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If an out-of-towner had to guess which American city had spent the past year squabbling with labor unions, battling a project aimed at reducing traffic congestion and pondering whether to build a waste plant in a nature preserve, Palo Alto probably wouldn't be the first name on the list.
The city prides itself, after all, on its progressive views toward labor, its devotion to public transportation and its support for all things green. Its politics are overwhelmingly Democratic; its traffic problems are evident; and its dedication to open space is well-documented.
But, as city officials are quick to acknowledge, 2011 was no ordinary year in Palo Alto. It was the year of hyperbole: the year in which the City Council approved the "largest" development in the city's history -- the colossal expansion of Stanford University Medical Center -- and took its strongest stance yet against the biggest infrastructure project in California, a $98.5 billion high-speed-rail system between San Francisco and Los Angeles. It was the year in which the city finally calmed the "most dangerous" intersection at El Camino Real and Stanford Avenue and renewed its efforts to overtake Portland, Ore., and become top bicycling community in the nation.
For those who like half-measures and hedged bets, Palo Alto was not the place to be in 2011.
City residents saw more than their fair share of festivities and snipped ribbons in 2011 as Palo Alto opened its freshly renovated Downtown Library, installed charging stations at local garages, made major progress on the new Mitchell Park Library and Community Center, refurbished Greer Park and installed a new restroom at Seale Park (a ceremony that Mayor Sid Espinosa marked with a "first flush").
But the council's most significant and difficult accomplishment of the year -- bringing the city's finances in order -- featured little pomp and much intense debate.
Palo Alto began the year in the midst of recovering from the national economic collapse of 2008. In 2009 and 2010, the city trimmed its staff by about 10 percent, privatized maintenance of local parks and imposed a new contract on its largest employee union, the Service Employees International Union, Local 521.
Having already trimmed SEIU's benefits, the council in 2011 took aim at the city's police and firefighter unions, to bring employee costs under control. In September, after 18 months of heated negotiations, the city and the firefighters union signed a three-year agreement that eliminates the "minimum staffing" provision in the firefighters contract -- a longstanding provision that required at least 29 firefighters to be on duty at all times.
At the same time as it was negotiating with the union, the council was targeting another labor-union sacred cow -- a clause in the City Charter that requires disputes between the city and its public-safety unions to go to binding arbitration. Councilman Greg Scharff and Councilwoman Karen Holman had been calling for repeal of the provision for more than a year, but their proposal fizzled in 2010 by a 5-4 vote.
When the proposal resurfaced again this, the council was deeply split over whether the provision should be merely modified or scrapped altogether. Holman and Scharff persistently argued that the provision is undemocratic because it allows a panel of unelected arbitrators to make decisions that profoundly affect the city budget.
"This isn't an issue of unions; it's an issue of accountability," Holman said at a June 20 meeting.
The following month, the council voted 5-4, with Vice Mayor Yiaway Yeh providing the crucial and surprising swing vote, to bring a repeal of binding arbitration to the voters on Election Day. On Nov. 8, residents spoke loudly and clearly, with nearly two-thirds voting to scrap binding arbitration.
The repeal of Article V gives the council more flexibility when it comes to curtailing costs in the police and fire departments. It also dealt a heavy blow to the firefighters union. In the lead-up to the November election, union officials compared Palo Alto to Wisconsin, where a Republican governor led a drive to strip workers of their collective-bargaining rights.
"Unfortunately, it's the mood of the country," Tony Spitaleri, president of International Firefighters Association, Local 1319, said on Nov. 8 as early results from Election Day showed the repeal passing by a nearly two-to-one margin.
The prolonged squabble over binding arbitration was neither the most complex nor the most passionate public debate in Palo Alto this year, however. The environmental war over the future of composting in Palo Alto claims that prize in a landslide.
The dispute was prompted by the closure of the city's landfill in the Baylands, and it centered on one question: Should Palo Alto consider building a waste-to-energy plant on dedicated parkland in the Baylands?
The feud had been brewing for more than two years but reached fever pitch when a coalition of environmentalists favoring construction of a new anaerobic digester gathered enough signatures to place the "undedication" of 10 acres of parkland on the November ballot. They faced off against another group of conservationists, led by former council members Emily Renzel and Enid Pearson, who argued that an industrial waste facility does not belong in a public park.
Both sides came out in full force at a March 21 City Council meeting, bringing more than 100 people to passionately debate topics such as carbon adders, contingency costs and the price of exporting compostable waste to Gilroy.
Former Mayor Peter Drekmeier, who led the effort to keep composting local, told the council the proposed plant would save Palo Alto millions of dollars in the long term while helping it meet its ambitious climate-protection goals. Renzel disputed his numbers and urged the council to think regionally.
"It makes no sense for every small city to make massive capital improvements rather than recognizing economies of scale regionally," Renzel said at the meeting.
Voters in November supported Measure E, the undedication of a 10-acre parcel in Byxbee Park, but the debate will extend into 2012 and possibly beyond after Measure E opponents filed a lawsuit in December.
The vote does not guarantee that a composting plant will be built, but Drekemeir and his camp hailed the passage of Measure E as a major step toward that goal.
"I think we will look back on this as the most important phase in this process," Drekmeier told the Weekly on Election Day.
When it came to other high-stakes issues, the council placed a strong bet against the California High-Speed Rail Authority this year. At its final meeting of the year, the council took its strongest position to date against the $98.5 billion rail line when it agreed to add to the city's guiding principles a provision calling for the termination of the project. Councilwoman Nancy Shepherd and Councilman Pat Burt, who jointly drafted the language, both stated that the project in its current form looks nothing like the one that the voters and the council supported in 2008.
Major issues aside, average Palo Alto residents were generally satisfied with life in their city in 2011.
At the Dec. 19 meeting of the council, City Manager James Keene pointed to the 2011 National Citizens Survey, which showed that 83 percent of the residents surveyed rated the services Palo Alto provides as "good" or "excellent" -- far above benchmarks jurisdictions and topping last year's total by 2 percent.
The percentage of responders who rated the city's overall image as "good" or "excellent" nudged up from 90 percent in 2010 to 92 percent this year while the percentage who said they're getting "good" or "excellent" service when compared to taxes paid moved up from 62 percent to 66 percent.
So when Keene declared at the onset of his year-end wrap up that 2011 was "another good year for Palo Alto," no one at the meeting dissented. Mayor Sid Espinosa, in his final full meeting as chair, seconded Keene's verdict and lauded the work of the council and staff in meeting the city's 2011 goals.
"I think at the beginning of the year we set a very aggressive agenda, and we accomplished even more than that," Espinosa said.
When the year 2012 kicks off, the city will have a new city auditor and a new chief technology officer (the latter two positions didn't exist at the start of 2011). While in the previous two years the council was busy slashing positions, this year it added six positions to the Development Center and created a new Office of Emergency Services, which will be overseen by veteran police officer Ken Dueker.
Espinosa said that he attended a meeting at the White House in early December with a small group of mayors from other cities. Others talked about foreclosures, high unemployment, crime trends and businesses getting shuttered. Palo Alto, by these standards, seems to be doing pretty well. Its downtown vacancy rate is a minuscule 3.8 percent, and city officials are projecting increases in sales- and hotel-tax revenues. The days of 2009, when Keene's budget presentation featured the title, "Hard Times. Tough Choices," now seem increasingly distant.
Espinosa said the mayors at the White House meeting earlier this month were "floored" by Palo Alto's priorities and accomplishments in 2011.
"We're continuing to be looked at as a beacon, a lighthouse really, for where their communities should be going," Espinosa said.


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Casey Lewis is the 24-year-old Wauwatosa, Wis., resident who found internet fame with a tearstained, semi-comprehensible meltdown on the way home from a bar after the Packers' loss to the Giants. She's cleaned herself up and is doing the media circuit, going on Milwaukee radio and doing an interview with RandBall.
The quick hits: she was very drunk. Lots of beer, but luckily(?) not too many touchdown shots. Clay Matthews is her boyfriend. The sparkly nail polish matters. She's only been to one Packers game, because her friends say she's too intense to take.

subset: commoncrawl


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Paul Costelloe Living Camille Cereal Bowl
Product code #2231858
DescriptionElegant serving cereal bowl. A classic piece with a sophisticated twist, this features a unique yet subtle swirl design and slightly curved edge. Part of the beautiful Camille range, an expansive collection of superior tableware that is perfect for entertaining.
Brought to you by Irish designer Paul Costelloe, exclusively for Dunnes Stores. Matching items available.
Size and Fit
- D17cm / D7in
Details and Care
- Cereal bowl Care
- Dishwasher safe
- Microwave safe
Delivery and Returns
Republic Of Ireland Delivery
Standard Delivery - 3-5 working days - €4.95
Express Delivery - Next Working Day - €9.95
Free Store Collection in 3 - 5 working days - FREE
UK Delivery
Standard Delivery - 3-5 working days - £3.95
Express Delivery - Next Working Day - £7.95
Free Store Collection in 4 - 7 working days - FREE
Spain Delivery
Standard Delivery - 10-15 working days - €4.95
International Delivery (in 10 - 15 working days)
Africa and Asia €18.95 Central and South America €18.95 EU Countries €12.50 Far East and Australasia €18.95 Middle East €18.95 North America €15.00 Rest of Europe €15.00
Returns and Exchanges
- Free Store Returns: this item can be returned or exchanged within 28 days.
- Postal Returns: this item can be returned by post within 28 days.
- Reduced Items: reduced products cannot be returned but may be exchanged in store.


