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Computer and Assistive Technology Instructor
Title: Computer and Assistive Technology Instructor
Location: Seattle, Washington
Dept.: Employee Community Services
Reports to: Computer and Assistive Technology Instructor Manager
Hours: Full-time (40hrs. wkly.), Monday – Friday, Days
Salary: D.O.E.
Job Number: E030116.1
The Lighthouse is a mission-driven, private, not-for-profit social enterprise providing employment, support, and training opportunities for people who are blind, DeafBlind, and blind with other disabilities.
We are a successful manufacturing organization with over 60 years of experience in precision machining as well as being a professional service provider and federal contractor. We produce an array of machined parts and plastic injection molding for various aerospace manufacturers, as well as a host of office products and hydration equipment. The Lighthouse also offers a variety of services to our commercial, federal, and military customers. These include Contract Management Support (CMS) services for government contracting offices and a Contact Center which places and receives inbound and outbound calls. We also own and operate stores on military bases along the West Coast.
If you are interested in being a part of a dynamic and engaged social enterprise that values: Accessibility, Accountability, Communication, Community, Confidentiality, Respect, Safety, Teamwork, Training, and Upward Mobility, you are encouraged to apply for the below position.
The successful Computer and Assistive Technology Instructor candidate will serve as computer and assistive technology instructor within a computer skills training program for adult learners with a wide variety of visual conditions and computer experience levels. The emphasis of this position is to teach software and assistive technology (AT) use, focusing on AT solutions and devices for people with limited vision, including screen magnification software such as ZoomText and MAGic. Curriculum development and implementation are critical and required components of this position.
Essential Job Functions:
- Coordinate, plan and deliver all aspects of the skills curriculum for the Computer Training Program
- Work with supervisor and coworkers to formulate curriculum and engage in a variety of instructional methods including but not limited to; individual training, group instruction, demonstrations, meetings and workshops
- Instruct students/employees on the use of AT in conjunction with basic to advanced computer skills
- Ensure ongoing student skill development
- Develop and conduct surveys and assessments to identify individual and organizational training needs
- Coordinate with Employee and Community Services and Human Resources staff to conduct creative and effective outreach to Lighthouse employees and others as appropriate
- Maintain files, skills database, provide documentation, data collection, reports, and summaries as needed – all materials should be created and updated in a timely manner, as close to time of service as possible
- Participate in the development of annual budget and work plans
- Work with Lighthouse Communications staff to ensure continued successful funding and marketing of program
- Serve as a liaison with DSB, other agencies, and the community to ensure long-term sustainability and success of the Computer Training Program
- Maintain the strictest confidentiality standards at all times in keeping with LFB/CTP policies and best practices
- Other duties as assigned
Knowledge, Skills, and Abilities Requirements
- Comprehensive knowledge of Windows applications, including MS Office suite and Internet Explorer. Knowledge of alternative browsers (Firefox, Chrome, etc. a plus)
- Comprehensive knowledge of assistive software for blind and low vision users, such as ZoomText, Magic and JAWS. The emphasis of this position will be to support Lighthouse employees in need of training on magnification software and low vision AT solutions.
- Knowledge of an array of assistive technology hardware including but not limited to: refreshable braille displays, cctv, talking book readers, braille/qwerty note takers, electronic wayfinding devices, etc.
- Knowledge of mobile operating systems with an emphasis in magnification and low vision accessibility features in mobile devices (iOS, Android)
- Demonstrated ability to research curriculum and develop additional materials as needed
- Ability to problem solve quickly and effectively
- Creativity & flexibility; ability to change approach as needed, willingness to try multiple approaches depending on needs of individual student
- Ability to take initiative, function autonomously, and be dependable, while working in close coordination with CTP coworkers, supervisor, and other Lighthouse staff
- Kind, courteous, and professional demeanor at all times
- Excellent interpersonal communication skills, including in written materials, teaching materials, email, as well as in in-person communication, both one on one and in group settings
- Ability to communicate effectively and enthusiastically about the programs and services we offer
- Demonstrated excellent organizational skills
- Willingness to travel as needed, possibly for extended periods, between Seattle and Spokane locations, as well as to conferences, trade shows, and other events as assigned
Minimum Requirements:
- Bachelor's degree in Human Services, Education or related field or Associate/Technical degree in Professional Technical Education or related field plus equivalent experience desired.Equivalent training/experience considered.
- Strong technical skills and extensive knowledge of Windows computer hardware and software applications – Mac/iOS/Android skills and experience a plus
- Minimum 2 years of successful teaching/training experience
- Mature judgment and sensitivity in interpersonal relations and among diverse groups
- Must be able to lift up to 20 lbs. and be physically able (with or without reasonable accommodation) to ensure lab equipment is plugged in and in good working order.
- Bilingual ability is a plus
- Three (3) plus years supporting users with low vision utilizing assistive technology – software and hardware preferred
Though you may meet the requirements for work eligibility in the United States, this position requires that you meet special government/military compliance regulations (ITAR-International Traffic in Arms Regulations). This means you must be able to provide legal documentation as a U.S. citizen, U.S. permanent resident alien, or other ITAR compliant status.
Equal Opportunity Employer, Male / Female / Persons with Disabilities / VEVRAA
Please send resume to:
Kevin Daniel, Sr. Director of Strategic Recruiting
The Lighthouse for the Blind, Inc.
2501 S. Plum Street
Seattle, Washington 98144
Fax number: (206) 436-2244
Telephone: (206) 973-4060
E-Mail: email@example.com


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US President Barack Obama has said fixing the country's deficit does not require 'anything radical', just 'tough choices'.
He said the country's fiscal problems were not as bad as those in the EU and that the US was not like Greece or Portugal.
'We simply need to make these tough choices and be willing to take on our (political) bases. And everybody knows it,' he said.
Democrats and Republicans are currently in heated talks about the country's economy, with both sides taking different views as to how to cut the deficit.
Republicans are threatening to block any attempts to raise the country's debt ceiling - the amount it can borrow at any time – unless it gets spending reductions with no tax increases.
The party is also making a push for a 'balanced budget' amendment to the US constitution, which would require the government to only spend as much as it gained in taxes.
President Obama said it would be economic 'Armageddon' for the US to default on its debt, which is a possibility if the debt ceiling is not increased by 2 August.
He has said any deficit reduction plan needs to be a mix of tax increases as well as spending cuts, with tax breaks for wealthy Americans being singled out for criticism.
After five straight days of crisis talks ended yesterday without a clear solution, Mr Obama told a press conference that he had given top lawmakers 24 to 36 hours to talk to their rank and file and return to him with a plan.
Ratings agencies Moody's and Standard & Poor's have both warned that they may downgrade Washington's sterling AAA debt rating.
Leading US creditor China, Wall Street titan JPMorgan Chase and the Federal Reserve have also expressed alarm at the situation.
Standard & Poor said in a statement that it still thought a US default was unlikely but that the possibility was increasing slightly as talks continued to find a solution.
Mr Obama, who is running for re-election in November 2012, has rejected the idea of a stopgap or short-term agreement that would require the debt ceiling to be raised again next year.
'A short-term solution is not something I will sign', he said yesterday.

subset: commoncrawl


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Hello everybody, I've just joined.
I was wondering if anyone knows if PROTHROMBINEX and Cryoprecipitate combined will have the same effect on coagulation as FFP?
The ICU doctors were quite insistent that FFP was the only option however, once the patient made it clear that it won't accept FFP they offered PROTHROMBINEX and Cryoprecipitate.


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The tea party phenomenon is one of the significant puzzles of this year's politics — exciting to some people and alarming to others. By placing it in the historical context of other populist movements, Henry Olsen of the American Enterprise Institute has helped define it — and the important choice Republicans now face.
In an article in the summer issue of National Affairs and a follow-up interview, Olsen, who worked as a legislative staffer in California before joining three conservative think tanks, briefly reviews the checkered history of American populism.
Until the 1960s, it was mainly a phenomenon of the left — led by such figures as Thomas Jefferson, Andrew Jackson, William Jennings Bryan and Franklin Roosevelt.
Conservative populism had an unsuccessful trial run in 1964 under Barry Goldwater but did not flourish until Ronald Reagan took on the Washington establishment in 1980.
Olsen finds Reagan as his model. "Throughout his career, he minced no words when describing the threats to freedom and prosperity posed by unlimited, centralized government," Olsen says, "but when it came to his domestic opponents, Reagan avoided the classical-populist trap of vilifying his political adversaries as outright enemies."
"The populist spirit is back with a vengeance today," Olsen adds, fed partly by anger with Wall Street and partly by frustration with Washington. "Those who believe that the aggressive, angry pitch of the tea partiers' rhetoric will automatically alienate independent voters should think again. … Successful populist movements define adversaries in stark and often abrasive terms."
But this is not enough, he says, and it can be overdone. Bryan failed in part "because he made a majority afraid. Some libertarian populists, with their rejection of every facet of the modern welfare state, are likely to do the same — because even this center-right nation does not want to see the welfare state dismantled."
The need for Republicans, then, is to do what Reagan did — "to propose alternatives that offer a real change of direction without seeming too radical." As the two-term governor, Reagan could answer those who viewed him as dangerous by pointing to the success he had achieved in managing California.
The new conservative populists, Olsen says, need their own positive vision, one that can "turn an intense but transient public sentiment into an enduring political force."
When I asked Olsen if the House Republican plan to draft a new version of the 1994 Contract With America met that need, he responded as I would: Let's see what their ideas are.
The drafters have postponed the moment of truth by conducting a series of grass roots hearings, soliciting ideas from the voters.
Building a majority coalition will require a strong, sensible platform. And a clear separation from the kooks and cranks who sank both Bryan and Goldwater.
David Broder's e-mail address is firstname.lastname@example.com. © 2010 Washington Post Writers Group


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Zoe Saldana Style 2011-01-28 11:55:23
Celeb Style: Zoe Saldana
Zoe Saldana hit a movie screening in Park City, UT, looking gorgeous as ever in a cozy RM by Roland Mouret asymmetrical leather jacket, sheer black tee, and dark-denim skinnies. She accessorized with glossy black riding boots and a dainty white-gold pendant necklace. Her look is chic, snug, and totally effortless — and you can copy her cute look by shopping similar items now.
Image Source: Getty


