison, the report said.
The study was requested by state Sen. Mike Machado as a part of his oversight of the Department of Corrections and Rehabilitation budget through a Senate subcommittee. He called the recommendations, compiled by a panel of 17 national experts, "sound principles for managing our prisons."
The report comes at a time when Gov. Arnold Schwarzenegger and state lawmakers are trying to avoid a federal takeover of the overcrowded prison system, which is about 70 percent over capacity.
They have approved a $7.8 billion building program that will add prison and county jail beds, as well as space for mentally ill inmates and those needing health care services.
The panelists said a significant boost in rehabilitation funding could be enough to deter draconian steps being considered by federal judges who have oversight of some prison operations. Those judges are considering steps that could lead to the early release of inmates or a capping of the prison population.
Just $2,053 of the $43,287 California spends to house an inmate is for rehabilitation or training. Such programs are crucial if inmates are to avoid a return visit, the study said.
"Half of all prisoners being released (in 2006) had sat idle during their entire prison stay," without participating in a single rehabilitation program, said Joan Petersilia, a criminology professor at the University of California, Irvine, and co-chair of the panel.
The report said the state should spend between $628 million and $652 million a year on new rehabilitation programs for inmates and parolees, expenses that would be offset by the savings from having fewer inmates in the system. In addition, the $300 million now going toward such programs could be spent more effectively, according to the experts.
California prisons also offer few incentives for inmates to improve themselves, the report said.
The panelists urged lawmakers to imitate efforts in Pennsylvania, Washington and Ohio in offering shorter sentences or minimal pay to inmates who complete rehabilitation programs.
California inmates, for example, get paid for sweeping their cellblock but earn nothing for attending classes, said panel member Joseph Lehman, who formerly headed corrections departments in Washington, Maine and Pennsylvania.
In response to the report, Corrections Secretary James Tilton ruled out reducing inmates' sentences and releasing them early as an incentive for completing various programs.
But he did embrace lesser incentives, such as increased visitation rights, long-distance telephone calls or vouchers inmates can use to purchase goods.
He also said the state needs to take other steps, such as finding community treatment programs for parole violators who now are sent back to prison for a few months.
"They test dirty for drugs, put them in a drug treatment program" instead of a prison cell, he said.
Assemblyman Todd Spitzer, R-Orange, also was skeptical of early release incentives. He said most inmates already are released after serving half their sentences, even if they don't participate in rehabilitation programs. "We are already way too generous with incentives," said Spitzer, chairman of the Select Committee on Prison Construction and Operations.

