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A new report in the Journal of the American Medical Association said too many men have been getting aggressive treatment that they don't need for prostate cancer. The study suggests the side effects of treatments outweigh their benefits.
The side effects of surgery and radiation treatment for prostate cancer can include sexual dysfunction and urinary problems, and now researchers say those treatments may be too radical.
Fireworks sales began Monday for the July 4 holiday, and although fire officials would rather see people play it safe and go see a professional pyrotechnics show, they realize some people enjoy lighting their own -- especially in San Antonio.
The attempted filibuster by Sen. Wendy Davis, D-Fort Worth, slipped off the rails, but Democrats were still able to defeat the legislation with a little help from citizens who packed the state capitol.
Davis' filibuster lasted about 11 hours, until the strict filibuster rules of the Texas Legislature allowed Republicans to end her attempt to block the bill just short of the midnight deadline.
The San Antonio chapter of the American Petroleum Institute is investing in the university's science technology, engineering and mathematics (STEM) fields and other programs that support the oil industry.
Although Texas A&M-San Antonio does not have a petroleum engineering major currently, the institute is supporting possibilities for the school's future.
Section four of the Voting Rights Act has been eliminated, and Texas can now legally enforce its voter I.D. law according to Texas Attorney General Greg Abbott.
Section four outlined which states would fall under the discretion of the Department of Justice what would require pre-clearance for implanting new voting laws under section five. Moments after the Supreme Court decision, Abbott issued a statement saying the Texas Voter I.D. law would take effect immediately.
On Monday the San Antonio River Authority re-opened a part of the Mission Reach trails damaged in last month's floods.
The section opened runs from VFW Boulevard to Mission Road.
SARA had to close portions of the Mission Reach after large sections of soil washed out from under the trails, creating a dangerous situation for pedestrians and cyclists.
Gloria Rodriguez, who is in SARA's Community Relations Department said some of those areas in the project have been repaired and are ready for exploring again.
They served a total of 32 years of faithful service to their country, and Tuesday, they retired.
Four members of the Canine Security Forces were formally honored at a ceremony at Joint Base San Antonio-Randolph.
The MWDs – or Military Working Dogs -- were awarded certificates of meritorious service. Commander of the 902d Security Forces Squadron, Major Gregory Bodenstein, says all the dogs are war heroes.
This week starts local performances with Lackland Air Force Base's Band of the West, led by Captain Michael Hoerber. The concerts are free and open to the public, but tickets are recommended for early seating. (For the San Antonio concerts at Sea World, admission is required to the park, but the concert is free inside.)
The patriotic program includes music of all branches of the military, and span from the Revolutionary War to today. Ensembles include their Concert Band, Dimensions in Blue, Warhawk, and soloists Ainsley Davis and Jennifer Daffinee.
Teachers and staff members in the San Antonio Independent School district will receive a boost in their paychecks starting next semester.
Raises do not happen every year, but the SAISD wanted to introduce a more competitive pay scale to match up with its Bexar County counterparts.
Now that the Texas Voter ID law is firmly in place, the Department of Public Safety will begin issuing Election Identification certificates to voters without a Texas identification card.

subset: commoncrawl


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Book your room at Embassy Row Hotel
Deluxe Room, 1 Queen BedMax Occupancy: 3 guests (up to 2 children, 2 infants)
Deluxe Room, 1 King Bed, Non SmokingMax Occupancy: 3 guests (up to 2 children, 2 infants)
Superior Room, 1 King Bed, City ViewMax Occupancy: 3 guests (up to 2 children, 2 infants)
Superior Room, 1 Queen Bed, City ViewMax Occupancy: 3 guests (up to 2 children, 2 infants)
Superior Double Room, 2 Double Beds, City ViewMax Occupancy: 4 guests (up to 3 children, 3 infants)
Deluxe Room, 2 Double Beds, Non SmokingMax Occupancy: 4 guests (up to 3 children, 3 infants)
Washington, DC hotel with rooftop pool and sundeck
With a stay at Embassy Row Hotel, you'll be centrally located in Washington, steps from Anderson House and Embassy of India.
This hotel is close to George Washington University and White House.
Make yourself at home in one of the 231 guestrooms featuring iPod docking stations. Your pillowtop bed comes with down comforters and Egyptian cotton sheets. Wireless Internet access (surcharge) keeps you connected, and cable programming is available for your entertainment. Private bathrooms with bathtubs or showers feature complimentary toiletries and hair dryers.
Be sure to enjoy recreational amenities including an outdoor pool and a seasonal outdoor pool. This hotel also features wireless Internet access (surcharge), a fireplace in the lobby, and a television in the lobby.
Enjoy a satisfying meal at a restaurant serving guests of Embassy Row Hotel.
Featured amenities include express check-in, express check-out, and complimentary newspapers in the lobby.Information missing or incorrect? Tell us!
Renovations & Closures
- Swimming pool
Embassy Row Hotel
At your hotel
In one of Washington, DC's most prestigious areas, the Embassy Row Hotel is 2 blocks from the shops, galleries, and cafés on Connecticut Avenue. The Dupont Circle Metro station is a half-block from the hotel. Across from the hotel is the Indonesian Embassy, occupying an opulent 1903 mansion with curved façade.
Hotel highlights include a rooftop pool and The Rooftop restaurant featuring cocktails and light fare. Wireless Internet access and garage parking are available for a surcharge. The property is smoke-free and fines apply for violations.
- Outdoor seasonal pool
- Multilingual staff
- 24-hour front desk
- ATM/banking
- Dry cleaning/laundry service
- Valet parking (surcharge)
- Free breakfast
- Express check-in
- Wireless Internet access - surcharge
- Total number of rooms - 231
- Number of floors - 10
- Restaurant
- Smoke-free property
- Outdoor pool
- Coffee/tea in lobby
- Complimentary newspapers in lobby
- Elevator/lift
- Express check-out
- Fireplace in lobby
- Rooftop terrace
- Porter/bellhop
- Luggage storage
- Safe-deposit box at front desk
- Television in lobby
Stay connected
Available in all rooms: Wireless Internet access (surcharge)
Available in some public areas: Wireless Internet access - surcharge
Park your car
Valet parking (surcharge)
In your room
- Premium TV channels
- Pay movies
- Premium bedding
- Climate control
- Coffee/tea maker
- Daily housekeeping
- Hair dryer
- Iron/ironing board
- In-room safe
- Desk
- Cable TV service
- Hypo-allergenic bedding available
- Complimentary newspaper
- Wireless Internet access (surcharge)
- Private bathroom
- Bathrobes
- Complimentary toiletries
- Slippers
- Bathtub or shower
- Cribs/infant beds (complimentary)
- iPod docking station
- Blackout drapes/curtains
- Down comforter
- Egyptian-cotton sheets
- Pillowtop mattress
Eat and drink
The Rooftop - A rooftop terrace venue with a pool and views of the DC and Virginia skylines. Serving locally inspired cocktails and delicious small meals that can be shared. Open Wednesdays through Sundays from 11 AM to 10 PM.
This Washington, DC hotel features a rooftop outdoor pool, open seasonally.
Rock Creek Park, just 5 blocks away, is a 1,800-acre oasis with hiking and biking trails, a nature center/planetarium, remnants of Civil War forts, and an 18-hole public golf course. Trail rides are available through the Rock Creek Park Horse Center. The park has 15 soft-surface and 10 hard-surface tennis courts; reservations are generally required.
The recreational activities listed below are available either on-site or near Embassy Row Hotel; fees may apply.
- Golfing nearby
- Bicycle rentals nearby
- Hiking/biking trails nearby
- Kayaking nearby
- Sailing nearby
- Scooter/moped rentals nearby
- Golf lessons available nearby
- Segway rental/tour nearby
To make requests for specific accessibility needs, complete the "Special or Accessibility Requests" section of "Trip Preferences" when you book your hotel.
- Accessible path of travel
- Accessible bathroom
- Roll-in shower
- Accessible parking
- In-room accessibility
- Accessibility equipment for the deaf
- Braille or raised signage
The fine print for Embassy Row Hotel
When you arrive
Minimum check-in age is 21
Check-in time starts at 3 PM
When you leave
Check-out time is noon
How you can pay
Accepted at this hotel: American Express, Diners Club, JCB International, MasterCard, Visa
Your pets
Pets allowed
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
Parking height restrictions apply
- Fee for in-room wireless Internet: USD 9.95 (for 24 hours, rates may vary)
- Valet parking fee: USD 45 per night (in/out privileges)
- Pet fee: USD 50
- Rollaway bed fee: USD 20.00 per stay


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Thank you for your interest in volunteering at Grand View Hospital. Combined, our volunteers contribute more than 56,000 hours a year and provide support to more than 40 hospital departments.
Grand View Hospital hosts two volunteer programs. Our Adult Volunteer Program is designed for adults 18 years old and over; our VolunTeen Program is designed for teenagers at least 14 years old.
Request Information Today
Choose the volunteer program you are interested in to receive more information on Grand View volunteer opportunities:
Ways to Give & Volunteer Resources
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Let us help you find more information on volunteer services at Grand View Hospital. Choose the best way to connect with us.