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Skip to Main Content
How Do I...
Mayor's Office
Arts Program
Public Art
Public Art
What is Public Art?
Public art is visually or experientially meaningful artwork that is accessible to the public. Public art refers to original works of art in any artistic medium, permanent or temporary, a single event or piece, a series of installations or events, or part of an ongoing process enhanced over time. Public art in Beaverton can be as grand as the interior front wall of the Beaverton Library or as simple as artist-designed medallions marking historic properties.
Public art enhances the experience of people in public spaces, inspiring pride of place and contributing to the deeper understanding of that place, its people and history. Public art is a powerful tool in urban place-making – creating lasting connections between people and memorable public places.
Public Art Master Plan
Update to Public Art Master Plan
Beaverton Public Art opportunities:
Mural Program
Sculpture Installtion Program
Revolving Exhibits
Vinyl Art Wraps
Downtown Beaverton Public Art Tour Map
The Public Art Project in Beaverton creates meaningful public places and enhanced civic identity through significant works of art that embrace Beaverton's diverse traditions and history.
Contact Us
Arts Program
Phone: 503-526-2299
Notify Me
Purpose, Process, Scope
Key Findings
Foundation Values
Consultant Recommendations
Public Art Staffing Options
Evaluation of Accomplishments
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text:
Medicaid Demonstration Waivers:
Approval Process Raises Cost Concerns and Lacks Transparency
GAO-13-384: Published: Jun 25, 2013. Publicly Released: Jul 18, 2013.
Additional Materials:
- Highlights Page:
- Full Report:
- Accessible Text:
(202) 512-7114
Office of Public Affairs
(202) 512-4800
What GAO Found
The 10 new demonstrations GAO examined expanded states' use of federal funds and implemented new coverage strategies. Arizona and Texas established funding pools to make new supplemental payments beyond what they could have made under traditional Medicaid requirements and receive federal matching funds for the payments. All 10 demonstrations were approved to use different coverage strategies or impose new cost sharing requirements, including limiting benefits or imposing deductibles for certain populations.
The Department of Health and Human Services' (HHS) budget neutrality policy and process did not provide assurances that all recently approved demonstrations will be budget neutral. For 4 of 10 demonstrations GAO reviewed, HHS approved spending limits that were based on assumptions of cost growth that were higher than its benchmark rates, and that, in some cases, included costs states never incurred in their base year spending. HHS's benchmark growth rates are the lower of the state's recent growth rates or projections for Medicaid program growth nationwide. For example, HHS approved a spending limit for Arizona's demonstration using outdated information on spending--1982 data that was projected forward--that reflected significantly higher spending than what the state's Medicaid program had actually cost. For Texas, HHS approved a spending limit using a base year that included billions in costs the state had not incurred. GAO found limited support and documentation for the higher-than-benchmark limits HHS approved. If HHS had held the 4 demonstrations' spending to levels suggested by its policy, the 5-year spending limits would have been an estimated $32 billion lower than what was approved; the estimated federal share of this reduction would be about $21 billion.
For 6 other demonstrations, the approved spending limits reflected the states' actual historical costs or criteria that were specified in law, which HHS followed. In examining HHS's current written budget neutrality policy, GAO found that the policy is outdated and does not include a process for assuring the reliability of the data used to set spending limits. GAO has previously suggested that Congress require HHS to improve its budget neutrality process, in part, by improving the review criteria and methods, and by documenting and making clear the basis for approved limits. In addition to these suggestions, GAO believes HHS needs to take further actions to address the findings in this report.
Why GAO Did This Study
Medicaid, a $436 billion federal and state health care program for low-income individuals and families, is a significant and growing expenditure. Section 1115 of the Social Security Act authorizes the Secretary of Health and Human Services to waive certain Medicaid requirements and allow otherwise uncovered costs for demonstration projects that are likely to promote Medicaid objectives. By HHS policy, these demonstrations should be budget neutral, that is, not increase federal spending over what it would have been if the state's existing program had continued. States estimate what their spending would have been without the demonstration, and HHS approves a spending based on projected spending.
GAO was asked to review HHS approval of recent Medicaid section 1115 demonstrations. GAO examined (1) the purpose of new demonstrations, and (2) the extent to which HHS's policy and process for reviewing proposed demonstration spending provide assurances that federal costs will not increase. For 10 new comprehensive demonstrations approved from January 2007 through May 2012, GAO reviewed application, approval, and budget neutrality documents provided by HHS; calculated estimated spending limits; and interviewed HHS officials.
What GAO Recommends
GAO recommends that HHS update its budget neutrality policy and reexamine spending limits for the Arizona and Texas demonstrations. HHS disagreed with GAO's recommendations. GAO believes these steps are needed to improve the budget neutrality process.
For more information, contact Katherine Iritani at (202) 512-7114 or firstname.lastname@example.com.
Recommendations for Executive Action
Status: Open
Priority recommendation
Comments: HHS does not agree with this recommendation. However, we continue to believe that HHS should have a formal written budget neutrality policy in place that reflects the Department's actual criteria and processes. HHS's written budget neutrality policy was last issued in 2001 and is not publicly available, and staff have acknowledged that aspects of the policy as written do not reflect their current criteria or processes.
Recommendation: To improve the transparency of the process for reviewing and approving spending limits for comprehensive section 1115 demonstrations, the Secretary of Health and Human Services should update the agency's written budget neutrality policy to reflect actual criteria and processes used to develop and approve demonstration spending limits, and ensure the policy is readily available to state Medicaid directors and others.
Agency Affected: Department of Health and Human Services
Status: Open
Comments: As of September 2016, HHS officials reported that they have not implemented this recommendation. GAO considers it to be open. We will update this information when we receive additional information
Recommendation: To improve the transparency of the process for reviewing and approving spending limits for comprehensive section 1115 demonstrations, the Secretary of Health and Human Services should reconsider adjustments and costs used in setting the spending limits for the Arizona and Texas demonstrations, and make appropriate adjustments to spending limits for the remaining years of each demonstration.
Agency Affected: Department of Health and Human Services
Explore the full database of GAO's Open Recommendations »
Sep 13, 2017
Medicaid Managed Care:CMS Should Improve Oversight of Access and Quality in States' Long-Term Services and Supports ProgramsGAO-17-632: Published: Aug 14, 2017. Publicly Released: Sep 13, 2017.
Technology Assessment:Medical devices: Capabilities and challenges of technologies to enable rapid diagnoses of infectious diseasesGAO-17-347: Published: Aug 14, 2017. Publicly Released: Sep 13, 2017.
Sep 12, 2017
Health Insurance Marketplaces:CMS Needs to Improve Its Oversight of State IT Systems' Sustainability and PerformanceGAO-17-258: Published: Aug 15, 2017. Publicly Released: Sep 12, 2017.
Sep 8, 2017
Medicaid:States Fund Services for Adults in Institutions for Mental Disease Using a Variety of StrategiesGAO-17-652: Published: Aug 9, 2017. Publicly Released: Sep 8, 2017.
Sep 7, 2017
Centers for Disease Control and Prevention:Use of Special Interest Projects to Fund Prevention Research CentersGAO-17-693: Published: Sep 7, 2017. Publicly Released: Sep 7, 2017.
State Health-Insurance Marketplaces:Three States Used Varied Data Sources for Eligibility and Had Few Indications of Potentially Improper EnrollmentsGAO-17-694: Published: Sep 7, 2017. Publicly Released: Sep 7, 2017.
Aug 10, 2017
World Trade Center Health Program:Improved Oversight Needed to Ensure Clinics Fully Address Mandated Quality Assurance ElementsGAO-17-676: Published: Aug 10, 2017. Publicly Released: Aug 10, 2017.
Jul 27, 2017
Air Ambulance:Data Collection and Transparency Needed to Enhance DOT OversightGAO-17-637: Published: Jul 27, 2017. Publicly Released: Jul 27, 2017.
Jul 21, 2017
Medicaid Expansion:Behavioral Health Treatment Use in Selected States in 2014GAO-17-529: Published: Jun 22, 2017. Publicly Released: Jul 21, 2017.
Jul 20, 2017
Telehealth:Use in Medicare and MedicaidGAO-17-760T: Published: Jul 20, 2017. Publicly Released: Jul 20, 2017.
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text:
In continuing the evolution of the Air Jordan 2011, we now take a quick look at the follow-up Jordan model. The Air Jordan 2012 has intricately implemented somewhat of a dress shoe technique, as you will notice the addition of brogue-like perforations present atop the hits of white leather. Underneath, you will find a black patent leather base, which stretches downward onto the midsole. Black Jumpman branding has also been notched alongside, while matching black laces round things out for the upcoming Jordan Brand release.
Source: ye-wa


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I'm torn because it's funny, but yet it's another case of MOTU kind of being the butt of a joke.
Has anyone seen this yet? It's Very amusing. Just a warning, there is some language that may not be suitable for young ones.
If this is not supposed to go here, mods feel free to move it to the appropriate place. Thanks in advance.
updated: official video
Last edited by darkmoon766; April 11, 2015 at 04:55am.
I'm torn because it's funny, but yet it's another case of MOTU kind of being the butt of a joke.
I found the skit smart, with good impressions of what both characters might be like 30 years later, without being disrespectful. The Skeletor impression was the best representation of Alan Oppenheimer's I've heard.
I loved it, I might actually start watching this show now.
Yeah I saw it a few weeks ago when it was on. Was the last episode in the series so may not become a regular feature. Be cool if every week it were a different cartoon character. maybe Lion-O next time.
Oh, that was REALLY funny!
Top want list: Mask of Power Demons, Snake Goddess Teela, GITD Goddess, Snake Mountain Man, Dree-Elle & Montork, 200X Beast-Man, Red Beast, Ra-Jar, Great Black Wizard, Dragoon, King Torius, 200x Centaur Chief, Queen Andreeno.
My seller/trader/buyer feedback:
MOTUC Most Wanted: 1) Stridor 2) Road Ripper 3) Dragon Walker 4) Land Shark
That was pretty cool! Great SKELLY impression!
Odd Man Out
Well I found it very funny - Skeletor stole the show
MOTUC WISHLIST - Karg | Lady Slther | Kothos | Staghorn | Sorceress of Serpos Teela | Hunga the Harpy | Kittrina | Dylamug | Hawke | Angast | Zilora | Artilla | Quakke | Robo-Woman | Great Black Wizard | Enchantress | Red Beast | Delora | DC He-Man | DC Skeletor | Lodar | Fang-Or | Mini Comics Tri-Klops | Filmation Jitsu, Frosta & Kobra Khan | Hans Hammer Holder | Granita |
I don't like MOTU being mocked either but MOTU has to stay in the media as often as possible. If a corny live action movie is made at least the chances of a kicka$$ cartoon movie may happen. No pun on kicka$$.lol


text: Pfister's Vega bathroom faucets are the very essence of contemporary design. Minimalism is at the forefront with sleek lines, a water trough spout, and narrow metal lever handle. The brass construction is finished in your choice of polished chrome or brushed nickel. The Vega bathroom faucet from Pfister is ideal for a smaller bathroom, and can help turn your modern bathroom into an urban masterpiece.


