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The Department of Labor plans to repropose its controversial rule to amend the definition of fiduciary under ERISA "in several months," Phyllis Borzi, assistant secretary for the DOL's Employee Benefits Security Administration, told AdvisorOne on Friday.
Speaking briefly with AdvisorOne before she spoke at the Women's Institute for a Secure Retirement's annual women's retirement symposium in Washington, Borzi said to expect a reproposal of the fiduciary rule early next year.
"We're not finished" with the rule, Borzi told WISER attendees. "When people see the reproposal, reasonable people with open minds will say [DOL] listened, that [DOL] addressed the legitimate issues that were raised in the long comment process." Added Borzi: "The reproposal will be better, clearer, more targeted and more reasonably balanced."
However, advisors are still concerned about what the reproposal will look like, as a recent poll by the Financial Services Institute found. The FSI poll found that advisors are becoming "increasingly opposed" to the DOL reproposing its rule – 91% opposed in the Nov. 28 poll, which is up from 89% in August and 72% in February.
But Borzi spoke with conviction to the conference attendees when addressing the need for a fiduciary rule. "We are facing a crisis of confidence and people need help," she said. Those that "need help and want help need to understand that the people who hold themselves out as experts are accountable to them, and in fact, exercise the standard of care that consumers think they are getting and deserve to get."
The advice "has to be unbiased advice," Borzi said, and it "has to be directed to you and your best interest."
Citing the retirement savings forums that she and her former right hand man, Michael Davis, conducted around the country, Borzi said the overwhelming message they heard from forum attendees "is their financial insecurity." Davis left his post in mid-November as deputy assistant secretary of EBSA to serve as head of Prudential Retirement's stable value business.
Borzi also gave attendees a snapshot on the results of DOL's enforcement actions in fiscal year 2012, which she said will be released soon. With 460 investigators in the DOL's field offices spread throughout the country, Borzi said that there were 3,600 civil investigations last year, with 72% of those cases being closed with "a result," meaning recovery was made. She added that 218 of those cases were referred to litigation.
On the criminal side, Borzi said that the DOL brought 318 cases with 117 indictments. As to benefit disputes, she noted that 240,000 inquiries were made last year. Between the benefit advisors in the field working for DOL and the investigators, Borzi said they recovered a combined $1.27 billion in civil and criminal monetary results in 2012.
See also:
SEC will pursue fiduciary rule in 2013


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Swimming with your Polar product?
All of our monitors may be used for swimming with the exception of the RS800CX, RCX3, RC3 and CS600x.
The Polar T-Series transmitters (T31, T31C and T61) utilize a one-piece design that encases all of the electrical components inside of the unit. The Polar T-Series transmitters have no battery compartment or O-ring seal to cause leaking or failure and does not have exposed electronics to cause corrosion. This is why a Polar T-Series transmitters are the only 100% waterproof transmitters available on the market today.
The receivers are water resistant to 20, 30, 50 or 100 meters depending on the model. To maintain the water resistance, do not operate the buttons of the Polar wrist receiver under water.
Some models are equipped with a Wearlink Transmitter. The Wearlink Transmitter is a soft transmitter with a changeable battery. The electrodes are encased in a fabric strap which attaches to a small plastic transmitter. Although the Wearlink Transmitter is water-resistant, the T-Series transmitters are 100% waterproof and are always recommended for any water sport activity.
Heart rate measurement in a water environment is technically demanding for the following reasons:
Pool water with a high chlorine content and seawater may be very conductive and the electrodes of a transmitter may get short circuited and ECG signals cannot be detected by the transmitter unit.
Jumping into the water or strenuous muscle movement during competitive swimming may cause water resistance that shifts the transmitter on the body to a location where it is not possible to pick up the ECG signal.
The ECG signal strength varies depending on the individual's tissue composition. The percentage of people who have problems in heart rate measuring is considerably higher in a water environment than in other use.

subset: commoncrawl


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Bad news for pot smokers: double the stroke risk
Here's another compelling reason to think twice before lighting up a joint: Smoking pot may more than double your risk of stroke, according to a new study being presented here today at the International Stroke Conference.
In the New Zealand study, people aged 18 to 55 who had a stroke were 2.3 times more likely to test positive for marijuana in their urine than those who didn't have a stroke.
The study doesn't prove that smoking pot will cause a stroke. "But it provides the strongest evidence to date that a lifestyle that includes cannabis use is closely associated with a doubling of stroke risk," says study lead author P. Alan Barber, MD, PhD, a professor of clinical neurology at the University of Auckland.
Dr. Barber says he became interested in the topic after treating a young man with none of the traditional stroke risk factors, such as high blood pressure. The patient admitted he was smoking pot when the symptoms began. "That stimulated us to look at the medical literature where we found a sprinkling of case reports of one to three patients with no typical risk factors who were smoking cannabis at the time of their stroke. Among them was a patient who recovered and then had a second stroke when again smoking cannabis," he says.
Barber and his colleagues then decided to test young stroke patients admitted to their hospital for the presence of cannabis in their urine. The current study included 160 patients, 100 of them men, with ages ranging from 18 to 55 years. Only about 10 percent to 15 percent of all stroke victims fall into this age category; most are older, Barber notes.
Most patients (94 percent) had an ischemic stroke; 6 percent had a transient ischemic attack, often referred to as a TIA or mini-stroke. The results of their marijuana tests were compared to those from a control group of 160 patients matched for age, gender and ethnicity. The control group had not had a stroke, but had urine tests for various other reasons.
Results showed that 16 percent of stroke patients tested positive for cannabis, compared with only 8 percent of patients who had not had a stroke.
"We were fairly surprised that one in six stroke patients had recently used cannabis," Barber says. "Given the findings, we strongly advise that young stroke patients who smoke marijuana don't use it again."
The researchers also performed a second statistical analysis that took into account a patient's age, sex, and ethnicity. The only factor associated with increased risk of stroke or TIA was the use of marijuana. It raised risk by 2.3-fold.
A major problem with the study was that the researchers had no information on the traditional stroke risk factors in the comparison group. That proved particularly problematic when it came to smoking cigarettes -- a known stroke risk factor.
"We know that all but one of the stroke patients who were cannabis users also used tobacco. We do not know how much -- if at all -- people in the comparison group used tobacco," Barber says.
However, he says he believes the stroke risk is from marijuana use and not tobacco. "For starters, this is a young age group to be having strokes, and many didn't have any of the traditional risk factors. And some patients had a stroke while actually smoking cannabis," he says.
It also makes sense from a physiological point of view, Barber says. "We know cannabis can cause changes in blood pressure and heart rate that are associated with increased stroke risk. Importantly, it can also cause heart palpitations, [which can be a sign of atrial fibrillation]. And atrial fibrillation is very strongly associated with stroke."
The findings are especially important, he adds, given that smoking pot may be considered relatively harmless for your health -- "safer than drinking alcohol or using other drugs."
Add to that the fact that more than a third of states have legalized its use in one form or another, "and it's imperative to know the risks," says Barber.
Other research has linked marijuana to lung disease, heart attacks, and problems with brain development, he says. But proponents of marijuana note that other studies show no such links and that still other work has shown marijuana to have medicinal uses ranging from alleviating nausea to managing chronic pain.
"This is a very interesting and important observation," says American Stroke Association spokesperson Lee H. Schwamm, MD, director of stroke services at Massachusetts General Hospital and professor of neurology at Harvard Medical School, who was not involved in the study.
The real question, he says, is whether marijuana is the cause of stroke or representative of another risk factor. "For example, the impact of cigarette smoking may or may not be relevant; we simply don't know," Dr. Schwamm says.
Barber says his next step is to conduct a similar study where he gathers and takes into account information on tobacco use and other stroke risk factors in a larger control group.
Research presented at medical meetings should be considered preliminary until published in a peer-reviewed journal.


