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Caroline Steinman Nunan

0 Comments | Intelligencer Journal Lancaster New Era; Combined Saturday edition, Jul 27, 2010

Caroline Steinman Nunan “Carrie,” 85, of Lancaster passed away Sunday, July 25, 2010 at the Dartmouth Hitchcock Medical Center in Lebanon, NH. Born in Lancaster, she was the daughter of the late James Hale and Louise Tinsley Steinman. She was a graduate of the Shippen School for Girls in Lancaster, the Greenwood School in Maryland and the Katherine Gibbs School in New York.

Carrie was a director of Steinman Enterprises, which includes Lancaster Newspapers Inc., owner of the Intelligencer Journal/ Lancaster New Era, Sunday News, Lancaster Farming and Lancaster County Weeklies.

Other Steinman Enterprises with which she was involved are the Intelligencer Printing Co., Delmarva Broadcasting Co., with radio stations in Delaware and Maryland, and Steinman Park Restaurant Inc. She was a partner in Steinman Development Co., owner of coal and gas lands in Virginia and Pennsylvania.

Carrie was also the chairwoman of the James Hale Steinman Foundation, a private foundation created in December 1951 for the purpose of providing grants to tax-exempt nonprofit organizations, primarily those serving the citizens of Lancaster County.

At the time of her death, Carrie was a trustee emeritus of Franklin and Marshall College, a board member of the Lancaster Summer Arts Festival and a director of the Heritage Center of Lancaster County.

Carrie is widely credited with helping to shape a thriving cultural climate here through her tireless volunteerism, generous charitable giving and remarkable fundraising capabilities.

She was a founder and past president of the Lancaster Summer Arts Festival, the free festival of visual and performing arts that has grown in popularity since its inception in 1963. She was also a founding member of the Pennsylvania Academy of Music and received the nonprofit cultural landmark’s “Director’s Award” in 1993.

Carrie supported arts programs for young people as well. She contributed to the Fulton Opera House’s Youtheatre program, which provides programs for at-risk, disabled and disadvantaged teens. In 2005 she helped bring the Classical Music for Urban Kids program to the Crispus Attucks auditorium during the Summer Arts Festival. In April of this year, Carrie received the “Outstanding Leadership and Service in Arts for Youth Award” from Gov. Ed Rendell.

Carrie’s legendary philanthropic efforts extended far beyond the arts, into historic preservation, public health, education and the environment.

She was a life member of the Lancaster County Conservancy and was given the conservancy’s Partnership Award, its most prestigious honor, in 1999. That same year, Franklin and Marshall College named its campus, which is a designated arboretum, the Caroline Steinman Nunan Arboretum at Franklin and Marshall College.

Carrie’s numerous board memberships included the American Red Cross, which she served for 15 years as a Gray Lady volunteer at Lancaster General Hospital. She also served on the boards of the Demuth Foundation, Fulton Bank, where she was the first woman director, Planned Parenthood of the Susquehanna Valley, Hospice of Lancaster County, Lancaster Country Day School and Lancaster Symphony Orchestra. She was a past trustee of Lancaster General Hospital.

Carrie was named a “Distinguished Daughter of Pennsylvania” and received the “Red Rose City of Lancaster Award” from Mayor Albert Wohlsen in 1979.

A charter member of the Rock Ford Foundation, the organization that rescued the home of Colonial war hero Gen. Edward Hand, she was also a member of the Lancaster Farmland Trust’s “Founders Society.”

A supporter of scouting, Carrie won an honorary lifetime membership to the Penn Laurel Girl Scout Council, and in 1996 was awarded the “Distinguished Citizen Award” by the Pennsylvania Dutch Council Boy Scouts of America.

In 1983 she received the “Service to Mankind Award” from the Sertoma Club, and in 1998, the John A. Jarvis Medal for Distinguished Service from the Lancaster Country Day School.

