Area of Stephens Lake Park is restricted after three fall
Columbia Parks and Recreation put up a temporary fence Friday where officials say three men fell from a cliff near Sherman's Dam in Hinkson Creek
Missouri Private Lake
This beautiful, private lake was completed in 1990. Surrounded by approximately 80 acres of undeveloped land, this 12 acre lake provides the perfect getaway, while also boasting potential for residential development. With depths reaching 35 feet, personal watercraft can be enjoyed all through the summer months. This lake is a fisherman's dream. Fully stocked with hybrid perch, crappie, catfish, large mouth bass, wiper bass, and spoonbill, you will be able to invite all of you friends over for the biggest fish fry of your life. The land surrounding the lake could be mistaken for a state park, as the owner has always been very meticulous about keeping everything looking its best.
Pernell Harrison, No Living It Up on Sabbath - Columbia SDA Church
Pernell Harrison, President/Speaker/Evangelist (Pernell Harrison Ministries) delivers a message of the sermon entitled, No Living It Up on Sabbath. This sermon gives practical ways to Honor God's Holy Sabbath Day.
Key Text: Isaiah 58:13-14 (NKJV).
After the sermon, the closing hymn, Don't Forget the Sabbath is found on # 388 in the Seventh-day Adventist Hymnal.
1. Don't forget the Sabbath, The Lord our God hath blest, Of all the week the brightest, Of all the week the best; It brings repose from labor, It tells of joy divine, Its beams of light descending, With heavenly beauty shine.
2. Keep the Sabbath holy, And worship Him today, Who said to His disciples, I am the living way; And if we meekly follow Our Savior here below, He'll give us of the fountain Whose streams eternal flow.
3. Day of sacred pleasure! Its golden hours we'll spend In thankful hymns to Jesus, The children's dearest Friend; O gentle loving, Savior, How good and kind Thou art, How precious is Thy promise To dwell in every heart!
Refrain:
Welcome, welcome, ever welcome, Blessed Sabbath day. Welcome, welcome, ever welcome, Blessed Sabbath day.
Video recorded on March 12, 2016 at Columbia Seventh-day Adventist Church in Columbia, Tennessee USA
Columbia Seventh-day Adventist Church; Columbia, Tennessee
(CC) Closed-captioned for the Hearing Impaired (English).
Subtitles now available: Spanish, Tamil, French, Russian, German, Norwegian, Swedish, Chinese, Filipino, Dutch, Japanese, Portuguese, Hindi, Arabic, Greek, Hebrew, Turkish, Thai, Indonesian, Icelandic, Ukrainian, Georgian, Italian, Lao, Slovak, Swahili, Danish, Polish, Finnish, Macedonian, Korean, Nepali, Khmer, Persian (Farsi), Telugu, Vietnamese, Bulgarian, Hungarian, Myanmar (Burmese), Croatian, Romanian, Czech
Scripture quotations marked NKJV TM are taken from the New King James Version. Copyright (c) 1982 by Thomas Nelson, Inc. Used by permission. All Rights reserved.
Other websites to be helpful...
Seventh-day Adventist Church
SabbathTruth.com
MySDATV
Amazing Facts
3ABN
Hope Channel
The Sabbath App
Also another resource from Amazing Facts, it's a sharing magazine entitled, The Rest of Your Life! This sharing magazine contains information about the Seventh-day Sabbath to honor and to keep God's Day of Rest. You can order a copy or additional copies to the following link below...
Mt. Elizabeth Property, Near East Sonora and Twain Harte--$65,000
$65,000 Mt. Elizabeth Property!!
Near East Sonora & Twain Harte CA
Gorgeous 280 degree view from this private piece of land. Borders National Forest on 2 sides. Can easily reach lower cul-de-sac with 2 wheel drive vehicle but NEED 4 WHEEL DRIVE to easily reach upper cul-de-sac. ONE PART OF THE ROAD IS A LITTLE ROCKY. Northwest, West, and Southwest exposure.
it also borders 5 mile creek for 1100 feet. the building site sits about 1/4 mile below the fire tower. Entrance is through a private gate so you must have a key to access. Lock box on gate.
Hunting and fishing and bring a tent until you build your dream home.
1 mile to Twain Harte as the crow flies. Come and enjoy the Sierra Nevada Mountains from this Eagles Perch.
