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Finding the right Corvallis chiropractor can be a daunting task. There are so many good ones to choose from. It can be even more difficulty to find the right fit if you have never been to a chiropractor before. Here are some of the problems people commonly encounter when they are trying to choose a chiropractor in Corvallis, or really anywhere they might be.
- Do I have a problem a chiropractor can fix?
- What if I don't have health insurance?
- What kind of techniques does this chiropractor offer?
- How can I be sure I will be treated safely and fairly?
- Is this chiropractor in network with my health insurance?
- Can I see a chiropractor if I have a serious work injury or auto injury?
These are all very good and valid questions. You may even have additional questions that you may not see listed there.
People in Corvallis and surround areas, such as Philomath, Monmouth, Albany, etc., choose Body of Health Chiropractic and Wellness Center for their chiropractic care and wellness needs.
How to Choose the Right Corvallis Chiropractor – The Doctor:
Dr. Jason Young has called Corvallis home for most of his life and will be here for many years to come. He is one of the leaders in the chiropractic profession having been appointed by the Governor of Oregon as a member of the state licensing board for the profession (the Oregon Board of Chiropractic Examiners). He is also very knowledgeable and respected as a teacher having worked as faculty at the Oregon School of Massage and Linn Benton Community College. He also teaches continuing education classes to other chiropractors and chiropractic assistants. He has distinguished himself as the first chiropractor to work with the Oregon State University Athletic Department. Every week he works side-by-side with the athletic trainers on athletes of all sports, including football, baseball, basketball, track and field, and more. He is even trusted by dozens of professional athletes and even Olympians for injury care and helping them to be their best.
All this is to say that Dr. Young operates at a high level. As a respected, experienced and accomplished chiropractor, you can trust him with your care.
How to Choose the Right Corvallis Chiropractor – The Philosophy:
At Body of Health Chiropractic and Wellness Center, we know what chiropractic is and what it isn't. What does that mean? It means that we help wherever and whoever we can and if we can't then we will get you set up with the right kind of help you need. Even if this means sending you to another chiropractor! Chiropractic care is primarily about quality of life. We don't over-promise although we have to admit that we have been known to over-deliver.
We also believe that healing starts when you walk in the door. We place a high value on the whole experience in our clinic. If you don't like to laugh or smile then this might not be the place for you. Our mission is to come up with solutions that will suit your needs and make this the best and most unique chiropractic experience you have had.
How to Choose the Right Corvallis Chiropractor – Our Staff:
Since we opened our doors, Body of Health Chiropractic and Wellness Center has featured highly skilled massage therapists with a broad range of expertise for many kinds of patient needs. All of them specialize in deep tissue techniques and have many tools in their belts to work with elders, pregnant mothers, elite athletes, weekend warriors or anybody in between.
Even if you have never had a professional massage, our massage therapists are excellent at helping people feel comfortable and cared for. Body of Health provides massage therapy services for home team and visiting Division I athletes. When the other team comes to town, they call us first to take care of their athletes.
Whether it is for a relaxing treat or to get you back on your feet our Licensed Massage therapists can deliver what you need.
How to Choose the Right Corvallis Chiropractor – The Value:
Let's be honest… There is nothing more valuable than your health. Just ask anybody who has lost theirs. It is more important than money, time, cars, or anything else. The reason is that you aren't really free to pursue the other things you love in life unless you are healthy.
We are proud to be able to help people realize their dreams and goals of any kind by getting the most out of their bodies. Can you put a price tag on that? One thing is for sure. It is costly not being able to work, play and enjoy time with the people you love or doing the things you want to do.
To help you maximize your value we will bill your health insurance carrier for service we provide. We are in network with most of the major insurance companies.
If you don't have coverage or it if your insurance coverage isn't very good, don't worry! We have a discount for patients who are paying at the time they receive care using a check, credit/debit card or cash. The value of this care with certainly exceed your costs.
- Monday 9:00 AM – 6:00 PM
- Tuesday 9:00 AM – 6:00 PM
- Thursday 10:00 AM – 6:00 PM
- Friday 9:00 AM – 3:00 PM
Massage Therapy
Monday – Sunday by Appointment Call (541)753-1287 to Schedule
My goal is to help you become the best version of you. This means getting and staying out of pain, making and achieving your health goals and feeling great. Whether you need chiropractic care because you have had problem like an auto injury, herniated disc, or posture problem or you are looking to enhance your performance, nutrition and well being, Body of Health Chiropractic & Wellness Center has something to offer. There is a reason so many people, including the Oregon State University Athletic Department, trust us with their care. We want to show you the difference we can make.
Our Lastest Blog Post...
Chiropractic Myth – Is Chiropractic a Waste of Your Money?
Wow.... This video from Tech Insider, bashing chiropractic, is a real treat. When you enjoy…Read More →


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Powerpuff Girls Hoodie - MoJo And More Character Clothes
Powerpuff Girls Hoodie - MoJo And More Character Clothes
Powerpuff Girls Epic hoodie - Powerpuff Girls clothes. The best quality clothing including hoodies, t-shirts, jumpers and more. Best gaming, anime and more items. Check out all of our printed clothes.
Cartoons are part of our culture and daily life, why not wear an awesome clothing piece to show your passion and love for cartoons? We provide the best wrap around printed clothing including anime, animal, funny and gaming style hoodies, shirts and other apparel.Material: Polyester Blend with Cotton Gender: Unisex Print: Front and Back (Same Image) Shop More: Apex Legends Clothes - Top Sellers
Hoodie Now provides the best hoodies, tshirts and tank tops. We provide American and EU standard sizing.
USA, UK, Aus, Canada, Germany
Economy - 14 - 21 Days
Standard - 10-12 Days
Express - 7 Days
Other Countries: please add between 1 to 3 business days
Hoodie Now ships to more than 200 countries (United States US, Canada, Australia, New Zealand, United Kingdom, France, Spain, Germany, Netherlands, Belgium, Switzerland,Poland, Mexico, Brazil, United Arab Emirates, South Africa, etc...), and you can enjoy free shipping on all items sold on hoodienow.com
We provide tracking numbers for all orders..
Track Your Order
It may take up to 5 business days after your order has shipped for your tracking information to become available online (it might take longer depending on how fast the postal services are processing shipments).

subset: commoncrawl


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The plan is just a starting point. You can customize the plan to your liking.
Barden Homes is our primary material supplier. They specialize in panelized construction techniques, NOT modular construction. Learn More >
- Amanda Kemick
Square Feet: 1892 Bedrooms: 3
Bathrooms: 2
Have We Built This Plan Before: NO


