text:
One year ago Monday, Wells Fargo took down the final temporary Wachovia banners at its branches, officially retiring the century-old North Carolina brand.
It marked the end of a three-year transition since Wells bought the Charlotte bank at the height of the financial crisis.
Over the next year, customers adapted to new online banking and bill pay, as well as the new color scheme. Employees learned new systems, new products and a new culture.
To both groups: How has the past year gone?
Feel free to post a comment, but what I'd really like is to hear from you directly. Please give me a call at 704-358-5235 or send an email, email@example.com.
Tuesday, October 9, 2012
Wells Fargo, one year later: How's it gone?
One year ago Monday, Wells Fargo took down the final temporary Wachovia banners at its branches, officially retiring the century-old North Carolina brand.
32 comments:
- Anonymous said...
As mergers go, it's been pretty smooth from a customer point of view (mine). I like their ATMs better than the Wachovia, and the on-line banking is good also.
- October 9, 2012 at 4:02 PM
- Anonymous said...
Yeah, ask me as a former Wachovia stockholder how I feel...........
- October 9, 2012 at 4:28 PM
- Anonymous said...
As a customer the service is worst, my branch no longer remembers who I am. The online banking is worst and I do not like the fact they take the money out of my account before the payment is due, so they can float the money and earn interest on my payment amount The other banks do not do this........worse than the bofa $5 fee.
- October 9, 2012 at 5:12 PM
- Anonymous said...
Well, I'm out of a job now, so...
- October 9, 2012 at 5:56 PM
- Unknown said...
I think their ATM is better than anything.I don't have any other experience with them.Each next day comes with something new in banking sector to make this industry more and more easy and quick.Almost all banks are providing
online banking services today.
- October 10, 2012 at 4:41 AM
- etoleary said...
The time taken on this conversion shows how sensitive Wells is to the public relations debacle many years ago with the acquisition of First Interstate.
- October 10, 2012 at 11:39 AM
- Anonymous said...
Mergers and change are always hard, there are bound to be issues... having been through a few in the past, this is, by far, the most organized and least impactful I've experienced. Wells Fargo has tried hard to keep it business as usual, for employees and customers, and that effort has been much appreciated by myself.
- October 10, 2012 at 11:41 AM
- Spinnaker said...
As a Wachovia customer, the transition was smooth and while their ATMs are better, Wells Fargo's online banking is not very good. I do not use the branch all that often but the bank personnel changed and is not as friendly as the group I was used to working with. I can see why they invested heavily in their ATMs.
I was originally grandfathered in with a free checking account but that changed after about 6 months and was told my account would incur a $12/month fee. I already have my direct deposit going into my BofA account of more than 12 years and was not willing to move it to Wells to avoid the fee. I closed my Wells account and opened another free BofA checking account. It is free as long as I only use the ATM and not the branch. I have no problem with that and this is not something Wells offers.
I am a former First Citizens Bank employee that left the banking world more than 10 years ago. A lot of people complain about BofA but they have the best online banking system and offer free checking that everyone could take advantage of.
Do not let all the issues of Wall Street taint your perception of any of the big banks. Many of the big banks have a lot of people on the branch and customer service level taking care of the everyday common person. I am very happy with BofA so don't rule them out as a bank!
- October 10, 2012 at 12:03 PM
- Anonymous said...
This is the worst bank I ever deal with. I would not recomended to nobody.
- October 10, 2012 at 12:19 PM
- Anonymous said...
I'm a former Wachovia and WF personal banker. I can tell you that customer service is no longer a priority with WF as it was with Wachovia. WF wants to open up as many accounts as possible with every customer that walks in the door. Have your checkbook stolen? Too bad, we're going to try and open multiple accounts for you instead of canceling the checks.
- October 10, 2012 at 12:41 PM
- Anonymous said...
WF stinks! Their online banking (specifically online billpay) is the WORSE I've ever seen. BOFA and Wachovia had the best ones.
When the merger was first starting, I spoke with a WF manager about the possibility of finding work..and her response was "We've been LEAN and MEAN for the past two years (this was said in 2009), I don't see that changing". Wow, was that ever a true remark?
- October 10, 2012 at 1:06 PM
- Anonymous said...
I currently work as a personal banker at WF and it is a different world from wachovia. Nothing service wise is handled in the branch, you come in and either we call a 1800# or we give you the 1800#. people hate it but it really isn't the employees fault. our training does not cover how to fix problems just sales training on how to open more accounts. that is all they care about. The management is only judged by how many different widgets they can get opened. They count new debit cards, online banking sign ups, online bill pay enrollments, etc as their widgets. each banker must open 10 a day. that is why they always push you to open a way2save account or pay a bill with online banking. there is no care as to how much money you have in your account, it doesnt matter if you have a $100,000 in an account if you dont want to open a new account it is literally a waste of my time to help you, it hurts my end of day stats. if i dont hit my 10 a day i have to stay at the branch for at least an extra hour a day calling people at home on a list of leads that they produce for us trying to get those people to open accounts. their methods and motivation encourage poor customer service and unethical behavior. nothing carries over to the next day so if i get 30 "solutions as they call it" one day i still have to get the 10 the next day to stay out of trouble. they treat the employees terribly, to get vacation days approved the head of retail banking in Charlotte has to approve of the PTO, because his bonus is tied to how much we produce he will not allow us to take it when we want but when it is most convenient to him. The only reason i am still there is because they actually pay a little better than the other banks in the area.
they used to actually care about loan production but there is no time to take a loan application so as long as i can get 12 people a quarter to sign up for a credit card i will hit my loan goal. Wachovia used to measure performance by how much money you made the bank (measured in profit proxy, each solution has a numerical value of what the bank makes off it example free checking account is $20) which makes sense, the more money you make the bank the better you are doing, which made us more likely to get you into a better account for the amount of money you want. now i just put you into the base account because there is less to explain and i can move onto the next person to open an account.
Small business dont matter bc they dont give us any training on what accounts are best for small businesses and what their needs are.
the people over the 1800# (based off harris blvd) are a joke. there is no requirement of a high school diploma, most are only there for a couple months and quit. they only pay the $11 an hour and most dont know how a checking account works. while i worked there i know of a lot of people who would go out to the parking lot and smoke weed DURING their shift and more than one time people got caught having sex in the break rooms.
long story short this place is the devil. all they want is for you to open more accounts and incur as many fees as possible. they pay better than most to their employees but they treat them terrible. we are only a number, and when you dont meet the bonus thresh hold they fire you and replace you with someone who has just got out of a 3 week training class. a lot of the old wachovia people are gone because they fired them for one reason or another nothing to do with customer service
- October 10, 2012 at 1:14 PM
- Anonymous said...
I agree with the posts rgarding the online bill pay. It's horrible. I have a due date of Friday, yet they require I submit the SEND BY date of Tuesday and they immediately take the money. Wachovia never did this. If I had a bill due Friday, I submitted my bill pay date of Thursday....sometimes even the day it was due and it was considered paid.
- October 10, 2012 at 1:38 PM
- Anonymous said...
An interesting question for certain. I have to agree that, in general, Well Fargo simply does not really care about their customers, or for that matter, their employees...it seems they are completely focused on the number of accounts they can open. Case in point, Wells opened multiple accounts for a "customer" in California who was uing one of my children's Social Security number (from the East Coast). It took months to get that problem rectified. Unfortunately, Wells Fargo then opened more accounts for the same fraudulant customer AGAIN, and we had to go through the whole process AGAIN.
- October 10, 2012 at 1:39 PM
- Anonymous said...
