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What makes MIT economist James Poterba's research so valuable is that his work focuses as much on public policy as on the private-sector financial behavior that is the more typical field of observation of retirement researchers.
So it is unsurprising that a jury of his distinguished peers has honored Poterba, who is also president of the National Bureau of Economic Research (NBER), with the Retirement Income Industry Association's (RIIA) award for applied retirement research.
That award, sponsored by AdvisorOne and Research Magazine, will be presented at a ceremony in Boston at RIIA's annual conference in October. But following the announcement of the award last week, Poterba has shared some of his award-winning perspective with AdvisorOne readers.
The practical, advisor-useful research for which Poterba has been recognized is fully displayed in the most recent study the MIT economist has conducted, together with Steven Venti of Dartmouth and David Wise of Harvard.
In a landmark study NBER published in February, Poterba and his fellow researchers showed that nearly half of all Americans die with financial assets of less than $10,000. The study further found that many of the families observed had no housing or private pension assets either, thus relying exclusively on Social Security.
The researchers eschewed the retirement readiness index and other measures that merely try to figure out where people stand at the beginning of retirement.
"That's like asking: 'Am I leaving enough time to get to the airport?'" Poterba says. Maybe not on a day when authorities have closed off a key road, he answers.
So Poterba and his colleagues examined the issue from the opposite perspective. Instead of looking at the beginning of retirement, Poterba says "you can look at a different time clock: the date of death and looking back from there"—using a regularly updated data set based on two decades of biannual surveys of the asset and health dynamics of elderly Americans.
Looked at this way, Poterba says one can see that many "households reached retirement with a reasonably substantial level of financial assets, but by the time we see them at the end of life, their assets have dropped." And of course there are households that both begin and end retirement with a low level of assets. But the data show that there are many financial shocks that can emerge at the end of life—the cost of modifying a home, the cost of moving to be near caregivers, out-of-pocket medical costs, to name just a few. And these shocks produce a great deal of heterogeneity in financial experiences in retirement, variation that is difficult to capture in summary measures such as a retirement readiness index.
The study thus replaces a static image of investing whereby a household saves for retirement, and then dis-saves on a precise income distribution schedule, with a more dynamic understanding of retirement realities.
What does tend to get drawn down in a regular and predictable way are Social Security and defined-benefit pension assets, which leads to questions regarding the value of annuities.
While many a retirement researcher has struggled with the so-called annuity puzzle—the question as to why more people for whom annuities would seem to be sensible investments don't purchase them—Poterba, who has conducted voluminous research on the topic over several decades, is notably unpuzzled.
"There are two elements to an annuity decision," he said. "One is asking what it would cost to purchase an annuity. The other is thinking about the benefit calculations associated with annuities."
Poterba says many households simply lack the financial wherewithal to purchase annuities; their financial assets may not be sufficient to meet minimum purchase requirements, for example. At the other end of the spectrum, he says, there are households with asset levels where they are not likely to draw down assets in their lifetimes.
"There's a middle group where Social Security won't protect all their living standard going forward, and they may have sufficient financial assets to make the cost-benefit analysis," Poterba continues. But for this middle group, whether to purchase the annuity depends on that cost-benefit analysis of "household specific circumstances" and the market price of annuities. "There is a large degree of heterogeneity" among middle-market households, he says.
One more of the innumerable key issues upon which Poterba's research has cast light is the feared "asset market meltdown" about which some demographic analyses have warned. In an important paper published in 2001, Poterba—prompted by widespread fears at the time that the aging of the baby boomers was a demographic time bomb for stocks—investigated the relationship between the age structure of the population and stock market returns.
Poterba projected that demand for equities in the years 2020 to 2050 would not decline sharply, arguing that age-wealth profiles would decelerate only gradually—in contrast to the robust surge in asset values on the way up, as the age and wealth of the baby boomers swelled in the 1980s and '90s.
Market developments since the publication of his research has not altered in any way Poterba's conclusions.
"I think it is very important not to take a narrow national perspective on this. We live in a global capital market. If there's an aging population in Japan, they may be able to invest in assets supplied in other countries," Poterba says.
He adds that income growth in places like China, India and Brazil will supply the buyers for assets of aging populations in the U.S. "As their populations grow, their demand for U.S. financial assets will presumably rise," he says.
While this is true for assets like stocks that can be easily traded across borders, Poterba warns the case may be different for "fixed assets that are difficult to trade to foreign investors—owner-occupied housing, for example."
On balance, Poterba expects only "relatively modest" headwinds facing stock markets in the developed world as a result of demographic shifts.


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Sound Off for March 28, 2013
Tweetington, as it's been called all over the country, has a serious problem and it's apparent on this forum too. Who's to blame here? Who cares. Who do we want to blame? People who went to college to be teachers, administrators, and superintendents. Who are we jealous of? The former head football coach, the athletic director, and the student athletes.
Apparently Joe Biden must love his job and all the very expensive related perks. Investigative reporters have uncovered a limousine bill for Biden's recent one day stop in Paris that totaled $ 321,665. The notice of the Federal contract award for the limousine service was posted on the same government website as the hotel contracts. Little wonder that Biden will never leave the political high life that is filled with outrageously expensive perks.
Yawn. UCONN women's team only beat Maryland by 34 to make 'sweet 16." Perhaps the lady Huskies will become interesting when they play Notre Dame?
In stark contrast to the last THS photo op of the village idiots supporting "Edgar" and the daily keystone cops report from the Torrington BOE and superintendent, it was refreshing to see that other schools made the paper today in ways that made their parents proud -- the Forbes Flyers. The area schools in the Berkshire League.