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Parisis Men's gloves
Material - Leather
Colors - Mocha
Select Size
Home Delivery :
Collection items : 5 to 6 business days
Personalised items : 2 to 3 weeks after the order has been placed Free Click & Collect:
6 hours or 2-3 days (depending on availability)
Available (Limited Stock)
Not only are gloves your friend when in search of comfort during winter's cold, but they are also accessories that can inject life into and personalise a classic silhouette. The Longchamp glove range offers timeless items, fantasy models and unique products catering to the needs of men and women alike, while spotlighting the brand's extensive know-how.
- Reference : L8258031002T80
- Material : Glossy lambskin
- Lining : Silk
Exterior details
- Closing : Snap closure
- Details : Hot-stamped 'Longchamp' signature and 3 points on the top of the hand
All Longchamp items are created with the utmost care in our workshops. To guarantee their longevity, we recommend that you follow a few simple rules: • protect the product from heavy rain; • avoid all contact with oily products, products containing solvents or alcohol (perfume for example); • avoid prolonged exposure to br ight light; • for dark-coloured items, avoid prolonged contact with light-coloured fabr ics, especially in a humid environment; • for light-coloured items, avoid friction with other materials or prints whose colours may rub off (jeans for example); • be careful not to scr atch or rub the product against abr asive surfaces; • after use, we recommend storing your bag in a case , away from light, humidity and heat.
To maintain your product, apply with a soft brush Longchamp colorless cream regularly to leather areas.This product can be protected by applying a waterproofing agent, following the recommendations given by the manufacturer.
Home Delivery:
Collection items: 5-6 working days after the order has been placed.
Personalised items: 2 to 3 weeks after the order has been placed.
Free Click & collect :
Collection items: 6 hours or 2-3 days (depending on availability)
You have a period of thirty (30) calendar days of receiving your item(s) to exercise your right of withdrawal. Should your order contain several items delivered separately, this period begins from receipt of the final item.
Your may exercise your right of withdrawal by returning your item(s) to us by post, or directly to the Store.
In all cases, please ensure that all items returned are complete (manual, accessories, etc.), in their original condition, with their original packaging, and provide a copy of your invoice. Incomplete, used, damaged or sullied returned items will not be accepted.
Given their unique and personal nature, personalised items cannot be rerturned or exchanged.
Therefore, the right of withdrawal does not apply to personalised items. We advise that you devote the necessary time and attention to creating your item.
For deliveries to Switzerland
Please go to our website, click on 'Contact' and complete the 'Returns & Exchanges' form within thirty (30) days of receiving your order.
You may also send us the withdrawal form attached to these General Terms and Conditions of Sale, or any other unambiguous declaration that states your request to withdraw your order, before the end of the period stated above.
- By e-mail, to: email@example.com; or
- By post: LGP E-SHOPPING - RUE GUSTAVE EIFFEL - ZI D'ETRICHE - 49500 SEGRE- France.
You must then return your item within fourteen (14) days following your decision to withdraw, using the completed and pre-paid label sent to you by e-mail.
Once you have received the label, please contact UPS to make an appointment. UPS will collect the parcel directly from your home. Please note: Please contact UPS as soon as possible, as the return label is dated and must be used within two (2) weeks of issue.
For deliveries to other countries
Please go to our website, click on 'Contact' and complete the 'Returns & Exchanges' form within thirty (30) days of receiving your order.
You may also send us the withdrawal form attached to these General Terms and Conditions of Sale, or any other unambiguous declaration that states your request to withdraw your order, before the end of the period stated above.
- By e-mail at the address shown in the table on page 2 of these General Terms and Conditions; or
- By post: LGP E-SHOPPING - RUE GUSTAVE EIFFEL - ZI D'ETRICHE - 49500 SEGRE- France.
Once your return request has been confirmed, we will send you a return reference number and online link to finalise your return(s) directly with ColiBack.
You then have fourteen (14 ) days following your decision to withdraw, to return the item(s) with one of our ColiBack shipping partners using the completed, pre-paid return label printed from its website. Please note: The return label is dated and must be used within fourteen (14) days of issue.
Provisions which apply to all countries
We undertake to fully refund all sums paid for your order, namely:
The item(s) you have returned,
The outgoing shipping costs for this item, under the terms of Article 5.1 above.
Please note: You shall be liable for any return costs we have paid (see completed and pre-paid return label above), and these will be deducted from your refund.
In other words, the refund will match the price of your item(s).
Refund amount = Price of returned item(s)
+ outgoing shipping costs paid by the consumer
- return shipping costs paid by LONGCHAMP
For orders delivered to a LONGCHAMP Store, the refunded amount will be the price of your item(s), as we would have already covered the outgoing shipping costs.
The refund will be sent to the payment method used for the initial transaction, as soon as possible and no later than fourteen (14) days following notification of your decision to withdraw.
We however reserved the right to defer the refund until we have received the item(s) in question, or until you have provided proof of shipping of this/these item(s) (the first of these date shall be used).
For deliveries in France, please return your item(s) within 30 days of receiving your order to the Longchamp Store of your choice in France. You may not return items to the Saint-Barthélemy or Saint-Martin stores, department stores, Outlet Stores or Airport Stores.
Please do not forget to bring your receipt.
We will then refund your item(s) together with the outgoing shipping costs for this/these item(s), unless you have selected delivery to Store (in the latter case, the refund will include the price of the item(s) only).
In accordance with the legal provisions in force, refunds can be sent to payment cards only, with your prior express acceptance. Should you fail to accept these terms, you may only exercise your right of withdrawal by post, in accordance with the process described under 6.2.1.
Items may be exchanged in any LONGCHAMP Store or department store located in Europe, excluding the Saint-Barthélémy or Saint-Martin stores, Outlet Stores or Airport Stores.
Please do not forget to bring your receipt.
No time limits apply to items from the current season's collection (Spring/Summer collection from Janaury to the start of July, and Autumn/Winter collection from July to the beginning of January).
For items from previous collections, you must exchange your item(s) within thirty (30) days of receiving your order.
You may exchange your item(s) according to the following terms:
The item that you wish to receive in exchange is of a higher value
The item that you wish to receive in exchange is of a lower value
You must pay the difference between the value of this item and the value of the ordered item.
Difference of over €/CHF/£100:
Credit note valid for one year only in LONGCHAMP Stores and Outlet Stores within the same country.
Difference of under €/CHF/£100: Difference will be refunded to the payment card.
The returned items must be complete (manual, accessories, etc.), in their original condition and with their original packaging, as well as a copy of the invoice. Any item returned incomplete, used, damaged or sullied may not be exchanged or returned.
Given their unique and personal nature, personalised items cannot be exchanged.
Parisis Men's gloves
Available (Limited Stock)


text:
1. You can enlarge the whole site (character size and with) by using the browser function to change characters size.
2. To your right it is possible to change the character size, font, spacing, characters and letters as well as adjust the colours. This will have consequences for the appearance of the whole website design. It will effect all pages at the University of Gothenburg's website. The changes will remain the next time you log in. (To save your changes the browser must allow cookies.)
*Changes has been made to the look of this website


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Compression sacks basically are stuff sacks with straps around them to compress what ever is inside. That is typically a sleeping bag, or clothing. If you position the sack with the opening at the top, the straps either go horizontally, or vertically. With a sleeping bag, horizontal straps would work well on an external frame pack, but vertical straps make for a smaller end result that fits well in an internal frame pack.
Bill's ChoiceSince I run internal frame packs, I use stuff sacks that have vertical straps. I have 4 different sizes depending on what I am packing. My +15 down sleeping bag fits in the 7x16 size. My -40 down fits in the 10x21" sack, and the -15 fiber bags also fit in the 10"x21" sacks. Both down bags will fit in my internal frame pack, but the fiber bags are too large, even with the stuff sack.
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You've already seen my filing trunk that I revealed last week which helped with papers and organizing for my desk area. Now I am excited to reveal my hide-away printer!
My husband and I hang almost all our clothes so we weren't making the most of our Hemnes Ikea dresser and I did not want a big printer out in the open in my "office area" since it's right in our Master Bedroom. So I did a complete make-shift DIY project and turned one of the drawers into a fold down hide-away printer area. Then I used the drawer above it to store all my extra office goods like paper, scissors, pens, paper clips etc…
I don't have the best tutorial and how to pictures for this project because it was COMLETELY make-shift as I went. I literally went to Lowe's and bought like 20 different items I thought may be able to help me make it work, came home dumped them all out and started at it.
My {sort of} How To Turn a Drawer into a Hide-Away Printer
If you're familiar with the Hemnes dresser from Ikea you know that the drawer fronts are attached with wooden dowels and two metal screws. I removed all the pieces allowing the front panel piece to be free-standing.
Next, the particle board bottom is grooved into the front panel piece so in order for it to be able to fold down and back up the bottom board couldn't go into that groove anymore so I just used an x-acto knife and cut it off.
Out of all the goods I bought these were the two that ended up being what I used. I used three 2&half" utility hinges and a right hand and left hand support hinge.
I don' t have any pictures of how I went about attaching this all together because it was one big hot mess.
For each hinge (one on the far left, on the far right, and in the exact middle) I cut away a part of the bottom so the center of the hinge would sit in that area. Then supporting the front panel laying flat open, I screwed the hinge into place into the bottom drawer piece and the front panel. The bottom particle board is very thin so the screws of the hinge stick out through the bottom. To be sure they didn't rip back out I used a size 6 washer and bolt on the underside of the drawer to help secure the hinge into place.
I wish I had a few more pictures and better descriptions of what I did but from this picture I hope you get the idea of how it's composed together.
The last and final step drilling a small hole in the back of the drawer (through the bottom) to feed the power cable through to the printer. Our printer is wireless which I would imagine is crucial in being able to do this for your own project. The only cable leaving our printer is the power cable which made this a convenient project to do.
As mentioned I use the drawer above the printer drawer to store the remainder of my office needs that would typically go into your desk drawer. Now our Hemnes dresser is a fully functional piece of furniture in our bedroom as a half dresser – half office organizer!
Once again, here's another big sneak peek at our Master Bedroom reveal, and between this and my filing trunk post you've now seen all four walls of our room. I'm putting together a final master reveal and can't wait to show off all the little details. I am in LOVE with the big large frame that my best friend gave me that fit perfectly around our TV.
Using some books stacked on top of our DVR it helps blend in the DVR and DVD player as a collection. The big yelllow vase was a make over I showed here, and I love love love my big beautiful "S".
So what do you think!? Am I the only crazy enough one to go about such a "cosmetic" project for the sole purpose to hide a printer? This one came so close to becoming a big epic #fail but in the end it worked and I'm so happy!
Last final stage of my little office area will be hiding those cables! I haven't come up with any super great ideas yet so still working on that one.
Get Your Craft on Tuesday - Today's Creative Blog