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Job Search / Callback, and I'm kind of desperate« on: December 05, 2006, 01:22:38 PM »
I've got a callback next week (in the middle of exams, stellar), and not only do I really want a job, I really want this job. Its a smallish firm that pays/works you like the big guys. I love this firm, they specialize in exactly what I want to do. I'm afraid I may come across as a little too desperate. Any tips/advice? Thanks!


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S.A. welcomes back the Slurpee; 7-Eleven back in town
For nearly a quarter-century, San Antonians craving a Slurpee frozen drink or Big Gulp fountain soda have had to trek to San Marcos to fill up on their favorite 7-Eleven snacks and refreshments.
But this fall, the convenience store operator 7-Eleven Inc. will return to the city it left in 1989, once it acquires all of San Antonio-based Tetco Inc.'s retail and wholesale assets, the company announced Tuesday.
"I have many fond summer memories of riding my bicycle from my house to 7-11 to pick up comics, baseball cards and a Slurpee," Spring native Nathan Cone wrote in an email. "Although I doubt you can still get the first two items at the stores now, I'm still looking forward to that sweet, thick drink."
Cone, 39, moved to San Antonio in 1991, two years after Dallas-based 7-Eleven sold its 75 stores in the area to Houston-based National Convenience Store Inc., which owned the Stop N Go chain, according to San Antonio Express-News archives.
Since then, Cone and other 7-Eleven fans either have settled for shopping at similar stores in the San Antonio market or have driven to San Marcos, which until recently offered the closest 7-Eleven location for Alamo City residents.
"My friends and I would go there frequently to sip on some Slurpees and load up on their chili-cheese nachos," 31-year-old graphic designer Eli Tarin said. "When I moved to San Antonio in 2000, I was pretty disappointed that (it) didn't have them.
"It's good to hear that they're going to make their way back in."
Over the past few months, the company has opened several convenience stores along Interstate 35 between San Antonio and Austin, a move that will expand under the Tetco deal, said Stan Reynolds, 7-Eleven executive vice president and chief financial officer, said in a statement.
"The combination of Tetco's retail and wholesale operations will make this 7-Eleven's largest acquisition since the company accelerated its growth plan four years ago," he said. "The assets we are purchasing are quality sites that complement our existing store operation along the I-35 corridor."
The privately held companies did not disclose terms of the deal, but it is expected to close in November. Once completed, 7-Eleven will start remodeling and rebranding the majority of Tetco's locations, a news release states.
According to 7-Eleven, the company operates and franchises 570 stores in Texas and expects to open at least 630 new locations in the U.S. and Canada this year. 7-Eleven spokeswoman Margaret Chabris said San Antonio will host a number of those new stores.
Adding to the nearly $76.6 billion the company reported in worldwide sales last year, 7-Eleven also will acquire Tetco's motor fuel wholesale business, which the news release estimates serves some 550 customers in several states.
Tetco officials did not return calls for comment Tuesday. Chabris said it was "too soon to tell" how the deal would affect Tetco employees who work at the 31 San Antonio stores listed on Tetco's website or those located in 61 other cities across Texas and 20 cities in Utah.
Named for the initials of founder Tom E. Turner, Tetco planted its roots in San Antonio when Turner moved his family of four from Fort Worth at the tail end of the Great Depression, the company's website states.
Within 40 years, the company grew from one service station, which Turner purchased in 1943, to 575 locations throughout Texas and 18 neighboring states.
The company has remained in Turner family hands, with grandson Jon Turner currently serving as vice chairman. And according to Express-News archives, matriarch Kay Turner unsuccessfully ran for mayor in the early 1990s after establishing herself as a community activist.
While many residents shared their excitement about 7-Eleven's return, John Simmang expressed a more reserved reaction as he pumped gas into his pickup Tuesday at Tetco's 619 Division Ave. store.
The 55-year-old suggested it did not matter which corner store he visited as long as it lived up to its name.
"They're all just the same," Simmang said. "I go to whatever's convenient and gets me out the (most quickly).
"It's just about the convenience of the store and which side of the road I'm driving on."
Unlike Simmang, sweet-toothed San Antonians turned to social media sites to gush over the homecoming of 7-Eleven's green and orange signs.
On Facebook, Damon Herrin recalled his childhood and why he preferred 7-Eleven over his own grandfather's gas station.
"I hated the dentist," he wrote. "Hated it. But mom would take me to 7-11 after for a Coke and cherry Big Gulp.
"Welcome back, 7-11. Empty calories shall be mine once again."
Correction: Stan Reynolds is 7-Eleven's executive vice president and chief financial officer. His first name was not listed in a story on Wednesday's page A1 of the Express-News and on mySA.com.
More Information
Growth spurt
570 stores in Texas
630 new locations, at least, are expected to open in the U.S. and Canada this year


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The Your Money or Your Life Teleclass is rounding the bend into the final week and our "lesson" last week was resourcefulness. I prepared a list called "10 Ways to Skin a Cat" that merits a blog post. I know, the image of "skinning cats" is political incorrect, not to speak of gruesome. However, it's a folk expression and as such is imbued with great common sense. In some ways, our wealth and stuff have rendered us inept in the skills of daily life. We no longer know how to "make do" which seems like Depression Era poverty but is actually human creativity in the face of adversity.
So here's the list, in little bite sized pieces. There's a cool quote at the end.
1. Celebrate wins – what you appreciate (celebrate) appreciates (grows). Celebrating wins grows your resourcefulness, putting you in a positive and empowered state of mind. Amazing what appears when you relax into appreciation of what is.
2. Collect failures – Take as many "no's" for an answer until you get a yes. Don't argue with the "no." Accept it as evidence that you are on the trail of a resourceful solution and others fainter of heart, having taken "no" for an answer, have quit.
"Anyone who has never made a mistake has never tried anything new."~~ Albert Einstein
"I've never made a mistake. I've only learned from experience." ~~ Thomas A. Edison
3. Ask "Who sez? Question authority. Who sez someone who looks like you, who is your age or education or status or color or age or speaking your language is excluded from the resourceful? Who is that voice in your head? Who else in your life imposed limits on your imagination… and still exists as an authority? You can even say "who sez" when a living authority figure says you can't. Say it with real curiosity. One strategy when "they" say "no." Ask: "I understand your rules, regs, supervisors, customs, traditions, etc. say it is impossible, but imagining it were possible, how would it happen? If you could do it, how would you do it?"
4. "… or not." Question assumptions. Notice that your theories about reality are just theories. Track assumptions as you speak and write. At the end of each assertion, say "…or not." It is going to rain today… or not. I need 80% of my pre-retirement income for retirement… or not. We evolved from lower primates… or not. I'll be decrepit when I'm in my 90s… or not. Note, some assertions may actually be true, but if you can't entertain "or not" your capacity for resourcefulness is less.
5. Widen the frame. Perhaps the solutions you seek exist outside your frame of looking, like the guy who looked for his key under the lamppost because that was where the light was, not where he dropped it. Three frames to expand:
- Time – Imagine you could make the decision in a week. Or a month. Stand a year or two or five out and imagine you solved the problem. Celebrate and then tell the story of how you solved it.
- Inclusion – Expand the circle of we, the people you are willing to have involved in the solution or the range of acceptable solutions. When you say in your mind "I could never…" assume that's a viable solution. Imagine someone else will solve the problem happily or has what you need.
- Expand allies – Ask, "In whose interest is it that I succeed?" Let people not just help you but actually take over solving the problem.
6. Sharing – www.shareable.net is a fabulous resource for strategies for sharing rather than owning resources. Remember, it doesn't have to be yours for you to benefit. Also http://sharingsolution.com. The commons – air, water, libraries, local schools and colleges – are here for all of us. Does your solution live in the commons? A resource shared halves the price and doubles the number of people who will take care of it. Start a tool swap in your neighborhood. Share your car or house. Check out www.airbnb.com for ways to make money renting your guest room or house. Being possessive about your ideas or stuff is sooooo 20th century. We now know that everything is a remix, few of us actually discovery brand new knowledge for humanity. Creativity is in the remix. As Kevin Kelly says, "Ownership often sucks. You have to keep your things tidy, up-to-date, and in the case of digital material, backed up. And in this mobile world, you have to carry it along with you. Many people, me included, will be happy to have others tend our "possessions" by subscribing to them."
7. Chill: He who hesitates may be a winner! – Think on it. Sleep on it. Delay gratification. When someone wants your time and attention, ask, "By when do you need an answer?" Stop eating when you are 80% full. Wait 24 hours between seeing a major purchase (over your impulse spending limit) and see if you still want it. Use half the amount of stuff – toothpaste, laundry soap, water – and see if it is plenty. If not, use more until you have just enough.
8. "…3, 4 and 5" If you feel between the devil and the deep blue sea, if you have only two options and neither is what you want, ask, "Is there another way to get what I want? What is one more thing I can try?" Multiply your options. Reject nothing out of hand. Until you have 5 options, you don't have any.
9. Form vs. Essence – we mistake form (a thing) for essence (the value or use of the thing). For example, form would be a car, essence is mobility. When you look at essence, you can see that there are many ways to satisfy that need or value. Bicycle, car, carpooling, bus, walking, hitchhiking, renting, skateboarding, Segway. Form could be a marriage, essence could be love, security, intimacy. How many other ways can you meet these needs beyond finding Mr. or Mrs. Right and tying the knot? Friends, pets, family, pen pals, clubs… . Manfred Max Neef calls that distinguishing between Needs and Satisfisers (that which can satisfy the need). Try this with job when the need is income to meet material needs. Job is only one way, but there are multiple streams of income (passive like interest), turning a hobby into a side business, frugality (a penny saved is a penny earned), investments, etc.
10. Hidden in plain sight – is what you need right in front of your nose but you have labeled it something else. Is a cooking pot a rice cooker, slow cooker, water-bath canner? See how many uses you can find for common household items. What is something very similar to what I need that might also work? Or do you have an outdated value that blocks you finding what you need right at hand. Is "nothing to wear" really that you think you can't wear the same dress to two functions?
The amount of satisfaction you get from life depends largely on your own ingenuity, self-sufficiency, and resourcefulness. People who wait around for life to supply their satisfaction usually find boredom instead. – Dr. William Menninger