Dale Martin says we need to be patient. Maryann Welcome limits the people to three minutes of talking. We need to remind these people that they work for us. This is a government of the people. The town of Winchester cannot spend money it does not have. When people lose their jobs, they cut spending. When the government loses revenue, they raise the mill rate. We can no longer permit the town to spend money they do not have. Tough times call for tough cuts and I am afraid we, as citizens, do not have the right people in place to make the tough decisions. Our politicians are scared -- scared to do the right thing, scared of not being re-elected and scared of stirring the pot. I have lived in Winsted for the last year and I have heard nothing but complaining. I have not heard solutions being offered by anyone, and that is disappointing. It is time to elect a new breed of politicians. Good enough is no longer good enough. Winsted is not isolated in these problems, but we are lucky. We still have time to resolve these problems, unlike many other towns.
The Torrington BOE is going to address the "problem" of cyberbullying by holding meetings? A forum? "Issues at hand?" "Statutory rape," isn't this something that fathers talk to their sons about. I.E. do not have sex with an underage girl or you could go to jail? "Cyber bullying." Aren't students given a copy of school rules at the start of every school year? "Responsibilities." Isn't this something that parents teach their children from the time they can pick up their toys? As they grow up, do parents teach that if you have rights you also have responsibilities? The BOE needs to answer as to why the chain of command was not followed. I.E. football coach to athletic director to principal to superintendent. The BOE needs to actively pursue cyberbullying charges and punishment against the students who resorted to social media to bully the rape victims. Their behavior is beyond offensive. If allowed to get away with the cyberbullying this behavior will set the standard for the rest of their lives. The BOE needs to know this incident is not going to go away.
The actions of the rapists, the actions of those who have bullied the victims, the inaction of the school administration, the BOE will not be fixed with meetings. Meetings should have been held as soon as the incident became knowledge in school. Those two victims are entitled, yes, entitled, to justice. Both in the courts and in the school system. Step up BOE. Not only Torrington but the eyes of the country via Fox news, CNN, England's Daily Mail and every newspaper and network TV station are watching how you handle justice for the two 13 -year-olds. Don't disappoint or bring more shame on the city of Torrington.


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Science Secrets Revealed at New York Worlds Fail (Jul, 1939)
At NEW YORK WORLDS FAIR
Cosmic rays, electronic energy and light power axe but a few of the invisible influences harnessed by science, whose magic show dramatizes its researches and discoveries for the Fair's sixty-million visitors. Here's a partial review to whet your appetite for this fascinating scientific show.
by Stanley Gerstin
SCIENTISTS at the New York World's Fair are putting on a show that makes Aladdin and his magic lamp look like a piker!
They are in control of invisible forces whose secrets they use to baffle, amaze and entertain! So don't take it on the lam if you hear your voice come in the door and go out the window. And don't see your eye doctor if you suddenly observe an electric fan reverse its motion and cut capers when mesmerized by a flickering light. For this is part of the show—and the show will have only just begun. Shortly, a gigantic Frankenstein of aluminum, obeying the barked commands of its human director, will take over as a master of ceremonies in this fantastic temple of science.
Electronic energy, television, radio, X-ray, ultra-violet, shortwave, light power—these are but a few of the sources of invisible influences that are made to perform for you as the servants of science!
A few faint cosmic rays arriving upon the earth from distant reaches of interstellar space ring a bell and officially open the show. As you enter the awe-inspiring Hall of Man a low, rhythmic throbbing greets the ear. It comes from a giant 22-foot figure of a man with a shining blood-red heart illuminated in his breast. The mechanism of the heart simulates that of humans which makes three billion beats without a halt (you hope) in a 75-year lifetime.
A "pain-man," a life-size reproduction of the torso, is marked with buttons on the 12 spots where pain occurs most frequently. A visitor pushes a button and a glass chart lights up showing the probable cause of pain in that region. Visitors walk into a giant replica of the human eye and look out of the pupil at the world—as the near sighted, far-sighted and color-blind see it. The visitor's lung capacity is measured by the spirometers; his muscular strength and fatigue by ergo-graphs; the bony structure of the hand by fluoroscope. There is even a life expectancy machine—which is as near as you may want to get to looking your fate in the face. The famous Lindbergh-Carrel heart is on display and an operation will be performed on life-size breathing dummies so that you can watch what happens (or would happen) to you when you take an anesthetic for an operation.
Now step into General Electric's "house of magic," where you will be initiated into the mysteries of the fluorescent stroboscope, which changes color and pattern as it revolves at high speed. The stroboscope is a phosphorescent-coated disc whose pattern changes according to the speed of a flickering light directed upon it. Equally amazing is the inducto therm (sometimes known as the fever machine). This machine enables a person to light a bulb in the hand simply by forming a loop with the arms. What actually happens is that a radio wave transmitted from the inducto machine induces an electric current to flow through a tuning loop formed by the arms, and the current thus flowing through the body lights the bulb. Science has discovered that the inducto therm is invaluable in giving people radio wave treatments for arthritis, and other ailments.
From the inducto therm, the scientist turns to the sodium streamer (illustrated on the cover) for a display of colorful gas bubbles induced simply by charging the argon atmosphere in the huge sodium bulb with electricity. This is the "Sally Rand" exhibit of the show, except that when the bubbles burst—others take their place! What actually happens is that the electric charge turns the gas into a golden boiling mass, in the neck of the- bulb, which shoots up a shower of colorful gas bubbles. As they strike the top of the bulb, they spread out fan-like—and burst. But a constant shower of new bubbles of every color in the rainbow take their place. This sodium bulb is the largest ever made and its life is unpredictable.