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For Immediate Release
Contact: Eileen Cross, 831.676.7090
Santa Cruz -- California Governor Jerry Brown officially declared a drought emergency in California on Friday. Though the governor's declaration makes the drought "official," the Water Department has been preparing for months for the possibility of severe shortages and even rationing. The City of Santa Cruz continues to be under Stage 1 water restrictions, its Water Department the only water agency in the county to enforce a formal restriction program.
The Governor's declaration will have little impact on the City of Santa Cruz water operations, but the governor has asked that all residents voluntarily cut their water use by 20%. The Water Department website provides tools for residents to learn how to cut their water use and the department provides free water-saving fixtures to its customers, in addition to rebates for new energy efficient appliances. "The ongoing extremely dry weather conditions have much more impact on Water Department operations than the formal declaration of a drought," said Linette Almond, interim Water Director.
In addition to the Stage 1 water restrictions, the City is asking all residents to shut off their landscape irrigation systems, check for and immediately fix leaks, and to make water conservation a top priority. For more information on the City's water supply, Stage 1 water restrictions and ways to save water, visit www.cityofsantacruz.com/water.
City of Santa Cruz Official Government WebsiteSanta Cruz City Hall, 809 Center Street, Santa Cruz, CA 95060©2009 City of Santa Cruz. All Rights Reserved. | Website Created by Vision Internet.Coastal images in the City of Santa Cruz homepage banner courtesy of Michael Santa Cruz


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Yay! Our good friend James, aka the Sterinator, won the Steri-Stumpi ambassor of the month award. The Steri marching band sterinaded him at the UCT lab. Good times! We made a little video clip. So proud of you James!
Also check out the Steri Stumpi blog: here You can find the Steri advert that Jonny D, our cousin, made there as well.


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News and Talk
Classical Music
Orlando Haitians: Four Years Later, There's Still More Work To Be Done
January 9th, 2014 | WMFE - Sunday marks the 4th anniversary of the earthquake that devastated Haiti. Here in Orlando, local officials and the Haitian community are partnering to commemorate the tragedy.
The event in Orlando's City Hall Thursday night may be called "Remembering Haiti," but for those in attendance, it's hard to forget what happened on January 12, 2010.
"I think it sort of brings us back to that particular day with everything that happened…but I think you know, it's almost like veteran's Day," says Marjorie Joseph.
Joseph's family is still in Haiti. Her aunt died from Cholera after the earthquake—but Joseph says she's thankful the rest of her family was safe.
Part of the night was spent discussing what's next for the country that's still recovering and rebuilding.
Laurent Prosper, the chief of mission at the Haitian Consulate in Orlando, says there's been some progress, like helping get people off the streets, but there's still more work to be done.
"We're not completely satisfied, and that's why we're continuing working on looking for jobs and creating jobs for the population and making the country more stable," Prosper says.
The Remembering Haiti vigil was started in 2011. Organizers of the event say it will be held every year until Haiti gets back on its feet.


