From the How About That? File

From email: You know when you try to pull some foil out and the roll comes out of the box. Then you have to put the roll back in the box and start over. The darn roll always comes out at the wrong time. Well, I would like to share this with you.

Yesterday I went to throw out an empty Reynolds foil box and for some reason I turned it, and looked at the end of the box. And written on the end it said, Press here to lock end. Right there on the end of the box is a tab to lock the roll in place. How long has this little locking tab been there?


I then looked at a generic brand of aluminum foil and it had one, too.

I then looked at a box of Saran wrap and it had one too!

I can't count the number of times the Saran wrap roll has jumped out, when I was trying to cover something up.

I'm sharing this with my friends.

I hope I'm not the only person that didn't know about this.

And Then The Fight Started...


I tried to talk my wife into buying a case of Miller Light for $14.95. Instead, she bought a jar of cold cream for $7.95.


I told her the beer would make her look better at night than the cold cream.


And then the fight started...

Cajun Paul 

Find more videos like this on Bristol Activists and Zap the IRS

• No tax returns!
• Everyone gets a pay raise!
• IRS put out of business!
• Your dollars buy more!
• Good jobs abound!
• Great boost to the Economy!

more information can be found at:

FairTax Nation

FairTax.og

Like success, failure is many things to many people. With Positive Mental Attitude, failure is a learning experience, a rung on the ladder, a plateau at which to get your thoughts in order and prepare to try again.

W. Clement Stone

"The principle of spending money to be paid by posterity, under the name of funding, is but swindling futurity on a large scale." 

--Thomas Jefferson

The Plan

by Newt Gingrich 

Posted 02/17/2009 ET

Updated 02/17/2009 ET

Democrats in Congress have made a $1.14 trillion bet on big government.

With less than 48 hours notice, they passed a 1,073 - page collection of special interest spending and dared to call it a “plan.” 

With interest, the $787 billion bill will cost us, our children and their children about $1.14 trillion. That works out to about $30,000 in new debt for each American household. Worse, Rep. Paul Ryan (R-WI) asked the Congressional Budget Office to estimate the cost of permanently extending the twenty most popular provisions in the bill. The cost? $3.27 trillion. 

But we’ve seen Washington bet on big government and big bureaucracy over the American people before. In each case these bets have failed. And when this latest wager fails, America will need a plan.

I’m writing today to tell you about such a plan.

The Bush-Obama Spending Frenzy, Part IV

Like I said, we’ve seen this kind of high stakes, big spending, big government and big bureaucracy gambling before. This isn’t the Obama-Pelosi-Reid Spending Frenzy , this is the Bush-Obama Spending Frenzy, Part IV.

The first three parts of the Bush-Obama Spending Frenzy were on President Bush’s watch. 

The $180 billion stimulus program in the spring of 2008 failed.

The $345 billion housing bailout from the summer of 2008 failed. 

And the $700 billion Wall Street bailout from the fall of 2008 failed.

All told, just last year, Washington wagered $1.2 trillion in spending and lost. And like a problem gambler, Washington isn’t walking away from the casino, it’s doubling down.

What Would Reagan Have Done? Bet on the American People

My nonpartisan, citizen-based organization, American Solutions, has developed an alternative plan, called “12 American Solutions for Jobs and Prosperity.”

It takes its inspiration from Ronald Reagan. Our plan doesn’t bet on government. It bets on the American people.

Callista and I recently completed a movie about the life and vision of Ronald Reagan. And what we found was that Reagan’s approach to the economy was more thoughtful than most of his critics -- and even some of his admirers -- give him credit for.

President Reagan had great compassion for the victims of economic crisis. He spoke often of the Christmas Eve in the midst of the Great Depression when his father learned that he had lost his job. “To be young in my generation was to feel that your future had been mortgaged out from under you, and that's a tragic mistake we must never allow our leaders to make again,” he said.