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In the shade, she stood
with hopes estranged elsewhere
loneliness creeping in.
Written for Haiku Horizons prompt – Shade.
11 Monday Sep 2017
Posted Haikuin
In the shade, she stood
with hopes estranged elsewhere
loneliness creeping in.
Written for Haiku Horizons prompt – Shade.
Reflections... Past, Present, and Future
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text:
While you tend to be in short sleeve shirts when on the trail and in camp, it is always nice to have a good long sleeve shirt for cool evenings, or when the sun is beating down. The shirt should fit loose (so you can add a base layer underneath), breath, and dry fast.Bill's ChoiceI picked up a RailRiders Explorers Shirt at the Philmont trading post and find it to be the most comfortable shirt I own. One of the neat features is that it has tabs to hold the sleeves if you like to roll them up. I also find that this is a great shirt for my frequent air travel.
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Circa 1930
A vitreous enamel over sterling silver tobacco box lined in walnut. On this friendly hostess' tray is an array of smoking accoutrements, including a tobacco jar labeled "Porto Rico." Signed on the bottom by the New York maker E. F. Caldwell. Having losses to the enamel on one edge.
Ready to ship.
Overall: 1-1/8" h. x 2-3/4" w. x 3-1/2" d.
1 fixture total available.
On display at our 28th Street showroom.


text:
This page provides data from the catalog of type descriptions. The catalog is sorted alphabetically. Use the current identification link to go back to the main database.
Current identification/main database link:
sandbox compiled by the pforams@mikrotax project team viewed: 27-10-2020
Short stable page link: http://mikrotax.org/pforams/index.php?id=132646 Go to Archive.is to create a permanent copy of this page - citation notes


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Product Description
ABOUTEmozioni Luxury Sterling Silver and Rose Gold Plate Bead Bracelet
Select your delivery option at the checkout...
Standard UK delivery - £4.90
or FREE when you spend £70.
2 working days delivery time
This is sent via a Royal Mail 48 service. Delivery is usually made within 2 working days but can take up to 5 working days
Express UK delivery - £9.90
Next day delivery (if ordered before 2pm)
Order before 2pm Monday-Friday and receive your order the next day! Our express delivery is £9.90 and operates via ParcelForce. Enter your mobile number and you'll receive a text message with a 1 hour delivery slot from ParcelForce and your delivery will require a signature on delivery. ParceForce will deliver Monday – Saturday, this delivery option excludes Bank Holidays and Sundays. Please be sure to check our delivery page for details on any areas that cannot be reached on a next day service.
Standard USA delivery - $10.00
3-5 working day delivery from date of dispatch.
Standard Europe delivery - €10.00
3-5 working day delivery from date of dispatch.
Read more about our delivery service here


text:
Former Vanoc CEO John Furlong physically abused his first wife and raped a common-law partner, according to explosive new allegations contained in just-filed court documents.
Furlong is suing journalist Laura Robinson for a story she penned for the Georgia Straight last year, in which she alleged he was abusive toward native students at Catholic schools while a teacher in northern B.C. four decades ago.
Furlong, who launched a very successful public-speaking career after the Vancouver 2010 Games, has insisted the accusations were false and defamatory.
Robinson has now filed her response to Furlong's lawsuit, and it contains even more unproven allegations of abuse — both physical and sexual — against former students, as well as additional accusations that he was abusive toward his first wife and a second woman with whom he lived in a common-law relationship.
None of the allegations has been proven in court.
Through a spokeswoman, Furlong declined to comment Monday because the matter is before the courts.
In the past, he insisted he never abused students while a volunteer teacher in Burns Lake and Prince George from 1969 to the early 1970s.
He also alleged that Robinson, an Ontario-based investigative journalist, had a "personal vendetta" against him.
Robinson collected eight affidavits from former students who alleged Furlong was abusive to them for her article, and her court document denies the story was defamatory for a number of reasons, including the fact it was fair comment.
The new court document expands on the original allegations made in the Georgia Straight story with new accusations from Furlong's former students and wives. The document, filed Friday and provided Monday to The Sun by Robinson's lawyer, alleges:
Furlong accused Robinson of making no attempt to reach him for comment before the Georgia Straight article was published last September, but she details in the new court document her alleged attempts to interview him.
In the Georgia Straight article, Robinson noted that Furlong's memoir, Patriot Hearts, written after the 2010 Olympics, contained no mention of his time as a volunteer teacher in northern B.C. from 1969 to the early 1970s.
After the article was published, Furlong held a press conference to deny the abuse accusations and threatened to launch a lawsuit. He also described his time in Burns Lake as "brief" and "uneventful."
As a result of the press conference, Robinson said, other people contacted her with new allegations against Furlong, including his former common-law wife and someone who claimed to have witnessed Furlong's first wife being abused while they lived in the hostel in the Prince George high school in the early 1970s.
The Georgia Straight last week filed a separate response to Furlong's lawsuit, but did not raise any new allegations in its court document.
The weekly newspaper denied its article was defamatory and claimed the matter was fair comment and in the public's interest.


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text:
The Holy Kinship
From an altarpiece; originally the reverse of a panel depicting the Tree of Jesse (location unknown), from which it was split by 1898.
Attributed to Matthäus Gutrecht the Younger, German (active Konstanz), first documented 1506, died 1533/34
Made in Konstanz, Germany, Europe
c. 1500-1510Medium:
Oil on panelDimensions:
62 1/2 × 59 1/4 inches (158.8 × 150.5 cm)Curatorial Department:
European Painting
* Gallery 318, European Art 1100-1500, third floorAccession Number:
Cat. 720Credit Line:
John G. Johnson Collection, 1917
Social Tagsaltarpiece [x] christ [x] family [x] konstanz [x] northern european renaissance [x] saint anne [x] sibling [x] virgin mary [x]
[Add Your Own Tags]
This painting depicts the Virgin Mary's family on the side of her mother, Anne. According to medieval legend, Anne married three times. By Joachim, her first husband, Anne gave birth to the Virgin Mary, and by her second and third husbands, Cleophas and Salomas, she bore two other daughters also named Mary.
The Virgin, Christ child, and Anne occupy the center of the painting, with Joseph, Joachim, and the dove of the Holy Spirit above them. Mary Cleophae sits at the far right with her four children, and Mary Salomae is second from the left with her two children, Saints James the Apostle and John the Evangelist. The other figures include Anne's parents and sister and the Virgin's cousin Elizabeth, mother of John the Baptist. The reverse of this panel originally had a painted Tree of Jesse (now lost) showing the genealogy of the Virgin's family on her father's side.
Explore the Collections
* Works in the collection are moved off view for many different reasons. Although gallery locations on the website are updated regularly, there is no guarantee that this object will be on display on the day of your visit.