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On the heels of Thursday morning's announcement of the nominees for the 70th annual Golden Globe Awards, the hosts of the ceremony gave viewers a little taste of what to expect when they take the stage at the Beverly Hilton Hotel on Jan. 13.
The 40-second spot shows Tina Fey and Amy Poehler dressed to the nines in sparkling gowns and feigning faux Hollywood glamour accents. It's a performance that "will never get old!" exclaims Poehler. To the relief of both, it does.
Lucky for viewers, both were nominated in the best actress TV comedy category (Fey for "30 Rock" and Poehler for "Parks and Recreation"), which should offer up endless comedic fodder on the night. Especially after the winner is announced.
U.S. & World
The Golden Globe Awards, hosted by Tina Fey and Amy Poehler, will be broadcast live on NBC Jan. 13.


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Average Rating (4.70 Stars):
Geralee Matz
October 27th, 2020
Very pretty and sturdy coffee mug.
John Green
October 27th, 2020
Great mug for my morning coffee...........I hear the beat, every time I use it.................We all have memories of times in our lives..........Thank you.
Stephen Greefkens
October 26th, 2020
Came exactly how described. A very cool illustration and mug.
Ivan Rodwell
October 26th, 2020
Really pleased a great product
Diane Marcoux
October 26th, 2020
Very nice mug! Solid-and well made. Great photography as always from Ms. Turner!
Michael Moyles
October 25th, 2020
good quality
Xavier Church, Tucson, Arizona
I started photography at a very early age and became more serious about photography during my academic, scientific, and work related activities. Later, my business life caused me to travel extensively in the U.S. and many other countries. My camera was always with me, and I snapped many interesting and often very unusual pictures. In retirement, I became deeply and passionately involved in photography, and I am excited about the tremendous potential digital photography has. I hope my artwork brings pleasure to many and varied folks around the world. Doug
Our return policy is very simple:
If you're not happy with a purchase that you made on Pixels.com, for any reason, you can return it to us within 30 days of the order date. As soon as it arrives, we'll issue a full refund for the entire purchase price. Please note - Pixels does not reimburse the outgoing or return shipping charges unless the return is due to a defect in quality.
Pixels sells thousands of pieces of artwork each month - all with a 100% money-back guarantee. We take great pride in the fact that hundreds of thousands of artists have chosen Pixels to fulfill their orders, and we look forward to helping you select your next piece!
All coffee mugs ship from our production facility within 5 - 7 business days of your order.


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iPhone and iPad are the first mainstream mobile platforms -- of geeks and for geeks but not only geeks. Apple and Steve Jobs worked relentlessly to make computing more mainstream and more accessible, and they've succeeded. For some, iPhones and iPads are still the traditional mobile devices -- letting us stay in touch and get things done on to go. But they're also more -- they let us do everything from gaming to photography to music to medicine in ways never before possible. Because of that, beyond simply buying a phone or learning how to use a tablet, our community has grown to encompass so much more.
From concept to realization to rapid expansion, as Apple announced the iPhone, as they made it manifest, as they added iPod touch, Apple TV, and iPad to the iOS family, we've grown from Phone different to theiPhoneblog to TiPb. We've endeavored to bring you what you care about -- news, reviews, how-tos, apps, accessories, podcasts, videos. Everything.
But just like iPhone OS evolved to iOS to better reflect it's growing community, it's time for TiPb.com to evolve again to better reflect ours.Same team, same Mobile Nations network, only more.
You've seen some of that already. In addition to our flagship iPhone and iPad Live podcasts, shows that have always brought you the very best news and industry opinion, we've added Iterate for mobile designers, ZENandTECH to help center our inner geeks, Stock Talk and Enterprise for those in the markets and in IT, and we have more great new shows to come. We've started running developer spotlights, like DVD extras for the apps you love, and our Weekly Mods that show you how to change batteries, cameras, screens, and fix your own gadgets, and we have more great columns to come. We've started new iPhone and iPad in action forums, so you can discuss and get help with everything from videography to eBook reading to food spotting, and much, much more.
Steve Jobs believed that Apple stood at the crossroads of technology and liberal arts. We believe our community stands right there with them. More than technology, more than devices, we've come to lead mobile lives. We've come to do and need more. And with this new, faster, lighter, and more flexible site design, and more encompassing and meaningful name, we're going to bring you even more. More news, more reviews, more how-tos, more apps, more accessories, more shows. More everything.
We may earn a commission for purchases using our links. Learn more.
Apple Music TV is all music, all the time, and free for all
Apple today announced a new MTV-like music streaming channel – but you'll need to be in the United States to enjoy it.
Potential iPhone 12 Pro unboxing video shows super shiny, super boxy sides
Is this the first video of an unboxed iPhone to reach the internet? If it is, you're going to need sunglasses when you get yours.
Apple is extending its free year of Apple TV+ for another three months
Apple has begun emailing some Apple TV+ subscribers, informing them that they are extending their free year trial by another three months.
Protect your iPhone 8 without adding bulk with an ultra-thin case
Looking for an ultra-thin, super lightweight, barely-there case for your iPhone 8? We gotcha covered.


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A star-studded collection of rare short subjects featuring dozens of filmland's biggest celebrities!
Hollywood on Parade was a series of "celebrity newsreel" shorts by Paramount Pictures. Original musical numbers, comic sketches, and "stars at home" scenes, were often integrated with frame stories and publicity coverage of Hollywood parties and premieres. This volume includes the following:
"Fredric March hosts a musical revue with Mitzi Green, Ginger Rogers, Jack Duffy, and Eddie Peabody.
"Eddie Borden plays a Hollywood mailman making deliveries to various stars, including Mary Pickford, Bing Crosby, and Tom Mix. Mickey Daniels hosts, with appearances by Roland Young, Ken Maynard, Jeanette MacDonald, and Maurice Chevalier.
"Child stars Jackie Searle and Jane Withers present Barbara Stanwyck, Frank Fay, Kate Smith, Wesley Ruggles, and Arline Judge.
"As "messenger boy for a day" at Paramount's studio, Frankie Darro encounters Cary Grant, Mary Boland, Leo Carrillo, William Gargan, Claudette Colbert, Thelma Todd, Norman Foster, Anita Stewart, Gene Raymond, Richard Dix, Fay Wray, George Raft, Jean Harlow, Arline Judge, Constance Cummings, El Brendel, Jeanette MacDonald, Paulette Goddard, and Charlie Chaplin.
"The Motion Picture Theater Owners of America Convention enjoys appearances by Gracie Allen, George Burns, Adolphe Menjou, Cary Grant, Cecil B. DeMille, and W.C. Fields.
"On a bus tour of Hollywood, fans spot Ruth Etting, Jimmy Durante, Clara Bow, Joan Crawford, Jean Harlow, Randolph Scott, Gary Cooper, Fredric March, Jackie Cooper, Harpo Marx, and Maurice Chevalier.