subset: commoncrawl


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John H. Bushweller
- BA, Dartmouth College
- PhD, University of California, Berkeley, CA
- Postdoc, Eidgenössische Technische Hochschule, Zürich, Switzerland
Primary Appointment
- Professor, Molecular Physiology and Biological Physics
- Phone: 434-243-6409
- Email: firstname.lastname@example.com
- Website: http://www.people.virginia.edu/%7Ejhb4v/
Research Interest(s)
Structural and Functional Basis for Oncogenesis; Targeted Drug Development; Structural Studies of Membrane Proteins
Research Description
Structural and Functional Basis for Oncogenesis.
Our lab is fundamentally interested in understanding, from a structural and biophysical perspective, the functioning of proteins involved in regulating transcription, particularly those involved in the dysregulation associated with the development of cancer. Structural and functional characterization of the native forms of these proteins and their relevant complexes via NMR spectroscopy, X-ray crystallography, and a variety of other techniques provides a baseline of understanding. Subsequent characterization of the oncoprotein forms then provides a detailed understanding of the molecular mechanism of oncogenesis associated with altered forms of these proteins. Such knowledge leads to novel avenues for the design of therapeutic agents to treat the cancers associated with these particular oncoproteins. Our current focus is structural studies of a novel transcriptional enhancer referred to as the core-binding factor (CBF). This heterodimeric protein is essential for hematopoietic development. Gene translocations associated with the genes coding for the two subunits of CBF produce novel fusion proteins which have been implicated as playing a role in more than 30% of acute leukemias. We are carrying out structural and functional studies of the oncoprotein forms of the two subunits of CBF that are associated with leukemia. We have now extended these studies to the MLL protein, a key epigenetic regulator that is the target of chromosomal translocations in leukemia which are particularly poor prognosis.
Structure-Based Drug Discovery.
We are using structure-based drug design to develop small molecule inhibitors of the oncoprotein forms of core binding factor as well as of MLL fusion proteins. Our focus is on the development of highly targeted molecules which inactivate the oncoprotein form and have minimal side-effects. Such agents have significant potential for the treatment of the associated leukemias.
Structural Studies of Membrane Proteins.
A third focus for the lab is the application of solution NMR methods to the structure determination of membrane proteins. The vast majority of drug targets are membrane-embedded proteins. This class of proteins has presented significant challenges for structure determination by any method. We determined the structure of the 4 TM enzyme DsbB by solution NMR which established a paradigm for tackling this class of proteins by NMR. We are currently examining additional technical improvements in this area as well as targeting several new systems for structure determination.
Please see our group website for additional information: http://www.people.virginia.edu/~jhb4v/
Selected Publications
- Regan M, Horanyi P, Pryor E, Sarver J, Cafiso D, Bushweller J. Structural and dynamic studies of the transcription factor ERG reveal DNA binding is allosterically autoinhibited. Proceedings of the National Academy of Sciences of the United States of America. 2013;110(33): 13374-9. PMID: 23898196 | PMCID: PMC3746864
- Leach B, Kuntimaddi A, Schmidt C, Cierpicki T, Johnson S, Bushweller J. Leukemia fusion target AF9 is an intrinsically disordered transcriptional regulator that recruits multiple partners via coupled folding and binding. Structure (London, England : 1993). 2012;21(1): 176-83. PMID: 23260655 | PMCID: PMC3545106
- Corpora T, Roudaia L, Oo Z, Chen W, Manuylova E, Cai X, Chen M, Cierpicki T, Speck N, Bushweller J. Structure of the AML1-ETO NHR3-PKA(RIIα) complex and its contribution to AML1-ETO activity. Journal of molecular biology. 2010;402(3): 560-77. PMID: 20708017 | PMCID: PMC2945414
- Kamikubo Y, Zhao L, Wunderlich M, Corpora T, Hyde R, Paul T, Kundu M, Garrett L, Compton S, Huang G, Wolff L, Ito Y, Bushweller J, Mulloy J, Liu P. Accelerated leukemogenesis by truncated CBF beta-SMMHC defective in high-affinity binding with RUNX1. Cancer cell. 2010;17(5): 455-68. PMID: 20478528 | PMCID: PMC2874204
- Park S, Osmers U, Raman G, Schwantes R, Diaz M, Bushweller J. The PHD3 domain of MLL acts as a CYP33-regulated switch between MLL-mediated activation and repression . Biochemistry. 2010;49(31): 6576-86. PMID: 20677832 | PMCID: PMC2916634
- Cierpicki T, Bielnicki J, Zheng M, Gruszczyk J, Kasterka M, Petoukhov M, Zhang A, Fernandez E, Svergun D, Derewenda U, Bushweller J, Derewenda Z. The solution structure and dynamics of the DH-PH module of PDZRhoGEF in isolation and in complex with nucleotide-free RhoA. Protein science : a publication of the Protein Society. 2009;18(10): 2067-79. PMID: 19670212 | PMCID: PMC2786971
- Cierpicki T, Risner L, Grembecka J, Lukasik S, Popovic R, Omonkowska M, Shultis D, Zeleznik-Le N, Bushweller J. Structure of the MLL CXXC domain-DNA complex and its functional role in MLL-AF9 leukemia. Nature structural & molecular biology. 2009;17(1): 62-8. PMID: 20010842 | PMCID: PMC2908503
- Park S, Chen W, Cierpicki T, Tonelli M, Cai X, Speck N, Bushweller J. Structure of the AML1-ETO eTAFH domain-HEB peptide complex and its contribution to AML1-ETO activity. Blood. 2009;113(15): 3558-67. PMID: 19204326 | PMCID: PMC2668852
- Park S, Speck N, Bushweller J. The role of CBFbeta in AML1-ETO's activity. Blood. 2009;114(13): 2849-50. PMID: 19779050
- Roudaia L, Cheney M, Manuylova E, Chen W, Morrow M, Park S, Lee C, Kaur P, Williams O, Bushweller J, Speck N. CBFbeta is critical for AML1-ETO and TEL-AML1 activity. Blood. 2009;113(13): 3070-9. PMID: 19179469 | PMCID: PMC2662647
- Zheng M, Cierpicki T, Momotani K, Artamonov M, Derewenda U, Bushweller J, Somlyo A, Derewenda Z. On the mechanism of autoinhibition of the RhoA-specific nucleotide exchange factor PDZRhoGEF. BMC structural biology. 2009;9 36. PMID: 19460155 | PMCID: PMC2695464
- Erfurth F, Popovic R, Grembecka J, Cierpicki T, Theisler C, Xia Z, Stuart T, Diaz M, Bushweller J, Zeleznik-Le N. MLL protects CpG clusters from methylation within the Hoxa9 gene, maintaining transcript expression. Proceedings of the National Academy of Sciences of the United States of America. 2008;105(21): 7517-22. PMID: 18483194 | PMCID: PMC2396713
- Zhou Y, Cierpicki T, Jimenez R, Lukasik S, Ellena J, Cafiso D, Kadokura H, Beckwith J, Bushweller J. NMR solution structure of the integral membrane enzyme DsbB: functional insights into DsbB-catalyzed disulfide bond formation. Molecular cell. 2008;31(6): 896-908. PMID: 18922471 | PMCID: PMC2622435
- Gorczynski M, Grembecka J, Zhou Y, Kong Y, Roudaia L, Douvas M, Newman M, Bielnicka I, Baber G, Corpora T, Shi J, Sridharan M, Lilien R, Donald B, Speck N, Brown M, Bushweller J. Allosteric inhibition of the protein-protein interaction between the leukemia-associated proteins Runx1 and CBFbeta. Chemistry & biology. 2007;14(10): 1186-97. PMID: 17961830
- Liu Y, Chen W, Gaudet J, Cheney M, Roudaia L, Cierpicki T, Klet R, Hartman K, Laue T, Speck N, Bushweller J. Structural basis for recognition of SMRT/N-CoR by the MYND domain and its contribution to AML1/ETO's activity. Cancer cell. 2007;11(6): 483-97. PMID: 17560331 | PMCID: PMC1978186
- Matheny C, Speck M, Cushing P, Zhou Y, Corpora T, Regan M, Newman M, Roudaia L, Speck C, Gu T, Griffey S, Bushweller J, Speck N. Disease mutations in RUNX1 and RUNX2 create nonfunctional, dominant-negative, or hypomorphic alleles. The EMBO journal. 2007;26(4): 1163-75. PMID: 17290219 | PMCID: PMC1852839
- Cierpicki T, Kim M, Cooper D, Derewenda U, Bushweller J, Derewenda Z. The DC-module of doublecortin: dynamics, domain boundaries, and functional implications. Proteins. 2006;64(4): 874-82. PMID: 16835924
- Cierpicki T, Liang B, Tamm L, Bushweller J. Increasing the accuracy of solution NMR structures of membrane proteins by application of residual dipolar couplings. High-resolution structure of outer membrane protein A. Journal of the American Chemical Society. 2006;128(21): 6947-51. PMID: 16719475 | PMCID: PMC2527590
- Grembecka J, Cierpicki T, Devedjiev Y, Derewenda U, Kang B, Bushweller J, Derewenda Z. The binding of the PDZ tandem of syntenin to target proteins. Biochemistry. 2006;45(11): 3674-83. PMID: 16533050
- Li Z, Lukasik S, Liu Y, Grembecka J, Bielnicka I, Bushweller J, Speck N. A mutation in the S-switch region of the Runt domain alters the dynamics of an allosteric network responsible for CBFbeta regulation. Journal of molecular biology. 2006;364(5): 1073-83. PMID: 17059830 | PMCID: PMC1783549
- Liang B, Bushweller J, Tamm L. Site-directed parallel spin-labeling and paramagnetic relaxation enhancement in structure determination of membrane proteins by solution NMR spectroscopy. Journal of the American Chemical Society. 2006;128(13): 4389-97. PMID: 16569016 | PMCID: PMC3199951
- Liu Y, Cheney M, Gaudet J, Chruszcz M, Lukasik S, Sugiyama D, Lary J, Cole J, Dauter Z, Minor W, Speck N, Bushweller J. The tetramer structure of the Nervy homology two domain, NHR2, is critical for AML1/ETO's activity. Cancer cell. 2006;9(4): 249-60. PMID: 16616331


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By Colin Harris | Staff Writer
It took a long time for Brian Miller, but his Norton Panthers can finally call themselves the Portage Trail Conference Metro Division's best.
Norton survived a low-scoring slugfest on Wednesday to clinch its first-ever division crown, topping host Kent Roosevelt 40-29 in both teams' season finale and ending Ravenna's three-year hold on the championship banner.
With the win, Norton (13-1 PTC Metro) claimed an outright title. Three-time defending division champion Ravenna finishes in second at 12-2, with both losses coming against Norton.
A Metro Divsion championship was a long time coming, according to head coach Brian Miller.
The Panthers had finished as the division's runner-up for four consecutive seasons until Wednesday.
"We've had five cracks at this thing, so it's great to finally break through," Miller said. "Before this season started, the seniors on this team set a league championship as their first goal; they wanted this really badly."
Norton built on a 10-7 lead to begin the second quarter with a 10-4 period that extended the Panthers' halftime lead to 19-11. Senior guard Cara Cook scored the period's first four points, while teammate Brooke Robinson answered a pair of Brianna Rock foul shots with five straight points, including a 3-pointer with 1:07 remaining, that built a 10-point lead for Norton.
Roosevelt's offense struggled all night from the floor with only two field goals in the first half that were separated by nearly 12 minutes of game time.
Norton clogged the lane, taking away dribble penetration and clean lanes at the basket by players like Rock and forward Courtney Olesh, instead forcing the Rough Riders (14-8, 9-5 PTC Metro) to settle for lower-percentage jump shots.
"I think that tonight was a game of missed shots for us," Kent Roosevelt head coach Craig Foreman said. "They wanted to take away (penetration) and force us to hit our jump shots and that really worked for them."
Miller said that he was pleased by the way his team performed defensively with a league title on the line.
"I thought we came into the game a little tight offensively and I don't think we really loosened up until we started to build a cushion," Miller said. "But I was really happy with our defensive effort. We forced (Roosevelt) to shoot from the outside and they struggled with that tonight."
Rock and Olesh each scored quick buckets to begin the third quarter and cut Roosevelt's deficit to four points, but a 9-4 Norton run over the rest of the quarter pushed its lead back out to nine points and sucked the energy out of the road gym.
No player scored in double figures for Norton as Jaclyn Fortner led the way with nine points, joined by Cook with eight. Cook also pulled down five rebounds as a part of a 24-board effort by the Panthers.
Arguably the Metro's top talent, Cook failed to score during a 12-point quarter for the Panthers. However, six of her teammates recorded points to keep Roosevelt at arm's length.
Rock led all scorers with 11 points. The sophomore Roosevelt standout only recorded three field goals, but finished 5-of-6 from the foul line.
Email: email@example.com
Phone: 330-541-9447