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Deborah L. Jacobs, Forbes Staff
I cover personal finance for baby boomers.
Roth individual retirement accounts are the simplest, best tax planning tool around. I've written many articles and a book encouraging people to take full advantage of them. But lately I've started thinking that Congress should seriously limit their use.
These are the main reasons why Roths are so great:
Appealing as this is in theory, very few ordinary folks take full advantage of Roth IRAs. Why not? Because they don't want to–or don't have the money to–pay the income tax up front. It may also be hard for them to conceptualize that if the investments explode in value (and/or tax rates rise later) they will have paid off their IRA tax bill at a bargain rate.
In contrast the super wealthy, who have no problem paying the tax, have taken this strategy to extremes. I bumped up against some striking examples in the course of reporting a recent article for FORBES magazine about tax strategies with pre-IPO stock.
Perhaps the most dramatic one involves Max R. Levchin, chairman of social review site Yelp. In 2010 he sold 3.1 million shares of Yelp held in his Roth IRA. Most of the $10.1 million he received was profit. But Levchin, a 36-year-old serial entrepreneur who started PayPal with billionaire Peter Thiel in 1998, won't ever have to pay a penny of income tax on those gains. That's because all earnings in a Roth IRA are tax free so long as its owner waits until age 59 1/2 to take money out.
Moreover, Securities & Exchange Commission filings show Levchin still has 3.9 million shares of Yelp, which closed today at $24.6, in his Roth. So it appears his tax-free "retirement" kitty is worth at least $95 million—and maybe a lot more. We don't know, for example, if Levchin's Roth owned stock in social app company Slide, which he started in 2004 and sold to Google for $182 million in 2010. If Levchin doesn't spend his mega-Roth in retirement, he can leave it to his kids or grandkids, who can, under current law, stretch out income-tax-free growth and withdrawals for decades.
Yelp shares in Levchin's Roth do raise a legal issue. Tax rules bar you from investing your IRA or Roth IRA in a business you control—such a "prohibited transaction" can render the IRA immediately taxable and possibly subject to penalties.
It's clear that if you own a small business, your IRA or Roth IRA can't invest in it. But what if you are chairman or CEO of a private firm with many investors and buy its shares for your Roth? SEC filings show that in 2001, while CEO of PayPal, tech investor Thiel bought 1.7 million shares of that company for 30 cents a share through his Roth. In 2002 eBay bought out PayPal for $19 a share—an apparent $31.5 million tax-free profit for Thiel. It also appears from a letter we discovered in a federal court case that some of Thiel's early investment in Facebook Facebook was also through his Roth IRA. He now sits on Facebook's board.
Is this kosher? FORBES has been told reward-seeking informants are filing claims with the IRS Whistleblower Office, flagging such transactions as improper. But IRA expert Noel Ice says it's a gray area, with little IRS or court guidance. Buying closely held stock for an IRA is probably okay, he says, so long as the IRA's owner doesn't have—when all his investments are combined—voting control of that company. Levchin, Thiel and the IRS wouldn't comment.
"Roths are really there for the big hitters — not for the common schlep who is going to have a hard time funding the IRA," says John Buckley, former chief Democratic counsel to the House Ways and Means Committee, who is now a visiting professor at Georgetown University.
After I wrote about how tech titans are using Roth IRAs to dodge mega millions in taxes, I received an e-mail from a reader named Eugene (he asked me not to use his last name), a 31-year-old computer programmer in New York, asking how Levchin and Thiel could accumulate so much in their IRAs given the annual contribution limits of $5,000 per person ($6,000 if you're 50-plus).
The most likely answer is that these entrepreneurs, who have had considerable career mobility, rolled over 401(k)s into Roth IRAs when they changed jobs, and then invested the funds in pre-IPO stock — not just of their own companies, but in others as well. (For another route to a Roth see, "How A High-Earning Couple Got Roth IRAs And You Can Too," by FORBES associate editor Ashlea Ebeling.) The same strategy would work for venture capitalists or other people who have access to pre-IPO stock.
Note: If you do want to put nonpublicly traded stock in an IRA or a Roth IRA, you'll generally need to use a special custodian who handles "self-directed" IRAs. (The big brokers, banks and mutual fund companies that hold most IRAs generally limit investments to publicly traded stock, bonds, mutual funds and bank CDs.) Levchin and Thiel have used San Francisco-based Pensco Trust Co. to hold their Roth IRAs.
As part of its marketing efforts, Pensco called attention to a Wall Street Journal report in January that Mitt Romney held as much as $101 million in an IRA; we don't know for sure, but The Journal inferred that it was not a Roth. Speculation was that his IRA grew so large by investing in Bain Capital, the private-equity firm he helped start.
The day after The Journal story ran, Pensco issued a press release noting that Romney's IRA would be even more valuable if it was a Roth account, because he would not have to pay income tax on withdrawals. In the same release, Pensco stated that it "has more than 250 IRA accounts between $1 million and $100 million. Three accounts each have more than $100 million."
Still, when Congress created the Roth, the lawmakers probably didn't envision thirtysomethings or presidential candidates accumulating mega million IRAs. In fact, the Roth IRA "was a result of a conscious, contemptible manipulation of the budget rules," Buckley says.
In 1997, then Senator William Roth (R-Del) wanted to restore the traditional IRA which had been repealed in 1986, and the upfront tax deduction that goes with it. Under congressional budget rules, which work within a 10 year window, the revenue cost of giving that tax break to everyone was too high. So his staff limited deductible IRAs to people with very low income, and made Roth IRAs ( initially with income limitations) available to others. That slid the revenue cost outside the 10 year window and got the legislation out from under the budget rules. Senator Roth, who died in 2003, left behind a generous legacy for taxpayers who could afford to pay the tax up front and then achieve outside rates of return.
The legacy got even more generous in 2010. Since then, anyone, regardless of income, can convert a traditional IRA to a Roth. Another Roth strategy, for people who are about to change jobs or are approaching retirement is to roll the assets directly from a company plan into a Roth IRA, but they must pay income tax on the account balance.
Economists have warned about exploding future revenue losses associated with Roth IRAs. With these accounts, the government is "bringing in more now, but giving up much more in the future," says economist and FORBES contributor Leonard Burman. In a study for The Tax Policy Center, Burman calculated that from 2014 to 2046, the Treasury would lose a total of $14 billion as a result of IRA-related provisions in the 2006 tax law. The losses stem from both Roth conversions and the ability to make nondeductible IRA contributions and then immediately convert them to Roths.
These revenue losses come at a time when the baby boomers are aging, placing greater demands on the federal government, Burman says. '"Passing on more financial problems to our kids is really irresponsible. We're leaving them a weak budget situation to begin with. Cutting off a major source of revenue makes no sense."
What's more, he notes, the people for whom a Roth is the best deal are those who really don't need the savings for retirement–they're the ones who plan to leave these tax-free accounts to their kids.
For people who've already set up Roths–and those who inherit those accounts–Congress shouldn't change the rules. People have done their tax planning with these rules in mind. (Full disclosure: I am one of them.)
Going forward, here are two changes that would make sense from both an economic and a tax policy perspective:
1. For new Roth IRAs, cap the amount that can accumulate in the account. Once the balance in the account reaches more than $10 million, IRA owners should be required to withdraw the excess on an annual basis and pay tax on the earnings at ordinary income rates.
2. Limit tax-free inherited Roth IRAs to $1 million per beneficiary, adjusted for inflation. Inheritors should be required to withdraw the excess on an annual basis and pay tax on the earnings at ordinary income rates.
What is Congress likely to do? Nothing, says Thomas L. Hungerford, a specialist in public finance at the Congressional Research Service, and co-author of a recent report on the complexities that surround IRAs. Tech titans with mega millions socked away in Roth IRAs are outliers, he says, and Congress shouldn't change tax policy for outliers.
Presumably the likelihood of that happening will grow even more remote if the next president of the United States turns out to be one of them. Asked about his taxes, Mitt Romney told The Wall Street Journal: "I can tell you we follow the tax laws, and if there's an opportunity to save taxes, we, like anybody else in this country, will follow that opportunity." We can bet he'd like to keep it that way.
Additional reporting by William P. Barrett and Janet Novack.
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Archive of Forbes Articles By Deborah Jacobs
Deborah L. Jacobs, a lawyer and journalist, is the author of Estate Planning Smarts: A Practical, User-Friendly, Action-Oriented Guide. You can follow her articles on Forbes by clicking the red plus sign or the blue Facebook "subscribe" button to the right of her picture above any post. She is also on Twitter and Google+
There are lots of loopholes that Congress could close if it put its mind to it. It could place a reasonable upper tax free limit on spousal inheritances. There was no particular reason for Mrs. Jobs to inherit billions of dollars in tax free wealth on the death of her husband, other than the fact that the law allowed it. Wouldn't $25 million tax free have been enough? But as long as the voting public continues to elect people like Paul Ryan and Orin Hatch, the loopholes will remain open.
The irony of all this is that the children of the Family Values folks will inherit a country that is heading for a financial catastrophe.
Curious to know why Romney seems to be your target as an example of someone being an unjust Roth beneficiary.. what about Sen John Kerry, Corzine, Jane Harmon, Lieberman, Pelosi.. all multimillionaires with FAT Roth IRAs – these people are as wealthy of NOT wealthier than Romney.
You are SO transparent.
Thanks for the response.
Interestingly, the other IRA article references in your article *ALSO* selectively slams into Romney. For you to say that you were essentially following other reporters leads because "Romney's is in the public eye" is hardly an excuse to use. There are excellent journalists everywhere that are even handed and who do not follow the cliches of the mainstream media.
I think everyone who gets involved with this topic is over-thinking this matter. Some of you are out to seem smarter than the next person. Some of you are just worried about something that you can't control. Some of you are funny like this guy Listing names of Democrats because of the previous comment directed at the Republican who just lost in the election. I am not Republican or democrat. I'm not green either. I'm anti-filibuster. I'm anti-Black-Ball. For the Free Masons of the world, they know what Black-Balling is. Most of the people reading here know it too.
The big "What if?" scenario….
What if, they change Roth IRAs on the American People?
What if, they privatize Social Security?
What if, they do this or do that?
Here's a few of my ideas:
What if, the laziest work force, aka the US Goverment, didn't get a pension anymore after 20 years of service?
What if, the American People stopped re-electing the same people into the Senate & House just to stop career politicians.
I vote for turn-over, just to break it up & shake it up !
Have you ever driven a car in New Jersey? Needed Gas?
What if, the President made it a federal Law, that every state enforce the Gas Stations must pump your gas for you?
Let me kill the noise now, of all the arguments I've heard from PhD's to IVY LEAGUERS I know about the Federal FULL Service Gas Pump idea.
1. The stupid politicians like Romney & Obama who debate about creating jobs, that could create millions of jobs & a clown or a monkey could be trained to Pump Gas. HS Degree, GED, HS Student age 16 can do that job. Employees pumping gas buy stuff. INSTANT FIX to this economy.
2. Well Gas Owners could never afford that? They would shoot that idea down faster than the NRA would kill a politician who is trying to control guns!
(My reply)~ In South Jersey they pump the gas for you. The gas is about 40 cents per gallon cheaper here in South Jersey than these 4 nearby states: PA, DE, NY, & MD.
3. People don't like having the gas pumped for them, that would be a tough sell.
(My reply)~ Charge extra to pump your own gas. Ever see this at a Gas Station? Cash 3.12 per gallon Credit 3.24 per gallon…
They already charge extra to use credit card. For the old people who are nostalgic about freezing in 25 degree weather to show how tought they are by pumping their own gas, let them pay more to do it.
That would help tremendously.
If they privatize Social Security or change it into a 401K kind of fund, or adjust this Roth IRA to something else, don't be so selfish about this!
The whole country can go in the tank or something like this can happen to prevent that. People need to see the big picture before it's simply too late.
This article and others that will appear over the next decade or so, are a primary reason why I chose NOT to convert my tax-deferred IRA's into Roth's.
Why pay taxes now under a grand "bargain" that the government can then "reevaluate" later?
The conversion to Roth strategy only works if you have assets outside the Roth sufficient to pay the taxes, which is pretty unusual.
While I agree that the Roth conversion works best when you have outside assets available to pay the taxes, the conventional wisdom that a Roth conversion can only make sense if you have outside assets is inaccurate (specifically for individuals over age 59-1/2 who can avoid the 10% early distribution penalty on taxable IRA distributions).
Case in point: I have a $10,000 traditional IRA I would like to convert this year to a Roth IRA, but I would need to use IRA assets to pay the conversion tax. Let's assume my federal tax bill would be $2,800, so I will be left with only $7,200 in my Roth IRA following the conversion. Is it possible for me come out ahead if my tax rate is higher in the future? All other factors being constant, even a 1% or 2% increase in my future tax rate can result in me benefitting from my Roth conversion.
Let's assume that over the next 10 years my IRA investments double in value, and my top federal tax rate increases from 28% to 30%. Had I not converted my traditional IRA this year, it would be worth $20,000–which would provide me with $14,000 of expendible income after paying taxes. Under the Roth conversion scenario, on the other hand, my Roth would have increased in value to $14,400–all of which would be tax free upone distribution (a $400 net benefit).
If I remember the rule of 72 correctly that would mean you earned over 7%. Good job. Actually that is not that important though. My thinking on Roths is that ordinary mortals are more likely to tap into their IRAs when they really need them, which may mean when they are in a lower tax bracket perhaps from long unemployment or some sort of medical disaster. I think of paying that up front tax from the conversion as equivalent to hitting your head against the wall because it feels so good when you stop. If there are no or neglible assets outside the IRA I would not think about converting unless there was a large loss or something that made it close to a free lunch. I also fear some sort of gotcha excise in the future. I actually have recommended the strategy a couple of times but I think it is more limited in its appicability than many people think.
Do you feel the same way about making annual Roth IRA contributrions and/or Roth 401(k) contributrions? If not, why? I'd also be curious to hear your thoughts about the tax risk diversification aspects of Roth (i.e., since I don't know what the future tax rates will be, perhaps I should diversify my tax risk by putting part of my retirement savings in traditional tax deferred, and part of it in Roth).
As long as there are wealthy people who have access to the best information and advisors to assist them, they will find ways to use the system for themselves. It is an inherent part of the system. The only way to end these types of situations is to have a truly cleaned out tax code, but politically that won't fly, so I guess we may just be stuck. However, I will give these people this much credit. They took big risks with those companies. We would not be saying anything if the companies went bankrupt or weren't nearly as successful as they have been. Maybe we can hope that they will use some of that money toward projects that help mankind. If not – well, as we may say – let your conscience be your guide. It is easier for a camel to pass through the eye of the needle than for a rich man to enter heaven.
If the federal government needs more revenue, then it can start by making the half of the population who pays virtually no income taxes start paying them instead of changing Roth IRA rules.
The real issue of irresponsibilty regarding the federal government is too much spending – not too little taxation. Too much spending on a great many things it never had any legitimate Constitutional authority to be involved in to begin with.
The people whose taxes you want to raise by changing Roth rules are already paying more in federal taxes on an absolute dollar basis than the absolute dollar value of explicit government services that they are personally receive in exchange for their money calculated on a user fee basis.
Fairness in paying for goverment provided goods and services is no different than it is in the private sector – on a user fee basis.
The half of the population paying no federal income taxes are certainly getting plenty of those governmet services. It's time that they started paying up for them.
The VAT will ultimately take care of "tax free" vehicles. Like Doug81, it's tough to play on a field where the rules will likely change in the future, and the reason I am less than enamoured with Roth.
Does your article have anything in common with reality? Did you check the regulations re eligibility? Here they are:
Congress has limited who can contribute to a Roth IRA based upon income. A taxpayer can contribute the maximum amount listed at the top of the page only if their Modified Adjusted Gross Income (MAGI) is below a certain level (the bottom of the range shown below). Otherwise, a phase-out of allowed contributions runs proportionally throughout the MAGI ranges shown below. Once MAGI hits the top of the range, no contribution is allowed at all; however, a minimum of $200 may be contributed as long as MAGI is below the top of the range (e.g. A single 40 year old with MAGI $119,999 may still contribute $200 to a Roth IRA vs. $30). Excess Roth IRA contributions may be recharacterized into Traditional IRA contributions as long as the combined contributions do not exceed that tax year's limit. The Roth IRA MAGI phase out ranges for 2010 are:
Single filers: Up to $105,000 (to qualify for a full contribution); $105,000–$120,000 (to be eligible for a partial contribution)[5]
Joint filers: Up to $169,000 (to qualify for a full contribution); $169,000–$179,000 (to be eligible for a partial contribution)[5]
Married filing separately (if the couple lived together for any part of the year): $0 (to qualify for a full contribution); $0–$10,000 (to be eligible for a partial contribution).
The lower number represents the point at which the taxpayer is no longer allowed to contribute the maximum yearly contribution. The upper number is the point as of which the taxpayer is no longer allowed to contribute at all. Note that people who are married and living together, but who file separately, are only allowed to contribute a relatively small amount.
First, the author unfortunately wrote this article in a heavily biased manner (and perhaps with a hidden agenda). Roth IRAs aren't only a tool of the rich. Anyone can learn how to use them effectively. The IRS website has plenty of resources available. Several investing websites, that are open to the general public, exist where all kinds of strategies–including ideas on using Roth IRAs–are discussed openly. I've attended several free programs (put on by the SBA, SCORE and other groups) that were meant for the general public at several public libraries in OH and DC where CPAs, tax/estate-planning attorneys, and financial planners presented various strategies on effectively using Roth IRAs. And the list goes on. . . .
Second, many people–whether rich or otherwise–aren't aware of the differences between Roth and traditional IRAs. Many CPAs and attorneys–even those who specialize in tax or estate planning law–don't understand all of the nuances. I've studied about Roth and traditional IRAs for years, and I still don't know everything there is to know about them.
Third, the author's comments on self-directed IRAs demonstrate that she clearly hasn't done enough research on them. Equity Trust, Quest, Guidant, and other providers offer their account holders a lot more options–like investing in real-estate, forex, horses, etc–than the ones that the author presented in the article. Their websites are bursting at the seams with lots of content on various investing options/strategies.
Finally, the tax laws regarding Roth IRAs aren't biased towards the rich, and they don't need to be changed. Rather, people need to stop listening to pundits rant, and take some initiative to research the information themselves. Anyone can learn how to effectively use Roth IRAs.
How does a person even get that much money in their Roth IRA in the first place? I mean he bought "1.7 million shares of PayPal for 30 cents in his Roth." That is $510,000. Levchin is only 36, if this happened in 2001, he was about 25. How does some contribute that much to his Roth IRA to purchase the shares in such a short time? I thought there were contribution limits and at that time rollover income limits?
The worst part of all about our tax laws are not necessarily the rates, but the unfair bait and switch techniques of changing IRS laws not allowing people to plan. What happen to keeping promises? If they make a promise (Roth tax law), and as soon as it looks like a less than favorable deal for the government, they break their promise. It shows a complete lack of trustworthiness, and deserves similar treatment back from the US citizens. Just let me know the rules, and have the rules last long enough so I can plan. It's only fair.
Put restrictions on the ROTH versions of retirement programs????
You boomers just don't want to give any Gen Y, Gen X or Millineals a shot in this country do you?
I hope you enjoy ditch-poor nursing homes and no visits from your children or grandchildren. Not because they choose to, but because they can't plain afford the freaking gas.
Hope the Jim Morrison and pot was worth it you burnt out hippies.
How very communist of you, advocating another way that the government should confiscate people's money.
What is next after "outing" wealthy people who may or may not be taking advantage of the tax code, making them wear yellow stars on their clothing?
As an educated financial industry columnist who writes on Baby Boomer subjects you do understand the consequence of what you are asking for correct?
Currently, Roth accounts are only one out of a very small handful of solutions that are not counted as income by Medicare.
You are asking for yet another reason why investors should opt out of the market and work solely with Life Insurance.
Please dig a little deeper to see how health costs will impact financial plans of investors and what little they all have to control these spiraling costs
Once you give anyone an inch, they will take a yard- (Congress will take far more and misuse our money and rack up more debt)
The author does not understand that the Roth and traditional are exactly the same thing if tax rates remain unchanged. A huge part has been missed in this story, they contributions are taxed upfront! That means they would have invested even more and made even more in a traditional IRA. Then at the end, they would be taxed on the gains and ended up with the exact same amount (assuming tax rates were the same).
If you pay taxes when the money goes in, it's not the contributor's problem if the government can't get the same rate of return as the investor does on his piece. The investor is also taking an outsized risk on that money as well.
It's really basic math that everyone misses, the government could have taken it's tax money it got up front and invested the exact same way as the investor. It then comes away with exactly the same gain as the IRA holder. It's not prudent, but also not prudent for the investor to take such risk either.