If interested please contact listing Agent
Cheryl Balbuena (BRE#01208371)
Coldwell Banker Twain Harte
209-768-8595
5th Annual Lake Walcott Iced Over Bowl
This year we raised over 900lbs. of food and $2050.00 for the Valley House. We had 131 athlete participate and was a lot of fun.
How to catch catfish in winter - 11 tips for winter catfishing
How to catch catfish in winter. Here are 11 tips for winter catfishing. Fishing for catfish in the winter can produce some amazing fish. But fishing for catfish in the winter is different than fishing in the summer.
So here are my 11 winter catfishing tips:
1. If you don’t get a bite in 15 minutes, move your bait. Whether you recast or change spots don’t sit still for more than 15 minutes. Unlike summer, catfish tend not to travel much in winter. They find a spot and sit there. So if you have to go find the catfish, they won’t come to you. If they haven’t bit after 15 minutes, you haven’t found them yet and you need to move.
2. Look for warm waterWhen its cold, you’ll find fish when you find warm water. Warm is a relative term. Sometimes only a few degrees is all it takes. If you don’t have a fish finder, get a thermometer. If there is ice, look for that one place that hardly ever freezes over.
3. Adhesive hand warmers. They cost about $5 to $10 for a pack of 10 and they last 12 hours. Stick them to your front, your back, wherever. Stick them to your base layer and Don’t stick them directly to your skin. This is a great way to keep kids warm in cold weather.
4. My favorite bait is cut shad – if you can’t use shad try to use whatever bait fish the catfish in your area feed on. During the coldest parts of winter, many of the bait fish die. The catfish spend the winter cruising around looking for dead bait fish. Give them what they are looking for.
5. Smaller baits for channel catfish and flatheads. Big cut baits for blue catfish. I tend to find that the blue catfish are more aggressive in winter and the channel cats and flatheads are more sluggish. Channel catfish and flathead have a hard time nailing a big bait and getting it into the mouth properly so I go with about 40-50% smaller baits in the winter. Blues, don’t have that problem. Go big.
6. Everything takes more time. Plan for it. Cold weather makes getting dressed take more time, tying rigs takes more time, finding bait takes more time, everything takes more time, so plan for it.
7. On warm days, fish shallow flats next to deep water. When the sun comes out and the air temperature goes up, shallow water will heat up a lot more than deep water. So when the weather gets warm and the sun comes out shallow flats next to deep water can attract bait fish and catfish.
8. Fish the edge of melting ice. As bait fish die off during the coldest part of winter some of them get frozen in the ice. As the ice melt dead shad fall out and get gobbled up. Catfish cruise along the edge of melting ice waiting for manna from heaven, so fish there.
9. Get a cast net with a 30’ lead and learn to catch shad using only your sonar. Once you know what depth the shad are at, they become very predictable. If you want to use bait fish as bait, a cast net is an awesome tool. But in winter the bait fish often go very deep. You have to be able to find them on sonar and then get your cast net 20-30’ deep. To see how I do that check out this video.
10. Day time is better than night time. While night fishing is better in summer, in the winter, day time is best.
11. Bites can be very subtle. Using a bite alarm with a hanger is really helpful in detecting super subtle bites.
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Fishing Stereotypes
Fishing Stereotypes. Love 'em or hate 'em, we all know 'em.
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Shoreline Fishing for Walleye in Washington
This short video highlights basic shoreline angling techniques for catching Walleye in Washington state.
Catching BIG FISH in SEWER! Monster Mike
I Catch some Big Fish in the nearby sewer systems before Feeding my good friend Zak aka CATCH EM ALL FISHING's MONSTER PETS! Shamu made my hand bleed!
Filmed by @reelguyry
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2012
From Roland Emmerich, director of THE DAY AFTER TOMORROW and INDEPENDENCE DAY, comes the ultimate action-adventure film, exploding with groundbreaking special effects. As the world faces a catastrophe of apocalyptic proportions, cities collapse and continents crumble. 2012 brings an end to the world and tells of the heroic struggle of the survivors. Starring John Cusack, Chiwetel Ejiofor, Amanda Peet, Woody Harrelson and Danny Glover. (c) 2009 Columbia Pictures Industries , Inc. All Rights Reserved.