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Although more participants in defined contribution plans are from Gen Y or Gen X, boomers hold a larger percentage of assets, according to an analysis by MassMutual of retirement plans administered by the firm.
MassMutual announced Nov. 16 that 55% of participants in its plans were age 47 or younger; 41% of participants were between ages 48 and 66. The company administers plans for approximately 1.6 million participants.
There are several factors affecting the age distribution of MassMutual's DC participants, Steve LaValley, second vice president of market research with MassMutual's Retirement Services Division, told AdvisorOne by email on Tuesday.
"The biggest one is that there are more Gen Y workers in the workforce than in the past as they move on from school into the workforce, aided by a gradually improving employment market," he said. "Another factor, more specific to MassMutual, is that we have had record sales of retirement plans in the past couple of years and the retirement plans we have gained have had a younger demographic than our existing plan base."
Furthermore, older boomers are retiring, pushing the age distribution more heavily to younger groups, he added. In spite of that, boomers hold 61% of assets, while younger participants account for just 31% of assets.
"The biggest reason is they have been in their employer plans for a longer period of time, so they have experienced the benefits of market growth along with having had more years of savings (and employer contributions) than younger workers," LaValley said. They also tend to be in better financial health and are able to save more than younger participants, he suggested.
LaValley also said that despite many reports to the contrary, boomers in MassMutual's plans are taking appropriate steps to plan their retirement. "Boomers are far more aware of the shortfall between what they likely will need in retirement and what they have saved and often increase their savings within the plan to help close that gap," LaValley said.
Gen Y participants were the most likely to use age-based or risk-based options in their plans. Just under half of participants born between 1982 and 1995 used those types of investment products, compared with 30% of Gen X and 22% of boomers. Overall, age-based and risk-based products accounted for more than a quarter of defined contribution assets in the third quarter, an "all-time high," according to the firm.
In addition to young people's apparent preference for age-based and risk-based products, MassMutual also found differences in preference between genders. Women prefer age-based products to risk-based products by more than two and a half times. Men are more evenly divided, with a little over half preferring age-based products.
Average account balances grew for both men and women in the third quarter, but MassMutual found men's balances grew more. The average balance for men grew 4.17%, compared with 3.92% for women. In addition to higher balances, MassMutual found fewer people took loans against their DC plans: 1.7%, the lowest level in four years.
"Loans and hardship withdrawal requests tend to follow the economy in general," LaValley said, citing research from the Investment Company Institute indicating that loans and hardship withdrawals have fallen in 2012 as the economy improved. "Education also plays a significant role in the volume of participant loan and withdrawal rates. MassMutual Retirement Education Specialists, call center representatives and web tools provide participants with education to help participants make an informed decision before taking out a loan or making a hardship withdrawal. We believe that education has contributed to our relative low rate of withdrawals compared to the industry as a whole."


text:
In his own words: living with type 2 diabetes
Jim*, a retired engineer was diagnosed with type 2 diabetes eight years ago at age 65. He was alarmed by the initial diagnosis, but has been able to manage the diabetes with minimal medication, a balanced diet, and moderate exercise. Although retired, he is very active in his community, serves on several boards, and is very involved with family and friends.
What was your first sign that something was wrong? What symptoms did you experience?
I wasn't really aware of any symptoms. Every six months I have an appointment with either the heart doctor or my family doctor—I alternate between the two. They do blood work, and this particular time, my sugar came in higher than normal. The doctor set me up to participate in a training workshop at the hospital on type 2 diabetes.
What was the diagnosis experience like?
I was out of town when the doctor called with the results of my blood work, so my wife took the call. I think the doctor over reacted; but he wanted me to immediately attend the educational training at the hospital so I could learn how to take my readings, what they meant, etc. The workshop was led by several nurses and lasted two full afternoons.
What was your initial and then longer-term reaction to the diagnosis?
The initial reaction was a little scary. I did know that I ran kind of on the high side with my blood glucose, but I was always within the range. When the doctor called with the diagnosis, he put me on a 1,200 calorie diet, which was radical for a guy my size—I'm 6'4" . I felt much better about everything once I took the training at the hospital. Even the nurses at the training felt that the 1,200-calorie diet was unreasonable. They knew that if something were unreasonable, it probably wouldn't be maintained.
How do you manage type 2 diabetes?
I participated in the initial training at the hospital. Then, I bought the blood glucose reader, which I use every morning. My goal is to always keep my blood glucose under 150. Diet and exercise are the main ways to control and manage diabetes. In the summertime I get quite a bit of exercise; in the winter I don't. I'm not a walker, because I have bad knees. So I'm not very faithful about the exercise, especially in the wintertime.
I was never on a real restricted diet. I just cut back on sugar and fat.
I didn't take any medication for quite awhile. About two years after the diagnosis, my family doctor felt that my readings needed to be even lower, so I started taking Amaryl once a day. Then about two years ago I started taking Glouphage.
Did you have to make any lifestyle or dietary changes in response to having type 2 diabetes?
I have found that fat affects my readings as much as sugar. I've never gone on a strict diet, where I don't absolutely touch any of those foods, I have just minimized them in my diet. I eat much less chocolate than I used to.
My activity level hasn't really changed, other than I get more exercise in the summer than in the winter. I also keep a close check on my eyesight, so I go to the ophthalmologist once a year.
When I had radiation treatment for cancer, I had a terrible time healing. It's unknown if that was due to the diabetes or just the harsh affects of the radiation. However, it required me to have hyperbaric oxygen treatments to help the tissues to heal.
Did you seek any type of emotional support?
No, just the training at the hospital. It was a great program that supplied us with lots of literature. I didn't feel like I needed anything special.
Does having type 2 diabetes have any impact on your family?
It's affected my wife and how she has to cook. She gives me a hard time when I eat things I shouldn't.
What advice would you give to anyone living with type 2 diabetes?
Learn as much about it as you possibly can. Take advantage of any training program on how to manage diabetes. You can learn about equipment, diet planning, medications, etc. There is no question that exercise is very helpful. I feel so much better when I've been physically active and it keeps my glucose reading down. Try to get a reasonable diet that can be maintained. And finally, check your sugar regularly. Every morning before I eat is what works for me.
*Not his real name


text:
Braddock - Ivory/Light Blue/Gold
$ 30.00
All orders are generally shipped within 2-5 business days. You will receive an e-mail with a USPS tracking number as soon as your order is on its way.
Domestic orders are shipped via USPS First Class with a 3-5 day average transit time. A flat rate of $4 is charged at checkout.
Canadian orders are shipped via USPS First Class International with a 7-10 day average transit time. A flat rate of $8 is charged at checkout.
Orders to all other countries are shipped via USPS First Class International with a 14-21 day average transit time. In some cases, delivery can take up to 8 weeks. A flat rate of $12 is charged at checkout.
For international shipments, the buyer is responsible for paying any duties/taxes due upon arrival in the destination country.
Please double check to make sure your shipping address has been entered correctly. Refunds or replacements will not be issued for packages that are not delivered due to customer error.
If for any reason you are not happy with your purchase, please contact us and we will be happy to make it right! Returns and exchanges will be accepted within 14 days of your order's delivery date. Original shipping costs will not be refunded and return shipping fees will be paid for by the customer.
All custom orders, as well as orders for custom sizes (anything outside of 6.5"-8.5"), are final sale and non-refundable.
To be eligible for a return, your item must be unused and in the same condition that you received it. It must also be in the original packaging.
To complete your return, we require a receipt or proof of purchase.
Once your return is received and inspected, we will send you an email to notify you that we have received your returned item. We will also notify you of the approval or rejection of your refund.
If you are approved, then your refund will be processed, and a credit will automatically be applied to your credit card or original method of payment.
Late or missing refunds
If you haven't received a refund yet, first check your bank account again.
Then contact your credit card company, it may take some time before your refund is officially posted.
Next contact your bank. There is often some processing time before a refund is posted.
If you've done all of this and you still have not received your refund yet, please contact us at email@example.com.
If you would like to request an exchange, please contact us at email@example.com before mailing your item back.
To return your product, please mail your product to:
Allison Cole Jewelry
Attn: Nicole Recomendes
11 Eagle Drive Kingston, MA 02364
You will be responsible for paying for your own shipping costs for returning your item.
We do not guarantee that we will receive your returned item, so please consider using a trackable service and hold on to your receipt until your return has been processed.
-Gold plated clasp closure
-Gold plated spacer beads
-Hand wrapped thread detail
If you're looking for a snug fit, we recommend ordering 1/2" larger than your wrist size (i.e. if your wrist measures 6.5", choose size 7"). For a looser fit, 1" larger will do the trick.
If you need a size that is not listed, please choose "Other" and include it in the notes section of your order at checkout.
Packaging and Shipping:
All bracelets come packaged in a cotton muslin pouch for safe storing.
Your order will ship within 2-5 business days. You will receive a shipping confirmation with a USPS tracking number as soon as it's on the way!


