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Product Description
Festive Productions Ltd embody over 50 years of design, innovation and experience within the seasonal decorative industry. As market leaders our goal is to "Provide customers with an experience that is distinctively different in terms of product offering and professional service" . During our history, Festive has increased the product portfolio to include nearly every conceivable Christmas decoration category. From ornate glass baubles, shatterproof baubles, tinsel garlands, wreaths, lights, fibre optic trees and artificial trees to name but a few. The product range is chosen and designed to evolve within this dynamic industry.
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text: I'm sure building/digging a basement is more expensive than the F5 storm shelters(above and below ground) available to build or purchase in Oklahoma? From what I understand they cost a few grand but add value to a home. Hopefully some folks will look into this as an option for themselves and neighbors.

subset: commoncrawl


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Are you still at work?
Believe me, the irony is not lost on me that I'm writing a post on "Leave the Office Earlier Day" at nearly 6 p.m. after working since about 8:30 a.m. without cease — earlier if you count reading and tweeting cool stuff on the web. Filing this story now almost assuredly means that my editor will not be heading out the door any earlier than usual today, either.
I'm still in workout clothes because I meant to go to the gym this morning, but instead figured I'd just answer a few quick emails, then never got up out of my chair until I realized I was hungry and, though I knew it was a major "no-no," grabbed some food and brought it back to my desk. Though I've been mowing through an enormously long to-do list of stuff that needs to get done, the list keeps growing as I work.
I call these Stupid Days. I'm trying to have fewer of them.
Laura Stack calls them unproductive, inefficient days that are pretty typical for American workers. And they're exactly why she created this holiday in the first place.
National Leave the Office Earlier Day is memorialized on June 2 on Chase's Calendar of Events, along with St. Erasmus' Feast Day, Coronation Day in Bhutan and an inexplicable holiday called "Yell 'Fudge' at the Cobras in North America Day." And though the latter may be testimony for just how easy it is to create a holiday on the Chase website for whatever springs to mind, Stack has a serious message: Americans work too much. And though we think otherwise, all those hours do not necessarily add up to a productive, efficient or particularly innovative day.
I spoke with Stack, a productivity expert based in Colorado, to ask about why Americans need a holiday to remind them to go home.
Q: Why a national holiday to Leave the Office Earlier?
A: To be perfectly honest, my first productivity book that I wrote in 2004 had the same title, and I created the holiday as kind of a PR stunt. That said, I wrote the book because we're overwhelmed, overworked, overcommitted, overstressed and we're working crazy long hours — 50, 60, 70, 80 hours a week. The idea is "Hey, if you just focus on results, you could get your work done in eight hours and get out of the office and back to your life, rather than hang around for 10 or 12 hours." Like right before vacation, and how productive you can be. If we could just maintain that same level of effort and focus, we'd get our work done more efficiently and be out the door.
Q: Do people actually leave the office earlier on the holiday?
A: Well, people started to think I meant leave the office early, not earlier. So that created a bit of a backlash. People would say, "I might as well call it National Get Fired Day." But this is not about playing hooky, or bailing or cheating or leaving after a few hours. We're talking about everybody who works too much — 10 to 12 hours a day — to get them to leave the office earlier, after eight hours, and go home.
The point is, pick one day, it doesn't have to be National Leave the Office Earlier Day. But pick one day to work efficiently and go home. Maybe next Thursday. Then the next week, try it for two days. It's about how to make working productively a way of life, picking a starting place, and starting small.
I've been in business for 22 years, I do 80 to 100 seminars all around the world. I have seen people make behavioral changes. The holiday is just about creating an awareness. It's not a magical day, like you're going to have just one and — woohoo! — you're more effective. It's recognizing you have an issue.
Q: Why do we have issues with long work hours?
A: It's just being American. It's how we're driven. And it's what we've bought into. People are very afraid of losing their jobs. And often you put in that kind of work because you're worried there are plenty of people right behind you ready to take it away. People often feel if I'm not seen, I'm not needed.
But often, being in the office too long is largely inefficient. People get too distracted, they spend too much time on email. They lack the ability to concentrate. They spend way too much time in meetings. They're not in environments in which they can be productive.
The unfortunate thing is, corporate culture often sabotages our ability to be productive, despite our best efforts. There are these unwritten ground rules: You can't close door to concentrate, or you'll be see as a not nice person. If you put your instant messenger on "Do Not Disturb" you're seen as not a team player. If you don't answer an email in five seconds, that's showing a lack of responsiveness.
The problem is really in the culture of our own organizations. And it's kind of lost on leaders that their employees aren't able to work on something productively and really focus on anything.
Q: So if the way we're working isn't really working, why do we keep doing it? Tony Schwartz of the Energy Project and Georgetown Professor Christine Porath wrote in the New York Times about why we hate work, and that a majority of people they surveyed don't feel like they can think or focus on one thing at a time, despite all those long hours.
A: Sometimes it's paranoia — I've got to keep my mouth shut. Sometimes it's soldiering on. And sometimes people are afraid to point out the elephant in the room. That's why I'm brought in. I can say the hard things, make the observations that the way the corporate culture is set up is crazy. Everybody knows it's crazy, but nobody's willing to say it's crazy.
Then I help them create guidelines and protocols for what is sane and acceptable behavior. I spend a lot of time with companies that do want to create a team that works more efficiently together. You've got to start with someone willing to change that culture.
Q: So how do these long work hours affect people's lives at home?
A: Frankly, some people work these long hours because they don't want to go home. If you have a stressful or unhappy home life, it's a lot easier to work 80 hours a week, put your head in the sand, and ignore it.
And everything is really a blur now. People balance their checkbooks at work, buy their next train ticket for vacation during the day, because when else are you going to do it? And with technology, you don't really have to work 8 to 5 anymore. We can work when we want, where we can, from the office, from home, from the T-ball game. That's becoming more the norm.
It's not that that blurring is negative, she said, but it does show we're trying to cram our lives in with our long hours, and that that can add to the sense of distraction and inefficiency.
With that, Stack said she had to go. She created National Leave the Office Earlier Day on her birthday (she turned 45 on June 2). And as she's gotten older, she's begun not just to leave the office earlier, but to take the entire day off.
She was heading off to get a massage.
"We all need to recharge our batteries and rest," she said. "If you don't take care of yourself, you will not be able to take care of other people and get your work done."
True enough. But after filing this story, I've got to take one kid to a watershed for a science project and make sure another one is actually studying Algebra II and not playing Rome Total War, then do another interview this evening. And at some point, take a shower and pack for a business trip. At least my husband's in charge of dinner.
So maybe I won't be leaving the office earlier today. But there's always tomorrow.
Community News Network
Are you working too much to celebrate 'Leave the Office Earlier Day?'
Are you still at work?
- Community News Network
Sunburn isn't the only sign of summer that can leave you itchy and blistered
You've got a rash. You quickly rule out the usual suspects: You haven't been gardening or hiking or even picnicking, so it's probably not a plant irritant such as poison ivy or wild parsnip; likewise, it's probably not chiggers or ticks carrying Lyme disease; and you haven't been swimming in a pond, which can harbor the parasite that causes swimmer's itch.
Survey results in legislation to battle sexual assault on campus
Missouri U.S. Sen. Claire McCaskill joined a bipartisan group of senators Wednesday to announce legislation that aims to reduce the number of sexual assaults on college campuses.
An alarming threat to airlines that no one's talking about
It's been an abysmal year for the flying public. Planes have crashed in bad weather, disappeared over the Indian Ocean and tragically crossed paths with anti-aircraft missiles over Ukraine.
Sharknado 2 set to attack viewers tonight
In the face of another "Sharknado" TV movie (the even-more-inane "Sharknado 2: The Second One," premiering Wednesday night on Syfy), there isn't much for a critic to say except to echo what the characters themselves so frequently scream when confronted by a great white shark spinning toward them in a funnel cloud:
Spanx stretches into new territory with jeans, but promised magic is elusive
The Spanx empire of stomach-flattening, thigh-slimming, jiggle-reducing foundation garments has expanded to include what the brand promises is the mother of all body-shaping miracles: Spanx jeans.
Medical marijuana opponents' most powerful argument is at odds with a mountain of research
Opponents of marijuana legalization are rapidly losing the battle for hearts and minds. Simply put, the public understands that however you measure the consequences of marijuana use, the drug is significantly less harmful to users and society than tobacco or alcohol.
Obama had crush on First Lady of Rock
Linda Ronstadt remained composed as she walked up to claim her National Medal of Arts at a White House ceremony Monday afternoon.
Can black women have it all?
In a powerful new essay for the National Journal, my friend Michel Martin makes a compelling case for why we need to continue the having-it-all conversation.
Redskins not the only nickname to cause a stir
Daniel Snyder has come under fire for refusing to change the mascot of his NFL team, the Washington Redskins. The Redskins, however, are far from being the only controversial mascot in sports history. Here is a sampling of athletic teams from all areas of the sports world that were outside the norm.
'Rebel' mascot rising from the dead
Students and alumni from a Richmond, Va.-area high school are seeking to revive the school's historic mascot, a Confederate soldier known as the "Rebel Man," spurring debate about the appropriateness of public school connections to the Civil War and its icons.
- More Community News Network Headlines
- Sunburn isn't the only sign of summer that can leave you itchy and blistered


