# PRFC:

Periodic Rate Finance Charge Formula

TERMS
APR: Annual Percentage Rate
DBC: Days in Billing Cycle
PRFC: Periodic Rate Finance Charge

Formula:

If your APR is 7.65%*, you have a 29-day billing cycle, and an average daily balance of \$6,000, the formula would be as follows:

*7.65% = 7.65/100 = .0765 Continue reading PRFC:

# Motorcycle Safety Guide

Motorcycle Operation Quiz on Quizlet

The following is based on the Twelfth Revision of the Motorcycle Safety Guide, May 2004.

1. A plastic shatter-resistant face shield:
A. Is not necessary if you have a windshield. [x] B. Only protects your eyes. [x] C. Helps protect your whole face. [x] D. Does not protect your face as we as goggles. [x]

2. More than half of all crashes:
A. Occur at speeds greater than 35 mph. [x] B. Happen at night. [x] C. Are caused by worn tires. [x] D. Involve riders who have ridden their motorcycles less than six months. [x] Continue reading Motorcycle Safety Guide

# Black Coffee

Narration writers: Irene Angelico and Harold Crooks

Intro to the Intro:

“\$2 for a cup of coffee. \$.01 goes to the grower.”

# Voting

Legislative District 21

PARTISAN BALLOT

US Rep in Congress, District 6:
Rebecca Schneider (DEM)
Jeff Flake (REP)
Rick Biondi (LBT)

* * *

State Senator, District 18:

Judah Nativio (DEM)

* * *

State Rep, District 18:
Tammie Pursley (DEM)
Steve Court (REP)
Cecil Ash (REP)
· In favor of photo radar for traffic enforcement but not as revenue generator

Joe Brown (IND)

Corporation Commissioner:
Newman, George, Kennedy (DEM)
Wong, McClure, Stump (REP)

County Board of Supervisors, District 2:
Joel Sinclair (DEM)
Don Stapley (REP)

County Assessor:
Keith Russell (REP)
Rachel Kielsky (LBT)

County Attorney:
Tim Nelson (DEM)
Andrew P. Thomas (REP)
Michael Kielsky (LBT)

Country Recorder:
Helen Purcell (REP)
Ernest Hancock (LBT)

County School Superintendent:
Don Covey (REP)
David Hodges (LBT)

Sheriff:
Dan Saban (DEM)
Joe Arpaio (REP)
Chris Will (LBT)

County Treasurer:
Charles “Hos” Hoskins (REP)

NONPARTISAN BALLOT
Maricopa County Special Health Care, District 2 (no more than 1):
Harlan T. Stratton
Rob Carey
Greg Patterson

Mesa Unif No. 4, School Governing Board Member (no more than 3):
Steven J. Peterson
Ben Whiting
Kate J. Ali’Varius
Lance Entrekin
Michael S. Nichols

Prop 400: Proposed amendment to the Mesa city charter by the city council relation to the implementation of an individual residential rental inspection (“Slum Landlord”) program as authorized by state law, upon consent of the owner, tenant, or court.

Question 1, Public Safety Bonds
A vote “For the Bonds” shall authorize the City of Mesa to issue and sell \$58,300,000 of general obligation bonds for Public Safety purposes.

Question 2, Street Bonds
A vote “For the Bonds” shall authorize the City of Mesa to issue and sell \$110,900,000 of general obligation bonds for Street, Highway and Traffic Control improvement purposes.