Maybe you think it is easy enough to perform scientific wonders with the aid of electricity, but science shows that it has harnessed the power of ordinary light itself to drive a mechanical engine. This trick is achieved with the aid of the sun machine. By concentrating light upon a group of photo-electric cells, energy is set up, which when transmitted by wires to a small dynamo, drives a flywheel and shaft. Scientists don't like to commit themselves on the possibilities of using power from light alone, or from the sun, but laboratory experiments now being carried on indicate that sun-power will someday be made to supply light and power to homes and industry. Spectators who see this exhibit and get fantastic ideas about using sun-power to wash the dishes, cook their meals and drive their automobiles will not be far wrong.
As a matter of fact, autos, airplanes and trains are already being driven by remote control, so if you see a small train cavorting up and down the tracks to the commands of a human voice—blame it on the scientists and not on your eyes. The train is controlled by radio and what happens is that human sounds are transmitted by a radio control unit as a series of signals which automatically set the train in motion or stop it. The principle is somewhat the same as that used in controlling the mechanical man which will be described later. When a speaker says "Go Back," sharply, two clicks are heard in the controlling machinery. These two clicks automatically set the controls in motion for reversing the direction of the train. In similar manner the train is made to move forward, to stop and start, etc., depending on the predetermined number of emphasized syllables spoken by the attendant in ordinary speech.
At Westinghouse's "world -of- scientific-wonder" you are stopped by a 120-foot "singing tower of light." This strange structure is like an inverted cone and is formed of six concentric metal rings. The rings are separated by tubular rods with insulators symbolic of the electrical industry. They are connected to the tower face which contains circuits of red, green, and blue lights.
The tower sings! In operation, automatic valves control a series of water spouts which climb in varying heights up to 75 feet, rising and falling to the impulse of an unseen electrical master. As the lights dance, and the water spouts upward to a musical accompaniment, a cloud of smoke gradually rises toward the rim and the entire tower is enveloped in a many-colored mist.
The mechanical man is a robot nightmare come to life; an actual monster of metal that stands 6 feet 10 inches high, weighs 260 lbs., and walks, talks, sings, dances (just a simple waltz—no jitterbug stuff), smokes, knows colors, smells flowers and counts on his fingers. Call him Elektro.
He has 26 tricks in his repertoire and looks like Frankenstein Karloff. He is operated by 48 electrical relays (circuits actuated by current variations in other circuits) which operate his 11 motors by remote control. He walks with a peculiar limp, as only one leg bends. In spite of this infirmity he is probably the most educated robot alive.
He converts the sound vibrations of prearranged commands into electrical impulses, as a telephone does, and these impulses set him in motion. He is quite indifferent to what words are used. The number and spacing of syllables are what he pays attention to. If vocal impulses in the wording of a command are not delivered just right, Elektro may disobey orders, too. During a laboratory demonstration his mechanism became rambunctious and instead of saluting as he was commanded, he began walking backwards. He continued backwards oblivious of the commands of the demonstrator whose words became a jumble in the excitement. The coupe de grace was delivered by Westinghouse-Engineer J. M. Barnett who shut off the electric current supplying the robot with power. And just in time—or Elektro might have gone on backwards right through the wall!
Nearby, on huge screens, a virtual 12-ring circus is in constant performance in which queer animals one-thousandth of an inch long are magnified to the size of jack rabbits. The performers are microscopic organisms whose world is a drop of water. The ring master is Dr. George Roemmert who calls his strange scientific invention the microvivarium.
The microvivarium is a jitterbug realm, ordinarily invisible, in which strange bits of animal life spend their time spinning around on their noses. Here visitors may watch the beating hearts of transparent water fleas and see unborn babies stirring in their brood pouch. The machine that reveals them magnifies their size two thousand
Dr. Roemmert's microbes are not exactly pets but he cares for them as if they were so many Park Avenue poodles. Their temperature and food must be regulated carefully and the water in which they perform must be specially prepared. The ring master brews a kind of tea with hay. He drops in a tidbit of decayed plant material and the microbe acrobats, clowns and daredevils start their gyrations.
Like the circus clown, they are carefully made up. A transparent animalicule, for instance, is fed a red dye just before he goes on with his act. The observer is thus enabled to see his digestive appartus in action. The drama of life in this microbe world is as carefully staged as a Broadway hit. A slow-moving scene opens the first act. Nice little bugs are shown having a picnic. Then the big, bad wolf comes stalking, swishing its tail, puffing itself up and bent on destruction. A terrific, devastating death battle results which is real and thrilling. You forget that the contestants are invisible to the unaided eye.
If seeing is believing, you will have to trust your eyes and ears when two ordinary flashlights make their appearance as virtuosos of the marimba! A technician points the lights at a marimba and the instrument beats out a tune that marks the dawn of a new day in swing music. "Marimba" is the name of a 3-1/2-octave instrument equipped with photo-electric cells and grid tubes. The flashlights provide the lighting to activate the photo cells. The ordinary hand action of striking the resonant bars with a hammer is
simulated by electrically driven hammers which vibrate when light strikes the electric eyes. The marimba is played from a distance of 15 feet but scientists estimate that by optical refinements and application of the principle of light-beam relays, the instrument could be played at distances up to 300 to 400 feet.
And just to retain you in that illusionary world of magic when you leave the marvelous halls of science, engineers have devised a spectacular lighting demonstration for the perisphere that simulates a floating planet. The effect devised shows the perisphere wreathed in clouds and deep in etheral blue light whirling through space.