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- Apply Now
Click here to apply now to be an RA for the 2014-2015 school year!
If you have any additional questions, please feel free to contact the Residential Life Office at 585-389-2480 or email us your questions.
Frequently Asked Questions
What is an RA?
An RA is formally called a Resident Assistant. This is a student staff member in the Department of Residential Life whose job is to make life in the Nazareth College residence halls enjoyable, educational and supportive of the academic experience. They are expected to assist the department in upholding the Residential Life Mission Statement. RAs have many different roles. They are peer counselors, community builders, academic resources, programmers, and administrators. RAs spend a significant amount of time getting to know residents as individuals and generating enthusiasm as they bring students together to create floor and hall communities. A Resident Assistant encourages the growth of responsible community living; helps plan educational, social, cultural, and other types of programs; and provides information about the Nazareth College and the Greater Rochester Community. Finally, RAs are expected to be strong team players. They must display a commitment to the development of an effective living/learning environment.
Who can apply?
Candidates for RA positions must be full-time Nazareth College of Rochester students and be at least a sophomore the term they assume the job. Candidates must have a 2.4 GPA when applying and at least 2.4 cumulative GPA the spring term prior to starting the job.
When are the Information Sessions?
Wednesday, January 22
Kearney Classroom
4 p.m.
Thursday, January 23
Lourdes Lounge
12:10 p.m. - 1:00 p.m. or 7 p.m.
Friday, January 24
Kearney Lounge
1:30 p.m.
What are the other important dates to remember?
Wednesday, January 29
Applications are due in the Office of Residential Life by noon.
Saturday, February 1
Super Selection Day - Group Meeting
8:00 a.m. - 12 noon
and a 30 minute personal interview scheduled between 1:00 - 6:00 p.m.
What is the remuneration?
The remuneration package includes a single room and the 15 Meal Plan at half price for new staff members.
Will an RA Position affect my Financial Aid Package?
The benefits of the RA position will probably affect financial aid packages of those who receive aid. The law considers RA benefits as financial aid. For most students on aid, this replaces some awards such as work study and loans. Please check with the Financial Aid Office for details.
How does the RA Selection Process work?
In addition to submitting an application, RA candidates go through a rigorous selection process. The interview process is divided into three parts and includes different kinds of interviews. The first part is a four hour group interview and exercises during which the ADs and current Resident Assistants evaluate candidates in a group setting. A Residential Life Staff Director and a Resident Assistant or Graduate Resident Assistant will then do personal interviews with candidates later that day. After this phase, those candidates invited to return participate in a third interview in another group setting.
How should I dress for the interview?
As with any job interview, you are expected to dress for success. The Department of Residential Life sees the interview process as a chance to put your best foot forward. To this end, we expect not only professional dress but behavior as well.
Where does Residential Life place RAs?
RAs can be placed in every residence hall. When you apply to be a Resident Assistant, you are applying to work for the Department of Residential Life. Placement depends entirely on the needs of Residential Life and the skills brought by each candidate. The Department of Residential Life does take into consideration the preferences of the prospective student staff members whenever possible, but the ultimate decision rests with the directors.
How many RA vacancies are there?
Out of the current RA staff of forty-one people we normally expect a turnover of 30% - 50%.
What should I do to apply?
You should attend one of the information sessions listed above to find out more about the position. The application is on our Website. Please give in-depth, typed answers to all questions on the application.
What about references?
Three references are required. One should come from a friend or hall mate and the other two from a member of the faculty, staff, RA, or a former employer. All references must be turned in no later than January 29, 2014. On the Reference Form there is a section to be completed by the candidate before the form is given to the person acting as a reference. Please be certain to sign this form and complete the appropriate information.
If I have a conflict, can I miss a session?
No. Attending the interview process is mandatory. The same holds true if you are selected to be an RA. Attending Resident Assistant training in its entirety and fully participating in opening the halls is required to hold the position. Fall Staff training lasts about a week and a half and covers a variety of information. This time is critical to prepare Resident Assistants on how to serve as the best resources for their residents.
If I am selected, when does training begin?
The dates for 2014 Fall Staff Training have not been established as of yet, but this year's RAs were required to return by August 12, 2014. Students selected as RAs are also required to stay until halls close at the end of each semester and to come back early in January to help prepare for opening. All these and other important dates will be included in the Resident Assistant Contract if you are selected as an RA.
If I have been documented for an incident, can I still be a Resident Assistant?
Student behavior does play a role in the selection of RAs. It is our desire that all applicants be in good standing with the Office of Student Conduct. If you currently have a sanction, you should discuss that with the AD in your Individual Interview. Students who are on Deferred Removal from the residence hall or Deferred Removal from Nazareth College are not eligible for the RA position.
Will my profile in an online community such as Facebook, MySpace, etc. affect whether or not I will he hired?
Candidates may want to remove anything posted online which might negatively reflect or hurt your chances in any job application. Social networking sites have gained popularity among hiring managers because of their convenience and a growing anxiety about hiring the right people, researchers say.


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Search Result
Search Tags: ritalin
Students see pills as study aid, officials warn of growing trend
Ritalin and Adderall are the two most commonly abused stimulants on high school and college campuses. And with final exams approaching, officials in Fairfax are warning of the growing problem.
Tuesday - 05/14/2013, 04:06pm EDT
Tags: prescription drug abuse, Adderall, Ritalin, students, dick uliano
, July 31, 2014
Washington, DC
Now: 68 °FToday: Sunshine mixing with clouds
Hi: 87 °F | Lo: 71 °F


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Welcome to our on-line store! We have been in the antique and collectible business since the early 1970s. We are a Pennsylvania licensed antique business. We specialize in depression era glassware, kitchenware, china and pottery. We carry an extensive line of Depression Glass, Elegant Glass, Fire King, Kitchenware and 40s 50s 60s glass in addition to Hall China, Fiesta, Homer Laughlin, Blue Ridge, Shawnee, etc. We accept want lists.
Strait's Antiques
Contact us!
1370 Brechbill RoadChambersburg, PA 17202United States
Updated Monday, June 16 2014Product descriptions copyright© 2014 Strait's AntiquesAll else copyright© 1995-2014 TIAS.com All rights reserved.


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Everything Bowl
The Everything Bowl is the ideal size for 'no seconds necessary'. Makes a great server for two modest appetites--or one really hearty one! From soup to cereal to ice cream and everything in between, this bowl serves it all with style. Constructed of earthenware. Microwave and dishwasher safe. Everything bowl holds 14 ounce.


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Insider - Archives 2014-15
Page 1 of 1
Media days links, links, links ... and more links
Check out these stories and videos from Big 12 football media days.
Baylor, Petty Refuse To Be DQ'ed
Baylor's clever use of social media brought positive attention to Baylor quarterback and Heisman Trophy candidate Bryce Petty.
Fred Hoiberg Has Successful Surgery
Iowa State basketball coach Fred Hoiberg underwent successful heart surgery Tuesday morning to replace the batteries in his pacemaker.
Big 12 Stories Worth The Click
A nice variety of stories from around the Big 12 are just a click away.
TGIF Links To End Your Week
A variety of stories (and one video) from around the Big 12 are just a click away.
An Interesting Story Mix In This Links Package
Check out this package of links to stories from around the Big 12.
Links Worth The Time To Click And Read
A variety of topics and sports are discussed in this package of links to stories around the Big 12.


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Fan Fare
Entertainment behind the scenes
Hollywood ex-agent sees studios holding sway over talent
In the wake of last week's merger between talent agencies William Morris and Endeavor, some in the movie and television industry have suggested that the deal could allow talent agents to gain some leverage over the studios who run Hollywood.
But in a column last week in show business newspaper Variety titled "Studios still hold power post-merger," former editor-in-chief and one-time studio executive Peter Bart wrote that with their control of increasingly scarce production funds, studios can dictate deal terms to talent.
On Monday night in Los Angeles, former William Morris superagent Sam Haskell said he agrees. At an event celebrating the release of his memoir, Haskell acknowledged that it has been a seesaw struggle over the years.
"I think it has gone back to the studios because they are the ones spending all the money (on) their projects, and they have to be certain that they're going to make their money back before they venture it," Haskell told Reuters.


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Y'all can exhale now. The Crystal menace has been removed and the streets of Durham are once again safe.
Even if Crystal Mangum does the whole 18-year bid for second-degree murder she received Friday for killing her boyfriend, though, she still got off easier than many of the people who are exulting in her conviction.
See, after 14 years or so depending upon how she acquits herself behind bars Mangum will one day stroll out of Central Prison or wherever she is sentenced to do her time free. One hopes shell become a mother to her children and a contributing member of society.
After she is set free, though, the people who are celebrating her thus-far unfortunate life and hoping for her ultimate demise will still be doing time in a bile-filled prison of their own making. Taint no parole from that kind of imprisonment.
Venomous comments
The hatred many of these keyboard cowboys spewed onto The News & Observers website was so venomous that the N&O was forced to shut down its comments section Friday night.
Want an idea of what you missed before the newspaper was forced, for decencys sake, to shut it down? A top comment was this gem: If Obamas daughter was a stripper, referring to Mangums previous occupation. Like-minded commenters stated that the presidents daughters probably will be, in time you know, when they get older.
Even some guy who claimed to be from Brigham Young University and whose Facebook page is laden with scriptural quotes displayed his schadenfreude.
Chill, homes. Thats something you can display in public without getting a morals charge. Its a German word for the feeling of joy some people derive from the misfortune of others. Man, people were schadenfreuding all over the place Friday after that verdict.
Even though many of the commenters would declare with their last, putrid breath that they arent racists and really guys, nobody cares if you are: its your right to be one they somehow managed to include in their obscene tirades the reverends Jesse Jackson and Al Sharpton, dead teen Trayvon Martin and, as I just noted, President Obama and his daughters. His daughters!
Gee, how could anyone think race has anything to do with that, especially considering that Sharpton never entered the Duke lacrosse fray and Jackson did so mainly to offer Mangum a chance to stop taking off her clothes and shaking her tush for strangers?
The Triangles O.J.
Nobody, surprisingly, compared her to O.J. Simpson, but I will. Mangum is like the O.J. Simpson of the new millennium, or at least of the Triangle.
After Simpson miraculously beat a murder rap that many felt he deserved, the prudent thing for him to have done was join a church and become a member of its usher board and choir. Man, if Id gotten away with what he did, Id have been singing Jesus Loves Me louder than anybody every Sunday morning.
Instead, Simpson kept right on strutting and cutting up until he stepped in it again.
Likewise, Mangum, after being found to have falsely accused three Duke University lacrosse players of rape at a party where she was the scheduled entertainment, should have accepted that college scholarship the Rev. Jackson offered her.
She was, however, no blushing flower or scholar, and trouble seems to have been embedded in her DNA. In the eyes of many, she is getting her comeuppance for that case in this one. Nobody is saying that Mangum in her current incarnation is Sweet Polly Purebread or the kind of girl you take home to mama unless mama is Ma Barker but there are people among us who are actually joyous over her fate. Wow.
She is being deservedly punished for killing Reginald Daye Reggie is what his family called him and not, no matter how much her Internet antagonists wish otherwise, for her despicable part in the Duke debacle.
In one of rock n rolls great feuds, John Lennon wrote an acidic song asking his former Beatles band mate Paul McCartney How do you sleep at night, writing those silly love songs?
Thats a question that should be asked of the people who are exulting in the demise of an obviously troubled woman who is paying for her crime.
How, exactly, do you sleep at night after writing such silly filth?
And how do you feel knowing that Crystal Mangum will be released from her prison long before you are released from yours?
firstname.lastname@example.com or 919-836-2811


