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A Conversation with Prudential
Through the TED Conversations platform, Prudential is partnering with TED to engage the community on the challenge of longevity and retirement security.
Christine Marcks
Prudential Retirement
This conversation is closed.
A conversation with Prudential: As people are living longer, how can we plan for a retirement that could last up to 30 years or more?
The Baby Boomers will be the biggest generation to retire so far in America. 10,000 people are now retiring every day. On average, they will face longer retirements lasting 20 to 30 years or more.
For a couple age 65, there is a 50 percent chance that at least one of them will live to age 90. But, according to the Center for Retirement Research at Boston College, 51 percent of households are at risk of not having enough to maintain their standard of living in retirement.
We live in uncertain economic times, with health care costs rising and guaranteed pension benefits in decline. How do we make sure we don't outlive our savings?
Prudential believes these new challenges demand new solutions to achieve better lives in retirement. So tell us: what do you want to do in your extended retired years? And, how should you plan for that?
Closing Statement from Christine C. Marcks, Prudential Retirement
Thank you all for a dynamic conversation over the past three weeks around how we -- as individuals, as financial services providers and as a society -- can help address the challenge of retirement as people live longer. TED Conversations is a new forum for us, and we found your comments and this experience very insightful.
I believe there are concrete steps people can take to better prepare for their retirement. For starters, workers can improve their savings and investing behavior. Secondly, participants in workplace plans such as 401(k)'s should try to include some sort of guaranteed income component in their retirement planning.
We will also continue this conversation in other forums, and will add to the national debate through white papers on our company's Research & Perspectives site, http://research.prudential.com/view/page/rp .
Christine C. Marcks
Prudential Retirement
Robin Patin
Apr 10 2012: Wow, I am somewhat surprised about the hostile tone people are taking towards the concept of retirement! Somewhat surprised, but not completely.
- +5
The whole concept of 'not working' for 30+ years is heresy in many cultures - especially American culture where people are told that they should work and contribute unless for some reason they can't (such as disability or very advanced age - and then there are people who argue that the disabled and old should work too).
The fact is that retirement made sense when people did physically demanding labor and their bodies shut down at 65. You can only dig ditches for so long before your knees, shoulder, etc gave out. In today's environment where many people ride a desk for 8 hours a day, retirement simply makes less sense.
I am for giving a lower retirement age for people who work 10+ years in physically demanding jobs (construction, etc) or who have severe health issues and making the retirement age 62 and raising the age for people who do not engage in physically demanding work. If you are sitting at a desk and have good health, realistically, you can work until 70 and beyond.
The real wrinkle in all of this is the obesity/health care epidemic. We are going to see people - a lot younger than retirement age - in their 50's who are incapacitated due to lifestyle choices such as poor diet, lack of exercise or smoking.
Personally, the only people who I know who look forward to retirement are people who hate their jobs and see retirement as a ticket out. They want to leave the workforce, but have no idea what they'll do with their lives once they retire. Part of the solution is finding work that is fulfilling and that you love while you are in the work force. Then you'll never want to retire.
Apr 16 2012: Well said.
It is amazing how immature many can be on these matters, not sure I exactly agree with your perspective, nor need of I to,, nor you for me too, however, personal responsibility and maturity in these matters is paramount. We are leaving Baby Boomers, and the Me generation in the dustbins of their own delusions.
Gail Armand
Apr 18 2012: As someone who sat at a desk and also maintained a healthy level of exercise throughout my "main career", I can tell you that desk jobs are not easy on the body. I do not believe we were designed to sit and work for long stretches of time. I am the ripe age of 61, nominally retired. That means I left my killer desk job for a life of my own design.
- +3
When we were still in grade school, we were being told automation would replace most jobs and we should prepare ourselves for a life of leisure. The 40 hour work week would go out the window. Instead, the reality was the 60 hour work week, for the professional.
I seriously doubt this will translate to the longevity projected for this generation. It is more likely the idea that over half of us will live to be 90 is the same sort of fable as the automation taking over work of people. Beyond that, the diseases of these times are increasingly autoimmune disorders that are episodic and debilitating. The source of which are for another discussion.Apr 19 2012: I'm retired, but.... I feel secure mostly because I'm a backpacker and in good health. Also because I've lived in poor countries and have seen on how little millions of people survive. Backpacking involves carrying your home (tent), bed (sleeping bag/pad), kitchen (alcohol stove), food supply, and 'emergency kits' (medicine, sewing supplies, glue, batteries, first aid items, etc) on one's back. Except for periodic resupplies of food and water, one just keeps walking. The 'ringer' is what happens in case of illness or accident. The answer's pretty simple (and look to the developing world here): you find care or you sicken and die. I think the real challenge of aging is not 'having enough to live on' but rather a more critical need: health insurance (or enough money to obtain treatment). I know and have known folks who are still working into their 80s, who have started successful businesses in their 70s, have hiked thousands of miles in their 60s, and so on. Retirement is simply a vacation. One can start it; one can 'retire from retirement'. And in the developing world, folks don't send out resumes or try to get hired. They just start making things or providing things that other people will buy! If they don't (and if family members won't take them in) they die. We all die. They just die younger. And so with folks in our 'developed world'. The biggest difference is that in OUR world we have expectations that are very high, whereas in most poor nations (and among their peoples) they don't expect as much as we do. The match their dreams to the possible. We might do the same.... That's an individual call, not a collective one. Relying on insurance companies, 401Ks, company 'plans', and even 'savings' are great ideas -- but humans should always have backup plans. I'm reminded of Russian 'retirees' selling junk on the sidewalks in the mid-90s. They did what they had to do....
Fiona Weir
Apr 18 2012: I am not expecting to retire, ever. I don't believe pensions will still be available in 21 years, when it would be time for me to receive one. And even if they are, mine will be too small to be useful.
- +3
Instead, I am taking my leisure time as I go along, by working part-time. I have only worked two-and-a-half years full-time in a working life of around thirty years. Currently, I work 2.5 days per week, and enjoy more time with my friends and family, doing many of the things that other people wait until they're 65 to do. Of course my children and I have to live modestly to be able to afford this part-time working pattern, but we do fine: I have bought my little house outright, I run a car, we have holidays, and we have everything we need - and more.
Retirement is such a precarious notion. I know people who stay in jobs they hate, dreaming about a happy future while they live in a miserable present. I know some who waited 30 years to 'live their dream' and found themselves too ill to enjoy it, or too tired, or (to put it bluntly) too dead. How much better to begin your retirement when you're still young enough to enjoy it!
Apr 20 2012: I like that concept of part time work , to enjoy what you have in the present . With the possibility of having to work for longer as needed. A bit like having your cake and eating it.Apr 25 2012: I am of a generation that just heard that my retirement age has been extended to 67. I have no doubt as the deadline looms that it will creep ever forward.
I like your thought that the concept of work - then retirement - has to undergo a fundamental shift in perception. I also plan on staying active as long as my health allows. I fill my days with volunteer activities and hobbies that I am passionate about. I enjoy all my days including the salaried ones. I suspect I will carry this same vitality and optimism through my sixties.
The concept that one is to work for others for a peculiar and particular life-sentence, deferring living for oneself afterwards has got to go. I suspect if I do officially retire, I will carry on hobbies and interests that may not provide a STEADY income but will fill my days.
To answer prudential, I think it is unfair to suggest that the vital young invest ever more for an extended
retirement".Apr 9 2012: The concept of "retirement" only came into existence in the 1880's in Germany and the life expectancy was 45. And I suspect when introduced the assumption was there wouldn't be too many takers. My guess is that in the developed world no one could have predicted the situation of life expectancy we face now.
What we need is a cultural shift in terms of how we deal with longevity, this involves educating the present twenties to the idea that they will face long lives. So that there is a need not just for financial planning but also health planning for the future. With rising health care costs personal healthcare budgets have already been mooted and I suspect life enhancing procedures will diminish as life saving ones increase to meet crisis points of care.
For myself the years may by extended , to describe them as retirement I don't think so. Revising my school maths is called for and balancing income and expenditure more crucial than before.
Somewhat to Jane Fonda 's use of the phrase "third act" I think in terms of life's phase 3 where it is possible to revise what is important at this point and work towards it. Reduced income maybe, reduced activity no. One thing to consider is that with the baby boomers, is that never in human history has there been such a bugle of wealth and experience been present. So the call is not just to become gray nomads but to aim to replicate this bugle of wisdom and experience into the future.
Apr 19 2012: What we need is a cultural shift in terms of how we deal with longevity. Yep.Apr 9 2012: If you're in good enough shape to last another 30 years, you don't need to be retiring anyway. You retire when you've either made your pile, or you can't work anymore.
Apr 10 2012: I disagree. Most organizations have a set retirement age of around 60-65 yrs. You cannot be a part of the organization after that. And chances that you'll get yourself a job at 65 are very slim.Apr 21 2012: Hey, I got a brilliant idea but I am not sharing. You are an insurance company, your experts should know better!
Anne Dagen
Apr 16 2012: Part of the question is, what could the pension funds do to provide a better product?
- +1
If there are experts in the field of long term investment, a very high proportion should be employed by the pension funds, and they should be considering a number of factors, such as:
- pensions are long term products with a lifespan that can easily reach 80 years
- the more money taken out of funds to finance overheads and salaries and bonuses, the less there is to pay pensions
- there are year cohorts where life expectancy peaks but it then drops off
- investment markets are volatile
- economic cycles are volatile
None of these facts should surprise anyone, less so an organisation with access to actuarial skills. So ahve pension providers been attracting people to their products by making promises which they were unlikely to keep? Or perhaps the pension product is no longer a good way for a person to invest for their retirement.
Apr 16 2012: Anne, you are correct in saying that defined benefit plans – or pension plans – have been a great way for workers to save for their retirement. But in America, they are steadily being replaced by defined contribution plans, specifically 401(k) plans in the private sector.
That being said, in Europe and to some extent in the US, pension fund managers are looking at new solutions to transfer risks such as market volatility, longer lifespans and delayed retirement to insurers such as Prudential, so that companies can keep the pension promises they've made to their workers.
These pension risk transfer solutions are important innovations for the retirement industry, for employers, and for workers alike.Apr 9 2012: Stop worrying about your retirement -- it may never happen! Only SOME people will live longer!
Most of us will exit to the happy hunting ground younger than our grandparents generation. Insurance companies are projecting forward using the longer lives of the generations born in the 1920's, 1930's and 1940's. These people grew up eating real food - in moderation, doing regular exercise since cars were not so prevalent, and they also benefited greatly from advances in basic health care, especially due to antibiotics and improvements in maternity care. So, it only seems that more people are living longer while these pesky pre WW2ers are kicking around - looking all fit and sprightly into their 80's and 90's…
As the couch potatoes, obese, chain smoking, drunk, drug taking (pick your poison) post WW2 generations get older, many more lives will be cut short via cancer, liver disease, heart disease, diabetes, stroke, over dose - not to mention drug resistant bacteria such as MRSA and drug resistant diseases such as TB.
The raising of the retirement age will only result in more people dying at work.
Only bother taking out an enhanced retirement policy if you've lived as the Amish do - otherwise…continue as you are and quit worrying - it's bad for your health.
Apr 10 2012: It would be interesting to see what the WHO have done on forecasting trends in life expectancy due to all the modern excesses of the developed world. Glad you made this point - its part of the wider picture which hasn't been fully explored.Apr 29 2012: I think we should focus less on the traditional concept of retirement, as a time when someone does not earn any money. More and more people will need to earn money into their 70's, and the real question for me is: what jobs will be available for those past 70, which still earn a reasonable wage? Most over 70 won't be able or willing to travel, work 40+ hours or have the strenghth or health to do what they were able to earlier in their careers. I see it as a duty of governments and big companies to design jobs targetted at the older employee, enabling them to work for as long as they want (within reason). I assume technology will bring a lot more flexibility than we have today. I think we are at the beginning of a change in jobs design in organisations and everyone's view of retirement.Apr 28 2012: Continued investments...
Worried about healthcare? Leave mainland US and invest yourself in a better society where people have realised that healthcare should be free to all.
Worried about fuel costs? Buy your own renewable electric generation and adapt.
Worried about fundamental problems in society? Get involved in a personal way - make a difference.
Worried about cash flow? Learn from transititon towns about how some money systems are surplus to requirement.
Whatever a money-seeking capitalist wants to worry about will be much greater than any one else, that's the problem with focussing on an abstract solution for concrete problems. (especially if the focus is purely abstract)
Apr 29 2012: i don't get why do you recommend different solutions for different products? for healthcare, you recommend state granted mandatory insurance, for fuel, you recommend self service. why don't you want state provided free energy too?Apr 28 2012: Planning for retirement, in my opinion is a waste of time. Why, because all it takes is 2 or 3 visits to the emergency room and health care costs can eat away your savings within a few years. In the end most of us who are not filthy rich will lose most of our savings and assets to health care related services. Research the issue.Apr 27 2012: I have to agree with Jose, but I would like to propose what I would see as the best solution. It's not real to try to find a way to increase the retirement pension to be able to last 30 years. That's not the idea of a retirement pension. The idea of it, is to have something to live of when you reach a point when you can't work anymore. My grandfather worked after the retirement till he was 76. He did it because it was good for him not for the money.
Considering these two ideas, I think the best solution is to raise the retirement age unless there is a health condition that unable the person to continue working and offer a retirement pension that works progressively. A plan where after a certain age the person starts working less hours or he retires from his job and the company that provides the retirement plan offers him a job that is designed for this plan, like a freelance work of their specialty. That would allow them to stay active, to continue contributing to society and earn money.Apr 26 2012: Looking inside lifespan increases we see that mental and physical healthy years increase too. So I think people should find ways to extend his working years while decreasing the hour per week ratio. That approach is a progressive social change. This change in the society seems more sustainable and gratifying than trying to live the last 30+ years from rents of investments.
(I'm talking from Europe where people work 40h/week till 63 or 65 years old)
Apr 28 2012: i couldn't agree with you any more. i'd like to say that this idea could not only help resolve the physical problem,liking short of money,but also enrich the elder everyday life, it is like a double-return solution.Apr 26 2012: The most important factor is communication, and all forms of media can be used to educate. We need more objective information. Unfortunately, our government is the largest impediment. The Federal Reserve's policy of artificially repressing long-term interest rates to boost short-term economic results in an election year, and to encourage more home purchases, is disastrous for savers and for pension plans. In past economic recoveries, long-term interest rates were about 5% higher than they are now. That equates to $20,000 in additional income each year for someone with a $400,000 retirement nest egg. Pension plans are facing enormous shortfalls in funding as a result of these lower rates also, impacting government and private sector plans which need to now require higher contributions and reduce benefits. This is not being effectively communicated. The good news is that it will not last forever, long-term rates should start to rise in the next couple of years. How do we convince our government to be more honest about the downside to its policies?
Ron Beasley
Investment Advisor
Apr 26 2012: suppose the interest rate goes up. how will the US government renew the maturing t bills/notes/bonds? not even massive cuts, which are unprecedented, could help fast enough. what can prevent a default?
and here we are, on topic. in your retirement plan, how much t-stuff you have? in case of default, how much you lose?
Ron Beasley
Apr 27 2012: That is a separate, but valid, issue. It will be tricky to unwind all that low interest rate debt, and the fed's balance sheet. I hold no treasuries, they are one of the worst investments one could make at this time, in my opinion.
- +1
Apr 28 2012: i wonder if prudential holds, and how muchApr 25 2012: As we draw this conversation to a close, I'd like to hear your ideas - how can we leverage the power of digital tools and social media to make more people aware of and actively engaged in securing their own future? What emerging technologies could help people become more aware of the need to plan for a retirement that could last decades?Apr 21 2012: A pretty far-sighted approach in my opinion.Apr 21 2012: As someone who has practised as a financial adviser in the UK since 1986 it's clear that the path most people are on with regard to planning for retirement is wholly inadequate. In the UK the average pension fund for a retiree in the private sector is less than £30,000! We have been seduced by those that went before that retirement at 60 or before is a realistic option. Unfortunately the war generation like my own mum have had such a good time in terms of healthcare, pension and state assistance that younger people believe they too can have this. They can't and they won't. Retirement will be an experience for those in their 70's at the earliest. Governments needs to create 'sinking' funds for future retirees and investments need to be made for retirement from birth! Those investment need to be locked up until age 65. Access is not an option and compounding can then really work it's magic!
Apr 21 2012: and what would the government do with that money? where to put it?
Apr 22 2012: The initial saving would be done through an established company and not government as they can't be trusted not to spend it!
Apr 22 2012: you said "government needs to create".Apr 21 2012: Education is primarily important. People should try to learn the basics of financial management so that others wont be able to dominate their thought process while selecting an investment plan.
Keep a certain portion of your money invested in government securities that will ensure that it does not bite the dust (even in times of recession.)
Cut out on the unnecessary expenses (it varies from person to person) and invest those savings wisely.
Try to go for multiple sources of income by utilising your free time in developing your creative instincts and being updated with the developments in the economy. This is will yield results in the long run
Invest in the stock market in long term securities. They are generally low priced in the beginning. Go for short term stocks as well but make sure you quit after a desirable return on investment. With proper planning your investment will definitely multiple in the long run.
Apr 28 2012: Exactly, it seems like you got a pretty good ideas for the current dilemmia, but you know, "easy said than done", a smarter investor would definitely have a reasonable investment portfolio, there are several problems here, first you need a big fortune which is the basis before you do a package inves,right? and you know stock market is always a competitive environment involving all kinds of people ,of course, has winners and losers ,it could not make sense everyone wins all the time, or the whole economy would blow up .Apr 20 2012: The secret of surviving in hostile environments is not primarily about planning. (There's a famous quote, paraphrased from Helmuth von Moltke's "On Stategy": "No battle plan ever survives contact with the enemy!"). Surviving is much more in line with Charles Darwin's statement that ""It is not the strongest of the species that survives, nor the most intelligent that survives. It is the one that is the most adaptable to change." The toolkit is one's mind! Imagination, flexibility, self-discipline, keeping one's head when others panic, and so on.... A successful retirement (as any other project) has little to do with what one HAS, and is all about what one IS.Apr 20 2012: It has been very interesting to see how this conversation has progressed over the last 10 days. Your perspectives on lifestyle in retirement, or for that matter, lifestyle decisions made in the present that will affect one's retirement have been great for me to hear. But, I wonder, when is the last time we assessed if we are on the right track towards having "enough" (which I realize is very subjective) to afford the retirement we envision? Who are we asking for help or having discussions with about this topic?
Planning for the retirement demands that we not wait until that day is imminent. More than ever before, as Kevin Goodwin notes, individuals will have to own the creation of their retirement security, with advice, guidance and solutions from their financial advisors and financial services providers.
Apr 20 2012: In an increasingly unstable (Western) world, it is increasingly difficult to see and plan beyond the next year never mind for some time in the future that maybe a never, never land. Can you tell me what percentage of people actually plan for these years?
I suspect in the developing countries planning for retirement is a luxury of thinking that few engage in. For some planning for old age is limited to having enough children so that one of them will survive and look after me when the time comes.