Funny all the comments about ATM's .. Wachiva had a better ATM contract that updated their ATMs ever year and Wells fargo was ever 4. One of the reasons for the delay in switching the names was to allow Wachovia to finish upgrading all the ATMs before the Wells fargo ATM contract became the standard. Wachovia was light years ahead of wells in technology. Wellsfargo is horrible in online banking, customer service and pretty much everything. I still use them but most of my banking is at another bank.
- October 10, 2012 at 1:59 PM
- Anonymous said...
I opened a business checking account 6 months ago and I was encouraged to sign up for a business credit card. Since it was a new business, I didn't even think it was worthwhile, but the sales rep in the branch said I should give it a try. Of course I was denied because it was a new business with no history, but I'm sure the branch rep got her sales credit at least. Oh, and I ended up moving my business accounts to another bank because even though I would swipe my business debit card in the branch, they would always take the money out of my personal account! Utterly ridiculous, apparently they cannot differentiate between a personal profile and a business profile even though my business has it's own tax ID.
- October 10, 2012 at 2:14 PM
- Anonymous said...
I beg to differ with the person who said all the people at the CIC off Harris Blvd smoke pot and have sex at work. I have worked here 15 years and there are alot of good people here and if you are so unhappy with your job go find another one. People like you are part of the reason the bank employees have such a bad name.
- October 10, 2012 at 2:39 PM
- Anonymous said...
"...all the people at the CIC off Harris Blvd smoke pot and have sex at work."
I must have missed that in the annual benefits update from HR.
- October 10, 2012 at 3:41 PM
- Anonymous said...
I'm sure there are some good people still off Harris on the 1800 # unfortunately, of 100 or so calls I have had to make since the conversion, I have had 1 of those good people and 99 of the others. I have had several issues I had to call about. For one in particular, I called 6 months in a row for the same issue, speaking to supervisors and being bounced between departments - finally gave up and paid money I didn't owe just to make it go away because 3 hours on the phone every month wasn't worth $35.
- October 10, 2012 at 4:46 PM
- Anonymous said...
Hey...How much confidential business is being off-shored to India without the knowledge of the customers? They are sending a lot of confidential data overseas for processing and NOT letting the customers know who's doing it. Yes, it's common practice in many industries. But this is personal financial data.
- October 10, 2012 at 5:17 PM
- Anonymous said...
Hey...How much confidential business is being off-shored to India without the knowledge of the customers? They are sending a lot of confidential data overseas for processing and NOT letting the customers know who's doing it. Yes, it's common practice in many industries. But this is personal financial data.
- October 10, 2012 at 5:17 PM
- Anonymous said...
You are kidding me right ? From a technology standpoint we have taken a 10 year step back in time, if not more. Ask former Wachovia customers, really ask them if they have enjoyed their ride on the Stagecoach ? From an employee perspective, I ask again, are you kidding me ? Our medical benefits have all but evaporated, and we are stuck with an account based choice of worse or much worse. We're pretty sure if the current regime remains in power that are medical benefit will be history. I ask again, "Are you kidding me ?".
- October 10, 2012 at 8:58 PM
- Anonymous said...
Worse place ever to work. I was legarcy First Union. Legacy Wachovia. WF doesn't believe in Customer Service. They have rode on Wachovia tail the past 3yrs. From other posts, it clearly shows. They don't appreaciate their employees either.
- October 10, 2012 at 11:25 PM
- Anonymous said...
Guess what people? Wachovia was BOUGHT by Wells Fargo (and for $7 a share, when they could've paid $1 per share....or could've just let Citi buy them and there would be ZERO jobs in Charlotte with Citi). Wachovia FAILED. Wachovia is out of business, and several THOUSAND employees had their azzez saved by Wells Fargo. Sooooooo, anybody who wants to sit around and say how much better Wachovia was....is living in a fantasy world. Wake up and read the paper. Wells is MAKING MONEY for shareholders and employees. They play by the rules and continue to be a sound company. You just can't say that about alot of businesses (BofA included) these days. Bam.
- October 11, 2012 at 12:07 AM
- Anonymous said...
As a former employee of WF, my health is a whole lot better now, and don't miss those exact start times. God really blessed me!!
- October 11, 2012 at 12:41 AM
- Anonymous said...
The person who wrote the long comment about WF making the tellers and personal bankers sell everything to the customer, are pretty accurate. The part about the folks on Harris Blvd, are true to an extent. WF came in, and completely destroyed the customer service dynamic that Wachovia had painstakingly built over the years. There are no legacy Wachovia, or First Union folks there that are happy with things. WF does not care about its customers. The smart thing to do, is to remove your accounts there, if you have them, and join a credit union. And if I read the news correctly today, Wells is about to get hit with the biggest lawsuit, for mortgage fraud. Thank God they didnt pin that one on legacy Wachovia.
- October 11, 2012 at 5:01 AM
- Anonymous said...
I can't speak to employees but in the branch i go to they seem pretty much to be the same ones as last year. I also like the ATM's. There are more fees but I suspect that even if Wachovia had stayed independent they would've had to do that anyway in this environment. It's a shame the employees are unhappy but it doesnt seem like there has been mass layoffs like BofA and they didnt even get bought out.
- October 11, 2012 at 9:17 AM
- Anonymous said...
To the person that said Wachovia was failing and bought by Wells...Wachovia management made 1 BAD decision to buy a mortgage company right before the mortgage crisis. If that purchase had not happen, Wachovia would have survived another 100 years!
- October 11, 2012 at 9:36 AM
- Anonymous said...
During the 3 years of conversions my accounts had multiple problems causing me numerous phone calls and visits to the branch...most were eventually fixed or addressed but only after LOTS of time on my part. After 35+ years I finally gave up and found a new bank. It took some time but I moved EVERY account, checking, savings, mortgage...all of them. I occassionally return to WF to handle a transaction for my Mom...even simple transactions seem to be a struggle for them...unbelievable.
- October 11, 2012 at 11:03 AM
- Anonymous said...
To the person that said Wachovia management made 1 BAD decision to buy a mortgage company right before the mortgage crisis. If that purchase had not happen, Wachovia would have survived another 100 years.
If "ifs and buts" were candy and nuts....it'd be Christmas the whole year through!
You can pick a bunch of reasons why Wachovia failed...and that is a HUGE one. Bottom line: what was stated about Wachovia and Wells is accurate. Wachovia failed. Wells saved the bacon of thousands of employees. It also made $4billion profit last QUARTER.
- October 11, 2012 at 10:43 PM
- Anonymous said...
Could of been a lot worse for customers and clients if Chase would of taken over. Overall, it has exceeded my expectations. Wells has to be applauded for sticking to their word and maintaining a large employee base in the Charlotte area.
- October 12, 2012 at 12:11 AM
- Anonymous said...
Bottom line, when customers visit WF branches (now called stores), they will be pushed by tellers, bankers and managers every single time, to open MORE CHECKING ACCOUNTS. Even if they already have more than one, even if they don't have income and/or a true need, that's what they're being forced by management to do. Are you one of the numerous customers who found out you have a checking account or line of credit that you didn't even know you have? It happens all day, every day. Store employees are managed by daily threats of being replaced if they don't meet their goals. This kind of management is driving such unethical behaviors that even once upon a time -very good employees, are now caving on their personal and professional morals in order to keep their job and provide for their families. There are very serious and VERY REAL problems with Wells Fargo management. When leadership focuses on truly doing what's right for the customer...that's what customers experience and feel. On the other hand, when leadership focuses on meeting ridiculous goals to look good on a report and meet their bonus pay, customers are pushed to open accounts and services they don't want or need. Wells Fargo bankers are told not to spend time with a customer unless it will result in a sale.