The peculiar blue light and whirling clouds over the surface of the perisphere are created by 340 lighting projectors placed on roofs of nearby buildings. Six cloud projectors will help convey the idea of inter-planetary space. A special control system makes possible smooth change of colors and shifting of clouds.
These are but a few of the wonders of science designed to entertain you at the Fair, where science has directed its skill toward dramatizing its research and discoveries.


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HOUSTON – With an inviting opportunity to fortify their playoff positioning, the Houston Dynamo burned an overmatched Chivas USA defense with a second-half offensive outburst en route to a 5-1 win Saturday night.
Giles Barnes led the way, scoring on either side of the halftime break to give Houston the lead twice on the night. Will Bruin and Boniek García– who bagged a brace – also found the net to help secure a crucial three points at BBVA Compass Stadium.
The win pushes Houston to 43 points, three clear of the fifth-place New England Revolution, their opponents next weekend, and just two behind the third-place Montreal Impact.
Barnes' first goal was a slice of redemption for the striker. Twice in the first half the Englishman had clear looks on goal only to be bested by Kennedy, and in the 39th minute the forward finally got one to go.
On the Dynamo's fifth corner kick of the half, Brad Davis placed the ball in the perfect spot for Barnes, who shook loose of Chivas defender Carlos Bocanegra to nod home the game's first goal. It was a milestone for Davis, as he became the seventh player to notch 100 regular-season assists in MLS history.
But Houston's first-half lead evaporated just five minutes into the second half after a Jermaine Taylor giveaway led to a Eric Avila goal. After the Dynamo defender's turnover in his own half, Avila set up rookie Carlos Alvarez, whose shot clanged off the left post. But the rebound floated across the box and the quick-thinking Avila headed it into the empty net for the equalizer in the 50th minute.
The back half of Barnes' brace nixed that outcome quickly as the forward grabbed the lead back for Houston just four minutes later. Barnes was played in on an excellent through ball by Ricardo Clark, and he cashed in from 19 yards out to give Houston an advantage they never relinquished.
With his brace, Barnes now has eight goals to lead the Dynamo in scoring in his first full season with the club.
The Dynamo exhibited complete control as the night unfolded. The home team enjoyed the lion's share of possession and created 16 scoring chances, directing 10 on goal.
At the other end of the field, Houston was able to keep Erick "Cubo" Torres at bay. The dangerous Mexican striker was the focal point of Houston's defensive and rarely got a clean look in the penalty box.
In the 63rd minute, Bruin joined Barnes in the scoring party. Released by a Warren Creavalle through ball, Bruin initially stumbled as Chivas USA defender Steve Purdy seemed to have the play under control, only for the ball to nick past his outstretched foot and fall kindly for Bruin as he advanced into the penalty box alone. He made no mistake, placing his effort out of Kennedy's reach for his seventh goal of the season.
Just for good measure Houston notched a fourth strike with a fluid passing sequence. Creavalle, Bruin and Cam Weaver used five passes to completely turn Chivas' defense and Boniek Garcia was the beneficiary, knocking home a low bouncer for his first goal of the year.
Garcia added a 90th minute penalty-kick goal after a handball at the goal line to finish the rout and chalk up his first brace in a Dynamo uniform.
Houston Dynamo (12-10-7; 43 points) vs. Chivas USA (6-16-8; 26 points)
MLS regular season
September 21, 2013 – BBVA Compass Stadium, Houston, TX
Attendance: 20,157
Scoring Summary:
Houston: Giles Barnes 7 (Brad Davis 8) 39
Chivas USA: Eric Avila 3 (unassisted) 50
Houston: Giles Barnes 8 (Ricardo Clark 4) 54
Houston: Will Bruin 7 (unassisted) 63
Houston: Boniek Garcia 1 (Will Bruin 7) 79
Houston: Boniek Garcia 2 (penalty kick) 90+1
Houston Dynamo: Tally Hall; Kofi Sarkodie, Bobby Boswell, Jermaine Taylor, Corey Ashe; Boniek Garcia, Warren Creavalle, Ricardo Clark, Brad Davis (Servando Carrasco 83); Will Bruin (Omar Cummings 81) Giles Barnes (Cam Weaver 75)
Unused substitutes: Tyler Deric; Alexander Lopez; Jason Johnson; Eric Bunner
Chivas USA: Dan Kennedy; Mario de Luna, Bobby Burling (Steve Purdy 45), Carlos Bocanegra, Jorge Villafaña; Edgar Mejia, Oswaldo Minda, Eric Avila (Matthew Fondy 62), Carlos Alvarez (Carlo Chueca 78), Bryan de la Fuente, Erick Torres
Unused substitutes: Jose Manuel Rivera; Patrick McLain; Julio Morales; Josue Soto
Misconduct Summary:
Chivas USA: Carlos Alvarez (caution) 41
Chivas USA: Oswaldo Minda (caution) 52
Chivas USA: Erick Torres (caution) 52
Houston: Bobby Boswell (caution) 70
Referee: Fotis Bazakos
Assistant Referees: Kermit Quisenberry, Mark Cahen
4th Official: Jair Marrufo


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British officials are investigating the unexplained death of a Russian businessman, a key witness against Russian officials who allegedly stole $230 million from a London hedge fund in a money laundering scheme.
Alexander Perepilichny's body was discovered Nov. 10 outside his rented house south of London. Police said a second post-mortem on the 44-year-old former milk factory owner would begin Friday after a previous one had proven inconclusive. It could still take months to get the new toxicology results, Surrey Police spokeswoman Nicola Burress said.