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Carl Menger, Principles of Economics (1871), Chapter VIII - The Theory of Money:
"In the early stages of trade, when economizing individuals are only slowly awakening to knowledge of the economic gains that can be derived from exploitation of existing exchange opportunities, their attention is, in keeping with the simplicity of all cultural beginnings, directed only to the most obvious of these opportunities. In considering the goods he will acquire in trade, each man takes account only of their use value to himself. Hence the exchange transactions that are actually performed are restricted naturally to situations in which economizing individuals have goods in their possession that have a smaller use value to them than goods in the possession of other economizing individuals who value the same goods in reverse fashion.
… The direct provision of their requirements is the ultimate purpose of all the economic endeavors of men. The final end of their exchange operations is therefore to exchange their commodities for such goods as have use value to them. The endeavor to attain this final end has been equally characteristic of all stages of culture and is entirely correct economically. But economizing individuals, would obviously be behaving uneconomically if, in all instances in which this final end cannot be reached immediately and directly, they were to forsake approaching it altogether.
… He would therefore make the marketing of his commodities either totally impossible, or possible only with the expenditure of a great deal of time, if he were to behave so uneconomically as to wish to take in exchange for his commodities only goods that have use value to himself and not also other goods which, although they would have commodity-character to him, nevertheless have greater marketability than his own commodity. Possession of these commodities would considerably facilitate his search for persons who have just the goods he needs."
The most basic trade is one where two individuals prefer to have, for their personal consumption, what the other has.
Besides trading what you have for what you would rather have, you can also trade what you have for something you can more easily trade for what you would rather have. This means you trade something that you are not interested in consuming yourself for something you are also not interested in consuming yourself. In deciding what to accept in this kind of trade, you must evaluate all the elements that make it more or less difficult to sell, and at what price, and compare that to the good you are considering trading away.
These elements are:
- Its marketability for personal consumption
- The ease with which it can circulate between individuals who do not consume it
- The costs that are brought about due to its physical makeup
The causal connection between goods
Carl Menger, Principles of Economics, Chapter I-2 - The Causal Connections Between Goods:
"Our well-being at any given time, to the extent that it depends upon the satisfaction of our needs, is assured if we have at our disposal the goods required for their direct satisfaction. If, for example, we have the necessary amount of bread, we are in a position to satisfy our need for food directly.
… The same applies to all other goods that may be used directly for the satisfaction of our needs, ..
But we have not yet exhausted the list of things whose goods-character we recognize. For in addition to goods that serve our needs directly (and which will, for the sake of brevity, henceforth be called "goods of first order") we find a large number of other things in our economy that cannot be put in any direct causal connection with the satisfaction of our needs, but which possess goods-character no less certainly than goods of first order. In our markets, next to bread and other goods capable of satisfying human needs directly, we also see quantities of flour, fuel, and salt. We find that implements and tools for the production of bread, and the skilled labor services necessary for their use, are regularly traded. All these things, or at any rate by far the greater number of them, are incapable of satisfying human needs in any direct way—for what human need could be satisfied by a specific labor service of a journeyman baker, by a baking utensil, or even by a quantity of ordinary flour? That these things are nevertheless treated as goods in human economy, just like goods of first order, is due to the fact that they serve to produce bread and other goods of first order, and hence are indirectly, even if not directly, capable of satisfying human needs."
An individual acts to improve his state of being as compared with not acting.
A good is something from the external world that improves the state of being of an individual, as perceived by the individual. A higher order good is something that helps produce the good that can be used by the individual for his perceived improvement.
First order goods are traded on the market because there are individuals who seek them. Because of the demand for first order goods, there is a demand for higher order goods, and this is why they are produced and traded on the market.
The marketability of commodities
Carl Menger, Principles of Economics, VII-2 - The Marketability of Commodities:
"..the obvious differences in the marketability of commodities is a phenomenon of such far-reaching practical importance, the success of the economic activity of producers and merchants depending to a very great extent on a correct understanding of the influences here operative, that science cannot, in the long run, avoid an exact investigation of its nature and causes. Indeed, it is also clear that a complete and satisfactory solution to the still controversial problem of the origin of money, the most liquid of all goods, can emerge only from an investigation of this topic."
VII-2-B - The different degrees of marketability of commodities:
"The first cause of differences in the marketability of commodities we have thus seen to be the fact that the number of persons to whom they can be sold is sometimes larger and sometimes smaller, and that the points of concentration of the persons interested in their pricing are sometimes better and sometimes less well organized. …
The second cause of differences in the marketability of commodities is thus the fact that the geographical areas within which their sale is confined are sometimes wider and sometimes narrower, and that while there are many trading points within this area at which some commodities can be sold at economic prices, there are only a few such points in the case of other commodities. …
The third cause of differences in the marketability of commodities, then, is the fact that the quantitative limits of the amounts of them that can be sold are sometimes wider and sometimes narrower, and that within these limits the quantities of some commodities brought to market can easily be sold at economic prices, while this is not true of other commodities, or at least not in the same degree. …
The fourth cause of differences in the marketability of commodities is thus the fact that the time limits within which commodities can be sold are sometimes wider and sometimes narrower, and that within these limits some commodities can be sold at economic prices at any time, while others can be sold only at more or less distant points in time."
Goods vary in difficulty in finding someone to trade them with, for use by them. A good can have a high demand or a low demand for consumption, be sold widely or sparsely, and be sold frequently or infrequently.
VII-2-C The facility with which commodities circulate:
"Some commodities have almost the same marketability in the hands of every economizing individual. … However saleable commodities of this kind may be in the hands of their producers or certain merchants, they lose their marketability altogether, or at any rate in part, if even a suspicion arises that they have already been used or only been in unclean hands. They are therefore not suited in economic exchange to circulate from hand to hand.
Other commodities require special knowledge, skills, permits, or governmental licenses, privileges, etc., for their sale, and are not at all, or only with difficulty, saleable in the hands of an individual who cannot acquire these requisites. In any case they lose value in his hands. … Hence they are as little suited as the commodities of the previous paragraph to free circulation from hand to hand.
Moreover, commodities that must be specially fitted to the needs of the consumer to be useable at all are not saleable in an equal degree in the hands of every owner. … ..especially since these businessmen generally have facilities for fitting the commodities to the special needs of their customers. In the hands of another person, these commodities can be sold only with difficulty and almost always only at a heavy loss. These commodities too are not suited to free circulation from hand to hand.
Commodities whose prices are not well known or subject to considerable fluctuations also do not pass easily from hand to hand. A purchaser of such commodities faces the danger of "overpaying" for them, or of suffering a loss before he has passed them on due to a fall in price. … ..commodities that are subject to violent price fluctuations can circulate easily only "below the market," since all persons who are not willing to speculate will want to protect themselves against loss. Thus commodities whose prices are uncertain or fluctuate severely are also not well suited to free circulation from hand to hand.
Thus we find that for a commodity to be capable of circulating freely it must be saleable in the widest sense of the term to every economizing individual through whose hands it may pass, and to each of these persons it must be saleable, not in one respect alone, but in all four of the senses discussed above."
Goods vary in difficulty in finding someone to trade them with, for further trade by them. A good held by different people can attain the same market price or different prices. A good may require a special skill or license to be sold. A good may be subject to considerable fluctuation in price, which makes people who are unwilling to speculate on it only willing to pay a conservative price for it. Technological evolution is one reason why many consumer goods face quickly eroding market prices.
The periodic table of the elements
A Chemist Explains Why Gold Beat Out Lithium, Osmium, Einsteinium
The different chemical elements that exist on earth have a wide range of activity at the current temperatures and pressures that we experience. They react to varying degrees to exposure to air, such as bursting into flames or corroding. Some are a solid, some are a liquid, and some are a gas. Some are dangerously radioactive.
Most chemical elements have found their way to be useful in the production of goods. Because of the different kinds of activity, they bring with them different amounts of costs to keep them useful during transportation and storage. There are differences in the costs of discovering what the element is, and of which purity it is. There are differences in the costs of dividing up or combining an amount of elements.
Speculation | Jeffrey Herbener explains Rothbard:
"..when Rothbard theorizes about speculation, we can usefully break his treatment into these categories. He first points out how speculation works for the individual person. The individual person is speculating with respect to the future, about the outcome of his own actions. The second category is speculations that a person makes about the actions of others that he intends to interact with. So this is where we get the market. And within that category he talks about speculation that people make on their own about what others will be doing in the market; predicting what prices will be and so on. And then he talks about speculation by the specialists in the market; they're predicting on behalf of other people the speculative outcome of even other people's actions.
Now the way this plays out in Man, Economy, and State is as follows. So we get this first point that all action is speculative, on page 6. Very early on, this is part of the general theory of human action; it doesn't apply to pricing per se. But Rothbard carries this through to the section on pricings. So when we get to the section on pricings, with demand and supply, he explicitly points this out. He says: 'Both demand and supply are speculative'. When a person has a preference rank and they say 'I prefer an Ipad 2 to 500 dollars', both those entries in the preference rank are speculative. The person doesn't know before getting the Ipad 2 and using it to attain his end, what the realized value of having the Ipad 2 is. He doesn't know until he gives up the 500 dollars, what exactly the opportunity cost is that he foregoes in the future.
So speculation is in the very formation of demand and supply. He builds this into his pedagogy when he develops his presentation of demand and supply with the total stock, total demand analysis. So here he's not just trying to show that prices must, of necessity, be determined just by preferences, but he explicitly brings out the speculative element in that presentation.
So the conclusion from this, of course, that he arrives at, is that prices themselves, both the level of prices in markets, and changes in prices that come through shifting demands and supplies, both of these things are speculative. Prices themselves are not like facts of nature; they're results of human action that are based upon speculation."
Reality is incredibly complex. In order to attain our ends, we must make predictions about the future and the effects of our possible actions, and choose among them.
A price is an exchange ratio of a trade that took place between two people. A price is the result of a bidding process, which involves two or more people. A bid is based on an individual's goals, his understanding of the world, and his predictions about the future, all of which are changing as time goes by.
An economy is made up of individual seeking their personal goals. For this, they require goods, most of which are produced by others. In a monetary exchange, an individual trades away something he does not intend to use for another thing he does not intend to use. This means he must consider the value of the good to other people, which relates to how the good in the future can help other people attain their goals.
Menger emphasizes this point of a money good as a consumer or producer good in the appendix.
Carl Menger, Principles of Economics, Appendix J - History of Theories of the Origin of Money:
"I refer to the observation that the character of money as an industrial metal often completely disappears from the consciousness of economizing men because of the smoothness of operation of our trading mechanism, and that men therefore only notice its character as a means of exchange. The force of custom is so strong that the ability of a metal used as money to continue in this role is assured even when men are not directly aware of its character as an industrial metal. This observation is entirely correct. But it is also quite evident that the ability of a material to serve as money, as well as the custom on which this ability is founded, would disappear immediately, if the character of money as a material applicable to industrial purposes were destroyed by some accident. I am ready to admit that, under highly developed conditions of trade, money is regarded by many economizing men only as a token. But it is quite certain that this illusion would immediately be dispelled if the character of coins as quantities of industrial raw materials were lost."
I will discuss issues such as fiat currency, legal tender laws, the regression question, and Bitcoin in Part II.