text:
Edit Article
wikiHow to Make Low Glycemic Chocolate Pudding
By easy, you can infer that it is quick and limited ingredients which makes it that much more healthy!
- 1/2 cup dark chocolate chips
- 1 (13.5 ounce) can coconut milk
- 1/4 cup Xylitol (sweetener)[1]
- 1 tbsp coconut oil
1Put all of the chocolate chips into the food processor and pulse it until the chips are coarsely chopped.
2In your pot, heat the coconut milk, Xylitol and the coconut oil until it simmers.
3Pour the hot milk mixture into the food processor.
4Process in in the food processor until it is smooth.
5Pour into the dessert containers and refrigerate.
Community Q&A
Ask a Question
200 characters leftSubmit
If this question (or a similar one) is answered twice in this section, please click here to let us know.
- Agave Nectar, which has a slightly lower glycemic index, can be used as a substitute for xylitol.
- Try adding color, flavor, and texture to it by adding fruit.
- Try eating the chocolate pudding with low fat vanilla yogurt for a mixture of delicious flavors.
- Coconut oil is not inherently dangerous. Oils in general are low in the glycemic index, and the liquid oils are much preferable to the paste or oleo solids, but some people shy away from it because of the elevated saturated fats and trans-fats of the tropical oils.
- Many people suffer extreme reactions to Xylitol, including diarrhea, tumors and rapid drop in blood pressure. Many reports about xylitol are exaggerated giving many the impression that it is safe, but to those with sensitivities, it can be very dangerous.
Things You'll Need
- Food Processor
- 4 oz. dessert containers
- Medium sized pot
Sources and Citations
- Original source of recipe is Elana's Pantry
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Top Searches: Jazzmaster, Les Paul, Rickenbacker, Gretsch, JHS
Books & Media
Made famous by Sir Paul McCartney, the 500/1 Hofner Violin Bass is celebrating its 55th anniversary. This is the only book dedicated to this historic guitar. Updated edition features hardcover format, all color and updated with new McCartney photos and letter from the daughter of the founder of Hofner guitars.
The book offers scholarly detail of the fabled history of McCartney playing the two left-handed 500/1 basses. McCartney used the 1961 bass until the recording of With the Beatles in late 1963, when he obtained his second 500/1. He used his 1963 bass almost exclusively during the Beatles' touring career. Although by 1966 McCartney had begun using a Rickenbacker bass in-studio, he did break out his 1961 model for the "Revolution" promo film in 1968 and for the documentary Let It Be the following year. During the shooting, however, the 1961 bass was stolen, and McCartney used the 1963 Hofner for the remainder of the film, including the famous rooftop performance. McCartney has continued to use that Hofner extensively throughout his solo career and continues to use it today.
Shop Brand: Hal Leonard
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Series: BookPublisher: Hal LeonardMedium: SoftcoverAuthor: Yasuhiko IwanadeFinally, the long-awaited English edition of this historic Japanese book is here! The Beauty of the 'Burst pays tribute to Gibson's magnificent Sunburst Les...
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Need a cheap blood test in Jenks, OK? Simply order online and get a cheap blood test at a lab near you (Find More Locations):
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There has been a huge campaign to get African Americans swimming because the unfortunate truth was revealed a couple years ago that blacks and other minorities were not swimming. In fact, in 2009, 57 percent of the black and Latino community's children did not know how to swim. Also, blacks were 2.6 percent more likely to drown than whites in the same age group.
But, it looks like the statistics are taking a great turn for the better as one young hero sprouts up in Georgia. Twelve-year old Justice Pate sprung into action at a hotel pool where him and his dad, siblings and cousins were relaxing after a day at their family reunion.
Justice saw an indistinguishable figure at the bottom of the pool. He thought it was a boy, but was unsure. His dad, Garry Pate, thought it was a "drawing or painting" on the bottom. But before he could try to look into it any further, his son jumped in and pulled up a seven-year old boy, saving his life.
He has been recognized by several government agencies for his heroic efforts. Thanks to Justice, a tragedy was thwarted and the boy and his family had plenty to be thankful for this Thanksgiving.
Read the story of a true hero here.


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San Diego Mud Run
Sunday, March 20, 2011 at 12:00 PM (PDT)
The Mud Run is a challenging 5K run with hills, obstacles, 4-foot walls with mud, tunnel crawls, slippery hill climbs, and oodles of mud pits. View the course map at www.SanDiegoMudRun.com (click course). Race individually, within multiple age divisions, or as a member of a 4-person team.
12:00pm Start. The course and all obstacles must be successfully completed to qualify for prizes. Teams are 4 participants. All team members must cross the finish line together for the team to qualify for prizes. Sorry, there are no race refunds and race numbers are non-transferable – only you can wear your race number. There is no race day registration. Sorry, no dogs, baby strollers or baby joggers on the course. However, all are allowed at the race site. No drugs or alcohol allowed at event. Anyone found under the influence will not be allowed to participate and will forfeit all race fees.
All team members must register together. Sorry there are no refunds, and the race numbers are non-transferable. REGISTER EARLY – This race will sell out!
In order to purchase these tickets in installments, you'll need an Eventbrite account. Log in or sign up for a free account to continue.