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- Italian Yarn
- Sleeveless
- Slim Fit
- 72% Viscose 28% Elite
Model is 182 cm/ 6'0" tall and is wearing a UK 8 / EU 36 / Small Size item. Her measurements are 84-60-89.
You can exchange your item with another item of the same value, or return it back within 14 days of receipt of your goods.
For exchanges and returns, please follow the below steps:
We absolutely wish you to have the KNITSS garment you love effortlessly. That is why we are sending all the orders you purchase through KNITSS.com free of charge. So you do not have to consider about complex shipment fees, and only enjoy wearing your KNITSS garment.
All purchases you make from KNITSS.com until 2 pm GMT will be shipped within the same business day. All purchases you make after 2 pm GMT will be shipped on the following business day. We do our best for you to reach your beloved KNITSS garment in the fastest way possible, worldwide.
KNITSS.com online store is equipped with the most advanced 256 bit Secure Socket Layer (SSL) technology available today, to ensure the ultimate privacy of any information you submit. You can shop safely from our webshop. We never store your credit card information, and that's why we ask it every time you buy from us. Take a look at our privacy policy for further details.


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Prices shown on this page are estimated lowest prices only. Found in the last 45 days.
Airlines flying to Amman Civil - Marka are listed here. You can view route information for airlines that fly to Amman Civil - Marka, compare the prices of both low cost and traditional airlines which fly to Amman Civil - Marka and book your flights by clicking the links below
Skyscanner allows you to find the cheapest flights to Amman Civil - Marka (from hundreds of airlines including Emirates, Turkish Airlines, Qatar Airways) without having to enter specific dates or even destinations, making it the best place to find cheap flights for your trip.
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With dog theft on the rise, we try do everything as responsible owners to try to cut the risk to our best friends.
Our dogs are micro chipped by law in the UK which is fantastic.
We have dog tags, which are brilliant until they fall off.
Why not have your details embroidered on one of our dog collars. No more lost dog tags !
Personalised Fleece Dog Coats - Design Your Own Colours£13.25 - £28.45
Personalised Waterproof Dog Coats | Grey Camouflage£16.78 - £36.50
Home > Shop By Dog Breed > American Cocker Spaniel > American Cocker Spaniel Personalised Fleece Dog Blankets
(Details shown apply to the default selection)
Personalised fleece dog blankets in a stunning range of designer print fleece designs, for your American Cocker Spaniel.
Not one but two layers of soft and cosy fleece.
Choose from our selection of polar fleece fabrics and make your dogs personalised blanket totally the way that you would like it.
The reverse side of your American Cocker Spaniel fleece dog blanket will be in a thick cream sherpa fleece fabric.
Our American Cocker Spaniel fleece dog blankets, are soft and cosy dog blankets and are a versatile form of dog bedding which will keep any dog happy.
Machine Washable at 30C. You can personalise your dog blanket with your dogs name and choose the colour for the name.
Your personalisation will be embroidered in capitals, under your chosen design in one corner on the coloured side of your dogs blanket.
Feedback is important to us and our customers, not only on our products but on our service.
We would very much appreciate if you would take the time to leave us a review.
Be the first to Write a Review for this item!
Your order is important to us, we aim to your dispatch your order as quickly as possible.
To give you some idea of current dispatch times we have a rough guide below, but often we are quicker.
Royal Mail Post - Please take into consideration at the present time that due to coronavirus, Royal mail services are not running at normal times and there is delayings in post being delivered. We personaly would recommend first class post as although delayed it is a much faster service at the present time.
We work hard to produce and to dispatch your order within the timescales below but please be patient with royal mail and the staff as to delivery times.
(Dog Coats) Current dispatch time is approx 1 day.
(Embroidered Dog Collars & Dog leads) Current dispatch time is approx 1-2 days.
Bunting) Current dispatch time is approx 1 day.
(Bags and Bumbags) Current dispatch times are within 5 days.
(Dog Towels Blankets) Current dispatch times are within 5 days.
(Scarfs) Current dispatch time are within 5 days.
(Woolly hats & Beanie hats) Current dispatch times are within 10 days.
We offer two types of postage dependant on the value of your order.
Royal mail 2nd class : The slowest service.
Royal mail 1st class signed for : The fastest service with tracking.
Please do not ask for deliveries to be left in out houses porches etc etc as this will not be applied to.
Dog Coat Sizing
It is important that you measure your dogs length in inches.
To determine if this is the correct size for your dog, as all dogs vary.
For dogs that wear a harness they would need to be worn over the coat.
Waist Tummy Band Belt Length For Each Size Dog Coat
Adjustable Dog Collars
Measurements are in inches and adjustable within the sizes available.
Sizings should be taken as per our image below to determine the best sizing.
Our adjustable dog collars use a side release buckle, one end fits into the other end so therefore the second clip is not included within the measurement.
Please remember to use a contrasting colour for the personalisation on your collar, to enable the text to be clearly read.
Personalised Waterproof Dog Coats - ( Sale) Limited Stock£12.00 - £29.99
Embroidered Dog Collars Lightweight Range | All Colours£9.65
Personalised Fleece Dog Blankets - Tiny Paws Design - Sale£14.25 - £21.99
Personalised Waterproof Dog Coats | Pink Camouflage£16.78 - £36.50
Treat Bag Perfect For Dog Training - Crazy Dog Quotes£6.95
Personalised Dog Collar & Matching 40" Fleece Lined Collar Lead - Deep Red£18.00