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The suspicion is gaining ground that White Russian Emigrants are responsible for the kidnapping and murder of Meir Koffman, ex-president of the Jewish Community of Harbin. Details of the incident, which profoundly shocked the entire Harbin Jewry, have now been revealed by the Japanese paper, "Harbinskoye Wremys," published by White Russian emigrants.
The report discloses that even after Koffman had succumbed to the injuries which he had received at the hands of the brigands, the kidnappers nevertheless continued their negotiations with his family in an effort to obtain a ransom, while the dessicated body of Koffman was being used to manure their fields. The efforts of the bandits to wrest a ransom from the relatives, however, proved unavailing owing to their inability to produce any letters in the writing of the dead man.
The entire Jewish population of Harbin is panic-stricken. The fear of a similar fate falling to their lot, however, prevents them from pressing their claims for justice. Another Jew, a young man of the name of J. Sherel, was kidnapped by Russian bandits while leaving the synagogue on Yom Kippur night, and although several months have elapsed since that time no word of his fate has been ascertained.


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Cemeteries provide us with a unique link to our past. While many cemeteries contain a few African American graves, some are comprised of only African Americans. The following list shows African American Cemeteries in Florida. You should also check AccessGenealogy Cemeteries for additional listings.
Discover your
family's story.
Enter a grandparent's name to get started.
choose a state:
Start Now
- Hosted at African American Genealogy USGenWeb
- Allen Parish
- Calcasieu Parish
- Cameron Parish
- Concordia Parish
- Natchitoches Parish
- Rapides Parish
- Tangipahoa Parish
- Barnett Cemetery
- Mt. Bethel Baptist Church Cemetery
- Mt. Bethel Baptist Church Cemetery
- Hands of Jesus Christian Center Cemetery
- Macedonia Landmark Baptist Church Cemetery
- Mt. Pleasant Baptist Church Cemetery
- New Start Baptist Church Cemetery
- Pleasant Valley Missionary Baptist Church Cemetery
- St. James AME #2 Church Cemetery
- 409 East Thomas Street Cemetery
- Warren Cemetery
- Hennen-Zemurray Gardens Cemetery
- Gordon Chapel C.O.G.I.C Cemetery
- Gordon Chapel Cemetery
- Butler Cemetery
- Big Zion Cemetery
- New Butler Cemetery
- Bennett Cemetery
- Mt. Olive Baptist Church Cemetery
- Dickerson Cemetery
- St. Helena Parish
- Winn Parish


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Ubisoft is gearing up to release Far Cry 3 later this year and after a few trailers to get things going, it looks like they might begin releasing trailers for specific characters in the game.
Today's trailer focuses on Dr. Earnhardt, the 'pharmacist' that you meet on the island. The inhabitants of the island are anything but sane and Dr. Earnhardt is no exception, but at least he can claim his troubles on a variety of the hallucinogenic plants that he may prescribe you. He might be crazy, but at least he's not the guy in this trailer, right?
Far Cry 3 is due out in September of this year, so be sure to visit http://far-cry.ubi.com/ for more information on the game!


text:
For Immediate Release
December 09, 2009
Released By:
Mayor's Office
For More Information Contact:
Press Office
Mayor's push successful; City to receive 30 percent more in Homeland Security funding
Mayor Thomas M. Menino today announced that the United States Department of Homeland Security (DHS) has added Boston to the list of Tier 1 Urban Area Security Initiatives (UASI) and will now receive 30 percent more in homeland security funding. UASI program funds address the critical planning, equipment, training and exercise needs of major urban areas, and assists them in building an enhanced and sustainable capacity to prevent, protect against, respond to, and recover from acts of terrorism or other major emergencies.
"We've been advocating for Tier 1 status for a long time, and I'd like to thank Secretary Napolitano for recognizing Boston as a world-class city that belongs in the same category as other large urban areas," said Mayor Menino. "Everyone in Boston will be safer because the City will receive more federal dollars."
Boston will receive more than $22 million in DHS funding, with $18.9 million coming from UASI funds and $3.5 million from the Regional Catastrophic Preparedness Grant Program (RCPGP). The RCPGP supports coordination of regional all-hazard planning for catastrophic events, including the development of integrated planning communities, plans, protocols, and procedures to manage a catastrophic event. The increase in funding will enhance communications interoperability, information sharing, evacuation, mass care and medical surge initiatives, and overall emergency response capabilities.
"Urban Area Security Initiative grants play a major role in our efforts to work with Mayor Menino and Boston residents to build a culture of readiness and resilience," said Secretary Napolitano. "This year's guidance focuses on maximizing efficiency and value while prioritizing risk in awarding grants to strengthen our security." Boston, along with Philadelphia and Dallas, joins other large Tier 1 Urban Areas that total ten areas and include Washington, DC, New York City, and Los Angeles. For DHS purposes, the Metro-Boston area includes eight surrounding cities and towns: Cambridge, Somerville, Everett, Chelsea, Winthrop, Revere, Quincy and Brookline.
"While we've made the most of the resources available to us in the past, the City now has the opportunity to take additional measures to keep Boston a safe and secure place to work, live and visit," said Don McGough, Director of the Mayor's Office of Emergency Preparedness. "We look forward to improving integration of public safety agencies and strengthening relationships across neighboring communities."
Mayor Menino has advocated for Tier 1 status through efforts that have included pushing for accurate Census counts. Last week, the Mayor announced that Boston won its Census challenge for the fourth straight year; the official population has grown to more than 620,000, and the City believes that number still falls short by about 10,000 people. Areas with high population counts and density typically receive more federal funding.
For several years, the Massachusetts Congressional delegation has supported this change in status from Tier 2 to Tier 1. In 2007, every member of the delegation signed a letter to then-DHS Secretary Michael Chertoff asking for a full explanation of Boston's Tier 2 classification. The letter called Boston the "key to economic vitality of Massachusetts and the entire New England region" and described the classification as "inconsistent with the sizeable population in the greater Boston region, extensive transportation infrastructure and additional critical assets that require enhanced funding."
DHS has allocated $832.5 million for the 2010 fiscal year to 64 high-threat, high-density urban areas to strengthen preparedness capabilities. The 9/11 Act requires the Commonwealth of Massachusetts, and all states, to use 25 percent of UASI funds for law enforcement terrorism prevention-oriented activities. Metro-Boston is the only urban area in Massachusetts considered a Tier 1 or Tier 2 area.


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Sen. Portman thanks officials for efforts during Toledo water crisis
Mon, 04 Aug 2014 15:15:50 GMT —
U.S. Senator Rob Portman has welcomed the news that the city of Toledo is lifting its water ban. Portman thanked local, state and federal officials for all of their efforts and urged them to continue to collaborate towards determining the cause of the problem and developing measures to prevent this from occurring again.
"Now that the residents of the Toledo region have access to safe and clean drinking water, we must quickly pin-point how these elevated toxin levels occurred and work to ensure this does not happen again," Portman stated. "I will continue to work with all parties to address this problem and to promote legislation - like my bill that combats harmful algae - that protects the health of Lake Erie. I'd like to thank Mayor Collins, Governor Kasich and other officials for their work over the past days as well as those volunteers and private sector companies that generously donated and distributed water. I remain committed to finding long-term solutions to prevent further compromises to our drinking water."
'Our water is safe': Toledo water ban lifted
On Sunday, Portman spoke with Federal Emergency Management Agency (FEMA) Region V Response Coordination Center Director Paul Preusse to report on his visit to Toledo over the weekend. Portman also spoke to the federal Environmental Protection Agency (EPA) to urge them to continue to provide technical assistance as needed.
Saturday, Portman traveled to Toledo to provide assistance to residents and to coordinate efforts with local, state and other federal officials. Portman worked with Toledo Mayor Mike Collins and others on next steps forward and delivered water to Waite High School.
In 2013, the city of Toledo was forced to spend more than $3 million to protect the city's water supply from Lake Erie's harmful algae. Portman has led successful legislative efforts to increase federal involvement and support.
Portman authored the Harmful Algal Blooms (HAB) and Hypoxia Research and Control Amendments Act of 2013 (PL 113-124), which was signed into law last month by President Obama. For the first time ever, this legislation ensures federal agencies prioritize monitoring, research and mitigation efforts on harmful algal blooms in fresh water bodies such as Lake Erie.
Last Friday, Portman was in central Ohio to survey the algal bloom situation in Buckeye Lake, which has had algae warnings issued for the fourth consecutive summer. Portman was joined at a roundtable to discuss the issue by Ohio EPA, Ohio Department of Natural Resources officials, the Ohio Environmental Council, as well as a Molecular HAB Ecologist from the National Oceanic Atmospheric Administration (NOAA).
READ: Kaptur: Public has right to results of Toledo water tests
In June, Portman went out on Lake Erie with scientists and other Great Lake activists and saw the Toledo intake valve and was briefed on the microcystin issue and harmful algal blooms as it relates to drinking water. His efforts have resulted in a coalition of stakeholders that include the Ohio Nature Conservancy, the Ohio Environmental Council, the Ohio Farm Bureau, the Ohio State University's Stone Lab, U.S. EPA, NOAA, the Western Reserve Land Conservancy, and the Lake Erie Charter Boat Association.