Apr 20 2012: I'd go a bit further, given the fact of increasing instability of the world. I wonder if we aren't living in something like the years of the Weimar Republic. What German in 1928 would have predicted the partition of Germany, the capital (Berlin) in ruins, armies from Russia, France, Britain and the U.S.. occupying the (partitioned) nation, millions dead (counting both troops and civilians). For reasons unknown, humans tend to project the recent past and the present into the future. Incredible! And now we have nuclear proliferation and biological and chemical agents unknown in 1939-1945.... Still, folks try to 'plan for the future' as if it weren't a mostly futile project. I heartily recommend to all Nassim Taleb's work, "The Black Swan", if only for his depiction of starting his life in a peaceful and prosperous Beirut -- and the fantasies the adults surrounding his life entertained about the nation of Lebanon "returning to normal" (as if there were a 'normal'). Great book. LApr 20 2012: I think by raising products/services their prices, to save the extra corporate fiancial income to save money via the governement for employees and independents their retirement.
But something else I think of now is to buy a house, pay it back to the bank, to sell it at a certain stage of retirement and to go and rent an appartment.
And last but not least I now think of living healthy, as healthy and preventing as possible. To practice health tips and local product stores and services(like swimming and mental excercise clubs) as well as possible.
(copy paste this one)
Apr 28 2012: cool ideas, i have to say you got a pretty stimulating answer for the problem,and in some extent it does make sense, the rate of rising housing price can not be beat in the society,so investing the real state is definitely a good idea for keeping your money updated. but only a problem here now real state market has alreadly been full of speculating things ,and if these people join them and do some so-called suppport there ,i wonder the world economy could survive or not under such environment .Apr 20 2012: Having thought this over a bit now, my main thoughts are that retirement plans address an uncertain future, and the exigencies of the present tend to trump those in a tight pinch. The beauty of the Social Security system is the money is saved untouchable.
If a person has both the discipline and the means to set aside money on a regular basis and simply leave it alone in a safe interest bearing account, that is a good retirement plan, in addition to whatever they may have through an employer. I personally nicked into every retirement plan I had, as life presented both opportunities and emergencies. So I was able to buy a condo after a divorce, buy a house when the condo lost its value in an earthquake and we needed to move, save the life of my daughter when medical insurance was not enough.
Those on this board who are 20 something and outraged or older and blessed with personal wealth may not realize that voluntary savings plans work out great when there is excess, but when you need more, you do tap the savings, and pay the penalties. You are grateful you can do it. And you do not think of it as robbing your future self. All the plans you make never can take into account what you cannot guess at that lies around the corners of time.Apr 20 2012: As a family physician I have learned that few of my patients other than government workers with pensions expect to retire. Most of my patients believe that they will work until they are sick, confused, or 80 (whichever comes first).
They expect that they will need those years to compensate from lost income from DIVORCES first, and poor investments
second. Government workers expect to retire after 30 years of work. If they are lucky enough to start work at age 22
they expect to collect 30 or 40 years of pensions.
With the poor investment options available (see the Economist cover article..."No where to hide")...most people can no longer count on investments to permit retirement. So the solution to the Social Security question "how can we afford this"...well...people will not retire until they are very old...or very frail.
Apr 20 2012: i would point out that government workers are having false hopes. government promised them money, but where will they get it? what if the government finds out that these promises can not be kept. what if they cut it heavily? either through direct cut, or lying and deceiving (like inflation). because promising is easy. i can promise myself.Apr 20 2012: One type of barrier to effective retirement planning is psychological -- we humans procrastinate, undervalue the importance of events happening in the future, and cling to familiar habits. Our Center has an interactive tool -- "Curious Behaviors that Can Run Your Retirement" -- designed to educate people about these behavioral barriers. It's available at: http://fsp.bc.edu/curious-behaviors-that-can-ruin-your-retirement/
Apr 20 2012: conscious decisions are procrastinated. but exactly as you have said, habits are a big factor. if there is a widespread behavior in society to save, young people will save too.
this is why it is important to make the issue of saving central, debated and personally taken care of. it should be a part of everyone's life. as opposed to delegated to governments.
Apr 22 2012: Krisztian,
Good point about saving. It needs to be instilled in people at a young age and conducted as a routine activity that everyone naturally engages in. And saving has two key advantages -- the familiar one of helping you accrue assets to tap later and the less familiar one of reducing your consumption today so that your expectations for how much you need to consume are kept in check.
Apr 22 2012: that observation about keeping consumption in check is spot on. savings can serve as a shock-absorber in the unlucky case of a sudden downturn. it can even out a smaller bump. and it can give time to adopt to a greater change.Apr 19 2012: Krisztian...you hit on the key point. Ultimately we need to be responsible for our own financial well-being. Using the services and investment vehicles of a company like Prudential are great, but they can not and should not be our only method of managing our finances. Any investment can go belly up. Any service can fail. We must manage our finances and make adjustments where and when necessary. As you said, it is not enough to give our money to someone else to take care of it.Apr 19 2012: Christine, I can appreciate the benefits of variable annuities and continued "guaranteed" income. The key question is whether that income meets or exceeds the rising cost of life in retirement. It may keep pace with status quo retirement life but all it takes is one event (medical emergency, new medical condition, car accident, home repairs) to push one's expenses beyond what a fixed income annuity can provide. I don't de-value annuities. They are smart investment vehicles for the cost-conscious. That being said, other vehicles of income are still needed. Unless a person has amassed so much wealth that they can live on the interest and use the principal in case of emergency (most people will not reach that level), continued income (at or near the level of their working income) is really the only "safe retirement".
Apr 19 2012: there is a much deeper problem with it, and you very well put the word guaranteed in quotation marks. who guarantees it? how it is calculated? in dollars? in gold? indexed by CPI? what if the company can not deliver? what if they go bankrupt? what if the state goes bankrupt? what if serious budget cuts are needed, and part of it is reducing government guarantee? what if the state goes bankrupt, and all bonds become worthless? what if housing prices fall to oblivion?
we need to hear about these. it is not enough to give our money to someone else to take care of it. we need some convincing arguments why they can succeed? what do they know that we don't? why give them our money and not someone else? or why not just buy gold or stocks on our own?Apr 19 2012: You can adjust the values you enter to see how investment amounts and ... Invest and grow your retirement savings to make your money work for you. ... People are living for longer than ever, this means you need to plan for a longer retirement. ... in order to draw an income that will last you 30 years of living without working as web application developer.Apr 19 2012: Dear Christine,
Regarding your question, I'm originally from Palestine / west bank, and due to the difficult situation there on ground, my retirement plan is safe money now, to buy my own small house, and to buy my own clinic (as I'm a dentist) and to start working in that clinic, till the last day in my life. And if i were lucky and managed to save more money i may start a small project to support me more in the future.
Simply that was my plan :)Apr 19 2012: Scaling at community level, there are sadder realities (or just unconscious of side-effects), when looking into the multi-dimensional practices people deploy, mostly based into a culture of slided or transferred meaning:
- using retirement to design towards a guaranteed income
- thinking that if they use retirement and mean about them (retire from something), might be absolved of guilt (did not McLeod" or take anyone else out). Issue is what are people around them thinking, community impact of terms, etc.
Re-engaging seniors into the workforce (subsidiaries, internships, think-tanks) would:
-help as a counter-strategy for generational conflict
-synchronize, overlap multi-generational knowledge, speed all kinds of learning
-provide enough care, rejuvenation, ergonomics, rehabilitation etc projects for the health-care to slow resources into disease-creation and secure their survival from serving human life quality
-isn't it about time for some all-generational success stories to kick-ass of the top 40 under 40 charts, that define success under 'boom or bust' life pressure?
-Would rebuild some lost trust into the system, as people might in time be more willing to 'let go' for a while.
That's just one strategy of many. Location specifics may matter as well. Looking at the world historical changes, and recent US turmoils, looking at their current political 4 years cycles and their mormonic roots, that would link into another conversation.Apr 19 2012: I can envision wonderful possibilities, yet cautionary at the same time with the retirement situation.
At macro-economic and social level, my positive mind would link it with re-engagement, re-juvenation and life optimization projects. Simply looking at the numbers presented, 10,000 retirees per day=300.000 per month ~= 3,600,000 per year. Cross-referenced with USA total population of about 308,000 (x1000) from Wikipedia, it ironically represents about 1% of total US population. Some may see retirement from retirement is a gloomy way, I, as a witness of senior 're-sparkling alive', would advocate for re-engaging willing seniors back into work-force. (California pioneering senior re-engagement programs come to mind). Enthusiasm towards long-living is most likely to ripple effects into enthusiasm for living, planning life wisely even into younger generations. A design-backfiring caution would be of what people thought when they retired in the first place (if they thought a young on e got a job because they retired, can they be brought back into action while maintaining existent workforce?) An even crueler question, is it worth it, when there are still young ones, capable of work, unemployed?
Still at larger spectrum level, from the Asian retirement dilemma presented in the "Elephant & Dragon" book, with longer-living asian families of 1:2:4 (one child - 2 parents - 4 grandparents) ratio, makes me realize that individual goal-setting for retirement needs to be at an incredibly higher level to be able to provide for 4 long-living parents (in the ideal conditions of having all siblings or children self-supportive). This may change the individual-planning mentality.
Scaling at community level, there are sadder realities (or just unconscious of side-effects), when looking into the multi-dimensional practices people deploy, mostly based into a culture of slided or transferred meaning:
- using retirement to design towards a guaranteed income
thinking that if they useApr 18 2012: As an engineer, this talk about the lack of financial stability, and the risk with investment portfolios is somewhat unreal to me.
We are in dire need of real investment into real infrastructure projects that are larger and take longer than ever before. Just have a glance at Exxon's investment plan for the next 5 years, which tops $100 billion, and includes many single facility construction projects that run >$5 billion. For energy in particular, we need major investment into new technologies at scale as well replacement of our existing infrastructure reaching the end of its life. Many of these projects have very good prospects of return, and taken as a whole, will certainly produce a good revenue stream. But as an individual we don't have access to these. Buying the Exxon stock is to pay far more for this capital than what it actually cost to build. At the same time, projects like new nuclear plants that we desperately need and produce one of the most stably priced commodities out there (electricity) can't get funded.
Do we really live in uncertain times? If we do, we have ourselves to blame for it. It is actually very baffling to me that we have not managed to solve the problem of reliably saving for retirement. If you think about it, since capital is needed to produce so much of our consumption, one would think that the physical means to produce everything we need for retirement years could by and large be produced in our working years. It's such a simple concept, it seems baffling that we talk about it as if it's so hard.
Apr 18 2012: as a fellow engineer, i understand your shock regarding the mess in the financial and investment sector. but believe or not, this shock is quite capable to get much much bigger if you actually learn what governments tried to do all around the globe to fix the problems. it boggles the mind how did they hope it would work on any level.
i was in your shoes in 2009. i was eager to understand the meltdown. but i wanted to understand it as we, engineers mean understand, and not like economists. so i wanted clear terms, clear statements, backed up claims, and such. i was unable to find for a long time. then i came across a 100 years old theory of economics that actually can explain what's going on in the world, why investments failing on large scale these days, why investors afraid to invest, why we built thousands of houses that are empty, why we don't save, how the efforts to "tune" the economy actually destroyed it, why we have inflation and so on.
for an engineer, understanding is always good. but that understanding certainly does not relieve the shock. it deepens it.Apr 18 2012: Being a financial educator and regularly sitting with middle income families, a common monthly retirement figure which 9 out of 10 couples usually say they will be happy to live with, is £1,000 per month (UK). They are many ways in which this amount or more can be achieved and as a no brainer, the earlier one starts, the easier it is to build something which creates this amount, whether it be a pension, equity funds, property income, residual income etc
The state provides a measly £30 a week or so. We need to learn to be more responsible for our financial future and this really needs to begin at school/college level. Most of it is common sense but is not often common knowledge nor common practice.
Apr 19 2012: Jon, I definitely agree that there is more room for financial education about retirement. That said, part of the challenge is that a lot of information is already available to people, but either they're not using it, or it's not impacting their financial behavior. May be information overload. We are trying to figure out a way to either encourage more people to draw upon the available information or come up with simpler solutions to impact retirement savings behavior. Sometimes, giving people a chance to interact with a game or tool helps. For example, we have a retirement income calculator, which translates current or future savings into retirement income that has had a significant impact on the amount people contribute to their retirement plans.Apr 18 2012: Ok, so with all the gloom and doom, you might ask what I recommend? I recommend getting into some form of business that you can readily manage in your retirement (investment real estate, ATMs, or storage facilities, come to mind) where you continue to have income through a low-involvement business. I would also recommend having ALL debts paid off well before you retire. That means mortgage, car, college loans, personal loans, everything. You can't win if you have debts that grow faster than your income. Lastly, get into the habit of eating healthy, exercising regularly, and sleeping more. These three things will do much for maintaining your health and, in turn, your wealth.Apr 18 2012: Maintaining "their standard of life" in retirement. Let's just look at that statement. Maintenance often means that something is being done. If someone is truly retired and not-working, then some other form of income must come in it's stead. Otherwise, there is no maintenance, even if all things are equal. If there was perfect Social Security, not in danger of bankruptcy in the near future, that standard still couldn't be "maintained" because the cost of living (inflation) rises faster than interest rates.
Without having a steady and unyielding form of income (like a job or a passive income business), no method of maintenance can hope to keep up with the cost of living. Next, add on the added medical expenses that accompany a person's senior years. The reality is that it medically costs more to be a senior and lack of mental and physical exercise (like one typically gets when working or managing an active household), causes ones capacities to dwindle faster. So cost of living is going up, expenses are going up and health is going down (though at a much slower rate than in generations past).
Many investment vehicles have sprung up to "guarantee" growth for seniors on fixed savings, fixed income. Sadly, there is no such thing as a guaranteed growth investment vehicle...even mutual funds and bonds can lose money (by not keeping up with the cost of living increases). Many investments are far more volatile and risky.
Our government systems can't predict how long we'll live, so the financial models they come up with to help us retire are poor at best. For more on this, see here...http://carpebootium.wordpress.com/2012/04/18/living-on-borrowed-time-part-1/
Apr 19 2012: Kevin, you make good points about rising costs and inflation impacting retirement savings. The closest thing to the type of "guaranteed growth investment vehicle" you describe are today's variable annuities, in which performance guarantees are combined with the guarantee of not outliving your income. Some workplace retirement plans now also include products that offer guaranteed performance and lifetime income. In both cases, there is always a trade-off of increased fees and some loss of control over investment choices. We have found that these types of guarantees are increasingly being sought out by people planning for retirement, as a result of the setbacks many experienced during the recent financial crisis.Apr 18 2012: Why not imagine a new retirement system combining savings over a long period of time (>40 years) with solidarity within a class of age. The saved money being used over the years to finance loans for houses, entrepreneurs (lower risk investments but positive for the daily economy).
Example : You start working at 23, born in 1990, and with people of the same age (or class of age - 20 to 25 yrs old), you place 5% of your earnings in a national insurance collecting money from people of similar age.
Year after year, the fund develops (by savings and interests from investments) until you get the age for retirement. If you do not get there, the money you have saved is redistributed to lower income people of similar age (solidarity procedure against job failure, life accidents, deseases...).
When retired, you get monthly money with amount dependent of overall population in that class of age and of what you have saved during your work life).
Statistics of death allows optimisation of the amount of money to be redistributed during retirement to allow the olders still get money from the fund until the persons of that class of age are all dead.
Each class of age has a different fund and is independant of the others. There is no direct financing of the retired persons by the working, younger people.
Such a system can be started at any time with the younger workers.
Interests of interests is very valuable above 30 years of savings.
Good for the economy, good for good level pensions when retired + Solidarity between people of same generation.
Apr 20 2012: Guillaume, what you are describing sounds a lot like a modification of the U.S. Social Security system. Interesting premise. Thanks for offering your ideas. Exploring new solutions to place more individuals on a secure path to retirement is the main reason I decided to participate in this discussion.
Apr 21 2012: Chrisitine,...
Not only the U.S Social Security system... The problem is common in most countries in the world.
Even here in France, which is known for its highly protective security system, classical solutions fail today and are really too expensive.
We have a system where working people pay for retired people but with 2 working persons for 1 retired one, it gets impossible to maintain good living standards for retired people having no other income.
The best solution will always be to save money during life and make it work on a global stage...
Hope this idea will spread around...
Apr 21 2012: the problem is even deeper than that. it is visible that there is not enough money for the retired, and the working is already taxed too heavily. what is not visible is the amount of wealth and development it already destroyed in the lack of progress and lack of capital accumulation. in fact, i firmly believe that europe actually consumes capital. i can't prove that, but that's my guess. we pay for social "security" with stalled progress, crippled, depressed lives, lack of vision and future. the mindset slowly turns from production to predation. if this trend continues, that will end the european culture as we know it.Apr 17 2012: I didn't actually mention defined benefit plans - in the UK a range of other products are also classified as pensions, and defined contribution plans are much more common here than defined benefit ones. Given the economic history of the past few decades, defined contribution plans don't look like a particularly good way of retirement planning.
I would be very interested to hear proposals from the insurance industry about what alternatives they would be prepared to offer, and, most importantly, how they would be able to deliver to their customer a degree of confidence in having a predictable retirement income in real terms.
The second part of that question is the most important - I don't want to be sold to, I want to see some hard commitment to delivery. It's the absence of that which makes me question whether pension plans are a sensible basis for retirement planning.Apr 16 2012: I have to suggest, that your entire question reflects how disturbing and nearly unsolvable our crisis is... 10,000 people are now retiring every day... So what are we going to do to plan for when they retire? What, this quarter? Weren't you supposed to be working on this with them for the last 40 years? I didn't realize that planning for a 30 year retirement in your 50's and 60's (baby boomers), was... mathematically acceptable.
Off the top of my head... I'd suggest an advertising campaign based around the baby boomers tragic tale "I didn't save any money... I didn't fight for workers rights... I didn't fight for wage raises comparable to inflation... I spent more than I saved... Now I'm broke, and I have to constantly beg my children, and the government for money..."
"Prudential... Don't let this happen to you..."
Apr 16 2012: I agree, David, there are unprecedented retirement challenges facing not only this generation but the ones to follow. Prudential recently launched a campaign titled DAY ONE - www.dayonestories.com to shed light on the importance of retirement planning featuring authentic storytellers - the retirees themselves. Take a look and let me know what you think. Even though the reality may be challenging, looking forward to Day One and beyond of retirement with a positive and actionable approach is exactly what we are hoping to communicate.
Apr 16 2012: i still don't see what *solution* do you offer. discussing the problem won't help one bit. the problem of retirement is how much savings people need, and where to put those savings. the first is easy. the second is hard. that is where your company could come into the picture. you can handle savings in a way they maintain their value over 10-20-30 years period.
do you have anything to say about that? what kind of investments survive 20 years? what is your idea, how to conserve value in today's environment? did the housing bust catch you? what is your current investment policy? how do you see the future of the stock market, the housing market, the bond market, the commodities, foreign stocks, foreign currencies, the dollar, and so on. what makes your company a reliable partner in handling money?Apr 18 2012: Christine - I've visited the dayonestories.com site and saw the Prudential ads that ran during the NCAA men's basketball tournament. Very well done! We are launching an initiative in Cincinnati that is a replication of the national Coming of Age program specifically directed to work with the 50+ generation. It's a program of Civic Engagement and self-discovery for the baby boomers and a way for nonprofits to tap the skills and expertise of people 50+. I'd really like to talk with someone at Prudential about helping us spread the message. Prudential programs help people realize their dreams and Coming of Age programs help people discover their dreams.
Our web site is www.comingofage.org, and you can reach me at firstname.lastname@example.com