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|Annual registration fee: $40.00 per student or $60.00 per family is required.
|Tuition is based upon class length and number of days attended per week.**
|Tuition is due one week prior to the first day of the term. (See Term Calendar.) Late fees will be assessed for late tuition.
|Family discounts of $10.00 per term for the 2nd sibling and $15.00 per term for the 3rd or more siblings.
|Private lessons are available by special arrangement. Call or e-mail for more information.
|Currently enrolled students are entitled to schedule make-ups for classes within 30 days of the missed date.
|Summer tuition can be prorated for vacation if we are notified in writing prior to the beginning of the term.
**Please Note**
Need more information?
Just email us or call us at 425-432-9999!
Please call ahead for confirmation of class space available.
updated 8/14/17


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you didn't? Even this time? D:
you're right on this one, gonna do it in a second
for the future chapters and threads in general
i wld have said that in a better place like my profile tho.
You will be the father of your son.
I edited your Kingdom post slightly.
I'll have to take a look, I know I had to proofread both but I only remember yours.
biggest is when you open in new tab, there's nothing bigger than that I suppose
Merry Christmas, man. Hope the year to come will bring good things.
Do it baby. Let's make things different around here
Lord Cthulhu
The Indomitable Spirit
Mmmm. Beeeer.


text:
LOW RATES: Average U.S. rates on fixed mortgages were little changed this week, hovering near historic lows. Cheap mortgages have helped spur a recovery in the housing market.
THE NUMBERS: The average rate on the 30-year fixed mortgage edged up to 3.52 percent from 3.51 percent last week. That's near the 3.31 percent rate reached in November, the lowest on records dating to 1971. The average on the 15-year loan held at 2.76 percent. The record low is 2.63 percent.
HOUSING BOOST: The lowest mortgage rates in decades have boosted home sales and helped the market rebound. More people are buying homes, which has helped push up prices. The low rates also have encouraged more people to refinance.


text:
Support » Plugins » Friends and Profile plugins (Community)
8 years, 2 months ago
I have heard of plugins like buddy press and profiler which i have used but are not helpful to my situation.
Does anyone know any good plugins that can help me create profiles with addable features (in the code), and allows the user to update his profile without every having to view the actual wordpress portion of the site (admin area).
Also does anyone know a plugin that can make it easy to add friends to your profile and message them?
Thank You


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Dome - Briefcase
March 2010
Date: March 2, 2010
Matchmaker, Matchmaker
Once again, the nation's fourth-year medical students will continue the time-honored ritual of gathering and opening official letters on Match Day to learn which residencies are theirs. At noon sharp on March 18, excitement will peak as 118 soon-to-be physicians open envelopes to learn their fates for the next three to seven years. Specialty choices this year indicate a stronger interest in internal medicine, obstetrics and gynecology, and family medicine than in recent years. "Match Day is another wonderful chance for our community to celebrate the accomplishments and potential of our students," says Tom Koenig, associate dean for student affairs. "Wherever they match, we'll be happy to consider them as one of our own."
Suburban Cardio Care Soars
Since it opened in 2006, Suburban Hospital's cardiothoracic unit has won accolades from patients and families because of a multifaceted approach to care, beginning with "acuity-adaptable" rooms. This means that if a patient's condition worsens, the room—which includes a universal bed—will accommodate. There's also ample space for additional medical equipment, like ventilators, dialysis machines and a balloon heart pump. "Typically," says program director Melody Knapp, "when patients are transferred between units, there can be communication problems, transfer and progress delays, longer lengths of stay and frustration for patients and families. Our unit is ready for any situation, ensures continuity of care and has demonstrated clinical outcomes exceeding national standards." Additional perks: A 24-hour visitation policy, twice-a-day visits from care teams led by cardiac surgeons and lower mortality.
Attn: News Hounds
If you're a news junkie, or if you just want to keep up to date with what's happening at our institution, check out JHMUpdate, our subscription e-newsletter; firstname.lastname@example.com, a daily e-mail highlighting Hopkins in the news; and Hopkins Medicine Today, our online news page at http://www.hopkinsmedicine.org/mediaII/index.html. All three showcase the scope of activities going on within Johns Hopkins Medicine through articles, videos and news releases. There you'll find groundbreaking research, the latest clinical innovations, essays by Hopkins leadership and employee profiles.


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Hemp Nuts: Ancient Superfood
September 06, 2012This article is excerpted from: Fats that Heal, Fats that Kill, Udo Erasmus, Alive Books, December 1993
Hemp Nuts: Nutritional Information
May 07, 2012For thousands of years hemp has been a source of health giving benefits and now thanks to the most modern scientific research we see yet again that the old wives knew best. Hemp oil will make a major contribution particularly in the relief of distressing skin conditions such as eczema.
Hemp Nuts: FAQs
October 07, 2012Answers to many frequently asked questions about Hemp and its many forms
Hemp: Nature's Perfect Food
November 06, 2016Delicious and convenient source of essential fatty acids and easily digestible protein. Canadian organic hemp seeds, THC free.
Hemp Nut Recipes
March 20, 2013EFAs reduce inflammation, prevent arthritis, lower cholesterol. One of nature's most perfect foods! Concentrated sources of protein, amino acids and essential fatty acids. Our hemp is of the highest grade available anywhere.
Hemp Nuts: Complete Nutrition
September 06, 2012Hemp seeds contain all the essential amino acids & essential fatty acids necessary to maintain healthy human life. No other single plant source has EFAs in such an easily digestible form, nor in as perfect a ratio to meet human nutritional needs.
Hemp Superfood
April 27, 2015Hemp seed is often called Superfood because of its wonderful balance of amino acids and essential fatty acids. Essential, Balanced, Whole.
September 27, 2012Basically, nearly all seeds contain some kind of stored energy used as a fuel by the young plant in the first phase of its life. Energy is sometimes stored in the form of proteins, e.g. in the bean family (beans, peas, lentils); yet much more common in the use of carbon hydrates (e.g., cereals) or fat to store energy.
Sprouts: Lentil, Soy, Wheat & Mung Bean
April 26, 2015Sprouts are very nutritious because they contain all the elements a plant needs for life and growth. The endosperm of seed is the storehouse of carbohydrates, protein and oil. When the seed germinates, these become predigested amino acids and natural sugars upon which the plant embryo feeds to grow. This life force we eat is filled with energy which is capable of generating cells of the body and supplying us with new vigor and life.
Nature concentrates important nutrients to start a new life into the seeds. Especially proteins and their constituent Amino Acids, together with Essential Fatty Acids are richly present in seeds. Some support healthy cellular function with highly desirable nutrients that would be hard to find any other way.
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text: Hardware & Home ImprovementThe Hardware & Home Improvement (HHI) business, the Company's new reporting segment as of its acquisition on December 17, 2012, recorded net sales of $34.0 million, a net loss, as adjusted, of $3.5 million, and adjusted EBITDA of $3.2 million for the first quarter of fiscal 2013. Adjusted EBITDA was negatively impacted by a $1.6 million accrual adjustment necessary due to a change in contractual terms relative to product returns with a large retailer. The final several weeks of the calendar year, which in 2012 included only eight working days due to holidays, are typically a seasonally low period and not representative of a full year of HHI results. Liquidity and Debt Reduction Spectrum Brands completed its fiscal 2013 first quarter on December 30, 2012 with a solid liquidity position, including a cash balance of approximately $71 million and $32 million drawn on its ABL facility. During the first quarter of fiscal 2013, Spectrum Brands issued $800 million of term debt and $1,090 million of senior secured notes to fund its acquisitions and pay off its previous term loan. In addition, the Company exercised its option to increase its ABL revolving credit facility from $300 million to $400 million. As of the end of the first quarter of fiscal 2013, the Company had approximately $3,226 million of debt outstanding at par, consisting of its ABL facility of $32 million, a senior secured Term Loan of $799 million, $950 million of 9.5% senior secured notes, $520 million of 6.375% senior unsecured notes, $570 million of 6.625% senior unsecured notes, $300 million of 6.75% senior unsecured notes and approximately $55 million of capital leases and other obligations. In addition, the Company had approximately $25 million of letters of credit outstanding. In the second half of fiscal 2013, the Company expects to use its strong free cash flow to continue to reduce debt by approximately $200 million and delever its balance sheet, consistent with past practice, resulting in leverage (total debt to adjusted EBITDA) of approximately 4.4 times or less at the end of fiscal 2013.