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Universal Works' SS10 collection landed at Daniel Jenkins' store last weekend and we felt it was only right that we highlight one of our favourite pieces from a stacked collection. If menswear was set into two camps (which it is) this would defintely be on the 'style' side of the equation. Like most 'style' pieces, it's best suited for those who like to appreciate the finer details (or least like to pretend that they do). [Daniel Jenkins]
Detailed images are (where else?) after the leap.


text:
Publix deals 3/25: Peter Pan, Barilla pasta, sweet potatoes & more!
Posted March 25, 2015
Publix has some very good deals this week including Peter Pan peanut butter, Barilla pasta, sweet potatoes, celery, zucchini, I Can;t Believe It's Not Butter, sour cream, Sabra hummus, Canada Dry sodas & more!
These deals are valid March 25 – March 31, 2015.
Coupon in ad: $10 off the purchase of a $50 Visa gift card with the purchase of $50 or more in groceries. Requires $4.95 activation fee. See ad for details.
Sweet potatoes, .69/lb – good price this week
Celery, from Florida, .99 – good price
Navel oranges, .99/lb
Baby carrots, 1 lb, $1.25
Publix yellow or zucchini squash, from Florida, $1.29/lb – good price this week
Gala, Fuji, Red Delicious apples, $1.29/lb
Bartlett pears, $1.49/lb
Green beans, from Florida, $1.50/lb
Grape tomatoes, 1 pint, $1.50
White mushrooms, 8 oz, $1.50
Red or white seedless grapes, $1.99/lb
Publix salad blend, 5 – 12 oz, $2.00
Strawberries, 16 oz, $2.50
Mini seedless watermelon, $2.50
Red or russet potatoes, from Florida, 5 lb bag, $3.49
Mandarins, 5 lb box, $4.99
Publix Turkey, frozen, $1.19/lb
Publix chicken drumsticks or thighs, $1.69/lb
Publix semi-boneless half ham, or whole smoked fully cooked, $1.79/lb
Publix turkey breast, bone in, $1.79/lb
Publix spiral sliced ham half, $2.79/lb
Semi boneless leg of lamb whole, $6.49/lb
Beef brisket, $6.99/lb
Tilapia fillets, $6.99/lb
Standing rib roast, $7.29/lb
Dairy & Frozen
I Can't Believe it's Not Butter, various, BOGO for $1.28 each - $1 coupon from 3/22 RP = .28 – great price if you use this
Breakstone's sour cream, 16 oz., BOGO for $1.15 each – good price
Philadelphia cream cheese, 7 or 8 oz, $1.50 - .50/2 coupon from 3/15 SS
Publix sweet cream butter, 16 oz, $2.00 (Better deals on butter at Lowes Foods and Aldi this week)
Sabra Humus, BOGO for $2
Bird's Eye Steamfresh vegetables, select, BOGO - $1/2 coupon from 2/22 SS
Breyers ice cream, BOGO for $2.18 each
Tombstone pizza, BOGO for $2.50 each
Edwards and Mrs. Smith's Pies, select, BOGO for $3.69 each - $1 and .50 printable coupons
Misc. Grocery
Barilla pasta, select, 12 – 16 oz, BOGO for .72 each - .55/2 coupon from 3/22 or $1/4 coupon from Smart Shopper coupons link above
Canada Dry sodas, 2 ltr, BOGO for $1 each - $1/2 coupon from Smart Shopper coupons link above
Keebler Town house or Club crackers, select, BOGO for $1.74 each - $1 coupon from KelloggsFamilyRewards.com when you redeem 850 reward points = .74
Pepsi 2 ltrs, BOGO for $1 each
Starburst jelly beans, 13 or 14 oz bag, BOGO for $1.20 each - $1/2 coupon from 3/15 RP
Kellogg's cereals, select, BOGO for $1.33 each - $1 coupon from KelloggsFamilyRewards.com when you redeem 850 reward points = .33 each up
(there are also various coupons in the Coupons tab at KelloggsFamilyRewards.com)
Domino sugar, 4 lb bag, BOGO for $1.50 each
Coupons: .40/1 coupon from 3/15 RP, .75/2 coupon from RedPlum.com or commonkindness.com
Peter Pan peanut butter, 13 or 16.3 oz jar, BOGO for $1.20 – super deal on PB!
Nestle Toll House morsels, 10 – 12 oz bag, BOGO for $1.38
Wesson vegetable oil, 48 oz, BOGO for $2.00 each
Hellman's mayo, 30 oz, BOGO for $2.15 each
Non Food
Easter grass, 1.5 oz 2 for $1
Store Details
Location: Publix at Bradford, 1020 Bradford Plaza Way, Cary, NC 27519 (The store is located at the corner of High House Road and Davis Drive in the Bradford Shopping Center.)
Store hours: Seven days a week from 7:00 AM - 10:00 PM
Publix Coupon Policy basics:
* No double coupons in NC stores
* Limit of 8 of the same coupons per day
* Publix accepts competitor's coupons and competitor's prescription coupons (at the pharmacy). The competitor's for the Cary Publix include Harris Teeter, Lowes Foods, Kroger and Food Lion.
* Can use a Manuf. coupon AND a Publix or Competitor's coupon on the same item
* Cannot combine the manufacturer's digital coupons from their website with paper manufacturer coupons
* No % off or % off total coupons are accepted
* No mobile coupons are accepted
* Coupons for a total off your total order (like $5 off a $20 purchase) will be limited to one Publix and one competitor's coupon per day
* Rain checks are only issued for items that are advertised outside the store (on the radio or TV, or in the weekly ad, mailer, or Internet site)
* No rain checks will be issued for Publix, competitor's, or manufacturer's coupons.
You can see their full coupon policy on their website.
Additional Information
* There is no reward card for Publix stores
* Sign up on Publix.com for digital coupons and use your phone number at register to redeem them
* Find store coupons in the in-store coupon booklet
* BOGO (buy one get one free) offers are each considered a separate purchase and each rings up at half price. A coupon maybe used on each item.
* Download the mobile app. to see sales
Publix was founded in 1930 in Winter Haven, Florida, by George W. Jenkins. They are the largest employee-owned grocery chain in the United States. In 2013, their retail sales were $28.9 billion and they have over 168,500 employees.


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Backing on the Yangtze River to the north and facing the Taihu Lake to the west, Suzhou has a long history of more than 2,500 years, which is famous throughout the world for its classical gardens, towering pagodas, small bridges over the flowing streams and delicate water towns. Suzhou water towns are highlighted by Zhouzhuang Water Town, Tongli Water Town, Mudu Water Town, Luzhi Water Town and Zhouzhuang Ancient Water Town.
Zhouzhuang Ancient Water Town
With 38 kilometers (24 miles) from Suzhou, Zhouzhuang Ancient Water Town was built in the Northern Song Dynasty (960 -1127), which still preserves its original appearance featuring primitive simplicity and elegance.
Zhouzhuang Ancient Water Town is dotted with small rivers and streams, over which a number of elegant bridges of the Ming (1368- 1644) and the Qing (1616 -1911) Dynasties are built, highlighted by Fu An Bridge and the Double Arch Bridge (Shang Bridge). Fu An Bridge was built in the Yuan Dynasty (1206-1368), at each of whose corner stands a pavilion featuring dark grey roof tiles. The Double Bridge was built in the Wanli Period of the Ming Dynasty (1368- 1644), which is composed of two linking arch-bridges.
The civilian residences are lined on the riverbanks in the town, whose white walls and dark grey roof tiles match one another in tranquil elegance, and most of them are of the Ming (1368- 1644) and the Qing (1616 -1911) styles.
Location: 38 kilometers (24 miles) south of Suzhou City
Transport: a sightseeing bus from Suzhou Bus Station will take you there
Opening time: from 8:00 a.m. to 9:00 p.m.
Tongli Ancient Water Town
Tongli Ancinet Water Town is northeast of Wujiang with 20 kilometers (12 miles) from Suzhou and 80 kilometers (50 miles) from Shanghai, which is a time-honored typical water town along the lower reaches of the Yangtze River.
Tongli Ancinet Water Town is scattered among Tongli Lake, Yeze Lake, Nanxing Lake, Pangshan Lake and Jiuli Lake, which is separated into 7 small isles by 15 rivers, and the isles are linked by 49 ancient bridges, highlighted by Taiping Bridge, Jili Bridge and Changqing Bridge. The 160 -meter (175 -feet) long Mingqing Street is paved with flagstone, along which the stores were built in the Ming (1368- 1644) and the Qing (1616 -1911) Dynasties, and visitors can purchase the local specialties and taste local snacks on the street.
In addition to ancient bridges and architectures, Tongli Ancient Town also highlights the Tuisi Garden built in the Emperor Guangxu's reign of the Qing Dynasty (1616 -1911), which was was listed as a World Cultural Heritage site by the United Nations Educational, Scientific and Cultural Organization (UNESCO) for its unique architectural design in 2001.
Location: Wujiang, Suzhou of Jiangsu Province
Transport: a sightseeing bus from Suzhou Bus Station will take you there
Opening time: from 7:30 a.m. to 9:00 p.m.
Mudu Ancient Water Town
With a history of 2,500 years old, Mudu Ancient Town is where the architectural culture, gardening culture, religious culture and folk culture combine perfectly as one, and it is dotted with many places of interest, highlighted by Taiping Mountain, the Lion Mountain and Lingyan Temple.
Mudu Ancient Water Town is home to more than 20 private gardens, which are represented by the Yan's Garden, the Residence of the No. 2 Scholar in the Imperial Examination, Hongyin Mountain House and the Old Pine Garden. There are many anceint streets in Mudu Ancient Water Town, highlighted by Shantang Street, Xiatang Street, Xiasha Street and Zhongshi Street, where visitors can purchase the local specialties and souvenirs.
Location: Zhongshan West Road, Wuzhong District, Suzhou
Transport: bus 312, 315, 43, 511, 58, 63, 65, 662, 02, 505, 5 and (游) 4
Opening time: from 8:00 a.m. to 5:00 p.m.
Luzhi Ancient Water Town
Known as the first water town of China, the 2,500-year old Luzhi Ancient Water Town is nestled southeast of Suzhou with Yangcheng Lake to the north, Dianshan Lake to the south, Jinji Lake to the west, which is famous for its water system, bridges, lanes and celebrities.
Luzhi Ancient Water Town is also known as an ancient bridge museum in China, where over 40 bridge of the Ming (1368- 1644) and the Qing (1616 -1911) dynasties are available. The Memorial Hall of Ye Shengtao, Wansheng Rice Store, Memorial Hall of Wang Tao, Xiao Fangfang Film Art Hall are the main human heritages in the town. In addition, there are 58 old lanes in the town, of which the longest is about 150 meters (164 yards).
Location: Xiaoshi Road, Wuzhong District, Suzhou
Transport: a sightseeing bus from Suzhou Bus Station will take you there
Opening time: from 8:00 a.m. to 5:00 p.m.
Guangfu Ancient Water Town
With 28 kilometers west of Suzhou, Guangfu Ancient Water Town is a famous historical and cultural town in China, and it's nestled by Taihu Lake and at the foot of Dengwei Mountain, which has been a famous place for appreciating plum blossoms since 2,000 years ago.
Guangfu Ancient Town is dotted with places of intrest, including Bronze Kwan-yin Temple, Situ Temple, Sheng'en Temple, Shilou Nunnery
In addition, Guangfu walnut carving is inscribed on intangible cultural heritage list by Chinese cultural relics bureau, which is an ideal choice for visitors.
Location: Wuzhong, Suzhou of Jiangsu Province
Transport: bus 43, 63, 64, 651, 652 and 65
Opening time: from 8:00 a.m. to 5:00 p.m.