Carrie was awarded the honorary degree of Doctor of Humane Letters from F and M in 2003
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Secondly a great sale is where

Secondly a great sale is where the customer comes back for more but the product or service doesn?t! In my experience, once a customer has outlined their problem, the implications and costs of the problem remaining unsolved (and ladies and gentlemen, the problem could be anything from I need a bigger house to I want to by an Enterprise class business solution for my company) and how great their world would be with the problem solved, how motivated are they to commit to buy your offering once you?ve helped them to see that your solution *exactly* matches their problem.

?Yeah this is great but what if it doesn?t match?? I hear you cry. Of course if your potential customer has a problem that you cannot solve it is still great news. The next step given this situation is to help your customer solve their problem by referring them on to another company, consultant or sales person ? one whom you know can solve their problem.

In essence the key strategy here is to remember that customer buying habits and decisions have little to do with you, what script you think you are using, what suit your wearing, what car you turn up to the sales meeting in and everything to do with the overall fit of your solution to their problem.
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Clarence Page: How small loans became big business

0 Comments | San Gabriel Valley Tribune, Jun 24, 2010 | by Anonymous

IT’S not really fair to refer to payday lenders as loan sharks. After all, loan sharks don’t have their own lobbyists.

Nor do loan sharks advertise with big signs on city streets, rural strip malls and the Internet.

Yet, in the 35 states where they still operate legally, “payday lenders” – like their brethren in pawn shops and the “instant tax refund” businesses – often charge percentage rates that on an annualized basis run high enough to make real sharks drool.

The $42 billion a year industry offers short-term loans secured by your next paycheck in exchange for hefty fees that, as annualized percentage rates of interest can run into the triple digits – as high as 650 percent in some states.

Of course, payday lenders argue that it is not fair to talk about their “annual” percentage rate as we might with a conventional loan for a house or car because payday loans are not offered on an annual basis. The loan is pegged to your next payday, not to the next year.

Indeed, that doesn’t have to be a bad thing, if you’re living paycheck-to-paycheck and need fast cash for a health emergency, car repair or some other calamity.

Most of the states that permit these two-week payday advances limit lenders to a fee of $15 on every $100 they loan out. That percent doesn’t sound like much, especially if you pay it all back on time.

But borrowing can be addictive. Despite their advertising, the average payday loan rolls over between eight and twelve times, according to various research and consumer organizations. Stretched out all year, that $15 fee per $100 works out to an annual percentage rate of almost 400 percent, according to Gary Rivlin, author of “Broke, USA: From Pawn Shops to Poverty Inc. – How the Working Poor Became Big Business.”

“Any more than six payday loans in a year and you’re no longer talking about an emergency product, but a very expensive way of balancing the monthly checkbook,” says Rivlin, a former New York Times reporter.

In an amendment cosponsored by Democratic Sens. Dick Durbin of Illinois and Charles Schumer of New York, to Connecticut Democratic Sen. Chris Dodd’s financial regulatory reform bill, Democratic Sen. Kay Hagan of North Carolina recently proposed a modest limit of no more than six payday loans a year.

But it never reached a vote, thanks to a parliamentary move by Alabama Republican Sen. Richard Shelby, who just happened to receive more campaign donations from payday lenders in 2009 than any other Republican senator (behind three Democrats, according to Citizens for Responsibility and Ethics in Washington).

In legislating regulations for banks that are “too big to fail,” credit for the working poor may seem too small to matter.

Yet as Rivlin shows, “Poverty, Inc.,” is a multibillion-dollar industry that provided the model for subprime lending abuses that brought the big lenders down.

(Full disclosure: I have been asked to write the preface without compensation to a forthcoming edition of Rivlin’s award-winning 1992 book “Fire on the Prairie” about the late Chicago Mayor Harold Washington.)

As is so often true of such tragedies, the subprime market’s meltdown began with the best of intentions. Most poor people try very hard to pay their debts, even when they wind up paying way more than they initially borrowed.

Unfortunately, some lenders, if they can get away with it, inevitably will talk borrowers into borrowing more than they can afford. For all the angry talk we hear about the “moral hazards” of leniency toward those who borrow more than they can afford, the bigger moral hazard comes from certain slick lenders who talk them into it.