But even as he understood the need for leadership to help Americans suffering from economic hard times, Reagan also understood that government’s role wasn’t to create economic prosperity -- it couldn’t then and it can’t now. 

“Government Can and Must Provide Opportunity, Not Smother It”

Government’s role, as Reagan understood it, was to give Americans real incentives to work hard, invest and create jobs -- incentives like keeping more of what we earn and the power to create and own our own businesses.

This is how Reagan put it in his first inaugural address:

“Government can and must provide opportunity, not smother it; foster productivity, not stifle it.”

In the spirit of Ronald Reagan, 12 American Solutions for Jobs and Prosperity puts its faith in the people, not the government. 

Our plan isn’t more money for more government, more power for politicians and more make-work for bureaucrats.

It’s a clear and decisive alternative that creates jobs, rewards work and encourages savings and investment.

12 American Solutions for Jobs and Prosperity

1. Payroll Tax Stimulus. With a temporary new tax credit to offset 50% of the payroll tax, every small business would have more money, and all Americans would take home more of what they earn.

2. Real Middle-Income Tax Relief. Reduce the marginal tax rate of 25% down to 15%, in effect establishing a flat-rate tax of 15% for close to 9 out of 10 American workers.

3. Reduce the Business Tax Rate. Match Ireland’s rate of 12.5% to keep more jobs in America.

4. Homeowner’s Assistance. Provide tax credit incentives to responsible home buyers so they can keep their homes.

5. Control Spending So We Can Move to a Balanced Budget. This begins with eliminating congressional earmarks and wasteful pork-barrel spending.

6. No State Aid Without Protection From Fraud. Require state governments to adopt anti-fraud and anti-theft policies before giving them more money. 

7. More American Energy Now. Explore for more American oil and gas and invest in affordable energy for the future, including clean coal, ethanol, nuclear power and renewable fuels.

8. Abolish Taxes on Capital Gains. Match China, Singapore and many other competitors. More investment in America means more jobs in America. 

9. Protect the Rights of American Workers. We must protect a worker’s right to decide by secret ballot whether to join a union, and the worker’s right to freely negotiate. Forced unionism will kill jobs in America at a time when we can’t afford to lose them.

10. Replace Sarbanes-Oxley. This failed law is crippling entrepreneurial startups. Replace it with affordable rules that help create jobs, not destroy them.

11. Abolish the Death Tax. Americans should work for their families, not for Washington.

12. Invest in Energy and Transportation Infrastructure. This includes a new, expanded electric power grid and a 21st Century air traffic control system that will reduce delays in air travel and save passengers, employees and airlines billions of dollars per year.

I’ve already heard from thousands of Americans who believe that this is the kind of change our economy needs right now. 

I’d love to hear from you. Please send me your thoughts about 12 Americans Solutions for Jobs and Prosperity using the suggestion box at www.americansolutions.com/jobs. 

It’s not too late to be a part of real change for America. When Washington’s latest big government gamble fails, we’ll be ready to put our money on a sure thing: Real solutions for the American people.

I believe -


 That credentials on the wall do not make you a decent human being.

Stimulus Verdict: A $3.27 Trillion Porker

Saturday, February 14, 2009 9:40 AM

By: David A. Patten

The gargantuan stimulus bill Congress has rubber-stamped with virtually no Republican support contains tens of billions of the very spending projects that made the legislation a lightning rod for criticism.

And although the bill is generally described as costing $787 billion, the Congressional Budget Office reports the actual figure is now closer to $3.27 trillion.

That stems from the $744 billion it will take to pay for the additional debt the legislation will create, and $2.527 trillion in increased spending from the new and expanded programs the bill will spawn over the next decade.

To view the letter to Nancy Pelosi, go here.

The bill now spans more than 1,000 pages. While Democrats removed some provisions that fiscal conservatives objected to, most of the pork remains. Among them:

The plan has more than $3 billion in “neighborhood stabilization” and Community Development Block Grant funding, much of which may go to benefit ACORN, a low-income housing and voter registration “community” organization that is under federal investigation for its suspicious voter registration practices.