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Act III, Scene 2
France. Before Rouen.
[Enter JOAN LA PUCELLE disguised, with four Soldiers] [p]with sacks upon their backs]
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Ready to explore the great indoors? Check out our See in-home options for virtual game nights for friends or our in-home scavenger hunts for families.
The Austin Team Building Scavenger Hunt is the perfect event for any group looking to bond through shared experience. Scavenger hunts are the perfect way for new and experienced employees to improve communication skills and building trust. Our team building games have custom roles and questions that are sure to make your day exciting. Spend your time with us, and we'll unveil an entire city to you in a team building exercise you're sure to love!
Scavenger hunts are the perfect outdoor team building activity for organizations of any size. Participants will work together to complete photo challenges, solve trivia questions and race through a custom-built course for a chance to earn the high score. Our writers and event coorindators will work with you to create the perfect hunt, including personalized questions and specialized roles, to deliver the ideal team building experience.
Your Austin team building package will give you an amazing time. You'll get some amazing memories and have plenty of pictures to remember them too! Highlights of the scavenger hunt include: the Texas State Capitol, the Paramount theatre, the Texas State Capitol, the Paramount theatre, the Texas State Capitol, the Paramount theatre, the Texas State Capitol, the Paramount theatre, the Texas State Capitol, and the Paramount theatre.
Every person in your group will have a role and be texted fun photo challenges and trivia during your team building game. Here are a few of the roles:
We specalize in putting on epic high quality activities'. Through our Let's Roam app we put on thousands of scavenger hunts and team building events a year in 250+ cities around the world. Our Scavenger hunts and apps have a 4.8+ star rating and thousands of reviews on each on Google My Business, Facebook, the iOS store, and the Google Play Store. Through the Let's Roam app, you will have access to 24/7 support, your event coorindators, and your custom challenges.
Every scavenger hunt we make is designed to bring teams together and help hunters see the city in a whole new way. Be prepared to learn something new and have a great time. Our software helps us customize your scavenger hunt to your tastes as you solve clues. At the end of your hunt, you'll be ready to do it in another city!
Your scavenger hunt will lead your group across town to the best-known landmarks as well as hidden gems. Along the way, you and your teammates will complete fun photo challenges, test your knowledge of local trivia, and solve riddles that will bring your entire group together. ScavengerHunt.com by Let's Roam is a great way to explore a new city or learn more about an old favorite. Learn how it works.
Our scavenger hunt tickets are flexible and can be used in any of our locations for up to two years. When you purchase as a gift you will receive an instant printable card for the recipient.
Capitol Sights & Downtown Gems will help you discover new exciting things, taking you to popular attractions and secret sites even the locals don't know about. We'll lead you to 'must-see' landmarks and treasures including: Texas State Capitol, Paramount Theatre. Need more details? You can find additional scavenger hunt information here.
Of course! We have a whole team of Austin team building experts at ScavengerHunt.com that can help turn the Capitol Sights & Downtown Gems scavenger hunt into the engaging, energizing team building activity your company needs. Our team can customize any team building scavenger hunt to include a tailored route, a special starting and ending location, custom questions about your company, and your logo. Click here for more info on how to start your Austin team building adventure.
It's easy! Start by buying scavenger hunt tickets from our store. Tickets can be used for the Austin scavenger hunt or any ScavengerHunt.com city scavenger hunt (we have more than 400 hunts in cities across the globe). After securing your tickets, choose the city you want to explore. Download the Let's Roam app (our awesome parent company), select your adventure/activity, and start your epic journey!
Our scavenger hunts take about 2 hours. You can pause your scavenger hunt if you'd like to explore a stop on the hunt or get drinks/food along the way.
Do the scavenger hunt any day from 7am to 10pm, even holidays! No reservation is required for groups of less than 20.
During your hunt each person will be texted photo challenges, trivia, and other activities for everyone to do together. We recommend purchasing a role for everyone in your group and kids over 6. If a person doesn't have their own device, you can have up to 4 roles on a single device. Our app will let you know when to pass the device to them when it's their turn.
Get 55% off on hunt and Annual passes. Hunts are available in over 300 cities and 27 cities around the world. Sale ends Thursday, 10/29


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4 Items
4 Items
Welcome to our collection of double edged safety razors, cut throat razors, straight razors, shavettes, Gillette compatible cartridge razors and razor accessories.
Executive Shaving has the largest, most comprehensive range of razors available anywhere online, with over 100 different models to choose form.
You can browse through our extensive selection of double edged safety razors, straight cut throat razors, Gillette Mach3 and Gillette Fusion compatible cartridge razors. We also have stock of Dovo Shavette razors and the Japanese Feather Neo FII cartridge razor.
We even have limited stocks of double edged safety razor heads from certain manufacturers. So you don't need to splash out on a completely new razor, just buy the head.
Not all razors shave the same way. Some are mild shavers, others can be close, assertive shavers, make the right choice with the help of our free, no obligation Ask The Expert advice service.
If you are the adventurous type try out a traditional cut throat razor or a modern day cut throat by Feather of Japan which uses disposable blades.
Our range of razors is the largest you will find anywhere online or in store. Select the type of razor you are looking for below then browse to your hearts content, if you need any help choosing a razor, please call us on 0141 880 3040, or email us at firstname.lastname@example.com.
Age Restricted Products
As it is illegal to purchase razor blades and razors in the UK when under the age of 18, by purchasing through our website you are confirming that you are over the age of 18, as per our Terms & Conditions.


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Cayenne Pepper Single Herbal Tincture 150ml
- Product Details
- £11.00
- Size 150ml
- Product Buying Options
Latin name - Capsicum spp.
Herbal Tinctures are an alcohol and water based preparation that are a traditional and convenient way to take herbal remedies. The herb is steeped in a mixture of alcohol and water for a period of time before pressing. All the benefits of the herb are captured in the tincture.
Dosage is normally between 1ml and 5ml added to a little water up to three times a day.
For precautions and how to use dispensed herbal products, click here
Caution: Caution in peptic ulcers, avoid topical application to broken skin, may cause gastro-oesophageal reflux.
Water, Organic Grain Ethanol, Cayenne Pepper, Capsicum
Allergen information: May contain: gluten, soya, nuts, peanuts, sesame, mustard and celery.
UK Standard (3 - 5 working days Monday - Friday)
- FREE UK standard delivery on all orders over £40
- £4.95 on orders under £40
- £1 Gift Voucher only orders
UK Express
- £6.95 Orders placed before noon Monday to Thursday will arrive on the next working day before 5.30pm, except certain postcodes. Not including Saturday or Sunday. Orders placed before noon on a Friday will arrive on the following Monday. Excluding Bank Holidays.
All UK orders
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text: Under Cabinet Lights Miniature Recessed LED Tape Light Puck Lights Light Bars Linear Track Accessories Specialty System Under Cabinet Lights have the ability to add that extra special touch of lighting that would secretly impress even the most critical of people. Make your cabinetry and its contents be the center of attention. Under cabinet lighting gives off a glow that inevitably makes people say "ooh" and "ahh" at all your possessions. Cabinet lights are perfect for accenting trophies, awards, china, crystal, paintings, antiques, or whatever your heart desires. Our under cabinet lights are divided into five easy to browse categories: Mini Downlights, Fluorescent Under Cabinet Lights, Halogen and Xenon Under Cabinet Lights, LED Lights, and Under Cabinet Lighting Accessories. Thanks to so many recent improvements to LED technology, under cabinet LED lighting has become an increasingly popular choice for lighting cabinets. LED bulbs are efficient, durable, environmentally friendlier, and have a longer life than standard incandescent bulbs. The efficiency offered by LED bulbs affords people the luxury of leaving on their decorative lights (such as under cabinet lights) for long periods of time, without the constant nag of wasting electricity. It's no wonder why many people choose LED for aesthetic lighting in cabinets and more.