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Mental Health
Nutrition & Activity Benefits for the Mind
TED Talks
TED Talks
Exam Stress
Stress - Canadian Mental Health Association
Quick Stress Relief - Mind your Mind
Coping with Anxiety - Mind your Mind
Nutrition & Activity Benefits to help with a Happy Mind
Healthy nutrition is essential for your brain, which consumes up to 20% of the energy produced by your body.
Unhealthy nutrition and irregular meals have a direct impact on the brain.
Lower learning abilities, memory impairment, lack of energy, impatience and a higher sensitivity to stressors are just a few of the measurable impacts of unhealthy nutrition on your brain.
A physically active lifestyle improves your stress tolerance.
When you exercise, your body releases chemicals that improve your mood. It is not unusual to feel somewhat euphoric and energetic for up to 48 hours after an exercise session.
In addition, being physically active improves self-confidence and often allows you to "release" frustration, stress and anxiety in a positive way. Physical activity can also improve your social life.
However, it should be noted that moderate physical activity (on a regular basis) is the goal - overtraining can have negative effects on your physical and mental health.
Insufficient or disturbed sleep or irregular sleep patterns have a direct impact on your mental health.
They also affect your mood and energy levels. Most adults need approximately eight hours of uninterrupted sleep a day.
Alcohol abuse and street drugs have been linked to several mental illnesses.
Attempting to combat stress with these substances is ineffective - in fact, they usually have the adverse effect and actually increase stress.
Direct yourself to Standard Life website for additional informative resources
Peer Counselling
We all know that College life has its many fun and exciting times, but there certainly stressful times as well. Sometimes when experiences negatively impact your ability to focus academically and to be mindful of your overall wellness, you may want to consider additional help. The supportive Peer Counselling system here at GPRC can help you find a solution. Whether you're feeling down because of homesickness, trouble at home, relationship troubles, unexpected troubles such as family illness, or an overwhelming feeling that you're unable to cope with the amount of anxiety, go ahead and explore your options. Consider contacting the GPRC Peer Counselling group at 780-539-2010 or firstname.lastname@example.com, they're here to help.
The Peer Counselling Center is located in and a counsellor is available from for drop-in sessions based on first come first serve basis. Peer counselling is confidential and specific for .
Mental Health Workshops & Events
Multiple online presentations are available thru the Peer Counselling program with the intent to educate people about the factors involved with Mental Health. These presentations are created by Community Helpers, a program which offers further information and resources for your well being. Each video has a corresponding worksheet. Please click the link below the video and print off the sheet, to follow along with the presentation.
Academic Support
Get help with writing papers, researching articles, citation guides, borrowing books from the GPRC library and various libraries throughout the province. Tutoring services performed by GPRC instructors and Students Peers are also available for subjects such as, Math, Science, Biology, Business Admin, etc. Simply contact the Library Staff to setup a session.
Canadian Mental Health Association


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Sept. 17 marks the 225th anniversary of the U.S. Constitution's approval by the Constitutional Convention in Philadelphia. The need properly to understand and preserve the Constitution has never been greater.
Even though 39 of the 42 convention delegates signed the newly drafted constitution, controversy had just begun. The people of Rhode Island, the only state not to send delegates to the convention, voted 10-to-1 against ratifying the charter. It was ratified when New Hampshire approved it in June 1788 with only 55 percent of the vote; ratifying conventions in Massachusetts, Virginia, and New York approved it by an even slimmer margin.
National constitutions have lasted an average of only 17 years since ours was ratified. In contrast, the U.S. Constitution is the oldest (and shortest) written charter, and America's founders wrote it down for a very practical reason. As the Supreme Court put it in the famous 1803 case of Marbury v. Madison, the Constitution is written so that its rules for government "may not be mistaken or forgotten."
The American people alone may determine what the Constitution says, but the Constitution is really the meaning of its words. President George Washington said in his 1796 farewell address that the heart of our system of government "is the right of the people to make and alter their constitutions of government." For the people to control the Constitution, it must not say what they said but it must mean what they meant.
What difference does this make? In June, the Supreme Court upheld Obamacare's requirement that individuals must purchase health insurance, the first time in history that Congress enacted such a purchase mandate. Congress said that those who fail to purchase health insurance must pay not a tax, but a penalty. The Supreme Court, however, twisted the meaning of a few words and claimed to uphold not a penalty, but a tax. That's all it took for five Justices to engineer one of the greatest expansions of federal government power since the Great Depression.
The Constitution is the rulebook for government, which includes judges. If the Constitution means whatever judges say it means, then government can set rules for itself. This is why every time the Supreme Court makes up something that is not in the Constitution at all, or changes the meaning of something that is, the Court weakens the Constitution itself.
Does it make any sense, for example, that judges claim to find unwritten provisions in our written Constitution? When the Supreme Court in 1965 said there is a right to privacy in the Constitution, for example, it claimed to find that right in some kind of "penumbra," or shadow, emanating from the Bill of Rights. It takes more than shadows to limit government and protect our liberty.
America's founders warned of this very danger. Thomas Jefferson, for example, wrote that if judges control the Constitution's meaning, it would become "a mere thing of wax in the hands of the judiciary, which they may twist and shape into any form they may please." When judges take what the people wrote and what the people meant and remake it in their own image, judges become the supreme law of the land.
James Madison said in his 1810 State of the Union Address that "a well-instructed people alone can be permanently a free people." This Constitution Day marks when a piece of paper was signed, but is also an opportunity to again insist that the Constitution belongs to the people.
Source: http://hatch.senate.gov/public/index.cfm/op-eds?ID=c2fd8128-15ef-4a38-a96b-d7f328adcee2


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The Mama Inch Work Soft Play Toy is hinged together just like a real caterpillar. Flip on its sides and wrap around small bodies for support. Made of easy to wipe clean vinyl and it's light as a feather. kids will love sliding the caterpillar-like soft toy across the floor.
Size: 48"L x 8"W x 8"H
Made by Children's Factory
SensoryEdge specializes in waiting room toys, classroom rugs, children's furniture, and sensory based products. In addition to a great selection, we have many great reasons to buy from us. We have been the leader in this industry for more than a decade. A customer-centered shopping experience has always been our goal and we pride ourselves in giving you a great experience from start to finish. Shop with us today and see the SensoryEdge difference.
Here are just a few of the reason why you should buy from us:


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Each month, Rated People connects over 50,000 homeowners with quality tradesmen - simply enter your job details in the form above to get started.
We'll match your job to the relevant tradesmen in your area - those interested will pay to see your contact details and call you to quote.
As each tradesman expresses interest in quoting on your job, we'll send you their profile and ratings to help you choose the right one for you.
After the work is complete, return to the site and rate your tradesman based on their quality of work, reliability and value for money.
Tree Surgeon
Added 19/07/2017
to remove a tree in garden... no presavation on it.
Searching for tradespeople
Tree Surgeon
Added 26/02/2016
The tree to be felled is a Spruce approximately 40-45 feet in height is located in a sensitive...
Managing your job is easier with the Rated People Homes App, download it today.