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... has some banners, somewhere, with Tyler Hoechlin as his face. But I can't find them.
._. Help?
A Roleplay site for Ravenblack's Vampires! A Dark Alleyway.
Malkavian wrote:9. Banner and Avatars
Banners may be a Maximum of 550 pixels wide x 200 pixels tall.
Avatars may be a maximum of 125 pixels wide x 200 pixels tall.
Standard Post Images may be a maximum of 550 pixels wide x 550 pixels tall.
Banners must be kept within the site's PG-13 limitations according to the RP Rules/Guidelines.
File Size:
Dial up isn't really an issue anymore, but please keep banners around 200kbs.
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With the goal of reducing the production of greenhouse gases, California regulators on Thursday pushed the state toward the adoption of automotive fuels that use less carbon.
The state's Air Resources Board said that by 2020, the new regulation will staunch greenhouse gas emissions from California's transportation fuels by 16 million metric tons, or 10 percent, and will boost the market for alternatives to fossil fuels.
At the heart of the regulation is the concept of "carbon intensity," which takes into account not only the emissions associated with driving cars, but also the those gases emitted during the production and delivery of fuel. Fuel providers, refiners, importers, and blenders, the Air Resources Board said, will have to meet an average declining standard of carbon intensity.
Regulators expect the new standard to cut down on the state's dependence on petroleum and to push the market toward a range of alternative fuel technologies, including biofuels, electricity, and fuel cells. The regulation is geared toward replacing 20 percent of the fuel used by cars in California with clean alternative fuels by 2020.
Actions taken by California, which by itself is one of the world's largest economies, can have an effect well beyond the state's borders. The state has already set in motion an effort to impose tough fuel economy standards, which the Environmental Protection Agency shot down under the Bush administration. In January, shortly after taking office, President Obama applauded California's initiative and ordered the EPA to reconsider that rejection.
To help boost development of low-carbon fuels from sources including algae, switchgrass, and municipal solid waste, the California Energy Commission aims to provide approximately $120 million dollars per year over seven years.
The Air Resources Board said that to produce what it sees as a need for more than 1.5 billion gallons of biofuels, over 25 new biofuel facilities will have to be built and will create more than 3,000 new jobs, mostly in the state's rural areas.
The new regulation stems from a 2007 executive order by Gov. Arnold Schwarzenegger. The transportation sector accounts for 40 percent of California's total greenhouse gas emissions, according to the board.
See all the Stranger Things season 3 photos so far: From Eleven in a scrunchie to shirtless Billy the lifeguard, take a look at all the images from the next season of the Netflix hit.
Please stop leaving Apple AirPods in while having sex, people: Can you hear me now?


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Teacher resources and professional development across the curriculum
Teacher professional development and classroom resources across the curriculum
Defining Reasoning and Proof
|The Reasoning and Proof Standard | Inductive and Deductive Reasoning | Thinking About Reasoning in the Classroom | Questions and Answers | Connecting to the Other Process Standards | Summary | Your Journal
Being able to reason is essential to understanding mathematics. Students who have regular opportunities to develop ideas, explore, and make and justify conjectures are more likely to expect that mathematics should make sense than those who do not have such opportunities. In the beginning of the middle grades, students will rely more on inductive reasoning, but as they continue to work with increasingly sophisticated and abstract concepts, they should begin to use deductive reasoning.
In this part, we look at inductive and deductive reasoning in the context of the middle grades. We also examine how reasoning and proof relate to the other process standards.
Just as with the other process standards, the teacher is critical in setting the classroom environment to encourage reasoning and proof. We must regularly engage students in thinking and reasoning in the classroom. In other words, we should expect that students will go beyond finding the solution to a problem in order to look for more general structures and relationships. Mathematics instruction should be focused around tasks that call for reasoning as part of the process of investigating mathematical relationships. Assessment should include monitoring the development of students' facility with reasoning, and their ability to justify their ideas to themselves and others.
|Teaching Math Home | Grades 6-8 | Reasoning and Proof | Site Map | © |
© Annenberg Foundation 2017. All rights reserved. Legal Policy