Suspense: Crime Without Passion / The Plan / Leading Citizen of Pratt County
A crime of passion, or crime passionnel, in popular usage, refers to a violent crime, especially murder, in which the perpetrator commits the act against someone because of sudden strong impulse such as sudden rage or heartbreak rather than as a premeditated crime. The act, as is suggested by the name (crime passionnel - from French language) is often associated with the history of France. However, such crimes have existed and continue to exist in most cultures.
A crime of passion refers to a criminal act in which the perpetrator commits a crime, especially murder or assault, against someone because of sudden strong impulse such as sudden rage or heartbreak rather than as a premeditated crime. A typical crime of passion might involve an aggressive pub-goer who assaults another guest following an argument or a husband who discovers his wife has made him a cuckold and proceeds to brutally batter or even kill his wife and the man with whom she was involved.
In the United States civil courts, a crime of passion is referred to as temporary insanity. This defense was first used by U.S. Congressman Daniel Sickles of New York in 1859 after he had killed his wife's lover, Philip Barton Key, but was most used during the 1940s and 1950s.
In some countries, notably France, crime passionnel (or crime of passion) was a valid defense during murder cases; during the 19th century, some cases could be a custodial sentence for two years for the murderer, while the spouse was dead; this ended in France as the Napoleonic code was updated in the 1970s so that a specific father's authority upon his whole family was over.
Fishing Staring Blake and Josh Fishing at Kill Creek
The Vietnam War: Reasons for Failure - Why the U.S. Lost
In the post-war era, Americans struggled to absorb the lessons of the military intervention. About the book:
As General Maxwell Taylor, one of the principal architects of the war, noted, First, we didn't know ourselves. We thought that we were going into another Korean War, but this was a different country. Secondly, we didn't know our South Vietnamese allies... And we knew less about North Vietnam. Who was Ho Chi Minh? Nobody really knew. So, until we know the enemy and know our allies and know ourselves, we'd better keep out of this kind of dirty business. It's very dangerous.
Some have suggested that the responsibility for the ultimate failure of this policy [America's withdrawal from Vietnam] lies not with the men who fought, but with those in Congress... Alternatively, the official history of the United States Army noted that tactics have often seemed to exist apart from larger issues, strategies, and objectives. Yet in Vietnam the Army experienced tactical success and strategic failure... The...Vietnam War...legacy may be the lesson that unique historical, political, cultural, and social factors always impinge on the military...Success rests not only on military progress but on correctly analyzing the nature of the particular conflict, understanding the enemy's strategy, and assessing the strengths and weaknesses of allies. A new humility and a new sophistication may form the best parts of a complex heritage left to the Army by the long, bitter war in Vietnam.
U.S. Secretary of State Henry Kissinger wrote in a secret memo to President Gerald Ford that in terms of military tactics, we cannot help draw the conclusion that our armed forces are not suited to this kind of war. Even the Special Forces who had been designed for it could not prevail. Even Secretary of Defense Robert McNamara concluded that the achievement of a military victory by U.S. forces in Vietnam was indeed a dangerous illusion.
Doubts surfaced as to the effectiveness of large-scale, sustained bombing. As Army Chief of Staff Harold Keith Johnson noted, if anything came out of Vietnam, it was that air power couldn't do the job. Even General William Westmoreland admitted that the bombing had been ineffective. As he remarked, I still doubt that the North Vietnamese would have relented.
The inability to bomb Hanoi to the bargaining table also illustrated another U.S. miscalculation. The North's leadership was composed of hardened communists who had been fighting for independence for thirty years. They had defeated the French, and their tenacity as both nationalists and communists was formidable. Ho Chi Minh is quoted as saying, You can kill ten of my men for every one I kill of yours...But even at these odds you will lose and I will win.
The Vietnam War called into question the U.S. Army doctrine. Marine Corps General Victor H. Krulak heavily criticised Westmoreland's attrition strategy, calling it wasteful of American lives... with small likelihood of a successful outcome. In addition, doubts surfaced about the ability of the military to train foreign forces.
Between 1965 and 1975, the United States spent $111 billion on the war ($686 billion in FY2008 dollars). This resulted in a large federal budget deficit.