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text:
Drainage : Marks of Depth, Puerto Barrios Region, Guatemala, 1988
- Description:
- Drainage : marks of depth for the Puerto Barrios region, Guatemala. This layer was vectorized from original hard copy 1:50,000 topographic maps produced from the early 1970s to the mid 1980s. Hurricane Mitch devastated Central America during the months of October-November of 1998. From 1998 to 2001 the US Geological Survey was involved along with other federal agencies in the reconstruction effort. The source CD consists of a compilation of GIS data layers and computer applications focused on hazard prevention and useful in municipal planning. Each dataset includes layers for a base area of one hundred square kilometers around the urban center of each municipality in the Hurricane Mitch project.
- Place(s):
- Guatemala, Izabal, Departamento de, and Puerto Barrios
- Subject(s):
- Bodies of water, Bathymetric maps, elevation, and oceans
- Format(s):
- Shapefile
- Year(s):
- 2002
- Held by:
- Harvard
|Click on map to inspect values


text:
Market Data Reports: Market share, Industry size & 5 years forecast
When you need a quick look at a market or accurate raw data intelligence to run your own analysis and reports, Mintel's market data reports provide the in-depth data you need to make key decisions. Whatever market you're targeting, you'll get all the information you need as data or summarised for your use.
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text:
If an Okanagan Valley road trip is on your to-do list this summer, make sure you have a plan of attack when it comes to visiting the ever-expanding list of British Columbia wineries. The valley boasts more than 70 producers and they stretch some 180 kilometres from the U.S. border to the southern end of Shuswap Lake.
The scenery is incredible and includes the pristine, 111-kilometre-long, bluegreen Okanagan Lake that occupies the lowlands, leaving some spectacular raised benches on both its east and west flanks that are now home to most of British Columbia's vineyards.
There has never been a better time to visit Okanagan wine country, at least since Major Hugh Fraser arrived to Okanagan Falls and Hawthorne Mountain in the early 1900s. Legend has it his mail order English bride had a quick look around and didn't stay long, pinning a note to the door that said "see you later." A century later, See Ya Later Ranch would become a thriving winery surrounded by a plethora of accommodations and dining establishments designed to entice visitors to stay for a few days.
The only question now is how to plan your visit.
Wine legislation doesn't officially recognize any sub-appellations of the Okanagan but we recommend you carve
up any visit and settle into one of four major subzones or regions. Key centres could include the Similkameen Valley, Oliver-Osoyoos, Okanagan FallsSkahaPenticton-Naramata-Summerland and Kelowna-Lake Country and north.
Today we look at a trio of Okanagan sub-zones and tie it all together with a selection of labels you can pick up as you explore the sub-region, winery to winery. It is a good exercise in geography and spending more time in a smaller region can help you get to know its people, terroir and wine in a manner that is difficult to duplicate in an urban wine shop.
At the southern entrance to the valley, the picturesque Hope-Princeton-Keremeos highway (Hwy. 3) passes through the spectacular Similkameen Valley before it empties out into the east end of the valley, over the mountains into the south Okanagan.
Just a glance at the accompanying list will tell you that regional touring is the only way to go. And we have barely scratched the surface -add to this list The Villa at Hester Creek, Carmelis Goat Cheese Farm, Manteo Resort Waterfront Hotel & Villas, The Hooded Merganser on the lake in Penticton and the new Summerland Waterfront Resort in Summerland. It's all happening in a valley Major Fraser could only have dreamt about a century ago.
Where: 1060 Poplar Grove Road, Penticton
Tel: 250-493-9463
Web: poplargrove.ca
There is a new landmark on Naramata Bench and it's going to be very popular, or dare I say "poplar," as in Poplar Grove Winery.
The winery and general manager Ian Sutherland have been around since 1993, when they were among the first five wineries on Naramata Bench and Poplar Grove was a small facility, with 2.5 acres. Later, a utilitarian box of a winery went up to better accommodate the winery's growing Monster label production.
Over the years, Sutherland managed his wines tightly, some may even say cannily, crafting a brand that was making a name for itself among the trade and aficionados - yet one that never had a lot of bottles to sell.
All of that changed in 2007 thanks to a huge injection of enthusiasm and cash from new majority owner Dr. Tony Holler. Holler and his wife Barbara bought three quarters of the business along with friend Barrie Sali. Sutherland has the remaining share and remains general manager and executive winemaker working with Stephan Arnason, who joined the winemaking team in 2008 along with renowned Bordeauxbased wine consultant Alain Sutre.
The Holler family brought 110 acres of vineyards to the deal that is the cornerstone of the Poplar Grove strategy moving forward. As their plans unfold, production will jump from 2,000 cases to 25,000 cases a year by 2013. The majority of that fruit will be sold under the winery's second label, Monster Vineyards, referencing Lake Okanagan's famed, if imaginary, Ogopogo water serpent.
The good news is the huge jump in vineyard land (60 per cent on the Naramata Bench and 40 per cent on the east bank of Osoyoos Lake in Oliver) means the original Poplar Grove labels have a world of grapes to choose from, including much warmer sites down south in the Oliver region where Syrah and Cabernet have the best chance of ripening most years. The production of the Poplar Grove home estate brand will increase modestly, but most of the desired change should be in an increased jump in quality from the larger vineyard base.
For consumers, the most immediate benefit is a beautiful new showpiece visitor centre and production facility tucked into the southern end of Munson Mountain above Penticton. The gorgeous concrete and wood facility (checkout the beautiful doors made from reclaimed wood from the Osoyoos fruit packing plant) officially opened July 18, although it's pretty much complete as you read this.
If you stop by, and you should, you may be surprised to find only six wines, but as it is with most things in life, it's not the quantity that counts. Two whites -a Chardonnay and a Pinot Gris -set the stage for the winery's four red labels: Merlot, Cabernet Franc, Syrah and a stand-alone Bordeaux blend labelled The Legacy.
Over the years, the wines and the winemaking have grown to produce cleaner wines and mostly, softer tannins. The reds are held back a considerable amount time compared to the valley average, and like most Okanagan reds, they benefit from extra time in bottle.
The winery boasts a long list awards but from my point of view, the future is now. Judging by the new 2009 Reserve Chardonnay and its fresh, mineral, demeanour and the 2008 Syrah that was the only Canadian wine to capture a gold medal at the 2011 Decanter World Wine Awards, Poplar Grove is well on its way to establishing itself as a midvalley must stop winery and a leading producer on the Naramata Bench.
The southern Okanagan has really pulled up its socks in the past five years with major restaurants now open at Burrowing Owl (The Sonora Room), Tinhorn Creek (Miradoro,), Nk 'Mip cellars (The Patio), Hester Creek (Terrafina). Add to that the Spirit Ridge Vineyard Resort & Spa and its wine-country inspired restaurant Passo Tempo, and you have a lot of choice. It's the dry, warm south that is responsible for some of the biggest reds in the province.
Blue Mountain: Chardonnay Reserve, Pinot Noir Reserve
Burrowing Owl: Cabernet Franc
Cassini Cellars: Syrah Collector's Series
Clos du Soleil: Signature
Desert Hills: Syrah
Fairview Cellars: Two Hoots
Gehringer Brothers: Ehrenfelser, Riesling, Riesling Icewine
Herder: Josephine
Hester Creek: Trebbiano
Moon Curser: Afraid of the Dark
Nk'Mip Cellars: Qwam Qwmt Chardonnay, Meritage
Quinta Ferreira: Syrah
Tinhorn Creek: Oldfield Series Syrah, 2Bench Oldfield Collection White
Young & Wyse: Collection Merlot
Moving north of Oliver and McIntyre Bluff, considered by growers to be the true dividing line between the north and south Okanagan, you begin to enter the central Okanagan and its many subzones.
At Okanagan Falls, See Ya Later Ranch has a patio view to die for. To the northeast Blue Mountain, Wild Goose, Stag's Hollow and Meyer Family Vineyards beckon. North of Okanagan Falls on Penticton's Skaha Bench, Blasted Church, Painted Rock, Pentage and more await your visits.
There are now plenty of dining options on Naramata Bench at Hillside Vineyards Bistro, Lake Breeze The Patio and The Restaurant at Red Rooster Winery and you can take your pick of several hotels including the Penticton Lakeside Resort, Convention Centre & Casino, the Naramata Heritage Inn & Spa and the Ramada Inn.
Blasted Church: Hatfield's Fuse, Syrah
Hillside: Mosaic, Pinot Gris
Joie: Muscat
Kettle Valley: Old Main Red
Lake Breeze: Pinot Blanc
Laughing Stock: Portfolio, Blind TrustWhite
Meyer Family: Chardonnay, Pinot Noir
Nichol: Syrah
Noble Ridge: Chardonnay
Painted Rock: Syrah, Chardonnay
Pent‰ge: Viognier
Poplar Grove: Chardonnay Reserve, Syrah, The Legacy blend
See Ya Later: Brut
Stag's Hollow: Sauvignon Blanc, Renaissance
Therapy: Superego
Township Seven: Syrah, Merlot
Thornhaven: Gewurztraminer
Across the lake and moving farther north, the heat moderates and the vineyards play home to British Columbia's cool climate varieties. The three Pinots: Blanc, Noir and Gris compete with Riesling, Chardonnay, Sauvignon Blanc and Ehrenfelser offering classic aromatic wines. Summerland is quickly becoming a wine town with its Bottleneck Drive wine route and covey of wineries including 8th Generation, Dirty Laundry, Silkscarf, Thornhaven and the original Sumac Ridge. The Vanilla Pod and Local Lounge and Grille are must stops for food and wine fans.
No Okanagan visit is complete without a stop in West Kelowna, where Mission Hill Family Estate and Quails' Gate wineries are fixtures. The former boasts a terrific al fresco lunch or dinner at The Terrace while the latter is offers lunch and dinner year round at the Old Vines Patio & Restaurant. Both set valley standards for tasting room experiences. Kelowna proper boast the likes of Tantalus, CedarCreek, Summerhill, Camelot and Gray Monk. While you are in the hood, be sure to visit two of the best restaurants in the valley: RauDZ Regional Table and the Vineyard Terrace Restaurant at CedarCreek.
Arrowleaf: Solstice Gewurztraminer
Calona Vineyards: Sovereign Opal Artist Series
Camelot Vineyards: Pinot Gris
CedarCreek: Ehrenfelser, Platinum Malbec
Ex-Nihilo: Pinot Gris
Gray Monk: Pinot Gris
Mission Hill: S.L.C. Sauvignon Blanc Semillon, Perpetua, Quatrain
Quails' Gate: Chardonnay, Pinot Noir Reserve
Summerhill: Pyramid Ehrenfelser Tantalus: Riesling


