text:
|Radium Hot Springs pools
|Village centre
|Whitwater rafting
|Coin-op Laundry
The Riding Fool Hostel
Cumberland, British Columbia Youth Hostels
If you enjoy a more relaxed travel experience rich with recreational opportunities and steeped in history you will most certainly enjoy Cumberland and the Riding Fool! Tourism BC Approved, Hostelling International Affiliate, Trip Advisor Recommended...
Affordable Rates from 25 Per Night
Cheap and Groovy Hostel in Uptown Port Alberni
Port Alberni, British Columbia Youth Hostels
Fat Salmon Backpacker's Hostel is a progressive, fun and funky space that provides inexpensive accommodation to progressive, fun and funky budget international travellers while in Port Alberni, BC. Let us help you properly explore Vancouver Island. ...
$16 Per Night/Pers
North Coast Trail Backpacker's Hostel
Port Hardy, British Columbia Youth Hostels
Cheap and cheerful backpackers hostel in the heart of Port Hardy and the gateway to the North Coast Trail and other adventure-full activities! ...
24 Per Night
Motel Bavaria
Radium Hot Springs, British Columbia Hotels & Resorts
We are a two story alpine theme motel just one block off the main highway on a quiet street offering 26 non smoking units including 13 efficiency suites ...
$84 Per Night
Bighorn Meadows Resort Condos
Radium Hot Springs, British Columbia Hotels & Resorts
This professionally managed resort offers the amenities and comforts of home to discerning travelers. Bighorn Meadows Resort, surrounded by acres of evergreen ...
$199 Per Night
Prestige Radium Hot Springs
Radium Hot Springs, British Columbia Hotels & Resorts
The BEST WESTERN PLUS Prestige Inn Radium Hot Springs is located at the crossroads of Highways 93 and 95, situated in a panoramic mountain setting at the ...
$160 Per Night
Radium Resort
Radium Hot Springs, British Columbia Hotels & Resorts
The Radium Resort is an all season resort featuring golf and ski packages. In the Canadian Rockies on the edge of Kootenay National Park wild life is abundant. ...
$129 Per Night
SunLund By-The-Sea
Lund, British Columbia Campgrounds & RV Parks
SunLund By-The-Sea is a full-service RV campground located in the tiny seaside village of Lund BC, Canada. Amenities include cabins, clean showers & toilets, laundry machines, free wifi. Easy access to hiking trails, kayaking, boating, & snorkeling....
Rates from 32 Per Night
Glacier View RV Park & Cabin
Smithers, British Columbia Campgrounds & RV Parks
Relax and enjoy the panoramic view of the Hudson Bay Mountain and glacier. Full service sites, pull-throughs and tenting. Clean FREE showers with nature music, laundromat, handicap accessible shower, and dish washing room. Flower gardens....
Starting at 21 Per Night
Wasa Lakeside B&B
Cranbrook, British Columbia Bed & Breakfasts
A lakefront self-catered or full serve B&B with superb recreational opportunities. Accommodations in the Beach House. 2 separate suites each with private detached bath. Block bookings for 3, 4 or 7 night stays....
Starting at 1,200 Per Week
Sink or Swim Scuba and Water Sports
Nanaimo, British Columbia Scuba & Snorkeling
PADI 5 star scuba diving shop offering scuba courses, scuba and snorkeling rentals. We are a full sales and service dive shop. Air and Nitrox fills available....
Vancouver Kayak and Beach barbecue with hotel pick
Vancouver, British Columbia Kayaking & Canoeing
Short,guided kayaking adventure and beach barbecue. Trained guides are with you to ensure your safety and explain the wildlife. Highlight is a salmon beach barbecue served on a remote island. Return to your hotel relaxes, enriched and invigorated....
Starting at 199 Per Person
Grey Wolf Expeditions
Black Creek, British Columbia Kayaking & Canoeing
Sea Kayaking Day Tours, Multi Days & Whale Watching Base Camp Johnstone Strait | Discovery Island Sea Kayak Tour...
Wild Whales Vancouver
Vancouver, British Columbia Whale Watching
Wild Whales Vancouver is the only dedicated whale-watching company operating directly from downtown Vancouver, British Columbia. The staff are pleased to be embarking on their eleventh season of operation....