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Why And When You Need Channel Management Software
Posted on Aug 20 2012 at 02:12:42 AM in Marketing & Advertising
If for the expansion of your business you're taking help of channel partners like wholesalers, retailers, VARs and so on, you've got plenty to do to keep your channel management running successfully. First, of all you'll have to sign up ideal channel partners, prepare them depending on their roles, contact them effectively and consistently, make an assessment of their sales report as well as keep their motivation levels high at all time so they perform much better.
Issues in Channel Management
Many organizations often have a hundred or even few 1000's of channel partners to maintain. Just in case the situation is managed manually, channel management may become an burdensome task for any company. Time is real money today so investing so much in time day-to-day managing of channel partners can use up large amount of energy as well as resources of a organization . This can even defeat the whole purpose of having a channel management strategy in place.
Answer for the Challenge
To help businesses focus on their primary responsibility which can be sustained development and moreover profit and not let their powers and furthermore resources be used in channel management chores there are advanced channel management software out there nowadays. Well-known firms such as RelayWare offer to personalize software according to the needs and requirements of a company. Lots of technically advanced organizations are increasingly incorporating Partner Relationship Management or PRM software to make channel management easier plus profitable.
Mentioned here are the pros which prm software white papers gives and how you could get channel management software integrated in your scheme of things.
Benefits of making use of Channel Management Software
Advance integrated channel management software keep an eye on your channel partners like their sales and even training need. You can evaluate data quickly plus manage things from a single platform. Getting help of the software lets you communicate easily as well as freely with your channel partners. This further more helps you to greatly improve relationship with partners plus generate a sense of trust and moreover loyalty that's essential for the growth and development of any business.
Another excellent benefit of channel management software is that it frees companies from spending time on coping with tedious activities. With additional time in hand, and moreover with much more organized system in place companies get a chance to pay attention to development and furthermore business expansion.
More details on Channel Management Software
Channel management software are net based application. This can also be included with your customer relationship management (CRM) platforms, for those who have such a software in use. This helps you access up-to-date information from anywhere. PRM software are safe to use and keep your beneficial info protected.
Channel management software are helpful for both small as well as big companies. Because the software helps to help save you time, you'll be able to form more potent strategies to boost sales. Your company therefore stands to profit immensely when you have a channel management software set up.


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NetWellness is a global, community service providing quality, unbiased health information from our partner university faculty. NetWellness is commercial-free and does not accept advertising.
Wednesday, September 20, 2017
Ear, Nose, and Throat Disorders
Maxillary Sinus Cyst/Sinus Pain
I had a hysterectomy about 8 months ago and my ovaries were removed. My sinuses have been acting up since my surgery and I am beginning to believe that the loss of estrogen has affected my sinuses. A MRI showed some mucuosal thickening and a small left maxillary cyst (this cyst was also present on a past MRI done the previous year). I recently discovered a small bump way above my gumline over the 4th tooth back from left front tooth. Is this the sinus cyst I`m feeling? Also, my right sinuses weren`t mentioned on the MRI but I have pain and pressure mostly behind my right eye and to the right side of my nose. No discharge, no fever. Just pain and post-nasal drip. Would a cat scan be a better test for me?
The cyst probably is not causing your symptoms. The issue probably is the mucosal thickening. A CT of the sinuses would give us better information.
Lee Zimmer, MD
Assistant Professor or Otolaryngology, Director of Endoscopic Cranial Base Center
College of Medicine
University of Cincinnati


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Thank you! Your submission has been received!
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*Ingredient amounts are based on using a large (12-14") round platter for serving.
16 oz low fat or fat free sour cream
2-3 Roma tomatoes
1 large green pepper
1 small jar of pimento-stuffed green olives
1 small can (4-6 oz) diced or chopped black olives
1 package (2 cups) finely shredded taco or jalapeno jack cheese
1 package taco seasoning
Tortilla chips (The scoop kind or small rounds work best. The thin style will just break when you dip them.)
Start by chopping or dicing your tomatoes and pepper. You don't want the pieces to be too large, or you won't get a variety of ingredients in each bite!
Next, slice or chop your olives. Again, the smaller the pieces, the more ingredients in each bite. (However, if you have picky eaters, larger slices/pieces of the vegetables are easier to pick out!)
Spread sour cream evenly over the serving dish. Sprinkle half to 2/3 of the taco seasoning over the sour cream. Sprinkle 2/3 the cheese in the next layer. Tomatoes and peppers go on next in whichever order you like (If you do the peppers first, then the tomatoes, it is easier to see if you have missed any areas in the next step). Sprinkle your black olives and green olives over the top of your peppers and tomatoes. Sprinkle the remaining cheese over the top. Sprinkle the remaining taco seasoning over the cheese.
You can serve immediately or refrigerate for a short time before serving. Don't leave it in the fridge for more than 1 1/2 - 2 hours or the sour cream will start to separate and get watery.
© 2017 Cuisinart. All Rights Reserved.
© 2017 Cuisinart. All Rights Reserved.


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Indicia title is "CAPTAIN KANGAROO, No. 780." Code number is CAPT.K. O.S. #780-573. Copyright 1957 by Keeshan-Miller Enterprises Corp. Second of three Captain Kangaroo Four Colors. Based on the 1955-1984 CBS TV series "Captain Kangaroo."
Inside front cover; black and white. Five photos from the TV show tied together with text to form a story.
Inside back cover; black and white.


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Piano Concerto in A minor, Op. 54
2 Pianos, 4 Hands
2 Pianos, 4 Hands Piano Reduction - 2 Copies Needed to Perform. Composed by Robert Schumann. Edited by Peter Jost. Henle Music Folios. Softcover. G. Henle #HN660. Published by G. Henle (HL.51480660).
Item Number: HL.51480660
9.25x12.25 inches.
Published for the first time in a practical Urtext edition. The fingerings were provided by the world-famous pianist Mitsuko Uchida.


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Academy Student Update - Andrew Tomlinson
Andrew Tomlinson is in Level 6 of the Professional Programme. Last summer he received a full scholarship to train with National Ballet School in Canada for 4 weeks. Andrew told us more about his experience.
'The National Ballet School in Canada is one of the top ballet schools in the world so when the Academy told me that they had arranged for me to go and train there for a month over the summer I was over the moon. I felt very privileged to have such a fantastic opportunity and feel that I have benefitted greatly from my trip.
'Firstly it was so exciting to go to Canada for a month and secondly the chance to spend four weeks with such fantastic teachers and great class members was brilliant. I found it really interesting to see other students my age from across the world as it informed me of where I am at with my training. I made a lot of good friends and we are all keeping in touch.
'There were other international exchange students there and we all stayed in the same house which was connected to the main school. The students who train at the National Ballet all year round were really welcoming (and also really good!).
'Whilst I was there I took classes in upper body strengthening, ballet, allegro, variations and modern contemporary. I found the classes challenging but in a good way! I had such a fun time over there taking part in all the classes and at the weekends we had activities planned for us such as a visit to Niagara Falls and a trip to Canada's Wonderland (a theme park) which was great fun.
'Overall I had a fantastic time in Toronto and will always remember my summer at the National Ballet School. I hope one day I might be able to go back.'


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Homework Questions? Ask a Tutor for Answers ASAP
When overestimating an account directly results in giving parties who rely on the financial results, and the integrity of those results, to make decision, there is not doubt that deceit and lying are involved. Moreover, because of the reliance on those lies, which the person responsible for making the financial statements is aware of, there is a direct impact on the safety or risk that the other party is taking. To increase the risk someone takes, without letting that person determine whether they want to take that additional risk, is unethical. In fact, if this company were subject to Sarbanes Oxley, this "overestimating" may be illegal.
When financial statements are prepared quarterly, such "overestimates" can serve to severely misrepresent income and available amounts of cash and accounts receivable. Quarterly statements are required where risk is viewed as high and those statements are supposed to accurately state the condition of a business at a specific date. Where accounts do not accurately reflect the true condition of the business there is no way a lender can take proper precautions.
The question asked what was ethical, not what was legal. Moreover, even if GAAP principles, which may have been written prior to Sarbanes-Oxley end up creating a Sarbanes-Oxley violation due to misinformation, then that may still be illegal. GAAP indicates what is allowed, but it is not a judge of ethics, it is only a list of rules.
I agree that banks are equally to blame for the banking problems today with mortgages, especially because they faced the same problem in the 1970s and have only repeated the same mistakes 30 years later. The biggest problem they had was not so much that they tried to smooth their incomes, but that, instead, they wanted to make it look like they had huge incomes, and created new mortgages to sell them off so that their fee income and loan generation incomes were very high. Their other largest problem was that in order to make those fees and incomes appear so high, they lowered their credit standards and made loans to persons they knew could not afford those loans. That idea was great, as long as the economy was doing well and interest rates stayed low because when the payments on the loans got to high, the lender would just "refinance" (earning new income) and the payments, for a time, would again be lowered.
When the interest rates finally rose, this practice ended. The financial statements hid many, many hidden "secrets."
Is the above complete, it seems it was cut off?