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MI Disclosure laws for herpes
Its not hard to find disclosure laws for HIV. I cannot find the disclosure laws in Michigan for other STDs, such as herpes.
I seem to be finding that a civil suit can be brought up for just about anything, but is non-disclosure actually illegal??
There are no disclosure laws for STDs other than HIV. Personally, I would prefer they abolish those laws as well! Criminalization of HIV/AIDS does not prevent the spread of HIV; it merely encourages at-risk individuals not to get tested. This in turn can lead to increased spread of HIV from those who do not know their status. See below.
Dr. Bob
criminalizing hiv non disclosure (CRIMINALIZING HIV NON-DISCLOSURE, 2009) Jun 9, 2009
I would like to forward my appreciation to Dr Rob for being so informative and unprejudice. I have one question and one rant. If I am aware that someone had intentionally and knowingly been irresponsible regarding their HIV status and as a result passed it on to me, is it your opinion that i should not pursue legal action? My beliefs on criminalizing non disclosure of HIV are the same as Dr Robs. I think that a more affective way to prevent further spread of the disease is to find better ways to promote regular tests for men that identify as gay or bi. Surely it must be common sense to want to get tested after unprotected sex rather than get sick first? I live in a state where it is mandatory to disclose your status. Although this is a legality i am sure that an informed judicial system would attempt rehabilitation and therapy rather than retribution where a positive person has had protected sex and not disclosed. On the other hand if the case was one where a HIV positive person of sound mentality had unprotected sex with a negative partner and knowingly transmitted the disease these people i believe should be jailed. I also believe that there are to many forgiving people out there that have not attempted legal action. It is very easy to get caught up in the politics and neglect the most important part of the whole thing PREVENTION. If anything should be mandatory in relation to HIV it should be that if you identify as gay bi ect it should be a legal if not ethical requirement to get tested at least once a year. If this was to ever eventuate it would be easy enough to inform and educate gay bi ect people without it necessarily becoming front page news. I think that this is a good a time as any to put pride out of the situation and begin some more radical attempts at not only prevention but treatment and a cure. The Hiv pandemic is the worst pandemic in human history. With this in mind the amount of action taken in regard to prevention and treatment is a drop in the ocean. Unfortunately i harbour some fairly radical views contradictory to the beliefs that i have, concurring with Dr Robs. One is that treating Drs of newly diagnosed people should be able to question the patient regarding previous partners and determine if or not one of those partner had acted irresponsibly with regard to their HIV status. The treating doctor should be able to pass on this information with or without the consent of either person to the appropriate law enforcement body. I dont think the issue is disclosure, if protection is not used it is a clearer act of recklessness. The liability is with the positive person, aware of there status, to have protected sex, take their meds, not to have rough sex and for fuck sake if your the top pull out!
Response from Dr. Frascino
Sorry, but I have to once again strongly disagree with several of the points you made in your rant/question. Cases of someone "intentionally and knowingly" transmitting HIV are extremely rare. If this occurred during nonconsensual sex (rape), I would absolutely agree: The perpetrator should be held accountable. (Rape is obviously a crime!) However, if the sex was consensual, I do not believe the "liability is with the positive person." The liability should be shared equally with both consenting partners.
Next, selecting out only "gay or bi" folks for testing doesn't make any sense. The virus could care less if you're straight as a lawn dart, gay enough to bottom for Liberace or bi-curious Republican Mormon! Your suggestions that those who identify as gay or bi be legally required to test annually or that physicians treating newly diagnosed people turn information over to "the appropriate law enforcement body" would be counterproductive. HIV is a medical issue, not a crime! If we are ever to gain control of the pandemic, we need to treat it as a medical condition and not a crime! Your "fairly radical views" would have the unintended consequences of fanning the flames of the pandemic, not snuffing it out! My views and comments on the negative consequences of criminalizing HIV nondisclosure remain unchanged!
Dr. Bob
"Criminalinzing" HIV Jun 7, 2009
I usually agree with most of what you post Dr. Frascino, but I don't entirely agree with your position on this topic. I do agree that in some cases non-disclosure may be unintentional and that safer sex precautions should be used with every partner, just in case. Here's my issue with your stance. Just a couple of examples I'd like your opinion on: One is the guy that had the video online (and guys like him) who was bragging about all the women in NY he had had sex with and had intentionally infected (allegedly to prove how stupid they were for not insisting on using protection). Second is a case I heard of where a man had sex with his girlfriend, got her pregnant, then still initially refused to tell her his status. What should happen in cases such as these where the positive person just doesn't care about their sexual partner? I believe it is this type of act that is criminal, not simply having HIV and being concerned about disclosing. What is your take on this subject? How do you separate and stop the people who just don't care about the lives of their partners from those who are good people that may have just made a one time mistake?
Response from Dr. Frascino
Thanks for your post. The issue of criminalizing HIV or HIV nondisclosure is complex and your arguments are the ones most often presented in support of criminalization. The reason I disagree is that criminalization of HIV nondisclosure has been shown not to be a deterrent for, as you put it, "people who just don't care." Criminalization of HIV nondisclosure has, however, been definitively shown to be a very strong deterrent to people getting tested. In the United States 20% of the estimated 1.1 million HIV-positive Americans have absolutely no idea they are infected. It is also now known that the majority of new infections originate from people who didn't realize or know they were infected. If we are doing anything to prevent folks from learning their HIV status, we are fueling the epidemic! It's also been widely proven that once someone knows their status, they are more likely to practice safer sex and decrease the risk of transmission to their loved ones and casual partners.
As for your two examples, the first is a person "bragging." Most braggarts are not telling the truth. The second example involves a single case. In both of these instances all partners voluntarily chose to have unsafe sex and therefore voluntarily chose to put themselves at risk. Certainly we need to do a better job of educating sexually active folks not to play sexual Russia roulette with their health. Where criminalization of nondisclosure is in effect, it can give folks a false sense of security because they assume their partners have to disclose their status. This is obviously not the case and can lead to unsafe sexual activity. A variety of criminalization laws have been in place in the U.S. and around the world. The scientific evidence shows they have not decreased HIV-transmission rates or been a deterrent to the type of morally reprehensible characters you reference in your post. In fact there is more significant and ever mounting evidence that criminalization laws may have the exact opposite effect. They are indirectly increasing new HIV-infection rates by scaring people away from getting tested!
Dr. Bob
Criminalization is a shame and absolutely useless (CRIMINALIZATION OF HIV) (CRIMINALIZING HIV NON-DISCLOSURE, 2009) May 30, 2009
I was reading the article about the Iowa man sentenced for 25 years because he didn't disclose his status. If we continue so nobody is willing to make the test and the consequences would be devastating. I know people that refuses to get tested because they fear stigma and criminalization. Why you can end in jail for not disclosing HIV but not for similar dangerous viruses like hepatitis or HPV which causes cancer?
Response from Dr. Frascino
I absolutely agree with you! Criminalization of HIV non-disclosure is counterproductive. I'll reprint below some information from the archives where I discuss this topic.
Dr. Bob
You miss the point entirely Feb 23, 2009
While I generally respect your advice and opinions...I must say that you miss the point entirely regarding disclosure. Clearly you are an educated and intelligent man, therefore I find it hard to believe you confuse "criminalizing HIV" and criminalizing the reckless endangerment of other peoples lives. The criminal act in the post "Curiosity Killed the Cat?" is the failure to disclose , not the fact the person was POZ. What is criminal is the act , not the disease, and I'm pretty sure you know that. Its plain common sense that if someone knows they are positive, then discloses after the fact, then they have committed a criminal and unethical act. The fact is condoms break, slip, and oral transmission does, albeit rarely, occur. If someone inquires as to status before sex, this is a risk reduction behaviour to try and understand the risks they are taking given the afformentioned accidents can and do occur. After a condom breaks is not the time to be forthcoming. As a gay man who has always had safer sex, I know of at least two times a partner did not disclose and I found out later they were poz, after lying and saying they were neg... Fortunately condoms were effective these times, but Im not so naive to think one will not eventually break or slip..ie: I now face a similar situation and possible exposure due to a condom slip where once again, someone lied and on pressing them I find out they are positive. With all the other efforts you make to treat and prevent this epidemic, Im surprised at your selective soft stance on such reprehensible behaviour. Being poz is not a ticket to be selfish and withold life endangering information. In post after post, I notice you consistently lambast bi and closet gay guys to be honest and tell thier wives about thier sexual escapades with men. You say its the "right thing to do." While we understand that its difficult living with HIV, its no easier for a straight man to tell his wife hes just had sex with a man than it is for a gay man to tell someone they are poz. We all agree that safety rests with the individual, but every indidiviual has a right to know the the risks they are taking given safe sex failure rates. The fact that 25% of people who are infected dont know is irrelavent for those that do. Its a pretty lame excuse to not disclose. All that statistic does is reinforce the need to use condoms no matter what someone tells you, because aside from the likely hood they will lie to you about it, they may not even know. If by not "criminalizing HIV" you mean de-criminalyzing non-disclosure I must object to this selfish idea. If a single life is saved from infection because a person had the opportunity to make an informed decision on thier own safety then the law has been effective. Most are not suggesting making being poz a crime. But if you carry a potentially life threatening infection and knowingly put others at risk then yes you are a criminal, and should be prosecuted as one. Lets dont attempt to make this look like a witch hunt for HIV poz people. Its a law in place to attempt to prevent a behaviour that clearly is criminal. Not to mention, its just the right thing to do.
P.S. Surprise me and have nerve to post a dissenting opiniom.
Response from Dr. Frascino
Why would it "surprise" you that I have the "nerve" to post a dissenting opinion (not "opiniom," by the way)? Actually I do indeed have a dissenting opinion and believe it is actually you that are missing the point!
Let's start with what we both agree on. Everyone should know their HIV status and should disclose their status before hitting the sheets. However, we all know not everyone knows their status and that disclosure doesn't always happen. Sometimes people are drunk or high. Sometimes they are caught up in the passion of the moment. Sometimes they may be in a noisy dark backroom sex club. Sometimes they may not realize they are a transmission risk because they misunderstand that undetectable does not mean noninfectious. The list of possible reasons disclosure didn't occur is quite extensive. Criminalizing nondisclosure may seem at first glance a good idea. But is it? I think not and there is considerable support (and science) to back up my opinion. Around the world there have been many cases of HIVers criminally prosecuted for conduct risking the transmission of HIV. Many of these cases were based on misinformation and prejudice and have lead to a miscarriage of justice. In addition, criminalization of HIV (or criminalization of nondisclosure of HIV) promotes stigma and discrimination. Branding a behavior criminal can and has led to the belief that HIVers are "potential criminals" and consequently a threat to the general public. Logically this can deter people from getting tested, even if they think they might be infected. This hinders HIV-prevention efforts. In essence criminalization of nondisclosure is counterproductive and undermines the public health message to know your status and avoid behaviors that increase risk of HIV transmission. Criminalization can also create a sense of false security among neggies. With criminalization of nondisclosure in place, John (or Jane) Q. Public could feel this reduces his risk and that he is now protected or at least at less risk for infection. In reality this is not the case. It's important to note most cases of HIV transmission occur between a neggie and HIVer who does not know he is infected. Consequently criminalization would be irrelevant in the vast majority of cases. In reality cases of malicious intent to infect someone with HIV are incredibly rare and could be dealt with under existing "reckless endangerment laws" that are already on most books. Some criminalization laws punish "intent" while others punish "knowledge." Careful consideration of this entire subject by many international organizations has all come to the same conclusion: Efforts to criminalize HIV transmission are misguided and counterproductive. For instance, check out the extensive report published by the Joint United Nations Program on HIV/AIDS (UNAIDS): "Criminal Law, Public Health and HIV Transmission."
You state that "if a single life is saved from infection because a person had the opportunity to make an informed decision on their own safety then the law has been effective." Sorry, again I disagree. Even if criminalization of HIV saves that single life (which is doubtful ay best) but ultimately results in undercutting gains we've made in the fight against the pandemic resulting in more people becoming infected because people are afraid to know their status and therefore don't get tested, the law, from a public health point of view, has been a colossal failure. Criminalization will drive the epidemic back underground, allowing the virus to spread undetected.
Bringing this back to your specific case, your behavior should not change whether your partner discloses or not. The same safer sex practices should be adhered to. You might say you'd electively choose not to have sex with HIVers. Fine. Tell that to your bedmates before you take their tighty whities off. But remember, 25% of HIV-positive Americans have absolutely no idea they are infected with the virus. Criminalization of HIV has never proven to be a determent to behavior. Rather, it has proven to be a determent to getting tested and knowing one's HIV status. Studies have shown once folks know their status they are much less likely to engage in risky behavior. Criminalization of HIV, including criminalization of non-disclosure, is NOT the right thing to do.
Dr. Bob
I agree with Dr Bob about criminilizing of non disclosure (CRIMINALIZATION OF HIV) (CRIMINALIZING HIV NON-DISCLOSURE, 2009) Feb 24, 2009
Hello, Dr Bob! Thank you for your always caring answers. I would just like to tell you about the situation in Sweden where I live. Sweden is the only country in Europe where its a criminal act not to disclose your hiv positive status before having sex. In Sweden it is also forbidden for an hiv positive person to have unprotected sex with an hiv negative person even though that person is consenting. It is always the hiv positive person that is responsible, even for the other persons health. The effect is, as you say, that people do not dare test themselves, but maybe worse, people fall ill in aids before their hiv status is discovered. In 2007 out of 71 cases of aids, 54 didnt know they had hiv. There are also cases of blackmailing, where negative ex partners threaten hiv positive ones. The situation as a hiv positive in Sweden is hence very insecure and indeed very stigmatized. I am not saying that I as am hiv positive person should be able to fuck around unprotected, but that there are problems with the criminalizing. Actually you dont have to post this, just wanted to thank you. :)
Hugs Mr J.
Response from Dr. Frascino
Hello Mr. J.,
Thank you for writing in with a real life example of the negative consequences associated with criminalizing HIV nondisclosure!
Dr. Bob
Curiosity Kills the Cat? Feb 18, 2009
One month last year I tested negative. A few months later I tested positive. My ID doctor assures me I was diagnosed during seroconversion. He dates the infection to up to six weeks before I got sick and was seroconverting. I made a list of my partners. A few guys in that period. I had no risky sex, no ejaculate in my mouth, no anal sex without condoms. Obviously there was transmission however.
One partner claimed, the evening we spent together, to be HIV negative. Impotent, he used a syringe to get an erection.
A few months after I converted, I learned through the grapevine he is HIV+. I asked to meet him a few times, but he avoided me. Finally we spoke on the phone. He confirmed he is positive, on treatment, and undetectable.
I asked him when he went on treatment and didn't get a clear answer. He was casual and rather creepy in his lack of concern that I was wondering if he transmitted HIV to me. When I asked why he had lied about his HIV status, he said it didn't matter.
I live in place where the police will investigate criminal transmission of HIV. If he is treated, the medical records may show when he was identified positive and when he bagan treament. Before I might file a legal complaint, I will ask him to show me his medical records because he seems too stupid or too unconcerned or too immoral to accept responsibility for his lie. Whether or not he infected me, who is to know without scientific investigation?
But, as I said, this could be asked for where I live.
I have two questions for you 1) My ID does not want to discuss anything that has anything to do with a legal issue - no comment. He says the risk is small for this person as a suspect. Is the risk small for an injected penis and lots of oral, but no ejaculation, and no unsafe anal sex? It seems small to me, too.
But if it was him, I think he should learn better practices concerning his impotence injections, and also always be honest with a partner. You know, if he was untreated when we slept with each other, maybe he had a high viral load and that led to transmission, somehow.
If he was ignorant about the small risk, I guess I can't destroy his life with a legal process.
Second quetion, would you as a treating doctor give impotence injection prescription to an HIV+ man? What would be your safe sex counseling for that? Would it matter to you if the patient were on HAART or not, to prescribe that needle?
Response from Dr. Frascino
Sorry to hear about your recent diagnosis.
I too would agree your HIV-acquisition risk was extremely low.
Yes, I would treat erectile dysfunction in someone with HIV disease. Safer sex techniques and advice would be the same as for anyone else.
While I strongly agree everyone should be forthcoming regarding their HIV status, I even more strongly disagree with criminalizing HIV.
Dr. Bob