Rates from 85 Per Person
Shearwater Resort & Marina
Denny Island, British Columbia Eco Tours
Shearwater Resort & Marina, a World Class Fishing & Eco Adventure Resort located in the Great Bear Rainforest on the West Coast of British Columbia, Canada. Offering all inclusive fly-in adventure vacations!...
Affordable Rates from 2,450 Per Person
Aboriginal Journeys
Campbell River, British Columbia Whale Watching
Aboriginal Journeys is a family owned company offering awe-inspiring Grizzly Bear Watching, Orca Killer Whale Watching, Marine Wildlife Viewing and Adventure Tours from Campbell River on Vancouver Island in British Columbia, Canada....
Great Rates & Specials! 109 Per Person
Bespoke travel to Burgundy and Piedmont
Vancouver, British Columbia Wine Tasting
Wines Travel specializes in bespoke and behind-the-scenes lifestyle journeys through Burgundy and Piedmont (Barolo region). Acting as a travel concierge & consultant, we share our travel and wine related experiences with our international discerning...
Starting at 150 Per Trip
Fresh Start Health Retreats, Adv. Whole-Body Detox
Campbell River, British Columbia Detox Retreats
Fresh Start's Health Restoration Retreat focuses on Advanced Whole-Body Detoxification, weight loss, health education and prevention, & rejuvenation. Participants improve their well-being through our 2,5,7,9,12 & 14-day health restoration retreats....
Affordable Rates from 800 Per Event
Hands-on Gourmet Cooking Workshops at Wine & Thyme
Kelowna, British Columbia Cooking Schools
Hands-on culinary workshops for groups of 8. Make up your own group, or join other 'foodies' for an afternoon or evening of cooking and savouring the local ingredients of Canada's Okanagan Valley in . Stay in the area for golf and winery excursions...
Starting at 85 Per Person
Vancouver Photo Walks
Vancouver, British Columbia Sight-Seeing Tours
See Vancouver while learning how to use your camera! We combine walking tours with outdoor photography classes in a variety of Vancouver hot spots. Offering creative and techical photowalks. Suitable for everyone from 9-90, iphone-DSLR...
Starting at $49 Per Person
|Link Code


text:
Independent Presbyterian Church
Tuesday, July 29, 2014
IPC Choir CDs and Roundels
Independent Presbyterian Church Choir CDs and Roundels
All proceeds go to the IPC Choir Travel Fund to support upcoming choir performance tours.
Purchasing Choir CDs and Roundels Online: To order CDs and Roundels, you must complete all the information on this page for CDs and click "Go to PayPal." Then come back to this page and fill out all the information about Roundels and click "Go to PayPal." The information on this page will go to Barbara Fillmer who will fill your order and mail it.
One Payment Transaction for all
NOTE: If purchasing Choir CDs and Roundels below online, on the PayPal page, you will be able to click "Continue Shopping," then close that window, and go back for the next item. (Remember you first have to fill out all information on this page which goes to Barbara Fillmer) When you have all the items you want, you can specify the number you want, check out and pay with one transaction.
Hand-painted Roundels of IPC's stained glass
Roundel 2013: The IPC Music and Fine Arts Ministry
This stained glass panel of 2013 is the third in a series of five to commemorate the Centennial Celebration of Independent Presbyterian Church in 2015. Proceeds benefit the Music and Fine Arts programs and ministries.
Found in the Henry M. Edmonds Memorial Chapel, this window is from the group of four windows devoted to the ministry of Dr. Edmonds. The depiction of choristers in a candle-light procession is surrounded by elements of the music program, including a cross, organ pipes, harp and a waffle iron. The women of the church funded the original organ through proceeds of a waffle kitchen in the early days of the church.
In celebration of the upcoming centennial celebration of IPC in 2015, the IPC choir is selling hand-painted roundels of the stained glass found throughout the church. There will be five different roundels, one released each year until 2015.
Roundel 2012: "Let the Little Children Come to Me"
These treasures cost $45.00 each or three for $120.00 with an additional $5.00 shipping charge per item. The roundels are available for purchase online below or from the music office at the church. You may order a roundel by calling the Music Office at 205-933-3700, or e-mail bfillmer@ipc-usa
You may mix your order of the Roundels in the "three" order.
