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Here you can view any of the individual WAVEWATCH III® graphic products
generated during the last six model runs. Simply follow the steps and
click to choose the Model, Forecast Zone, Model Run Time, Product, and then click
on a Forecast Time (0 is the nowcast, negative times are hindcasts, positive
times are forecasts). Buoy information for the selected region is also given
in the form of spectral plots, source term plots, and Spectral Bulletins.

subset: commoncrawl


text:
For our full delivery information page please click here.
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CALL: +44 (0)1484 435271, EMAIL: firstname.lastname@example.com
VISIT THE STORE:CIRCLE 36-42 Westgate Huddersfield HD1 1NX


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Interior Landscapes Autobiographical Myths and Metaphors
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Minneapolis, MN, U of Minnesota Press, 1990, 1st Edition, Hard Cover, w/Dust Jacket, Size=5.5"x8.5", 279pgs, illus: 58 B/W Photos, Condition: Fine/Fine w/Dust Jacket, Clean, tight & bright. NO ink names, bookplates, DJ tears etc. ISBN 0-8166-1848-8. Subjects: Autobiography; Journalists; College Instructors; Community Activists; Tribal Mixed Bloods; Authors; (Book No. 094646).
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Dog food reviews
Member List
Dry Dog Foods
1 Star Dry Dog Food
Previous Product
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Bil Jac Puppy Food
Date of last review
Mon November 21, 2005
Recommended By
Average Price
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No recommendations
None indicated
None indicated
Fresh Chicken, Fresh Chicken By-Products (Organ Meat Only), Corn, Chicken By-Product Meal, Dried Beet Pulp (sugar removed), Fresh Chicken Liver, Brewers Dried Yeast, Cane Molasses, Eggs, Salt, Sodium Propionate (a preservative), DL-Methionine, L-Lysine, Vitamin A Acetate, Vitamin D3 Supplement, Vitamin E Supplement, Riboflavin Supplement, Niacin, Biotin, Choline Chloride, Folic Acid, Thiamine Mononitrate, Pyridoxine Hydrochloride, Ascorbic Acid, Vitamin B12 Supplement, Menadione Sodium Bisulfite Complex (Source of Vitamin K), D-Calcium Pantothenate, Manganous Oxide, Inositol, BHA (a preservative), Iron Sulfate, Copper Sulfate, Zinc Oxide, Cobalt Carbonate, Potassium Iodine, Sodium Selenite.
Guaranteed Analysis:
Crude Protein (minimum) 28%
Crude Fat (minimum) 18%
Moisture (maximum) 10%
Crude Fiber (maximum) 4%
Post a Reply
Registered: October 2005
Posts: 3953
Review Date:
Mon November 21, 2005
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| Rating:
First ingredient is a named meat product.
Uses by-products, low quality grains and other controversial fillers. Uses chemical preservative believed to be carcinogenic.
The first ingredient in this food is a named meat source. However, it is chicken inclusive of water content (about 80%) and once that is removed there is probably substantially less chicken in the food. The same applies to chicken liver (6th ingredient).
The next ingredient is by-products. Whilst we appreciate that the manufacturer states this comes from organ meat only, it is impossible to ascertain the quality of by-products and these are usually products that are of such low quality as to be rejected for use in the human food chain, or else are those parts that have so little value that they cannot be used elsewhere in either the human or pet food industries. We recommend avoiding any pet food using such ingredients. Chicken by-product meal is also used. That is a lot of by-products. The AAFCO definition of chicken by-products is consists of the ground, rendered, clean parts of the carcass of slaughtered chicken, such as necks, feet, undeveloped eggs and intestines, exclusive of feathers, except in such amounts as might occur unavoidable in good processing practice.
The main grain in the food is corn. Corn is difficult for dogs to digest and thought to be the cause of a great many allergy and yeast infection problems.
Beet pulp is another controversial ingredient it is a by-product, being dried residue from sugar beets which has been cleaned and extracted in the process of manufacturing sugar. It is a controversial ingredient in dog food, claimed by some manufacturers to be a good source of fibre, and derided by others as an ingredient added to slow down the transition of rancid animal fats and causing stress to kidney and liver in the process. We note that beet pulp is an ingredient that commonly causes problems for dogs, including allergies and ear infections, and prefer not to see it used in dog food. There are less controversial products around if additional fibre is required.
Cane molasses adds unnecessary sugar to the food, and is likely to contribute to yeast infections in dogs prone to those. We appreciate the use of eggs in the food.
BHA is a chemical preservative believed to be carcinogenic.
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Payday loans are available at ACE Cash Express and even customers with bad credit may be eligible.1 When you apply for a cash advance at ACE, all you need is ID, proof of income and a bank account. And every loan comes with a 72-hour satisfaction guarantee. So if you change your mind about your loan, just return it within 72 hours and pay nothing more!
The ACE Elite™ Prepaid Debit Card may be a great alternative to a credit card or opening a checking account. Get paid up to two days faster when you have your payroll check or government benefit checks direct deposited to your prepaid debit card.2 Use it wherever Visa® debit cards are accepted including online purchases and ATM transactions. You can also pay your bills online with the ACE Elite™ Card.
We cash most types of checks in any amount, even the hard to cash checks that other companies don't cash. Visit your nearest store to get cash in hand or load your money onto an ACE Elite™ Prepaid Debit card. Cash your checks with ACE and get quick service without long lines or the need for a bank account. Turn to ACE! Our convenient check cashing service doesn't require a bank account, so you can get your cash without the hassle.
ACE Store 4162
891 S Citrus Ave
Azusa, CA 91702
You will find our store at the northwest intersection of S. Citrus Ave and E. Arrow Hwy. Our location is a walk-in space with a reception area and plenty of free parking. Customers can conduct a variety of transactions like MoneyGram® or withdrawing cash from their ACE Elite™ Prepaid Debit Card within minutes. We have proudly served the community of Azusa since 2005.
Come visit us via Foothill Transit: Bus line #492 has a stop at East Arrow Hwy and Citrus Avenue West.
CVS Pharmacy, Arrow Shell gas station, and AutoZone are just a few businesses close by. If you are looking for a bite to eat, we've got you covered there too! Phang Roy Thai Cuisine and Tommy's are nearby places to dine.
Find an ACE Cash Express near you:
1. All loans subject to approval pursuant to standard underwriting criteria. Rates and terms will vary depending upon the state where you reside. Not all consumers will qualify for a loan or for the maximum loan amount. Terms and conditions apply. Loans should be used for short-term financial needs only, and not as a long-term solution. Customers with credit difficulties should seek credit counseling. Populus Financial Group, Inc. is licensed by the Department of Business Oversight pursuant to Financial Code Section 23005(a) of the California Deferred Deposit Transaction Law. Certain loans in California are made or arranged pursuant to Department of Business Oversight California Financing Law. Loans in Minnesota made by ACE Minnesota Corp. Loans in Texas arranged by ACE Credit Access LLC and made by, and subject to the approval of, an unaffiliated third party lender. Populus Financial Group, Inc. is licensed by the Virginia State Corporation Commission, PL-115. If applying online, loan funding requires verification of application information. Depending on ability to verify this information, loan funding may be extended up to two days. All loans subject to approval pursuant to standard underwriting criteria. In-store cash pickup is subject to approval pursuant to standard underwriting criteria. In-store cash pickup not available in all states. Online loans not available in all states. Populus Financial Group, Inc., 300 E. John Carpenter Fwy, Ste. 900, Irving, Texas, 75062, ST.760164.000
2. Faster funding claim is based on a comparison of MetaBank's policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor's support of direct deposit and is subject to the timing of payor's payment instruction.