• $1.3 billion to bailout AMTRAK, the perennial money-loser railroad.
  
• $1 billion for educational programs, including courses on sexually transmitted diseases.
  
• $30 million for restoration of wetlands to be spent in the San Francisco Bay Area – House Speaker Nancy Pelosi’s district. The money will go in part to protect the endangered salt marsh harvest mouse.
  
• $200 million for a low-pollution, coal-fired power plant in President Barack Obama’s home state of Illinois.
  
• $45 million for ATV four-wheeler trails, and government office renovations, according to RNC Chairman Michael Steele.
  
• $200 million to provide computers to community colleges.
  
• $50 million for the National Endowment of the Arts.
  
• Over $650 million in coupons to help consumers buy digital TV converter-box coupons.
  
• A reported $300 million for hybrid vehicles and electric-powered cars. According to the Washington Times, this item will include buying golf carts for federal workers.
  

GOP Sen. John McCain summed up his view of the bill: “This measure is not bipartisan. It contains much that is not stimulative.”

Some of the criticisms of the bill, however, center on policy rather than cost.

The Heritage Foundation, for example, reports the bill reverses the bipartisan welfare reforms achieved during the Clinton administration.

Also, opponents have slammed the bill for being “anti-religious,” because it expressly prohibits the use of stimulus funds for faith-based schools, schools of divinity, facilities used for “sectarian worship,” or places of religious worship.