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If I had eight hours to chop down a tree, I'd spend six hours sharpening my ax — Abraham Lincoln
Staggering numbers of new and established businesses ignore Honest Abe's advice and fail, with many others barely hanging on. This is indisputable fact.
But avoidable! If they had faced up to business realities they could have overcome these miserable odds and succeeded. You can.
So sharpen your business ax now — hire us to help you form focused, integrated plans that generate action and actually work.
Whether you are a veteran or fledgling owner, manager, investor or entrepreneur starting a new business or seeking to improve or save an existing one, you can all reap rewards.
Lincoln also said, Things may come to those who wait, but only the things left by those who hustle.
Don't you owe it to yourself to explore the possibilities now?


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2003, Catera 33' (true 36') center console cuddy cabin powered by triple mercury 250 efi... boat cruses at 55 mph. tops at 80 mph. FAST CENTER CONSOLE!2 fuel tanks. a 200 gallon and a 400 gallon tank... 600 gallon total fuel capacity. Great for those long bimini trips! Trim tabs, 2x under water ocean LED transome lights. Garfig racing throttles. Garfig gauges, Custome marine machine chrome steering assembly.. Fusion radio, 2x Rockford fosgate amps, 2 alpine subs, 4x Bazooka mids and highs, 2 Pioneer mids and highs, boats sound system sounds great!!! 6 brand new batteries less then 6 months old. 1 livewell, 1 cooler or compartment. Full LED set under gunnel lights up floor all around. Interior in great shape, in and out of cabin. Boster seats! controllable search light. Extra large arch and roof.. Garmin gps, radar, depth finder, fish finder less the 6 months old. VHF w large fold down antenna, rod holders, Bilge pumps, fresh water washdown, salt water wash down, 2008 tripple axel trailer with brand new LED lighting less then 6 months old... Boat in great shape!
Contact Rich Lewis Jr
The Company offers the details of this vessel in good faith but cannot guarantee or warrant the accuracy of this information nor warrant the condition of the vessel. A buyer should instruct his agents, or his surveyors, to investigate such details as the buyer desires validated. This vessel is offered subject to prior sale, price change, or withdrawal without notice.
Engine hours are as of the date of the original listing and are a representation of what the listing broker is told by the owner and/or actual reading of the engine hour meters. The broker cannot guarantee the true hours. It is the responsibility of the purchaser and/or his agent to verify engine hours, warranties implied or otherwise and major overhauls as well as all other representations noted on the listing brochure.
13611 S. Dixie Hwy.
Suite 109-484
Miami, FL 33176
United States


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The body of a woman has been found in a car park in Sydney's south.
Police said they were called to Smith Street, Taren Point, at 2.20pm on Wednesday after the body was found.
It is understood the body was discovered in a pool of blood.
Police said a man who was at the scene when they arrived is assisting with their investigation.
They believe the woman's death is related to a ''domestic incident'', a police spokeswoman said.
"It's not a random attack,'' she said.
She would not say whether the death was being treated as suspicious.
Inquiries are continuing.
with AAP


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Harry B. Crewson Jr., age 89, of Sebring, died at Crandall Medical Center Tuesday morning, January 2
Current subscribers have full access to all online news content as part of their subscription. If you are a current subscriber, please log in with your website account information for full access. If you are a current subscriber, but have not yet registered for access to the website, please call our Circulation Department at (330) 821-1200


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Mihaela Lacramioara Model
Alicia L FernandezModel Female Miami, Florida, US
Mayhem # 2906189
About MeMy goal is to be able to express myself 100% and what better way than through art.
I have practiced martial arts since I was 5 years old and being in front of an audience has never bothered me. I would like to explore new paths this year and reach my full potential as an artist all around. This site is amazing and I wish to only meet the best here and learn from all other artists. I am very passionate in what I do and always give 150% on what ever I do. To be able to meet new artists and people that share the same interests as me is a gift and blessing as it will only help me get to where I need to go in my path
Have you worked with Alicia L Fernandez? Add Credits for Alicia L Fernandez! >>
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Sir Arthur Ignatius Conan Doyle(22 May 1859 - 7 July 1930) was an Irish-Scots writer and physician, most noted for creating the fictional detective Sherlock Holmes and writing stories about him which are generally considered milestones in the field of crime fiction.
He is also known for writing the fictional adventures of a second character he invented, Professor Challenger, and for popularising the mystery of the Mary Celeste. He was a prolific writer whose other works include fantasy and science fiction stories, plays, romances, poetry, non-fiction and historical novels.
Supported by wealthy uncles, Doyle was sent to the Jesuit preparatory school Hodder Place, Stonyhurst, at the age of nine (1868-70). He then went on to Stonyhurst College until 1875. From 1875 to 1876, he was educated at the Jesuit school Stella Matutina in Feldkirch, Austria.
From 1876 to 1881 he studied medicine at the University of Edinburgh Medical School, including periods working in Aston (then a town in Warwickshire, now part of Birmingham), Sheffield and Ruyton-XI-Towns, Shropshire.
Doyle struggled to find a publisher for his work. His first work featuring Sherlock Holmes and Dr. Watson, A Study in Scarlet, was taken by Ward Lock & Co on 20 November 1886, giving Doyle £25 (£2500 today) for all rights to the story. The piece appeared one year later in the Beeton's Christmas Annual and received good reviews in The Scotsman and the Glasgow Herald.
While living in Southsea, Doyle played football as a goalkeeper for Portsmouth Association Football Club, an amateur side, under the pseudonym A. C. Smith.


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JOE HUGHES is plotting a course to not one, not two, but his next three championships after winning the first title of his professional career at the Forum in Bath on Saturday.
Hughes was presented with the title belt as the International Masters light welterweight champion after his runaway points decision over the durable Bulgarian Kristian Dochev. The official scorecard read 100-89 in the 23-year-old Malmesbury lad's favour, meaning he won every round – gaining a two-point margin in the second round when he knocked his rival to the canvas.
Hughes, a former Senior ABA light welterweight champ, now has a pro record of nine wins in 10 fights.
He was delighted with his technically accomplished display and the manner in which he coped with his first 10-round contest, especially after weighing in at his lightest ever – 9st 13lb.
He also reserved some words of praise for the brave Dochev.
"I know I put him down in the second round and I was landing at will throughout, but I never once thought I was close to taking him out," said Hughes.
"He just kept coming forward and was much tougher than I was expecting.
"When I fought from that weight (9st 13lb) before I felt drained after a few rounds but my fitness was excellent on Saturday and I felt good right up to the end.
"Also, after the last three fights my hands have been in agony and I have not been able to throw punches for a month. This time they are absolutely fine."
Hughes, who took along a considerable fan base to Bath, now has his sights on bigger prizes. "I hope to have another local fight in June and then I will be looking to progress through to the Southern Area, English and then British titles," he said.
"My coach and the spectators were all impressed with the victory and I hope this first big step for me as a pro will help to open a few doors."