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As a leading research institution, New York University strives to provide innovative, diverse and superlative instruction to our students, creating the future leaders of the global community. This endeavor recruits faculty from the top of their fields, inviting them to contribute to our mission of academic excellence and fostering the groundbreaking research and discovery that defines our University. Our faculty are recognized for their contributions, both in and out of the classroom, internally by the NYU community. Their accomplishments and research are often acknowledged externally as well, earning them accolades from the world's leading organizations.
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Pre-owned Rolex Oyster Perpetual Datejust Lady 26mm 69173.
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The afternoon knows what the morning never expected, cautions a Swedish proverb. When it comes to the economy and securities markets in 2013, smart advisors will try to anticipate what could be rude surprises to the unaware.
In this difficult economy and volatile market, that of course is not terribly easy. To help, our distinguished Research Roundtable panel has served up its best analytic thinking and lots of food for thought to forecast how critical situations could shape up next year.
Not that there's much agreement among the five panelists. But there is one certainty for 2013: uncertainty.
In mid-October, the experts held forth on the presidential election, the fiscal cliff, quantitative easing, economic turmoil in Europe and China's slowing economy, among other concerns.
Portfolio-wise, mega-cap stocks and the emerging markets sector are forecast to fare well; bonds—still stuck in a deep-freeze—not so much.
The byword for the coming year? In a nutshell, it's caution.
Here is what our panelists were predicting a few weeks before Election Day. The panelists are:
John Buckingham (Aliso Viejo, Calif.) Chief investment officer, Al Frank Asset Management, managing about $500 million in assets. Editor, The Prudent Speculator newsletter. Manager, the $85 million Al Frank Fund, with an annualized 10-year return of 10.83% through Sept. 30, 2012.
Kenneth L. Fisher (Woodside, Calif.) Chair-CEO, Fisher Investments, which manages $44 billion in assets. Forbes "Portfolio Strategy" columnist for 28 years. New book: Your 15-Minute Retirement Plan: How to Avoid Running Out of Money When You Need It (Wiley, Nov. 2012).
Nicole Gelinas (New York City) Chartered financial analyst (CFA) charterholder. Senior Fellow, The Manhattan Institute. Contributing editor, The Manhattan Institute's [start ital.] City Journal [end ital.]. Author, After the Fall: Saving Capitalism from Wall Street—and Washington (Encounter Books, 2009).
Jeffrey Gundlach (Los Angeles) CEO-CIO, DoubleLine Capital, managing $48 billion in assets. The flagship Total Return Bond Fund's annualized total return since its April 2010 inception through Sept. 28, 2012, was 13.94%.
Robert Rodriguez (Los Angeles) CEO-managing partner, First Pacific Advisors and advisor to FPA Capital and FPA New Income funds. Firm manages assets of $21 billion. FPA Capital's compounded rate of return from July 1984 through Sept. 30, 2012, was 14.6%. FPA New Income hasn't had a down year in 34.
What's the current state of the economy?
Fisher: In a relatively slow expansion that's less than people want.
Gundlach: Being propped up by government programs that get taken away.
Rodriguez: Languid and deteriorating. Everything that was bad in late 2009 is worse today. I hope that in 2013, we take some hard, stiff medicine to fight this lethal disease. We have manipulation in the capital markets by the Federal Reserve. I call it a form of price-fixing.
Buckingham: We're better off than most thought we'd be even though the overall rate of economic growth is still very much subpar.
Gelinas: Tenuous. On the good side, the housing market in a lot of the country has probably finally hit bottom. That's why you see a little improvement in consumer spending.
What's the state of the stock market right now?
Rodriguez: Delusional. Fundamentals are weakening. Market prices have been inflated.
Buckingham: We've had a tremendous rally in the last year, yet investors are scared.
Fisher: Doing just fine because the market has had an okay year.
Gelinas: We don't really know what asset values should be worth because they're being distorted by monetary policy. It encourages a herd mentality.
Gundlach: The Fed announced that their interest rate policy will be rigid for years to come. This leads to increased risk-taking: People think there's no interest rate risk and none ongoing.
What's your outlook for the economy next year?
Buckingham: The overriding theme is uncertainty, and uncertainty is generally the enemy of the stock market investor. Much depends on whether we resolve the fiscal cliff. Falling off the cliff would likely trigger a short-lived recession.
Gundlach: The only two questions that matter are the U.S. deficit and the peripheral countries in Europe. The risk lies with the fiscal cliff. We have a situation where, clearly, taxes must be raised or government must be cut.
Fisher: We have the infinite productivity pill: We've evolved into a world that can produce more and more out of less and less. I'm not sure that we can create jobs the way we once did. [But] we won't have a recession.
Rodriguez: Weak in the first half; real GDP growth will average not much more than 2%, and recovery in employment won't occur to any appreciable extent…. As I've said before, if we don't address the federal deficit and expenditures by restructuring in 2013, we will face a fiscal crisis equal to or greater than the one we just went through.
Next year is the most critical fiscal year of the last 80. If there are sizable reductions and restructuring, it will probably hurt the economy in the near term—but be better for it longer term.
Gelinas: More of the same slow-but-real recovery, as home prices continue to increase a little. We'll see jobs added but no superstar numbers. As for the fiscal cliff, whatever they'll do will be enough to avoid huge tax increases across the board all at once and massive cuts in discretionary spending. They'll probably move it off into the future again. They're borrowing money from future wealthy taxpayers at a pretty low rate.
Other thoughts about the housing market?
Gelinas: The biggest problem is: What's going to happen when interest rates eventually go up? They'll keep them low till 2015, but that will come [soon enough]. When are we going to start to worry about that, and what will it mean for the housing market—and for banks, for securities?
Gundlach: The housing market is likely to disappoint next year. The improvement that people have seen is somewhat artificial due to a mix shift. The high-end market, though, is legitimately strong; I expect it will outperform again in 2013.
What's your outlook for the stock market next year?
Fisher: It's very hard to find a bear market in recessions that start from a yield curve as steep as the one we have, which is relatively steep. But people will still be looking over their shoulder. It's like the boy that cries wolf: If nothing terrible happens, everyone eventually just gets tired of it. As John Templeton said, "Bull markets are born on pessimism, grow on skepticism, mature on optimism and die on euphoria." We haven't passed the skepticism phase yet; so we've got some time to run.
Rodriguez: If a grand bargain [fiscal agreement] is achieved, the markets will rally but on second thought, view it negatively.
Buckingham: Investors are positioned on the safe end of the spectrum. Returns will be more in line with the historical average of 9% to 11%, which is sensational in this environment.
Gundlach: The recipe for success for stocks and bonds is to expect more of the same but put on a low-cost hedge for very high volatility. The big danger is that markets are playing a "Beat the Clock" game—investing today based upon hoping for buoyancy in markets because of manipulation.
The reality is that some event is quite probable in the next year that will lead to a recession. So it's better to stay on the sidelines largely in investments to get clarity on the way in which the recession or action toward money-printing starts to affect markets.
Do you expect inflation?
Fisher: You don't have inflationary pressure unless you create money; and, in theory, money is created only when banks make loans. As the Fed buys bonds with QE2, QE3—QE 97!—it's flattening the yield curve. That's stupid to do because it makes banks less eager to lend. We've turned banks into something that's neither fish nor fowl.
So, then, what do you see happening in bonds?
Fisher: In a world where people fear inflation but inflation isn't there and the Fed is basically acting in deflationary ways, you've got not a lot of reason for bonds to move.
Rodriguez: The bond market, in very highfalutin terms, sucks! There are more ways to lose money in bonds today than to win. [But] the odds are greater than 50%-50% that interest rates both at the short and the long ends will be higher assuming that we have a different Fed chairman.
Gundlach: It will be difficult getting bond yields to rise in the U.S. based on traditional factors like inflation due to economic growth. As long as there is the wherewithal to manipulate the markets, the frozen picture that we've seen in bonds will continue.
Gelinas: The Fed is pushing for a bond market crash. It doesn't have to be next year, but how do you go from 0% to 5% without having something happen in the bond market?
Buckingham: If I had to invest in bonds, which, happily, I don't, I would probably invest in corporates and high-yields than in Treasuries.
What do you predict will happen if President Obama is re-elected, or if Governor Romney is elected President?
Rodriguez: If Romney is elected, I hope he has a fiscal crisis team put together to hit the road running the first week. President Obama should be doing the same. Whoever is president probably has no more than 250 days to deal with the grand bargain.
Gelinas: The election matters but not for short-term economics. The difference between these guys is slim. Basically, what we're arguing over is a percentage-point difference in the top marginal tax rate.
Gundlach: This will be the most important election that we've seen in at least a generation—maybe the most important for the rest of our lifetime because [you could] have a very different set of policies out of Washington.
If Romney wins, you'll be looking at government cuts and, potentially, tax cuts, believe it or not. You'll actually get policy movement, and amazingly high volatility in financial markets. But you need all three—the presidency, the Senate and the Congress—to be the same party to see the fireworks display. The likelihood of that happening is low. As long as there's no policy movement, we're stuck in this house of mirrors.
Fisher: If Obama wins, the Republicans will pick up Senate seats, but they won't take control; and you'll have a stagnated government. Markets actually like that a lot.
Buckingham: Muted reaction to the election because people have braced themselves for fireworks that I don't think will happen.
What's the biggest threat to the market next year?
Gundlach: A global banking collapse and panic. That would be disastrous.
Buckingham: More turmoil in Europe because that has been what's driven the markets in the last couple of years.
Fisher: Romney wins and wins big enough to have the House and Senate, enabling the start of drastic actions. Markets don't like drastic actions.
Rodriguez: The federal government—whether it does or does not do something—and the international economy. We have high risk factors in Europe, Japan and China.
Gelinas: Uncertainty over interest rates. By 2013, you can begin counting to 2015 by months. So if you're buying even a short-term bond, you have to think: What will happen when the Fed raises rates?
What's your forecast for corporate earnings?
Buckingham: They'll grow, though they won't be as strong as people think—but strong enough to support a growth in stock prices.
Gundlach: Weakening and softer. The biggest risk to corporate earnings is that they might be taxed.
Gelinas: They're going down. But I'm not too worried about that. They were up only because companies cut costs so much, and part of what was cut was people.
Fisher: Growth will be modest in revenue but stronger in profits because of the increase in productivity.
Rodriguez: Corporate profits are weakening. Earnings will be under pressure in the first quarters of next year.
What's your opinion of Federal Reserve Chairman Ben Bernanke?
Fisher: He's been too-cute-by-half at every step without ever adhering to the basic principles of money and banking.
Gundlach: His manipulation policy is doomed to fail.
Gelinas: He deludes himself when he thinks that what he's doing hasn't let the fiscal side off the hook.
Rodriguez: I view QE3 as dangerous, misguided and untested. The Fed [Bernanke] misdiagnosed the credit crisis from Day One. So my confidence isn't very high! [Quantitative easing] causes cancers that the financial markets will have to deal with in the future. I come from a school of: plan for the worst, hope for the best—not hope for the best and pray the worst doesn't hit.
Buckingham: I have to give Bernanke credit for at least steering the ship away from the fatal iceberg, and I don't think he's been too accommodative today given his twin mandates to maximize employment and minimize inflation. He's doing what he should be doing.
What will happen with the regulatory overhaul?
Fisher: Dodd-Frank is a negative, but not a big negative. My guess is that a lot of it gets gutted down the road.
What sectors and stocks do you like for next year?
Rodriguez: I'll speak for my FPA successors as well as for myself: No particular sector stands out. It's a hodgepodge of names. It's not about one sector looking great versus another. It's a one-off, one-security-at-a-time.
Buckingham: I like information technology and larger cap stocks like Intel, Microsoft and Cisco. I also like energy—companies such as Baker Hughes, Diamond Offshore, Royal Dutch. In industrials: Eaton or even a defense contractor like General Dynamics. In gold, I prefer to invest in gold mining stocks as the gold miners aren't properly reflecting the current price of gold—and they throw off dividends. Newmont Mining is a favorite gold stock.
Fisher: We're moving toward a world that favors the very, very largest stocks—those with market capitalizations over $80 billion. I want to be fairly diversified within that universe. You'll beat the market if you own half or more of these stocks, of which there are only about 70. They cross all sectors. This motives you to be overweight in technology, underweight in materials; overweight in health care, underweight industrials; underweight utilities, overweight consumer staples and energy.
Gundlach: Buying the equity markets of emerging markets is the way to go. The amount of money that you'll be able to make in emerging markets after a sharp downward movement will be the key to success.
Are you, too, optimistic about international investing?
Fisher: All of that is good. It's a bull market!
Buckingham: It will be attractive. And you can invest in [international] in the U.S. via ADRs. You can invest in companies that trade right here and still take advantage of global growth trends.
Rodriguez: If you have problems in Europe, China and Japan, I have a hard time seeing how emerging markets would do well.
Any other thoughts about China's economy?
Fisher: It isn't slowing by much.
Gundlach: China is slower than most people think. It's experiencing significant decline in economic growth—and China has been the big engine of world growth.
Rodriguez: A wild card. Some of the data doesn't look very good. But on the other hand, they have $3 trillion in reserves that they can throw at the system.
What's your best advice for advisors for next year?
Rodriguez: You have to be very careful of: "I have to do something because I'm not earning anything on my cash." Holding a higher degree of liquidity is important given that we're going into an unstable period economically and governmentally, I believe.
Gelinas: Focus less on politics, more on demographics.