More than 3 million Americans served in the Vietnam War, some 1.5 million of whom actually saw combat in Vietnam. James E. Westheider wrote that At the height of American involvement in 1968, for example, there were 543,000 American military personnel in Vietnam, but only 80,000 were considered combat troops. Conscription in the United States had been controlled by the President since World War II, but ended in 1973.
By war's end, 58,220 American soldiers had been killed, more than 150,000 had been wounded, and at least 21,000 had been permanently disabled. According to Dale Kueter, Sixty-one percent of those killed were age 21 or younger. Of those killed in combat, 86.3 percent were white, 12.5 percent were black and the remainder from other races. The youngest American KIA in the war was PFC Dan Bullock, who had falsified his birth certificate and enlisted in the US Marines at age 14 and who was killed in combat at age 15. Approximately 830,000 Vietnam veterans suffered symptoms of posttraumatic stress disorder. An estimated 125,000 Americans fled to Canada to avoid the Vietnam draft, and approximately 50,000 American servicemen deserted. In 1977, United States President Jimmy Carter granted a full, complete and unconditional pardon to all Vietnam-era draft dodgers. The Vietnam War POW/MIA issue, concerning the fate of U.S. service personnel listed as missing in action, persisted for many years after the war's conclusion.
CULTURAS PRECOLOMBINAS 6: Los Nativos de Norteamérica - Inuits, Sioux, Anasazi, Cahokia (Historia)
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#Historia #NativosNorteamérica #Documental
CULTURAS PRECOLOMBINAS 6: Los Nativos de Norteamérica - Inuits, Sioux, Anasazi, Cahokia
EPISODIO 63 de PERO ESO ES OTRA HISTORIA (web serie documental)
***COLABORA EN PATREON***
En este vídeo he querido hacer un repaso bastante rápido por las principales culturas o tribus de Norteamérica, desde la prehistoria hasta la llegada de los colonizadores a partir de 1500. En el Ártico triunfaron culturas como la Dorset, la Thule o la Saqqaq, que darían origen a los Inuits y Yupik.
Los Algonquinos se expandieron del este de Canadá por toda la costa este de los Estados Unidos, y dieron lugar a tribus como los Cree, los Mohicanos, los Cheyenne o los Pies Negros, quienes vivían en las típicas chozas llamadas Wigwams. Junto a ellos vivían los Iroqueses, como los Mohawk y los Cherokee.
Por otro lado, en la zona del río Mississippi se instalaron culturas como la Adena, la Hopewell y la Cultura Mississippi, cuya gran ciudad fue Cahokia. Por las llanuras del centro de norteamérica vivían los Sioux, los Crow, los Cheyenne, los Shoshones, los Comanche y muchos otros.
Finalmente, en las zonas más desérticas aparecieron culturas como la Clovis, la Mogollón y la Cultura Anasazi, que acabaron evolucionando en los Pueblo (Hopi y Zuñi) y guardan bastantes misterios, como sus curiosos petroglifos y su repentina desaparición.
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Pero eso es otra Historia es una serie documental semanal emitida a través de Youtube que busca ser un resumen divertido de toda la historia de la humanidad, desde la creación de la Tierra hasta la actualidad. Si buscas curiosidades sobre la Historia, este es tu sitio.
Si eres estudiante de historia o estás haciendo las oposiciones para geografía e historia estos resúmenes te van a venir genial. No te olvides de compartirlos con tus compañeros. Resúmenes para la carrera de Historia, resúmenes UNED, resúmenes para selectividad, esquemas, gráficos, animaciones, mapas, ilustraciones... todo lo que necesitas para aprobar.
Nuclear Power and Bomb Testing Documentary Film
The Waste Isolation Pilot Plant, or WIPP, is the world's third deep geological repository (after closure of Germany's Repository for radioactive waste Morsleben and the Schacht Asse II Salt Mine) licensed to permanently dispose of transuranic radioactive waste for 10,000 years that is left from the research and production of nuclear weapons. It is located approximately 26 miles (42 km) east of Carlsbad, New Mexico, in eastern Eddy County.
In order to address growing public unrest concerning construction of the WIPP, the New Mexico Environmental Evaluation Group (EEG) was created in 1978. This group, charged with overseeing the WIPP, verified statements, facts, and studies conducted and released by the DOE regarding the facility. The stewardship this group provided effectively lowered public fear and let the facility progress with little public opposition in comparison to similar facilities around the nation such as Yucca Mountain in Nevada.