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The first episode is looking like there won't be any earth shattering events this season. For instance, who really believed Robyn's vanity online store was going to be an immediate success? Besides Kody, Meri and Robyn, that is. My advice? LOWER THOSE OUTRAGEOUS PRICES AND HAVE SOME SALES AND INCENTIVES LIKE 10 - 25% OFF FOR HOLIDAYS. And Robyn, if you think of your sister wives as free labor for your business, think again. You have the business acumen of a Kody Brown.
And who still doesn't know that Kody and his Ko-dypendents moved into those overpriced McMansions in the cul-de-sac?
Oh...and Janelle said that MSWC has to be successful because they can't afford another loss. We know about their past bad business ventures, but this sounds more recent. Hmmm...I wonder what it is <cough> LIV <cough><cough>....
Okay, that's all I'm gonna say until my review. Except that Christine's comments were BRUTAL!
This discussion area IS ONLY for those who have watched Episode 1 of the new season on On Demand, or don't mind being spoiled. Please stay on topic! Comments comparing Polygamy USA with this episode of Sister Wives are OK.
Now closed for comments but you can leave your comment HERE.


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September 28, 2010
Completing the Ancestor Picture
I'm one of those who want as many details as I can find about each ancestor in my family tree. I drool over one tiny fact - for example the discovery of my grandfather (who died before I was born) listed in the City Directory for Guelph Ontario in 1917 as working for the Page-Hersey Co. sent me into raptures of delight!
I had no idea what my grandfather did for a living. No one ever talked about him. My mother (his daughter-in-law) simply shrugged her shoulders when I asked and informed me that he'd been injured in a work-related accident in the early 1900s and never worked again. But she didn't have any clue where he worked or what he did. So finding this tantalizing entry was unbelievably exciting for me.
But I didn't stop there. I didn't just enter that fact in my genealogy program under his name and carry on to the next ancestor. Instead I set out to find out more about this Page-Hersey Company. What did they manufacture? When were they in existence? Were they still around? A quick Google search for Page Hersey Company turned up some answers.
More searching found images of workers in 1919 in the Page Hersey Co. in Welland Ontario and even though my grandad wasn't one of them (wrong town!) I now had a much better idea of what his workplace probably looked like.
My next step was to start checking E-Bay on a weekly basis - maybe someone was selling some Page Hersey ephemera or collectible. And I want it to complete that one tiny bit of the picture of Grandpa's life.
I've had some good luck in acquiring some blank cheques for the Biltmore Hat Co. in Guelph during the time my father worked there. I'm still on the hunt for more items!
So far I've not turned up anything on the Guelph Lumber Company circa 1924-1941 where my other Grandfather was the manager, but I won't give up hope. Somewhere someday, maybe in an antique store or a flea market or on E-Bay, some little item will turn up. I also plan to visit the Guelph Library and the Wellington Co. Museum to see if they have any photos of that lumber company.
I've found historic postcards on E-Bay that reveal much about a town where an ancestor was born. If they are reasonably priced, I buy them and include them as scans in my family booklets.
Using census records I can find out street addresses and then use Google Street View to see the actual street where an ancestor lived, and if I'm lucky - the original house!
And that's how I complete my ancestor pictures - or at least get a start on it!
3 comments:
- The Lurking Genealogist said...
It seems that your blog and I run in sync. I have been contemplating the same question. As a genealogist, "What am I?" I have to say that I don't particularly like the term, "name collector." My principle interest is in creating an accurate pedigree, with as many sources as possible. With the amount of time and money spent in this pursuit, there has to be a better term. I am also interested in the history of the family and the places they work and the areas they come from. The information in that regard hopefully will be written and combined with the pedigree. However, all and all, I think I am a person that likes the thrill of the hunt and solving the questions that arise in a pedigree. If I have a sound pedigree, then I think I will be better equipped to write a family history.
- Nancy said...
Oh, yes, I'm with you. I love to find those details that help complete portraits of my ancestors. They're usually not easy to find but it's so satisfying when there's that one more bit of anything from the life of a family member.
I think of myself as a family historian (as in searching out the history of family members) more than a genealogist (searching for names and dates). That's probably not the common interpretation, but that's how I think of it.
I went on a trip this summer to see the places my ancestors lived and worked. Took pictures of the now closed paper mills where you can still see the name even through the lettering has been taken down.
It truly was wonderful to see the towns my family came from and I hope to go back and see more in the future.