text:
Latest Images
From Openmoko
This page is intended to summarize in one place the various images you can try out on your Openmoko Neo FreeRunner (GTA02) or 1973 (GTA01). Note however, that some of these are works in progress and may not have even released any files yet. Nothing is guaranteed to work. Proceed at your own risk.
Currently, the images in development include:
- The 2007.2 GTK Image that ships on the Freerunner
- The ASU (April|August Software Update) qtopia-based Image
- The FSO (FreeSmartPhone.org) Image
- Qtopia image from qtopia.net
- The SHR (Stable Hybrid Release) Image
- Copying a jffs2 image to ext2 to boot from microSD
- See Distributions for a chart comparing the features of the various images.
Michael Lauer's blog also has an entry comparing the distributions: GTK, ASU, FSO? TMTLA!
Instructions on flashing your FreeRunner or 1973 are provided at Flashing the Neo FreeRunner and Getting Started with your Neo1973, respectively.
2007.2 GTK Image
The latest most stable release should reside here: http://buildhost.openmoko.org/releases/Freerunner/
- You can download the latest daily builds here:
- For Neo FreeRunner http://buildhost.openmoko.org/daily/freerunner/
- Look for files of the form: Openmoko-openmoko-devel-image-glibc-ipk-P1-Snapshot-YYYYMMDD-om-gta02.rootfs.tar.gz
- and: openmoko-devel-image-om-gta02.tar.gz
- For Neo 1973 the link is http://buildhost.openmoko.org/daily/neo1973/
- Look for files of the form: openmoko-devel-image-om-gta01.tar.gz
- and: Openmoko-openmoko-devel-image-glibc-ipk-P1-Snapshot-YYYYMMDD-om-gta01.rootfs.tar.gz
- Tools, like dfu-util and openocd http://buildhost.openmoko.org/daily/tools/
- For Neo FreeRunner http://buildhost.openmoko.org/daily/freerunner/
Several videos of this stack by Youtube user freeyourphone and video review by BVB Tech
Users may have heard of "ScaredyCat" images. These are usable images created by Andy Powell and are currently based on the 2007.02 software stack.
Hey, all file names are with "gta01" ! Is this an error and they are gta02 (FR) ??
ASU (April|August Software Update) qtopia-based Image
There has not been a recommended release of the ASU yet. You may wish to review the ASU_Feature_Plan or some screenshots
- You can download the latest daily builds here:
- For Neo FreeRunner http://buildhost.openmoko.org/daily/freerunner/
- Look for files of the form: openmoko-qtopia-x11-image-om-gta02.tar.gz
- and: Openmoko-openmoko-qtopia-x11-image-glibc-ipk-P1-Snapshot-YYYYMMDD-om-gta02.rootfs.tar.gz
- For Neo 1973 the link is http://buildhost.openmoko.org/daily/neo1973/
- Look for files of the form: openmoko-qtopia-x11-image-om-gta01.tar.gz
- and: Openmoko-openmoko-qtopia-x11-image-glibc-ipk-P1-Snapshot-YYYYMMDD-om-gta01.rootfs.tar.gz
- For Neo FreeRunner http://buildhost.openmoko.org/daily/freerunner/
FSO (FreeSmartPhone.org) Image
Milestone 1 is here: http://downloads.openmoko.org/framework/milestone1/
Browse the source: http://trac.freesmartphone.org:8000/trac-example/browser
Learn more at its wiki page: OpenmokoFramework
Qtopia image from qtopia.net
Qtopia.net images for the
- Neo FreeRunner
- Freerunner flash image (qtopia-4.3.2-gta02-flash.tgz) <-- a tarball with both a rootfs and kernel
- and the root file system (ficgta02-qtopia-developer-rootfs.tgz)
- Neo 1973
- Neo 1973 flash image (qtopia-4.3.2-gta01-flash.tgz) <-- a tarball with both a rootfs and kernel
- Neo 1973 root file system (Link temporarily broken.)
- A Neo 1973 image is also available from here openmoko-qtopia-image-om-gta01.tar.gz
- Alternate download page
- You might also try ftp.trolltech.com snapshots
SHR (Stable Hybrid Release) Image
The Stable Hybrid Release (SHR) is intended to be a combination of the FSO, some of the 2007.2 GTK software, and the ASU that provides all of the functionality of the 2007.2 software, but with the stability of the FSO and the new GUI toolkits provided by the ASU. It will probably be based on an ASU build, with the FSO software and GTK end-user apps added.
The SHR doesn't exist anywhere but in a few people's heads at the moment (2008-07-05). Hopefully, all the work in it will be integrated back into one of the other releases, and it will cease to exist. The point is to get us a release with stable calls & suspend/resume, plus access to all those other nifty apps we had on 2007.2 and the ASU.
Learn more at its wiki page: Stable_Hybrid_Release
Copying a jffs2 image to ext2 to boot from microSD
If you want to copy a rootfs jffs2 to a ext2 filesystem on an microSD card, see this.


text:
Earthues natural dyes 2: cochineal: 10gm
This group of natural dyes are packaged in plastic pots with contents weighing 10g
Prices vary according to dye type
Small parcels up to 2kg within the UK are sent by Royal Mail first class delivery. Large parcels are sent by ParcelForce 48hour service. Parcels exceeding 1m will incur a £2.00 surcharge. If you would like to use a different service, please phone or email us to discuss the options.
The following delivery rates are based on the total weight of your order, including the packaging.
You are entitled to cancel your order and return the goods within 7 working days for a full refund, including the cost of delivery. Do this by contacting us by email or telephone and quoting the order number supplied to you. Your refund will be paid within 30 days. You are responsible for the cost and risk of loss or damage when returning the goods, so you should take out enough postal insurance to cover their value. This cancellation policy does not affect your rights when we are at fault - for example, if goods are faulty or misdescribed.
Any goods returned should be in saleable condition.
These terms apply to your order. We may change our terms and conditions at any time, so please do not assume that the same terms will apply in the future.
None of these terms affect your legal rights and these are not diminished in any way. If any term is held to be invalid under any applicable statute or rule of law, that term is automatically omitted from the terms to minimum extent necessary to comply with the law and without affecting the validity or enforceability of the remainder.


text:
TruXedo Edge Tonneau Cover 869101
- Our Price: $429.00
- Shipping:FREE SHIPPING
- Part Number: 869101
- Rating: (18)
$429.00Free Shipping
Select your vehicle details above to ensure item compatibility.
- New aerodynamic, arched-back design for great looks and even enhanced fuel efficiency
- One-finger release gives easy access to your truck bed
- Wide Velcro closures for a sure, tight fit
- Rolls up out of the way for total bed access
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- Improve fuel economy by as much as 10%
- 5-Year Warranty
The new TruXedo Edge Tonneau Cover takes the tonneau game up another level. Its arched-back design adds great custom looks to your truck while improving your aerodynamics for better fuel efficiency. The Edge packs in tons of new technology and style at a great price.
The TruXedo Edge is designed for maximum truck bed function and easy installation. It mounts between the bed rails so you can still use your tie down points and stake pockets. The Edge is designed specifically for your year, make, and model truck, so it installs without any cutting, drilling, or other modifications. The included tension control system keeps the cover tarp tight through every changing season. Plus, the Edge's one-finger release mechanism makes opening and rolling up the tonneau completely hassle-free.
Even better, the TruXedo Edge Tonneau Cover is backed with a full 5-Year Warranty.
TruXedo 869101 fits:
- 2008-2016 Ford F-250
- 2008-2016 Ford F-350
- 2008-2016 Ford F-450
There are no reviews for this application.
See All TruXedo Edge Tonneau Cover Reviews.