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A collection approximately 1,600 full-text articles on world writers from ancient Greece and Rome to the present (including some literary genres), drawn from 13 series published by Scribner starting 1974-1998. Articles are by established scholars and offer in-depth introductory studies with extensive bibliographies. See also the Dictionary of Literary Biography articles included in Literature Resource Center.
Guest curated by graduate student Katie Wills
Stories from people who were children during World War II and the objects in this exhibit animate the past and inform us of a time when war took over daily life. "Retrospect is a very interesting thing," says Ruthie Kallnder. "At the time I don't recall any of the information we got as being propaganda," but the government tried to influence children to make "necessary" sacrifices. Propagandists made the war a battle between good and evil, democracy and fascism. They also asked children to share in the war effort. In response, many children took on more responsibilities. Ruthie explains that boys and girls felt "if that's what it was going to take" to win they "were willing to do it." The memories of the people in this exhibit and their wartime actions show the power of propaganda's messages and its lasting affect on their lives. Propaganda posters, children's books, and classroom assignments demonstrate how propagandists reached children and involved them in the national war effort.
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New For 2013The Panamera carries over essentially unchanged for 2013 after adding Turbo S and S Hybrid models for 2012. Porsche did hint at a future variant at the Paris motor show, where it unveiled the Panamera Sport Turismo plug-in hybrid.
OverviewWe still can't quite warm up to the Panamera's bulbous hatchback styling, but we've learned to overlook that in favor of the car's other virtues. The nicely appointed cabin features four sculpted, 911-style chairs, although it takes some flexibility to reach the ones in back. Those rear seats fold down to open up 44 cubic feet of cargo space—more than three times what you'll find in a BMW 7-series. We've also learned our way around Porsche's button-intensive center stack. The Panamera's best feature, of course, is that it's fast, especially when you opt for one of its three available V-8 engines. We suggest the 550-hp, four-wheel-drive Turbo S model for keeping away those pesky 911s. On the more sober end of the spectrum, one can opt for the same V-6 hybrid powertrain offered in the Cayenne and enjoy 30 mpg on the highway. The Hybrid comes only in rear-wheel-drive form with an eight-speed automatic. All other variants can be bought with four-wheel drive and use Porsche's PDK seven-speed dual-clutch automatic. For all its capability and versatility, though, the Panamera does not offer the driving involvement of its sports car brethren. The steering is accurate but numb, the brakes powerful but not very progressive. Still, it's hard to argue with a four-door luxury car that can hang with a Nissan GT-R in a drag race.
SafetyFront, side, side curtain, and front knee air bags; traction and stability control; and ABS are standard. Stability control can be disabled but will still intervene if you brake hard enough to activate ABS. Lane-departure warning is optional. The Panamera has a pedestrian safety system that raises the rear portion of the hood when its computers detect a collision.
You'll like:
- Luxury sedan comfort
- Hatchback utility
- Porsche performance
You won't like:
- Not a looker
- Top models are ludicrously expensive
Key Competitors For The 2013 Porsche Panamera
- Aston Martin Rapide
- BMW 7-series
- Jaguar XJ
- Tesla Model S