© 2009 Newsmax. All rights reserved.

~~~~~~~~~~~~~~~~~~~~~

I'm sure that one could argue that the pork in the "stimulus" bill will create jobs. According to Senator Lindsey Graham, some of these jobs (about 20%) won't be created for 18 months. I guess 80% is better than none, but I'm note sure that anyone, including Senator Graham, has a clue what this bill really contains, or what it will do. It was a rush job and because of that, probably half-assed.

Since the President was in such an all-fired hurry to get this passed, I sure hope that it will do the trick and get the economy moving. But if it was such an emergency, why did it take four days to get signed after passage? Doesn't sound to me like it was all that important. 

I won't hold my breath. I'm an optimist and tend to believe in anyone and anything until it's proven otherwise and I'll wait and see what happens with this, hoping, believing that this will work.

But I'm not stupid either. It was this type of action that took us into the Great Depression of the 30's. I will hope this isn't a case of history repeating itself. That won't bode well for the future of Democrats or, I will dare say it, Blacks aspiring to the Presidency.

Yes, I said it. This is how I get there: Obama, the first Black President, is a trailblazer. If he falls on his face, I fear that it will be a long time before another Black, no matter how well qualified, will be elected. I sincerely wish him the best, hope that history will not be repeated, and I honestly hope that he has the right people advising him and that he makes the right decisions.

Only time will tell.

President's Day

Today we celebrate the services of the American Presidents. Two of our greatest presidents, Abraham Lincoln and George Washington, were born in February (Lincoln February 12, 1809 and George Washington February 22, 1732).

I'm old enough to remember that once upon a time, we celebrated these days as separate events. Then, at some point it was decided to combine the two days into one and make it a Federal Holiday on the third Monday in February. If I had to guess, I would think that most people don't even consider what the day is all about. They are just happy to have the day off. 

Today we celebrate Presidents Day. We usually think of Lincoln and Washington on Presidents Day, but it's really a day to remember the 44 men who have been elected to the highest office an American can aspire to. Some of our presidents are very well known, such as Washington and Lincoln. Others are less well known. Who really remembers Chester Alan Arthur or Franklin Pierce? What do Andrew Johnson and Bill Clinton have in common? How many were related to one another? How many were actually born in a log cabin? How many began life dirt poor and how many came from privileged backgrounds? Do you know which president's wife was accused of bigamy? We tend to know the most about the more current presidents, and the more famous and less about past presidents who didn't do much while in office or didn't suffer from scandal-ridden terms.

There are many sites on the Internet where you can find more information on all the presidents. This is just one, and includes all 44 men who served as president from Washington to Obama.

An interesting fact: some people claim that Washington was not the first president, but the second. Do you know the name of the name who some consider the first president?

Billions and Billions and Billions... Oh My!

Posted By Bobby Eberle On February 16, 2009 at 7:25 am

The massive government interference and spending bill known as the stimulus package has passed Congress and awaits President Obama's signature. Throughout the legislative process, it was disheartening to see just how much was spent on earmarks. Remember when the Democrats took control of the House, and Nancy Pelosi vowed to reform earmarks?

Now, during this debate, the arrogance of the left-wing Washington elite was taken to a new level. Sen. Chuck Schumer (D-NY) actually spoke before Congress and said that the American people don't care about wasteful earmarks. President Obama stood before the American people at his primetime press conference and said the bill has NO pork at all. Come on! Let's take a look at how wrong he really is...

First, we have Chuck Schumer... During a speech on the Senate floor, Schumer said, "And let me say this -- to all of the chattering class that so much focuses on those little, tiny, yes porky amendments -- the American people really don't care."

Are you kidding me? Of course we care. The problem is that Obama's rhetoric of hope and change was replaced by gloom and doom. They were told that if the stimulus bill did not pass, the world would end. It was a great pitch line and the perfect opportunity to play off the fears of Americans and load the bill with massive wasteful spending.

Next, we have the man himself... President Obama. During his primetime press conference, he said:

It also contains an unprecedented level of transparency and accountability so that every American will be able to go online and see where and how we're spending every dime. What it does not contain, however, is a single pet project, not a single earmark, and it has been stripped of the projects members of both parties found most objectionable.

Give me a break. Not one single earmark? If he says so, it must be true, right?

Thankfully, there are several organizations that are doing a great job in revealing what the stimulus bill is all about. The National Taxpayers Union has posted an extensive list on the billions of dollars wasted on non-stimulative spending.

How about half a billion dollars for "forest health and wildfire prevention"... or another half a billion dollars for "NIH facilities in Bethesda, MD"... or another half a billion dollars for "SSA National Computer Center in MD." The list goes on and on and on.

As noted on its web site, StimulusWatch.org "was built to help the new administration keep its pledge and to hold public officials to account." The organization does this by "allowing you, citizens around the country with local knowledge about the proposed projects in your city, to find, discuss and rate those projects."

In the many pages of the web site, visitors can find projects in their states and track how the money is being spent.

Billions and billions and billions of dollars to do something the American economy can do on its own. The last time we had this much government interference and misguided spending to "fix" the American economy, it took a world war to get us out of it.

~~~~~~~~

Wasn't this an emergency of such catastrophic proportions that it had to be dealt with immediately, if not sooner? So....why is it taking four days from passage to signing? Seems to me that if it was an emergency of the magnitude it's been made out to be, wouldn't Obama have been standing nearby, pen in hand, to sign this poor excuse for a stimulus bill as soon as it was passed?

In my personal opinion, it had to be passed immediately to take our minds off the questions of what happened, who's responsible, and what did they get out of it. If you noticed, not much has been said recently about the causes of this breakdown, just what must be done to fix it. Maybe our Congresscritters don't want us to think about the whys and wherefores because we might think about that during the next election cycle. The Dems will be running on the platform that they had to fix the mess the Reps left. Let's not mince words. There's plenty of blame to go around. Everyone in Congress has some responsibility for this mess, but there is not one person willing to step up and say, "I knew what was going on and I should have done more." Oh, you'll find some who will say that they were doing just that but no one would listen. Maybe so. I still say everyone had a hand in it, some up to the shoulder.

I won't even go into whether or not it's pork laden. Unfortunately, the definition of pork is subjective. What you and I might believe is pork might be something my other reader believes is the very thing necessary to get the economy up and running again.