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DOHA, Qatar – Effective April 1, 2014, Qatar Airways, the Doha-based five-star carrier, will upgrade its capacity on its Melbourne - Doha route, with a Boeing 777-300 aircraft.
The introduction of the new long-range wide-body aircraft will result in a 30% capacity increase on the daily flights to Melbourne, which translates to 76 more seats per day. Qatar Airways also flies daily to Perth in Western Australia.
"Along with our daily flights to both Melbourne and Perth, the increase in overall capacity on our Melbourne route is further testament to our commitment to the Australian market," said Qatar Airways Chief Executive Officer, His Excellency, Mr. Akbar Al Baker. "We are pleased that we are able to meet the needs of our passengers and build on our current offerings by providing extra capacity along with our five-star service. The short connection times, along with our award-winning on-board service, makes Qatar Airways a favourite with our Australian passengers who are looking for both comfort and convenience on long-haul flights."
With seven route launches already set to join the current network of 136 destinations in 2014, passengers will have numerous options when connecting through the airline's hub in Doha, Qatar. Qatar Airways' network is steadily increasing with new and exciting routes, such as Larnaca and Edinburgh both scheduled to launch soon, bringing the total number of destinations in Europe to 32.
Commencing May 15, Qatar Airways will be offering an all Business Class flight from Doha to London Heathrow. The A319 will accommodate 40 Business Class passengers throughout the aircraft and will be the sixth daily flight from Doha to London. Business travellers will be able to take advantage of the award-winning Premium Lounge in London Heathrow and Premium Terminal at Doha International Airport.
All flights on the Doha – Melbourne route will be operated with a modern Boeing 777-300, featuring a two-class configuration, with up to 42 seats in Business Class and up to 293 seats in Economy Class. The aircraft offers seatback TV screens providing passengers with the next generation interactive on-board entertainment system and a choice of more than 1,000 audio and video on-demand options.
Qatar Airways has seen rapid growth in just 17 years of operations, currently flying a modern fleet of 131 aircraft to 136 key business and leisure destinations across Europe, the Middle East, Africa, Asia Pacific and the Americas.
Depart Doha on QR 904 at 0055hrs, arrive in Melbourne at 22:25hrs
Depart Melbourne on QR 905 at 23:55hrs, arrive in Doha at 06:20hrs
Over the next few months, the network will grow further with Philadelphia, USA (April 2, 2014), Larnaca, Cyprus (April 29), Istanbul Sabiha Gökçen Airport, Turkey (May 22, 2014), Edinburgh, Scotland (May 28, 2014), Miami, USA (June 10, 2014), Haneda, Japan (June 18, 2014), Dallas/Fort Worth, USA (July 1, 2014) and Djibouti–Ambouli International Airport, Djibouti (July 27, 2014).
For Images: https://www.flickr.com/photos/qatarairways/sets/72157643146869514/
Notes to Editors:
Qatar Airways is the national carrier of the State of Qatar. Currently undergoing rapid expansion, Qatar Airways is one of the fastest growing airlines operating one of the youngest fleets in the world. Now in its 17th year of operations, Qatar Airways has a modern fleet of 131 aircraft flying to 136 key business and leisure destinations across six continents.
On October 30, 2013, Qatar Airways joined the oneworld Alliance, becoming the first Gulf carrier to join a global airline alliance, enabling its customers to benefit from almost 1,000 airports in more than 150 countries, with 14,000 daily departures.
Award-winning carrier Qatar Airways was presented with three honours at the annual Skytrax 2013 World Airline Awards held during the Paris Air Show at Le Bourget, France, last June. The airline was awarded World's Best Business Class, World's Best Business Class Lounge and, for the second consecutive year, Best Airline Staff Service in the Middle East.
During the 2013 Dubai Air Show the airline placed orders for more than 60 new aircraft – a mixture of Boeing 777X and Airbus A330 Freighters. In total the airline has 300 aircraft on order worth more than US $50 billion. The airline will move into its new hub and home, Hamad International Airport from early 2014. For more information, visit www.qatarairways.com.
For further information contact:
Qatar Airways Group, Corporate Communications Department
Tel: +974 44302072, Fax: +974 44302069
E-mail: email@example.com
Website: www.qatarairways.com


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WASHINGTON (MarketWatch) — Here's a roundup of comments about Friday's Labor Department report showing the U.S. economy added 113,000 jobs in January, and the unemployment rate fell to 6.6%. Read MarketWatch's story.
• "Ugh. Payrolls +113k. December revised from +74k to +75k. November from +241k to +274k. Unemployment 6.6% Folks, this isn't good news." — Justin Wolfers, Brookings Institution senior fellow. @JustinWolfers
• "For the Fed, this report will confirm their current bias for reducing the pace of asset purchases, consistent with their expectations for the strong momentum in economic activity during the last six months of the year to be sustained in 2014. And as the weather distortions in the data begin to dissipate, we expect the tone of economic data to improve." — Millan L. Mulraine, deputy head, U.S. research & strategy, TD Securities USA.
• "Household survey shows snapback in participation rate, more hires, individuals report faster vs estab survey, v positive." — Diane Swonk, chief economist, Mesirow Financial. @DianeSwonk
• "While US payroll growth of 113,000 disappointed, household survey showed huge growth of 606,000 new jobs!" — Anatole Kaletsky, chairman, New Institute for Economic Thinking. @Kaletsky
• "The economy is still healing from the Great Recession and steps are still needed to expand economic opportunity. Given the elevated long-term unemployment rate, extending emergency unemployment benefits for the 1.7 million workers who lost them is critical. At the same time, the President will continue to focus on action, both pushing forward on priorities with Congress and using his pen and his phone to expand opportunity and growth." — Jason Furman, chairman of the President Barack Obama's Council of Economic Advisers.
Tampa, Charlotte among gainers.
• U.S. homeownership at 18-year low
• "Silver lining: Participation Rate up to 63.0% from 62.8%, and Unemployment Rate still falls to 6.6% from 6.7%, Mixed-mostly negative report." — Christopher Vecchio, currency analyst, DailyFX.com. @CVecchioFX
• "#NotEnough. The economy added 113,000 jobs in January while the unemployment rate dropped slightly to 6.6 percent." — Michael Steele, former chairman, Republican National Committee. @MichaelSteele
• " U-6, broadest measure of unemployment went from 13.1 to 12.7, with higher participation this is good news." — Douglas Holtz-Eakin, president, American Action Forum. @djheakin
• "The bond market will like the soft payrolls data, the equity market less so, but looking over the full report, including the strength in goods producing jobs that move with the cycle, we don't see it as that negative for growth." — Avery Shenfeld, CIBC WM Economics
• "The U.S. continues to churn out new roles, the jobless rate continues to fall, and the Fed will continue slowly removing support under the new leadership. If they were giving out Olympic medals for job creation in January 2014, frankly, I don't know if the U.S. would even be on the podium." — Jennifer Lee, senior economist, BMO Capital Markets.
• "This report...will do nothing to deter the Fed from tapering QE. That is happening. UE target different story." — Ben White, Politico writer. @morningmoneyben
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Although they would not admit it, most portfolio managers take a core/satellite approach when managing their equity portfolios. The part of the portfolio that might mirror the overall market could be considered the "core" and the part of the portfolio that deviates from the overall market can be considered the "satellite" portion. When you hear portfolio managers say they are trading around their "core" bank holdings - or they are currently overweight oil stocks and underweight technology stocks, or they have a small cap tilt to their portfolios - they are essentially taking the core/satellite approach.
Tutorial: Exchange-Traded Fund Investing
But what about the average investor? Exchange-traded funds (ETFs) provide an easy way of implementing a core/satellite approach. We provide 10 reasons why this strategy can trump securities-only portfolio management strategies.
What Does the Portfolio Look Like?
ETFs provide a simple way to implement a professional style approach to portfolio management. ETFs form the core of the portfolio and provide diversification. Then, you select individual stocks that are expected to outperform the benchmark to form the satellites around the ETFs. Typically, an investor might put 50% of his equity portfolio in an ETF representing a market index and 50% in individual securities. There is no hard and fast rule about the percentages, but the greater the percentage of the portfolio that is in the core holding, the more the overall portfolio will behave like the overall market.
10 Reasons to Consider a Core/Satellite Investment Strategy using ETFs
For investors who manage their own accounts, a core/satellite strategy combining securities and ETFs is often better than a portfolio of only securities for the following reasons:
1. Better Diversification
Typically, the average investor who buys stock tends to have a poorly diversified portfolio. There is often a concentration in sectors or types of stocks with very similar risk characteristics. Using an ETF to buy a core position provides instant diversification and reduces overall portfolio risk. (For more insight, read The Importance Of Diversification.)
2. Improved Performance
It is widely accepted that a large portion (more than 50%, by most accounts) of professional money managers underperform the stock market. The average individual investor typically fares worse. An investor who sells some stocks and replaces them with a broad-based ETF core holding may be able to improve the overall performance of the portfolio. (For related reading, check out Pump Up Your Portfolio With ETFs.)
3. Easier Rebalancing
A change in an investor's asset mix is easier to implement when you use an ETF as the core position. If an investor wants to increase his or her equity exposure, the purchase of additional shares of an ETF makes it easy to do without having to buy additional shares for current holdings. (To read more on portfolio rebalancing, see our related article Rebalancing Your Portfolio To Stay On Track.)
4. Easier to Monitor and Understand
The more stocks in a portfolio, the harder it is to monitor and manage; after all, there are more investment decisions that have to be made and more factors to be considered. With an ETF or index fund representing a core position, the number of stocks can be decreased, resulting in a portfolio that is less complex and easier to understand.
5. More Tax Efficient
A portfolio containing all stocks tends to generate more trading activity as the market and investment outlook changes. With more trading activity, more capital gains will be realized and more taxes paid. ETFs are very tax efficient and, with a larger proportion of the portfolio in a single core ETF, fewer capital gains will be triggered. (Investors should consider the impact of taxes on their returns. Be sure to read A Long-Term Mindset Meets Dreaded Capital-Gains Tax for more information.)
6. Lower Transaction Costs
With fewer stocks, there will be fewer trades and fewer commissions. The small annual management fee ETFs carry is easily recovered from the savings on commissions. In an account at a full service broker, the reduction of commissions could be dramatic. This might be why many investment advisors do not like ETFs. (For more on ETF benefits, read Uncovering The ETF Wrap.)
7. A Decrease in Volatility
For the typical investor with an ETF representing a core holding, the overall portfolio will likely be less volatile than one made up entirely of stocks. (Learn to adjust your portfolio when the market fluctuates to increase your potential return in Volatility's Impact On Market Returns.)
8. Allows For Better Focus
In any well designed and diversified portfolio, an investor will have to invest in sectors or stocks that he or she does not like, but is required to own for diversification purposes. Using an ETF for a core position provides the necessary diversification, allowing the investor to focus on stocks in his or her preferred sectors. (For more on sectors, read Sector Rotation: The Essentials.)
9. Can Implement Sophisticated Investment Strategies
Investment strategies such as enhanced index strategies, risk budgeting, portfolio insurance, style tilts, hedging strategies and tax loss harvesting become easier to implement with a core/satellite approach.
10. Improves The Knowledge of the Investor
The proper implementation of a core/satellite strategy requires a certain degree of knowledge and understanding about risk, market indexes, benchmarks and portfolio management techniques. As investors gain the knowledge and experience of applying a core/satellite strategy, the process will, in the end, make them better investors
With the introduction of ETFs, the use of a core/satellite strategy becomes a very practical strategy for the average investor to implement. It will not only make investment management easier, but the underlying portfolio will also be better diversified and future performance will likely improve.
For further reading on portfolio management techniques, be sure to read Equity Portfolio Management Mechanics.