The case evokes memories of the 2006 death of former Russian spy-turned-Kremlin critic Alexander Litvinenko, who was poisoned with polonium-210, a rare radioactive isotope that was secretly slipped into his tea at a London hotel. The case took relations between Moscow and London to a post-Cold War low, a relationship that has yet to fully recover.
The latest Russian death is linked to the same money laundering scheme that was being investigated by Sergei Magnitsky, a Russian lawyer hired by the London-based hedge fund Hermitage Capital. Magnitsky died in a Moscow jail in 2009 amid torture claims, and his death has spurred efforts in Europe and the U.S. to punish Russian officials who may have been complicit in human rights abuses.
"All of us are at risk in this campaign," Hermitage Capital director William Browder told The Associated Press on Thursday.
Perepilichny had approached Hermitage officials in 2010 and provided extensive documents on the alleged scheme, Browder said. Bank statements, company registry documents and ownership records of offshore companies were then passed onto Swiss investigators and Hermitage Capital applied to file a criminal complaint in Switzerland.
Swiss Federal Prosecutors' Office spokeswoman Jeannette Balmer said Thursday that the Hermitage Capital investigation was ongoing but that some bank accounts had already been frozen.
Hermitage claimed the husband of a former Moscow tax official used bank accounts at Credit Suisse to make million-dollar property purchases after she approved a fraudulent $230 million tax return for three of Hermitage's subsidiaries. Their ownership documents had earlier been seized by officials at Russia's Interior Ministry, which used them to register their own people as owners and directors before filing the fraudulent tax claim, according to Browder, who has been waging a campaign against corruption in Russia for years.
Perepilichny, who owned a milk factory in the Ukraine and had been involved in investment management for others, never revealed to Hermitage how he had obtained the records, Browder said.
Perepilichny was cooperating as a whistleblower and had been aware of reports that his life had been threatened, according to a British official who spoke on condition of anonymity because he was not authorized to speak to the media.
"He came here a couple of years ago but his name had become known to us prior to his arrival in the UK," said the official. There had been reports that Perepilichny had become entangled with criminal gangs in Russia but he had not sought protection from authorities, the official said.
Perepilichny was living with his wife and two children in Weybridge, south of London.
Magnitsky was jailed by Russian officials after being charged with tax evasion linked to his defense of Hermitage. After officers at the Interior Ministry had seized ownership documents and registered their own people as owners and directors, they then reportedly filed a tax claim, saying they made a much smaller profit than originally described and asked for a $230 million tax return, according to Hermitage.
Magnitsky and Hermitage accused employees of the tax office that authorized the massive return in just one day of profiting from that tax scheme. The Interior Ministry has acknowledged the fraud but insisted that their tax officials played no part in it.
Russian criminal gangs are alleged to have helped in the money laundering scheme and Perepilichny is one of four men linked to the money laundering investigation who have died young.
Sergey Albayev, the alleged driver of a Russian gang leader, died in 2005 of heart failure at the age of 39. Alexei Alexanov, a 46-year-old linked to an alleged shell company, died in 2006 of heart failure. Valery Kurochkin, 43, who also had links to criminal gangs, died of liver disease in 2008.
Earlier this month, the U.S. House of Representatives approved a measure that imposes visa and financial restrictions on Russian officials linked to human rights abuses. Browder, who has pressed for such restrictions, plans to push for similar measures in Canada next week.
Many Russians who have fled to the U.K. for various reasons have reported being targeted.
In March, a former Russian banker was shot in an apparent assassination attempt in east London after giving evidence in a 2009 attempted murder case. German Gorbuntsov suffered several gunshot wounds outside an apartment block close to London's Canary Wharf financial district. Scotland Yard is still investigating the shooting.


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This book bridges the gap between traditional and reform approaches to algebra encouraging users to see mathematics in context. It presents fewer topics in greater depth, prioritizing data analysis as a foundation for mathematical modeling, and emphasizing the verbal, numerical, graphical and symbolic representations of mathematical concepts as well as connecting mathematics to real life situations drawn from the users' majors.Lothar Redlin, Saleem Watson, Phyllis Panman James Stewart is the author of 'College Algebra: Concepts and Contexts (Includes Webassign)', published 2010 under ISBN 9780495387893 and ISBN 0495387894.[read more]
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Supervision as a Recognised Member
Recognised Members are required to notify the DFSA immediately of any material changes which could impact their recognition status within the DIFC. This includes making copies available of any information provided to financial services regulators outside of the DIFC.
Supervision as a Recognised Body
A Recognised Body is required to deal with the DFSA and their home Financial Services Regulator/s in an open and co-operative manner. This includes keeping the DFSA promptly informed of significant events, as well as submitting a copy of annual reports and accounts.
The DFSA relies upon the home Financial Services Regulator to act as the primary regulator of the Recognised Body. The focus of the DFSA's interest will be on activities carried on in the DIFC or activities which have an impact on the DIFC.
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Most orders for In-Stock products begin shipping as soon as your online purchase is completed. Products are shipped once they are located in stock, your payment is approved, and the receiving address is verified.
Out of Stock.
Expandable Tote Alpha 3
€ 425,00
About this item
Style: 117337-1041
This expandable tote offers plenty of room to compartmentalize all of life's essentials. With an impressive 21.5"" of expanded depth to maximize your packing capacity, as well as lots of smaller interior and exterior pockets, it will keep everything from documents to gym clothes and smaller essentials organized and ready to go.
Part of our Alpha 3 Collection, iconic business and travel pieces that bring together innovative design, superior performance, and best in class functionality. Made from TUMI's signature, ultra-durable FXT® ballistic nylon (materials for some items may vary).