Don't get me wrong. There are a lot of people who know how to do business the right way and recognize the destructive cycle we're in. It's a very difficult and heartbreaking environment to be in.
- October 12, 2012 at 9:41 AM


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Community and Farm Forestry Climate Mitigation Projects: Case Studies from Uttaranchal, India. 2006. LBNL-61460..
Characterizing Costs, Savings and Benefits of a Selection of Energy Efficient Emerging Technologies in the United States. California Energy Commission, 2010. LBNL-4435E..
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Former Padres shortstop Hernandez dead at 63
Hernandez, 63, was found dead in his home of El Tigre, which is located about 210 miles southeast of Caracas, according to the newspaper Sunday Leader.
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NYE, Mont. – Shareholders of Montana's largest public company elected former Gov. Brian Schweitzer and three other outsiders to Stillwater Mining Co.'s board Thursday after alleging mismanagement by the current directors.
But the shareholders also re-elected four current board members, including CEO Frank McAllister, meaning the two sides now have even numbers and will be forced to work together after an acrimonious struggle for control of the company.
Schweitzer and the Clinton Group, a New York hedge fund that spearheaded the takeover bid, charged that Stillwater's pursuit of costly foreign mining ventures under McAllister's leadership put more than 1,600 Stillwater jobs at risk and detracted from its core business of platinum and palladium mining.
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Schweitzer said after the vote, which still must be certified, that electing four members of the dissident group was a "huge victory."
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The main point of contention between the two sides was the company's 2011 decision to pay $450 million for a vast reserve of copper in Argentina, which has been panned by many investors and analysts because of political uncertainty in the country and the billions of dollars that would be needed to build a mine.
McAllister will remain at the helm of the company for now but said he expects a transition to a new CEO in the future. He did not give a timeline for the change and said it would be up to the entire board.
McAllister said the message from shareholders was clear: Stay focused on the Montana platinum and palladium mines and figure out a way to maximize the value of its holdings in Argentina.
The new and returning board members gathered briefly after Thursday's meeting and will convene formally in coming weeks once the election has been certified. McAllister said he expected the directors to co-operate once that happens. "We are all professionals and I would expect that to be the case going forward," he said.
Besides Schweitzer, members of the dissident group elected include Patrice Merrin, Michael McMullen and former Stillwater CEO Charles Engles.
The current board members who were re-elected are McAllister, George Bee, Michael Parrett and Gary Sugar.
The Clinton Group controls roughly 1 per cent of Stillwater stock. But its bid to oust a majority of Stillwater's eight-member board was bolstered by support from two investment research firms, whose recommendations carry sway over large institutional investors that had large enough stakes in the company to decide the matter.
Stillwater runs the only platinum and palladium mines in the United States. The company reported a net income of $43 million in 2012 based on revenue of $800 million.
Analyst John Bridges, with JPMorgan Chase & Co., said before the vote that the best outcome for shareholders would be the re-election of at least some current board members, given their knowledge of precious metals mining.
Yet Bridges added that the company's board and management should face "consequences" over the decision on the Argentina copper reserves. A second foreign acquisition, the Marathon palladium reserves in Ontario, is considered more promising.
"The shareholders are not happy with the way things have developed," Bridges said of Stillwater's acquisition in Argentina. "We don't really want to have the stock bouncing around like a yo-yo. To the extent it's focused on precious metals, its valuation should improve."
Stillwater shares climbed 23 cents, or 2 per cent, to $12.05 Thursday before the voting results were announced.


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MSI server/workstation products lead the industry in terms of system performance, computing density, price-to-performance ratio, and high-availability requirements. If you are interested in E7525 Master-S2, feel free to visit MSI website to get more detailed information.


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What is the size of the European Commercial Paper and Certificates of Deposit (ECP) Market?
On Wednesday the 12th of December 2018, the outstanding amount of European Commercial Paper (CP) and Certificates of Deposit (CD) made a weekly increase of EUR13.4bn to EUR1.088tn. This figure includes Euro Commercial Paper (ECP), French (NEU CP) and German CP and CD.
The outstanding amount of ECP made a weekly increase of EUR11.7bn to EUR809bn.
The outstanding amount of NEU CP made a weekly increase of EUR1.7bn to 269.5bn.
The outstanding amount of German CP/CD made a weekly drop of EUR19m to EUR9.5bn.
What is the size of the US Commercial Paper and Certificates of Deposit (USCP) Market?
In the second week of December 2018, the outstanding amount of USCP increased by USD4.3bn to USD1.050.4tn.
Where is this data coming from?
CMDportal is the global Bond and Money Market data utility connecting issuers, dealers and investors. The service aggregates data from a wide range of sources, including issuers, dealers and fund investors recording who issued, who traded and who bought the instruments. USCP data is sourced from the Federal Reserve. NEU CP data is sourced from Banque de France. In the CMDPortal database all issuers are converted into USD upon trade date.
Can I produce a Debt Capital Market (DCM) statistical query like this?
Yes you can. CMDportal provides a wide range of tools to analyse Bond and Money Markets. Commercial paper and certificates of deposit market issuance and redemptions data can be produced using the Data Sheet for monthly, quarterly and yearly ranges. Data Sheet results can be downloaded as an XLS file. Data trends are also available for SSA, FIG, Corporate as well as Asset Backed Commercial Paper Issuers. Trial the service or contact email@example.com to learn more.


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The gang at Skepticon are running a poll to design the World's Most Innocuous Atheist Billboard, and they've settled on the message — "Baby Animals Are Cute" — and they've got some choices for you to pick from. I thought I'd help and offer my own suggestion:
See? Far superior to the kittens and puppies they suggest, and it's much more in the spirit of atheism.
DO NOT ARGUE WITH ME. Or Baby Octopus will devour you.
(Also on Sb)


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When Sally Reuther was eight, she and her cousins built a raft on the four acres behind their grandmother's house in Kentucky, intending to float it on a little land-locked pond. They spent two days building it out of whatever wood they could find, even 'borrowing' one of her grandmother's sheets to use as a sail. When it was ready, they dragged it to edge of the pond and pushed it in. It sank. "That was my first experience with boating," says Reuther, 56, of Eastport, Md. Fifty years later and the petite, unassuming Reuther, is the captain of her own sailboat.
(Watch this video featuring Sally Reuther.)
Reuther, a former university and high school teacher of dramatic arts originally from Dayton, Ohio, didn't even see the ocean until she was 27. Now, water and boating are central to her life. After spending a year in the Caribbean living on her sailboat along with her husband, David DiQuinzio and their son, Michael, Reuther now lives blocks away from the Eastport Marina, where she keeps her sailboat as well as an electric propulsion boat called Energetic. Reuther began selling electric marine motors in an effort to help clean up the Chesapeake Bay, the health of which has been on a steady decline since the mid-1900s. Reuther says when they moved to Eastport they were cautioned about letting their dogs swim in the bay because the water is so polluted: "That just amazed me. Here we are on a beautiful body of water, and we can't use it, people can't swim in it."
(Learn about the history of Chesapeake Bay aquatic life.)
Runoff and effluent from farm fertilizers, sewage systems and impervious surfaces have made swimming often risky and, combined with overfishing, have decimated marine life in the Bay, once a bountiful and rich estuary. Since the 1600s, the bay has lost half of its forested shorelines, over half of its wetlands, over 5 million acres to development, nearly 80 percent of its underwater grasses and more than 98 percent of its oysters. Gone are the mountainous oyster reefs that often made sailing treacherous, but that served as mini-water filtration systems, pulling silt out of the water and creating such clarity that early settlers could see to a depth of twenty feet in some places. Today, you're lucky if you can see a foot below the surface.