With Hagan’s measure dead, reformers now turn to the larger and more sweeping Consumer Financial Protection Agency created by House and Senate leaders in their new financial reform measures

You may find that half your

You may find that half your town has a membership and you have to wait in line to use the equipment.

Management – Is there an active owner or manager on the premises? What is there policy regarding restacking your weights and the playing of loud music? In some gyms, anything goes and you may hear 3 or 4 different stereos playing at the same time, weights are thrown around and you can never find the equipment you would like to use. This is a sign of poor and inattentive management and should probably be removed from consideration.

Everybody is different and there is not a single solution for picking the ideal gym. The key is to find a place that you feel comfortable and that you will use on a regular basis.
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This is largely due to the

This is largely due to the fact that the toxins in the digestive system cause the body to become more acidic. When the body is in an acidic condition, it can not burn fat, build muscle, and the body is more prone to illnesses and diseases. The weight gain from Candidiasis can be any where from 15 to 50 pounds and this weight is stored in the gut.

As the Candidiasis becomes more widespread throughout the body, your cravings for sugar and refined carbs intensify. This overwhelming sensation can cause you to succumb to your cravings, allowing the Candidiasis to thrive longer and stronger and keeping you at its whim.

Candidiasis Signs and Symptoms can include:

? Sluggish metabolism

? Increases in carb and sugar cravings

? Improper digestion

? Food allergies

? Weight gain

? Gas and/or cramping or bloating after eating

? Hypoglycemia

? Feeling light headed after eating certain foods

? Fatigue after eating

? Feeling drunk after a high carb meal since Candidiasis waste is alcohol

Other Signs and Symptoms can include:

? Intense PMS

? Chest pain

? Joint pain

? Night sweats

? Mood swings

? Depression

? Memory loss

? Blurred visions

? Headaches

? Insomnia

? Fungal infections (yeast infections, athletes foot, etc.)

? Sexual dysfunction

? Rashes, hives, or other skin conditions

? Anxiety

? Hyperactivity

? Excessive mucus in throat, nose and lungs

? Sinus pressure

Other Contributing Factors

Antibiotics are usually the primary cause of Candidiasis.
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Lay the cables in

Lay the cables in the pit in a pattern which allows even heat over the entire hot bed. You can uses landscape staples to fasten it down, or cut clothes hangers and bend into a staple shape. Do not allow the wires of the heat cable to cross, and make sure the outlet you use to plug it in has a ground fault circuit breaker installed in it. Cover this with about one inch of dirt, and then cover this with some fiberglass window screen. This is to prevent you from cutting the electric cable if you start digging in the hot bed with a trowel. Then cover the screen with about two inches of topsoil or potting soil. Again, you may plant directly in this, or in bedding packs.

The hot bed can be turned into a propagation chamber to root cuttings in midsummer.

A hot bed can be constructed the old fashioned way with fresh manure and organic matter, or with electric heating cables. Either way, it is an ideal structure to use to start seedlings in the spring and root cuttings in midsummer.

? 2006 Paul Wonning is the owner of Gardens and Nature.com a web site about gardening, hiking and other nature related topics.

Our blog about gardening is located here =>Abes Beer Garden – Blog about Gardening

Our hobby and craft related blog, Hobby Hobnob, is located at this link:
http://hobbyhobnob.blogspot.com/.
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Second child dies at Daytona

0 Comments | Nottingham Evening Post, Jul 21, 2010

ANOTHER child has died after an accident with a vehicle on a beach where a Notts girl was killed.

The four-year-old boy, from Florida, died after he was hit by a truck in Daytona Beach last Sunday.

The youngster’s death comes just four months after Ellie Bland, also four, from Hyson Green, died after she was hit by a car as she walked hand-in-hand along the beach with her great-uncle, John Langlands, from Bilborough.

Carl Persis, Volusia County Councillor, has been calling for a vehicle ban on the beach since Ellie died on March 20.

He will meet county councillors tomorrow to discuss the issue. He said: “We are going to bring up the issue once again about driving on the beach and creating more auto-free zones.