Features and specifications
|36 x 14 x 43 cm
|1.316 kg
|Ballistic Nylon
Interior Features
- Large padded open pocket
- Large file pocket
- 3 media pockets
- 2 zip pockets
- Open pocket
- 3 card pockets
- Pen loops
- Key leash
- TUMI Tracer®
Exterior Features
- Zip entry to main compartment
- 2 front U-zip pockets (one with water-resistant lining)
- Gusseted front straight-zip pocket
- Front slip pocket with magnetic snap
- Back zip pocket
- Zipper expansion
- Leather-accented top carry handles
- Add-a-Bag sleeve
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LEXINGTON, Va. (AP) Tashan Newsome scored 13 points and Kevin Hartley recorded a double-double to lead Gardner-Webb to a 63-49 win over Virginia Military Institute on Saturday.
Hartley finished with 10 points and 13 points for the Runnin' Bulldogs (11-10, 3-4 Big South Conference), who snapped a two-game losing streak. Donta Harper scored 10 points and had six rebounds.
Gardner-Webb led by as many as 12 points in the first half, but the Runnin' Bulldogs saw their lead vanish in the second half. The Keydets tied the game at 34-all on Rodney Glasgow's layup with 18:26 left to play.
But VMI (9-10, 4-3) was unable to pull ahead, as Gardner-Webb answered with a 15-2 run that was capped by Jarvis Davis' two free throws with 9:01 remaining.
Stan Okoye and Tim Marshall each scored 14 points for the Keydets, who lost their third consecutive game. D.J. Covington had 11 points and 10 rebounds.


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- "Trailer" redirects here. For video trailers of upcoming games, see Category:Trailers.
Towing refers to an ability in Grand Theft Auto games to tow or pull an object, specifically a trailer or vehicle, using another vehicle. The feature is first made possible in Grand Theft Auto 2, when semi-trailer trucks possess the ability to pull trailers, but only one game, Grand Theft Auto: San Andreas, similarly offers such a feature.
Attachments with trailers simply require the player reverse their vehicle into the front of a trailer until the camera readjusts itself to center on both the hauler and the trailer, confirming the coupling is complete. When pulling a trailer, the vehicle will possess poorer performance due to the need to pull extra weight, especially with regards to steering as the vehicle is now longer. Players have the option of detaching trailers after attachment.
All in all, GTA 2 features three forms of trailers, one of which is somewhat useful in actual gameplay. The Truck Cab and the Truck Cab SX represent the game's only two semi-trailer trucks, and are also the only vehicles in GTA 2 capable of attaching to and pulling trailers. Players may detach a trailer using the attack key or button.
Trailers sustain damage like other vehicles, and also emit fire the same way when heavily damage, even exploding when destroyed, posing a danger to the player if they are pulling a trailer that is in bad condition.
GTA San Andreas
GTA San Andreas is the only game after GTA 2 to reintroduced the ability to pull loads. The game mechanics of attaching to and pulling a trailer is roughly the same as in GTA 2, but trailers may decouple from a vehicle using a specific command or if physical force (i.e. jackknifing, dislodging due to rough terrains or jumps, excessive speed, etc.) is subjected to the trailer. However, there is no single button to detach the trailers. There is a glitch in the PS2 version where taking a picture of the attachment will detach the trailers but the glitch is fixed in subsequent versions.
Along with the game's three semi-trailer trucks (the Linerunner, Tanker and Roadtrain), the game also introduces a different range of vehicles with roughly the same capability, including:
- The Tow Truck, which employs an adjustable boom at the back to pull any large vehicle.
- The Tractor, which uses an adjustable tow hitch to pull smaller hauls or large vehicles.
- The Utility Van and Baggage, which feature a stationary tow hitch to pull smaller hauls.
The trailers themselves consist of a more varied range of items, some of which are not available unless they are spawned using a third-party trainer. In total, GTA San Andreas features a eight types of trailers: Four semi-trailers and four specialized trailers.
All trailers in general are capable of exploding entirely if severely damaged or flipped over, but specialized trailers have several other peculiarities, including functional headlights and taillights that light up at night or in a dark location, and the ability to emit smoke if sufficiently damaged (Including those that would never burn, much less explode). Truck trailers are prominently used in the Trucking side mission.
List of trailers
|A container trailer.
|A tanker trailer for liquid loads. Not to be confused with a Tanker truck (Early Ray Larabie design).
|A flat bed trailer. With the Transporter, the player has the ability to place any car on the trailer using single, unmarked cranes located in each district of the city; likewise, vehicles on trailers can be unloaded using the same cranes. When a gang car is placed on the truck, its gang markings disappears for as long as it is on the trailer.
GTA San Andreas
|Articulated Trailer
|A trailer designed to carry solid loads. The trailer is available in three forms, two fully covered (
artict1 and
artict3) and one hopper (
|Tanker Trailer
|A fuel tank trailer bearing Xoomer livery.
|Specialized trailers
|Farm Trailer
|A plow intended to be pulled by a Tractor, complete with functional chisels that move as the Farm Trailer is in motion. The Farm Trailer can be found at a farm in Tierra Robada near the Bait Shop, although no Tractors can be found in the desert. It can also be found at the East side of the farm buildings across the water, West of Palomino Creek
|Utility Trailer
|A black utility trailer intended for the Utility Van. The trailer is not normally available in game, and can only be spawned using a third-party trainer or car spawner. The reason for its lack of availability in-game is unknown. If the trailer is spawned at night, connected to the Utility Van, then turned on its side or upsidedown a headlight can be seen.
|Tug Stairs
|A mobile staircase commonly found in airports, intended for the Baggage and ideal for access into an AT-400 where a permanent platform is not available. Its high center of gravity may often lead it to topple over during high speed cornering.
|Baggage Box
|A luggage box commonly found in airports, and intended for the Baggage. Available open (
bagbox a) or closed (
bagbox b), and may also be attached to other Baggage Boxes or the Tug Stairs. The Baggage Box also features its own steering axle.