Now if you want something that will really stimulate the economy, with an immediate start just go here..

An Open Letter to the President, the Congress, and the American people Concerning Reform of the Federal Tax Code

Dear Mr. President, Members of Congress, and Fellow Americans,

We, the undersigned business and university economists, welcome and applaud the ongoing initiative to reform the federal tax code. We urge the President and the Congress to work together in good faith to pass and sign into federal law H.R. 25 and S. 25, which together call for:

• Eliminating all federal income taxes for individuals and corporations,
• Eliminating all federal payroll withholding taxes,
• Abolishing estate and capital gains taxes, and
• Repealing the 16th Amendment

We are not calling for elimination of federal taxation, which would be irresponsible and undesirable. Nor does our endorsement call for reduced federal spending. The tax reform plan we endorse is revenue neutral, collecting as much federal tax revenue as the current income tax code, including payroll withholding taxes.

We are calling for elimination of federal income taxes and federal payroll withholding taxes.

We endorse replacing these costly, oppressively complex, and economically inefficient taxes with a progressive national retail sales tax, such as the tax plan offered by H.R. 25 and S. 25 – which is also known as the FairTax Plan. The FairTax Plan has been introduced in the 109th Congress and had 54 co-sponsors in the 108th Congress.

If passed and signed into law, the FairTax Plan would:

• Enable workers and retirees to receive 100% of their paychecks and pension benefits,
• Replace all federal income and payroll taxes with a simple, progressive, visible,
efficiently collected national retail sales tax, which would be levied on the final sale of newly produced goods and services,
• Rebate to all households each month the federal sales tax they pay on basic necessities, up to an independently determined level of spending (a.k.a., the poverty level, as determined by the Department of Health and Human Services), which removes the burden of federal taxation on the poor and makes the FairTax Plan as progressive as the current tax code,
• Collect the national sales tax at the retail cash register, just as 45 states already do,
• Set a federal sales tax rate that is revenue neutral, thereby raising the same amount of tax revenue as now raised by federal income taxes plus payroll withholding taxes,
• Continue Social Security and Medicare benefits as provided by law; only the means of tax collection changes,
• Eliminate all filing of individual federal tax returns,
• Eliminate the IRS and all audits of individual taxpayers; only audits of retailers would be needed, greatly reducing the cost of enforcing the federal tax code,
• Allow states the option of collecting the national retail sales tax, in return for a fee, along with their state and local sales taxes,
• Collect federal sales tax from every retail consumer in the country, whether citizen or undocumented alien, which will enlarge the federal tax base,
• Collect federal sales tax on all consumption spending on new final goods and services, whether the dollars used to finance the spending are generated legally, illegally, or in the huge “underground economy,”
• Dramatically reduce federal tax compliance costs paid by businesses, which are now
embedded and hidden in retail prices, placing U.S. businesses at a disadvantage in world markets,
• Bring greater accountability and visibility to federal tax collection,
• Attract foreign equity investment to the United States, as well as encourage U.S. firms to locate new capital projects in the United States that might otherwise go abroad, and
• Not tax spending for education, since H.R. 25 and S. 25 define expenditure on education to be investment, not consumption, which will make education about half as expensive for American families as it is now.

The current U.S. income tax code is widely regarded by just about everyone as unfair,complex, wasteful, confusing, and costly. Businesses and other organizations spend more than six billion hours each year complying with the federal tax code. Estimated compliance costs conservatively top $225 billion annually – costs that are ultimately embedded in retail prices paid by consumers.

The Internal Revenue Code cannot simply be “fixed,” which is amply demonstrated by more than 35 years of attempted tax code reform, each round resulting in yet more complexity and unrelenting, page-after-page, mind-numbing verbiage (now exceeding 54,000 pages containing more than 2.8 million words).