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When the time comes for retirement plan sponsors to develop a new 401(k), it's all about communication and education.
So says Diversified Retirement Corp. in a new white paper, "Effective Communication Begins With Purposeful Plan Design," released Monday by the Harrison, N.Y., retirement plan provider.
The paper includes four best practices to help sponsors ensure that their 401(k) or other retirement plans are truly designed to help employees achieve their savings goals.
"Effective participant communication is essential to a successful retirement savings plan, but not even great communication can make up for poor plan design," said Patricia Advaney, Diversified's senior vice president of participant solutions, in a statement. "To communicate with purpose and positively impact participant behavior, plan sponsors must review their plans on a regular basis to ensure all features are working in tandem to support key objectives."
And, according to Diversified, learning to understand and shape participant behavior is essential for plan sponsors who want to help employees save for a well-funded retirement.
Here are four ways to make that happen:
1) Implement automatic enrollment to optimize the benefits of your plan.
More than half of all plans that automatically enroll employees use a default deferral rate of 3% or less.
"Don't follow the crowd," says Diversified. "Instead, consider setting a default rate that is at least as high as your current opt-in rate and integrate automatic escalation to improve participants' retirement readiness over time."
2) Design employer contributions to maximize your plan's objectives.
Studies have shown the impact of matching contributions on savings rates. But despite what those studies say, many sponsors default to standard formulas such as a 100% match up to 3% of pay or a 50% match up to 6% of pay.
"If increasing the average savings rate is a key goal for the plan, consider extending your match to 25% up to 12% of pay," Diversified suggests. "In many plans, the rate at which the match is maximized is the most commonly chosen participant contribution rate. Stretching this incentive will likely result in higher savings rates."
3) Narrow the number of investment options you offer to employees. The number of available investment options is directly related to participation, according to the latest retirement research. Plans that offer 10 to 14 funds have the highest participation rates, but participation rates decline as more funds are added.
"While retirement professionals may appreciate the subtle differences among asset allocation plans, target date funds and one-decision investing solutions, the average participant does not," Diversified says. "For many participants, more options implies more work."
4) Limit the loans! Eighty-seven percent of all retirement plans offer loans and 47% of plans offer multiple loans.
"If your plan is falling short on average balances, loan activity is likely to be at least partly to blame," Diversified warns. "If improving employee retirement readiness is a business goal for the plan, why not consider a change to plan design to limit—or eliminate—plan loans?"
Want a copy of "Effective Communication Begins With Purposeful Plan Design"? E-mail your request to: [email protected].
Read The Fight Over 401(k) Fees at AdvisorOne.


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You can find a health and fitness section in just about every newspaper, magazine, website and bathroom stall advertisement you see. Most health sections worth their electrolytes offer a daily health tip, usually a satisfying pat on the back rather than an admonition to shape up.
A good number of those factoids dictate what foods you should eat. These are especially satisfying because they involve adding food to your diet.
They're also easy to forget, because every food imaginable seems to get its picture in the paper. Foods that are traditionally considered indulgent or lacking in nutrition are occasionally revealed as lifesavers, making the Fun Food Fact even more confusing: If wine and chocolate really are health foods, you might ask yourself, why am I watching my diet so carefully?
Do the benefits of said health foods always outweigh the downsides?
Here are five foods you might want to get the full story on, from soup to nuts ...
No. 5: Soup
Mm-mmm good.
Soup is one of the original health foods, people think. You sip it when you're sick, and it inspires people to write sappy inspirational books. We feed it to homeless people, and it has the potential to be delicious and low-calorie.
But dieters should be aware of exactly what's in the ladle, says Georgia Kostas, nutritionist and author of "The Guilt-Free Comfort Food Cookbook."
That's because soups can easily hide unhealthy amounts of sodium and fat.
"One that immediately comes to mind is tomato basil soup," Kostas said. "It is so popular. It's got tomatoes, so people think it's healthy. But many restaurants make it with a cream base. If it's got a cream base, it can be very high in calories, so you're getting much more fat than you need."
No. 4: Fruit juices
If you've made an effort to give up soda, you might be reaching for fruit juice instead.
Do you know what percentage of it was once attached to a tree? Kostas says that number makes all the difference.
"If it's 100 percent fruit juice, then it is a good product, but you have to make sure it doesn't have added sugars to it," she said.
That means no high-fructose corn syrup, which is often the first ingredient in bottled juices.
"It looks like fruit juice, but you have to check the label. It might only have 10 percent juice," Kostas said, making it only slightly more healthy than your former daily can of orange soda.
No. 3: Energy bars and drinks
Page through any fitness magazine and you'll begin to see a pattern in the advertising. Words like "power," "fit," "edge," "endurance" and "energy" are splayed across the rippling muscles of men and women covered in inexplicably attractive sweat beads.
The man has just finished the Ironman. The woman came in ahead of him. If you eat the same energy bar they do, you must be doing something right, the ads say.
Perhaps, if you actually require a vast amount of energy. But be especially diligent when tossing what Kostas calls "glorified candy bars" into your cart. "People think they are (healthful) because they look at the ingredients and see vitamins and minerals added," she said. "But often the first ingredient is sugar."
The first ingredient should always be a whole grain and sugar one of the last, Kostas said.
Energy drinks, too, are usually suspect: "Many times, it's just caffeine and sugar," Kostas said.
No. 2: Oils
Over the past several years, every food expert from TV chefs to the Italian grandmothers on spaghetti sauce commercials have been proclaiming the benefits of natural oils.
Olive oil has gotten the most promotion, although avocado, almond and sunflower oils are becoming increasingly easy to find.
But watch the spout -- too much any of these can add up very quickly, Kostas warned.
"Limit it to maybe 1 tablespoon for your whole dinner. Many people think the more the better, and end up getting one-fourth of a cup, adding 500 calories instead of 25 to their dinner."
When it comes to oils, even the "healthy" ones, less is definitely more. And the same goes for our last "healthy" food selection.
No. 1: Nuts
Just as with oils, the key to keeping this seemingly innocent party food in the healthy category is moderation.
"This is definitely one case where more is not necessarily better," Kostas said. Almonds, for example, are high in vitamin E and magnesium and contain very little cholesterol.
But 1 ounce of almonds -- dry-roasted, with no salt -- contains 170 calories and 15 grams of fat. Kostas said one-quarter cup a day may be fine, or even less.
"But not a whole cup," she said. "Many people overdo nuts."
Overall, most of these foods are, in fact, healthy. But keeping them on the "good for you" list requires a bit of restraint, measuring and reading of ingredient lists, where, unlike the health section, there's no stretching the truth.