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EYEWITNESS LOCAL NEWSEmergency Crews Pull Truck Out Of Kanawha River
from Eyewitness News Online
Reported by: Jeff Morris
Web Producer: Jeff Morris
Also Contributing: Mamie Buoy
Reported: Nov. 11, 2013 4:05 PM EST
Updated: Nov. 12, 2013 10:34 AM EST
Charleston , Kanawha County , West Virginia
A dive team responded to the chilly Kanawha River to search for the driver of a truck that went under near Daniel Boone Park on Monday.
A man was trying to get his boat out of the water when the truck rolled backwards.
A towing crew pulled the vehicle out of the Kanawha on Monday afternoon. The driver was not injured.
A man was apparently trying to pull a boat out of the water Monday when the vehicle rolled into the Kanawha River.
The driver was not injured in the incident that happened near Daniel Boone Park.
Emergency crews on Monday afternoon were pulling a truck out of the Kanawha River after the vehicle apparently went off the roadway into the water.
Divers were at the scene near Daniel Boone Park, but the driver was reported to be OK.
Eyewitness News has a crew headed to the scene.
Send email to email@example.com for information or comments concerning WCHS-TV Eyewitness News.
Copyright ©2014, WCHS-TV8. Portions are Copyright 2014 Associated Press. All rights reserved. This material may not be published, broadcast, rewritten, or distributed.
WCHS ABC 8 provides local news, weather forecasts, traffic updates, notices of events and items of interest in the community, sports and entertainment programming for Charleston and nearby towns and communities in the Tri-State area, including Huntington, Dunbar, Marmet, Montgomery, Nitro, South Charleston, St. Albans, Cedar Grove, Chesapeake, Clendenin, East Bank, Glasgow, Pratt, Cross Lanes, Elkview, Pinch, Sissonville, Big Chimney, Cabin Creek, Chelyan, Davis Creek, Institute, Jefferson, Loudendale, Mink Shoals, Pocatalico, Quick, Quincy, Rand, Buffalo, Eleanor, Hurricane, Nitro, Poca, Winfield, Culloden, Fraziers Bottom, Hometown, Red House, Scott Depot, Teays Valley, Danville, Madison, Hamlin, Logan, Chapmanville, Man, Delbarton, Kermit, Gilbert, Matewan, Williamson, Summersville, Richwood, Flatwoods, Gassaway, Sutton, Spencer, Ravenswood, Ripley, Mason, Point Pleasant, Ashland, Pikeville, Ironton, Portsmouth, Gallipolis, and Athens.


text:
State Rep. Paul Miller of Durham was arrested Wednesday on charges that he sent copies of doctored checks to the U.S. Department of Education to make it appear that he had paid off more than $20,000 in student loan debt to avoid garnishment of his pay.
The U.S. attorney filed a warrant for Miller's arrest in U.S. District Court on Tuesday, charging the Durham Democrat with making a false, fictitious or fraudulent statement or representation to the federal government and using the U.S. Postal Service to execute a scheme or artifice to defraud.
"At this point, I don't really have any comment yet. I really can't give you anything further," Miller said when reached by telephone Wednesday afternoon.
Miller would not affirm or deny his arrest.
But a warrant shows Miller was arrested at 6:35 a.m. at his Durham home and released on personal recognizance or unsecured bail.
Miller has served three terms in House District 29. He did not seek re-election this year. Larry D. Hall, a lawyer and community volunteer, won the Democratic primary runoff last week. No Republicans sought the seat in House District 29.
According to a criminal complaint filed in the Middle District of North Carolina, Miller borrowed $13,750 in federally insured student loans in 1980 when he was a student at the Massachusetts Institute of Technology.
By March of last year, Miller had paid back just $1,700, according to the complaint, and his loan balance had increased to $23,378 with penalties and interest.
In December 2004, Miller learned that the government would begin garnishing his wages, so he offered to make monthly payments of $200 to the U.S. Department of Education, the complaint said.
Four months later, Miller sent several letters to the garnishment branch of the Department of Education claiming that he had paid the debt in full in 1992 and enclosing copies of five canceled checks from 1992 totaling $20,500.
The education department researched the checks and found that instead of being written for $4,100 each as Miller claimed, they had been written for $100 each. Further, the government found that Miller only owed $14,361 in June 1992, not the more than $20,000 he said he had paid.
When confronted in Atlanta with the copies of the checks archived by the Department of Education, Miller did not admit guilt but agreed to participate in an investigation, the complaint said.
But when interviewed in August 2005 in Raleigh by Department of Education special agents, according to the complaint, Miller said that his loan balance was $26,000 and that "this situation" would be "catastrophic."
In February, the State Bureau of Investigation concluded that the check copies had been altered.
Members of the Durham delegation said that Miller did not show up to their session Wednesday. They expressed shock when they learned of the charges.
"Oh, are you kidding? I'd not heard anything," Sen. Jeanne Lucas said. "Oh, Lord, no."
(News researcher Lamara Hackett contributed to this report.)
Staff writer Nikole Hannah-Jones can be reached at 956-2433 or nikole.hannahjones@ newsobserver.com.


text:
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text:
UPDATE (Oct. 18, 2:20 p.m.)—Alleged White Marsh Robber Arrested in Stolen Car - http://patch.com/A-yKB5
Police responded to White Marsh Mall on Monday evening for a reported armed robbery.
At about 7:30 p.m. on Oct. 15, a 20-year-old man was walking toward his vehicle in the 8200 block of Perry Hall Boulevard when another man in his 20s approached him and started making conversation, according to a police report.
When they reached the center of the parking lot, two additional men in their 20s approached the victim. Together, the three men struck the victim with their fists and knocked him to the ground. As the victim returned to his feet, one of the men held a knife to his throat. The other men then removed the victim's wallet, which held $80. They removed $60 from the wallet and returned the wallet and $20 to the victim before driving away from the scene, the police report showed.
The investigation into the incident is ongoing and police are following possible leads, according to Capt. Michael Balog of the White Marsh police precinct.


text:
Gender: Female
Years in Practice: 19 Years
Languages Spoken: English, Spanish
Medical School: Indiana University School of Medicine
Graduation Date: 1995
Hospital Affiliations: University Of Louisville Hospital, Baptist Health Louisville, Norton Hospital
Specialties: Neonatal-Perinatal Medicine
©2005-2014 WebMD, LLC. All rights reserved.
WebMD does not provide medical advice, diagnosis or treatment. See additional information.