The EEG, in addition to acting as a check for the government agencies overseeing the project, acted as a valuable advisor. In a 1981 drilling, pressurized brine was again discovered. The site was set to be abandoned when the EEG stepped in and suggested a series of tests on the brine and the surrounding area. These tests were conducted and the results showed that the brine deposit was relatively small and was isolated from other deposits. Drilling in the area was deemed safe due to these results. This saved the project valuable money and time by preventing a drastic relocation.
In 1979 Congress authorized construction of the facility. In addition to formal authorization, Congress redefined the level of waste to be stored in the WIPP from high temperature to transuranic, or low level, waste. Transuranic waste often consists of materials which have come in contact with radioactive substances such as plutonium and uranium. This often includes gloves, tools, rags, and assorted machinery often used in the production of nuclear fuel and weapons. Although much less potent than nuclear reactor byproducts, this waste still remains radioactive for approximately 24,000 years. This change in classification led to a decrease in safety parameters for the proposed facility, allowing construction to continue at a faster pace.
The first extensive testing of the facility was due to begin in 1988. The proposed testing procedures involved interring samples of low level waste in the newly constructed caverns. Various structural and environmental tests would then be performed on the facility to verify its integrity and to prove its ability to safely contain nuclear waste. Opposition from various external organizations delayed actual testing into the early 1990s. Attempts at testing were resumed in October 1991 with US Secretary of Energy James Watkins announcing that he would begin transportation of waste to the WIPP.
Despite apparent progress on the facility, construction still remained costly and complicated. Originally conceptualized in the 1970s as a warehouse for waste, the repository now had regulations similar to those of nuclear reactors. As of December 1991, the plant had been under construction for 20 years and was estimated to have cost over one billion dollars. At the time, WIPP officials reported over 28 different organizations claiming authority over operations of the facility.
In November 1991, a federal judge ruled that Congress must approve WIPP before any waste, even for testing purposes, was sent to the facility. This indefinitely delayed testing until Congress gave its approval. The 102nd United States Congress passed legislation allowing use of the WIPP. The House of Representatives approved the facility on October 6, 1992 and the Senate passed a bill allowing the opening of the facility on October 8 of the same year. The bill was met with much opposition in the Senate. Senator Richard H. Bryan fought the bill based on safety issues that concerned a similar facility located in Nevada, the state for which he was serving as senator. His efforts almost prevented the bill from passing. New Mexico senators Pete V. Domenici and Jeff Bingaman effectively reassured Senator Bryan that these issues would be addressed in the 103rd Congress. The final legislation provided safety standards requested by the House and an expedited timeline requested by the Senate.
Calling All Cars: Body in the Mine / Twenty Keys to Death / Verduga Hills Murder
The radio show Calling All Cars hired LAPD radio dispacher Jesse Rosenquist to be the voice of the dispatcher. Rosenquist was already famous because home radios could tune into early police radio frequencies. As the first police radio dispatcher presented to the public ear, his was the voice that actors went to when called upon for a radio dispatcher role.
The iconic television series Dragnet, with LAPD Detective Joe Friday as the primary character, was the first major media representation of the department. Real LAPD operations inspired Jack Webb to create the series and close cooperation with department officers let him make it as realistic as possible, including authentic police equipment and sound recording on-site at the police station.
Due to Dragnet's popularity, LAPD Chief Parker became, after J. Edgar Hoover, the most well known and respected law enforcement official in the nation. In the 1960s, when the LAPD under Chief Thomas Reddin expanded its community relations division and began efforts to reach out to the African-American community, Dragnet followed suit with more emphasis on internal affairs and community policing than solving crimes, the show's previous mainstay.
Several prominent representations of the LAPD and its officers in television and film include Adam-12, Blue Streak, Blue Thunder, Boomtown, The Closer, Colors, Crash, Columbo, Dark Blue, Die Hard, End of Watch, Heat, Hollywood Homicide, Hunter, Internal Affairs, Jackie Brown, L.A. Confidential, Lakeview Terrace, Law & Order: Los Angeles, Life, Numb3rs, The Shield, Southland, Speed, Street Kings, SWAT, Training Day and the Lethal Weapon, Rush Hour and Terminator film series. The LAPD is also featured in the video games Midnight Club II, Midnight Club: Los Angeles, L.A. Noire and Call of Juarez: The Cartel.