text:
Reclyn Sandy, November 28th , 2019.
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Supervisor, Mine is very similar to another occupation for which we have
a full profile.
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Directly supervise and coordinate activities of construction or extraction workers.
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text:
Sept. 17 is Constitution Day, and it is fitting that once each year we set aside a day of commemoration for this one-of-a-kind document that changed the way countries and people are governed all around the globe.
So are we in a constitutional crisis? The answer is a resounding �YES.� However, it is not the kind of crisis envisioned by our tea party brethren, who think the present administration has turned the Constitution on its head.
Texas Congressman Ron Paul said, �The Constitution was written explicitly for one purpose, to restrain the federal government.� If what Ron Paul said was true, would the framers of the Constitution have written the clause in the Constitution which delegates to Congress the power �to make all laws which shall be necessary and proper for carrying into execution the foregoing powers.� That is the �elastic clause.� It means that our government, as it is empowered by the Constitution, has whatever powers it chooses to create and administer.
However, in truth, the Constitution is in crisis. But don�t worry, it was born in crisis. It was written in secret and in violation of the existing document, the Articles of Confederation, at a time when we didn�t even have a president. No one worried about that in 1789 since we had just defeated the greatest power in the world in mortal combat.
Many of our founding fathers were skeptical that this new democracy, this government without precedent in the history of the world, could even exist for more than a few years. Benjamin Franklin was skeptical that it would work at all. Alexander Hamilton wondered whether Washington should be appointed king. Thomas Jefferson, our first secretary of state and third president, was not even sure of the constitutionality of his own Louisiana Purchase. It was a time of infinite crisis.
The framers of the Constitution did not envision an all-powerful presidency. When they were writing our Constitution, they looked closely at the monarchies of Europe and decided they did not want a king like George of England or Louis the 16th of France. Instead, the powers of the government were centered in Congress and the framers designed a relatively weak presidency, an administrative post to carry out the will of Congress.
Our Constitution can handle change. It has flexibility. As written, it is a set of principles not a code of laws. The framers of our Constitution did not know about DNA, airplanes, the atom, the germ theory of disease, the internal combustion engine, computers, antibiotics, satellites, and a whole list of other advancements. What they did know was that change was coming and that it would be constant. Any constitution would have to be capable of dealing with immense changes.
If those who wrote the Constitution were alive today, they would be proud of their handiwork. We should be proud as well.
Dr. Mark L. Hopkins writes for More Content Now and Scripps Newspapers. He is past president of colleges and universities in four states and currently serves as executive director of a higher-education consulting service. Contact him at firstname.lastname@example.com.


text:
KWIK-STIK™ 2 Pack
Catalog No. 0747P
Escherichia coli derived from ATCC® 13706™*
In Stock
2 Pack EA
General Information
Culture Method
All Product Formats
General Information
Biosafety Level1
Product FormatKWIK-STIK™ 2 Pack
Test MethodMicrobial Identification
Catalog number0747
Price CodeP-C
Culture Method
MediaTryptic Soy Agar (Soybean Casein Digest Agar), Non-selective Sheep Blood Agar, Standard Methods Agar (Plate Count Agar) or Nutrient Agar
Growth Time24 to 48 hours
Documents related to this product format:
Documents related to this product format:
All Product Formats
Escherichia coli derived from ATCC® 13706™*, SKU: 0747KKWIK-STIK™ 6 PackDETAILS
*The ATCC Licensed Derivative Emblem, the ATCC Licensed Derivative word mark and the ATCC catalog marks are trademarks of ATCC. Microbiologics, Inc. is licensed to use these trademarks and to sell products derived from ATCC® cultures. Look for the ATCC Licensed Derivative © Emblem for products derived from ATCC© cultures.


text:
Find art you'll love · 10% off $200+ code: LOVE10 · 15% off $850+ code: LOVE15 · Ends 1st November · Terms
Find art you'll love
10% off $200+ code: LOVE10
15% off $850+ code: LOVE15
Ends 1st November · Terms
10% off $200+ code: LOVE10
15% off $850+ code: LOVE15
Ends 1st November · Terms
Artwork description:
Painting: Acrylic on Canvas.
Large abstract painting. Original abstract expressionism art.
61.0 " width x 41.3" height x 1.5" depth.
(155 cm Breite x 105 cm Höhe x 3,8 cm Keilrahmenstärke)
Orange, white, magenta, blue, green, red, brown, beige.
Modern, colourful abstract artwork.
It was painted with professional acrylic paint on canvas. Stretched on a wooden frame. The sides are painted, so the painting is ready to hang. You get a certification of authenticity.
I always offer exclusive my original paintings, handmade, signed and dated on the front by myself...Peter Nottrott
Materials used:
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Nature Impressions XL 1 (2018)
Acrylic painting by Peter Nottrott
$2,359.34Free shipping
- Acrylic painting on Canvas
- One of a kind artwork
- Size: 61.02 x 41.34 x 1.5 in
- Ready to hang
- Signed certificate of authenticity
- Style: Abstract
- Subject: Abstract and non-figurative
This artwork is sold by Peter Nottrott from Germany