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The current state of stress testing
Midsized banks face challenges in four key areas of the DFAST process
By Tom Kimner, Head of Global Marketing and Operations, Risk Management, SAS
What if unemployment, interest rates or oil prices spike?
What if GDP, housing markets or equity markets plummet?
What if account holders terminate their instruments or loan holders default?
Will the institution have enough capital?
These questions will continue to keep risk managers awake at night, but not the way they used to. Instead of making educated estimates about liquidity when under pressure, financial institutions have stress testing to statistically predict the impact of possible adverse conditions.
To explore the challenges and best practices of the Dodd-Frank Act stress testing provision (DFAST) stress testing – and to learn what progress banks have made in this area – SAS hosted a June 2015 roundtable event where 10 risk professionals from midsized banks shared their experiences.
It only makes sense for financial institutions to use the stress testing framework to gain deeper insights into the business and balance risks and returns for higher performance.
Many insights from the roundtable were consistent with results from a SAS-sponsored 2015 GARP survey on stress testing practices. Respondents to the GARP (Global Association of Risk Professionals) survey were asked to assess the maturity of their organizations' resources in four areas: data governance, modeling, scenario management and reporting. In each area, insufficient technology proved to be a factor in stress testing challenges.
For instance, in data governance, only 42 percent agreed or strongly agreed that they had the right technology capabilities, whereas 63 percent reported having the right people and 56 have the necessary institutional expertise. In modeling, only 49 percent were satisfied with their technology, while more than two-thirds of respondents felt they had the right people and expertise. The results were about the same for scenario/process management and reporting – sufficient people and expertise, gaps in the technologies.
Even for banks that are well on their way, adaptation and evolution will be required as the frequency, complexity and disclosure requirements of stress testing continue to grow. The organizations represented in the GARP survey and roundtable cited challenges they face throughout the DFAST process, including:
Managing data. Comprehensive stress testing brings new demands for data provisioning, data consolidation and data aggregation. Everyone involved in stress testing needs to work from the same reconciled data source, as well as have consistent data definitions and a way to map data to a common data hierarchy.
However, many banks have legacy systems that silo data and make it difficult to establish a single, trusted version of the truth across all departments. It can be a struggle to aggregate and consolidate data from disparate systems with inconsistent data definitions and varying levels of granularity. It's hard enough to ensure data integrity when consolidating across the enterprise; it gets even more complex when folding in external peer-group data for richer analysis and benchmarking.
Developing and managing models. To meet Dodd-Frank stress testing regulations, banks must develop models to forecast PPNR, losses, provisions, capital and liquidity. SAS roundtable participants shared issues related to model integrity, implementation efficiency and execution speed, as well as developing and integrating enterprise-level stress testing models.
Manual linkages and disconnected processes throughout the model life cycle, especially in the implementation phase, can lead to model breakdown and erroneous results. It's difficult to maintain model documentation and transparency, especially with black-box models from vendors or models that were developed by people no longer with the bank.
Process management. To comply with current regulations and business requirements, stress testing methodologies and processes must cover the entire enterprise and incorporate results for all legal entities and subsidiaries. That means banks must coordinate efforts among many different departments, including lines of business, risk, finance and treasury. This coordination must also be documented, as regulators often spend as much time auditing the integrity of the stress testing process as they do the calculations themselves.
Aggregation and reporting. Regulatory reports use data aggregated from around the bank, presented in designated templates. Assembling these reports is an iterative process among multiple groups – largely manual and time-intensive as results are consolidated and sent back for review. This process becomes even more cumbersome as banking dimensions change, such as with an acquisition or new business, or when trying to report on both the business and regulatory dimensions.
Stress testing continues to evolve
Having the right technologies in place – preferably integrated systems that make it easy to aggregate, share and reuse a trusted source of data – will be essential to meeting these types of demands. At the same time, the governance and management environment put in place for DFAST processes can – and should – be doing a whole lot more than generating reports for regulators. According to the risk management research firm Chartis:
"At an enterprise level, stress testing is more than regulatory compliance for its own sake. Enterprise-level stress testing is a rapidly evolving area within financial institutions, where the approaches and applications are expanding well beyond the risk measures demanded by regulators. … Firms are already incorporating stress testing results into operational and strategic decisions, and going forward many expect this analysis to be weighted with growing importance, and to be applied in more business planning decisions."1
It only makes sense for financial institutions to use the stress testing framework to gain deeper insights into the business and balance risks and returns for higher performance. The key is to strategically invest in technology to address core areas of weakness and enable a more efficient, effective and accurate stress testing process, both for regulatory compliance and business decision making.
Closing the technology gaps doesn't have to involve custom development or cobbling together multivendor solutions. SAS provides a complete integrated stress testing suite of solutions that can also operate as individual components within an existing bank architecture. The SAS® Stress Testing suite includes three complementary offerings:
- A risk modeling workbench to enable banks to establish a structured modeling process.
- A model implementation platform that offers a controlled environment where complex systems of loan-level risk models can be implemented very quickly and transparently.
- A web-based process workbench that provides a central hub from which banks can manage the various aspects of the stress testing process and consolidate results from disparate systems.
The suite will enable fast implementation at lower cost and better, centralized coordination of the stress testing process for managers and analysts alike.
1The Risk-enabled Enterprise: Enterprise-level Stress Testing, Chartis, March 2015.
Read next
- Download the report: The Current State of Banking Stress Testing Technology
- Download the GARP white paper, Stress Testing: A View from the Trenches
- Check out our stress testing solutions.
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Food, Drink, & Tobacco Policy
The Policy
- Food and beverages are allowed in the WSU Libraries.
- All who use the Libraries are expected to be responsible and courteous to others by disposing of trash and recyclables and by cleaning up any messes.
No food or beverages are permitted in:
- Manuscripts, Archives and Special Collections (MASC)
- Terrell 103
- Owen 319D
- Tobacco products and alcohol are not allowed in the Libraries.
Observance & Enforcement
- All library employees are expected to abide by the Libraries' Food, Drink and Tobacco Policy.
- Supervisors will inform student workers of the policy and enforce it rigorously. Non-adherence to the policy can result in appropriate disciplinary action, up to and including termination of employment.
All library employees will enforce the policy by:
- Asking patrons who create food and drink related messes to clean up those messes.
- If a violator refuses to abide by the policy, the Libraries employee will ask to see his or her ID card and note the name and WSU ID number. All employees are empowered to seek this information from anyone on campus at any time. The employees will send the name and ID to the Access Services Manager. Repeat offenders will be reported to living groups, Student Affairs, or other authorities.
- New Libraries employees will receive information about observing and enforcing the Food, Drink and Tobacco Policy as part of their orientation.
The WSU Libraries reserve the right to reconsider their food and drink policy.


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Kidney Cancer in a Dog
Dear OncoLink "Ask The Experts,"
My four-year-old black lab had her left kidney removed due to an abnormality on ultrasound, and at the time of surgery, a 3 cm tumor was found with pathology revealing a renal papillary adenocarcinoma. Radiographs were taken prior to surgery showing no apparent spread of the cancer, and she has showed 100% improvement, but they are recommending chemotherapy. I have not been able to find a lot of info about kidney cancer in dogs, and what I have found does not make chemotherapy sound very promising, so we are hesitant.
Lili Duda, VMD, Section Editor of the OncoLink Veterinary Oncology Menu, responds:
Renal (kidney) tumors are rare in dogs. The typical dog is middle-aged to older, and there is no breed or sex predilection. The exception is the German Shepard, which is predisposed to a syndrome of renal cystadenocarcinomas and nodular dermatofibrosis. The majority of primary renal tumors are carcinomas, but a variety of other types have been reported. In addition, some types of cancers can metastasize (spread) to the kidney from other locations.
Some dogs have no clinical signs associated with a kidney tumor. Others might have symptoms associated with the urinary tract, such as bloody urine or frequent urination. If the cancer has metastasized, which occurs in about half of dogs with renal carcinoma, there can be symptoms related to the organ or tissue that is involved.
A thorough staging evaluation is always indicated when a kidney tumor is detected. This includes chest radiographs (X-rays), abdominal ultrasound, and complete blood cell count and chemistry profile. The most common sites of spread are the lung, liver, and the linings of the abdominal cavity.
If there is no detectable evidence of cancer spread to other sites, if the uninvolved kidney has good function, and if the dog is in good enough health to tolerate surgery, then nephrectomy (removal of the affected kidney) is usually indicated. However, metastasis might still become evident weeks or months following surgery. Unfortunately, there is little evidence to indicate what type of chemotherapy might be effective in delaying or preventing this occurrence. In humans, this type of cancer tends to be resistant to chemotherapy.