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Compliments of Rich Products Corporation
1 3/4 cups sifted flour2 teaspoons baking powder1/4 teaspoon baking soda1/2 teaspoon salt (or salt substitute)2/3 cup sugar1/2 cup Cholesterol-free egg substitute, beaten1 cup mashed ripe bananas (2-3)2 tablespoons 100% vegetable oil1/4 cup Richs Coffee Rich® Non-Dairy Creamer
Sift dry ingredients together.
Combine egg substitute, bananas, oil and Coffee Rich® Non-Dairy Creamer. Add to dry ingredients and mix until blended.
Fill lined muffin tins 2/3 full and bake in preheated 350ºF oven for 25 minutes.
Yield: 12 muffins


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Two years ago we had a World Cup "Pick the score" competition which Sjoerd (of all people ) won.
Who's interested in playing in the Euros?
If there are at least 6 competitors, then I'll run one.
I'll post the games, you guess what the score is going to be.
You don't have to know anything about footy to enter - just look at Sjoerd.
You get 3 points for a correct score.
You get 1 point for a correct result but wrong score.
If Man C win the Premier league on Sunday, I'm going to buy two (L size) of the Man U "Champions 2012" T-shirts (See Pooh Pit for more details). One's for me because I think they're going to be the "fashion statement" of this summer, the other's for whoever wins the competition.
If by any unbelievable turn of events Man U actually manage to win, I'll change the prize to some AKB48 nonsense.
So if you're interested, sign up.