text:
Which is better, a lump sum or an annuity? A recent Texas Tech study investigated how much money people were willing to accept today to give up $500 a month from their Social Security annuity. One of the few statistically significant predictors was liquidity. But not in the direction we expected. Those who placed a large value on access to funds in times of medical need were less willing to sell their annuity.
This may be influenced by another factor strongly related to annuity valuation—whether respondents thought they were liable to spend the lump sum during the year after receiving it. Those who thought they might be tempted to spend the money wanted nothing to do with giving up an annuity.
Conventional wisdom on liquidity goes something like this: Liquidity is good because it provides ready access to cash when we experience random expenses such as a medical event, or an income shock such as the loss of employment. Households should have between three and six months of average expenses in a liquid account such as a money market savings instrument in order to be adequately prepared for a crisis. The downside of liquidity is that the investor gives up a duration premium on fixed income investments as well as a risk premium that could have been gained from investing in equities.
Recent studies suggest that the positives and negatives of liquidity are a lot more complex. Indeed, most people actually don't see the ready access of liquidity as a good thing.
Resisting Temptation
A mind-bending research article by Princeton economics professors Faruk Gul and Wolfgang Pesendorfer in 2001 described how resisting temptation can actually make us less happy. Building up an emergency fund creates temptation because it opens up many more spending possibilities. Once we have $30,000, we could either do nothing or we could buy a new car. It is much easier to ignore the temptation if we can't afford it. Once we can afford it, buying it suddenly becomes an option we have to reject. Rejecting options, according to Gul and Pesendorfer, is neither easy nor pleasant.
Harvard professor David Laibson has published a number of recent studies on how people deal with short-run temptation. Laibson sees avoiding temptation as a battle between our short-run desires and our long-run goals. In the short run we often succumb to temptations that we later regret because we weren't willing to summon the will to resist.
We deal with temptation using an age-old technique illustrated 3,000 years ago in Homer's Odyssey. When advised by Circe that he would be unable to resist the song of the Sirens, Odysseus had himself tied to the mast to avoid steering his ship toward disaster. Tying oneself to the mast is an example of a commitment device. We use commitment devices to avoid wrecking our long-term plans by succumbing to short-run temptations.
An annuity is a type of commitment device because it forces us to avoid the temptation presented by holding assets that could be liquidated at any time to pay for something our short-run self finds appealing. Instead of having to reject the short-run desires to buy a new RV, vacation home or classic car with our 401(k) assets, annuitization takes those options off the table. It also ensures that we will have money in the future to meet late-stage retirement goals and health expenses.
Laibson and his co-authors were interested in estimating how much value people placed on liquidity, so they offered them a gift and gave them a few investment options. Participants could invest the money in a liquid account that earned 22% (a high enough rate that they took the decision seriously). They could also put the money into a less liquid account that earned either 21%, 22% or 23%. The illiquid options had a penalty for early withdrawals of either 10% or 20%, or did not allow early withdrawals at all. Subjects were then asked how they would allocate the gift among the purely liquid account earning 22% or the illiquid options ranging from 21-23% and having different penalties.
According to conventional wisdom, the decision is a no-brainer. Since illiquidity restricts our options, we will always choose the liquid account unless we're willing to give up the flexibility for an extra 1%. What would you do? Maintaining liquidity increases temptation, and the cost of spending the money is the loss of a hefty 22% interest rate. Would you tie yourself to the mast to avoid the temptation of spending your liquid account?
Most of the participants tied themselves to the mast, but only when the rope was strong enough to hold them. At the same interest rate as a liquid account, respondents allocated 39% of their money to the illiquid account when the penalty was 10%. When the early withdrawal penalty was 20%, they allocated 45%. When early withdrawal wasn't allowed at all, they put 56% in the illiquid account.
Most people are willing to give up liquidity for no increase in extra return in order to avoid the temptation to spend. When the interest rate was one percentage point higher in the illiquid account (23% vs. 22%), they allocated most of their money to the illiquid account and put more in the accounts with higher withdrawal barriers.
Mental Buckets
Laibson also used a trick in his experiment to help the participants place more value on saving. He called the liquid option the "freedom account" and the illiquid options the "goal accounts." Respondents who invested in the goal accounts were also required to write down what the goal was. So respondents had to envision what they would sacrifice by yielding to temptation. This trick, a behavioral finance concept known as framing, can help us avoid temptation by assigning a label to different accounts based on their intended purpose. This allows you to convince yourself that money isn't fungible among accounts.
Advisors can use this trick when they create an emergency fund to keep clients from spending their safety net. Joe Tombs, founder of Amicus Advisors, uses framing by placing emergency funds in an account that is viewed by clients as separate from conventional liquid accounts. "I typically will keep a large holding of cash in their investment accounts instead of their bank accounts (although we link the accounts to streamline moving the cash)," says Tombs. "That way, it doesn't show up in their bank accounts where it might be spent frivolously. It's in a different mental bucket—one that requires them to call us or at least to go online and move the money."
He adds: "During the accumulation phase, we rarely recommend a large cash holding anyway. For people in the distribution phase, we hold the cash portion in their investment account and disburse their regular monthly or quarterly installments via automatic transfer and then they call in whenever they need a bump in that amount or a one-time supplemental distribution."
Rick Miller, a financial planner in Waltham, Mass., uses a similar strategy by having clients hold liquid emergency funds in separate accounts that are not labeled for current consumption. "We suggest establishing a separate account, usually at another bank (other than the location of the primary checking account) such as ING Direct, and calling it the Emergency Fund," says Miller. "We do find that clients like the notion of special accounts to save for vacations, estimated taxes and the like, as well as the Emergency Fund."
Most clients who accumulate significant wealth are used to avoiding temptation. By its nature, accumulated wealth is the end result of many decisions to save rather than spend. Clients with inherited wealth, or assets earned quickly for example through a windfall, may find maintaining a large liquid account more challenging.
Tombs has a number of clients who received legal judgments that provide instant liquidity and a strong temptation to spend. Tombs notes that "in extreme cases where people have little experience managing money, such as personal injury victims, we recommend that the cash portion of their investments be held in trust and limit their access to the account by amount or type of expenditure." Tombs also pushes clients to place a significant amount of their judgment into a structured settlement annuity to make sure that future goals are met.
Building Wealth
Most U.S. households accumulate wealth in illiquid investments like real estate, retirement accounts and private businesses. Many believe the illiquidity of these assets contributes to wealth creation. If the money is held in a piggy bank that prevents easy access, we tend to avoid spending it. In a study we conducted on burial insurance policies among low-income households, we found those who owned these (often costly) cash-value insurance policies accumulated more wealth than low-income households that didn't own a cash-value policy.
Shielding assets with illiquidity is also one of the reasons why so few households incur early withdrawal penalties from retirement accounts such as IRAs and 401(k)s. Even though the penalty is relatively modest, most tie the account with an important future goal—an example of how behavioral finance can be used to improve policy.
Advisors with an appreciation for the problems of too much liquidity can help their clients by recognizing the cost of temptation. Selecting investments with real or imagined roadblocks to short-run spending helps a client avoid steering their ship onto the rocks before they reach their goals.
Correction: An earlier version of this story incorrectly stated that an "illiquid option" should be called a "freedom account." A freedom account should be a liquid option.