Getting all the stakeholders on board to uphold and complete a clean-up plan established by EPA in 1983 has been a slow and difficult process, although a new study released in November indicates that conditions are improving. Nevertheless, the area has lost many of its fisheries and is losing a water-centric way of life that goes back many generations.
Along with all the runoff that is regularly dumped into the bay, there is the added burden of pollutants from diesel marine engines. Reuther hopes to change this. "Part of the reason we got into this business with electric motors," she says, "is because of our love for the water. And what we see happening every day in the bay is it's getting dirtier and dirtier." Boating that uses diesel fuel isn't helping.
(Check out the health of the Chesapeake Bay in this Report Card.)
According to the Maryland Boat Registry, there are 193,259 motorized boats registered in the state and all those that have diesel engines give off emissions. The EPA regulates diesel marine engines, which are "among the highest contributors of hydrocarbons (HC) and oxides of nitrogen (NOx) emissions in many areas of the country," adding to both air and water pollution. In fact, nitrogen oxides that result from fossil-fuel burning are considered to be a major source of nitrogen-based nutrients to the Chesapeake Bay, contributing an estimated one-third of the total amount of nitrogen that enters the estuary each year. In addition, "hydrocarbons and nitrogen oxide contribute to ground-level ozone pollution in the summertime."
Reuther hopes the concept of electric marine motors will catch on and will help reduce diesel emissions. Far from a new concept, electric propulsion has been around since the 1800s and was even used in boats at the Chicago World's Fair in 1893. The first submarine purchased by the U.S. Navy in 1900 had an electric motor. Today, many cruise liners operate with hybrid diesel-electric engines.
Reuther says she and DiQuinzio got into electric motors because they got tired of dealing with the problems they were having with the diesel motor on their sailboat. As an electrical engineer, the electric motor technology came naturally to DiQuinzio. Reuther says she likes how quiet the motor is; however, the real reason they started the business was because of their love of the bay: "As we started learning more about this, we started learning more about what really happens with a diesel motor. That [water] exhaust that comes out of the back end of your boat -- that's not just water coming out of there, that's unburned fuel, [and] that's going right into our waterways."
In 2010, the couple started Annapolis Hybrid Marine (Reuther is CEO, DiQuinzio CTO), where they sell Thoosa motor systems manufactured by ASMO Marine in Copenhagen, Denmark. Energetic, their demo boat, is a 21-foot converted diesel skiff outfitted with a 5-kilowatt, inboard electric motor that runs off of four 12-volt batteries (Reuther says the worst part about the conversion was cleaning up the diesel fuel buildup from the diesel motor). There is a controller unit that tells the batteries, the motor and the battery monitor what to do. The battery monitor acts like a fuel gauge, indicating how much time is left on the batteries. The amount of time the batteries last depends upon the speed at which the boat is operated. For example, at Energetic's maximum speed of 6 knots per hour (kph), the batteries would last about three quarters of an hour before they would run down to 30 percent and need to be recharged, whereas, a lower speed of 3 kph would provide five or six hours of cruising time.
"That [water] exhaust that comes out of the back end of your boat -- that's not just water coming out of there, that's unburned fuel, [and] that's going right into our waterways."
The batteries charge just like any other rechargeable battery, by being plugged into the local grid and they can be charged with solar panels and wind turbines. For longer cruises that rely more on motoring than sailing, the batteries can be charged with diesel generators. Although there is still diesel fuel use, diesel generators burn fuel more efficiently than diesel boat motors, which are especially inefficient when used at slower speeds such as when going in and out of marinas or for trawling.
Electric motors are appropriate for boats that aren't intended to sustain high speeds for long periods, so sailboats are excellent candidates. Reuther sells motors as big as 66 horsepower, which will easily propel a 60-foot sailboat. The motors are perfect for small launches and trawler powerboats up to 32 feet. Environmental monitoring and polluter patrol organizations would find them useful because they're so quiet, it's possible to hear everyone on board talking, even those who might be below deck, and the motors don't disturb nature. The Annapolis Harbor Patrol runs a 26-foot aluminum patrol boat that was recently retrofitted with a diesel-electric hybrid motor. Harbormaster J.P. Walters said, "You couldn't get the smile off my face with a chisel," when asked how he liked the quiet, new hybrid engine. According to Reuther, "With an electric motor you're not impeding on nature, you're part of nature."
Reuther says that electric motors are not necessarily appropriate for powerboats that go 15 to 25 kph because the battery technology is not yet capable of providing sustained higher speeds, although a Swiss company sells boats that they say go as fast as 60 kph using a big 162-horsepower (120 kilowatt) engine and lighter weight, lithium-polymer batteries from a military outfitter.
Another major benefit to electric marine motors is that the boats don't have to be winterized like diesel-powered boats, so they can be used any time of the year. Funnily enough, Energetic brought Santa Claus into the Annapolis Parade of Lights (a Christmas boat parade) this year because many of the conventional boats were in winter storage and "we were the only ones in the marina that could bring him in by boat." Even Santa's into clean energy.
"With an electric motor you're not impeding on nature, you're part of nature."
Reuther says a major part of the business at this point is educating the public about electric propulsion. They attend boat shows and talk to people about how it can make boating more enjoyable and cleaner, and they've found that interest in and knowledge about electric propulsion is growing. While Reuther recognizes that electric motors may never completely replace diesel because of all the power that diesel fuel produces, she says, "We're making electric propulsion an option so we have fuel where it needs to be and other options where they need to be; we're cleaning everything up, making it a better place for us to live and for our kids to live." She's come a long way from that sunken raft in Kentucky, and it's a cruise she's been proud to take.
Originally published on Ecocentric blog.


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The federally subsidized crop insurance program, the costliest part of the U.S. farm safety net, would spin off at least three new types of coverage and could cost 10 percent more under draft farm bills pending in the U.S. House of Representatives and Senate.
Members of the Senate and House Agriculture committees are scheduled to debate their respective bills next week. Both of the five-year farm bills would cost roughly $500 billion, the bulk of it to be spent on food stamps for the poor.
Overall, the government safety net for farmers is shrinking, House Agriculture Committee staff said in a briefing on Friday. Traditional crop subsidies in the House bill would be slashed by $22 billion over 10 years, or 34 percent, while crop insurance funding would go up by $11 billion, they said, based on unofficial figures.
Crop insurance was projected by the Congressional Budget Office to cost about $9 billion a year before any changes ordered by the farm bill. Costs could rise by 10 percent under the figures cited by House staff workers. The Senate farm bill was projected last year to increase crop insurance by 5 percent.
As part of crop insurance, the government pays 62 cents of each $1 in premiums, pays part of overhead costs for insurers and shares in the loss in bad years. Insurers are required to offer policies to all farmers.
A House Agriculture Committee spokeswoman said the insurance system would be more efficient and market-oriented under the provisions of the farm bill. Farmers pay for coverage and get a payment only after substantial losses, she said.
The legislation in both chambers would create a so-called revenue insurance plan for cotton to replace traditional subsidies which are triggered by low market prices. They also would create a revenue program for peanuts and a "supplemental coverage option" to protect farmers from shallow losses in revenue.
"Fundamentally, the safety net has been expanded," said agricultural economist Vince Smith of Montana State University, after viewing the Senate and House drafts. "There is more coverage for any downside (price) movement in the covered commodities."
Revenue protection can become hugely expensive if market prices decline by 20 percent or more, said Smith, a frequent critic of crop insurance.
In its first forecast for the 2013/14 U.S. corn marketing year on Friday, the U.S. Department of Agriculture put the season midpoint price for corn at $4.70 per bushel against $6.90 in 2012/13, a 32-percent decline.