text:
agateHed:TODAY'S SPORTS
Football — Salem at Marblehead (7); Swampscott at Danvers (7); Peabody at Lynn English (7); Lynn Classical at Masconomet (7); Georgetown at Ipswich (7).
Boys soccer — Bancroft at Pingree (3); Peabody at Beverly (3:45); Danvers at Marblehead (3:45); Winthrop at Swampscott (4); Ipswich at Shawsheen (4).
Girls soccer — Masconomet at North Reading (3:45); Pingree at Dexter Southfield (4); Swampscott at Winthrop (6:30); Beverly at Peabody (6:30).
Field hockey — Marblehead at Swampscott (3:45); Triton at Ipswich (3:45); Revere at Peabody (3:45); Pingree at Dexter Southfield (4); Beverly at Salem (7).
Volleyball — Peabody at Saugus (4); Salem at Beverly (5:15); Hamilton-Wenham at Masconomet (5:30); Swampscott at Revere (5:30).
Golf — Pingree at Bancroft.
Football — North Shore Tech/Essex Aggie at Whittier (10:30 a.m.); Lynnfield at Hamilton-Wenham (1); Catholic Memorial at St. John's Prep (2); Pingree at Tilton (3); Bishop Fenwick at Archbishop Williams (7); Beverly vs. Gloucester at Hyland Field, Manchester (7).
Boys soccer — St. John's Shrewsbury at St. John's Prep (11 a.m.); Masconomet at North Andover (6).
Girls soccer — Marblehead at Danvers (6:30).
Cross country — North Shore Tech/Essex Aggie at Commonwealth Athletic Conference Meet (9 a.m.); ; Cape Ann League Open at Bradley Palmer State Park, Hamilton (10 a.m.); Bishop Fenwick at Catholic Central League Meet, Lynn Woods (10 a.m.); St. John's Prep at Catholic Conference Classic, Wrentham (noon); Northeastern Conference Meet at Bradley Palmer State Park, Hamilton (1).
Football — Western New England at Endicott (5).
Men's soccer — Fitchburg State at Salem State (1); Commonwealth Coast Conference quarterfinals: Gordon at Endicott (11 a.m.)
Women's soccer — Salem State at Fitchburg State (2); Commonwealth Coast Conference quarterfinals: Western New England at Gordon (1); Wentworth at Endicott (1:30).
Field hockey — Endicott at Nichols (11 a.m.); Gordon at Western New England (1); Salem State at Westfield State (3:30).
Cross country — Salem State at Alliance Invitational, Westfield State (10 a.m.); Endicott, Gordon at Commonwealth Coast Conference Championships, Springfield (noon).
Volleyball — Roger Williams at Gordon (11 a.m.); Newbury at Salem State (1); Endicott at Western New England (1); Southern Maine at Gordon (3).
Golf — Salem State & Endicott at NEIGA Championship, Brewster (9 a.m.).


text:
Monday, February 27, 2012
To help accommodate the Horizon League Men's Basketball Championship semifinal games on Saturday evening, the Valparaiso-Detroit women's basketball game on Saturday afternoon has been moved to a 12:05 p.m. CST start at the Athletics-Recreation Center.
The game had originally been slated for 1:35 p.m. Prior to the game, Valpo's two seniors, Ashley Timmerman (Pontiac, Ill./Pontiac H.S.) and Ashley Varner (South Bend, Ind./Washington H.S.) will be honored as part of Senior Day activities.
|Copyright ©2014 Valparaiso University Athletics. All Rights Reserved.


text: eToCache5 = ""; ?> Krib guitar chords, guitar tabs and lyrics - chordie guitar tabs, guitar chords and lyrics Artists Songs Public booksPublic My songbookSongbook ResourcesDiv Forum Browse artists: A B C D E F G H I J K L M N O P Q R S T U V W X Y Z # -first letter-A B C D E F G H I J K L M N O P Q R S T U V W X Y Z # All songs - change Chordie needs editors! Improve this page Krib MusicKrib Songs There was no article about Krib in Wikipedia. If you know anything about Krib, please contribute to the free encyclopedia by writing an article. Krib 12am (2) The World Was You (2) play their songs - buy their music - support the artists copyright © 2011 chordie guitar chords 5 popular songs Summer In The City Lovin' Spoonful Who'll Stop The Rain Creedence Clearwater Revival Bad Moon Risin Ccr Southern Cross Crosby Stills Nash Space Oddity David Bowie