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Camp Sacajawea
Grades 4-5
Dramatic actresses, we'll see you this summer! Find the perfect outfit in our extravagant costume closet, then wear it in the play that you wrote with the help of your fellow camp mates and counselors! Maybe your play will be a collection of several skits or perhaps it will be a musical - the choice is up to you!
Sessions are:
July 14 - July 19
July 28 - August 2


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Our customers need reimbursement experts who can create data solutions that are as unique as their products. That's where we excel. Our proprietary online case submission and reporting system-VITAL (Verification, Investigation, and Treatment Applications Link)-is the most comprehensive reimbursement information management system in the industry. Our exclusive VITAL technology enables us to provide real-time reimbursement information, including case enrollment and dynamic market reporting that is unmatched by the competition.
Over 100 program reports are available for review and customization. Real time role-based graphical dashboards are also available offering 24 hour access and data download. Virtually all data collected by Health Connections can be reported in a manner appropriate for prescribers and in a HIPPA compliant/ data mitigated format to allow for an end to end review of patient, physician,
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Health Connections is uniquely qualified to provide innovative patient access solutions for new products. The combination of our comprehensive knowledge, extensive hands-on experience and industry-leading VITAL system gives us the power to accurately anticipate patient access and reimbursement issues and to educate manufacturers on common coding and billing challenges. Our expertise helps clients get their products on formulary and avoid potential reimbursement obstacles. Insightful pre-launch and early market consultation can ensure a smoother entry into the marketplace and facilitate the early growth and ultimate success of a new product.


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almost 4 years ago
almost 4 years ago
10802 Comments
Hi Sherry,
Hope you are well! Have a wonderful weekend.
almost 4 years ago
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Hi Sherry,
Well don't work to hard this weekend my friend.
almost 4 years ago
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Hey there :) thanks for stopping by and checking in! Summers going great thanks to fast as well as life ;) how is your summer? I hope all is well ur way! Take care be safe and have awonderful weekendb
almost 4 years ago
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Thank you very much! Hope you have a great weekend too! As far as summer goes?? Well, I can't WAIT until it snows.. lol.. I am tired of the heat! I am more of a winter person anyway. :-) Have a nice evening.
almost 4 years ago
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Thanks you! You are the light in my dark last 24 hours :-)
almost 4 years ago
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Thanks for stopping by. Summer here in the Philly, PA area has been hotter than the hinges of Hades. I do have A/C so that makes it much more bearable, but contribute to the cooped up feeling. Everything being equal, I'll take hiding inside where it is cool.
almost 4 years ago
Evening Sherry,
Our summer has been good so far. Before it turned hot, we started to get into backpacking. We would go in about 3 1/2 miles to a private pond. My father told us where my great grandparents home use to be. We found the fruit cellar and it was lined with bricks and we have one of them at our home. Our son either stayed with grandparents or my wides sister. Have taken him to the pool, and he has a floaty device he sits in. Dad pulls him all over the pool and he likes it. I can pour a handful of water over his head and he's cool with that. I use go under the water and come up behind him and he would look for me. I turn him and there I was. His expression was how you do that. He caught on to that now. He crawling and that is interesting. He's scared of thunder and lighty, so he joins us in bed. Mom has her arm him and dad has arm arm around both of them. Thinks he feels double protected. He is our topic of conversation. It was awful hot here with the heat index. Work is work. Fun is fun. You got the fast version of our life. Take care my friend and God Bless. Be safe
almost 4 years ago
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Enjoy your weekend and stay safe :)
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Preparing for the TS head my way....See on the other side in a couple of days I pray.
God Bless
Stay Safe
almost 4 years ago
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"Blessed are Those who have the Gift of making Friends"
It's just another one of GOD's many Gifts to us.
Friendship involves many things,
but above all,
it's the Power of going out of One's Self and,
Appreciating whatever is Noble and Loving in Another.
I'm Glad We are Friends.
Have a Great Day! and May GOD Bless & Keep You,
Healthy, Happy & Safe Always....Tom
almost 4 years ago
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Hi, I'm having a okay summer and wish you and yours a wonderful rest of week and summer.
I better go to bed or I'll be a zombie in awhile.
almost 4 years ago
Hi Sherry, Thanks for stopping by. Glad to hear about your kids and grandkids. Nothing is more important than family. Have a good week and great weekend my friend:)
almost 4 years ago


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"Wave and Scattering Methods for the Numerical Integration of Partial Differential Equation", Electrical Engineering, vol. Ph.D., no. STAN-M-108, Stanford, California, Department of Electrical Engineering, Stanford University, 05/2001.


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When you're one of the world's fastest rock-and-roll guitarists, you set your standards high and your action low. And when it comes time to pick a car to keep up with your fast-paced lifestyle, there's only one choice: the Corvette.
"I've loved Corvettes since I was a kid," axe-slinger Dan Fastuca says. "My parents had a '69 427 tri-power and an '82 L81. My brother had '77, '79, and '81 Corvettes, and at one point was president of the Three Rivers Corvette Club in Pittsburgh. In fact, my brother was so crazy about Corvettes that he had me hooked by default.My feelings were, if he thought Corvettes were cool, then they must be cool."
With the Corvette influence so dominant in Fastuca's genes, you'd think this rock and roll guitar-wielder would have owned his own Vette as soon as he turned 16. But with his sights set on a music career, Fastuca's love for Chevy's sports car would have to wait. At age 19, the guitarist relocated to Los Angeles, where an intensive recording-and-touring schedule further delayed his Corvette dream. It was around this time that a twist of fate found Corvette racer and carbuilder Dick Guldstrand entering Fastuca's life, setting the wheels in motion for the theretofore passive Vette fan to develop into a dedicated marque enthusiast.
A Chance Meeting
"I was in consideration for the lead guitarist position for Ozzy Osbourne, and I was writing and recording with some other big names. But with heavy metal losing its popularity, I was spending less time on the road touring, and more time at home working as a writer, producer, and studio musician for my band Jet Black. This afforded me more time to spend on my cars. I called General Motors and asked who the best tuner in Los Angeles was. A man at Chevrolet said, `Guldstrand Motorsports. Go see these guys--they can make anything faster.'
"When I arrived, I quickly realized all the mechanics had abandoned their projects for their lunch hour. The only man who remained was an older gentleman sweeping the floor. I asked when a mechanic might return. He said that it would be a while and asked how he could help me. After several attempts to keep him from getting too close to my car--a brand new '88 Trans Am--I found myself sitting in the passenger seat. `It's a stick shift. Do you know how to drive a stick?' I asked him.
"The man answered, `Yeah, I think I'm alright.'
"Well, he didn't seem alright," Fastuca continues. "He left the alley, spinning the tires in the first two gears. He appeared to have no respect for the speed limit, much less the laws of physics. At one point, I remember involuntarily screaming, `Shift!' as I watched my tachometer spike over redline for the first time. The man said, `The suspension needs a lot of work; we should look at it,' and immediately pulled the car over to the side of the road. As I opened the door to get out and look, he said, `Oh, close the door, we'll be off in just a second.'
"It was then I realized that up ahead was a freeway on-ramp that had a speed limit of 15 mph. He was revving the motor and looking in the side mirror, waiting for traffic to clear. Before I knew what he was going to do, he popped the clutch and hit the on-ramp at 110 mph, blipping the throttle and steering wheel in unison as my car slid through the turn, with me plastered up against the passenger door.
"I looked at him and said, `What the hell was that?'
"He replied, `I think I have just what this car needs back at the shop.'
"After driving back to Guldstrand Motorsports, I got out of the car and asked, `Who the hell are you?'
"The man who I thought was a janitor then stuck his hand out and said, `Oh, I'm sorry for not introducing myself earlier. I'm Dick Guldstrand.'"
Before long, Fastuca and Guldstrand had become close friends. Fastuca learned more about Guldstrand's passion--Corvettes--and Guldstrand developed an appreciation for Fastuca's passion--rock and roll.