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We use Protocol Buffers extensively, and from talking to some folks at BayHac'12 it may be time to revisit the state of protobuf in Haskell.
To be fair, the protocol-buffers package is great. It's extremely full featured, well tested and I can't complain about the performance. But when most parties involved are running Haskell, maintaining separate
.proto files is more than just a chore. Properly integrating the
hprotoc preprocessor into a build system has also proven to be a challenge primarily due to the
n:m mapping of source files to target modules.
After spending a little time this evening hacking around, I've come up with an alternate solution that looks promising and doesn't require external files or additional build tools. Though it's far from a production effort, the type-level version of the code is available on Github for all your forking needs.
Note: GHC 7.2 or up is required for
Generic support.
So what does it look like?
By defining a set of types that allow tagging a record field with a field number…
1 2 3
and a few more to override the default base-128 varint encoding…
1 2
… should give you enough rope to write regular Haskell records that are efficiently (de)serialized with very little fuss. Create an annotated record, derive a
Generic instance and you're done.
1 2 3 4 5 6 7 8 9 10 11 12 13 14
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
As you should expect in Haskell, changing a field to an unsupported type such as an
Int will reward you with a nice (if not misleading) build break:
1 2 3
1 2 3 4 5 6 7
Update: 2/8/2013:
Steve and I are working on completing this work, check out our progress on Github.


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CARACAS, Venezuela (AP) — A Venezuelan opposition leader launched his presidential campaign Saturday, challenging President Hugo Chavez to accept him in the race after a human rights court overturned a ban on his candidacy.
Leopoldo Lopez said in a speech to thousands of Venezuelans that Chavez shouldn't try to prevent him from running.
"Since 2008, he's been looking for a mechanism to remove me from the political game," Lopez said. "Mr. President, I ask myself: Are you afraid of me?"
Venezuela's top anti-corruption official had barred Lopez from running for office, but the Costa Rica-based Inter-American Court of Human Rights earlier this month ordered election officials to allow him to run.
Chavez has criticized the court's decision. Government and electoral officials say they will await a decision on the matter by Venezuela's Supreme Court.
"Rights aren't begged for nor given. Rights are conquered and fought for. We fought for our right and we conquered it," Lopez told the cheering crowd.
He urged Chavez to accept the ruling and not "hide behind" other public institutions. Lopez said former Latin American strongmen including Chile's Augusto Pinochet, Argentina's Jorge Videla and Peru's Alberto Fujimori all sought to flout decisions by the rights court.
"Decide if you will be on the side of history of democracy, or on the side of history together with Pinochet, Fujimori and Videla, who also tried to violate decisions," Lopez said.
The former Caracas district mayor was barred from running for office in 2005 by Venezuela's comptroller general, an ally of Chavez. Lopez was accused of receiving donations on behalf of an organization he led between 1998 and 2001 from the state oil company Petroleos de Venezuela SA, where his mother worked at the time.
The comptroller general also sanctioned Lopez in 2004 for alleged irregularities in the movement of funds from one portion of his local budget to another.
Lopez was on a list of politicians blacklisted due to corruption investigations, but he insists he is innocent and notes he never was sentenced in a court.
Lopez plans to compete against other opposition contenders in a February primary vote that will pick a unity candidate to challenge Chavez in the October 2012 election.
In recent polls, Lopez has trailed other opposition leaders such as Henrique Capriles and Pablo Perez. Those surveys were carried out before the human rights court sided with Lopez in its ruling.


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Key Findings
Global prosperity is at its highest point in the past decade
Whether we look at the global average or weight countries' scores by their populations, the picture remains the same: global prosperity is now three percent higher than it was in 2007. Read more
It looks like you're visiting us from United States, ranked 17th on the 2016 Legatum Prosperity Indexexplore your country on the prosperity globe > Or, click here to see a full list of countries
To mark the tenth anniversary of the Legatum Prosperity Index™ we commissioned ten special reports from around the world.
Prosperity is...
Prosperity is more than just the accumulation of material wealth, it is also the joy of everyday life and the prospect of an even better life in the future. This is true for individuals as well as nations.Find out more.


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I have a very dry and sometimes strange sense of humor (if it wasn't already obvious).
*Myers-Briggs Type Indicator = INTJ "The Mastermind" (I've been told by women I shouldn't mention this)
*Enneagram Type Indicator = Four with a Five-Wing: "The Bohemian"
*For a straight guy I have incredible taste
*I can be moved to tears by art and music
*I never wear a watch
*I love fine tequila, English mustard and bittersweet chocolate (but not all together)
*I named my cat after my favorite sushi chef
*I'm a night owl
*I composed and invented the start up sound on your Macintosh...yup, that was me (somewhat) famous I guess...I was featured in a movie they made about it (No, not "Revenge of the Nerds")
*I'm learning how to play golf
* I play the piano (have a grand) and am also a photographer
*A woman who's confident enough to wear a good hat is sexy (baseball caps are not hats)
*It's important to have your clothes tailored
*Take your own path (unless navigating a minefield)
*The truth is more compelling than fiction
*The best vacations are near warm waters and something ancient. (hopefully not your partner)
*Every culture has wonderful gifts
*Keep your heart and mind open
*Integrity, growth, and being supportive are key elements in any successful relationship
*The ideal date is where we are so engaged in getting to know each another we forget about the time and place
*I love a creative and unique woman with a gentle sense of herself and a kind heart
*A cat person and a night owl would be wonderful
*A woman, like me, who gets excited about learning, because that's how we stay young
*She understands there are many answers to the same question
*She is silly enough to laugh at ourselves and remind us not to take things too seriously
*The world is a big place and she should share my dream of exploring
*She is my "last first date"
MUSIC: JS Bach; Brand X; Dave Brubeck; Kate Bush; Paula Cole; Conjure One; Dead Can Dance; Delerium; Earth, Wind & Fire; Enigma; Brian Eno; Everything But the Girl; Peter Gabriel; Genesis; Gentle Giant; Philip Glass; Grand Funk; Gypsy Kings; Kaskade; King Crimson; Kosheen; Daniel Lanois; Franz Liszt; Paco de Lucia; Massive Attack; Patrick O'Hearn; Mike Oldfield; Ozric Tentacles; Pink Floyd; Portishead; Steve Roach; Shpongle; David Sylvian; Tangerine Dream; Vangelis; Frank Zappa
FILMS: Fearless; Witness; Chasing Amy; The Professional; Jean de Florette; King of the Hill; Sex, Lies, and Videotape; Wings of Desire; Flesh and Bone; The Piano; Birdy; Crooked Hearts; The Hunger; Ex Machina
TV: Jon Stewart, Bill Maher, Discovery Channel, History Channel, Top Chef, Master Chef, Project Runway, American Pickers
HEROES: Archimedes, Leonardo da Vinci, Albert Einstein, Richard Feynman, Peter Drucker (I've been told this line is intimidating women because they wouldn't know who these people are and that women would be worried about not having something to talk about with me)
BOOKS: mostly non-fiction and mostly for research, sometimes history and art, if I want something for entertainment while on vacation a great sci-fi from the likes of Arthur C. Clarke and Orson Scott Card. Other books of interest have been Blink; Freakonomics; Path of Least Resistance; The Hidden Order of Art; The Way of Zen; The Four Agreements; Predictably Irrational; How to Think like Leonardo da Vinci; That's Not What I Meant; Now, Discover Your Strengths; Stranger in a Strange Land
FOOD: yes, everything! sushi/sashimi, soul food, oysters, P&J, pasta, steak diane, tapas in Barcelona, burger in San Jose, tacos in Mexico, pot roast from my kitchen