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StrikeMaster® Replacement Blade for 7" Power Lazer Blade
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Daily Iowegian
On Monday, Dec. 3, the Wayne County Sheriff's office arrested Richard Raymond Backstrom, 42, of Clio, following a traffic stop in the 2000 block of Highway 2. During the course of the traffic stop deputies located a large quantity of marijuana in the vehicle being operated by Backstrom. Backstrom was arrested and charged with driving while suspended, a simple misdemeanor, and manufacturing marijuana, a class D felony.
An investigation by law enforcement with the Wayne County Sheriff's office and South Central Iowa Drug Task Force led to the execution of a search warrant at the residence of Backstrom and Jeffrey Gene Dhabolt Sr. located at 101 Main St. in Clio.
During the execution of the search warrant officers located items consistent with the manufacturing and delivery of marijuana to include, but not limited to the following: approximately five pounds of cultivated and packaged marijuana, marijuana plant stocks. multiple scales, packaging material, potting soil and fertilizer, numerous firearms and ammunition and multiple items of drug paraphernalia
Dhabolt, 50, was arrested during the execution of the search warrant. Dhabolt and Backstrom were each charged with the following crimes: Manufacturing a schedule I controlled substance, marijuana, a class D felony, possession with the intent to deliver a schedule I controlled substance, marijuana, a class D felony and failure to affix a drug tax stamp, a class D felony. Backstrom was additionally charged with four counts of possession of a firearm by a felon, each being a class D felony.
Backstrom is currently being held in the Wayne County Jail in lieu of$35,000 bond. Dhabolt is also being held in the Wayne County Jail in lieu of $15,000 bond
Assisting the Wayne County Sheriff's office in this investigation were the South Central Iowa Drug Task Force, the Appanoose County Sheriff's office and Wayne County Attorney's office.
A criminal charge is merely an accusation and the defendant is presumed innocent until and unless proven guilty in a court of law.


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Professional Stainless Steel Pasta Server
Farberware's Professional pasta server is light and perfect for everyday use. The perfect tool for draining and serving pasta. One large hole in the bottom of the fork drains water away quickly, and the long handle keeps your hands clear from steaming pasta.This pasta server is made of durable 18/0 stainless steel and polished to a mirror finish. The handle includes a built-in loop for hanging and storing. Dishwasher safe. Professional Stainless Steel Pasta Server measures 11-1/4 inch long.