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Everything will be tracked in the near future
If Big Brother - or at least Little Cousin, aka your smartphone - isn't watching yet, he soon will be.
That seemed to be the underlying message of Sunday night's CES Unveiled, one of the opening events of the Consumer Electronics Show here. The event serves as a microcosm for the giant confab, highlighting companies and products that often rank among the show's highlights.
On display at Unveiled were numerous products that will monitor things ranging from users" heart rates to the sump pump in their house. Taken together, the vision of the technology industry was clear: everything you do and everything that happens in and around your home is going to be tracked.
Some of this monitoring - at least on an individual basis - is benign enough and many consumers might find it useful. Many fitness buffs like to keep track of how much they are exercising and the impact of their workouts. I already keep track of my daily dog walks, for example. And knowing whether or not you've remembered to lock the front door or close the garage could be a real stress reliever.
But some of the products on display had more than an edge of creepiness. Mother, a new product from Paris-based Sen.se, is being compared to real-life mothers. They know "everything without needing to ask," the company noted on its Web site." "Who knows you better than your mother?"
But unlike your real life mother, the Mother is programmable. And through the use of so-called cookies - paper clip-sized motion sensing plastic chips - Mother truly can keep track of a lot more things than your real mother can.
In its marketing materials, Sen.se gives some examples. Mother can track how many shots of espresso you drink. It can tell who is in the house at any one time. It can keep track of how long and how often you brush your teeth. It can tell when the refrigerator door is open - and infer who is snacking between meals.
Maybe you want to keep on top of all those things and more. As for me, I'm more concerned about who else might have access to that data and what they might want to do with it.
Sen.se says that all data generated is "yours and only yours." But if it's available online - and it looks like it will be - there's a chance that it can leak out.
But Mother wasn't the only thing at Unveiled that offered an undertone of creepiness. Withings at the show was touting the Aura, a system that tracks your sleep patterns and purports to help users get a better night's rest.
The system features a motion sensing monitor that you lay on your mattress. The monitor can detect your breathing cycles, heart rate and movements. Through that, Aura can infer what sleep cycle you are in. It can use that information to adjust the lights in an included tabletop gadget or to delay when your alarm clock sounds.
Sound good enough, right? But the same technology could easily be used to track your sexual activity as well. That's something that many people are more sensitive about - and not something they necessarily want to share with a big corporation.
There was also Allure Energy's EverSense thermostat. It's sort of like Nest's smart thermostat, in that it can automatically adjust the temperature in your house based on your schedule. But EverSense goes a step farther. Working with a smartphone app, it can tell where the occupants are and automatically turn on the AC when they get close to home or turn it off when they leave.
Again, it's not necessarily a bad idea. But there are obvious security concerns. Who gets to know when users' are away from home? And how well is that data protected?
This all-tracking-all-the-time future would have been disturbing enough a year or so ago. But that vision is all the more unsettling given the revelations from former National Security Agency contractor Edward Snowden that the nation's electronic spy agency is already surreptitiously sucking up vast amounts of data, has compromised many of the most popular methods of securing and transmitting Internet data and has been keeping track of everything from who people are calling to where they are located to what they are doing in virtual worlds.
Indeed, the industry and its advocates seem tone deaf in the wake of those revelations. When asked at a press briefing Sunday about how the Snowden revelations might affect the market for technology products, representatives of the Consumer Electronics Association, which puts on CES, downplayed their import, saying they'd likely have little or no effect.
Shawn DuBravac, the CEA's chief economist, responded to the privacy concerns with a well-used industry argument. Consumers have shown they are willing to trade some of their privacy if they get a better service or a "richer experience," he said.
"I haven't worried about it too much," DuBravac said, regarding the idea of sharing some of his private information with tech companies in exchange for services. Then, flippantly, he added, "I guess I'm not as interesting as everyone worried about privacy must be."
What DuBravac's comments ignore is what has become clear from the Snowden revelations - that by collecting data about consumers, tech companies are often making that data available - whether they realize it or not - to security agencies. And it's not about companies collecting one or two bits of information on citizens. It's the aggregate data they're collecting that can be used by both marketers and the government to create virtual dossiers.
And despite his comments, there are already indications that the Snowden revelations are indeed having an effect on the market. Cisco, for example, said recently that the revelations have hurt its sales. There are also indications that young people - who tech industry folks like to claim have no interest in privacy - are losing interest in Facebook and taking affirmative steps to protect their privacy.
So while tech companies may be eager to sell the "everything monitored future," it's not clear that consumers are going to buy in.


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AIG Life and Retirement's Advisor Group (AIG) said early Monday that it completed its purchase of Woodbury Financial Services from The Hartford. The companies had first agreed to the deal in late July.
Woodbury Financial adds about 1,400 advisors and $25 billion in assets under management to the Advisor Group's network, which includes FSC Securities Corp., Royal Alliance Associates and SagePoint Financial.
With Woodbury, the Advisor Group says it now includes over 6,000 independent financial advisors, more than 800 home-office employees and over $125 billion in assets under management. (That represents average AUM per advisor of $21 million.)
"We are delighted to add Woodbury Financial to our organization and are confident that we will grow the firm by highlighting Woodbury's unique value proposition to high quality advisors," said Larry Roth (left), president and chief executive of Advisor Group, in a statement. "Each of our broker-dealers has recruited a number of advisors this year and we remain eager to bring more talent to Advisor Group."
Woodbury is based in Oakdale, Minn., where it has about 200 staff members. Royal Alliance is based in New York, while FSC has its offices in Atlanta and SagePoint in Phoenix.
"Our advisors are very excited to be part of Advisor Group," said Patrick McEvoy, president and CEO of Woodbury Financial, in a press release. "From the hands-on service to industry-leading technology to unique opportunities for growth, I'm confident our advisors will benefit greatly from our affiliation."
Acquisitions continue to be critical to players in the independent broker-dealer (IBD) field, as is aggressive recruiting and sales growth.
In early November, First Allied Holdings said it planned to buy the Legend Group from Waddell & Reed (WDR). The transaction should close in January.
Joel Marks, chairman of First Allied Securities, says the combined entity will include about 1,500 independent advisors with some $30 billion in assets under administration. (First Allied now includes about 1,000 independent financial advisors, while Legend has roughly 450 reps, who focus on the 403(b) retirement marketplace.)
"We look to combine the best of both worlds," Marks said in an interview with AdvisorOne after the deal was announced. "Margin compression in this business is getting bigger, so you have to grow. It is not an option … We can help our advisors and theirs grow their respective businesses and fuel same-store sales growth on both sides, too."
According to McEvoy, the average level of production, or yearly fees and commissions, for its advisors was about $170,000 in 2011. Reps in the Advisor Group's three IBDs have average production levels of about $170,000 to $180,000 a year, according to Roth.
Overall Advisor Group production breaks down as follows: 35% of sales come from fee-based activities and less than 5% is insurance based, Roth said earlier this year. About 12% of Woodbury advisors' sales are fee based.
Check out other stories related to Woodbury purchase at AdvisorOne:


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John W. Ransom
Raymond James & Associates
This morning [Nov. 6] CVS Caremark (CVS) reported amortization-adjusted 3Q12 EPS of $0.85, ahead of consensus ($0.83, ex-one $0.97 outlier) and above the high end of provided guidance ($0.81-0.83). As expected, CVS reported strong performance in the retail segment as the company continues to benefit from the Express Scripts network changes as well as robust generic performance, with retail EBIT (earnings before interest and taxes) growth of 16.2% versus 15.0-17.0% guidance (our estimate was 16%).
That said, the upside in 3Q was driven by robust performance in the PBM (pharmacy benefit manager) segment and was ahead of previously provided views, with profits increasing 19.3% (4.0-7.5% goal; our estimate was 5.5%).
As expected, management raised 2012 EPS guidance by $0.05 at the midpoint to $3.38-3.41, implying 4Q12 of $1.07-1.10, in line with the $1.08 consensus outlook, with management now expecting at least 60% Express Scripts retention (up from 50% previously).
Net-net, 3Q12 results confirm solid execution out of CVS, and we would expect this trend to continue as the company further benefits from generic growth and leverages recent PBM investments; that said, we acknowledge relative outperformance year to date and likely broader concerns surrounding replicating 2012 success in 2013 (guidance expected in December).
Implied 4Q12 guidance in line, could prove conservative: CVS raised 2012 EPS guidance by $0.05 at the midpoint to account for the 3Q outperformance and greater Express Scripts retention (new range is $3.38-3.41). Consensus stands at $3.37.
David Whiston, CFA, CPA, CFE
[email protected]
Toyota Motor Corporation (TM) reported second-quarter fiscal 2013 results [on Nov. 5] that gave investors reason to be optimistic for the rest of the fiscal year. We are leaving our fair value estimate unchanged. Although management lowered its fiscal 2013 revenue guidance to Japanese Yen (JPY) 21.3 trillion ($261.4 billion) from JPY 22 trillion ($27.4 billion), operating income guidance increased to JPY 1.05 trillion ($12.4 billion) from JPY 1 trillion ($12.4 billion) while earnings per share guidance increased to JPY 246.3 ($3.06) from JPY 239.99 ($2.99). The rate guidance for the second half of fiscal 2013 is for JPY 78/dollar, which we think is reasonable, given current spot rates, and could end up being conservative.
Toyota's cost-reduction efforts are paying off despite major uncertainties in China and Europe. The prior year's second quarter was an easy comparable because of the impact of the earthquake in March 2011, but we still found [recent] results encouraging.
Second-quarter revenue increased more than 18% to JPY 5.4 trillion ($67 billion) from the prior year's quarter, while gross margin excluding the captive finance arm increased 430 basis points to 13.6%. Higher volume also helped Toyota absorb more of its fixed costs as selling, general, and administrative expense as a percentage of sales declined 80 basis points to 9%.
This currency headwind was better than the JPY 40 billion ($498 million) headwind in the first quarter. Management's cost-cutting efforts and new product rollouts in the United States, such as the new Avalon and RAV4, led management to be more optimistic than three months ago, and we agree.
Zacks Investment Research
Toyota occupies the No.1 spot in hybrid offerings. Since 1997, the automaker sold more than 3.4 million hybrid vehicles until December last year. It expects to launch as many as 10 more gasoline-electric models by 2015 and offer a fuel-sipping option across its entire line-up by 2020. The automaker dominates the hybrid market with its Toyota and Lexus offerings as well as the Prius hybrids, introduced in 1997.
Last year, Toyota launched the revamped version, Prius Alpha, in both 5-seater and 7-seater versions. Furthermore, Toyota will start delivering the plug-in (PHV) version of Prius hybrid that poses a significant threat to Nissan Motors Leaf electric car and General Motor s Volt PHV.
It also launched the world's best fuel-efficient gasoline-electric hybrid car in Japan, known as Aqua. The car, which will be marketed in the U.S. as Prius C, delivers 35.4 kilometers per liter (83.3 miles per gallon), beating the mileage of the current Prius model that gives 32 kilometers per liter.
Christopher Ferris
Noble Financial Capital Market
[email protected]
1-800-Flowers reported solid revenue growth in its key Consumer Floral and BloomNet [Wire Service] business, exceeding our estimates. Consumer Floral posted its 7th straight quarter of growth at 4%, an acceleration from the prior quarter and coming against a very challenging 12% comparison. BloomNet revenue accelerated to 7% growth-based on the continued market penetration. Gross margins expanded across the board, and the company posted EBITDA and EPS results largely in-line with our estimates and consensus.
We encourage investors to consider FLWS shares at their current, attractive level ahead of the holiday season and the prospect of improving gifting results. Our $5 price target implies nearly 50% upside from current levels.
Daniel L. Kurnos, CFA
Benchmark Company
[email protected]
1-800-flowers.com (FLWS) reported F1Q13 (September 2012) revenue of $120.9 million, up 3% year-over-year (y/y), exceeding consensus and our estimate of $120 million on strength in Consumer Floral despite the absence of any major gifting holidays.
Importantly, guidance of mid-single digit revenue and double-digit cash flow and EPS growth was reiterated.
We think these results, along with the reiterated guidance, confirm that Flowers remains on a positive long-term growth trajectory, with shares attractively priced at under four times calendar 2013 enterprise value (EV)/EBITDA.


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Users Repositories
From Openmoko
For information about the official downloads and distributions, see Download. A Community Repository hosted by Openmoko Inc. was setup in August 2008.
|WARNING: Never add feeds which are not for your installed distribution. Mixing feeds will break your system.
Angstrom Repository
Angstrom is the base distribution of Openmoko Linux distribution. It contains the basic set of Linux applications and they should be compatible with Openmoko. The repository package listing.
To add the unstable Angstrom feed, update your /etc/opkg/base-feeds.conf to include a line:
src/gz base http://www.angstrom-distribution.org/feeds/2007/ipk/glibc/armv4t/base
On Om 2008.8, run the following commands from the Neo:
echo "arch base 50" > /etc/opkg/angstrom-feed.conf echo "src/gz base http://www.angstrom-distribution.org/feeds/2008/ipk/glibc/armv4t/base" >> /etc/opkg/angstrom-feed.conf
This repository contains the following useful packages:
- Pidgin - Instant Messaging. Can connect to MSN, Google Talk, Yahoo, ICQ with additional plugins
- Minimo - Web Browsing. AJAX capable, based on the Gecko rendering engine
- Navit - Car Navigation with Routing Engine
Jalimo is a project to maintain a full featured free Java-like stack for mobile Linux-based devices. The aim is to pack and tailor existing JVM-related projects, as well as to develop APIs and tools for easy integration and development for the target platforms.
OpenMoko provides most of Jalimo's packages through their own repository, but some packages have not been merged yet and are available through Jalimo's repositories. Run the following two commands to add them:
echo "src/gz jalimo http://jalimo.evolvis.org/repository/openmoko/all" > /etc/opkg/jalimo-feed-all.conf echo "src/gz jalimo-armv4t http://jalimo.evolvis.org/repository/openmoko/armv4t" > /etc/opkg/jalimo-feed-armv4t.conf
unsatisfied libgcc-s1 dependency: Currently you will get an error when installing OpenMoko packages from our repository since Jalimo is using OpenEmbedded's .dev branch to built the packages but OpenMoko is not. A workaround is to add -force-depends to the opkg command until we figured this out: opkg install -force-depends classpath
- http://chooseopen.com/openmoko/build/2007.2/?M=D (2007.2)
- http://chooseopen.com/openmoko/build/qtopia/?M=D (Qtopia)
- Latest recommended snapshot review
ScaredyCat also has a opkg repository for 2007.2 where e.g. gpe-filemanager and a lot more (e.g. ntpd) can be installed from. On the Neo do:
cd /etc/opkg wget http://buildhost.automated.it/scaredycat.conf opkg update opkg install gpe-filemanager opkg install gpe-timesheet opkg install gpe-todo opkg install mysql opkg install mtpaint opkg install sqlite opkg install ntp #(you get the idea) /etc/init.d/xserver-nodm restart # to make the new applications appear in the menu
Here you will find the project which are related to the MokSec (OpenMoko Security) project. The packages works under FSO, but have to work also on other distribution.
To add the repository to your Neo use the following command:
echo "src/gz moksec-testing http://opkg.networld.to/moksec/testing" > /etc/opkg/moksec-testing.conf
mwester unofficial builds
Celtune offers Standard-Builds (.jffs2, .tar.gz, .bin, .ipk) and several special-images with additional packages (e.g. monster-images,navigation-images,...)
For more info take a look at http://rabenfrost.net/celtune/1-NEWS-WARNING-INFO
You can find images, kernels and packages for other devices too on http://rabenfrost.net/celtune/ (e.g. HTC-Blueangel, Asus730W ...)
A huge number of packages is located at http://rabenfrost.net/celtune/ipk/
Use the following line to add celtune's feed to your neo:
cd /etc/opkg && wget http://rabenfrost.net/celtune/celtune-rabenfrost.conf
The official feeds can be found at http://downloads.freesmartphone.org/ . The hosting is with thanks to our friends at NSLU2-Linux and Open Source Labs.
Jec hosts automatic IPKG builds for Openmoko on a dedicated server (P4 3.2 GHz) connected directly to Internet. Interested maintainers can contact Jean-Eric Cuendet < ml.jecuendet at gmail.com > for an account. Packages are at : http://alf.pticoli.net/openmoko/ . Created 9/9/2008, so I would not add it as a feed but opkg install URL.
Repository for Gtkaddpoi, Gpsdcontrol, TwitterMoko, OpenVibe, I'm Rich and Yaouh!.
cd /etc/opkg wget http://minucci.net/file/gecco-feed.conf
If you want to add a link, it would be nice to enforce a standard format of these feeds so that they can be browsed automatically.