text:
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text:
Uninstall W32.eHeur.Virus06 Quickly, Complete W32.eHeur.Virus06 Removal Guide
Uninstall W32.eHeur.Virus06 From Infected Windows PC.
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W32.eHeur.Virus06 is an extremely perilous threat that generates various unavoidable commercial ads which can hamper normal functioning of the PC and modifies Internet browsers settings. It attaches itself to the web browsers like Chrome, Firefox, safari, IE and shows bunch of pop-up ads every time you open it. Most of the time infectious files of this threat hides itself in system's background process so as to cover its identity from admin. Severity level of this worm will even cause system crash because it constantly downloads its supporting files. This virus additionally installs unwanted browser add-ons and plug-ins to your browser. In presence of this threat, the performance of your PC might degrade to large extent. W32.eHeur.Virus06 could send you to some unsafe websites and advertisements that don't seem to be trustworthy. Visiting its redirected sites could infect your PC with harmful malwares as this virus largely redirects you to phishing websites. Other awful threats are often come along with this virus. To being unseen from security programs, it deletes the windows registry items as well. Moreover, it will record your browsing history and transfer the collected data to cyber crooks. It typically displays ton of unreliable pop-ups, fake error messages, annoying ads and alerts. W32.eHeur.Virus06 endlessly spreads malicious code in web browsers so they may simply interfere users on-line activity with the sole objective to get cash.
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If you are not careful enough while using your Computer then the W32.eHeur.Virus06 can enter and infect the system through various sources. You should be aware of different entry points of virus program so that it can be stopped and the computer and its data can be prevented. The system is always at a great risk if it is connected to the Internet because there are numerous sites that can automatically insert the virus program just on a click of a button. When you download any unknown software then it may contain the W32.eHeur.Virus06 along with it. So you must browse sites that are considered to be safe. There is a huge misconception that the virus can spread only in online mode but the truth is even if you have never used Internet on the computer it can still get infected. The sources are already infected computers, USB drives that carries malicious programs like the W32.eHeur.Virus06. When you insert and transfer any data to your healthy PC it will surely get infected. These are some of the known sources that can inject the virus to your computer so you must be alert while performing any kind of data transfer that is happening either in the online or the offline mode.
Remove W32.eHeur.Virus06 from Control Panel
Follow the below mentioned steps carefully in order to uninstall W32.eHeur.Virus06 from your Windows computer system completely.
Steps to Remove W32.eHeur.Virus06 from Windows XP, Vista & 7 Control Panel
From the bottom left corner of the screen click Start button.
Choose Control Panel and click on add or remove program.
Now select the suspicious application from the list of application and click on uninstall option.
In the end confirm the removal if asked.
Steps to Remove W32.eHeur.Virus06 from Windows 8
Hover the mouse over the left side of your screen and wait for the icon to appear.
Now right click on the icon to get the list of programs.
In this step you will need to select Control Panel from the lists.
From Control Panel window, click on Uninstall program.
Uninstall this nasty threat from the list of application on your PC.
In the end click on Ok to conform the removal process.
Remove W32.eHeur.Virus06 from Windows 10 Control Panel
First of all Click on Start Menu.
Go to Settings menu to see all contents.
Click on the System tab from all programs.
Now choose Apps and features from System tab.
Select the suspicious application from the list.
Click on Uninstall option to remove W32.eHeur.Virus06
Scan Your PC To Uninstall W32.eHeur.Virus06
Manually Remove W32.eHeur.Virus06 and Unwanted Toolbar or Extensions from the Browser
If W32.eHeur.Virus06 has also infected your browser then you also need to remove extensions and add-ons from your infected browser.
Easy Step to Remove W32.eHeur.Virus06 from Google Chrome
Open Chrome and Click the button at top left corner of browser.
Click on tool
Select Extensions and then from there select unwanted extensions
At last click on remove button to remove the extensions.
Restart the system.
Simple steps to remove W32.eHeur.Virus06 from Internet Explorer
Click Tool Button and Select Manage Add-ons.
In the Manage Add-ons highlight extensions and toolbar having 'Add-on Types'
Now makes sure all add-ons is selected under 'show:' drop down menu and From there select the toolbar which has to be removed.
Select Disable/Delete option.
A warn pop-up window may appear onto your PC screen stating about related services and add-ons will also be disabled. Then leave the items checked and click OK.
Click Close to dismiss the add-ons window and Restart the system.
Easy Steps to Remove W32.eHeur.Virus06 from Mozilla Firefox
Start Firefox
Clicks on tools menu.
From Tool menu you have to select Add-ons> Extensions.
Now you just have to select add-on entries related to the W32.eHeur.Virus06
Select Remove/Disable.
Restart your System.
Scan Your PC To Remove W32.eHeur.Virus06
Prevention Tips for W32.eHeur.Virus06 Virus
The user can remove it with the help of W32.eHeur.Virus06 Scanner. It is an ultimate solution which can make the infected computer threat free. This scanner is designed with advance technology that makes it capable to detect all threat from the computer very easily. It offers heuristic working strategies to its users and that is why it is considered as a most reliable tool. You can download and install this tool easily in your system and make it use to remove harmful worms. The best part of this software is its user-friendly interface. The user who does not have proper technical knowledge can also run this tool in their system. It is taking very less time to complete the threat scanning process. The manual process to remove W32.eHeur.Virus06 from computer is somewhat risky process on the other side there is no any risk if you use virus scanner tool. It does not leaves any adverse effect on the computer performance and consumes very less system resource. This W32.eHeur.Virus06 Scanner will also provide its trial version that can be used to see the virus attacks by scanning the PC, and when the user get satisfied and further go for its licensed version to remove all detected threats. The heuristic scanning algorithms of this tool is making it very powerful and thus it became able to deal with all the unwanted issues like PC performance degradation, pop-ups, fake alerts, browser redirection etc. The experts also recommend this W32.eHeur.Virus06 Scanner.
Easy Guide to use W32.eHeur.Virus06 Scanner
Step 1 : Download and install W32.eHeur.Virus06 Scanner by following some its steps
Step 2 :After installation Click on "Scan computer" button and it start scanning
Step 3 :There is an inbuilt feature called "Help desk" you can get complete information regarding the infection which you have encountered in your system
Step 4 :Now click on "Remove all button" to remove all the found threats
Step 5 :After removing all the infection restart the computer
Guidelines to Take Care your PC from W32.eHeur.Virus06
- It is better to take prevention before getting infected with virus. Here are some precaution which can prevent you from virus and malware.
- Always ignore to install suspected software.
- Always use a proper firewall in your system which prevent your system from access of malicious program.
- Avoid to click on unwanted pop-ups or malicious links while surfing the Internet
- Give your personal information to legitimate websites only
- Never try to open Spam or junk email attachments
- Keep your anti virus program updated
- Try to create an unique password for your online accounts
- Disable auto run and daily scan your computer
- Deploy DNS protection
By following these tips you can stay safe from virus and other infected programs easily.