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You have definitely exespod me to new artists. It is one of the few RSS feeds that I actually read (I have pared my list down to only 120 or so, most of which I just scan headlines ). Here' s to hoping things improve. Good luck, and keep up the good work.


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Investigators seized surveillance tape from a sports bar that Bobby Cutts visited June 13, the last night that anyone is known to have spoken with his girlfriend, Jessie Marie Davis, who is nine months pregnant.
Investigators seized surveillance tape from a sports bar that Bobby Cutts visited June 13, the last night that anyone is known to have spoken with his girlfriend, Jessie Marie Davis, who is nine months pregnant. Cutts, a Canton police officer who was off duty that day, came into Champs, a bar and restaurant on 30th St. NE, around 9:30 p.m. and didn't leave until 12:30 a.m., according to bar owner John Shaheen. "The FBI took the surveillance tape. Unfortunately the time of the tape isn't correct, but we were able to figure out how much it was off," Shaheen said. "He was there with a (male) friend of his. His friend got there first, and Bobby Cutts arrived about 15 minutes after that." The tape, Shaheen said, shows Cutts drinking beer. It also shows the men meeting two women. "About halfway through their time here, they (Cutts and the male friend) went out to the patio ... and the girls followed them," Shaheen said. Shaheen said he left Champs before Cutts did because the bar wasn't particularly busy that night. Shaheen also said he wasn't sure if Cutts left alone or with his male friend or either of the two women. "Who's to say what happened after he left here? For all I know, he could've went to another bar after he left here. He still had two more hours (until bars close)," Shaheen said. Nothing seemed unusual about Cutts' demeanor during his three hours at Champs. He arrived after he played in a Canton recreational softball game for a team called Mr. C. "He was like anyone else in there," Shaheen said. "There wasn't anything out of the ordinary at all." "I've seen him in there many times. He's brought (Jessie Davis) in before. She drank cranberry juice because she was pregnant." Cutts normally works four 10-hour days on the midnight shift. Preliminary city payroll records and Police Chief Dean McKimm show June 13 was one of his normal days off. He had worked from 10 p.m. June 12 through to 8 a.m. June 13, according to city records, before returning to work at 10 p.m. June 14 and finishing the shift at 8 a.m. on Friday the 15th. Cutts has been on paid leave since then. Staff writer Ed Balint contributed to this report.