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Welcome to the website for Lance R. Panarello, DDS of Aston, PA. Dr. Panarello is a qualified and reputed mini implant dentist with special interest in restorative and cosmetic dentistry. Not only is he well known for offering complete and thorough periodontal and endodontic treatments, he is also capable of performing complicated full mouth restoration procedures.
Whether you want to replace a missing, broken or cracked teeth with mini dental implants, need more specialized treatments such as a root canal, or wish to enhance your looks with cosmetic treatments like teeth whitening or gum contouring, Lance R. Panarello, DDS's dental practice is your one stop destination.
Dr. Panarello offers a wide range of restorative dental care treatments replacing missing teeth with dentures, dental crowns as well as dental implants. He is also a specialist in periodontal and endodontic procedures like root canals, periodontal scaling, and root planning using Diode laser technology. Lance R. Panarello, DDS also offers specialized treatment plans for children and the elderly. If you are looking for comprehensive dental care and treatment for your whole family then Dr. Panarello is definitely your best option.
Lance R. Panarello, DDS is capable of providing complete and all-inclusive treatment for the entire family. His sensitive and caring nature is reflected in the extra care and attention he gives to each and every patient. No matter what your problem may be, you will be treated with utmost importance and sensitivity.
Taking care of yourself and your family's dental and oral health should be of primary importance. Dr. Panarello will help you ensure continued good oral health for your entire family. Say goodbye to tooth decay and get your beautiful smile back by consulting Lance R. Panarello, DDS today.


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Model: S114BN
Waterhill Brushed nickel diverter spouts
Vintage and full of character, Waterhill bath faucets and accessories bring provincial elegance to today's more traditional homes. Period-era details like a gooseneck spout and top finial give each faucet an authentic feel.
Connection Size
Connection Type
slip fit
Tub Spout Length
6 3/4"
Spout Type
limited lifetime
- brushed nickel finish brings the warm look of stainless to your bath
- 1/2" connection size
- slip fit connection type
- 6 3/4" tub spout length
- limited lifetime warranty
The Waterhill Collection
Vintage and full of character, Waterhill bath faucets and accessories bring provincial elegance to today's more traditional homes.View Collection
Magnetix Handheld Showers
Docking allows for easy release and securely snaps the handshower back into place, even with your eyes closed. Easy to use and attractive, the Magnetix Hand shower is perfect for your bathroom. This innovation offers easy release and return. With 3 quick steps, installation is easy, requiring only a wrench.
Flo by Moen
This Smart Home system is the first water security system that monitors and protects your home from leaks and water damage with a single smart water valve, no additional sensors needed. Flo by Moen is installed on the main water supply line of the home. Through the Flo by Moen mobile app or your web browser, you can see if the smart water valve detects an issue and be alerted so you can fix it before that issue causes damage. If there's a catastrophic failure, you'll be alerted in the app allowing you to shut the water off - no matter where you are.


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main(713) 222-2273
Schedule an appointment online with ScheduleNow
Imaging & Diagnostic Services
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Services & Specialties
To search Houston doctors, please select a specialty & submit your Zip Code below.
To schedule an appointment online, select provider type, service and submit your ZIP code below.
Memorial Hermann and the YMCA of Greater Houston are community partners committed to improving the health and wellbeing of people from all walks of life.
Both organizations are dedicated to improving health and wellness in the whole person - mind, body and spirit. Through their partnership, Memorial Hermann and the YMCA offer a network of locations that provide medical services and wellness programs throughout the community.
The E.A. Smith YMCA and Memorial Hermann Southeast offer pediatric physical therapy and wellness programs. The Smith YMCA will house a 2,200-square-foot clinic that will offer therapeutic massage, nutrition counseling and weight management, physical therapy and more. The 1.4 million-dollar expansion will add 10,000 square feet for a total of 37,000 square feet.
The Downtown YMCA will soon be home to a Memorial Hermann Wellness Center. This project will expand programs and services available at the YMCA and make Memorial Hermann the convenient choice downtown for preventive health screenings, immunizations, travel medicine and physical examinations.
Memorial Hermann The Woodlands and the South Montgomery County YMCA are reviewing opportunities for potential programs and services at a second YMCA site in the Woodlands. A survey is under way to help identify medical and wellness programs for the new YMCA location.
A YMCA is now open in Cinco Ranch. The beautiful facility, offering programs for the entire family, is located at 22807 Westheimer Parkway, Katy, Texas 77494. Call 281-392-5055 for membership and program information.


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Editor's Note: David Burd is an absolute dog lover. He owns a kennel in Urbana, Md. The opinions below are his.
David Burd,wtop.com
WASHINGTON – News reporters are supposed to be neutral when covering a story. The late Peter Jennings would wholeheartedly agree. But I must give you a full disclaimer before I get into the story I'm covering: I'm biased.
That's because I know what I'm talking about.
The story concerns pit bulls and the latest ruling from the Maryland appellate court that says "pit bulls and cross-bred pit bulls are inherently dangerous."