text:
View the article online at http://citywire.co.uk/new-model-adviser/article/a639318
Ex-Thinc bosses seek IFAs for unregulated investments service
by Rachael Revesz on Dec 06, 2012 at 00:01
Two former Thinc directors are targeting IFAs who will not survive the retail distribution review (RDR) to form a 100-strong franchise to promote unregulated investments.
Gregg Taylor (pictured) and Neil Harkin, who founded Thinc in 2000 before selling it to AXA in 2006, are now managing director and chairman respectively of product promoter What Partnership, which was launched in 2011. Through subsidiary What Investment, the firm offers a range of unregulated investments including green oil and property.
Taylor said the firm was looking to recruit 100 advisers to sell these investments and also wanted to tie-up with advisers who would survive the RDR, but who wanted to supplement their income.
What Partnership pays commission of around 6% on green oil investments and 10% on UK property investments. The products it provides do not fall under the regulator's clampdown on unregulated collective investment schemes as they are not collectives.
Taylor said: 'This is a great opportunity for advisers who want to continue to look after their clients but may have chosen the non-RDR route or those who can see an opportunity to build a new business based on a solid business franchise model.'
28 comments so far. Why not have your say?
Dec 05, 2012 at 11:26
"The products it provides do not fall under the regulator's clampdown on unregulated collective investment schemes as they are not collectives."
I hope these guys have got plenty of cash to back that claim up. Because the FSA/FCA will be all over them in order to protect the RDR perimeter.report this
Dec 05, 2012 at 11:34
They make think these "investments" fall outwith the uCIS definition, but I would be interested to know how they think these "investments" are not caught by the following definition of a Retail Investment Product (and therefore not caught by the RDR rules on adviser charging):
"g) any other designated investment which offers exposure to underlying financial assets, in a packaged form which modifies that exposure when compared with a direct holding in the financial asset."report this
Dec 06, 2012 at 11:31
Tim, my sentiments are exactly as yours but having seen details of other similar 'investments', often they are not collectives but sales of shares, land, property etc in esoteric and exotic locations. This appears to be how the UCIS rules are circumvented.
The type of 'opportunities' I've seen include car parking in Dubai, hotel complexes in Cape Verde, and green oil production in Australia. The firms marketing them make a big deal about how they are approved by HMRC for SIPP and SSAS investment. They may well be but anyone who goes near them would be bonkers in my humble opinion!report this
Dec 06, 2012 at 11:37
Two of the main points of attraction with Stirling Mortimer's proposition were that their schemes paid high commissions and weren't regulated.
Stay well away.report this
Dec 06, 2012 at 12:03
You missed one other point about the Sterling Mortimer proposition (or at least the one we had pitched at us) it was too good to be true and lost money ;-)report this
Dec 06, 2012 at 12:25
Stuart Rathbone
not for the directors!
anyway what partnership could put a bit of that life planning stuff in also not regulatedreport this
Dec 06, 2012 at 12:35
If any regulated adviser starts selling this rubbish, it would be a good idea for the rest of us to "pay them a visit".
I'm not keen on them leeching off me through the FSCS.report this
Dec 06, 2012 at 12:43
@ The resident of Gaul
1. V true.
2. Sound like a plan, I'm sure the directors of what partnership will make out of the deal. I would have thought that by now most of us that are still around are familiar enough with alleged serial network creators, creating, sucking the life out of an enterprise or flogging it off the some dupe to stay will out of the way. It's the naïve (for what ever reason) folks who join these enterprises build help build it at the coal face and then see it all go down the toilet I feel sorry for.report this
Dec 06, 2012 at 12:56
Have I read this correctly? They are setting up a franchise of unregulated salesmen selling unregulated products, or have I missed something here?report this
Dec 06, 2012 at 13:04
i agree with Phil Wisereport this
Dec 06, 2012 at 13:07
Not 'products' Roydo - opportunities, it's important to get the terminology right!
Or this was what one snake oil wallah told me when I previously commented on such a scam - sorry, my spelling's terrible!report this
Dec 06, 2012 at 13:14
May I point out that this headline and article are not reptresentitive of our business model at all. Please see the correctly reported press release in Financial Adviser or visit our website for details. Our proposition is based on Wills & Trusts (60% of UK population don't have one), pure protection and General Insurance (both regulated with "commission" being paid on the drip) - very RDR friendly. Yes we do have a small number of property based investments but this is a very small part of our business. They are "not regulated" becausue property is not regulated and neither is physical gold. All we are aiming to do is give the general public access to simple products and services rather than go to the Banks or via the internet in a post RDR world. Also give Advisers that for one reason or another cannot continue with their existing careers post Jan 1st a living and maybe save a few administrators jobs at the same time. Remember the days of the Pru, Pearl, Royal London etc where many IFA's started? I do and we had a population of people that had insurance and some form of savingsand retirement hopes unlike today. Oh and we also had Advisers that were proud of the industry that they were in, offered face to face service and were regularly referred.Is giving Jo average a service really such a bad thing? Is trying to put some fun and sense of pride back into the FS Industry also a bad thing?report this
Dec 06, 2012 at 13:17
This will save the saving gap for low funds of say 40k .... 4k commision ,one a day eh?
who said RDR would not look after the little people! Hector got it right , knighthood for the man me thinksreport this
Dec 06, 2012 at 13:18
Haha! Sorry Duncan, of course, "opportunities!" For who though???report this
Dec 06, 2012 at 13:28
A pastor went to the dentist for a set of false teeth.
The following Sunday his sermon was just eight minutes long.
The next Sunday his sermon was only ten minutes long.
But the Sunday after that his sermon went on and on for nearly three hours.
The congregation had to mob him to get him down from the pulpit and they asked him what happened.
The pastor explained that on the first Sunday his gums hurt so badly that he couldn't talk for more than eight minutes.
The second Sunday his gums were stuill hurting and he just couldn't talk for more than ten minutes.
But on the third Sunday, he put in his wife's teeth by mistake and found that he couldn't shut up...report this
Dec 06, 2012 at 13:32
get me a pint of what Julian's on pleasereport this
Dec 06, 2012 at 13:41
''so poor at your job you can't pass a level 4 qualification within 4 years? Still think you're 'helping' clients? Well then, come to us - we have all the fraudulant investments any sub-par ''adviser'' could want!
Good luck getting this nonsense by the FSA!report this
Dec 06, 2012 at 14:35
Surely let these guys get on with it. As they should only be selling to expert investors then it is the old caveat of buyer beware.
As they are not regulated then it will not fall upon the FSCS and the rest of us. Not all UCIS are bad and you can't always protect the public from themselves. Whilst I accept the comments above as long as they are not masquerading as financial advisors/planners under the guise of being regulated then it is up to them.
We should stop wrapping the public up in cotton wool. Perhaps if was not so easy for investors to complain they might think a bit more about what they do invest in. It has almost come to the stage where they have no responsiblity for the action they take. Bit like the benefits system, it will support them so why insure yourself!report this
Dec 06, 2012 at 14:44
Mr Harkin used to be a Regional Manager in a Bancassurer I used to work in until he left around 10-11 years ago very suddenly.
I've always taken the view that if I wouldn't recommend something to someone I loved then I wouldn't recommend it to anyone else either.
This sort of scheme looks to be just the ticket for the likes of Mr Harkin and no I won't be applyingreport this
Dec 06, 2012 at 15:06
@ Bob Donaldson
I would like to share your optimism that the FSCS won't be asked to cough up.
Somehow history would seem to show the opposite as even if the product is unregulated, if sold by a regulated person, then that is another matter entirely.report this
Dec 06, 2012 at 15:21
The thing is ~ if the product isn't regulated but the advice is, then surely anyone providing advice on said product must be authorised? From that:-
1. if the individual providing the advice has to be regulated and
2. the product goes belly-up and
3. the individual or his firm is unable to meet his obligations to compensate the client for any losses incurred then
4. those liabilities may well fall to the FSCS, namely the rest of us.report this
Dec 06, 2012 at 16:11
I think people need to go onto the What Partnership website to understand the proposition. It is mainly Wills & Trusts, Family Protection, GI (both regulated / advised) and then a small portfolio of property based investments, not UCIS, all offered on an information only basis, just like fine wine, classic cars, art etc - even a house come to think of it that are not regulated by the FSA . Tangible assets that do not carry high charges and the so called expertise of a fund manager and that many retail clients are happy to diversify intoreport this
Dec 06, 2012 at 16:35
You tell the g taylor ! no dam fund managers fee's in fine wine eh? wooo might even open a bottle of red this eveningreport this
Dec 06, 2012 at 16:44
........or agents fees, sales commissions, agents fees etc
All nicely informed on but no responsibility of advice - until some schmuck who is regulated gets involved!report this
Dec 06, 2012 at 16:54
I agree with Duncan and Julian. i would also go as far as to say that if a firm is not authorised as an investment firm, but IS as a GI and mortgage firm, reccomending these things could result in and problems falling on the FSCS levy unless the firm providing the "non investment advice" is seperate from the firm providing GI and mortgage products.
Added to that, Tim Page looks to have hit the nail on the head anyway;
are these caught by the following definition of a Retail Investment Product (and therefore caught by the RDR rules on adviser charging):
"g) any other designated investment which offers exposure to underlying financial assets, in a packaged form which modifies that exposure when compared with a direct holding in the financial asset."report this
Dec 06, 2012 at 16:58
I come back to it we are not the regulator they are openly broadcasting here what they are doing for all to see. Let them get on with it. Our job is to deal with clients not regulate the market.
Sometimes you guys get so wound up you are like coiled springs. Let you go and you could reach the moon!report this
Dec 06, 2012 at 18:13
Thanks Bob and yes let us get on with it or better still work with us. Do people not think we have taken regulatory and legal counsel on what we are doing? Do you not think we understand CP12/19 or the implcations of Brown versus Innovator One? Everyones focus here appears to be on the headline "unregulated investments" and all the commentry is about UCIS, scams etc not our overall proposition which caters for many IFA's B&C clients who they cannot afford to provide a service to for simple transactions under RDR
To answer Phil Castles point - The defination of a Non Regulated Investment is it must be immovable property, it must be held by an individual and be genuinely capable of being bought, managed and sold as a discrete, independent unit. With the exception of some forms of fractional ownership. We comply with all of this and like to think that our due diligence process is as good as anything in the market. All this information is readily available to both Advisers and clients
I am not sure why we are being lambasted on this as surely you would rather have clients who want to diversify a percentage of their portfolio to have access to these products rather than purchase Carbon Credits, Caribbean land, Ukranian Farmland or rare metals over the phone from some boiler room operation which is what is happening. I know because I get the calls and e mails daily.
I obviously will not win the argument with the majority of people on this particular blog but there are a lot of people out there who are embracing what we are doing.
We are being extremely open and transparent in what we are doing, I am not trying to hide behind a false name on this site (like others). My contact no is 07932 073477 so call me or meet me but please stop making assumptions when you have no real understanding our business.
report this
Jan 26, 2013 at 20:14
I think it absolutely vital that all proper thinking ethical if as continue to hunt down and condemn these investments from hell and continue to advise their clients into the proper high charging low yielding investment offered by traditional fund managers and insurance companies to ensure their clients are never burdened by the inconvenience of wealth ...... Blinkered ifas god love u allreport this
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» Seesmic day 13 – special web 2.0
Loïc, thanks for including me at the end. I'm having lots of fun playing with this and it looks like you're having a great time too
I'm going to have a go at blogging some of my thoughts today. Is there going to be some more formal way of feeding back on the alpha or should I just blog and e-mail Johann?
Wow, the audio's amazing. What was that wireless mic you're using?
Faut pas que ça devienne une habitude les mecs bourrés dans les podcasts …
Jyri there are Sony let me see ah they are in the office Will tell you later !
Loic, this is great!
I would love to experiment and write about my experience.
Any chance you can send an invite?
Hello Brian, please be a little more patient we only have about 200 people in right now, working on bugs we just can't yet but pls add your name to seesmic.com if you have not done so and we will get you one soon !


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Optical and Thermodynamic properties of noble metal nanoparticles. Effect of chemical functionalization.
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06 May 2009 | Teaching Materials | Contributor(s): Baudilio Tejerina, George C. Schatz
Computational Nanoscience, Lecture 4: Geometry Optimization and Seeing What You're Doing
13 Feb 2008 | Teaching Materials | Contributor(s): Jeffrey C Grossman, Elif Ertekin
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Knoxville — Yesterday, while VA Central Iowa Health Care System (VACIHCS) engineering employees were working on an overflow drain of the cooling system, in Building 1 of the Knoxville Community Based Outpatient Clinic (CBOC) attic area, they smelled smoke.
Staff was alerted and the Knoxville Fire Department was called. Veterans and staff were evacuated from the building safely.
At approximately 1:50 p.m., Knoxville FD declared an "All clear," and CBOC staff and Veterans were able to reenter the building.
There was no fire or damage to the main area of the attic. A switchgear for an exhaust fan in the attic area shorted out and created the smoke, which was distributed through the vents of the cooling system. When the system's power was turned off, the smoke dissipated. Damage was only to the switchgear which, is being repaired.
VACIHCS staff is continuing to dehumidify and cool the spaces affected by the prior overflow drain of the cooling system. The CBOC is open and fully functional. There were no injuries.


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Bob Dylan
U2, Bob Dylan, Giorgio Moroder and More Rock Super Bowl XLVIII Commercials
Dylan was featured in two commercials during the big game.
Dave Matthews and Jakob Dylan Unite with New Super-Group, The Nauts
The Nauts grew out of a casual studio jam session with the two artists alongside guitarist Charlie Sexton, his brother Will Sexton and drummer Brady Blade.
Hear Marcus Mumford On The 'Inside Llewyn Davis' Trailer
Also featured in the trailer for the Coen Brothers film is a bearded Justin Timberlake, who plays a character named Jim Berkey.
The Lumineers Discuss GRAMMY Nominations And Dream Collaborations
When The Lumineers attended the GRAMMY Nominations concert last month in Nashville there were a few clues that led them to believe they might receive a nomination. "We were at the nominations ceremony and we […]
GRAMMY Nominations 2013: The Biggest Surprises & The Takeaways
The theme of this year's nominations could be taken in a number of ways, but when you look at the contenders up for all-powerful Album of the Year category, one thing is certain: it's the year of the underdogs and the newcomers.
Mumford & Sons' Big-Name Endorsements: Robert Plant, Bob Dylan, Neil Young, Ray Davies
When U.K. folk-rockers Mumford & Sons first "broke" in the mainstream a couple of years ago, it felt like their name was on the tip of everyone's tongue – including a number of famous fans. […]
Over 70 Artists Cover Bob Dylan On "Chimes Of Freedom" To Honor Longtime Human Rights Activists Amnesty International
[pullquote quote="This album is a powerful fusion of the music community's respect for Amnesty's life-affirming work and for Bob Dylan's enduring brilliance" credit="Producers Jeff Ayeroff & Julie Yannatta"]This year marked 50 years of dedicated human […]