Justice of the Supreme Court
Shall the following Justices of the Supreme Court of Arizona be retained in office?
Scott Bales

Judges of the Court of Appeals, Division 1
Shall the following Judges of the Court of Appeals, Division 1, of Arizona be retained in office?
Diane Johnsen
Patricia Orozco
Ann Scott Timmer

Judges of the Superior Court
Shall the following Judges of the Superior Court be reainted in office?
Name and Division
Helene F. Abrams, 67
Linda A. Akers, 17
Louis A. Araneta, 9
Silvia R. Arellano, 4
Anna Maria Baca, 10
Eddward P. Ballinger, Jr., 19
Craig A. Blakey, 53
John A. Buttrick, 45
Bruce R. Cohen, 68
Connie C. Contes, 52
Glenn M. Davis, 76
John Richard Ditsworth, 44
Thomas Dunevant III, 2
Lisa Daniel Flores, 77
Jeanne Marie Garcia, 65
Jo Lynn Gentry-Lewis, 69
Michael D. Gordon, 72
John R. Hannah, Jr., 74
Carie A. Harrison, 46
Ruth H. Hilliard, 1
Kristin C. Hoffman, 70
Paul A. Katz, 3
Michael William Kemp, 66
Andrew G. Klein, 48
Margaret R. Mahoney, 55
Crane McClennen, 18
Paul J. McMurdie, 73
Colleen McNally, 42
Michael R. McVey, 8
Linda H. Miles, 54
Robert E. Miles, 75
Robert H. Oberbillig, 20
Karen A. Potts, 79
Timothy J. Ryan, 71
Teresa A. Sanders, 49
Roland J. Steinle, III, 43
Sherry K. Stephens, 47
Richard J. Trujillo, 50
David K. Udall, 51
Christopher T. Whitten, 80

PROPOSITION 100
PROPOSED AMENDMENT TO THE CONSTITUTION BY THE INITIATIVE RELATING TO REAL PROPERTY
A “yes” vote shall have the effect of prohibiting any new tax, fee, or other assessment on the sale, purchase or other conveyance of real estate after Dec. 31 2007.

Voted “No.” I find it extreme to amend the constitution for this purpose. I also find it suspicious that so many of the opinions in favor of the amendment were paid for apparently by those responsible for getting the proposed amendment added to the ballot. (Though, I really don’t know for sure how this proposed amendment was added to the ballot.) I find the argument against the ballot, that a potential source of revenue for the state would be lost, to be convincing.

Further, there is no indication that anyone has any intention of imposing this tax, in the near or distant future.

PROPOSITION 101
PROPOSED AMENDMENT TO THE CONSTITUTION BY THE INITIATIVE RELATING TO HEALTH CARE
A “yes” vote shall have the effect of prohibiting laws that restrict a person’s choice of private health care systems or private plans, interfere with a person or an entity’s right to pay for lawful medical services, and impose a penalty or fine for choosing to obtain or decline health care coverage or for participation in any health care system or plan.

Voted “no.” As with 100, I can find no information on who has worked to get this proposed amendment on the ballot. The arguments for and against seem equally convincing to me, though.
As I see it now, though, there is no indication that anyone is trying to take away my right to seek medical coverage however I see fit. Therefore, an amendment is unnecessary.

PROPOSITION 102
PROPOSED AMENDMENT TO THE CONSTITUTION BY THE LEGISLATURE RELATING TO MARRIAGE
A “yes” vote shall have the effect of amending the Arizona Constitution to define marriage as a union between one man and one woman, while maintaining the current statutory law of the State of Arizona, which prohibits marriage between persons of the same sex.

A “no” vote shall have the effect of maintaining the current statutory law of the State of Arizona, which prohibits marriage between persons of the same sex, but would not amend the Arizona Constitution to define marriage as a union between one man and one woman.

Voted, “no.” This proposal is exclusionary and the existing law is exclusionary. Anyone unreasonable enough to get married should be able to have that marriage legally recognized as valid.

PROPOSITION 105
PROPOSED AMENDMENT TO THE CONSTITUTION BY THE INITIATIVE RELATING TO THE INITIATIVE
A “yes” vote shall have the effect of requiring that a majority of registered voters approve any initiative measure establishing, imposing or raising a tax, fee, or other revenue, or mandating a spending obligation, whether on a private person, labor organization, other private legal entity, or the state, in order to become law.