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The below is taken from the TCM Schedule for August 2009: http://www.tcm.com/schedule/month/?cid=N&timezone=PST&oid=8/1/2009
14 Friday
3:00 AM Long Ships, The (1964)
Viking seamen battle a Moorish prince for possession of a golden bell. Cast: Richard Widmark, Sidney Poitier, Russ Tamblyn. Dir: Jack Cardiff. C-126 mins, TV-PG, CC, Letterbox Format
15 Saturday
5:00 AM Julius Caesar (1953)
An all-star adaptation of Shakespeare's classic about Julius Caesar's assassination and its aftermath. Cast: Marlon Brando, James Mason, John Gielgud. Dir: Joseph L. Mankiewicz. BW-121 mins, TV-PG, CC, DVS
26 Wednesday
3:00 AM Solomon And Sheba (1959)
Epic tale of the Biblical king's seduction by a pagan queen. Cast: Yul Brynner, Gina Lollobrigida, George Sanders. Dir: King Vidor. C-141 mins, TV-14, CC, Letterbox Format
8:00 AM Taras Bulba (1962)
A cossack leader clashes with his rebellious son. Cast: Yul Brynner, Tony Curtis, Christine Kaufmann. Dir: J. Lee Thompson. C-124 mins, TV-14, Letterbox Format
10:30 AM Kings Of The Sun (1963)
A Mayan tribe emigrates northward but has to fight off Native Americans. Cast: Yul Brynner, George Chakiris, Shirley Anne Field. Dir: J. Lee-Thompson. C-108 mins, TV-14, Letterbox Format
31 Monday
10:00 AM Alexander The Great (1956)
Biography of the ancient warrior who conquered the known world. Cast: Richard Burton, Fredric March, Danielle Darrieux. Dir: Robert Rossen. C-136 mins, TV-G, CC, Letterbox Format
12:30 PM Richard III (1955)
A hunchbacked madman plots to make himself king of England. Cast: Sir Laurence Olivier, Ralph Richardson, Claire Bloom. Dir: Sir Laurence Olivier. C-158 mins, TV-PG, Letterbox Format
11:00 PM Clash Of The Titans (1981)
A Greek hero fights a series of monsters, including the dreaded gorgon, to win the woman he loves. Cast: Laurence Olivier, Maggie Smith, Harry Hamlin. Dir: Desmond Davis. C-118 mins, TV-14, CC, Letterbox Format
You're welcome.


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Hemmings e-newsletter reader Kent Smith wasted no time e-mailing me with a request for a little something about open-road racing in vintage cars. Well, just above the Silver State Classic on my personal racing to-do list, www.silverstateclassic.com, is the Targa Newfoundland – a rally that w ... Read more
The Hemmings e-newsletter's unprecedented run of one issue without glaring errors slammed into a brick wall last week, as many of you so enthusiastically pointed out. Never one to pass up an opportunity to point out my own mistakes before thousands of people, here are some corrections of the m ... Read more
Smoking Servers? No Problem, Keep It Coming Last week I asked for feedback about our first e-newsletter and Hemmings Motor News true believers delivered! Mail servers here at HMN HQ have been smoking like a well-abused set of M and H Racemasters since Issue 1 hit cyberspace, and we couldn't b ... Read more


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Joorabchian: No club lined up
Mark Hughes' agent has denied that he left Fulham to walk straight into another job, and insisted that the move was purely because the Cottagers were unable to match his ambitions.
• Hughes quits
• Fulham blog: The guessing game
Hughes' resignation last week led to immediate speculation that he would replace Gerard Houllier at Aston Villa, and he has since been linked with a return to Chelsea, who he played for, in tandem with Guus Hiddink.
Kia Joorabchian has been quick to make it clear that Hughes has not stabbed Fulham in the back by walking out, using a break clause which Fulham agreed to 12 months ago, as there have been no talks with other clubs.
He told BBC Radio 5 Live's Sportsweek programme: ''As a manager he has ambitions to really compete at the top level and be the best he can.
''[Fulham] are where they are. They are a great top-10, mid-table club and I think Mark really wants to be right up there competing in the Champions League positions, up there competing for titles. He'd like to win some cups.
''[The timing] was an unfortunate circumstance. The timing of the situation was such there were a couple of vacancies available. It had nothing to do with it whatsoever. You all realise Mark Hughes is a sincere man. He wouldn't do that.
''He sat down and thought about it and thought if he signs a two-year contract now and they go and buy players in the transfer market, but all the time looking over his shoulder thinking 'well if a bigger job comes along, a top-four club or maybe a place in Portugal, Spain, Germany, Italy that allows him to compete...' then he'd be sort of keen to move and that would be unfair to Fulham.
''He wanted to tell them and give them plenty of time. There was no better time to do so than at the end of the season. This has nothing to do with Aston Villa or Chelsea or any other club. Mark Hughes made decision to leave Fulham purely and simply because he didn't want to commit two years then look over his shoulder and disappoint them by leaving in the middle of his contract.
''There's a vacancy there [at Chelsea] but I'm sure they have their own planning. We have not spoken to them. They have not spoken to us.
''It's a club he has played for so he knows the club well but it would be disrespectful of us to say 'yes, we'd like to go there' or here or whatever. It's a case of Mark sitting on the sidelines and seeing what opportunities there will be throughout Europe.''
Fulham striker Bobby Zamora has revealed his surprise at Hughes's decision to quit.
Zamora said: ''It was a total shock, him resigning. I was surprised. There was no hint of it. It leaves us waiting for another manager. It was going well. Everyone had bought into his ideas and were just starting to play the way he wanted.
''He has decided not to stay and we go on and try and find another manager and hope we do well. But Mark has got his reasons. I don't blame him at all. It's one of those things. Managers and players come and go.
''We just want the right person for the club. We are back in training on June 23, we've got a game on the 30th in the Europa League. It would be nice if the managerial thing is sorted before we come back. If it takes time to find the right person, then fair enough. We have to take our time and find the right person.''
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text: I don't want to get drawn into a debate about this but I didn't say exactly what I meant - I bought it expecting that it wouldn't work out, but if it turned out that the sweater was nicer/looked better than expected I would have kept it. It was actually less nice than I expected. The weave is cool but the wool isn't that great and the color is more muted than what I was looking for.


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The first body lump that catches there eye.
i don't know why this hasn't rated thru the roof. BA by miles in my book
Personal experience: T i t s
REALLY SORRY, but I have to agree with everyone else, lol. Boobs first, face later.
If it makes you feel ANY better, they are moreso viewed with appreciation of the female figure rather than carnal lust. :] I read once that any man with an fixation on breasts is really only longing for his mother's affection, lol!
Gah! I tried... D:
T n A
narrowness and warmth
if the women notice them.....
her body of course
face and hair, boobs and bottom
Personaly it's face and eyes.
In a general way, I would say the face.

In unusual situations, I would say any exposed part of the female.
Her hair obviously, it has to be long and healthy to interest me.
ask me...eyes...they tell everything and my eyes notice their counterparts before any thing else...
Its more like , they see what we show off mainly ...
i look about girl style
I look for a smile and to see if she is comfortable with me. Then body and face. Looks to me are not that important, whats inside counts.
i am a leg man ,if she has sexy legs ,then next i look for is her personality
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Feature Article of Wednesday, 9 January 2013
Columnist: Nuhu, Albert
extra-ordinary things for Ghana
President John Dramani Mahama came to the swearing-in not clad in Gonjaland regalia (the Gonja-cloth) or Northern Smock or "Kutumbi", as the Gonja customary attire is called. (Even Osagyefo Dr. Kwame Nkrumah in his first address to the peoples of Ghana on the eve of Ghana's Independence day at the Independence Square , eve of March 6, 1957, was wearing a Northern smock) Neither did he, President John Dramani Mahama, wrap himself in a Kente Cloth. He came in simple white Calico, sewn into the attire of the common person, the ordinary person on the streets of Ghana. He came in simple white calico to symbolize that he is NOT the President of Gonjaland people or smock wearing natives of the North, nor is he the President of kente wrapping indigenous peoples of the Ashanti and the South, nor is he a President for NDC. He dressed in simple white calico, all wrapped up except his black big head, to send a message of neutrality to tribe, ethnic group, sectarianism, and political affiliations. He came in white calico to signify an open mind, purity of heart, and above all to inform Ghana and the World that he is the President for all Ghanaians.
President Mahama talked frankly and openly to Ghanaians, inviting all Ghanaians to join in the conversation to build Ghana. He called on the youth and pointedly informed them that the torch has been passed to the new generation of Ghana Leaders, and there is no going back. He called on the down and trodden not to give up, because he will work for them. He called on the "ordinary" and informed them that he feels their pain and frustrations AND HE WILL WORK WITH THEM AND FOR THEM. He called on Ghanaians to know that Ghana belongs to all and there is opportunity for all and he will level the playing field; he being the biggest example of the sense of equality, freedom and justice for all and the abundance of opportunities that no one can deny any Ghanaian.
Folks, what a call to duty on all Ghanaians! President Kennedy asked Americans not to demand what their country can do for them but to demand what they can offer their country. President John Mahama taught a history class and pointed out how an "ordinary" peasant farmer by the name of Teteh Kwashie brought a few seeds of cocoa from Equatorial Guinea to plant on a plot at Ashanti Mampong, and changed the landscape of Ghana and gave Ghana its most profitable export crop for years. He talked about an "ordinary" teacher from Nkroful, who stowed away to America for education, by the name of Kofi Nwia "Kwame Nkrumah", and became the greatest strategist and fierce fighter of colonialism on the Continent of Africa.
President John Mahama summed up his history lesson by calling and urging on "ordinary" Ghanaians to step up to their potential, not to feel ordinary and resigned to nothing, but to rise up to do the extra-ordinary for Ghana. That was a powerful message.
No Ghanaian has the excuse to sit on the fence, because all of us, including the "kaya kaya", have an ally at the Flagstaff House in President Mahama. He has called on small business and potential small business and anticipatory small business to count on him as an ally. No wonder, the US delegation was led by the CEO of a major corporation, because President Mahama is not only an ally of small BUSINESS, BUT HE IS 100% PRO BUSINESS. (By the way, I am for the rural commune)
President Mahama has called on the cynics to come forward with alternate solutions instead, and not try to drag the country into chaos and confusion. He acknowledges the positive energy they supple and the motivational attitudes they promote for the brave and pessimistic individuals in Ghana. However, he admonishes them and asks them to refrain from negativity and advance constructive criticisms.
My only disappointment during the ceremony is in the commentators of Joy TV (Most of us in the US watched the celebrations on Joy TV on our laptops and PCs) Some Ziblim Iddi buffoon and his NPP obstructionists could not discern anything from President Mahama's speech. They distorted the speech, despite the consistent effort of the Joy TV moderator to knock sense into their rotten heads. Those are the cynics President Mahama rightly cautioned all Ghanaians not to keep company with or even let into the driveway or play grounds. They are poisonous, sore losers and enemies of progress for Ghanaians.
Folks, the war have been won, now the battle to construct, move forward and dream of a progressive shining Ghana on the hill has begun. God Bless Ghana. Dee