Roundel 2011: Nativity Window
These treasures cost $45.00 each or three for $120.00 with an additional $5.00 shipping charge per item. The roundels are available for purchase online below or from the music office at the church. You may order a roundel by calling the Music Office at 205-933-3700, or e-mail bfillmer@ipc-usa
Christmas CD: A Babe is Born
A Babe is Born CD $20.00 each
plus $5.00 shipping charge per item
The IPC Choir's Christmas CD is A Babe is Born, recorded in June of 2010 in the sanctuary of Independent Presbyterian Church. This recording contains a sampling of the music sung and played at the traditional Service of Nine Lessons and Carols, held each Christmas Eve at the church. Selections include "Still, Still, Still," "O Come All Ye Faithful," Silent Night," "Of the Father's Love Begotten," and more.
The Lord is My Light CD $15.00 each
Plus $5.00 shipping charge per item
Questions? Email Barbara Fillmer at the church.

subset: commoncrawl


text:
This article was originally distributed via PRWeb. PRWeb, WorldNow and this Site make no warranties or representations in connection therewith.
Best Cheap Hosting USA has compared many professional Windows web hosting suppliers from the USA. Today, it announces that Arvixe, iPower, and Bluehost are the best Windows web hosting companies for webmasters worldwide.
(PRWEB) July 03, 2014
Drupal may be the most powerful opensource Content Management system, which is mostly used for corporate site, blog, community web portals and eCommerce. Best Cheap Hosting USA has compared many professional Windows web hosting suppliers from the USA. Today, it announces that Arvixe, iPower, and Bluehost are the best Windows web hosting companies for webmasters worldwide.
There has been a boom in websites in recent years, and the new demand has resulted in an increase in the number of web hosting companies that offer a variety of different services at very affordable prices.
Arvixe (http://www.arvixe.com/6883.html), one of the Top Web Hosting in 2014, is a popular supplier of cheap Windows hosting, and it offers rich features and great Windows hosting solutions at affordable rates.
Too many people use Arvixe hosting. I have never had such competent, friendly, and responsive support at any price point. Arvixe is extremely attractive. I will not hesitate recommending Arvixe to anyone I know! Thanks, Arvixe! An Arvixe user comments.
Bluehost (http://www.bluehost.com/track/seohosts) is also a popular hosting supplier from the USA. One of its features is that Bluehost provides quality hosting and great technical support to the customers worldwide. There are too many options that customers can use to contact the Bluehost support team.
These companies have outperformed their competitors on hosting features, uptime, server speed and customer support, so that we call them as Best WordPress Hosting. By working with them, people can get the best web hosting to enjoy the power of WordPress at affordable rates, a manager of Best Cheap Hosting USA says.
About Best Cheap Hosting USA
Best Cheap Hosting USA (best-cheap-hosting-usa.com) is an independent, advertising-supported hosting comparison service provider. Their experts have been evaluating many hosting companies for many years. The business aims to provide people with better products at cost-effective prices. For more details, please visit:http://www.best-cheap-hosting-usa.com/.
For the original version on PRWeb visit: http://www.prweb.com/releases/2014/07/prweb11992694.htm
Information contained on this page is provided by an independent third-party content provider. WorldNow and this Station make no warranties or representations in connection therewith. If you have any questions or comments about this page please contact email@example.com.
PO Box 8086
All content © Copyright 2000 - 2014 Worldnow and WTOC. All Rights Reserved.
For more information on this site, please read our Privacy Policy and Terms of Service.


text:
Life News
News on Life continually updated from thousands of sources around the net.
3 hrs ago | Cybercast News Service
Obama going to dinner as clock ticks toward recess
President Barack Obama is taking four Kansas City residents out to dinner to chew over the concerns of heartland Americans, with little time remaining for action on pressing issues before Congress begins its August recess.
Popular Stories
Delaware Gets $690,000 Grant for Nutrition
Public health officials say Delaware's Women, Infants and Children program has received a grant of more than $690,000 to implement an electronic benefits transfer system.
Hamas, Israel trade blame for deaths of 9 children
Hamas and Israel blamed each other for an explosion at a Gaza park Monday that killed at least 10 Palestinians - including nine children playing on a swing - in a horrific scene that underscored the heavy price civilians are paying in the conflict.
Korean War monument unveiled in Burlington, Ont., to honour eight navy ships
A monument dedicated to eight Royal Canadian Navy ships that served in the Korean War was unveiled in Burlington, Ont., Monday, to mark the 61st anniversary of the armistice to end the war.