“I’ve been trying ever since Ellie’s tragic accident happened to have something done. I think this time there will be more support for it.”

Last month the Post reported how Mr Persis had campaigned for a one-way traffic zone on the beach.

Traffic engineers were set to recommend suitable sites along Daytona Beach where these could be placed.

Have your say online by visiting thisisnottingham.co.uk

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Teenager jailed after stealing a motorbike [Edition 2]

0 Comments | Grimsby Telegraph, Jul 26, 2010

TEENAGER Jake Rylatt was caught with a stolen motorcycle after being seen riding it.

Rylatt, 18, of Sheffield Street, Scunthorpe, admitted theft, failing to wear protective headgear while riding a motorcycle, having no insurance and driving with the wrong class of licence when he appeared at North Lincolnshire Magistrates’ Court.

Debbie Sanders, prosecuting, said a motorcycle had earlier been stolen from St Lawrence’s Road, Scunthorpe.

Neighbours alerted the owners to say that a garage was on fire. Bikes had been stolen before the fire was started.

The brother of the motorcycle’s owner spotted two men using the bike near Pittwood House.

They dropped the bike and ran off, but Rylatt was seen in Ashby Road and later arrested.

Graham Pressler, mitigating, said Rylatt claimed he stole the bike from outside a shed with another man and denied being involved in starting the fire.

He had already spent the equivalent of about four months in custody. He had been locked up for a month at an earlier hearing for handling stolen goods and had spent further time in custody for that offence and later for these.

His most recent spell in custody had been for 17 days.

Rylatt was jailed for a month but, because of his time spent in custody on remand, was released almost immediately.

He was also banned from driving for a year.

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Energy 'green dream' must face reality

Energy ‘green dream’ must face reality

Deseret News (Salt Lake City), Jul 25, 2010 by Kerry A. Lynch McClatchy-Tribune Forum

The vision of a “green” economy fueled by wind, sun and renewable fuels is powerfully appealing. But there’s a huge disconnect between this vision and the reality of America’s energy needs.

The widespread use of fossil fuels — oil, natural gas and coal – - has enabled the United States and other industrialized countries to create unprecedented prosperity. The inconvenient truth is that no one has yet developed an alternative to fossil fuels capable of providing energy on a comparable scale at a comparable cost.

As the Obama administration continues its push for a moratorium on deepwater drilling and earmarks an additional $2 billion in stimulus funds for solar energy companies, Americans need to recognize that developing cleaner energy sources and reducing our reliance on fossil fuels is not impossible, but it’s a huge challenge that is much more complicated than the bumper stickers and slogans suggest.

Shifting from one energy source to another is difficult because their costs vary greatly and they are not necessarily interchangeable. Some 84 percent of the energy we Americans consume comes from fossil fuels today. Only 8 percent comes from renewable sources — most of that from hydroelectric power.

For all the hype over wind and solar, the reality is that they contribute very little to our energy supply, with wind accounting for less than 1 percent of total U.S. energy consumption and solar for just one-tenth of 1 percent. Together, they could power the country for all of three days a year.

What’s more, renewables are extremely expensive relative to fossil fuels because of the huge up-front capital investments needed to develop them — something that won’t change dramatically any time soon even if government mandates and subsidies continue to increase and there’s a sharp rise in fossil fuel prices.

Moreover, petroleum, natural gas, coal, nuclear power and renewable energy are not interchangeable and can not necessarily be substituted for one another. Wind and solar power, for example, cannot be used for transportation. And nuclear power can be used only to generate electricity.

To make intelligent choices, Americans need to see the big picture. They need to understand that nearly 28 percent of total U.S. energy use goes to transportation and that 95 percent of that comes from petroleum, while just 2 percent comes from natural gas and 3 percent from renewable energy.

Americans need to understand that industry consumes about 21 percent of total U.S. energy. Some 42 percent of that also comes from petroleum, 40 percent from natural gas, 9 percent from coal and10 percent from renewable energy, mostly hydroelectric.

Our homes, offices and businesses consume approximately 11 percent of the energy we use
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