Our nation’s current income tax alters business decisions in ways that limit growth in productivity. The federal income tax also alters saving and investment decisions of households, which dramatically reduces the economy’s potential for growth and job creation. Payroll withholding taxes are regressive, hitting hardest those least able to pay. Simply stated, the complexity and frequently changing rules of the federal income tax code make our country less competitive in the global economy and rob the nation of its full potential for growth and job creation.

In summary, the economic benefits of the FairTax Plan are compelling. The FairTax Plan eliminates the tax bias against work, saving, and investment, which would lead to higher rates of economic growth, faster growth in productivity, more jobs, lower interest rates, and a higher standard of living for the American people.

The America proposed by the FairTax Plan would feature:

• no federal income taxes,
• no payroll taxes,
• no self-employment taxes,
• no capital gains taxes,
• no gift or estate taxes,
• no alternative minimum taxes,
• no corporate taxes,
• no payroll withholding,
• no taxes on Social Security benefits or pension benefits,
• no personal tax forms,
• no personal or business income tax record keeping, and
• no personal income tax filing whatsoever.

No Internal Revenue Service; no April 15th; all gone, forever.

We believe that many Americans will favor the FairTax Plan proposed by H.R. 25 and S. 25, although some may say, “it simply can’t be done.” Many said the same thing to the grassroots progressives who won women the right to vote, to those who made collective bargaining a reality for union members, and to the Freedom Riders who made civil rights a reality in America.

We urge Congress not to abandon the FairTax Plan simply because it will be difficult to face the objections of entrenched special interest groups – groups who now benefit from the complexity and tax preferences of the status quo. The comparative advantage and benefits offered by the FairTax Plan to the vast majority of Americans is simply too high a cost to pay.

Therefore, we the undersigned professional and university economists, endorse a progressive national retail sales tax plan, as provided by the FairTax Plan.

We urge Congress to make H.R. 25 and S. 25 federal law, and then to work swiftly to repeal the 16th Amendment.

Respectfully,

Donald L. Alexander
Professor of Economics
Western Michigan University

Wayne Angell
Angell Economics

Jim Araji
Professor of Agricultural Economics
University of Idaho

Ray Ball
Graduate School of Business
University of Chicago

Roger J. Beck
Professor Emeritus
Southern Illinois University, Carbondale

John J. Bethune
Kennedy Chair of Free Enterprise
Barton College

David M. Brasington
Louisiana State University

Jack A. Chambless
Professor of Economics
Valencia College

Christopher K. Coombs
Louisiana State University

William J. Corcoran, Ph.D.
University of Nebraska at Omaha

Eleanor D. Craig
Economics Department
University of Delaware

Susan Dadres, Ph.D.
Department of Economics
Southern Methodist University

Henry Demmert
Santa Clara University

Arthur De Vany
Professor Emeritus
Economics and Mathematical Behavioral Sciences
University of California, Irvine

Pradeep Dubey
Leading Professor Center for Game Theory
Dept. of Economics
SUNY at Stony Brook

Demissew Diro Ejara
William Paterson University of New Jersey

Patricia J. Euzent
Department of Economics
University of Central Florida

John A. Flanders
Professor of Business and Economics
Central Methodist University

Richard H. Fosberg, Ph.D.
William Paterson University

Gary L. French, Ph.D.
Senior Vice President
Nathan Associates Inc.

Professor James Frew
Economics Department
Willamette University

K. K. Fung
University of Memphis

Satya J. Gabriel, Ph.D.
Professor of Economics and Finance
Mount Holyoke College

Dave Garthoff
Summit College
The University of Akron

Ronald D. Gilbert
Associate Professor of Economics
Texas Tech University

Philip E. Graves
Department of Economics
University of Colorado

Bettina Bien Greaves, Retired
Foundation for Economic Education

John Greenhut, Ph.D.
Associate Professor Finance & Business Economics
School of Global Management and Leadership
Arizona State University

Darrin V. Gulla
Dept. of Economics
University of Georgia

Jon Halvorson
Assistant Professor of Economics
Indiana University of Pennsylvania