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May 22nd - 26th, 2014
Join the Zimmerman Civic Club every Memorial Day Weekend for the annual Wild West Days City of Zimmerman celebration - Events for your family and friends are scheduled, so come for the parade and stay for the weekend.
It is the hope of the Zimmerman Civic Club that you enjoy yourself at our city celebration with your family and friends. There will be entertainment in many forms. Here is just a few - a Lip Sync Contest, Live Music at several businesses, Softball Tourney, Soap Box Derby, and the always popular Wild West Days Parade on Saturday at noon, 2nd invitational Car & Bike show on Sunday and make sure to come shop Anna Mae's Mercantile Friday - Sunday.
Please check the links at the left to keep up to date on the events and attractions that make the event a great time for all. Consider being a sponsor of the City Wide Event by clicking Sponsor Details.
All Wild West Day events forms are available below as they become available. Use these links to download a specific form that you can print on your printer at home.
Wild West Days Button Contest
Wild West Days Button Contest Entry Form
Wild West Days Sponsor Information Sheet
Download form here
Wild West Days Official Parade Entry Form
Download entry form here
Wild West Days Parade Map
Download a parade map here
Zimmerman Ambassador Posse
Download application form here
Anna Mae's Mercantile
Download vendor form here
Zimmerman Lions Interest Form - Food Vendors
Download a Lions form here
Wild West Days Softball Tournament
Sponsored by the Zimmerman Lions
Hosted by ZBG Softball Team
Joe Barthel
email: email@example.com
Phone: 763-267-9336
Ross Fawver
email: email@example.com
Phone: 612-747-4073
(text instead of calls please)
Soap Box Derby Entry Form
Download entry form here
Outstanding Community Service Award Form
Download submission form here
Jacobs Run
go to Runningroom.com for information.
Thanks to this "handful of sweating members, who perform most of the hard work, listen to gripes, grit their teeth and try harder", their vision was realized many years later. The enthusiasm was contagious. The small handful of visionaries soon grew into a large, active group of community members. Within three months, the ZCC had announced it's first large scale fundraising event -- Wild West Days (WWD). By the time the celebrations was held, membership in the ZCC was listed at 77 members. With a population under 500 people, that was quite an amazing accomplishment in itself.
Even more amazing is the array of events offered at this first celebration, including: "Main street" being closed down for an old-fashioned Street Dance - "bands played continuously from 1 p.m. to 1 a.m."; a Carnival that touted games like "Pick-a-Duck" and offered real pony rides; the first Parade - "drew hundreds of spectators"; Bingo, with a "loud and clear" bingo caller; Dinner "served" - (not sure where, but bet it was darn good); a Baking Contest - no "boxed mixes" please; a Pie Eating Contest - "hands tied behind made a big mess"; a Beard Contest - for the nicest looking beard, not the longest, just in case some of the men had "slow-growing beards - AND it was judged by "pretty ladies who don't mind looking men over at all"; a Raffle with a grand prize of half a beef - "Stan Dorris of St. Paul won it"; a Demolition Derby - "make sure those doors are roped shut!"; a Poster contest for grade school kids - I came in second place!; a WWD Button selling contest - winners were crowned king and queen of WWD; A Buffalo Bill and Calamity Jane look alike contest - "The Aubin's won the title and led the parade"; A Horse Show, hosted by the Zimmerman Trail Riders; a Shooting Contest and Gallery - "fastest draw and sharp-shooting - real men, real guns!"; a Senior Citizen's Auction and Bazaar - "held on Roy's front lawn" (guess everyone knew where that was); and a Soap Box Derby , held on the Legion's hill, "with winning prizes of $3, $2, and $1" - (Dreamy John Adam was the big winner, with Phil Ingram a close second). And that is what was documented! What an unbelievable undertaking! Can you even imagine doing this without cell phones or e-mail? Wouldn't you just love to be dancing to "The Too Fat Polka" with Rueben and Ann in the street right now?
What a huge success that first weekend was. No one needed to count dollars to know that WWD was a success long before the weekend came. The old newspaper articles, praised the event, and the weekend's program reads like a "Who's Who" in Zimmerman's rich history. The old WWD programs are filled with numerous acknowledgments for "generous donations "of time, money, baked goods and prizes. Giving -- it seems -- is a "Zimmerman Tradition." And for 30+ years the community of Zimmerman has been giving and hosting their successful annual community celebration, "Wild West Days".


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'Top Gear' (USA) Recap: 'Taxis'
February 26th, 2013 10:02pm EST
Being a taxi driver is no easy feat. Just ask Richard Hammond, who attempted to do just that in this season of Richard Hammond's Crash Course. Yet that's not going to stop the Top Gear hosting trio from trying. And earning a disclaimer that says "Local authorities monitored the filming of this show. No laws were broken."
Our heroes Adam Ferrara, Tanner Foust and Rutledge Wood are in Las Vegas, as Tanner tells us that being a taxi driver is supposedly one of the worst jobs in the country, partly because of the cars they're stuck with. It's therefore up to Adam, Tanner and Rutledge to fix this problem - but not before Tanner gives Adam and Rutledge whiplash showing off a BMW M5 in a parking garage. Unfortunately, the M5 is out of the average taxi driver's price range, so what vehicle would feasibly fit the bill?
Tanner thinks it's the Scion xB, specifically one built by his old drift team, so it's got a few tricks up its sleeve. Rut believes it's a 1984 Chevrolet El Camino, and its interesting outside passenger seating. And Adam shows up in..an ambulance. Or "AmbuTaxi," as it says on the side. He plans to make liberal use of its lights and siren. Clearly, they all have drastically different opinions of what a good taxi ought to be.
With the cars picked out and several initial insults slung, it's time for the usual Top Gear series of challenges. The guys' first test takes place at the Las Vegas Motor Speedway. Tanner, of course, has to arrive in a cloud of smoke. But this task isn't about style, it's about speed: picking up a family (an inflatable one), loading them aboard and getting them back to the finish line in the shortest time possible. Adam takes 1:50, Rut does 1:10 (but may have killed his passengers under their own luggage), and Tanner completely loses the plot. He takes off with his hatch open, causing suitcases and a few people to fall out of the Scion. One of them even ends up under a tire. Definitely not customer satisfaction, and a time of 2:43 besides.
Part two is the taxi-oriented equivalent of an obstacle course, with the two other hosts and some giant drinks along for the ride. When Adam's ambulance brakes, Tanner and Rutledge spill their beverages all over themselves, and eventually decide to just throw the water on each other. However, the drinks Adam has belted into the front seat survive just fine. Tanner's not so lucky in that department, so he elects to just throw the drinks out the door, leaving Adam and Rut to hang on for dear life in the back seat as he slides all over the course. Rut puts everything - passengers and beverages - in the back seat, but the unattended drinks fall onto Adam and Tanner almost immediately, and the guys decide they'll just fight with each other (and the PA system) for the rest of the trip. Tanner even flips Rutledge the double bird at the end of the ride.
But none of that really matters, because it's "winner take all" as the guys hit the streets to pick up living, breathing passengers who have no idea what they're in for. Adam starts with four party-minded guys in his ambulance, while Tanner has three dudes at the Tropicana, and Rutledge escorts a couple to the local Hooters. Chaos ensues (obviously). The guys all manage to drop off their first fares without serious incident, although Tanner gets lost and it costs him.
The second round sees Adam pick up Murray Sawchuck (the magician you might know from VH1's Celebracadabra) and his assistant, Rut snagging some showgirls, and Tanner on his way to Mandalay Bay with a pair of pretty girls who don't speak great English, but seem to really enjoy his company. After dropping off the ladies, Tanner is excited to be summoned for some exotic dancers...only to be slightly let down when he finds out they're men. Desperate to score big to keep himself in the competition, our racing driver unleashes a cloud of smoke on the Las Vegas Strip. It works, and he lands a hefty tip, while Adam's trading lines from Taxi Driver with a guy who looks suspiciously like Robert de Niro. Rut banks $55, Tanner has $80 and Adam is at $140, making him the winner. However, Rut and Tanner quickly disqualify him for his use of the ambulance's lights and siren.
That means yet again, Tanner wins the prize for the episode, which is driving a new supercar in Miami - the McLaren MP4-12C. He calls it "the most obsessively engineered car ever made." He enjoys using the McLaren to its fullest, and even tests out his British accent. But to keep Tanner interested, the producers pit the supercar against NASCAR star Carl Edwards and his #99 ride in a ten-lap competition (rightfully bringing NASCAR analyst Rutledge along for color). Carl mocks Tanner's ride and the amount of hairspray he uses, then pops Race Boy on the last lap to beat him on the track. This episode raises two questions: how rarely does someone topple Tanner Foust? And who's surprised (but glad) that our heroes didn't have to make real use of that ambulance?
In related news, BBC/Warner released the second season of Top Gear on DVD this week, and if you haven't picked it up yet, you can read my review to tell you why you should.
(c)2013 Brittany Frederick. Appears at Starpulse with permission. All rights reserved. No reproduction permitted. Visit my official website and follow me on Twitter at @tvbrittanyf.
Related: Adam Ferrara, Tanner Foust, Top Gear US, Starpulse Exclusives, Recaps, Television, Reality
Photo Credits: History
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Uncertainty, Asset Specificity, and Entrepreneurial Adaptation
From the session on "Studies in Business Cycles," presented at the Austrian Economics Research Conference. Recorded 22 March 2013 at the Ludwig von Mises Institute in Auburn, Alabama.
From: Austrian Economics Research Conference 2013 , Monday, April 01, 2013 by Timothy D. Terrell
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4 Steps to Lock Down Your Portfolio for the Election
How to secure your portfolio for voting day and beyond, regardless of who wins.
[See Understanding the Fiscal Cliff: What It Means for Your Money.]
Find income without bonds. Preferred stocks and selected real estate investment trusts (REITs) can be a relatively safe way to get income that is not too dependent on the election. Germain likes REITs that are made up of government-backed mortgages. The Fed is buying up mortgage securities at a rate of $40 billion a month, lending support to that sector. Germain's favorites are iShares Mortgage Plus Capped Index Fund (symbol: REM) and Market Vectors REIT Mortgage Income ETF (MORT), as well as PIMCO Real Estate Real Return Fund (PETAX). But be careful with other REITs that derive income from rental properties. Their yields could be less attractive as home buying improves.
In the "other income" category, Koesterich favors preferred stocks. Some ETFs made up of preferred stocks yield as much 6 percent. Large-cap companies' dividends are another income source, and unlike standard government bonds, the payout can rise in a stronger economy with more inflation.
The bottom line on portfolio allocation. There is no one solution when it comes to allocation. It depends on your goals for retirement, your age, and other factors. "It really depends how aggressive you want to be with your investments," says Koesterich.
Still, the U.S. presidential election is a good time to check your allocations because it tends to mark the start of a new investing cycle. The pattern has been for markets to perform better in the second half of four-year terms. For some undecided investors, locking things down now will give them time to consider the long term and eventually put more money to work.
"It's reasonable to want to raise some cash with all of the uncertainty. But people now already have a lot more cash sitting in accounts than they should," says Koesterich. "When I talk to our advisers, they say most people have huge cash piles."