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7 hours - Digital Download
Will Murray's Pulp Classics #17
The Spider Audiobook
#10 The Corpse Cargo - July 1934
Read by Nick Santa Maria and Robin Riker. Liner Notes by Will Murray
The Spider VS. The Pirates! No punches pulled in this one!
Will Murray is the Series Producer for Will Murray's Pulp Classics line of Pulp Audiobooks and Pulp eBooks. Will is the author of over 50 novels in popular series ranging from The Destroyer to Mars Attacks. Collaborating posthumously with the legendary Lester Dent, he has written to date eleven Doc Savage novels, with Death's Dark Domain, Desert Demons, Horror in Gold, and The Infernal Buddha now available. For National Public Radio, Murray adapted The Thousand-Headed Man for The Adventures of Doc Savage in 1985, and recently edited Doc Savage: The Lost Radio Scripts of Lester Dent for Moonstone Books. He is versed in all things pulp.


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Start and stop:
Do you remember back in the day when Brett and Shawn historically feuded over a span of years? Or when Hogan and Andre battled it out?
Why were those feuds so memorable? What did they have that is lacking today? Well here it is; They were believable.
Far too often in todays market the WWE expects us, "the universe" to believe that two guys hate
Updated 01-31-2013 at 01:24 AM by ApolloKing
© 2011 eWrestlingNews, All Rights Reserved.


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When you open a dmg or zip file (which we'll refer to as an "archive" in this article), a tool called Archive Utility is opened briefly to extract the archive and then by default create a folder in the same directory the archive was located. After extracting the contents of the archive, the archive is left as-is, showing the new folder in a Finder screen. This type of workflow works for a lot of people. But not all.
This is why Apple built a Preference pane for the Archive Utility. To access, simply open Archive Utility, click the Archive Utility menu and click Preferences.
You then see the Archive Utility Preferences. Here, there are a few fields that can change the default behavior of how OS X handles archives. Each field is as follows:
- Save expanded files: Sets whether extracted files stay in the directory the archive was in or go into a custom directory, used for all expanded archives.
- After expanding: Configures what happens after an archive is expanded. The default behavior is to leave the archive alone, but archives can also be moved to the trash or deleted immediately (bypassing the trash). Additionally, as with the expanded files, archives can, once extracted, be moved to a static location (e.g. onto a NAS).
- Reveal expanded item(s) in Finder: This checkbox controls the new Finder window opened when an archive is expanded. To disable that feature, uncheck the box.
- Keep expanding if possible: This checkbox expands an archive inside an archive if one exists.
- Save Archive: When creating a new archive, allows the user to define whether that archive is saved in the same directory the files being archived were in (the default behavior) or whether the resultant archive is stored in a static location.
- Use archive format: By default, a compressed .dmg file is created. If this is too slow or if compression is not desired, then an archive can be uncompressed using this field. Additionally, a zip can be created rather than a dmg (e.g. if you'll be exchanging the archive with Windows users).
- After archiving: this option allows users to configure whether the files placed into the archive are to be kept or deleted once an archive is created. Additionally, files can be saved to a static directory.
The ability to control such features allows a data wrangler with a pretty well defined workflow to proceed much more quickly than would be otherwise possible according to how the person managing the data goes about their business. For example, if I know that every dmg file I get should be extracted, the contents moved to a share and then deleted, that can be the default behavior programmed and therefore I have less clicks of the mouse or steps to complete my process. Apple has, as usual, put good logical thought behind the default settings used. Therefore, be careful when changing settings.


text: A Place to Call Home: Where We Live and Why Date For details of opening times please visit http://www.test.com/Home is an essential part of us all. The houses, flats, tower blocks and estates that we live in are extensions of our everyday lives. They are practical places - buildings for us to eat or sleep in - yet for most, home is the most expensive thing that we ever buy, a complex thing offering a lifetime of investment and preoccupation. This hugely popular touring RIBA exhibition, guest curated by Sarah Beeny, charts the story of the design and appeal of everyday homes in the UK. It explores the advent of mass building from the late 18th century, through to the present day via suburban expansion and post-war experiment- revealing the characteristics of a British obsession and the experiments that have shaped how and where we live. The exhibition forms part of Grand Designs Live, the UK's leading contemporary home show, open to the public from 12th - 14th October 2012 at Birmingham's NEC. Click for details and a special RIBA ticket offer At the show you'll also be able to get a free one to one 30-minute consultation with an RIBA architect at the Ask An Expert Centre. Make the most of this opportunity by bringing along your plans and drawings.Fees:Free admission to exhibition. Admission required for entry to the show.Booking:Contact:Visit www.granddesignslive.com Organiser:Sponsors: Alton East Estate, Roehampton, London, 1970s. © Architectural Press Archive/RIBA Library Photographs Collection.


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Moist Refresher Towelettes$36.00
Evacuation/Suction Tips$4.90
Orien Dental Supplies
Orien Dental Supplies is an Australian, privately owned dental supplies company with its distribution and head office located in the western suburbs of Melbourne, Victoria.
In a market that requires quality dental supplies at competitive prices, we continue to grow by reputation of being able to provide this with courteous, knowledgeable customer service and prompt delivery. We aspire to offer our customers the highest quality dental supplies while maintaining consistently competitive prices.
We focus on the everyday, consumable dental supplies. Operating on high volumes and low margins and being able to keep our business overheads to an absolute minimum, we are able to pass on these savings to our customers. Simply browse through our categories and sub-categories to make your selection. If you are looking for a particular product, use our search tool bar on the top of the page. Once you sign up, you are able to begin purchasing straight away. Our Dental catalogue is available for download, click on the Catalogues link to view or download our catalogue.


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It's been 20 years since "Star Trek: The Next Generation" aired its final episode on May 23, 1994. With two decades having passed since the show left the airwaves, take a look at where its stars are today.
Dwight Schultz appeared in five "TNG" episodes as Reginald Barclay, a technician and engineer who also plays a prominent role in the later seasons of "Voyager." Schultz, who is also famous for playing "Howling Mad" Murdock on the 1980s TV series "The A-Team," is also known for his voice work in cartoons and video games, including the mad scientist Dr. Animo in the "Ben 10" series, Chef Mung Daal in the children's cartoon "Chowder," and Eddie the Squirrel in "CatDog."


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See the migration process to convert VMware-based virtual machines to Hyper-V-based (or Microsoft Azure) virtual machines.
Research from the Cloud Industry Forum suggests cloud computing has now achieved mainstream deployment in the UK. The study claims 78 per cent of UK-based organisations are now utilising at least one cloud-based service.
Whether you are migrating your email system to Office 365 using a Cutover, Staged or Hybrid migration, having the correct DNS configuration is key to performing a successful migration.


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Simply Nourish™ Meatloaf Inspired Recipe Adult Cat Food
Simply Nourish understands pet nutrition can be confusing and choosing the right food for your pet can be overwhelming. That's why Simply Nourish believes in making pet nutrition simple and understandable. By using carefully sourced, wholesome ingredients you're already familiar with, such as real chicken, and an essential blend of vitamins and minerals, Simply Nourish has created this mouth-watering Chicken Recipe w/ Parmesan Cheese & Spinach.
Features: Wholesome ingredients you're already familiar with.
Food Type: Wet Food
Life Stage: Adult 1-10 yrs
Health Consideration: General Health
Flavor: Chicken Recipe w/ Parmesan Cheese & Spinach
Primary Ingredient: Chicken
Package Weight: 5.5 oz.
Feeding Instructions:
Feed according to the age, size, and activity of your cat. Feed at room temperature and refrigerate unused portion. Your cat should always have access to clean fresh water.
Adult: Feed about one can per 6-8 lbs. of body weight per day.
Chicken, Chicken Broth, Dried Egg Whites, Parmesan Cheese (Pasteurized Part - Skim Milk, Cheese Cultures, Salt, Enzymes), Spinach, Oatmeal, Whole Ground Barley, Flaxseed, Carrageenan, Potassium Chloride, Minerals (Iron Amino Acid Chelate, Zink Amino Acid Chelate, Copper Amino Acid Chelate, Maganese Amino Acid Chelate, Potassium Iodide Sodium Selenite), Choline Chloride, Vitamins (Vitamin A Supplement, Vitamin D3 Supplement, Vitamin E Supplement, Thiamine Mononitrate, Niacin, d-Calcium Pantothenate, Pyridoxine Hydrochloride, Riboflavin Supplement, Folic Acid, Biotin, Vitamin B12 Supplement), Taurine, Salt, Rosemary , Thyme
Guaranteed Analysis:
Crude Protein (min) 9.0%
Crude Fat (min) 7.0%
Crude Fiber (max) 1.5%
Moisture (max) 78.0%
$ 0.60Reg: $ 0.63
$ 7.99
$ 17.99
$ 3.99
$ 0.60Reg: $ 0.63
$ 0.50Reg: $ 0.56
$ 0.50Reg: $ 0.56
$ 0.60Reg: $ 0.63
$ 0.85Reg: $ 0.99