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SOS Panic Button
Get this SOS button that works alongside the free app to help you in tricky situations. By pressing the button, it connects to your smartphone via Bluetooth and can send up to 5 messages to an assigned emergency contact. This is an important app to have to keep you safe, as you never know when you will need that extra help! Keep your mind at ease or your families/parents at ease by having this app in case of an emergency.
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Dillute one cup to one gallon of water for cleaning and disinfecting floors or tiled surfaces.
I hate being asked if my family is related to the company. Just because my last name is Jaeger doesn't mean that I'm related to every Jaeger.
For use as a motor fuel only , if ingested call poison control center immediately avoid contact with skin or clothing.
a loose translation which preserves the rhyme and meter is

this is the hunters badge of glory

that he protect and tend his quarry

hunt with honour as is due

and through the beast to God is true

according to Mast Jagermeister AG the translation is

it is the hunters honour that he

protects and preserves his game

hunts sportsmanlike honours the

Creator in His creatures
It means "we're not responsible if you puke in your friend's car on the way home."
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text: Elegant and traditional, the Antique Rose quilt bedding collection by Greenland Home Fashions is a beautiful matelasse bedding ensemble featuring a vintage rose print. The Greenland Home Fashions Antique Rose bedding collection is vermicelli stitched with a scalloped edge. Available in Daybed size, the Greenland Home Fashions Antique Rose bedding collection includes a quilted daybed cover (quilt), standard shams and a bedskirt. The quilted daybed cover features charming floral prints and paisleys assembled in a patchwork construction with scalloped edge accents. Standard shams reflect the quilts floral design on quilted ground accented with scalloped edges while the 15-inch drop bedskirt has a tailored design with a matching floral pattern.


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Hi everyone, so after reading endless reviwes and articles on this "zeltiq" procedure i decided to take the plundge and do it. A little about me : im 5 ft 110 lbs and i go to the gym 3-5 times a week. I want to get this done because i have those stubborn love handles that no matter what i do wont go away and i also have a little pooch in the front with the same problem.
When i went for my consultation the dr. was concerned i didnt have enough fat for the suction on my pooch and i read another reviewers comment (also petite female ) and she said the machine kept sliding off and they had to restart several times and now she has major pains in the area which makes me worried. My love handles i was told was fine but i am now worries about my pooch area. Has anyone had experience of what im talking about and if so what happened during? post? how are you healing? This is a lot of money to spend on something and i want to make sure its done right.
I also had the idea of sitting hunched over while they did the procedure ( because thats when your pooch really hangs out ). Also i am a mixed race and i have darker skin - the dr told me i should start using lighting cream to avoid discoloration? Although i am told there should only be busing im not sure if thats a god idea or not.... PLEASE HELP :(


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Art hits the wall in New London
NEW LONDON — Block by block, as volunteers sponged and dabbed paint Thursday onto the looming, white exterior walls of Mord's Hardware in New London, the shape of a grinning little boy sitting on an inner tube in the water began to take shape.
Depending on how many volunteers show up and how fast they work, the completed mural could be done by today, giving visitors a huge work of art to look at when they enter the town's Main Street.
"It's a community project that we did kind of mob flash style," said Jeff Vetch, a member of New London's Art Alliance.
The day started out with just Vetch and Kristen Allen facing the white wall. But soon the call went out and 40 volunteers showed up before noon and went to work.
"People just started coming around the other side of the table and started helping. It was kind of beautiful," said Allen, who hopes that if people participate in the project, "ownership of this wall will spread throughout the community."
Funded by a grant from the Southwest Minnesota Arts and Humanities Council and local sponsors, the mural is a temporary piece of artwork on the stark-white painted walls of the hardware store.
It won't be permanent.
It's expected the mural will be replaced with a new community project this fall that could focus on telling the story of the community's history.
"We want this to be a vibrant exhibit space," said Allen, an artist and another member of the Arts Alliance.
The mural is large, but it's just the tip of the iceberg for New London's focus on engaging the community in art experiences.
Funding for this project is also the tip of the iceberg when it comes to grants.
On July 1 New London received a $262,500 grant from ArtPlace America, a collaboration of national foundations.
Of the 1,200 inquiries ArtPlace America received, it awarded 55 grants this year.
The city will have 2½ years to use the money, including leveraging it to obtain additional funds.
"It's a pretty significant grant," said Vetch, the art grant project coordinator.
Although the mural was planned before the city received word last month they were one of four Minnesota projects to win the ArtPlace America grant, it's being incorporated into the community's overall grant plan, said Allen, who is the artistic director for the project.
"This is the first in a series of community engagement projects," said Allen, during an interview Thursday at her art studio, which provided a window seat view of the mural project underway across the street. "We wanted to weave it in."
The grant application has some specific areas for using the money, including training people on how to conduct community-engaged projects, providing assistance in seeking other grants and helping to connect art with local businesses and natural resources — especially the Middle Fork River that snakes through the back side of town.
"We've got this wonderful river in our backyard and we've kind of turned our back on it," Vetch said.
The grant and the process of looking at the community as a canvass is "about creative place-making," Vetch said.
There is flexibility in how some of the grant money can be spent, which will be guided by an advisory committee made up of local residents and a Minneapolis art consulting group.
That local input will be important as the project takes shape over the next 2½ years, Vetch said.
Like the large wall at the hardware store that is serving as a blank canvass for projects, it's hoped people will see other canvasses in town where art can happen.
Allen said she doesn't want the town to be involved with just one mural project and call it done and good.
She said if the community looks for other exhibit space,s "there'll be organic art sprouting up all over the place."
Allen said the goal isn't just to make the town "pretty" but to engage people and entities, like the fire department, garden club and businesses, in art that will also have a positive economic impact for New London.
It was just a few years ago when the grocery store closed and hardware store was for sale, and Allen said she worried the town would blow away.
But with vibrant new boutiques in town, a strong artist community, new volunteers and this latest grant, Allen said "to see this new rejuvenation gets us all fired up."


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|Jersey Cape Fishing with Fred Uhlman
Event Type: Natural History Program
Age Group(s): Adult, Family
Date: 7/30/2014
Start Time: 6:00 PM
End Time: 7:15 PM
Want to get some insider scoop on local fishing? Come join us for this exciting program with local fishing expert Fred Uhlman who will share some secrets on how to achieve the best fishing around the Jersey Cape. Uhlman will show you how to rig tackle baits for inshore and Back Bay fishing for flounder, striper, bass, and weakfish. If you are interested in fishing, this program is for you!Library: Cape May Court House Library
Fred Uhlman is the host of "Jersey Cape Fishing," South Jersey's longest running fishing show which airs Thursday evenings on Channel 23. He is also the manager of No Bones Bait and Tackle located in Wildwood. Fred enjoys sharing his love and knowledge of fishing with new and experienced fisherman.
Location: Court House Library Storytime Room
Presenter: Fred Uhlman


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Are you looking for the best diabetes iPhone apps? There are a lot of health and diabetes apps in the Apple app store right now. The market has been saturated, and there are a lot of bad apps out there. There are definitely many diabetes apps for iPhone out there, but when looking for one to use you should ask yourself ", How canI improve my health by using an application?" You don't want to waste your time on an app that you don't really need. There are apps that can keep track of your blood sugar test results and email them to your doctor to be reviewed weekly. You can use your iPhone as log to keep track of insulin shots and food that you've eaten. One great thing that diabetic apps are useful for are carb counting. Certain iPhone Apps have almost everything you can think of to eat along with all of the nutritional info right there. So what is the best diabetes app for iphone? Well, here are just a few:
1. Diabetes Buddy- Control Your Blood Sugar
**** (4/5) rating in Apple App store
With most of the apps that are out there for diabetics, blood sugar control and tracking are the most important features of the App. Well, Diabetes Buddy goes at it using a different approach. The difference is that Diabetes Buddy is trying to help users manage their diabetes by tracking the factors that influence our blood sugar levels. This app really comes across to me as a proactive type of app, and not just another logbook. Great app overall!
2. dLife Diabetes Companion
*** (3/5) rating in Apple App store
Well I guess it's kind of hard to miss the glaringly obvious connection of the app to the mega-diabetes site dLife. This is not a bad thing either. dLife Diabetes Companion is more or less a mobile version of the website with mobile access to many of the same resources that are available on the site. With the app you can look up food information and log your blood sugar checks. You also have access to a Q & A section and a video section. This is a great app in general, and is one that will allow you to take care of many tasks important to the the modern-day diabetic.
3. Glucose Buddy
**** (4/5) rating in the Apple App store
If you're looking for the king of all "logbook" style diabetes apps, look no further! Glucose buddy gives you every feature and functionality that you can dream of. You can track food, exercise, insulin dosages and other activities. The app has been described as the data storage utility for diabetics. It even syncs this data to GlucoseBuddy.com After you have captured all of the "data" you can then analyze it with beautiful graphs and charts. Talk about being thorough! Take this app into your next doctors visit and they may pass out from amazement. Either way this app gets an A+!!
There are way more apps out there that would be good for Diabetics to use, and I know I've only touched the tip of the iceberg. We would love to hear from you about any other iPhone apps that are useful to diabetics. We look forward to hearing your feedback!