Reza G. Hamzaee, Ph.D.
Professor of Economics & Applied Decision Sciences
Department of Economics
Missouri Western State College

James M. Hvidding
Professor of Economics
Kutztown University

F. Jerry Ingram, Ph.D.
Professor of Economics and Finance
The University of Louisiana-Monroe

Drew Johnson Fellow
Davenport Institute for Public Policy
Pepperdine University

Steven J. Jordan
Visiting Assistant Professor
Virginia Tech
Department of Economics

Richard E. Just
University of Maryland

Dr. Michael S. Kaylen
Associate Professor
University of Missouri

David L. Kendall
Professor of Economics and Finance
University of Virginia's College at Wise

Peter M. Kerr
Professor of Economics
Southeast Missouri State University

Miles Spencer Kimball
Professor of Economics
University of Michigan

James V. Koch
Department of Economics
Old Dominion University

Laurence J. Kotlikoff
Professor of Economics
Boston University

Edward J. López
Assistant Professor
University of North Texas

Franklin Lopez
Tulane University

Salvador Lopez
University of West Georgia

Yuri N. Maltsev, Ph.D.
Professor of Economics
Carthage College

Glenn MacDonald
John M. Olin Distinguished Professor of Economics and Strategy
Washington University in St. Louis

Dr. John Merrifield,
Professor of Economics
University of Texas-San Antonio

Dr. Matt Metzgar
Mount Union College

Carlisle Moody
Department of Economics
College of William and Mary

Andrew P. Morriss
Galen J. Roush Professor of Business Law & Regulation
Case Western Reserve University School of Law

Timothy Perri
Department of Economics
Appalachian State University

Mark J. Perry
School of Management and Department of Economics
University of Michigan-Flint

Timothy Peterson
Assistant Professor
Economics and Management Department
Gustavus Adolphus College

Ben Pierce
Central Missouri State University

Michael K. Pippenger, Ph.D.
Associate Professor of Economics
University of Alaska

Robert Piron
Professor of Economics
Oberlin College

Mattias Polborn
Department of Economics
University of Illinois

Joseph S. Pomykala, Ph.D.
Department of Economics
Towson University

Barry Popkin
University of North Carolina- Chapel Hill

Steven W. Rick
Lecturer,
University of Wisconsin Senior Economist,
Credit Union National Association

Paul H. Rubin
Samuel Candler Dobbs Professor of Economics & Law
Department of Economics
Emory University

John Ruggiero
University of Dayton

Michael K. Salemi
Bowman and Gordon Gray Professor of Economics
University of North Carolina at Chapel Hill

Dr. Carole E. Scott
Richards College of Business
State University of West Georgia

Carlos Seiglie
Dept. of Economics
Rutgers University

John Semmens
Economist
Phoenix College Arizona

Alan C. Shapiro
Ivadelle and Theodore Johnson Professor of Banking and Finance
Marshall School of Business
University of Southern California

Dr. Stephen Shmanske
Professor of Economics
California State University, Hayward

James F. Smith
University of North Carolina-Chapel Hill

Vernon L. Smith
Economist

W. James Smith
Dean of Liberal Arts and Sciences and Professor of Economics
University of Colorado at Denver

John C. Soper
Boler School of Business
John Carroll University

Roger Spencer
Professor of Economics
Trinity University

Daniel A. Sumner, Director,
University of California
Agricultural Issues Center and the Frank H. Buck, Jr., Chair Professor,
Department of Agricultural and Resource Economics,
University of California,

Davis Curtis R. Taylor
Professor of Economics and Business
Duke University

Robert Vigil
Analysis Group, Inc.

John H. Wicks, Ph.D.
Professor Emeritus
Department of Economics
University of Montana

F. Scott Wilson, Ph.D.
Canisius College

Mokhlis Y. Zaki
Professor of Economics Emeritus
Northern Michigan University