The LAPD has also been the subject of numerous novels. Elizabeth Linington used the department as her backdrop in three different series written under three different names, perhaps the most popular being those novel featuring Det. Lt. Luis Mendoza, who was introduced in the Edgar-nominated Case Pending. Joseph Wambaugh, the son of a Pittsburgh policeman, spent fourteen years in the department, using his background to write novels with authentic fictional depictions of life in the LAPD. Wambaugh also created the Emmy-winning TV anthology series Police Story. Wambaugh was also a major influence on James Ellroy, who wrote several novels about the Department set during the 1940s and 1950s, the most famous of which are probably The Black Dahlia, fictionalizing the LAPD's most famous cold case, and L.A. Confidential, which was made into a film of the same name. Both the novel and the film chronicled mass-murder and corruption inside and outside the force during the Parker era. Critic Roger Ebert indicates that the film's characters (from the 1950s) represent the choices ahead for the LAPD: assisting Hollywood limelight, aggressive policing with relaxed ethics, and a straight arrow approach.
Men In Black 3
Agent Jay travels back in time to 1969, where he teams up with a younger version of Agent Kay to stop an evil alien from destroying the future. 2012 Columbia Pictures Industries, Inc. and Hemisphere - Culver Picture Partners I, LLC. All Rights Reserved.
Political Figures, Lawyers, Politicians, Journalists, Social Activists (1950s Interviews)
Interviewees:
Harold Himmel Velde, United States political figure
Hugh D. Scott, Jr., American lawyer and politician
John V. Beamer, U.S. Representative from Indiana
Orland K. Armstrong, Republican United States Representative, journalist, and social activist
Edward L.R. Elson, Presbyterian minister and Chaplain of the United States Senate
Richard Russell, Jr., American politician from Georgia
Richard Brevard Russell, Jr. (November 2, 1897 -- January 21, 1971) was an American politician from Georgia. A member of the Democratic Party, he briefly served as Governor of Georgia (1931--33) before serving in the United States Senate for almost 40 years, from 1933 until his death in 1971. As a Senator, he was a candidate for President of the United States in the 1952 Democratic National Convention, coming in second to Adlai Stevenson.
Russell was a founder and leader of the conservative coalition that dominated Congress from 1937 to 1963, and at his death was the most senior member of the Senate. He was for decades a leader of Southern opposition to the civil rights movement.
Russell competed in the 1952 Democratic presidential primary, but was shut-out of serious consideration by northern Democratic leaders who saw his support for segregation as untenable outside of the Jim Crow South. When Lyndon Johnson arrived in the Senate, he sought guidance from knowledgeable senate aide Bobby Baker, who advised that all senators were equal but Russell was the most equal—meaning the most powerful. Johnson assiduously cultivated Russell through all of their joint Senate years and beyond. Russell's support for first-term senator Lyndon Johnson paved the way for Johnson to become Senate Majority Leader. Russell often dined at Johnson's house during their Senate days. However, their 20-year friendship came to an end during Johnson's presidency, in a fight over the Chief Justice nomination of Johnson's friend and Supreme Court justice Abe Fortas in 1968.
While a prime mentor of Johnson, Russell and the then-president Johnson also disagreed over civil rights. Russell, a segregationist, had repeatedly blocked and defeated civil rights legislation via use of the filibuster and had co-authored the Southern Manifesto in opposition to civil rights. He had not supported the States Rights' Democratic Party of Strom Thurmond in 1948, but he opposed civil rights laws as unconstitutional and unwise. (Unlike Theodore Bilbo, Cotton Ed Smith and James Eastland, who had reputations as ruthless, tough-talking, heavy-handed race baiters, he never justified hatred or acts of violence to defend segregation. But he strongly defended white supremacy and apparently did not question it or ever apologize for his segregationist views, votes and speeches.) Russell was key, for decades, in blocking meaningful civil rights legislation that might have protected African-Americans from lynching, disenfranchisement, and disparate treatment under the law. After Johnson signed the Civil Rights Act of 1964, Russell (along with more than a dozen other southern Senators, including Herman Talmadge and Russell Long) boycotted the 1964 Democratic National Convention in Atlantic City.