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Chicago Children's Choir News
Return to the Chicago Children's Choir
November 1, 2011 - Publication
Slideshow: Arts & Culture in Chicago
MacArthur's support for over 300 arts and cultural organizations in Chicago and the region is an expression of its civic commitment to the community. Read More
October 1, 2009 - Article
International Connections Fund Past Grants
List of grantees from the MacArthur Foundation's Chicago International Connections Fund. Read More
October 9, 2008 - From the field
Josephine Lee of the Chicago Children's Choir receives 3Arts Award
The award recognizes Lee's distinctive work with a no-strings-attached $15,000 grant. Read More
July 15, 2008 - Press release
Chicago Organizations to Form International Connections
MacArthur awarded $325,000 in new grants to help diverse Chicago organizations increase their international connections with 16 countries. Read More


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General News of Monday, 13 February 2006
Source: GNA
Accra, Feb. 13, GNA - The demonstration against the Representation of the People Amendment Bill (ROPAB) would begin from the Kwame Nkrumah Circle at 0800 hours on Tuesday, Concerned Ghanaians, the organisers, said on Monday.
They called on all democratic forces and progressive individuals to pour out in their thousands into the streets of Accra to protect the peace and security of Ghana.
A statement Mr Bernard Mornah, Mahama Ayariga, Adam Mohammed-Sanusi and Barikisu Shardow, all members of Concerned Ghanaians signed said the demonstration would be peaceful and orderly; adding that the association had held a series of meetings with the Police Administration and it had given the full assurance to provide adequate security.
The statement condemned attempts by some people to undermine the constitutional rights of Ghanaians to legitimately protest against ROPAB by spreading falsehood about the impending demonstration.


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Bill James, the father of the baseball statistical analysis known as sabermetrics, doesn't want the word to be trademarked.
In fact, he doesn't think it can be.
James said Thursday at the annual dinner of the Boston Baseball Writers that sabermetrics refers to a shared and open inquiry into baseball stats, which can't be someone's personal property.
Scheduled to receive the Judge Emil Fuchs Award for long and meritorious service to the game, James was one of the first to look deeper into baseball statistics as a tool for evaluating players. He coined the word sabermetrics, which comes from the acronym for the Society of American Baseball Research.
A marketing firm called Deep Focus Inc. has applied to trademark "sabermetrics."


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Baked Sweet Potato and Chile Wedges
A generous sprinkling of chili powder kicks up the flavor of these oven-roasted sweet potatoes. Serve them as an appetizer or simple side dish.
Rate This!
Baked Sweet Potato and Chile Wedges
- Preheat oven to 450 degrees F. Cut each unpeeled potato into 1-inch-thick wedges. Place in a large self-sealing plastic bag; toss with oil, sea salt, and pepper. Arrange in two 13x9x2-inch disposable foil pans.
- Meanwhile, in small bowl combine orange juice, 3 teaspoons of the chili powder, and honey; set aside.
- Bake potatoes, uncovered, 25 to 30 minutes or until tender, brushing three times with orange juice mixture, and shaking pan occasionally.
- Meanwhile, in a small bowl combine sour cream, remaining 1/2 teaspoon chili powder, and 1/3 cup cilantro. Transfer potatoes to a serving dish; serve with sour cream mixture. Serve immediately or at room temperature. Makes 8 to 10 servings.
Nutrition Facts (Baked Sweet Potato and Chile Wedges)
- Per serving:
- 233 kcal cal.,
- 10 g fat
- (4 g sat. fat,
- 1 g polyunsaturated fat,
- 4 g monounsatured fat),
- 12 mg chol.,
- 307 mg sodium,
- 35 g carb.,
- 5 g fiber,
- 10 g sugar,
- 3 g pro.
- Percent Daily Values are based on a 2,000 calorie diet


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I hear and see a lot of people's financial problems. Once I started writing for this blog, suddenly it seemed like money talk was everywhere. Some people yell their financial problems into their cell phones so loudly that everyone around can hear. Sometimes people at work talk too loudly in the break room or in someone else's cubicle. For some reason, certain acquaintances view me as their financial confessor and tell me all their problems. And some people post their problems on the Internet for all to see. I feel for those who have genuine hardships and, when asked, I try to give the best advice I can. But when I hear and see financial "duh" moments, it's really difficult to bite my tongue and say nothing.
What's a financial "duh" moment, you ask? It's an idea or statement or way of living that is so financially careless or unsound that the listener just shakes their head and wonders, "What in the world is this person thinking?" I'll admit that what constitutes a "duh" moment is subjective. My idea of financial stupidity might be perfectly reasonable to another person. But some things are so over the top that I believe most people with a basic knowledge of money and math would consider them "duh" territory.
Just this week I overheard several winners in the "duh" contest. (Names, places, genders, etc. have been changed to protect the guilty.) The first was a woman in line at a department store talking to another woman about her finances. From the way they interacted, I assumed they knew each other.
First Woman: "This is the year we're going to pay off all our debt."
Second Woman: "That's a good goal."
First Woman: "Yeah, we owe thousands." Rolls Eyes "But you know how it is, you have to pay to play."
Second Woman (Looking uncomfortable and wanting to change the subject): "So, how was your Christmas?"
First Woman: "Oh, it was great! Hubby and I made a deal: Since we're going to pay off all our debt this year, we could have one last hog wild Christmas. We decided if we tacked on some extra debt it wouldn't really matter since it's getting paid off anyway. We didn't put any limits on our spending, so we bought everyone a ton of presents."
Second Woman: "That's nice." (She's hoping to end this conversation now, but no such luck.)
First Woman: "It was. He bought me a car! Can you believe it? A car for Christmas. We had so much fun watching everyone unwrap their presents. I bought tons of stuff for the kids. Games, a Wii, clothes. That's why I'm here now. Some of the clothes didn't fit so I'm exchanging them."
Second Woman: "Uh-huh."
First Woman: "Yeah. Of course now we have to pay it all off, but it was fun. We're really going to cut back this year and get our acts together.
Second woman shakes her head, gives me a half smile and shrugs her shoulders as if to say, "What are you gonna do?"
I know what you're thinking, but I am not making this up. This woman really did say that since they were going to pay off all their debt that it wouldn't matter if they went nuts at Christmas and added to the pile. I can see where the warped logic comes in. If you're paying it all off, what's a little more, right? But the problem is (and what I wanted to shout at this person in the store) that adding to the pile of debt is counterproductive. I don't know how much they had to pay off before, but I'm certain that, with a new car and going hog wild on presents for everyone, the total is now many thousands more and will require much more time and discipline to get rid of. And I'd bet that the old debt and the new debt will still be around next Christmas (plus some more) because this woman was not committed to the plan. In the same moment that she says they're really cutting back this year, she's off to check out the sweaters. I have a feeling that this "duh" moment will last until there is no more credit left and the alternatives become bankruptcy and foreclosure. Please, if this was you in that store, think about the fact that, 1) You're digging yourself a giant hole and, 2) People like your friend aren't really comfortable listening to you brag about your debt as if it's a child you're proud of.
Another winner in the "duh" sweepstakes was the man talking on his cell phone while using public transportation. He was speaking so loudly that I and the others traveling with him had no choice but to overhear his end of a rather personal conversation. He was speaking to someone-probably a friend or business associate-and bragging about how much he would deduct on this coming year's tax return. He was also bragging about how he wasn't really entitled to most of the deductions but, "The IRS has never caught me before, so I'm sure they won't this year. I haven't paid taxes in years, not since I found out how to work the system." My fellow passengers and I exchanged smirks and glances, probably secretly hoping that one of us worked for the IRS and could bust him. If this was you, I'd be very careful what I admitted to in a public place. You never know who is listening and when you might end up in jail. Of course, the best course of action would be to get legal, but I suspect that's not going to happen.
Another person posted on an Internet forum about how they had no money, were facing foreclosure and likely bankruptcy, could barely afford food and heat, but yet they were going on a planned vacation in spite of it all. The trip would use up the remainder of their savings. The total cost for the trip was projected to be around $5,000. The reasoning was that since times were going to get so hard in the near future, they might as well have one last fun fling before it all came crashing down. They wanted to give the kids something good to remember and have a family vacation before the kids got too old. Um, hello? Duh moment here. If you have $5,000 in savings, why not use that to keep the house a bit longer or eat? What's the point of giving the kids good memories if they're going to be homeless soon? I think most kids would choose a house or food over memories. If this was you, please use the money for necessities. The vacation can be taken later when you're on solid financial footing.
The final "duh" award this week goes to the woman who was standing in line at a fast food restaurant talking loudly into her cell phone. She was trying to conduct some bit of financial business and had to give her name and Social Security Number to the person on the other end. She did, enunciating every word and digit very clearly and loudly over her phone so everyone in the restaurant could hear. If there were any would-be identity thieves in that restaurant, how long do you think it took them to rack up a mountain of debt in her name? If this was you, I hope you got lucky this time and there were no criminals around. In the future, be careful what you say and where you say it.
Remember, if you're having a financial "duh" moment in public, chances are there's someone listening. You might be making other people uncomfortable. You might be seen as crazy, your information might be used against you, or you might end up in jail. So choose what you say carefully and think about what you're admitting to. You don't want it to come back and bite you later. Don't make me give you the next "duh moment" award.
Image courtesy of jaxxon