The Environmental Working Group, which supports more money for conservation programs, criticized the House and Senate bills for "providing an especially generous insurance subsidy to cotton farmers" and creating the supplemental coverage plan for other growers.
The government would pay 80 percent of the premium on the cotton policy and 65 percent on the supplemental coverage premium.
The Senate farm bill would require growers to practice soil conservation to qualify for subsidized premiums and require the wealthiest growers to pay a larger share of that premium.
The House Agriculture Committee leaders rejected those ideas in their bill. The 576-page draft was unveiled on Friday and can be viewed here:
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A loudspeaker is commonly mounted in an enclosure (or cabinet). The major role of the enclosure is to prevent the out-of-phase sound waves from the rear of the speaker combining with the positive phase sound waves from the front of the speaker, which would result in interference patterns and cancellation causing the efficiency of the speaker to be compromised, particularly in the low frequencies where the wavelengths are large enough that interference will affect the entire listening area.
The ideal mount for a loudspeaker would be a flat board of infinite size with infinite space behind it. Thus the rear soundwaves cannot cancel the front soundwaves. An 'open baffle' loudspeaker is an approximation to this - the transducer is mounted on a simple board of size comparable to the lowest wavelength to be reproduced. However, for many purposes this is impractical and the enclosures must use other techniques to maximize the output of the loudspeaker (called loading).
Enclosures play a significant role in the sound production, adding resonances, diffraction, and other unwanted effects. Problems with resonance are usually reduced by increasing enclosure rigidity, added internal damping and increasing the enclosure mass. The speaker manufacturer Wharfedale has addressed the problem of cabinet resonance by using two layers of wood with the space between filled with sand. Home experimenters have designed speakers built from concrete sewer pipes for similar reasons. Diffraction problems are addressed in the shape of the enclosure; avoiding sharp corners on the front of the enclosure for instance. Sometimes the differences in reaction time of the different size drivers is addressed by setting the smaller drivers further back, by leaning or stepping the front baffle, so that the resulting wavefront from all drivers is coherent when it reaches the listener. The Acoustic Center of the driver, or physical position of each driver's voice coil, dictates the amount of rearward offset to time-align the drivers.
Enclosures used for woofer and subwoofer are applications that can be adequately modelled in the low frequency range (approximately 100 - 200 Hz and below) using acoustics and the lumped component model. For the purposes of this type of analysis, each enclosure has a loudspeaker topology. The most common enclosure types are listed below.
Closed box enclosures
A variation on the 'open baffle' is to place the loudspeaker in a very large sealed box. The loudspeaker driver's mass and compliance, i.e. the stiffness of the suspension of the cone, determines the resonant frequency and damping properties of the system, which affect the low-frequency response of the speaker; the response falls off very sharply below the cabinet resonant frequency (Fcb). The designer trades off bass response for flatness; the larger the resonant peak in the bass, the lower the speaker will seem to reproduce, but the more over-emphasized the resonant frequency will be. The box must be large enough that the internal pressure caused when the driver cone moves backwards into the cabinet does not rise high enough to affect this. The box is usually filled loosely with foam, pillow stuffing, fiberglass, or other wadding, converting the speaker's thermodynamic properties from adiabatic to isothermal, and giving the effect of a larger cabinet.
Acoustic suspension
The closed-box or 'acoustic suspension' enclosure, rather than using a large box to avoid the effect of the internal air pressure, uses a smaller, tightly sealed box. The box is typically designed with a very small rate of leakage so that internal and external pressures can slowly equilibrate over time, allowing the speaker to adjust to changes in barometric pressure or altitude. In this case, the true suspension of the driver's cone is the air trapped inside the box which acts as a spring with very close to ideal behavior rather than the mechanical suspension of the speaker driver, which for this application must be very weak, just strong enough to keep the cone centered in the absence of any signal. The drawback of these speakers is their low efficiency, due to the loss of the power absorbed inside the cabinet.
Bass reflex enclosure
Other types of enclosures attempt to improve the low frequency response or overall efficiency of the loudspeaker by using various combinations of reflex ports or passive radiating elements to transmit the energy from the rear of the speaker to the listener; these enclosures may also be referred to as vented/ported enclosures, bass reflex, transmission lines (see below). The interior of such enclosures are also often lined with fiberglass matting for absorption. Reflex ports are tuned by amount of mass within the vent, using appropriate diameter and length to reach this point. This enclosure is the most common as it lends itself to small size and reasonable bass.
Compound enclosure
Compound or 4th order band-pass enclosure.A 4th order bandpass is really just the same as a vented box where the contribution from the driver is trapped in a sealed box which modifies the resonance of the driver. In its simplest form it has two chambers. The dividing wall between the chambers has the driver mounted on it and the panel opposite to it (or the chamber into which the driver faces) has a port. If the enclosure on each side of the woofer has a port in it then the enclosure yields a 6th order band-pass response. This enclosure is considerably harder to design and tends to be driver-specific.
Passive radiator enclosure
Sometimes a passive radiator (PR) or drone, similar to a speaker driver but without an electrically activated voice coil, is used instead of a reflex port. Passive radiators are used primarily to tune small volumes to low frequencies, where a port would need to be very long. They are also used to eliminate port turbulence and reduce power compression caused by high velocity airflow in ports. Passive radiators are tuned by their mass (Mmp) and the way their compliance interacts with the compliance of the air in the box. Passive radiators add a complication to vented systems which causes a notch in frequency response at the PR's free air resonant frequency and this causes a steeper rolloff below the drone's tuning frequency Fb and poorer transient response than standard vented loudspeakers. Due to the lack of vent turbulence and vent pipe resonances, many prefer the sound of PR's to reflex ports. PR's do add considerable cost to the system, however.
Transmission line enclosure
The transmission line system is a waveguide system in which the guide reverses the phase of the driver's rear output, thereby reinforcing the frequencies near the driver's Fs. Transmission lines tend to be larger than the other systems, due to the size and length of the line required by the design. The payoff is an extended low end response and a characteristic sound that's appealing to many.
Dipole enclosure
A dipole enclosure in its simplest form is a driver located on a flat baffle. The baffle may be folded in order to conserve space. A rectangular cross-section is more common than a circular one since it is much easier to fabricate in folded form than a circular cross-section. The baffle dimensions are chosen to get the desired response, with larger dimensions giving a lower frequency before the front and rear waves combine and cancel
Horn enclosure
A horn (like a cheerleader horn) is an enclosure which has a flare or cone shaped structure attached to the front of the driver (speaker). This type has a very high efficiency and reasonably small size for reproducing mid to high frequencies. For the bass or low-frequency region the size of the horn becomes exceedingly large and impractical (3ft x 2ft x 2ft, for example). Some low frequency horns employ a folded horn design to conserve space. Designs that use horn woofers occupy a large space, and are heavy. Despite this, they are used about 70 to 90 percent of the time in large stadiums or arenas. To minimize the size, some bass horns are designed as a "modified" or "cut" horn. This means instead of using the perfect large size length of say 10ft, they cut it off at a length of say 3.3ft. This reduces the theoretical output by 3, but it is still maybe 5 times the output of a simple speaker in a box (no horn). This compromise is extremely attractive and used 90 percent of the time in bass horns.
Tapered Quarter Wave pipe enclosure
The Tapered Quarter Wave Pipe (TQWP) is an example of a combination of transmission line and horn effects.


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For those traveling by air, the City is served by seven area airports. Of these, three are major hubs: John F. Kennedy International Airport (JFK) and LaGuardia Airport (LGA) are both in Queens, while Newark Liberty International Airport (EWR) is located in neighboring New Jersey. These three airports provide access to the City via taxis, buses, vans, subways, trains and private limo car services.