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NAG C Library Associated Information
Windows DLL support for various environments
The Windows DLL versions of the C Library are callable from many different environments including
- Microsoft Visual C++
- Microsoft Visual Basic 6
- Microsoft Visual Basic .NET
- Microsoft Excel
- Java
Projects illustrating the use of the DLLs from the above environments are presented here:
It is expected that, as experience is gained in new environments, further advice on the interoperability of the NAG C Library Windows DLLs will become available and we intend to publish updates to the advice in these documents from time to time.
Calling NAG C Library (DLL) from C#
Microsoft has provided techniques for calling non-managed code from C#, and .NET generally, summarized in three key concepts: attributes, assembly, and marshalling. Using these concepts it is possible to call the vast majority of NAG C Library functions fairly easily. Details for C Library Mark 23 are given here.
Calling the NAG C Library from Java
Detailed instructions on how to call routines in the NAG C Library from the Java programming language are given in this Technical Report.
We show examples using Java running on both UNIX and Microsoft Windows platforms. The techniques described are also applicable to other libraries, such as the NAG Fortran Library.
Decision Trees
Decision Trees within many chapters in the NAG C Library make finding the right routine easier and quicker. These trees are incorporated into the chapter introductions and lead the user through some simple yes/no questions that categorize the problem and lead to suggestions of the most suitable routines to be used.


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Sgt. Jarred L. Adams, a U.S. Marine scout sniper, received the Silver Star, the nation's third-highest military combat award, at a ceremony June 10. Lt. Col. Nicholas F. Marano presented Adams, of the 1st Battalion, 7th Marines, with his combat decoration that day at Camp Al Qa'im, Iraq.The Silver Star goes to someone who demonstrates "gallantry in action against an enemy of the United States.""I don't think I did anything any other Marine wouldn't do," Adams was quoted as saying in an online Marine News account posted June 10.A 2002 graduate of alternative high school Valley Pathways, Adams enlisted July 30, 2001, and shipped out to boot camp in September 2002, said Staff Sgt. Albert Dervaes, at the time a Marine recruiter in Wasilla.Dervaes said in a telephone interview Tuesday that he remembered Adams."He was one of those kids we didn't really have to keep tabs on. Some guys you really gotta baby-sit," Dervaes said."He sought us out," the recruiter recalled. "He was not somebody we bumped into at the mall."Adams enlisted for the infantry and went on to become a scout sniper. It's a tough outfit to get into, Dervaes said. Applicants must score high on the Armed Services Vocational Aptitude Battery and on the rifle range too.Snipers are a very small group, Dervaes said.Adams, who is serving in Iraq, earned his Silver Star in January 2005 in the city of Husaybah in the Al Anbar province, an insurgent hotbed near the border with Syria, according to the Marines' account online.Insurgents armed with machine guns and rocket-propelled grenades attacked a Humvee carrying Adams and several other Marines, according to the account written by Cpl. Antonio Rosas of the 7th Regimental Combat Team.The attack killed one Marine and wounded others, including Adams, who was hit with shrapnel and burned by the disabled Humvee. Adams took position and returned fire.Adams then returned, under fire, to the Humvee, removed the body of the fallen Marine and carried him back through an open intersection "while broadly exposed to enemy fire," Rosas wrote.Back at headquarters, Adams finally sought treatment for his wounds."I am very proud that we can count on Marines like (Sgt.) Adams," Rosas quoted Marano, Adams' commanding officer, as saying. "He is an example of the kind of leaders we have in this battalion."
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BOS – Matt Moulson stood facing his locker stall, his back to the rest of the dressing room following the Sabres' debacle in Anaheim. Moulson slowly took off his equipment, hesitant to turn around and look at anyone.
The Buffalo newcomer had just been benched for the final 26:11 and seemingly didn't know how to act.
"It's the most embarrassed I've been in my career," Moulson told The Buffalo News.
The 30-year-old has had a distinguished career. He's topped 30 goals three times and is on pace to do it again. He's played 339 games after spending three seasons in the minors and working his way into the league.
And yet there he was sitting shoulder-to-shoulder with center Cody Hodgson and right wing Tyler Ennis for the entire third period, watching his new teammates finish a 6-2 loss. Did he know why?
"No, you have to ask him," Moulson said of Ron Rolston.
"We've got to work, and we didn't feel that the work was there," the coach said of the top line.
While they'd generated just one shot, they weren't on the ice for any of the Ducks' goals. They've accounted for nine of the Sabres' paltry 31 goals this season, but they apparently weren't needed with the team down by four.
"Obviously, it's tough," said Hodgson. "You want to help the team win, but the other lines were working hard and getting on the forecheck and that kind of thing. I always wish them the best."
Moulson, a pending unrestricted free agent acquired last month, is getting a harsh introduction to the Sabres' rebuilding scheme.
"It seems like they just have lapses for a little bit, get down a little bit and then it's tough to get back in this league when you do that," he said. "We have to move on and be better."
taggedMatt Moulson


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Foxcroft Short-Sleeved Polo Dress 8 8
Wonderful Dress but too big! I ordered a large based on the reviews. Unfortunately it was too big. I'm returning it for a medium and hoping it's not too small. I'm 5'2" and weight 130lbs, my waist is 34" and hips are 38". I normally wear a medium. I love TravelSmith Clothes!!! October 23, 2013
Great fit I love the fit of this dress! It packs really well, and I washed it in the machine and put it in the dryer and it came out looking great. It is great for summer with a pretty belt. July 26, 2013
Wish they made dresses long enough for aged women I love polo dresses. I cannot find any long enough. These are too short for me and I am 5'2'. It also ran small. I usually wear a medium and even a small in some dresses and the medium was too small in this. June 10, 2013
returned it This is a nice dress, well made, and nice color. But it was a tad small around the middle for me. I ordered a medium, which I normally wear, but returned it. It is not cut as loosely as the picture would indicate. June 4, 2013
Comfortable and Classic I have always wanted a 'Polo dress' . . . now I would like another because it is so comfortable. Dresses are in! June 26, 2013
Great if you like very, very bright colors Maybe I am not the right generation as I really like the product but the color is just tooooooo bright for me. I was so looking forward to this comfortable dress May 30, 2013
Love the color and the way it fits. I'm a size 8 and the small was just a tad tight through the shoulders. Ordered medium and it fit. June 3, 2013
It's like a giant polo shirt! It is cute and comfortable! I got lots of compliments and I think it will be wonderful on warm days this summer! June 6, 2013
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Running man hunted by murder police (From Andover Advertiser)
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Running man hunted by murder police
12:49pm Thursday 2nd May 2013 in National News © Press Association 2014
Shazia Khan, left, and Nazia Maqsood make an appeal over the fatal stabbing of their father Muhammed Saleem in Birmingham
Detectives investigating the murder of a "defenceless" pensioner who was stabbed to death as he made his way home have launched an appeal to identify a man seen running in the area of the attack.
Father-of-seven Mohammed Saleem, 75, died after he was stabbed three times in the back in a "swift, vicious attack" just yards from his home in Small Heath, Birmingham, on Monday night, police said.
He was making the short journey to the home he shared with his wife Said Begum from evening prayers at his local mosque, where he was a regular worshipper.
West Midlands Police have released CCTV footage of a man seen sprinting near to where Mr Saleem was found stabbed to death in nearby Little Green Lane.
Officers described the man as a white male in his late 20s or early 30s who was wearing a beanie-style hat. He was seen in Wyndcliffe Road on Monday night.
Detectives have also issued CCTV footage of a seven-seat people carrier driving near the mosque as it is believed the two male occupants, both white men in their 30s, may be significant witnesses.
Detective Superintendent Mark Payne, who is leading the inquiry, said: "The man seen running nearby is being treated as a person of interest for the inquiry team, we need to know who he is so if anyone believes they recognise him I'd urge them to contact us...
"Mr Saleem was a defenceless pensioner returning home from evening prayers...it's a despicable attack. I'm confident someone, or perhaps several people, in the local community know who has done this or at least has their suspicions about who may be involved."
A joint family statement read during a press conference at West Midlands Police headquarters on Thursday described Mr Saleem as "a much-loved and respected community member". It added: "We can't express our feelings of sadness and devastation. It's hard to accept that our beloved father and grandfather has been taken from us in such a brutal way.
"If anyone has their suspicions about who may have been responsible, or overhears anyone talking about the attack, please don't hold that information back. Pick up the phone and let the police know... we beg you."


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Jazz is returning to Artpark as part of its summer-long 40th anniversary celebration.
Scheduled to perform on Artpark's Mainstage Theater are the Jazz at the Lincoln Center Orchestra with Wynton Marsalis on June 24 and Chick Corea & the Vigil on Aug. 2.
Tickets for the Marsalis show are $65 in the pit, $55 for prime seating and $40 for Sections A, B and C; admission for Corea is $45 in the pit and prime seating, $37 for Section A and $30 for Sections B and C. Lawn seats are not available for either concert.
Tickets for both shows go on sale at 10 a.m. April 19 through the Artpark box office, by phone at 754-4375 or (888) 223-6000 and online at www.artpark.net and www.tickets.com.