A “no” vote shall have the effect of retaining the current law under which an initiative measure is enacted upon approval of a majority of registered voters that vote on the measure.

Voted “no.” This seems to be the most extreme anti-tax proposal. I would prefer to maintain the right to not vote on certain proposals in the future.

* * *

PROPOSITION 200
PROPOSED BY INITIATIVE PETITION RELATING TO PAYDAY LOANS
A “yes” vote shall have the effect of repealing the July 1, 2010 termination date for the existing “payday loan” licensing program thus allowing it to continue indefinitely, allowing payday loan licensees to provide electronic debit agreement services, prohibiting services over 35 days, requiring payday loan agreements be in English or Spanish, prohibiting certain fees, permitting only one payday loan transaction with a customer each business day, requiring a payment plan if requested by the customer, prohibiting arrangements with customers having outstanding repayment plans, allowing licensees to make other loans and requiring licensee applicants to maintain a minimum net worth of at least \$50.000 per location up to a maximum of \$1,000,000.

A “no” vote shall have the effect of retaining the current law regarding payday loans, which are to terminate on July 1, 2010.

Voted “no.” I was convinced by the opposition arguments that this proposal would only lower ceiling interest rates from %400 to %391. I am not in favor of any aspect of the payday loan industry anyway. If a measure were attached that made it mandatory for those trying to acquire a payday loan to pass some basic math problems, I might be more in favor of otherwise letting the free market rule over payday loans.

* * *

PROPOSITION 201
PROPOSED BY INITIATIVE PETITION RELATING TO HOMEOWNERS
A “yes” vote shall have the effect of granting “prospective buyers” a right to sue over a dwelling action, permitting lawsuits despite alternative dispute resolution provisions in sales contracts, shortening buyer purchaser notice and seller response period before and after filing defects lawsuit, requiring seller to inspect dwelling after receiving notice, requiring any seller offer to include repair or replace option that must be performed by a licensed contractor, eliminating seller right to receive attorney fees and costs if the seller prevails, mandating seller to provide ten year warranty of materials and workmanship, requiring newly constructed dwelling contract to include disclosure of sellers financial relationship with a financial institution, disallowing seller from requiring a buyer deposit unless contract allows 100 day cancellation period, extending from eight to ten years the time to file suit against any person making improvements to real property, and expanding remedies available to an owner who is successful in a dwelling action against the seller.

A “no” vote shall have the effect of retaining the current law regarding purchaser dwelling actions.

Voted “yes.” I was swayed by Terry Landa’s story of wrongs she suffered at the hands of Engle Homes.

* * *

PROPOSITION 202
PROPOSED BY INITIATIVE PETITION RELATING TO EMPLOYMENT
A “yes” vote shall have the effect of modifying the laws covering employers who knowingly or intentionally employ “unauthorized aliens,” suspending or revoking licenses of businesses that employ unauthorized aliens, adding penalties on employers who fail to properly report cash wages, increasing penalties for identity theft related to employment, and establishing a presumption favoring an employer that verifies employee eligibility under federal law.

A “no” vote shall have the effect of retaining Arizona’s current employment laws that suspend or revoke business licenses for employers who knowingly or intentionally employ an unauthorized alien.

Voted “no.” I don’t like the arguments for or against this proposition. I don’t like the organizations (Wake Up Arizona fast food franchise owners) that are apparently behind the proposition. I think I am voting with the Republicans and bigots by voting “no,” and that is somewhat troubling to me.

* * *

PROPOSITION 300
RECOMMENDATION OF THE COMMISSION ON SALARIES FOR ELECTIVE STATE OFFICERS AS TO LEGISLATIVE SALARIES HAS BEEN CERTIFIED TO THE SECRETARY OF STATE AND IS HEREBY SUBMITTED TO THE QUALIFIED ELECTORS FOR THEIR APPROVAL OR REJECTION.
A “yes” vote shall have the effect of raising State Legislators’ salaries to \$30,000 per year.