Jamaica, Queens | kennedyairport.com | 718-244-4444
JFK is 15 miles from Midtown Manhattan. It handles the most international traffic of any airport in the United States—more than 406,000 flights and 50.4 million–plus passengers annually. About 7,600 weekly domestic arrivals/departures connect to JFK, and 80 airlines serve its six passenger terminals.
Jackson Heights, Queens | laguardiaairport.com | 718-533-3400
LaGuardia is on the northern shore of Queens and is the closest airport to Midtown Manhattan at about 8 miles away. It handles domestic US flights and shuttles, and Canadian and Caribbean air traffic, with 338,500-plus flights and 26.7 million passengers annually. Its four passenger terminals serve more than 6,955 weekly arrivals/departures.
Newark | newarkairport.com | 888-EWR-INFO
Newark Liberty welcomes more than 414,700 flights and almost 35 million passengers annually. There are more than 29 international and domestic carriers, with more than 7,700 weekly domestic arrivals/departures. The airport is across the Hudson River from New York City, 16 miles and 45–60 minutes from Midtown Manhattan.
In addition to nearby airports, New York City is easily accessible via an extensive network of bridges, tunnels, ferries, trains, light rail, buses, heliports and even cruise ports. Driving to the City is an option, but you certainly won't need a car to get around—the fastest, easiest way to reach virtually every NYC attraction is by foot and the City's energy-efficient 24-hour public transit system.
Unfortunately, we are not offering Shuttles this year. We apologize for any inconvenience.
Since we can't teleport (yet), the best way to get around NYC is through a combination of walking and mass transit. NYC's extensive system of subways and buses are operated by the MTA (Metropolitan Transportation Authority). The system is inexpensive, operates 24/7 and provides a fun way to extend sightseeing, and it gets you where you need to go—fast. Other interborough connections include ferries and even an aerial tramway.
Getting an MTA MetroCard is your first step to navigating the City by subway or bus. A MetroCard is required to enter the subway system, while exact change or a MetroCard can be used on buses. You can purchase a MetroCard at any subway station from multilingual machines (which accept cash, and credit and debit cards) or booth attendants.
Riders have three options for fare payment; a single ride ticket, a pay-per-ride MetroCard or an unlimited-ride MetroCard. A single-ride ticket costs $3, is sold only at vending machines and must be used within two hours of purchase. For MetroCards, there is a $1 fee to purchase so be sure to retain it (and check the expiration date on the back of the card—the MTA will issue a new MetroCard for no charge if your card has expired or is damaged). With a pay-per-ride MetroCard, the base fare for a subway or bus ride is $2.75. If a value over $5.50 is added to the card, an additional 11 percent bonus is added as well. Below are some samples with the bonus:
An unlimited MetroCard enables users to ride all subways and buses as often as they like and costs $33 for seven days or $127 for 30 days. Additional discounts are available for seniors age 65 and older, and disabled riders. For a map of New York City's subway and bus system, click here.
The City's fleet of taxicabs is regulated by the NYC Taxi & Limousine Commission (TLC). Taxicabs operate 24 hours, provide door-to-door service and accept cash or credit cards. The City's famous yellow fleet is primarily seen throughout Midtown but can be hailed for trips to other boroughs and even to other states. NYC's apple-green Boro Taxis can pick up hails in the Bronx, Brooklyn, Queens (excluding the airports) and Staten Island, plus northern Manhattan (north of West 110th Street and East 96th Street); they are not authorized to pick up any trips elsewhere in Manhattan.
For yellow or green taxis, there is a minimum meter fare of $3, and prices increase based on the distance and duration of the trip (assume prices are higher during peak rush-hour traffic). Surcharges apply to the meter price nightly, 8 PM– 6 AM, and Monday–Friday, 4– 8 PM. Drivers appreciate a 15–20 percent gratuity at the end of a trip. Bridge and tunnel tolls are not included in the taxi's metered fare. For further details, visit nyc.gov/taxi or call 212-NEW-YORK from outside the City or 311 when in town.
Unfortunately, we don't have Storm on our team to control the weather. New York City weather can vary from day to day, and even morning to afternoon, but a guide to the seasons can help you plan your wardrobe. Spring (March–May) in New York City brings budding flowers, light winds and rain, with the season's temperatures ranging from cool to very warm. Summer (June–August) is characterized by bright, sunny, hot days and later sunsets, sometimes accompanied by cool breezes in areas near the water. The fall season (September–November) is cool and crisp, so it's wise to wear layers. The winter months (December–February) are cold and snowy with less daylight, though the sky is often sunny, blue and clear.
New York City is in the Eastern Standard Time Zone (Greenwich Mean Time minus five hours during daylight saving time, from March through November, and minus six hours the rest of the year). Check here for the current date and time in NYC.
If you're visiting New York City from outside the United States, you may need a visa to enter the country. For details, visit the US State Department's visa information website.
It's worth noting that if you're having drinks at a bar, bartenders typically expect a $2 tip for every drink they serve you. Later, when the bar gets crowded, you'll be glad that the bartender remembers you!
New York City is committed to ensuring accessibility for everyone with special needs, and has equipped all buses with lifts for those in wheelchairs and those who have difficulty climbing stairs. In addition, many subway stations include elevators, ramps, visual display signs, accessible public telephones, and tactile and audio features on vending machines. Subways also have automated voices indicating stops, and all buses and select subway stations are wheelchair accessible. Many street-hail taxicabs accommodate wheelchairs. To request a wheelchair-accessible taxi, call the accessible dispatch center at 646-599-9999; text a request to 646-400-0789; or download the free mobile app "WOW Taxi" at the Apple App Store. Passengers with disabilities are eligible for reduced fares on most mass-transit trips. For more information about NYC accessibility, call 212-NEW-YORK from outside the City or 311 while in town; contact the Mayor's Office for People with Disabilities (212-788 2830, TTY: 212-504-4115, nyc.gov/mopd); or visit NYC & Company's accessibility section.
Attending the tapings of popular television shows filmed in New York City is fun and free. It's best to arrange obtaining tickets as far in advance as possible, depending on the individual show's policies. Still, many shows have standby options if you're willing to wait. Click here for the addresses and schedules of TV shows—and your chance to say hi to people back home on national television.
This Delegate Discount Pass is your ultimate guide to exclusive savings throughout NYC. Redeem offers by showing a printed or mobile version of the NYC & Company Delegate Discount Pass in its entirety at participating member restaurants and attractions, unless provided with a promo code for advance reservations, purchase or registration. This pass is valid July 1–Dec 31, 2019..
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Whether you're here for business or pleasure, New York City is an exciting destination for all. The City is home to diverse neighborhoods, historic landmarks, glamorous clubs and some of the best museums in the world.
New York City comprises several islands, and its waters are home to an extensive ferry system to take you uptown and downtown, as well as across the rivers between boroughs. Perhaps the best-known transport is the Staten Island Ferry. It's primarily a commuter shuttle between Staten Island and Lower Manhattan, but it's also a wonderful 5.2-mile, 20-minute mini-cruise with great views of the Statue of Liberty, New York Harbor and Lower Manhattan—plus it's free. Other shuttles include NY Water Taxi and NY Waterway. If you're traveling from New Jersey, the NY Waterway takes only 8 minutes to get to Midtown/W 39th St. There is also a free connecting Midtown shuttle service. The NY Waterway Ferry departs from Weehawken & Hoboken 14th for Midtown. Other services are available, too, such as harbor and sightseeing cruises like Statue Cruises, operating direct service from Battery Park to the Statue of Liberty and Ellis Island.