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H;-!^"!^-:---^ SHElPOBa?, H.f, sf- ( FOIXOWTHE LEADER FOR MEIGHBORLY LEADER "FREEPORT'S OFFICIAL NEWSPAPER'* •-•.••<JS.-,:S5. LBA;D>EE REUA£E£ : FU « « - J | - | TQ np BALDWIN EQOSEVELT .MimmicK >^;:ni'i:.iLiS—v.'i: ~ ""^ li&¥«^,Be.M f^^OST, N. ¥^ !mi^^M.7, NO¥EMB&E S8, 19f» ^^» 'WPfW 0 S ^ 1 ^ ^ CO^ li i- I-.frX ff:^^ r-£i It.GMpbHaimd Is Gi^n of Im n i t e r s Bcmnfoti^ At H W H I I ^ S Utolng «•» p. muiya, president of Une Boatd of E^tacatlon, was acclaimed as the "Fretpom citizen of t|^ Year" at the weekly supper of the Rotary Club in the Blks clubhouse Thursday night. He was presented a suitably Inscribed circular silver dish, appnopriate to lutid bon bona or cmdeers, tuid a trttntte signed lis Kerbert A. ^hulze,' the Botary pi%^desblbi beads ot the &ve local elvfc «mEdM&ias, Mayor WULun K OMdra^ »Mi Um itev. Wtagem K. Siretel, psMntt of iM s^feeeport IntO'-Valtii 0 e { ^ Omieii, vlib iwBii^i^ %e psfflti that setated W3t. Qfiit^ as ^ ^mm-m me R t t ^ e s l Kdnita tntadueed Gmmm &> M d m g of the M«tt v ^ t a r t e A^idittin. PKUI W. <i»bo cdT £ta AOsatls I^Hitt, ^ e i ^ II. Bub- Ml « ^ Xaemwrn, i. Sarry U ^ ^ ^ ^ me 9Mtbi^t aad ^ ^ t ^ J. W^samita sf tt« WM^lelt Aawcfeiagp. Be p t e ^ t e i ttqmeto-tmaem «f ^ m i t a ' ^ ' ^ . ^ ^ ^ SmM itf M l ^ M » - KMl tRaUier a Rt«4te«, siqi^atend«nt of sduxd taiUdln^. Sr, E. J^emmmn ItUller aiTlved teter, iWdle GOtUm B. Smith,--another in«mber of the school' board: Mayor Oladcen. wtao was Ul, and tite Rev. Mr. Strebel wer« unable to be present, Sehulsee Pi«s«nt» Gift Mr. Sch'ulse preiserated the silver dish to Mr. CHblyn, who voiced his thanJcs. president Giblyn asserted that be was mUt a mmaltmi of a tetoa wtilcA foUonml Ita tradttUnts e^aMUMd ^ ^te first prestdient, ffitan R. SasW^ elMtid is wsi, a«d iiii-SB^^»» ia M t e "l.haw (IteiUim^ urn, Fage IS) Frefejiorter Of Th# Year Honorejel Crmte New VMsM A^os Is CQateaag^brted In l ^ v l ^ OrAnmca ' The l^ilage i&tM-d at its meeting McHiday tAghl wted to adopt an amendment to the comprehensive Village Zoning Ordinance creating a, new type of business distrtot to I '111 INeil^MKV'* nmee { li&ffe Uian SO |i«»sa5 teaiM ^ pea-soup fwg tcf i^taA ^ • « - Melg^bcH^*.dance s^mmm^ im ^ X<adles AiixUl&ry c( Ow 8(d^ iRe-deen^ r Schotd FMdftjr nlBtat tn «ta South Shore Ya^it {31i% IC13. Bid-ward S. Martin, 'irtw was i ^ h ^ ^> man vrith Mrs, PatrMc t^mSiAf, reported. The event netited a sitleABn-tlal sma tor the AuxUtaiy^ treasury. Others on the general committee were Mrs. John Flaberty and Mrs. Sdwln Martin, tickets; Mis. Jos^th B. Hoffman, publldty; .Mrs. Raymond Coughlln, decorations, and Mrs, Robert Berthe, ^(xmsor chair- be kniwii as an "AA" district. Two 1 changes proposed by J, Harry McCarthy, president of ate.South«sst Civie Association, speaking for a committee of thaft organlsttlon that boA stwUed ihe Miendment, wers msdt. One elimlnaAM sftae repair mam from tte list of huataess permitted ta &m miw type of d^rtet and the other aobsMajtes the word "IwsdUEed" fer manulaetwed m ah to wad »^iwjdMeBd ar pws^ssd" on p e r n i o In ebe mm rate. n e pnqNKed s^m^m^A *^ tikt- <iPIKmd. Ssf Qtamate, w ^ yimi Ws^t^* J. MtaindB, mma a &m^ •siikaMk.'siM m Wm MixrlA 'r&ad B&d A)iMi ^ s e e n i d ^ . spake tor ft. W^m^ A. '^im»Nt and 13^ree Red De?ik Go Down Before BaMwni 1mm Freeport Squad L o ^ III Decisive Cont^; Won 6 GHitof S € ^ ^ Taking advantage of t h r ee breaks—tWa fumbte a ^ an intercepted pass—the Ooltei Wme defeated the Preepirt ^ r f »e»lto 81 to 7 on Uie Baldwin grlAwi to-day, captured tbe trlpls A ttm- < ferenee 44U» a«M- i » « d e t r t m& 'ltMiii( presmto "Cttizeii of .tiie VeM^.fin^ In I^n. F. .611%^ lUfoddMit of tiw I!reep«rt Board ig EdoesthMi,' ail IMiury etah sup|i«r. as Kenneth E. VoogAt, "dtlzen of the Year" glw>inwain looks wo. Bagatelle Photo lii^pd(ffi^ Wmibmm'M Tm^ m mm^m tf 'OM ft^^liS^ la' btaA of «d9 te ilnm^iiate tA tbe « ^ ^ ptfmn^tt Mday after-nooA, inb«y araembled la tiie corrl-ica ta tbe J^taitelpal BftiUdli^ and wen esocKTted to Itae iBoBid Room where Mayor WlUlam P. Oli^iken Iwore in Bory Ballenger of Troop 206 as Moyor, and Dorotby Me-t^ m^in, S; Susan Johnson, m: Caroline Ut% 5?^ and Joan Marie Marao, 100, as tnistees, Fb^ Chief I<raiiIcUn AT,ai«mpel Ut^ took over and ^ e g t i l s , v^ emy«sm^},iii. tbe dbi^s aad n^xst cars to headquarters on North SCidn street, where Patricia Connelley, HO, occupied the cbieTs cbalr utd th^a they w«Fe talcen on a tour til pm_ bulldlag and all ihe «peiaUonB .df. .the department Vjsre ^fxiA^bciitA. to them. The delee»t)<m BlES"pald a -ijrlslt -to the power plant wihere Barbara oirant. 9. took over as sapeAr^ Iteiideat. ffiod llh^ were ttfteaoa 'i Mm m ms •SMA, . "• Sundell Finds Jtidy Miller Likely 3-D Pinmp Suhkct Whe^Aljiici' .1. Sundell of ,")(».'i N«rt!i lirookNiilc Avi>nu«", l«Veepr>rtJ#«»(raii his sfurch fw l««aiiti«'H t« gme*' M» latent tlirpp-dimensiouBl njapaxinc, 3-1) Hollywootl Pliie-Ups, littltf dki he think th^^'hf WOHW find a dimensional Btandnnt in " h i s own bHfkyarrf:'" "-""J——'v: :. '. '•. ' Publisher of the first *h^e-dimenslcnal movte aiui pln-«ip magazines, S2r. sund^l earS discovered that ttiere wisre ffw ^«tttte. in show business who could flit te stiff 3-D requirements. l%e S-O B*m;ra, doesn't flatter—bat BB^als tlis ^nbJeot'«s she r@aUy If. ^ m ^ ^ thla'tfi' mind, Mr.-Snndell ^ u r ^ an ^ften^ive search ai^ag Hal^oad •and -•»IgVM6n . p i ' ^ o ^ t t S ^ - i ^ aaiC9S....t4ie lew he 4mmi 'to te «llisble for ?-D phots^mp^ Wis a 'young and' brantttnl -OBS^Plf dancer—Judy Miller,' <^ly after the 3-0 photogra^s were taken did Mr, Sundell discover that Judy, whom he had never seen before, was a neigbboi^^iom and reaped only a few blocks away In •Freeport, at 303 South Bayvlew Avenue. .Judy, Who was voted "Miss Sweater <3irl" at Slockaway's Rlay-land in l^St-^axA Is m Uilented as the'is beantlful—began her dance tr^alng at the Children^ Thealac In Freeport. This early braining, uader Uie guidance n^ her mother ^ad a period of • advanced training la (New Yoik 'Qtty paid off vt'Oi. & eile in .the Broadway nK»h»l Mk, *^nu^ mam," and a numb«' of tm^' \oess on "Ttie Jackte QtawOB ^ufw." Mow Jnc^' is sM^^w m$m, «^)ms fo be as vei^atte as posAa.' ^^i4]^s tops at t^Iet, ^ ud iems^-iaiaA what.^ mere i^oKta^te— Ae ' i k s the eoDfidaice miA v ^ S^iaU^ {hat are s» ae^aaitf i ^. suGcesi bitt often imMm to m*; mm^" said a msBAa: M Om ^A A ^ M k ' i Dnig wsBt»; amO^ Main -stffiBt and &At ^uflse Sti^- •vay ^ai remalB api» an ."Aoaks- 0vtRg daf after the D ^ ^ ^tmi-miiim in rrm^oA e^ys at 10%toc^ TOB titeptaae h Report B-Waf OS 9mAm, the teuKW, i SemlSh MUn Bte^t iSll l|B istea. I^'tete- <andefeated season, 7 i^MMfi ttd games by 16 to' '14. ' R took tti« breaks to decide mm game as the two teluns wsi* as evenly balanced as two squads could be. despite Baldwin's advantage In weight. Neither eleven scored in the first period, each seorad a touchdown and added the extra point In the second. There was no scoring in the third but In the final quarter the victors added two touchdowns to make certain of victory. the Freepoiters started fumbling In laie first quarter, enabling the Oolden Wave to take Wie ball owr on three occasions, but the l a p ^ proved not to be costly. T ^ ymm not so fortunate In Hie set»ad sSan^ as Chuck' OcndoU, ^ld«te% Aint scorer,- recovered on Oie Vim^tt i yard line, tossed to J i ^ atooa w ^ evaded twp def«eide»~ wM mx^ the pigskin across tJ^ line. Bd Smm then pa^ed to- Jtaia "mal^JUF fei «*tra point, and. ^ M « ^ fed 7 to The lead was short W^A, lio»B»er, %s Freepoi$ stc»«iiKHt«aQ<^d»^p_ttl« field ^?l«i loim^Kprnscmm and Fwd (Continued oh Ptm M ^mt » * * • " ^R^p>«U^».. • B^ed mrmM qjiMloas mm^Bemb^i' the iH8«^teeot. niey ««re eon-cen »d over r^wjrts <Uiat property mmem on South Bergen ptajxt piaii to Kpp^ fw a pesonlng of the street from West Merrick road to West Bimrlse highway to be placed to an "AA" business dlstrlot. / A reoofmnendatlon from the Northwest Civic Association that means for getting greater use of Uie facilities of the Municipal Stadium was referned to the Park Oommls-tkm. Leonard O. B. Smith, who pmiMeA In the absence of Mayor 'miliam P. Olo^eea, s^d negotla- ^ms wesejilimd}' uader weif wWb me tm^ of ^ « f a « | some new - tm^ae peductog aetMtfes fm tjtie stedtan to -JMi, '• •Mm Ma1m» «tf a»lnrton, ^ " »«« fito m^-VMm for ^ twUlation MM pttito* »ete»^ njam mek" l i« lot tra ^ • • 8 « t d i e fli fmish. JJceiBlpaStoB, im. ^&-m west ft^bf ^ b m r - ^%e Ud # i s ^ . r .. ^mJm the neteffi iMth aa tei^aUa-ttw ^ 0 f ^ fiireiHsli metef, n^SMm V. F. W. Post Wm Sponsor AnnucdCalithumpianPxirade Ifenry Theodore Molir Post, V.P.W,, received permission from the ViHapre Board Mondayniehf to hold its annual Tlwnks-pivijiiJt Calit'mmpian parade. onTliursdiiy morning. (Daimkl Oayimr, chalnaan of the parade ctnnmlttee, announced this we^ sevaral Knuidied bKys and girls were mm^^ td paitidpate la the event They axe to assemble atOie Bxempt nssBMB's l^^d^iartNs on Brooklyn av«n^ fa Uam to start «iaTehlag at 1ft mWsA WBtHkemot the nxe D^nft&D^M-lHMi dteneted by waUam 3, Ot^fbm nOl JamA 9» ^ebg Wm M ' i W i i l A te east wi BRMO^K amimm^ ta'-^Up rtreet,- a^tt, te MBittsKul, i^iite-IInHs mat to ^ sxiiv^te^ a»i,.'to. of prizes to be awarded.fdr dlffment types of attlr» worn 1^ the yount^ sters. Membeis of tta JiaMm' Aax- UlaiT will aadat in copduotbie Om parade, Bobort O. O0I)£M!lm3t<^ ipeMmt of iSiB meesssi fSmiBAm # @eai-voetix, £^naMl Mditsma, Hm «»eeitf> tlve secretary; i i i ^ i r traSna V-dla<& en, Domlato eefflefi^ • • 'm&, KMoamaad^, awl lArate Wm^Smt-tnaader J<iin Ma^^m^. tmm 1mm, bretted 4o (tffl(dato e« | a ^ % * Beftetifameiits wffl bf ^ i M aM iWSe)^'<^ie |)SfB4te.' _a^ ^tabUar te-pii^ _aff» la-^Ose ^tte^^bmt ttis ' b ^ ^ K axeaa tft Hie v U i i ^ 3Ste tU "M^ tatea tt^er ®flsMt»tlea. l i te taffid i^wted « r^uesi fram pesidea^ la ttic aiea tpr.jne *nstal< latlon of lights >m IvlUowbrot^ l>ane and Breotalde avenue, in WUlo'^ teook Bstatos at the extreme northwestern sectlpn of the village, leaving the selection of the looasilans to Superintendent of - Ugjht Blstrlbtl- - Uon Clinton M. WalUng.. - . ' • > - . . 1 ..L % GroW Stetionery Open To 10 a C b d s at Ni^t i^o«e i^tkma^ stare at 43 Soutli &^m Mit^ wfll ie 0 1 ^ -iratu lo o t t ^ ^A-'^mAiSt^ iti^t dtniae Ito CiaMiiiw iAinttV s«ism, dUm C^^sA jiEK^^ir. MSKMoeed leds mi vM emIteUB tt^ tara»i-imffl 0. it^fint^9» watt • iiMi^ itt nd^ <MiBi ^ ami n^riL-<3m^ Iff ^BMra|s.«0d|J'ttla i W . i t . ^' '.jj-^v;:',^;!-)^;
Object Description
|This is a Newspaper distributed locally within the Village of Freeport and Baldwin.
|Linda Toscano
|L & M Publications, Inc.
|Scanned by Imaging & Microfilm Access, Inc. (Bohemia, NY 11716)
|Freeport Memorial Library
|United States
|This digital image may be freely used for educational uses, as long as it is not altered in any way. No commercial reproduction or distribution of this image is permitted without written permission of the Freeport Memorial Library, 144 W. Merrick Road, Freeport, NY 11520 or email: email@example.com
|This is a Newspaper distributed locally within the Village of Freeport and Baldwin.
|Linda Toscano
|L & M Publications, Inc.
|Scanned by Imaging & Microfilm Access, Inc. (Bohemia, NY 11716)
|Freeport Memorial Library
|United States
|This digital image may be freely used for educational uses, as long as it is not altered in any way. No commercial reproduction or distribution of this image is permitted without written permission of the Freeport Memorial Library, 144 W. Merrick Road, Freeport, NY 11520 or email: firstname.lastname@example.com
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Sydney Opera House Barbie® Doll
The Sydney Opera House Barbie® doll looks breathtakingly beautiful in a dress inspired by the architecture of the Opera House combined with a fashionable twist. The sails of Sydney Opera House inspire Barbie® doll's bodice while the water surrounding the building is displayed in a luxe, ocean-blue chiffon. With a clutch inspired by the Sydney Opera House sails and the Sydney harbor breeze blowing in her hair, this Barbie® doll is a true Australian beauty.
For ages 6 and over.
Production doll may vary from the photo shown above. Mattel reserves the right to modify the fashion/fabrics, sculpt, hair color/style, and accessories. Doll cannot stand alone as shown.