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Consumers buy insurance for their homes, cars–why not retirement? Prudential demonstrated in a white paper released Monday what could happen to investors' retirement prospects if they didn't plan for the various risks that could affect their income.
Investors' abilities to work and generate income are assets that should not go overlooked, Prudential said in the paper. Even though the chance of premature death or a disability that prevents an individual from working is small, the consequences are "significant." Life and disability insurance protect against those consequences.
"Life insurance helps families manage the risks of not living as long as expected, while guaranteed retirement income products help Americans manage the risk of outliving savings in retirement," Bob O'Donnell, president of Prudential Annuities, said in a statement.
After retirement though, when income is generated not through an investor's ability to work but their investments and savings, they face risk from longevity, uncertainty and sustained low interest rates. According to the paper, for a 65-year-old married couple there is a 50% chance that one of them will live to 94.
"While the majority of Americans insure their most valuable assets in order to safeguard against significant financial loss, many don't think to insure their ability to generate lifetime income," O'Donnell said. "Today's guaranteed income products were designed to help protect retirees from running out of income in retirement, regardless of market conditions or increased longevity."
To examine the impact of those risks on retirement, Prudential performed a case study using data from Ernst & Young's insurance and actuarial advisory services practice and retirement analytics model.
"Jean" is a 65-year-old woman with $300,000 in financial assets and no future retirement income protection. The portfolio has a typical 60/40 equity bond mix and an investment management fee of 1%. She will take annual distributions of $15,000 to supplement her Social Security benefits.
Prudential ran three scenarios for Jean's portfolio, first looking at an environment with no market volatility or longevity risk. Prudential assumed an 8% investment return for each year of Jean's retirement, which lasted until the end of her life expectancy at age 90.
Unsurprisingly, Jean's portfolio lasted her lifetime under those ideal conditions, as her 7% net return (the investment return minus management fees) exceeded the 5% of her portfolio she was withdrawing. Importantly, her principal remained intact and increased each year, according to the paper.
However, adding market volatility and longevity risk to the second scenario increased her chances of running out of income to 21%. Prudential noted that an 8% return every year is unrealistic, and Jean could easily live longer or die earlier than her life expectancy says she will.
In scenario three, where a long period of low interest rates is added to the factors in scenario two, Jean's failure rate jumps to 54%. Citing Japan's two-decade interest rate low as precedent, Prudential assumed U.S. rates would stay at their Dec. 31, 2011 level throughout Jean's retirement.
Those scenarios resulted in significant shortfalls in Jean's retirement income. In scenario two, Jean ran out of income in 420 out of 2,000 simulations; the average shortfall for those 420 outcomes was over $158,000–that's over 10 years without the additional $15,000 she expected to supplement Social Security benefits, according to the paper. In the worst 10% of the simulations, the average shortfall was nearly $257,000, or 17 years without additional income. Looking at scenario three is even more alarming.
Of the 1,080 simulations where Jean ran out of income, the average shortfall was over $161,000. The average for the worst 10% of simulations was $348,000. According to the paper, that equates to 23 years without additional income to supplement Social Security.


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Circa 1920
A sterling silver open-work dish with crisply chased fruit and foliate details. Signed by the maker E. F. Caldwell. One unit having an engraved plate on the reverse.
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Overall: 1-3/4" h. x 10-1/4" w. x 8-1/2" d.
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At a time of nearly desperate negotiations to find savings needed to avert the fiscal cliff, ending the taxpayer subsidy–to the tune of $100 billion–of retirement savings accounts seems to many to be a no-brainer.
After all, a comprehensive and authoritative new study estimates that each dollar spent on the subsidy results in just a penny in increased savings. The study by U.S. and Danish researchers looked at Denmark's retirement system because it is similar to ours and because the Danish government keeps far more detailed data on saving patterns.
Conducted by Harvard economists Raj Chetty, recipient of the MacArthur Foundation's 2012 genius grant, and John Friedman, together with a team of Danish economists, the study found that only a segment of savers–those who are wealthiest–respond to tax subsidies.
But while this affluent cohort increases its retirement savings in response to subsidies, they reduce the amount they save in outside retirement accounts by almost the same amount.
Q.E.D., right? Harvard has apparently mustered ample evidence to demonstrate the futility of this particular subsidy, and Washington has achieved a sizable budget savings that presumably both parties can agree on; Republicans after all are looking to eliminate tax subsidies and Democrats are seeking to end favors for the rich, who derive the most benefit from the subsidy.
Alas, sometimes (maybe lots of times) the perspective of Main Street differs from the Ivory tower of Cambridge, Mass., or the ivory rotunda of Washington, D.C.
In an interview with AdvisorOne published Wednesday, Brett Goldstein, director of retirement planning for American Investment Planners in Jericho, N.Y., warned that small business owners of the kind his Long Island firm serves were likely to just shutter their 401(k) plans if contributions are capped.
"You can contribute to an IRA up to $6,500 and put the rest in an annuity. And you can save on administration costs and save on matching," Goldstein said.
At least one academic, University of Illinois professor Jeffrey Brown, shared this real-world worry about ending tax preferences for 401(k) plans.
Blogging for the school's Center for Business and Public Policy, Brown commended his Harvard colleagues' empirical findings but cautioned that the large tax subsidy is precisely what motivates employers to offer retirement benefits to their employees.
Brown's insight matches both the Harvard study–which says only a small cohort of the wealthiest people respond to tax incentives–as well as Goldstein's Main Street perspective that his clients are likely to just shutter their plans. (Indeed, Goldstein remarked that that's precisely what happened the last time Congress cut 401(k) subsidies in 1986, after which contributions fell 70%.)
Given that America's retirement system is employer-based, Brown argues that employers need a "compelling financial reason" to offer their employees retirement benefits.
Should Washington go forward with caps on retirement contribution, the effect according to Goldstein would be to increase the importance of IRAs and annuities as a vehicle for tax-deferred savings.
Mitchell Caplan, CEO of Jefferson National, known for its flat-fee variable annuities distributed through RIAs, framed it this way in an interview with AdvisorOne:
"The fiscal cliff makes what has always been relevant current." What was always relevant, Caplan specifies, is the need to save for retirement on a tax-deferred basis.
The annuity company maverick, vocal about the shortcomings of annuities and the need to re-engineer a useful product, says the industry has gotten away from Congress' original intent in authorizing the product's favorable tax treatment.
"Congress wanted to encourage people to save for their retirement. But the industry has turned it into an arms race of benefits and guarantees. Why can't we build for advisors a low-cost way for them to manage clients' assets and build wealth more effectively?" Caplan asks.
The annuity executive is optimistic Washington will overcome the fiscal cliff challenge. "I'll bet you a dollar there'll be a resolution at the end of December even if it's just punting the problem," Caplan says.
"The fiscal cliff creates more uncertainty, which leads to more upheaval … Markets don't like surprises," he adds.
Caplan offered one possible strategy advisors might do well to consider amid the current uncertainty.
"Think about asset classes that are noncorrelated. Noncorrelated funds are often tax inefficient. Why not buy those and put them in a tax-deferred wrapper?"
The Jefferson National CEO took off his sales hat and said that advisors should educate their clients on the imperative to max out on their 401(k)s and IRAs before investing in annuities. He put it back on and noted that once they have done so, his company offered 400 tax-deferred fund options at a flat fee that works out to 10 or 12 basis points on average invested assets.
Check out more stories related to the Fiscal Cliff at AdvisorOne, including:


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Subtle tones of cherry, tobacco and vanilla? A hint of jalapeño; coffee maybe? If only. Fine wines are so 2011. This holiday season, luxury candles are the rage.
"With complicated fragrances and prices that can approach $500, they are a long way from Mom's vanilla," according to The Wall Street Journal. "Swaddled inside gilded boxes that open up to release wafts of heady perfume, high-end candles make a popular holiday gift–especially for oneself."
The paper quotes Anthony Carro, proprietor of Candle Delirium in West Hollywood, Calif. (where else?), who claims sales of the $25-to-$85 candles he sells have grown 10% to 15% a year for the past five years. One reason may be that people are staying home more, he says. "Candles," he adds, are "kind of an antidepressant."
Calling December "show time" in the business, The Journal notes companies roll out limited-edition scents and boxed sets. Laura Slatkin, chief executive of Nest Fragrances, says her company rings up 40% of its sales from October to December. "People burn more candles in the winter," she says.
The paper adds that like wine, high-end candles contain more, and often pricier, fragrance. Wax and fragrance have to be compatible and correctly blended, or the perfume oils will "leach" unattractively at the sides, says Karen Solari, vice president of marketing at Symrise.
And as with the label on the bottle, packaging of luxury candles can make up as much as 50% of the cost of production, Naji Absi, president of Unique Candles, a Northridge, Calif., manufacturer, tells the paper. "The candle is actually the cheapest part," he says. "The minute you walk into the store, what attracts you is the packaging."
And just as Greg Norman and Francis Ford Coppola have with wine, more celebrities are getting in with wax.
The Journal specifically points to a candle from fashion designer Jason Wu, launched last spring, that comes wrapped in tissue and nestled in foam inside a miniature, golden-lidded shoe box. It retails for $48. And Sir Elton John has his "Holiday" and "Woodside Garden" offerings.
"Everybody wants to do a candle, and they wind up in a price range from $50 to $80," Carro of Candle Delirium told the paper. "That's a tough price point to be in if you're someone that nobody knows."
But a note of caution. Hangovers are tough, but so is inadvertently burning down a house. More than 15,000 candle fires are reported each year, the paper notes, meaning the investment could, literally, go up in smoke.


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Perfectly matched individual components form the basis for a wide range of variations, greater flexibility with planning and installation times.
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Shockley Honda Reviews is your Used Car Dealer Near Frederick 21704
Buying the wrong used car can mean some big problems down the road. You can't always tell what kinds of substandard aftermarket parts are used and you don't know what kind of structural damage might be just below the surface. Instead of worrying about your used car purchase come down to the worry free used car dealership at Shockley Honda Reviews near Frederick 21704. We'll take all the hassle out of buying a used car and leave you with the pure joy of driving off the lot in the car you want that's safe and secure.
A lot of other used car dealerships use aftermarket parts that aren't up to manufacturers high standards and could actually do more harm to your vehicle then good. At the Shockley Honda Reviews used car dealership we make sure every vehicle we sell has only the best parts that are quality and safety tested so you know you aren't getting something that's going to need some work a few miles later.
The Shockley Honda Reviews near Frederick used car dealership will make sure you know everything about the used car you're looking to buy. Did you know that an incorrectly replaced windshield can cut your cars structural integrity in a crash by 40%? We'll make sure you know exactly what happened with your car before you buy it so you don't have any unwanted surprises at the least convenient times.
One of the best used car dealerships near Frederick 21704 is always coming up with great sales events and special offers on used cars to make buying a used car at Shockley Honda Reviews easy as pie. We're always coming up with great new special deals just for you so keep an eye on our website for the latest new sales that just might be the little extra kick you need to test drive the used car of your choice.
Buying from a used car dealership doesn't have to be a long and stressful time. We're the no hassle used car dealership that will save you loads of time as well as money. Click on our Schedule A Test Drive, link and get the ball rolling today. Come in and test drive the car you've been looking at. We aren't going to try and sell you something you don't want or need like some of those other dealers. No hassle means we take away from your stress, not add to it.
Our used car dealership has a friendly staff that is ready and willing to answer any and all questions you might have. They're knowledgeable about all the newest brands and they can tell you whatever you need to know to find the best car for your lifestyle. We know what will give you best mileage on a long commute or the one that won't spin out on an icy road easily. We know these cars forward and reverse and we bring all that knowledge to you when you come by the Shockley Honda Reviews near Frederick 21704 used car dealership.


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Theatre Puget Sound is a trade and service organization founded in 1997 to
the spiritual and economic necessity of theatre to the public, and to unify and strengthen the theatre community through programs, resources and services.
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Theatre Puget Sound facility booking has moved. Click here to go to our new website


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Penn Museum Archives [Contact Us]
(Bulk: 1898-1960)
Extent: 16 linear feet
The American Section was one of the first to evolve during the early development of the Museum of Archaeology and Anthropology. The University Archaeological Association established in 1887 and later, the American Exploration Society, established in 1892, exhibited several small collections in College Hall before the building campaign for the museum began. Charles Abbott was the first curator of the section succeeded by Henry C. Mercer and then Stewart Culin who was also named Director in 1899. Each succeeding curator was responsible for adding collections, many of them representing their own expeditions in the United States, Alaska, Mexico, Central America and South America. Records in the files are dated from 1826 through the 1980s. The transfer of materials to the Archives took place piecemeal and without a central organization. The current re-processing placed the files into three series, Deaccessions and Loans, Collectors and Collections and Exhibits.


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AMC crime drama 'The Killing' isn't dead after all
"The Killing" will live another season.
AMC and Fox Television Studios announced Tuesday the return of this crime drama for a third season after months spent in limbo.
The show's stars, Mireille (MEE'ray) Enos and Joel Kinnaman, will be back, as will executive producer Veena Sud. Production resumes Feb. 25 in Vancouver, which substitutes for Seattle, the show's setting. No premiere date was mentioned.
The first two seasons concentrated on the murder case of teenager Rosie Larsen. The 12-episode third season will focus on and solve a new crime.
The show's revival, though surprising to some viewers who had given it up for dead, had been rumored for several weeks.
"The Killing" premiered on the AMC network in April 2011, and during its first two seasons averaged 1.9 million viewers.


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Michigan Activity Pass
The Michigan Activity Pass is presented by The Library Network. This project is supported in part by the Library of Michigan with federal funds from the Institute of Museum and Library Services. The Michigan Activity Pass program is a partnership between Michigan's nearly 400 public libraries and hundreds of arts and cultural organizations. The program is designed to enhance the learning experience for people of all ages through books and other library materials, and to provide reduced cost or complimentary access to arts and cultural organizations across the state of Michigan, from St. Joseph to Saline to Saginaw to Sault Ste. Marie to South Range, and all points in between. Library patrons can reserve and print their pass using a valid library card. Some cultural partners offer complimentary or reduced price admission; others, discounts in their gift shop or other exclusive offers for MAP pass holders only. Each Michigan Activity Pass expires one week from the date it is printed. We will have five passes available per week for each of the participating organizations. For more information and to check out a pass, click here.
Tickets & More: Detroit Zoo
We are pleased to announce that The Library Network has entered into a new partnership with the Detroit Zoo on a program called Tickets & More. Through the TLN Tickets & More program, library patrons can purchase discounted admission tickets to the Detroit Zoo, save on discounted memberships, and dining. You can even purchase a pre-paid parking voucher.