text:
Dead Fred asks:Are you a Desperate Genealogist?
Click the e-book above for details!
Dead Fred's Genealogy Photo Archive, a free, fun photo genealogy research web site devoted to helping you visualize your heritage!
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Photo #32917
Last Name: Weidlich
First Name: Eva
Middle Name:
Subject's City: New Bedford
Subject's State: MA
Subject's County: Bristol
Subject's Country: United States
Date: 1941-1960
Photographer: Rousselle Portrait Studio
Photographer's City: New Bedford
Photographer's State: MA
Type**: B&W
Comments: Eva Weidlich (Nee: ) | New Bedford MA United States | 1941-1960 | Comments: This is a photo of my great grandparents, grandparents, etc. on their 50th anniversary. I am trying to find if anyone knows the other people listed on the back of the photo... Marian & Albert Levesque, Alice & Raoul (my ggparents) Eva Weidlich, Marie & Jospeh Levesque (my gggparents) Anna & ALexander Brunette, and Joe & Frances Levesque.
Digital Image Only? NO
Everyone Listed In This Photo:
To view all records posted by this submitter, click here:
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text:
United Church of Christ, Congregational 2 Central Street, Wellesley, MA 02482 | Tel: (781) 235-1988To reach a pastor on call please call our Pastoral Emergency line: 781-591-7451Send a Message | Search ©2012-2020 Village Church — Wellesley, MA. All rights reserved. | Site Credits
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text:
Bespoke Diamond Rings
Brook Wave Signature Rings
Bespoke Gemstone Rings
Bespoke Jewellery Collection
For Your Special Occasion
Signature Brook Wave Ring Designed with a raised Diamond Wave crossing three lower Waves set with client's own Sapphires.
Custom made in Platinum as a Right Hand Ring.
Dearest Suzanne, My Gazelle Ring is here and more than perfect.!!!! I fell in love right away! Love love love how she turned out ;-) Thanks a million! You're wonderful! I'll send photos soon! Best wishes!
Irene, Germany
Suzanne - just want to say again I absolutly love my ring. I can't thank you enough for all the work you put in getting the design and style just right and getting me the ring I wanted given my first ideas of what I thought I liked! I could never have thought it would turn out so well. Every time I look at it - I love it a bit more! Thanks again
Martina, Dublin
Hi Suzanne, I recommended Pearl Perfect to my Mam after getting a stunning engagement ring from you. She is absolutely thrilled with the ring you re-modelled for her. It's stunning! I think you have made lifetime Pearl Perfect customer out of us!
Orla, Dublin
Suzanne, Many thanks for the Pendant and Earrings. They are wonderful and much admired. All best wishes,
Catherine, Kildare
Thank you - I love 'my ring'! I may own it, but you were the one who created it.
Daireen, Dublin
Hi Suzanne Thank you so much for meeting with us yesterday. We are over the moon with our ring. Thanks again for all your help during this very special time for us. Best wishes,
Greg & Ciara, Wicklow
Dear Suzanne, Thank you for your lovely wedding gift and for all your kind support and expertise in designing my Engagement Ring. We really appreciate all your help and kindness
Sarah & Bernie, Dublin
Dear Suzanne It started on a Saturday morning.... We asked for a sapphire maybe ... And you brought a choice of gems ! Then that one unique topaz kept catching our eye & that was it - stone picked ... Then came the interesting part of building a ring to suit it .. A couple more appointments needed to come with the design & then the tantalising wait .... The day we collected it I'll never forget .. To see our little beauty come to life .. I can honestly say when I saw it I was shocked .. Pure stunning ! Suzanne..... Myself & Vinny can't thank you enough for turning our dream into a reality .. Your guidance.. Your expertise & your passion for what you do.. It was an absolute pleasure to work with you. Thank you for everything. Love & Best Wishes Xx
Annmarie & Vinny, Dublin
Dear Suzanne, Just a brief note to thank you for your help, advice and patience when firstly helping Bryan to design my engagement ring and secondly when helping us both design the wedding bands. We couldn't be happier with the end results. We wish you every success in the future. Kind regards,
Bryan & Michelle, Waterford
We cannot recommend Pearl Perfect enough, from our first meeting with Suzanne we were drawn into her beautiful sparkling world, the attention to detail, exceptional customer service and her true love for what she does is simply amazing. I have the most stunning & one-of-a-kind engagement and wedding bands. Thank you so much Suzanne. "
Claire & Dave, Dublin
Dear Suzanne, Thank you so much for making our wedding bands. They are beautiful! Thanks also for the gorgeous wedding gift.
Grainne & Ronan, Dublin
Dear Suzanne, Just wanted to thank you so much the ring is absolutely stunning and fits perfectly- I couldn't be happier with it... totally in love with it!! You did such a wonderful job of translating what was in my head and creating such a masterpiece! We Really are thrilled with it! Thank you so much and we will be in touch again for the wedding bands. I really can't thank you enough for all the time and effort you put into this. Much appreciated,
Julie & Dave, Dublin
Thank you so much for all your help & effort with the 'RING'! It is absolutely fabulous and we will be forever grateful. Everyone we meet comments on how beautiful & unusual it is!
Lea & Denis, Kerry
Hi Suzanne, Aoife said yes !!! Thank you so much for all your help and patience. Aoife loved the ring, it's really got the WOW factor!! regards
Paul, Meath
Hello Suzanne Thanks for the update. It's getting closer and I'm getting excited to see the finished collar when it's done ..... Thank you so much again for all the effort and hard work - I'm really thrilled with the collar. (Vanessa - Sapphire & Diamond Collar)
Suzanne H. Dublin
Hi Suzanne, Hope you're well! I'm just sending a note to say thanks so much again for all your help with our rings for our wedding which took place in Waterford on 7th June. Everything went brilliantly on the day. Just thought I'd send you a couple of photos as well (on of which shows her ring particularly well!)
Michael & Patrice, Dublin
Hi Suzanne, I just wanted to thank you so much for my beautiful ring. It is more than I could ever imagine, absolutely stunning. Thank you for all the help & guidance you gave my boyfriend – I always knew he was in great hands!
Fiona & Declan, Dublin
Dear Suzanne, Just a quick email to let you know that Denise absolutely LOVED the ring you made. She was thrilled with the concept of using all the birth stones and with the final result. It looks really lovely on her and she is showing it off to all the world – a very happy lady. A thousand thanks again.
Graine, Dublin
I just want to say a big Thank You! For your expertise, time and effort you put into designing my ring! I just love it!
Mary, Westmeath
To Suzanne & all the Staff at Pearl Perfect, Many thanks for your beautiful gift and for all you contributed to our special day. love,
Brian & Aishling, Dublin
I wanted something different and individual for two special rings and had these designed by Suzanne at Pearl Perfect. Suzanne is very professional, accommodating and her jewellery is of a very high standard. Most importantly however, her designs are truly unique and fabulous. I absolutely adore my rings from Pearl Perfect.
Emma, Dublin
Suzanne, We can't thank you enough for all your help in the run up to our wedding and for the beautiful rings. They are absolutely perfect. Even though I wasn't involved in the selection of my Sammie engagement ring, I couldn't have picked a better ring myself and to have a specially designed wedding ring to accompany her has just blown me away! Your suggestions and expertise helped us to get the perfect fit and you were more than accommodating regarding the engraving of our rings before the wedding. You have been an absolute pleasure to deal with and we will certainly be recommending you to friends and family. Wishing you all the very best,
Amy & Alin Dublin
'I've been really lucky that this has been my second occasion to meet with Suzanne. The first was to have my wedding ring re-modelled after a disappointing experience with another design service at the time. Recently, I had an eternity ring made to mark a special birthday, with all of our family birthstones. I was looking for something really different and the pieces I have are stunning. Care and attention to detail is evident from beginning to end and nothing is made until it's absolutely right. I can't recommend Suzanne enough'.
Nicola, Wicklow
I just want to thank you for the beautiful work on my Ring. I am absolutely thrilled with it and am wearing it right now! You have made a 'piece' out of it! My sister's ring is also exquisite and she's thrilled with it. I hope I will have the pleasure of meeting you again sometime, With Gratitude
Brenda, Wexford
When I first met Suzanne, I wanted to have diamond solitaire redesigned. Her suggestions and expertise helped me to my final decision. I now have the most amazing set of rings and to say I love them is an understatement! When my family saw how beautiful they were and how amazingly they turned out we decided we would have Suzanne design a ring for our Mam for a special birthday. I can only say she was overjoyed with her ring and hasn't taken it off!! The service on both occasions was not only professional but very personal. Thank you so much Suzanne.
Gwen, Kildare
Suzanne - Just want to say I am in love with my Carlina!! :) It's beautiful .... thank you!
Niamh, Carlow
Dear Suzanne, Thank you so much for all your help with designing our wedding rings. We are so pleased with how mine turned out and we have you to thank for that! Also we would like to thank you for the beautiful photo album that you gave us with the rings. I have put it to good use. Thanks again
Natasha & Robert, Dublin
The service I received from Pearl Perfect has been both professional and personal and I could not be any happier with my redesigned ring. Suzanne's expertise was a great guide for me and I felt that I got exactly what I was looking for. All I could say when I saw my redesigned ring was "wow". I would recommend Pearl Perfect to anyone who wants to give their jewellery a new lease of life.
Regina, Dublin
Suzanne worked on two separate commissions with me, both of which turned out to be fabulous and which allowed me to re-invent old and unused jewellery. Diamond earrings. I had two separate pairs of earrings that I brought to Suzanne. We had an initial meeting where we talked through my ideas and Suzanne then worked with this to create several design options. These were presented in a very transparent fashion with costs of additional materials etc laid out for each option. We settled on an a design and Suzanne set off the production process and kept me up to date on progress and when I could expect to receive the new earrings. Ultimately I ended up with a really special pair of earrings that I could finally get some wear from. Compliments are plentiful every time I wear them and the added bonus is that nobody else has a pair like mine.
Marion, London
Dear Suzanne, Thank you so much for everything! Aine is over the moon. Her ring is AMAZING. We had a fantastic day on Saturday, thanks for being such an important part of it.
Aine & Tim, Melbourne
It is never sufficient to say 'thank you' in the shop, for personal service, care, attention and advice you give. I was most grateful and appreciative for the consultation with you, Suzanne. Your ideas were great.
Marie, London
Suzanne, Thank you so much for all you did to ensure my engagement ring was ready on Friday 21st! I had no idea Damien has it all planned for that night. When he showed me the ring - I was blown away! Suzanne, it is totally fabulous! Really really Stunning! You captured exactly what I described and more! Thank you so much. best wishes,
Siobhan & Damien, Co Dublin
To Suzanne, Just to say think you for all the help you gave us. Just a small gift of appreciation! We will miss coming in every couple of weeks.
Teri & Gary, Dublin
Hi Suzanne 'Thank you so much for all your patience & advice as our design evolved and took shape. Couldn't be more delighted with the design and quality, engagement ring is out of this world!'
Danielle & John, Melbourne
I had a pair of Tahitian pearl stud earrings and a ring to match which continuously came loose from its mount. The mount was also impractical in that the pearl was set high and was at risk of damage. The result was the ring sat in its box and I had occasional wear of the earrings. I took these to Suzanne and we talked through a re-design of the ring to a necklace and also a re-think of the earrings. Suzanne presented several options and we settled on a very unusual wave design of diamonds over the pearls matched in the necklace and the earrings. Again costs of materials and design were transparent. The end set are really fabulous and show the unusual darker pearls off to a tee. I now have a very pretty set of pearl jewellery that I get a lot of wear from and people always notice when I do. Again it's a bespoke item that is personal to me. Thank you!
Marion, London
Suzanne, Thank you so much again for the amazing ring you created for us!We enjoy it every day! And thanks also for the thoughtful gift, you are so kind.
Cynthia & Oliver, Dublin
Hello Suzanne, You reworked my existing diamond ring and created a unique and elegant Star shaped Pendant. The extra brilliant cuts add to the sparkle. Your creativity is inspirational ! You delivered on time ,within budget,and your attention to detail met with my highest expectations. Many thanks to you and your team, Best wishes, Emily
Emily, Dublin
Hi Suzanne Firstly , I just wanted to say thanks for your help last year in choosing a ring and being so flexible with me when I was choosing the engagement ring. My wife was delighted with the choice and the wedding band also. Kind Regards
Donal, Kildare
Hi Suzanne, Ross gave me your email address. I'm just writing to say thank you for creating my "Mali" ring. I absolutely adore it. The stone is just perfect and the under-carriage is designed beautifully. Thanks you very much.
Emma, Clare
Hi Suzanne, Just a word of thanks for all the work that you and your team put into my ring! I am just so thrilled with it, it feels as if it has always been on my finger. Everyone who has seen it has been so impressed with the design
Fiona, Belgium
Dear Suzanne, We cannot thank you enough for designing the engagement ring of our dreams! We came to you with an idea and came out with a ring more beautiful than we could imagine. Considering how short a time we had in Dublin, your manner and professionalism made it all so easy and a really exciting experience. Thank you so so much,
Jess & Rob, Darwin
Hello Suzanne My marquise has just arrived and I am over the moon with it. I am really happy with the height and setting! Exactly what I wanted - thank you for this service!
Penny, Galway
Suzanne took my Diamond & Sapphire Cluster Ring, heard what I wished for and, with her expertise transformed it into something entirely Individual and Unique. The Final Result surpassed my Expectations And I am extremely happy with the Quality of the Workmanship.
Anne K, Co Dublin
I am absolutely thrilled with my collar. I had a lot of items of jewellery which held very precious memories . Pieces from my husband and best friend which I kept locked away in my jewellery box . I have been visiting Pearl Perfect for many years having various repairs carried out and heard about Suzanne. Suzanne arranged an appointment with me and she was just lovely, we discussed what if anything I could do to make a memory piece form various pieces of jewellery.. She did some drawings and 3D imaging and gave me various options. We met again and I settled on this piece. The picture does not do it justice. I was blown away when i saw the finished article and love it . Thank you very much Suzanne for bringing my memories together. It means more than words can say . I look forward to having some other pieces designed in the future.
Elizabeth, Dublin
Dear Suzanne, I want to say again Many Thanks for looking after the remaking of my Ring. I am absolutely thrilled with how it turned out. It was once again a great pleasure dealing with you. I wish you continued success. Kind Regards
Brenda, Dublin
Hi Suzanne, Just a quick email to say thank you! Two weeks later and I'm still constantly distracted by the beauty of my ring. We are so glad we put our trust in you and we couldn't be happier with the finished product. What you produced is so much more than we expected, the detail and finish is amazing. We will back for the wedding bands! Thanks again and all the best!
Laura & Paul, Dublin
Hi Suzanne Thanks so much for all your help over the last 2 months. Sarah loved the ring and hasn't stopped smiling since yesterday. Will recommend you to anyone looking an engagement ring. Thanks again
Colin, Dublin
Cannot recommend Suzanne enough.. I am in love with my engagement ring, it is more perfect than I had ever imagined. Such a personalised experience and I look forward to her designing our wedding bands
Jane & Andy
To Suzanne & Team, I had to write to say Thank you! Thank you! Thank you! I brought my three stone engagement ring & diamond stud earrings to you as both items needed attention. You suggested redesigning them into one new ring and I was so excited! Even though I was shown the CAD designs, I genuinely didn't think that the new ring would be as perfect or as stunning as the 'virtual' one! It is even more so - you gave me what I wished for and more! It was so professional, and such a pleasant experience from start to finish - I hope I am lucky enough to deal with you again!
Hazel, Meath.
Hi Suzanne I want to say thank you so much for the beautiful ring you designed. I couldn't quite believe it when I saw it had come to life. A wonderful surprise from Paul and the design is better than I could have hoped, really love it! Many thanks,
Clare, London
Thanks for everything, Suzanne. I am really am very pleased with both the standard of work and how well the pieces have been adapted to suit my specifications. You've done a great job. Best wishes
Victoria, London
Hi Suzanne, Many thanks for your input & expertise. All the best!
Mary & Tim, Kerry
I wanted something different and individual for two special rings and had these designed by Suzanne at Pearl Perfect. Suzanne is very professional, accommodating and her jewellery is of a very high standard. Most importantly however, her designs are truly unique and fabulous. I absolutely adore my rings from Pearl Perfect.
Emma, Dublin
Hello Suzanne and Team, Thank you so much - the ring is perfect! I love it! It's how I thought it would be, only better! Thank you for enabling us to have the ring I wanted for the price we wanted. It's only adds to the 'fabulousness' of the ring that it's an Irish made ring, from local craftsmen and ethically sources Diamonds & Opal. Thank you to you Suzanne for the beautiful design and all your team for making it. Best wishes
Nicola & John, Dublin
Thanks so much for looking after us. My Fiance's ring is beautiful, I've never seen her so happy. Really appreciate everything you have done for us. Thanks again.
John, Dublin
Hi Suzanne, The Ring has just arrived and I love it! I hope Caroline will too! Everything went well – Caroline loves her ring! All the best
Will, Manchester