I own a pit bull, and for the past 12 years have owned and operated a boarding facility for dogs. I have boarded over a thousand dogs, so I think I have a little experience when it comes to them, their breeds and their behavior.
Pit bulls get a bad rap, and it's not just me saying this. I went to Frederick County's animal control division to speak with a couple of animal control officers recently. After all, they see their fair share of dogs, good and bad. One of the officers I spoke with, Mike Douglas, owns a pit bull himself. He says it's the owners, not the dogs, who are at fault when it comes to the behavior of their dogs. I spoke to four control officers, and without fail no one bad-mouthed the breed.
I am not discounting the tragedies with dogs that we hear and read about in the press — the child who was killed by the family dog, or a renegade dog who got loose from his yard and attacked a bystander. These are sensational stories and they get our attention. But what doesn't get our attention is what's behind them.
Did we know that the owner of this dog kept him in an enclosure for 12 hours a day? Did we know that the dog was disciplined with a belt or was beaten when he did something wrong? No, we didn't hear that. We just heard about the attack.
When you only hear one side of a story, you can come up with the wrong conclusion. A poodle bit my child, so all poodles are bad. This is how it starts. This is how reputations are made.
My pit bull's name is Diesel. He's 7 years old. I met Diesel as a client. He was owned at the time by a young lady who boarded Diesel with me for about 10 days. Diesel was the sweetest dog I had ever boarded. He had personality, and he was loving. When the young lady came to pick up Diesel, I told her that if she ever had the insane thought of getting rid of him, she should please call me first.
Two weeks later, she did. She was breaking up with a boyfriend and moving back home with her father, who lived in a condo where Diesel couldn't live. I took him in, and I've never been sorry about it.
One day after Diesel came to live with me, I had a handyman working on the house. He came up the back to where my deck is — which is where Diesel hangs out (he can see the squirrels better there). All of a sudden, Diesel saw the handyman and went crazy. I called the young lady who gave me Diesel and told her about what happened.
"Was your handyman wearing a baseball hat?" she asked.
When I told her he was, she explained that Diesel's owner before her had abused him, burned his ears with cigars and had even tried to shoot him. He also wore a baseball hat. She had intervened and took Diesel away.
There is a reason for a dog's behavior, and nine out of nine times, it's because of how they've been treated and trained.
Pit bulls are the bad dog flavor of the decade. In the 70s, it was German shepherds; in the 80s, it was Dobermans; 90s, Rottweilers; and now, it's pit bulls.
The truly sad aspect of the appellate court's decision is that because of it, hundreds, if not thousands, of homeless pit bulls will never get a loving home. They've been smeared, and needlessly so.
In the days to come, a lot of organizations that understand pit bulls will rally to try and educate the court about the breed and its behavior. There are bad people in our world and there are bad dogs, but don't label every person or dog bad because of a few.
In conclusion, with all the dogs that I've boarded over years — including Great Danes, Rhodesian ridgebacks, pit bulls, Dobermans, etc. — I have only been bitten four times. All by Chihuahuas.
I rest my case.
Follow WTOP on Twitter.
(Copyright 2012 by WTOP. All Rights Reserved.)


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HONG KONG/SINGAPORE - Canada's Sun Life Financial and Malaysian state investor Khazanah have agreed to buy Aviva's Malaysian insurance joint venture with lender CIMB for about 1.7 billion ringgit (US$563 million, S$690 million), sources said on Sunday.
The deal will help the Canadian company expand its Asian footprint.
The consortium of Sun Life Financial Inc and Khazanah Nasional Bhd edged out rival Manulife Financial Corp to win the eight-month old auction, sources familiar with the sale process said.
Britain's No.2 insurer Aviva is exiting marginal markets across the world with the aim of boosting its underperforming share price, and the sale of its Malaysian unit is part of that overhaul. Last month, Aviva sold its US business for US$1.8 billion, its biggest-ever disposal.
The Malaysian deal is expected to be signed on Monday, the sources said.
Global insurers are showing increasing interest in Southeast Asia because of its rapid economic growth, high savings rates, and relatively young populations.
Malaysia is the third-biggest economy in the 10-member Association of Southeast Asian Nations and CIMB has 320 branches across the country through which it can sell insurance products.
Sun Life already has joint ventures with CIMB Group Holdings Bhd elsewhere in Asia.
A Sun Life spokeswoman did not offer an immediate comment. Aviva could not be reached for comment immediately. CIMB and Khazanah officials were not available for an immediate comment.
Aviva's sale of its Malaysian operations drew interest from Prudential Plc and AIA Group Ltd. AIA dropped out of the bidding last fall after making a successful bid for ING Groep NV's Malaysian operations.
Under the deal, Sun Life will buy Aviva's 49 per cent stake in the joint venture, while Khazanah will buy CIMB's stake.
"Most of the value comes from the exclusive distribution agreement that Aviva has with CIMB," one person familiar with the matter told Reuters.
Aviva and CIMB entered into a 20-year bancassurance agreement five years ago.
As part of a business reorganisation launched last July, Aviva decided to sell or close 16 businesses that tie up over a third of the insurer's capital while contributing just 18 per cent of operating profit.
Aviva's Malaysian operations were formed as a joint venture with CIMB in 2007. The business struggled, and Aviva announced its intention to sell its underperforming assets and boost its capital reserves and share price last summer.
Aviva recently sold its Sri Lankan operations to AIA, and named New Zealand-born Mark Wilson as its new chief executive.
For the Malaysia deal, Sun Life was advised by Bank of America Merrill Lynch. Morgan Stanley advised Aviva, JPMorgan advised CIMB and Rothschild advised Khazanah.