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Find Your Perfect Home.
Athens Real Estate
Athens is located in Michigan. Athens, Michigan has a population of 1,007. Athens is more family-centric than the surrounding county with 38.57% of the households containing married families with children. The county average for households married with children is 25.86%.
The median household income in Athens, Michigan is $46,833. The median household income for the surrounding county is $43,199 compared to the national median of $53,482. The median age of people living in Athens is 36 years.
Athens Weather
The average high temperature in July is 82.1 degrees, with an average low temperature in January of 16 degrees. The average rainfall is approximately 36.5 inches per year, with inches of snow per year.
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Running against Oregon's elite
By Peter Fain
It wasn't as steep as the Squaw Mountain Run, but it had its moments. But what made this race special for me was the caliber of runners who showed up. Now, don't get me wrong, there are great runners here in our area, but I've had great success locally, so it's good to get humbled.
Many athletes who have resumes that go on and on were there — Western States winners, Way Too Cool winners, major race course record-holders, you name it, the list goes on. So, for me to toe the line with this kind of talent was a treat.
Well, from the moment the gun went off Max King (the new course record-holder) and Erik Skaggs were gone before the first mile. The rest of us held together until we passed Lithia Park. The climb was quite steep initially, and the pace was feverish.
I labored for a bit to stay in the top 10. By mile 5 I slid into 11th place. An old acquaintance passed me, Dave Dunham of Massachusetts. I wasted no time letting him know that he had to take off his shirt to be in the top 10. Did I mention practically none of the Oregon elite runners wear a shirt? I think running as close to naked as possible is the theme in Oregon. Believe it or not, that goes for some of the women too. Moeben running bikinis.
Dave and the shirtless guy next to him laughed as they pulled ahead.
I held my own and kept that next group within site. I slowly got closer until we reached the ski resort lodge. There the trail turns from nice, clean fire roads to a rocky, steep, technical single-track for the last 3/4 of a mile. Most groaned. Me, I let out a sigh of relief. Heck, that's what we run here. I maintained a strong pace and cruised by four guys. The last 200 meters were straight up a black diamond ski run (well, maybe a blue at Squaw).
All my efforts left me about 20 seconds behind fifth place. Finishing sixth in such company felt really good.
full results can be found here.
Thanks to Andy Atkinson for all the poignant photos.


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Call of Cthulhu's stars align for a new release window
The Call of Cthulhu game from Cyanide finally has a Steam page which points to a Fall 2018 release date.
Cyanide headlines
Call of Cthulhu E3 trailer threatens to overwhelm your sanity
Call of Cthulhu is looking great, but when will the stars align for a release date?
Blood Bowl 2 pushed back to September
Blood Bowl 2 has been delayed but, uh, here's a new trailer…?
Space Hulk: Deathwing FPS gets teaser trailer, watch it here
Space Hulk: Deathwing is the new Warhammer FPS from developer Streum On Studio, and the team has just released the game's debut teaser trailer. Watch it here.
Blood Bowl: Star Coach destined for free-to-play digital release
Cyanide has announced a new spin-off to its successful Games Workshop-licensed sports sim, Blood Bowl, this time focusing on the management of your fantasy football squad.
Impire given a romantic release date, pre-order DLC bonus
Impire, Cyanide's "demon-management action-strategy title," has been given a release date and those who pre-order will be the recipient of two pieces of bonus DLC.
Of Orcs and Men out today on PSN in Europe
Of Orcs and Men is out today on PSN in Europe, Cyanide has announced. The game will be made available through the service in the US on Tuesday. The game released worldwide on PC and on Xbox 360 in Europe yesterday. Have a look at the screenshots below, and we've tossed in the launch trailer […]
Of Orcs and Men launch trailer lands ahead of next week's launch
The launch trailer for Of Orcs and Men is below. The game launches on Xbox 360, PlayStation 3 and PC on October 11.
Of Orcs and Men screenshots are no joke
Cyanide aren't bothered by the jovial orcs we are all used to slaughtering. The team's upcoming Of Orcs and Men RPG takes on a darker tone, indicating this isn't going to be all about magic spells and hunting special flowers.
Arkaïl the orc warrior looks rather formidable in these Of Orcs and Men screeenshots
Spiders and Cyanide have released a new set of screenshots for Of Orcs and Men. The set shows off Arkaïl, the Orc warrior from the legion of Bloodjaws, and Styx, a Goblin master of assassination and dirty tricks as they strive to assassinate the Emperor of men. See for yourself below. Game's out in October […]
Impire is the latest strategy effort from Game of Thrones developer
Paradox Interactive has announced Impire, a new fantasy strategy from Cyanide Studios.
Dungeonbowl to release on PC June 8
Cyanide has announced a release date of June 8 for Dungeonbowl as well as pre-order offers for its PC title based on the Blood Bowl universe.
Game of Thrones RPG to release in the UK June 8
Cyanide has announced its RPG, Game of Thrones: The Game, will release in the UK on June 8 for PC, PS3, and Xbox 360. The title was released in the US on May 15. Thanks CVG.
Launch trailers - Game of Thrones, Ghost Recon, Sonic 4 Episode 2
Believe it or not, other games are coming out today and next week which aren't Diablo III or Max Payne 3. Hard to fathom isn't it? Still, it's true, and below the break we've got three launch trailers for your viewing pleasure: Game of Thrones: The Game and Sonic 4 Episode 2 – both out […]
Latest developer video takes you "Behind the Wall" with Game of Thrones: The Game
Cyanide has released a new video for Game of Thrones: The Game, which is narrated by project director Thomas Veauclin and lead game designer Sylvain Sechi. The video explains how the game came to be developed, how it was influenced by the HBO series, and how the studio worked alongside author George R.R. Martin to […]
Game of Thrones preview video shows plenty of gameplay
A four minute gameplay clip for the RPG Game of Thrones is posted below. It's a preview from the German site GameStar. Hopefully, you sprechen Deutsch, otherwise, you won't understand a thing. Regardless, it will give you an idea of how the game plays and the look of things. It's out on May 15 for […]
Game of Thrones game and series similarities due to "faithful" adaptations
Cynaide began development of the Game of Thrones RPG well before the HBO series blew up, but had no trouble adapting material from the TV show to its game.
Game of Thrones screens show action, pre-order on Steam to get official Prima eGuide
Cyanide has released a new set of screenshots for Game of Thrones the RPG, showing off some of the action. The firm also sent word that those who pre-order the game on Steam will be granted free access to the official Prima eGuide for the game. Accessible through the Steam overlay, the guide contains all […]
Dungeonbowl announced as successor to Blood Bowl
Cynaide has announced a follow up to fantasy sports sim Blood Bowl, leaving behind some of the trappings of American football in favour of, well, traps.
King's Landing screened and detailed for Game of Thrones RPG
Cyanide has updated the website for Game of Thrones: The Game with information on Kingslanding as well as five new screenshots. Home to the iron throne make from a thousand swords, so the king can never set comfortably, King's Landing if full of brothels, politics, and spies lurking in the shadows. It's best if you […]
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Cyanide latest
Call of Cthulhu E3 trailer threatens to overwhelm your sanity
Space Hulk: Deathwing FPS gets teaser trailer, watch it here
Blood Bowl: Star Coach destined for free-to-play digital release
Of Orcs and Men launch trailer lands ahead of next week's launch
Arkaïl the orc warrior looks rather formidable in these Of Orcs and Men screeenshots
Impire is the latest strategy effort from Game of Thrones developer
Launch trailers – Game of Thrones, Ghost Recon, Sonic 4 Episode 2
Latest developer video takes you "Behind the Wall" with Game of Thrones: The Game
Game of Thrones game and series similarities due to "faithful" adaptations
Game of Thrones screens show action, pre-order on Steam to get official Prima eGuide
King's Landing screened and detailed for Game of Thrones RPG
Castlewood is the focus of these new Game of Thrones RPG screens
Cyanide confirms development, gameplay for A Game of Thrones RPG
A Game of Thrones: Genesis will require "a certain investment" from players


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FLORHAM PARK, N.J. (AP) The Terminator has been terminated.
New York Jets fullback John Conner, whose nickname came from one of the main characters from the popular Arnold Schwarzenegger movies, has been waived by the team with an injury settlement Wednesday. Conner, the Jets' fifth-round draft pick in 2010, has been dealing with knee and hamstring injuries all season.
Coach Rex Ryan says the Jets made the move because they needed the roster spot, adding that Conner could potentially be back. Recently signed fullback Lex Hilliard has also done a nice job filling in for Conner, helping Shonn Greene rush for a career-high 161 yards Sunday against Indianapolis.
The Jets signed linebacker Marcus Dowtin, an undrafted free agent from North Alabama, from the practice squad to take Conner's roster spot.