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Newburyport Daily News
The following items were recorded in the Amesbury police log:
Marcelio Saramela, 41, 161 Liberty St., Middleton, was arrested Tuesday at 5:06 p.m. and charged with driving while under the influence of alcohol, operating a motor vehicle with a suspended license, attaching number plates to conceal identity, operating an unregistered motor vehicle and operating an unregistered motor vehicle. Officers Raymond Landry, Steven Reed and Craig Lesage made the arrest in Market Square following a motor vehicle accident.
Matthew K. Billings, 28, 226 High St., No. 2, Newburyport, was issued a summons Tuesday at 10:09 p.m. on a charge of operating a motor vehicle with a revoked registration. Officers Reed and Lesage issued the summons on Pond Street.
The following item was recorded in the Salisbury police log:
Corey Parker, 24, 5 Winter St., Merrimac, was issued a summons Tuesday at 3:50 p.m. on charges of malicious destruction of property less than $250, assault with a dangerous weapon, disturbing the peace and two counts of threatening to commit murder. Officer Patrick Szymkowski issued the summons following an incident on Ocean Street.
The following item was recorded in the Newbury police log:
Dennis Hamel, 24, 22 Longfellow Road, Wenham, was arrested Wednesday at 10:15 a.m. and charged with a previous warrant. Detective Aaron Wojtkowski made the arrest on Route 1.
The following items were recorded at the Newbury barracks:
Sarah C. Farmer-Williams, 29, 1024 Bellingham Ave., No. 306, Malden, was arrested Tuesday at 4:40 a.m. and charged with driving while under the influence of alcohol, malicious destruction of property more than $250, two counts of vandalizing property and marked lanes. Trooper Sullivan made the arrest in Newburyport.
Daniel P. Bourgeois Jr., 54, 62 Lowell St., Haverhill, was arrested Tuesday at 7:25 a.m. and charged with a previous warrant, operating a motor vehicle with a suspended license (subsequent offense) and operator failing to identify self to police. Trooper Provost made the arrest in Salisbury.


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By John Vogl
Darcy Regier says he understands that Sabres fans have suffered. He's willing to bet they'd be OK with suffering more if the pain results in a Stanley Cup.
The Sabres' bet is that Regier is the one who can bring that championship.
Regier and team President Ted Black wrapped up the 2013 season today with a news conference in First Niagara Center. As they move toward next season, Black made it clear the Sabres will do so with Regier in the general manager's chair, which he's sat in since 1997.
"I don't take any of this for granted in any way," Regier said. "I'm extremely grateful, not just for this opportunity but for being here even on a day like today; this is great. The reality of it is if I didn't have the confidence that I in the general manager's position, along with the people I work with, could accomplish building a Stanley Cup winner, I wouldn't be here."
The Sabres have missed the postseason during seven of the last 11 years under Regier, including the past two. He points to the team's Eastern Conference finals appearances in 2006 and '07 as proof he can build a winner.
"There's unfinished business there," Regier said. "I have a lot more insight into an experience, and I've learned a lot more in that process. I'm not an old man. My goal is to come to work every day learning something new, and it hasn't changed, and I am.
"I recognize that you can look at the performance of the team, and it doesn't reflect it. I can tell you that, just as I told you before, we have gone with more determination in a very distinct direction, which is about the Stanley Cup. So I feel good about it. I love the opportunity.
"I understand what we're talking about here. I understand our fan base, and I would like to think that people will give up some suffering in order to win a Stanley Cup. I'm willing to do it. I believe our fan base is willing to do it.
"We certainly don't want to extend it for a long period of time. We want to make it as short as possible, and that's the goal."
Regier's first order of business will be to determine who will coach the team. Ron Rolston served in an interim role since taking over for Lindy Ruff in February.
"Ron's situation will be that he and I will sit down over the next week, maybe couple of weeks, re-evaluate the season and have discussions about our relationship going forward," Regier said. "I would add that I think he did a very good job under trying circumstances. But again, we'll address that down the road."
Regier was also non-committal about the futures of Thomas Vanek and Ryan Miller, saying neither, one or both could be back next year depending on the trade market.
Black addressed the Sabres' decision to hike season-ticket prices 4 percent.
"Of the 4 percent, 2 percent is never going to see our bottom line," Black said. "It goes straight to the players and into the pool throughout the league. The entire process allows this franchise to still qualify unencumbered for revenue sharing. … There's an obligation to raise money so that you don't jeopardize that revenue stream.
"It wasn't caused by the CBA, but that's just the realities of it.
"Even with the 4 percent increase, we're still in the bottom quarter in terms of what our prices are. You can probably make an argument on supply-and-demand basis that tickets should be much, much higher because of demand."
To hear the entire news conference, which lasted about 45 minutes, click the audio file below.
taggedDarcy Regier | Ted Black


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Here at Sunset Hills-Crestwood Patch, we're proud to acknowledge our neighbors in the business community. And that's why we're giving a big shout-out to six businesses that claimed their listings on Patch in February. Our newest claimed listings are from:
Claiming your listing on Patch shows readers you're watching the reviews that are posted, and that you're ready to update the listing information with more information of your own. By claiming a listing, you can:
- Upload photos of your business;
- Link to Facebook and Twitter accounts;
- Upload or link out to items like restaurant menus or inventory; and
- Post announcements about sales and new products.
Claiming your listing is free. Here's how to do it:
1. Visit your local Patch site. If you're already a user, make sure you log in first.
2. Click on the "Places" tab at the top of the page.
3. Search for your business/organization and click on it.
4. Scroll half down the page to where it says, "Do you own or manage this location? Claim it!"Click on "Claim It."
5. Login and complete the four-question form providing all necessary information to expedite your claim.
We want to make sure it's really you claiming the listing, so please allow 3-5 business days for us to evaluate and approve your claim. You will be notified by email once it's approved.
If you can't find your business in our directory, email firstname.lastname@example.com, and we will get to work on creating a listing for your business immediately.


text: The Boy Scouts of America relies on volunteers to provide leadership and support to Cub Scout Packs, Boy Scout Troops, Venturing Crews and Sea Scout Ships.Scouting volunteers come to Scouting from a variety of backgrounds and experiences. Plumbers, lawyers, housewives, teachers, doctors, janitors, and scientists; people from just about every occupation imaginable are involved in leading youth to become responsible, caring, and competent citizens. They also quickly discover that Scout's volunteering enables them to learn new skills and build lifelong friendships while having fun.You Benefit, Too. Whether you wish to volunteer your time with elementary school-age boys or middle and high school-age youth, the Boy Scouts of America has a volunteer opportunity that is right for you. In addition to the reward of working with youth, through volunteering for the Scouts, you will:■ Develop a greater level of pride in your community.■ Have the opportunity to demonstrate moral and ethical decisions.■ Build a closer bond with your children and other children in the community.■ Become a better role model image for youth in your community.


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The International Hotel in Harbin has an imposing, serious look from the road it and then you go in and are met by a stylish Art Deco interior. We decided to go at the last minute from Beijing to visit the Ice Festival and booked the Hotel online. The front of house staff were courteous and helpful although we struggled... More
- Reservation Options:
- TripAdvisor is proud to partner with Expedia, Agoda, Travelocity, Ctrip DaoDao, Hotels.com, Otel and HotelsClick so you can book your Harbin International Hotel reservations with confidence. We help millions of travelers each month to find the perfect hotel for both vacation and business trips, always with the best discounts and special offers.


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Title I Compact
meeting scheduled
The Fort Gibson Intermediate Elementary School will hold a Title I Compact Meeting at 6 p.m. tonight in the Intermediate Elementary cafeteria.
The agenda includes an overview of our program, revision of our compact, a needs assessment, and presentations on how parents can assist their child in reading.
Basketball teams
selling Tiger cards
Fort Gibson Tiger and Lady Tiger basketball teams are selling Tiger cards.
The price is $10, and this year's card features five pop-off specials for food items.
Information: (918) 478-2474.
NSU Centurions
to add members
In celebration of Northeastern State University's Founder's Day 2014, the university will add 10 new members to the roll of NSU Centurions.
Anyone can submit a nomination. The nominee can be living or deceased and should embody the legacy and spirit of NSU.
Nominations are also accepted by mail at Office of the President, attn.: Julienne, Northeastern State University 600 N. Grand Ave. Tahlequah 74464 or by fax at (918) 444-2015. Nominations must be submitted by Nov. 29.
The new Centurions will be named the first week of January and honored during a special luncheon March 6.
Information: (918) 444-2018