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Waukegan Tuesday, 11/27/12 Waukegan's Brianna Hines (12, center) gets tangled up with Deerfield's Elizabeth Pavalon (34, left) and Jessica Bess (42, right) during the second quarter of Tuesday evening's game. | Brian O'Mahoney~for Sun-Times Media
At Deerfield girls basketball games, one sound stands out: the voice of senior Jessica Bess.
"I like to yell," Bess said. "I have a loud voice."
The 5-foot-8 forward's volume is always turned up, whether she's on the court or on the sidelines.
Bess, a starter and defender in the post for the Warriors, can be heard screaming "Shoot!" as she runs out on an opposing shooter. And on the bench, away from coach Mike Muldrow and his assistants, Bess acts as part cheerleader, part student assistant.
"Jess does a good job leading just by the way she uses her voice, the way she picks up her intensity," junior Katie Hoffman said. "[We all] look up to that."
When Deerfield hosted Buffalo Grove on Monday, the Bison brought a cheerleading squad two dozen strong — an unusually high number for a weekday basketball game.
The cheerleaders created most of the noise inside Deerfield's gym, with the exception of Bess. She was the first off the bench to greet her teammates during breaks in the game, and called the Warriors to action once play resumed.
At one point, when Buffalo Grove came out pressing, Bess' voice rose up: "Go get the ball," she told her teammates, imploring them to help freshman guards Haley Greer and Margot Sylvan in the backcourt.
Deerfield's roster is inexperienced, featuring Greer, Sylvan and several other first-year varsity players. Bess, one of the few who played varsity last season, said her in-game expressiveness is necessary given her status as a team leader.
"I have a lot more experience than a lot of the other players," Bess said. "I know situation issues. When I'm speaking up and using my voice, it's to try and control the game."
Normally, that is the point guard's role. But Greer, a dynamic 5-7 scorer, is often tentative to speak up, so she will ask Bess to relay the play or message during a timeout or pause in the game.
"She'll [Greer] tell me one of the players isn't setting a screen or getting into her position. She'll say, 'Will you tell them they have to do this,'" Bess said. "I'll say 'OK' and tell them, 'You need to get to this spot.' We are pretty good on this team about taking constructive criticism."


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Bread Baking
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Christmas Cornflake Wreath Cookies117 Reviews 7 Pics
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Adjust Servings
Original recipe yields 3 dozen
- Microwave marshmallows and butter on High for 2 minutes. Stir, then microwave on High for 2 minutes more. Stir. (This can be done in a double boiler if one doesn't have a microwave.)
- Add and mix quickly the coloring, extracts, then cornflakes. Drop by spoonfuls in clumps on greased wax paper and decorate with 3 red hots each.
- Once cool, transfer to lightly greased serving/storage tray with lightly greased fingers.
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Reviews (117)Rate This Recipe
This recipe is very similar to one I grew up with but we call them Holly Cookies -- we just don't add the extracts. Some advice for the cooks with difficulties. If the cookies are too sticky, the butter and marshmallow were not cooked long enough. I prefer to cook these on the stove (without a double boiler) for more control. The trick to getting the red hots to stick is to work with another person to place them IMMEDIATELY. At my house, Holly Cookies are a "team event". While one person spoons out the cookies (and tries not to burn fingers :-) ) the other person follows right behind with the red hots -- good kid job!
This recipe is a great. I made a few adjustments. I buttered a big bowl, added the cornflakes then poured the warm mixture over stirring with a buttered spoon. You have to work fast once you pour the marshmallow over the cornflakes or as it cools, things become more little sticky (what does one expect working with a marshmallow recipe right?). I used real butter, made little blobs instead of wreaths with a buttered tablespoon for faster assembly, omitted the almond extract(don't like) and melted via double boiler for better control (personal preference), and then refrigerated them for faster setting. It is really a fast and fun holiday treat that gets raves in my house.
These were good cookies but the almond extract took over the entire cookie. I would make these again, but next time I would leave the almond extract out of the recipe.
Similar Recipes
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Amount Per Serving (18 total)
- Calories
- 117 cal
- 6%
- Fat
- 5.2 g
- 8%
- Carbs
- 17.9 g
- 6%
- Protein
- 0.7 g
- 1%
- Cholesterol
- 14 mg
- 5%
- Sodium
- 92 mg
- 4%
Based on a 2,000 calorie diet
previous recipe:
Frosted Christmas Wreath Cookies
next recipe:
Holly Christmas Cookies


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Along with Julian Thew and Jake Cody, Rupert Elder is part of that rare breed currently proving that nice guys don't necessarily finish last. Already a successful online pro, Rupert showcased his talents on the live felt with victory at EPT San Remo, collecting a shiny trophy and the small matter of €930,000 for first. Must be nice.See here for more on Rupert's EPT win.
Where did you go in 2011? I went to quite a few new places as well as some more regular haunts. Some of the poker trips ended up being predominantly drinking trips as I busted out of main events, but I did manage to have a weekend in Monte Carlo with a couple of friends. I always enjoy Tallinn and went twice - once for the EPT and another for the annual University of Warwick poker society trip. We got there and discovered the gambling age was 21, which ruled out nearly everyone, but allowed us to focus on the drinking, so it was fantastic fun. How did you celebrate your EPT win? Was it fun going deep with Andrew Teng? [Andrew Teng came 12th in the same event and is one of Rupert's closest friends.]
It was fun, and we were staying together so it was very good for morale. I was on his left on two separate days and got a couple of three-bets through, but he's such a gigantic nit that he didn't really get in my way. It was a pretty quiet celebration; there isn't a whole lot to do in San Remo so we just went to a bar and drank. I retired pretty early as I was absolutely shattered and had an early flight that I didn't want to miss as I'd been on the road for over a month and was looking forward to getting home!
I haven't bought anything nice really. [James] Keys forced me to walk round a Mercedes garage, but I wasn't overly impressed. Also, I just moved to London so don't really need a car now. I have taken on a few horses though, all of whom are liable to get into a decent amount of makeup at any moment. I suppose a lot of people would think that's a bit splashy if they looked at the numbers but I have a lot of belief in them to make us more money. Can you give us an insight into your daily routine? When I'm not traveling, I try to play every day. This year I told myself that I want to focus on tournaments more so I've been waking up and registering until about 10pm unless there is a special event on, so it's like 12 hours a day. I live with a friend from university who is far more normal so we get on it most weekends and go for meals with other friends, etc, which keeps me sane. The travelling helps too; even though it's mostly encapsulated in the poker bubble, it's nice to catch up with people I haven't seen for a couple of months. To be honest, I love the game so much that I don't really mind the alienation.
Last year I said I was going to concentrate on online cash in 2011 but ended up only playing 100,000 hands, which is about a quarter of what I wanted to play as I got hooked on both live and online tournaments. I suppose I got a bit lazy after San Remo, but it's been a decent year other than that as I had a couple of nice pieces and won a little online.Nearer the start of the year I wasn't particularly motivated to play big live events, but I'm not sure what I was thinking back then. I was probably just a bit sick of it all. It happens; sometimes I just get worn out from all the traveling, and if I'm not winning I get a bit grouchy. Right now I'm absolutely loving it again, really enjoying working hard and hoping to have a sick 2012. Somehow I've found myself at the PCA [PokerStars Caribbean Adventure] with a plan to go to the Aussie Millions after as well as a load of EPT stops, so I must have found some motivation from somewhere. Tell us about your overall Vegas experience last year… I organized a house for five of us: four Brits and THAY3R [Thayer Rasmussen]. I think we all had a fantastic time with me and Andy [Teng] probably doing the best. He managed a fourth in a side event and I had a deep run in a side event and the Main to just about get me out of it for the summer. There were a few amazing lash-ups - including one at Haze in Aria which I distinctly don't remember much of – so it was a lot of fun.
Outside of the Series, I played one Venetian event and about ten hours of cash, and did chunks in all of them.
How about your Main Event run? Any stories/key pots?
[Rupert finished in 132nd place in the $10,000 WSOP Main Event.]I had Matt Frankland on my table on Day 4 and got in a fun pot where I ended up check-raise-bluffing the river with K-K, but unfortunately the lanky ginger found a boat so stuck it very much in my eye. I had some pretty fun battles with Luke Vrabel (BdBeatSlayer online) but overall I don't remember too many hands that were absolutely heroic.
I lost a big pot on Day 6 where I should have folded the river. It was against that French guy with the pink hair [Guillaume Darcourt], so it was obviously really, really tilting to lose it. I can't remember the exact action, but I rivered trips which was essentially a bluff-catcher as he check-raised the flop or did something else to polarise his range, and I paid his boat off.
I was absolutely devastated after I bust. Whenever I go deep, I always get really emotionally attached to a tournament and want it so badly, but it wasn't to be. It was really fun being on the TV table with Daniel Negreanu and crew, although it was an absurdly tough table for the WSOP Main. Rigged! What are your plans and goals for 2012? What's on the bucket list?
Goals for 2012 are to play 50 live tournaments and 6,000 online. Pretty boring I know, but I don't like to set monetary goals as there's a fair amount of variance, especially in this live nonsense. As for a bucket list, I always struggle with stuff like this. I'd like to jump in the Devil's Pool at Victoria Falls - that's all I've got so far though and I'm sure there is way cooler stuff I'd want to do.Sponsorship-wise, there's been nothing too exciting unfortunately. I've been waiting for [Neil] Channing to come knocking my door down and try to throw $200,000 in my face, but it hasn't happened yet. It would be nice, obviously, but I've always been of the opinion that if I work hard then the results and whatever else that comes with those results will be on its way too. What do you make of the current standard of poker?
Poker is really soft. There are a lot of really good players but there are some absolute bananas everywhere I go, including online. I'm not too concerned but it would be pretty annoying if poker were taken away tomorrow. I have no backup plan and have no idea what I'd want to do. This game is pretty much my life and I love it that way. I felt so bad for the Americans that had their livelihood/hobby taken away overnight. Seriously, fuck the DOJ [Department of Justice].
I'm always working hard. I want to absolutely ruin some lives at the tables in 2012 and be a really hard opponent to play against. I think I got a bit overconfident for a while after the win but I'm in my place now and back to grinding like crazy just in case poker's not here when I wake up!
Any predictions for breakout stars? I predicted Dominik Nitsche to have a big year but he sold his T-shirt for $100 at the PCA so I expect he's a bit under it at the moment and will do nothing. There are loads of people I'd like to see do well. Ash Mason I think is the one where I would not be surprised if he won a huge event. Maybe Jake Cody will finally have that big score he's been looking for too...Our New Year Reviews will continue throughout January and appear every two days. #1 - JP Kelly#2 - Roberto Romanello#3 - Daniel 'jungleman12' Cates#4 - James Keys#5 - Julian Thew#6 - Jerome Bradpiece