A “no” vote shall have the effect of keeping State Legislators’ salaries at \$24,000 per year.

Voted “yes” and hoped that my vote is justified. I read opposition where people say that the position is part-time and requires only 100 days/year of work. I read support that says that the amendment could mean more jobs.

Arizona Congressional Districts PDF Map

# Food and Prices

Wednesday, December 17th, 2008

Wal-Mart

• 28 OZ Great Value (Wal-Mart Brand) Peanut Butter: \$2.08
• Serv. Size: 32g
• Calories: 200
• Fat Cal.: 150
• Total Fat: 16g
• Sat. Fat: 3.5g
• Trans Fat: 0g
• Polyunsat. Fat: 3.5g
• Monunsat. Fat: 9g
• Cholest.: 0mg
• Sodium: 140mg
• Potassium: 190mg
• Total Carb.: 6g
• Fiber: 2g
• Sugars: 3g
• Protein: 8g
• Vitamin A: 0%
• Iron: 4%
• Vitamin C: 0%
• Folic Acid: 6%
• Calcium: 0%
• Ingredients: roasted peanuts, sugar, contains less than 2% of molasses, hydrogenated vegetable oils (rapeseed, cottonseed, soybean), salt.
• Best by 10/28/2009 (10 months, 11 days from purchase date)
• Marketed by Wal-Mart Stores, Inc. Bentonville, AR 72716

# Fool me once…

“You’ve got to understand there are some in this world that simply do not adhere to the ideals we believe in. In Iraq, they don’t put their hand over their heart and say, “Liberty and justice for all.” They don’t believe in liberty. The dictator who runs Iraq doesn’t believe in justice. He only believes in liberty and justice for those who he decides get liberty and justice.

There’s a lot of talk about Iraq on our TV screens, and there should be, because we’re trying to figure out how best to make the world a peaceful place. There’s an old saying in Tennessee — I know it’s in Texas, probably in Tennessee — that says, fool me once, shame on — shame on you. Fool me — you can’t get fooled again. You’ve got to understand the nature of the regime we’re dealing with. This is a man who has delayed, denied, deceived the world. For the sake of liberty and justice for all, the United Nations Security Council must act, must act in way to hold this regime to account, must not be fooled, must be relevant to keep the peace.”

[source]

# Sony Walkman NWZ-S615F

After hours of searching, I finally figured out that the free version of Any Video Converter will convert video files I have into ones I can view on my Walkman device.

I have used the mpeg4 option at a resolution of 320×240. I chose a bit rate of 112 and a frame rate of 15.

Using that method, I get a pretty good picture. A roughly 700 MB .avi file became a roughly 64 MB .mp4 file. Puzzlingly, a roughly 400 MB .avi file became a roughly 120 MB .mp4.

I’m afraid I don’t care enough to figure out what caused these differences. To my knowledge, I encoded these files using the same method.

Anyway, I hope someone finds some of this useful!

# Music Review Quotations

Martina Kominiarek on the Counting Crows’ August and Everything After: “…I’d begun to sense my life was all wrong. Instead of trampling down everything that had thus far held all my meaning, I waited it out, riding the waves of Adam Duritz’s enormous accumulation of personal funk. (Though I thought I was riding his haunting lyrics, vocal passion, and perfectly timed crescendos.)

“In ‘Mercury,’ Adam says his crazy girlfriend drives him nuts, and the drumbeats relate how she sucks him into a funhouse that feels like an underwater vacuum.

Drumbeats from “Mercury”: Mercury

# Questions

Are “Lite” food items bad for you?

# Autocorrect Dictionary for OpenOffice.org

Found in the following path:

• Windows XP: `C:\Documents and Settings\[user_name]\Application Data\OpenOffice.org\3\user\autocorr`
• Windows 7: `C:\Users\[user_name]\AppData\Roaming\OpenOffice.org\3\user\autocorr`