If you love to shop, choices abound. Midtown offers top-name fashion spots like Macy's, Saks Fifth Avenue and other big-name department stores; SoHo, TriBeCa and NoLIta feature celebrity designer goods, handmade jewelry and artwork; and Williamsburg, Brooklyn is a fun place to find one-of-a-kind vintage apparel in charming boutiques. For culture and entertainment, consider NYC's remarkable museums and the bright lights of Broadway at the Theatre District in Times Square.
Night owls can party at cocktail lounges in Chelsea and dancing dens in the Meatpacking District. There's also cabaret and karaoke in Times Square, comedy clubs in Greenwich Village and Long Island City, and rock and roll venues on the Lower East Side.
Foodies who want to savor delicious, authentic cuisines from every region in the world should head to Astoria or Flushing in Queens, the East Village in Manhattan, and Cobble Hill in Brooklyn.
A visit to Yankee Stadium in the Bronx, the Mets' Citi Field in Queens or their minor-league teams—the Staten Island Yankees and Brooklyn Cyclones—is a must for all baseball lovers.
While you're in NYC, follow NYCGO on Twitter and Facebook for daily events, tips and deals. Or head to nycgo.com for a list of mobile applications you can download on your smartphone to help you explore NYC with ease.
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- Home
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- Flower Essence Pink Yarrow Dropper Pin It Tweet Flower Essence Pink Yarrow Dropper -- 0.25 fl oz
- Home
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- Flower Essence Pink Yarrow Dropper Pin It Tweet Flower Essence Pink Yarrow Dropper -- 0.25 fl oz
Flower Essence Pink Yarrow Dropper Pin It Tweet Flower Essence Pink Yarrow Dropper -- 0.25 fl oz
Product Description
Pink Yarrow Achillea millefolium var. rubra(pink-purple)
Positive qualities: Loving awareness of others within a field of self-contained consciousness; appropriate emotional boundaries
Patterns of imbalance: Unbalanced sympathetic forces, overly absorbent auric field, lack of emotional clarity, dysfunctional merging with others
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CalPERS appears to be a willing victim
Students of the fine art of pointing fingers know that the key thing is to not make yourself look like an idiot in the process.
By that standard, the California Public Employees' Retirement System just flunked.
In a lawsuit filed this month in state court, CalPERS blamed the three major credit rating agencies, Moody's Investors Service, Standard & Poor's and Fitch Ratings, for its recent billion-dollar investment loss in three complex mortgage funds. The pension system says it got rooked because the firms gave the funds inflated AAA ratings.
The funds subsequently got liquidated at a fraction of their original value. CalPERS' share of the red ink could be more than $1 billion, the lawsuit says. (The rating firms all say the lawsuit is without merit.)
Winning this case requires CalPERS to paint itself as an innocent victim bobbing in a sea of Wall Street sharks, reliant for its investment judgments on the sagacity and integrity of Moody's and its brethren.
I know the feeling. I never invest in a stock before spending an edifying hour watching Jim Cramer on CNBC, equipped with a notebook and fortified with a bowl of Skittles.
But I'm not CalPERS, the biggest institutional investor in the country. In February 2006, when it plunged into these mortgage funds, its assets came to more than $200 billion. (It's considerably poorer now, but aren't we all?)
CalPERS has 2,300 employees, some of whom are financial professionals. It's big enough to pressure corporate boards (sometimes) to improve shareholder rights, knock off dishonest behavior and cut ties with oppressive governments.
But in the case of these investments, its excuse is: Moody's made us do it.
Before we examine this claim, let's recall why every California taxpayer should care about CalPERS, not just the employees whose retirement assets are in its hands.
A loss in the CalPERS portfolio has to be made up by public employers such as cities, counties and the state. For example, the 23.4% decline in its portfolio for the year that ended June 30 will necessitate an increase in public employer contributions to 19.7% of their payrolls, up from last year's 16.9%. That's a sizable hit for taxpayers.
So the pension fund's desire to stick the blame for its mortgage fiasco on someone else is understandable. Let's see if its argument holds water.
The investments at issue were "structured investment vehicles," or SIVs. As CalPERS describes them in its complaint, they were elaborately contrived pools of mortgages that made regular interest and principal distributions. The pools were supposed to comprise high-quality assets, CalPERS says, though it also says they held subprime mortgages, which are hardly the same thing.
Most of these structured pools were created by banks desiring to take mortgages off their books. In the investment world this was deemed to be a positive because if anything went wrong with the pools, the banks supposedly would have the liquidity to stand behind them.
CalPERS' SIVs weren't that kind of SIV. Their sponsors were a hedge fund and a couple of investment firms that specialized in marketing exotic paper to sophisticated investors -- such as CalPERS.
In fact, the investments were so risky that by law they could be marketed only to investors as sophisticated as CalPERS, which is always looking for "alternative" investments to even out the ups and downs of stocks and bonds.
In some businesses, this is known as seeing the mark coming a mile away.
CalPERS says it had no way of knowing what assets were owned by the structured investment pools -- "no access to any information on which to base a judgment of an SIV's creditworthiness," it says in the lawsuit. Consequently, it says, it had no choice but to rely on the rating firms, which did get to peek inside.
Unfortunately, the firms were paid to provide the ratings not by the investors such as CalPERS, which want objective judgments, but the promoters, who want anything but. Did this give the firms an incentive to rate every investment pool as gilt-edged whether it held gold or garbage? You make the call.
CalPERS' SIVs, in any case, held garbage. Naturally it's claiming that the rating firms were complicit in the debacle.
Let's pick this story apart.
First, the rating firms' unholy alliances with the people they rate have been widely exposed, not least by the Securities and Exchange Commission and Congress, which released a pile of damning documents last year.
Even before then, the situation was no secret. CalPERS states in its lawsuit that in 2005 Moody's pocketed $715 million, or 41% of its revenue, from rating "structured" investments. The pension system didn't have to dig deep for this news: It's in the Moody's annual report.
How about the issue of what CalPERS knew or didn't know about the assets held in the pools? CalPERS says "no amount of diligence" could have given it "actual knowledge" of what the pools contained.
This is slicing the baloney pretty thin. CalPERS knew its SIVs held mortgage assets. It knew that a bank's incentive would be to keep good mortgages on its balance sheet and dump the rest -- say, by offering them to an SIV.
In July 2007, a JPMorgan analyst reported that Cheyne Capital Management, the sponsor of one of the CalPERS pools, had the highest known concentration of real estate assets in the business. If JPMorgan knew, how come CalPERS didn't know?
More fundamentally, why would CalPERS put any money into an investment pool whose defining characteristic is that its investors can't know what it owns?
Many investors and financial analysts figured out the truth about these shady credit evaluations. The e-mails released by Congress and the SEC feature numerous investment executives telling Moody's and its cousins in mid-2007 that they didn't trust their ratings on exotic paper -- conclusions that had plainly originated months earlier, conceivably by late 2006.
Yet CalPERS claims to have been blindsided by the wave of credit downgrades the firms issued on the pools after mid-2007. It was then too late to extricate itself, as all three of its pools were headed for extinction.
The rating firms' complicity in the mortgage and financial meltdowns is a scandal -- that's true. But big investors including CalPERS played along.
They reasoned that no one would care that they had outsourced their due diligence to raters in cahoots with the ratees, as long as everyone was making money. If the money machine stopped, they figured, the rating firms would be convenient whipping boys.
The CalPERS lawsuit pulls the curtain back on this charade. Sure, CalPERS was a victim. The pension fund says it doesn't think the rating firms should be allowed "off the hook" and says it has "a duty to recover losses on behalf of our beneficiaries." But its case reminds me of a line by the great Russian author Nikolai Gogol: "There's no point blaming the mirror if it's your own mug that's crooked."