A prominent supporter of a strong national defense, Russell became in the 1950s the most knowledgeable and powerful congressional leader in this area. He used his powers as chairman of the Senate Armed Services Committee from 1951 to 1969 and then as chairman of the Senate Appropriations Committee as an institutional base to add defense installations and jobs for Georgia. He was dubious about the Vietnam War, privately warning President Johnson repeatedly against deeper involvement.
Step Brothers (Rated)
Brennan Huff, a sporadically employed thirty-nine-year-old who lives with his mother, Nancy. Dale Doback, a terminally unemployed forty-year-old who lives with his father, Robert. When Robert and Nancy marry and move in together, Brennan and Dale are forced to live with each other as step brothers. As their narcissism and downright aggressive laziness threaten to tear the family apart, these two middle-aged, immature, overgrown boys will orchestrate an insane, elaborate plan to bring their parents back together. To pull it off, they must form an unlikely bond that maybe, just maybe, will finally get them out of the house. MPAA Rating: R © 2008 Columbia Pictures Industries, Inc. and Beverly Blvd LLC. All Rights Reserved.
Savings and Loan Crisis: Explained, Summary, Timeline, Bailout, Finance, Cost, History
The following is a detailed summary of the major causes for losses that hurt the savings and loan business in the 1980s. More on the topic:
Lack of net worth for many institutions as they entered the 1980s, and a wholly inadequate net worth regulation.
Decline in the effectiveness of Regulation Q in preserving the spread between the cost of money and the rate of return on assets, basically stemming from inflation and the accompanying increase in market interest rates.
Absence of an ability to vary the return on assets with increases in the rate of interest required to be paid for deposits.
Increased competition on the deposit gathering and mortgage origination sides of the business, with a sudden burst of new technology making possible a whole new way of conducting financial institutions generally and the mortgage business specifically.
Savings and Loans gained a wide range of new investment powers with the passage of the Depository Institutions Deregulation and Monetary Control Act and the Garn--St. Germain Depository Institutions Act. A number of states also passed legislation that similarly increased investment options. These introduced new risks and speculative opportunities which were difficult to administer. In many instances management lacked the ability or experience to evaluate them, or to administer large volumes of nonresidential construction loans.
Elimination of regulations initially designed to prevent lending excesses and minimize failures. Regulatory relaxation permitted lending, directly and through participations, in distant loan markets on the promise of high returns. Lenders, however, were not familiar with these distant markets. It also permitted associations to participate extensively in speculative construction activities with builders and developers who had little or no financial stake in the projects.
Fraud and insider transaction abuses.
A new type and generation of opportunistic savings and loan executives and owners—some of whom operated in a fraudulent manner — whose takeover of many institutions was facilitated by a change in FSLIC rules reducing the minimum number of stockholders of an insured association from 400 to one.
Dereliction of duty on the part of the board of directors of some savings associations. This permitted management to make uncontrolled use of some new operating authority, while directors failed to control expenses and prohibit obvious conflict of interest situations.
A virtual end of inflation in the American economy, together with overbuilding in multifamily, condominium type residences and in commercial real estate in many cities. In addition, real estate values collapsed in the energy states — Texas, Louisiana, and Oklahoma — particularly due to falling oil prices — and weakness occurred in the mining and agricultural sectors of the economy.
Pressures felt by the management of many associations to restore net worth ratios. Anxious to improve earnings, they departed from their traditional lending practices into credits and markets involving higher risks, but with which they had little experience.
The lack of appropriate, accurate, and effective evaluations of the savings and loan business by public accounting firms, security analysts, and the financial community.
Organizational structure and supervisory laws, adequate for policing and controlling the business in the protected environment of the 1960s and 1970s, resulted in fatal delays and indecision in the examination/supervision process in the 1980s.
Federal and state examination and supervisory staffs insufficient in number, experience, or ability to deal with the new world of savings and loan operations.
The inability or unwillingness of the Bank Board and its legal and supervisory staff to deal with problem institutions in a timely manner. Many institutions, which ultimately closed with big losses, were known problem cases for a year or more. Often, it appeared, political considerations delayed necessary supervisory action.