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By Justin Juozapavicius
Associated Press
TULSA, Okla. — The Tulsa oral surgeon at the center of a public health scare involving thousands of patients waived his right Friday to a hearing before the state's dentistry board, agreeing not to practice medicine at least until August, officials said.
The decision by Dr. W. Scott Harrington comes a week ahead of the temporary suspension hearing, where he could have lost his medical license.
Harrington, who has been a dentist for 36 years, voluntarily surrendered his credentials on March 20. He now faces an Aug. 16 license revocation hearing.
"No one has enough facts at this point," said the board's executive director, Susan Rogers, who added that a delay figures to give her investigators more time to assemble their case. "We need to do more follow up and see where we are."
Board President Dr. Brad Hoopes called Harrington's decision "prudent," explaining that there would be little benefit to his case if he went ahead with the hearing next week when both parties are still investigating.
A message left Friday with Harrington's attorney, Jim Secrest II, was not returned, and a receptionist at his law practice said he would be out until next week.
Last week, Secrest said Harrington was cooperating with investigators and noted that his previous record with the dental board was "impeccable."
Health officials last month urged 7,000 patients of Harrington's to be tested for possible exposure to hepatitis and HIV, the virus that causes AIDS, after finding unsanitary conditions at his Tulsa and Owasso clinics.
The board branded Harrington a "menace to the public health" in a 17-count complaint that alleges his practice had varying cleaning procedures for its equipment. Investigators said needles were re-inserted in drug vials after their initial use, drug vials were used on multiple patients and the office had no written infection-protection procedure.
Also, dental assistants performed some tasks reserved to a licensed dentist, such as administering IV sedation. A device used to sterilize equipment hadn't undergone required monthly tests in at least six years.


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North Country Community Calendar
TIP: Click event headline to expand event information
April 9, 2013
Parents Night Out: Signs, Signs, Everywhere Signs
05:30 pm - 09:00 pm
Where: The Children's Museum of Science & Technology, Troy, NY
The Children's Museum of Science & Technology250 Jordan Road, Troy, NY [Map]
Phone: (518) 235-2120
Email: email@example.com
Website: http://www.cmost.org
People use signs to navigate around in their daily lives, but do animals use signs? Come visit friends in Operation W.I.L.D. and discover the signs they leave behind. Maybe some signs cant be seen; well go on a night walk and see if this is true.
If you would like to suggest an upcoming event to be listed on this calendar, you can use our event submission form
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ATF Presents: Ring of Fire - The Music of Johnny Cash
(July 30 to August 2, 07:30 pm) A foot-stompin, crowd-pleasin salute to The Man in Black. A musical about love and faith, rowdiness and redemption, and home and family. More than two dozen classic Johnny Cash hits. (Charles R. Wood Theater, 207 Glen Street,Glens Falls,NY) - Website
Performance: "Susannah"
(July 30 to August 2, All Day) A classic American opera by composer Carlisle Floyd, performed in English. July 30, 31 and August 2 at 8PM, August 1 at 2PM. Tickets $25 adults, $15 12 and under.NCPR is media sponsor. (Oscar Seagle Memorial Theatre, 999 Charley Hill Road,Schroon Lake,NY)
Race to Incarcerate: Creating Comics for Social Justice
(July 31, 2014, 07:30 pm - 09:00 pm) Acclaimed artist Sabrina Jones presents slide show on her recent book, Race to Incarcerate: A Graphic Retelling, and talks about using comics to confront social issues. Sponsored by John Brown Lives! and BluSeed Studios. $10/students $5 suggested. (Bluseed Studios, 24 Cedar Street,Saranac Lake,NY) - Website
Durant Days and Boat Parade Weekend
(August 1 to August 3, All Day) Celebrate the birth of the Great Camps Architecture with a tribute to William West Durant. Saturday, Wide Variety performs at the Raquette Lake School at 2pm. The day rounds out with the traditional Boat Parade at 7pm call (315) 354-5532 for info. (Raquette Lake, NY)
Panache Quartet in Concert With Opener Don Woodcock & Friends
(August 2, 2014, 07:00 pm - 09:00 pm) Panache Quartet (www.panachequartet.com) are Cape Breton fiddler Andrea Beaton, Franco-American fiddler Donna Hebert, American Old-Time fiddler Jane Rothfield, and Quebecois fiddler Veronique Plasse. Don Woodcock and friends open. Tickets $20/$10. (Edwards Opera House, 161 Main Street,Edwards,NY) - Website
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July 31, 2014
Joe L. Reed
Funeral Services for Joe L. Reed will be held Saturday November 10, 2012, at 2:00p.m.
New Salem Missionary Baptist Church Whynot with Rev. Chris Holcombe officiating.
Burial will be in New Salem Cemetery, with Berry and Gardner Funeral Home in charge of arrangements.
Mr. Reed, 63 of Meridian died Saturday November 3, 2012 at Anderson Reg. Med. Center.
Visitation will be Friday November 9, 2012, from 6 to 7 p.m. at Berry and Gardner Funeral Home.
Body will be at the church one hour prior to the services.


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Niagara Falls
• THEFT: Falls police were called to a business on the 8700 block of Buffalo Avenue for a report of stolen steel grates. An employee said three steel grates set in concrete over windows were taken. The estimated loss is $600.
• THEFT: An employee of a company on the 4800 block of Wilton Avenue reported that sometime between Saturday and Tuesday someone took scrap aluminum and two steel beams from the property. The loss is estimated at $1,350.
• INCIDENT: An employee of an auto parts business told Falls police he was driving in a company vehicle about 1 p.m. Monday in the area of Lockport Street and Ontario Avenue when he heard something strike the vehicle. When he stopped, he discovered that the vehicle had been shot in a side panel. Officers noted it could've been a small caliber gun or a high-powered pellet gun.
• MARIJUANA: Michael K. Heinz, 49, 2561 Hess Road, Appleton was charged Sunday with driving while intoxicated and unlawful possession of marijuana. Niagara County Sheriff's deputies said a caller reported a person was sleeping in his vehicle on Main Street until he fell out of the vehicle and walked into a nearby store. A person at that store said the man smelled like alcohol. Deputies said the man was identified as Heinz, who later was seen by deputies driving and swerving over the fog line. Heinz was pulled over and a container with a green leafy substance was found by deputies in the vehicle. Heinz refused field sobriety and breath tests.
• DWI: Nicholas M. Orlando, 31, 6541 East Lake Road, Appleton was charged Sunday with DWI. A woman reported to deputies Orlando had driven through a stop sign on Ketchum Avenue, which forced her to run her vehicle off the road. When asked, Orlando reportedly said he didn't see the woman. Deputies said Orlando failed three of five field sobriety tests.