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Training >> Browse Articles >> Miscellaneous
Photos: Bizarre Border Busts
Training >> Browse Articles >> Miscellaneous
almost 5 years ago
28 Comments
Border Patrol Found 166 pounds of marijuana hiiden in their minivan. I guess whoever the Agent was assigned to that van had some 'splaining to do....
almost 5 years ago
902 Comments
Thats a joke right?
almost 5 years ago
8 Comments
Unbelievable! Crazy! Don't undersand what people do out of desperation.
almost 5 years ago
10 Comments
what some idiots wouldn't do.
almost 5 years ago
34 Comments
par for the course where I work... between Patrol and K-9's we see ALOT of this. The bad part is, (like you said bigsurmac) this is only a fraction of what is being moved.
almost 5 years ago
2 Comments
These are the ones they caught.
Multiply by 1,000 and you have the supplies of marijuana, cocaine, meth, ICE and other drugs being smuggled into the country daily.
They caught one guy on a surf board close to the border trying to surf in south of San Diego.
But further north and all along the Gulf and Atlantic coasts, consider the thousands of miles of remote beaches accessible with inflatables dropped from ships and fishing boats operating legally in international waters.
The ones caught at the highway border crossings are the amateurs. The ones who are never caught are the pros. This includes the hundreds of acres of marijuana grown in State and National forests and in private forests from coast to coast. Four illegal growers with years of experience producing marijuana in similar climate and terrain, can back back into remote forest lands with 100 lbs. of seed and enough food for a month.
Two hike out to meet delivery jeeps with more food, fertilizer, irrigation supplies and then hike back in with 100 lb. loads each, going back to the drop point every week to receive more food and supplies.
They remain in isolation for up to six months, growing and harvesting and backpacking their crops out to different pickup points.
Why -- work a year in Latin America and make $500 tops. Work six months in Estados Unidos and make $10,000 or more.
The more can be achieved by "holding out" four to six back pack loads, 320 to 600 lbs. of marijuana. Returning later in the year to dig it out of hiding places and carrying it out to sell 1,000 miles away.
almost 5 years ago
16 Comments
The man sown into the seats of a car and the two men hidden under the floorboards of a car were the ones that took me by surprise. I didn't even imagine someone doing that. It gave me an outlook on what people will do to get past the Border, and they'll take any risk to get to their goal. I'm just surprised that Border Patrol was able to find the two in the floorboards. Most people would overlook searching there, but they probably got an idea when the people driving the cars acted suspicious.
almost 5 years ago
436 Comments
"Border Patrol agents found 166 pounds of marijuana hidden in their minivan" (picture 16).
I wonder who put 166 lbs of MJ in a Border Patrol vehicle???
almost 5 years ago
36 Comments
Desperate to get here or not, some of these people have got to be morons. Parts of this list is irrefutable proof that the U.S.A. isn't the only country with stupid people.
almost 5 years ago
I can't believe what someone will do to get here.The most thing i hated was the birds being wrapped up like that.This was cruel.It's really amazing the photos.You would think they would give up,but no they keep on trying.
almost 5 years ago
28 Comments
Did they seize the boat too? What does the boat look like?
almost 5 years ago
58 Comments
"Once the war is over or at least someone realizes who is in charge, then you work on public relations."
bluebrother, those not caught around the border areas have spread throughout our nation. Public relations lie with NAFT, the ACLU, and corrupt politicians. Presently all extenuated because we have a black president whom is defending foreign nationals over American citizens, while obtaining masses of people in poverty to achieve one global order. [Amnesty] We have spent decades of our tax money on Mexico and this ludicrous war on illegal drugs. Our military would provide a humanitarian intervention on behalf of the good people of Mexico and the American tax payer. ;)
"Toleration is the basis for corruption. No organization can be corrupt if the majority of its members report unethical conduct."
- Captain Charles Stone
wonder how long it took to find this one? how many made it?
Just goes to show you that these folks will stop at nothing to enter the Us they would risk life to do so!
almost 5 years ago
How many made it over before this guy was stopped ?????


text: The stories about iOS of late have been about the restyling of the icons. Some like them, and some do not, but all of this talk misses the crucial issue. The real story here is that the iOS user interface is really dated. Aside from face-lifts and the small bits of ornamentation, this is the same user experience that has always been on the platform. Sure, it's been good. In fact, it's been great; it was a genius implementation to help get a lot of tricky functionality easily within grasp of the less tech-savvy. But for the rest of the world who lives well within the Late Adopter portion of the innovation curve, we're quite used to what this stuff can do. We users need something more. Now is the time for making data relationships rather than continuing to make introductions to technology.


text:
Our Menu
What's new at Good Karma!
Good Karma Café is pleased to offer fresh-baked pastries delivered daily from Kermit's Bake Shoppe - a local small business partner. Choose from a selection of Chocolate Chip Cookies, Buttery Croissants, Pistachio Tea Cakes, Chai Spice Sticky Buns, and much more - all delivered fresh, daily!!!
Vegan Commissary offers 100% Vegan cooking and currently serves lunch and brunch. Kermit's Bake Shoppe makes fresh pastries and pizzas and delivers by bicycle throughout the city.
The Good Karma Cafe - Fitler Square 331 S. 22nd St (@ Pine St.) Philadelphia, PA 19103 • Hours: 7 AM - 10 PM Everyday • Phone: 215.546.1479
The Good Karma Cafe - Society Hill 928 Pine St. (between 9th & 10th St.) Philadelphia, PA 19106 • Hours: 7 AM - 10 PM Everyday • Phone: 267.519.8860
The Good Karma Cafe - Schuylkill Banks 2319 Walnut St, Philadelphia, PA 19103• Hours: 6am-10pm Everyday• Phone 267-239-2068