text:
A Nationwide Financial survey released Dec. 6 found 42% of advisors said their clients were interested in devesting themselves of their wealth, like passing their assets on to their children, in order to qualify for Medicaid.
Clients who intend on "intentionally impoverishing themselves" are taking "pretty extreme measures" to plan for long-term care, John Carter, president of Nationwide Financial, told AdvisorOne on Tuesday. "The new age of retirement planning needs to include plans for addressing out-of-pocket expenses and long-term care." Advisors need to help their clients develop a "more holistic plan," he added.
Harris Interactive surveyed 501 advisors on behalf of Nationwide. At least half of respondents' clients have $250,000 or more in investable assets.
That so many people appear to be interested in giving away considerable assets in order to qualify for government assistance was surprising, Carter said; especially so in light of an earlier Nationwide survey conducted in July when pre-retirees listed maintaining control of their assets as one of their top concerns. "It's ironic that half of advisors have clients who would give up control," he said.
Over one-third of advisors say their clients don't understand long-term care costs, and just 31% say their clients understand the long-term care options that are available to them. One thing clients who are thinking about "Medicaid planning" may not appreciate is just how much they have to give away to qualify.
"They have to prove they are impoverished," Carter said. "In most states, that means they must have less than $2,000 with a five-year look-back period." Medicaid is a useful option for the people who need it, Carter said, "but it was never intended to pay for long-term care for people who have assets."
Giving away enough assets to become eligible won't mean clients' long-term care needs are covered, at least not in a way they may be satisfied with. They may find their options are more limited than they expected, Carter said. For example, for clients who want to maximize their time in their home, if they use Medicaid coverage for long-term care needs, many states don't cover the types of care they would need, such as a home health aide.
That's assuming they become eligible. "If you've given all your assets away and Medicaid deems you ineligible, it's difficult to change your mind and get it back," Carter pointed out.
It's also important to recognize the effect the Affordable Care Act will have on Medicaid, Carter said. "In 2014, more Americans will be eligible for Medicaid. If this is what you get today, I can't imagine you'll get more [in 2014]."
But why are investors with significant assets even considering using Medicaid for long-term care coverage? Carter said it's a combination of several factors, some of them familiar. "Corporate retirement benefits are shrinking," he said, "and people are living longer. The cost for chronic care is rising, and families moving apart reduces the availability of home health care. Investors owe it to themselves to explore opportunities."
Check out more stories related to LTC at AdvisorOne:


text:
The Sports Xchange
By Ross McKeon, The Sports Xchange
SAN FRANCISCO -- The St. Louis Cardinals showed in Game 1 of the National League Championship Series that they don't always have to rally to win.
St. Louis took the opposite tact, racing out to a 6-0 lead early, then depending on its bullpen to hold on for a 6-4 victory over the San Francisco Giants in front of 42,534 at AT&T; Park on Sunday in the NLCS opener.
Jason Motte, the last of seven Cardinals pitchers, closed out the victory. St. Louis relievers retired 12 straight Giants, and 14 of 15 from one out in the fifth, before Angel Pagan reached with a two-out single in the ninth.
Edward Mujica struck out the side in his one inning of work in the seventh, and he was awarded the victory. Mitchell Boggs enjoyed a perfect eighth with two popups and a groundout.
In the ninth, Motte retired Brandon Crawford on a fly to center, pinch hitter Hector Sanchez on a pop to left and Marco Scutaro on a grounder to first base after Pagan singled to right-center.
St. Louis scored four times in the fourth to chase Giants starter Madison Bumgarner.
Daniel Descalso and Pete Kozma hit consecutive groundball doubles into the right and left field corners, respectively, with one out for the first run. Kozma stole third and scored when Jon Jay touched Bumgarner for a soft single to center with two outs on an 0-2 count.
Bumgarner got two strikes on Carlos Beltran, but Cardinals' No. 2 hitter picked on a low fastball and drove it deep into the left field stands for a two-run homer and 6-0 lead.
The Giants, held without a hit by Cardinals starter Lance Lynn through three, batted around against the right-hander to answer with four runs of their own in the fourth, and all of the scoring came with two outs.
Brandon Belt's broken bat single to center scored Scutaro from third. Gregor Blanco tripled to right-center to plate Hunter Pence and Belt. Crawford doubled to right to score Blanco, chasing Lynn.
Descalso's diving play up the middle at second led to a force play to strand the tying runs.
San Francisco left two runners on an inning later, too, as St. Louis relievers Joe Kelly and Mark Rzepczynski thwarted the threat.
The Cardinals struck for two runs in the second off of Bumgarner, who labored through a 30-pitch frame after setting the visitors down 1-2-3 in the first on 11 pitches (the first seven of which were strikes).
St. Louis catcher Yadier Molina laced a one-out, two-strike single to center. David Freese then launched a 3-2 fastball into the left-center-field bleachers to give the Cardinals a 2-0 lead. Freese's first postseason homer of 2012 was his fourth career long ball in LCS play.
NOTES: Joe Lefebvre served as the Giants' first base coach in place of Roberto Kelly, who suffered a concussion Saturday when he was struck in the back of the head by a Busty Posey sinking line drive during batting practice on the team's off day. Kelly rested at home for Game 1. "I don't see him being out there at least these two games, if not longer," Giants manager Bruce Bochy said. ... The winner of Game 1 of the NLCS has advanced to the World Series in 16 of the last 20 years. The 2011 champion Cardinals were one of the four teams to drop an NLCS Game 1 but rally to win the series. ... The Giants and Cardinals are meeting for the third time in LCS history. ... Tony Bennett performed "God Bless America" during the seventh-inning stretch. ... St. Louis' Chris Carpenter is scheduled to oppose San Francisco's Ryan Vogelsong in Monday's Game 2.


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Amazing Euro premier of Cleveland's Screaming last night. Lots of terrific questions from the audience. Who'd've thought the Finns would be so into Ohio punk? Not me.
Tonight I'm at Balderin Sali, Aleksanterinkatu 12, Helsinki at 6PM.
I've been doing interview after interview after interview since I've been here. And there's one thing I've found myself saying over and over. It's that I got into the practice of zazen because it was practical and useful for me. I did not get into it because I had any desire to be "a Buddhist" or because I wanted someday to be a monk or a teacher of Buddhism. I don't self-identify as a Buddhist or a monk except when it's necessary because of the job that I do. In fact I don't even know if I really qualify as a monk by most people's standards. I use the term because after I took jukai with Nishijima Roshi I asked him, "Am I a monk now?" and he said, "Yes. You are a monk now." His attitude is based on Buddha's who ordained monks by just saying, "Welcome monk."
This relates to my bottom line. I can't remember if I've told this story here already or not. But last year I went to a sesshin at Berkeley Zen Center. I signed up for dokusan with Sojun Mel Weitsman. During the dokusan I complained to Mel about some problems I'd been having with my little Saturday morning group in Santa Monica. They seemed to see me as something I clearly was not, a kind of a spiritual leader or some shit like that. By extension a lot of the people I was talking to on tour or via Suicide Girls and this blog also seemed to see me that way.
Mel said, "What's your bottom line with your Saturday morning group?" I said that as far as I was concerned, I sat zazen on Saturdays at 10 AM at Hill Street Center and the door was open for anyone who wanted to join me.
It was a funny moment because up till then I'd never really thought of it that way. But I said it very easily and spontaneously. That's the magic of dokusan with a good teacher, I guess.
This is also my bottom line with everyone to whom I introduce this practice. It's something that I do, which I have found extremely useful and you can do it too. That's pretty much it.
I didn't get into this because I wanted to try and live up to someone else's bizarre ideas of what a Buddhist ought to be. There have been occasions when I've tried to do that and it made me intensely miserable. I didn't get into Zen practice to be miserable.
I only do what I do to the extent that it helps make my life a little better. I allow people access to my personal story because I think they also might find something beneficial there the way I found it beneficial to hear my first teacher Tim's and Nishijima Roshi's stories.
Sometimes when I complain about my current job people say, "Why don't you just quit and go work in an office or something?" But I've lived long enough to know that no job is ever without problems. And I know myself well enough to know that I'll always complain. Big deal.
But I also know that it doesn't make any sense to simply up and quit your job because it's not perfect. The next job you get won't be any more perfect. I only quit a job if it becomes totally unworkable (that's a grammatically odd sentence but I like it, so I'm leaving it). So far this one has not. At least not yet.
I have yet another interview to go to, so I'm gonna leave it at that for now. Just thought you might like to know.


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