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The government takes over two 'corporate' credit unions: Does this impact you and your relationship with Educators?
FoolProof Featured On AOL. The free FoolProof financial literacy programs offered by Educators CU were reviewed on March 9 by an AOL columnist. Here's the link to the story.
Trading-in or buying used? Avoid trouble – make sure old loan is paid off.
The government takes over two 'corporate' credit unions: Does this impact you and your relationship with Educators?
You may have heard that a big credit union in California and a big credit union in Kansas were taken over by the government on March 20th. I'm going to give you a rundown on what happened, but first wanted to answer this question: does this in any way impact your funds or services at Educators? It does not.
The two credit unions taken over by the government aren't regular credit unions like this one. They don't have individual members. They are two of the 28 "corporate" credit unions in America which provide services to other corporate credit unions, not to consumers.
There are 28 corporate credit unions. There are over 7500 credit unions providing services to consumers. Those 7500 credit unions are local businesses that operate pretty conservatively. The vast majority of them were never involved in the sub-prime mortgage debacle, and the vast majority are strong as an ox.
In fact, on the very day the credit union regulator announced the takeover of the two corporate credit unions, the regulator said this: "Credit unions that serve consumers remain very strong." Not long before that, the Chairman of the House Financial Services Committee went even further: "If credit unions made all the mortgage loans, then there would have been no sub prime crisis and therefore no economic crisis."
So, what happened? Like a lot of companies in the current economic downturn, these two corporate credit unions saw their investments decline in value. Incidentally, they weren't bad investments, either. One of the most respected credit rating agencies (Fitch Ratings) said this about the Kansas credit union's investments—just two days before the government stepped in. The investment portfolio "is of very high quality with almost 95% of the portfolio being comprised of AAA rated securities." Triple-A securities are about as good as you can get.
"The Wall Street Journal article calls credit unions "Safe Havens."
So why did the government take over these two particular corporate credit unions? Not long ago, the government ran what's called a 'stress test' on corporate credit unions to judge how strong they were. These two credit unions out of 28 weren't judged as being strong. At that point, the government stepped in. The two credit unions are still providing the same services to credit unions, but with different management.
Now, let's get back to you: is this something you have to worry about? It isn't. Every account you have with this credit union is insured up to $250,000 by the government, and if you have multiple accounts, they're insured, too.
If you have a lot of accounts or a lot of money in the credit union, you can determine exactly how much insurance you have by going to the "Insurance Estimator" link.
And while you're going to other links, why not follow our link to the Wall Street Journal's take on credit unions. This article ran on March 15th, and I think it will make you glad you're a credit union member right now. The Wall Street Journal article is entitled "Safe Havens."
Trading-in or buying used? Avoid trouble - make sure old loan is paid off
Around the country, more dealerships are going broke and closing. This has created a big problem for some consumers who traded in a vehicle or who bought a used traded-in vehicle. The now closed dealership where they traded in or bought the used car closed and never paid off the lien (loan) on the car as they were legally supposed to do. What does that mean for the poor consumer?
- Those who traded in the car for a new car may find that if the dealer defaulted on paying the old loan, they must now pay it. They still owe their loan for the new vehicle, too.
- If the consumer has bought a used car on which the dealership didn't pay off the old loan, this consumer may find that the lender of the previous loan repossess the vehicle or demands payment from them, the new owner.
How can you prevent this from happening to you if you're thinking of buying a used car or trading in your old car on a new one? Here are some tips:
- If you still owe money on your trade, pay it off yourself before trading. Having a clear title to the car prevents the above situation. By financing your used car purchase through your credit union, you'll find that they can also help you pay off your existing loan. Instead of trading, why not sell your trade yourself? This IQ article shows you how.
- Ask to see the title of the car you plan to purchase. Make sure that the title is in the dealer's name and not the previous owner's name. Also, there should be no liens on the title (or clear evidence such as official receipts that previous liens are paid off). If the title isn't clear, look for another vehicle that has a clear title in the dealer's name. If the dealer won't show you the title or you have any doubts, go to another dealership.
Of course, before buying any car, read the IQ Car Buying Guide.


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April 2005
The Sarasota/Manatee Farm Worker Supporters recognizes that immigration is a complicated issue. Immigration policy has a substantial effect on the wages and working conditions of farmworkers, and also impacts the ability of unions to effectively organize migrants.
Because of this complexity, immigration questions cannot be resolved through simplistic approaches. The SMFWS believes that several central principles should be the foundation of U.S. immigration policy:
· The United States' treatment of aliens, including undocumented workers, should comply with all international conventions and guidelines, including those not yet formally ratified and adopted by the U.S.;
· Alien workers in this country should be treated equally under the laws with other workers in the United States. In particular, aliens should have the same right to collectively bargain and organize in their workplace as afforded other workers. If employers violate these rights, the alien employees should be entitled to the same legal remedies as citizen and permanent resident alien workers.
· Immigration control should remain the exclusive responsibility of the federal government. State and local governments should not enforce immigration laws, because such actions are at odds with local governments' obligations to protect and serve all residents.
· Aliens, regardless of immigration status, should be entitled to the same rights as citizens and permanent residents with respect to access to relief services in cases of natural disasters.
· Alien farmworkers, regardless of immigration status, should be able (if otherwise qualified) to reside in government-funded farmworker rental housing .
· Aliens, regardless of immigration status, should be able to obtain driver's licenses.
· Government enforcement of immigration laws should focus on employers and others who benefit from, and often abuse, alien workers.
· Whenever the federal government deports an alien, it should take steps to ensure that before the alien departs the U.S., he or she has received all wages due for work in the U.S.
· Guestworker programs should be designed to protect the rights of both the alien guestworkers and domestic U.S. workers employed in the same industry.
· Guestworker programs should be amended so that alien workers are not bound to a single employer during the period they are in the United States, because such situations often lead to worker abuse or exploitation.
· The federal government should expand its current efforts to curb trafficking in aliens. As part of this effort, visas should be readily available to aliens who agree to cooperate with the federal government in these investigations.
· Alien guestworkers should be entitled to the same protections under the Migrant and Seasonal Agricultural Worker Protection Act as other farmworkers.
· The United States Department of Labor should apply nationwide the legal principles of the case of Arriaga v. Florida-Pacific Farms, which required employers of guestworkers to reimburse the workers for their inbound travel costs and their visa expenses.
· The U.S. Department of Labor should resist efforts to reduce or eliminate the adverse effect wage rate paid by employers of guestworkers. There is no reason to abandon this wage in favor of payment based on the prevailing wage in a specific crop.
· Aliens who successfully complete several years as lawful guestworkers should be provided with the opportunity to apply for permanent resident status.
· Alien workers should be able to obtain the benefits of funds withheld from their U.S. wages for Social Security taxes, either by being permitted to obtain Social Security benefits through the U.S. system, or to have these funds transferred to the workers' account in his or her homeland.