Michael Hiltzik's column appears Mondays and Thursdays.
Reach him at firstname.lastname@example.com, read previous columns at www.latimes.com/hiltzik, and follow @latimeshiltzik on Twitter.


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My name is Kate Brady and I am a Project Officer in the Post-Excavation (PX) department at Oxford Archaeology.
My job varies greatly from day to day (one of the reasons I enjoy it so much). Hopefully this blog post will give you a flavour of what I do on a typical day.
Thursday 28th July 2016
After coffee and emails my first task is always to plan how I will complete my task for the day I have four ongoing projects at the moment and I am also in charge of photography at the unit so at the moment I have several things to keep track of.
9.30am – 11.30am
This morning I am writing the discussion section for the report on excavations at Brasenose College in Oxford. The site revealed evidence of the use of the site before the construction of the current College building so I have been consulting maps and documents to match up our evidence from plans and section drawings of the site and the pottery we collected, dated by our in-house specialist John Cotter, with the documented use of the site. Because the pottery is in several cases dateable to the space of a few decades, and the development of the site in the post-medieval period is fairly well documented, I can piece together this evidence to tell a story of how the site developed. Having said that, there are still a few questions, such as why was there such a large dump of German drinking vessels recovered? John and I discuss some ideas about this and I think about how I'm going to present the possible explanations in my report. When I'm formulating the discussion of a report like this I usually print out site plans and maps and scribble all over them. Although we now routinely use CAD and GIS to overlay site plans on maps and analyse our data, I still often use this old fashioned method initially as I find it helps clarify my ideas as I'm thinking them through. The results of these scribbles will later be presented in a much more professional way, you'll be pleased to hear.
Several of my Colleagues in PX are specialists in certain categories of finds and John Cotter, who sits just along from me often shows me particularly interesting things that come in for him to look at. John is a specialist in medieval and post-medieval pottery and also clay tobacco pipes, and I've learnt a lot just sitting nearby. Today a complete medieval crucible was brought back from one of our sites in Oxford. The project manager has asked for a spot-date. John says he thinks it is 12th century in date and the best example every found in Oxford. I always feel so lucky to get to see all these things as they come in.
11.30am- 1pm
I continued with my discussion writing for the rest of the morning, occasionally answering questions about what cameras are available for use on upcoming sites and about plans for me to go out and photograph sites next week. We have lots of sites on at the moment so I'm busy in that respect.
1.30pm – 3pm
For the first part of this afternoon the PX department gathered together for a departmental meeting which we usually have bi-monthly to keep us all informed of what work we will be doing next and what projects are now moving into the PX phase. I found out I'll be working on the report for a Roman site we excavated in Aylesbury and that a monograph I co-wrote on a project we completed in Bristol will soon be published. My programme is full for the rest of the year so I'm happy that I'll be kept busy.
3 pm – 4pm
After the meeting I retreat to the photography room we've set up to photograph some medieval tiles we recovered from the Westgate Centre development in the centre of Oxford. Most of my photography work at OA is on site but I also occasionally undertake finds photography and enjoy getting to handle the finds and work out the best way to photograph them.
For the last part of the day I continued with the discussion text I was writing earlier. Late in the day is often a good time to write as the office is emptier and quieter and I can get lost in what I'm doing without being disturbed. However, a nice distraction arrives before I'm about to leave at 5pm, the latest edition of our in-house newsletter is ready and one of my photos is on the cover!
Kate Brady is a Project Officer at Oxford Archaeology's South office in Oxford. For more information about Oxford Archaeology and our publications, visit our website: http://oxfordarchaeology.com/research/ourpublications


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Lady Gaga strapped on these wild raw meat wedges at the 2010 MTV Video Music Awards (September 12, 2010).
Lady Gaga hangs in these foot high heels to promote her 'Born This Way' album in Mexico City, Mexico (May 6, 2011).
Lady Gaga was spotted in these flesh colored kicks while backstage at the hit Greenday Musical "American Idiot" (February 23, 2011).
Lady Gaga arrives at the 52nd Annual GRAMMY Awards wearing some seriously sparkly shoes (January 31, 2010).
Lady Gaga arrived to the 64th Annual Cannes Film Festival in some large lace-up boots (May 11, 2011).
Lady GaGa and her Louboutin's appeared on Sound, part of 'Switch' on BBC2 in London, England (January 31, 2009).
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Lady Gaga poses in these funky snakeskin print at the 2010 MTV Video Music Awards (September 12, 2010).


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Record Breaker
- Joined
- Sep 10, 2012
Figures fascinate me, and I would like to learn how to do the easiest one with my skates, but I don't really understand a lot of things (I wasn't watching skating in the figures era), like which is the correct position, how many repetitions you have to do for each figure, which are the criteria for which the figure is well done etc... Do you know where I can find some stuff (a book, video, DVD, anything) that can explain me how to do them? Or is there any former figures coach/competitor/fan that can give me some advices? Thank you!


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It's been a whirlwind romance. It's been a whirlwind several years. I won't re-cap in great detail—you can read back through the posts if you're very curious—but I will say that the last few years (and more recent months) have been filled with self-reflection, radical acceptance, and courage.
As I have been preparing to drive halfway across the country with two cats and my best friend—for a boy I've fallen head over heels in love with—I've done a lot of reflecting on how I have come to be in this position. I fully intend to document the adventure that will begin this Saturday November 16th as Babette and I head south, but for now I'd like to highlight just a few of the life lessons that I have learned within the last 5 years.
(In no particular order of importance)
- There is no good reason to have a credit card. I'm sorry but there isn't. There is REALLY no reason to EVER have a joint credit card. Save your money. Pay cash. If you can't, you probably shouldn't buy it.
- According to society, it is a risk factor for a single woman to own more than one cat. It could be argued that there is a risk in owning any cats as a single woman, but clearly there is some degree of exponential (read convex) growth in terms of the number of cats owned and likelihood of entering cat ladydom.
- There are clear blue jobs and clear pink jobs. Sometimes there can be purple jobs, but only if partners are equally skilled, competent, and have agreed that both working at the same purple job will complete it faster. When women and men start mixing up jobs, things get confusing and people get their egos bruised. Best to clarify from the start which jobs are what color.
- The risks associated with alcohol consumption more frequently outweigh the benefits. Also, alcohol should never be included on a person's "self-care plan."
- Having a "5-year plan" is silly. There is no way to predict what turn of events will or will not take place. Please see previous post Series of Unfortunate Events. Best bet is to take all steps possible to be prepared for what might happen i.e. used gained wisdom from self-reflection, radical acceptance, and courage to be content with life and find purpose in daily living. Happiness will be the side-effect. The only plan one should make is to be debt free.
- Moving frequently encourages minimal possessions. Minimal possessions decreases risks of entering a life of hoarding….Does frequent moving and minimal possessions therefore increase the risks of becoming a nomad? Is that bad? That seems like a bell curve of some sorts…
- You can't mail liquor boxes (unless fully wrapped covering all labeling) despite their amazing qualities as a sturdy shipping box.
- The cheapest way to move to another state is via the United States Postal Service and Wal-Mart. Boxes are about 69 cents each at Wal-Mart and if it doesn't rattle, it ships media rate…. Just be sure to get delivery confirmation. Those pods, trucks, and everything else costs several thousands of dollars.
- It is important to step out of your comfort zone from time to time. Go on random dates, go on blind dates even, interview for jobs so that you can practice presenting yourself in a professional manner, say yes to the invitation to go out even though you would rather just veg at home.
- Be hopeful. Be thankful. Be open. Be wise. Be silly.