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Understanding why some people choose a life of crime
Alex Piquero
Professor of Criminology
College of Liberal Arts & Sciences
UF's Department of Criminology, Law and Society recently ranked No. 11 among graduate programs, according to U.S. News and World Report, and criminology professor Alex Piquero is part of the department's high-ranking success.
Piquero, who is a 2005 Magid Term Professor in the College of Liberal Arts & Sciences, came to UF in 2001 and has quickly made a name for himself in the criminology field. His research involves several longitudinal studies that examine the patterns of lifetime criminal activity, as well as the factors that account for changes in criminal activity.
Piquero's book, "Offending Over the Life Courses: The South London Males at Age 40," will be published later this year, and he also is working on a study that examines how serious juvenile offenders transition out of crime in late adolescence and early adulthood. He serves on the editorial boards of 10 journals and teaches Doctoral Methods, Life-Course Criminology and Criminological Theory.
The American Society of Criminology has recognized Piquero with the Ruth Shonle Cavan Award, which honors outstanding scholarly contributions to the discipline of criminology. The FBI and Bureau of Justice Statistics also have appointed Piquero to serve on a committee that is revamping the crime index used by the federal government. In 2005, Piquero received a UF Teacher of the Year Award in the College of Liberal Arts & Sciences.
- Photo credit: Kristen Bartlett Grace — University Photography


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Your feedback is important, and we want to hear and learn from you. Elections Canada is committed to making your voting experience as accessible and positive as possible. Let us know how we're doing.


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The News Courier
The funeral for Holly Jean Rucker, 32, of Athens will be at 2 p.m. Thursday at McConnell Funeral Home with Donald Terry officiating. Burial will be in Roselawn Cemetery.
Visitation is from 6-8 p.m. Wednesday at McConnell Funeral Home.
Mrs. Rucker passed away Monday, Jan. 28, 2013, at Gadsden Regional Medical Center.
Holly Rucker was born Feb. 5, 1980, in Athens to Calvin Rucker and Janice Callahan Rucker. She was a member of Truth Baptist Church.
She was preceded in death by her father, Calvin Rucker; grandmother, Sylvia Coats; and grandparents, Johnny and June Callahan.
Survivors include her mother, Janice Rucker of Athens; one son, Eathan Grant Haggermaker of Athens; two brothers, Johnny Rucker and wife Kasandra, and Shane Rucker, all of Athens.
Pallbearers are Kenny Cambell, Barry Usery, Chris Smith, Johnathan Dean, Andrew Dean and Dale Carter. Honorary Pallbearers are Johnny Rucker and Shane Rucker.


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Geared toward "young social consumers", the new KitKat-powered handset features a 4-inch WVGA display and a 1.2GHz dual-core processor.
A pic purporting to be of the Samsung Galaxy Ace 3 has popped up online, and it looks very similar to last year's smash-hit budget blower.
Samsung's putting its more recent mid-range Android phones through their paces to see if it can update them to Android 4.4 KitKat, according to a leaked schedule.
Samsung's got a brand-new Galaxy Ace out this weekend, the Ace 3, and it's packing 4G.
The Samsung Galaxy Ace 3 is set to land in July -- and it looks like it's bringing 4G at an expected bargain price.
The device comes with Android 4.2 (Jelly Bean), a 4-inch display, and a 5-megapixel camera.
Wow, that was quick! I've literally only just published a story about the Galaxy Ace 3 being leaked and Samsung has made it official.
Ahead of Samsung's big London launch on 20 June, there's news of the rumoured Samsung Galaxy Ace 3 and Galaxy Tab 3 10.1.
If your Samsung Galaxy Ace 2 won't boot, or you just want to restore it after a spot of rooting, we've got you covered.


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The brrr-fect choice as temperatures climb
The cooling Armachillo® Shirt is better than bare (that means naked, folks) on a sweltering day, and its like nothing youve ever felt nearly weightless, silky smooth and literally cool to the touch. The secret is our exclusive Made in the Jade fabric technology, a featherweight fabric infusion of temperature-reducing, moisture-absorbing crushed jade. You can't actually see or feel the jade, but you can't help but notice its cooling effects. Looking for more feel-fresh features? Mesh bi-swing back lets you vent and a built-in sun collar unfurls to shade your neck. Underarm gussets give you ample reaching room. C'mon and chill out in your very own Armachillo.
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Reviewed by 34 customers
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I either ride or work with my horse almost every day and during the hot California summers it is tough to find a shirt that is comfortable in the heat, gives me the freedom to move the way I need to, and most importantly, gives me the kind of protection from the sun that a red head like me needs. It also is a very nice looking shirt!
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I bought the raspberry plaid to try out in anticipation of a family reunion trip in Hawaii. I don't wear a lot of tank tops since I prefer sun protection, but I overheat easily & dislike hot, humid weather. Living in the Land of 10,000 Lakes means I can usually count on feeling uncomfortable outdoors during the summers, so I'm always looking for shirts that will help alleviate the heat. The color, pattern & fit were great, & the fabric is extremely light-weight. I love the versatility of the roll-up sleeves & the longer length for coverage. While I still felt hot & sweaty when wearing the shirt, the two back vents kept me cooler than my other shirts & it did a good job wicking away the moisture. My back felt dry to the touch even when I was sweating!! I bought 2 more shirts for the trip & received compliments on each. I found they were easily hand-washed in the hotel sink, & after rolling up in a bath towel (to squeeze out excess water) they dried within a few hrs. when hung up. The one drawback for me is the built-in sun collar...the extra material weighs the collar down & makes the front of the shirt slide up a bit, so I was occasionally tugging on the shirt to get the collar back up. I wore hats & didn't need to use the sun collar so I can't say how the shirt behaves when used in that manner. The shirt is pricey but it delivers, so I feel it's a worthwhile investment!
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I am 5'10, 200lbs, D cup chest, athletic build, broad shoulders and back from swimming, weight training. I got the Large, Fits perfectly. I could almost wear a med as it does run lose. I went off the other reviews saying it was tight and almost got the XL, would of been way to big.
I will say this, if I had gotten a med size, it would be a better fit in the waist but I would not be able to button it across my chest.
very happy with it, super light weight, not see thru at all, feels great, I will be buying more in other colors
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I wear mine when I ride my horse or working in the yard and it's fantastic. The slightest breeze feels cool and while the shirt fits well and looks great there's a lot of freedom of movement and comfort.
I also really like the packability of this shirt. shake it out and it's basically wrinkle free. I'll be buying more!
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I ordered two of these shirts to wear while I am working outside in the hot Texas summer. They work great for that. I stay cool and my arms don't get burned while out in the sun. But, I wish they were longer. Every time I reach shoulder level or higher my entire midsection is exposed. I have an average torso size so I ordered the XL to fit my chest, I am larger chested. The XL fit my chest great but these shirts fell "short" on length for me.
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I just received my Armachillo shirt and I'm already planning to purchase more next payday! So glad I just went for it and ordered the shirt. I live in southern Louisiana where the heat is - as one newcomer put it - like having a warm, wet blanket wrapped around you in a sauna. It can be really oppressive. I haven't had the shirt long enough to put it to the hard working outdoor test, but I did some light activity outside and was amazed that I didn't run for the air conditioning afterwards. What I love most about the shirt so far is its flattering fit and the ease with which I can move in it. I have broad shoulders for a woman so usually button up long sleeves bind my shoulders - not so with the Armachillo! I don't have many clothes that I can put on and feel totally at ease in but I can testify that this shirt has just gone to the top of my go-to list.
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I have hot flashes due to cancer treatment, and overheating is my worst trigger, so I'm always looking for ways to keep cool in the summer. I'm surprised by how much this shirt really helps! I feel cooler, even in the sun, I love the silky fabric, and the cut is very feminine.
My complaints are that it's only June, and Duluth is already sold out of many colors and sizes, which is disappointing, as I would have liked to buy more. Also, why do the men have this great Armachillo fabric in so many more items? They have t-shirts, pants, shorts -- please give women more options!
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Love the shirt, great fit, held up well in the laundry, cool and comfy, bought 2 more and would have purchase another 2, but solid colors not offerred in my size, wasted a lot of time trying to make alternate make do choices and then got a nasty shipping charge surprise in the cart at the end......so happy, enthusiastic customer turned in to an annoyed one who likely will not be back to shop again.
Lots of other retailers where a $60+ garment can be purchased by repeat buyers without shipping charges. So A+++ quickly turned in to an overall C-.
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Received my shirt, tried it on this morning and went straight to the computer to order another one. Cool, comfortable and while a bit long in both overall length and sleeves, a medium was a good fit for me (5'0" & 120lbs.) as I prefer looser clothing, especially when working outdoors. Shoulder gussets are a great asset, the sleeves roll up easily without binding and I've already used the cloth tab on the bottom of the button placket to clean my glasses. I may order a third one!
Have always had trouble finding a shirt that fits. My back is broad and if I get something that doesn't bind when I work then the waist is too big and sloppy looking. This shirt fits wonderfully. Nice cool fabric in southern heat
Hangs neatly and looks clean and pulled together. Also, if you aren't too busty the pockets are great for when it is too hot for a bra..if you know what I mean Love it! Re ordered every color
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Women's Armachillo Long Sleeve Plaid Shirt
Item: 74515