Muslims mark end of Ramadan with Eid celebrations
Millions of Muslims across the world are celebrating the first day of the Eid al-Fitr holiday, which marks the end of the monthlong fast of Ramadan.
Light bulb goes on: A man loses 100 pounds with plant-based diet
Having to ask for a seat belt extender on a flight was one of Benji Kurtz's biggest life humiliations.
As America tries for a greener approach to energy by relying more on natural gas, energy companies are shipping more and more coal abroad - and with it, tons of carbon dioxide.
Abu Sayyaf kill 18 in road attack
Abu Sayyaf gunmen killed at least 18 villagers, including women and children, in a road attack Monday as the civilians travelled in two vans to visit relatives and celebrate the end of the Muslim fasting month of Ramadan in the southern Philippines, military officials said.
Classes aim to hook blacks on African foods
Dorsey, 53, is trying to change that. He is among about 500 people across the United States who have participated in a program to learn about cooking fresh foods based on traditional African cuisine.
Oldest female WWII veteran visits DC monuments
The nation's oldest living female World War II veteran has finally made it to Washington to see the monuments and memorials.
APNewsBreak: Tentative deal reached on VA reform
Rep. Jeff Miller, R-Fla., and Sen. Bernie Sanders, I-Vt., scheduled a news conference Monday to talk about a compromise plan to fix a veterans' health program scandalized by long patient wait times and falsified records covering up delays.
Scandal-ridden food processor issues recall
The food processing company accused of mishandling meat at its Shanghai, China plant says it will suspend sales and recall all food processed there.
Man seeks video of 1995 Oklahoma City bombing
One man's quest to explain his brother's mysterious jail cell death 19 years ago has rekindled long-dormant questions about whether others were involved in the 1995 Oklahoma City bombing.
Hamas agrees to 24-hour holiday truce in Gaza war after Israel resumes fighting
Hamas spokesman Sami Abu Zuhri said the truce would go into effect at 2 p.m. Sunday.
Cuban ballet master gives classes in US
Ramona de Saa is teaching for the first time in the United States at the Sarasota Cuban Ballet School.
Meet the Master of Star Wars Origami
NBC 7's Steven Luke speaks with Chris Alexander, an air traffic controller by day, and master of origami by night.
Regulator to probe charity payments
A regulator is investigating the awarding and use of taxpayer-funded grants by the charity set up to lead the Prime Minister's Big Society initiative amid Labour calls for an investigation into political influence.
Fast food workers vow civil disobedience
In this May 20, 2014, file photo, Rev. Peter Heltzel prays during a rally for a higher minimum wage outside a McDonald's restaurant at the Empire State Plaza concourse in Albany, N.Y. The minimum wage has emerged as perhaps the top issue of a newly emboldened, urban liberal movement that in many places is led not by governors or state lawmakers but ... (more)
Custody Death to Mar NYC Mayor's Return From Italy
New York City Mayor Bill de Blasio and his family are wrapping up a whirlwind vacation in his ancestral homeland of Italy, complete with cheering crowds, paparazzi and, yes, even proof Italians do eat pizza with a knife and fork.
Aretha Franklin slams server's D-I-S-R-E-S-P-E-C-T
In a Thursday, May 29, 2014 file photo, singer Aretha Franklin looks up while seated on stage during Harvard University commencement ceremonies, in Cambridge, Mass., where she was presented with an honorary Doctor of Arts degree.
Updated: Tue Jul 29, 2014 03:10 am
Copyright © 2014 Topix LLC


text:
All Storia eBooks offer readers added learning tools, including an age-appropriate dictionary. Older readers may also use a highlighter and note-taker.
Appeals to1ST-3RD GRADERS
Reading LevelGRADE 3
All Storia eBooks bring reading to life, with a variety of features designed especially for children, along with further enrichments exclusively available in Storia enriched eBooks.
Storia's growing collection of children's eBooks offers a wide selection of titles about so that no matter what your child is interested in, you can find the eBook that's just right for his or her reading level.
Storia Enriched eBooks provide an additional learning experience that further develops your child's reading comprehension and critical thinking skills. Children can engage with an enriched story through age-appropriate learning interactives, including:


text:
Money on the markets
A maturing market amid the mayhem
BSE IT index gains
The BSE IT Index soared 2.49 percent in a broader market that closed 0.8 percent higher at 19,502 after U.S. retail sales data boosted optimism over recovery in the world's largest economy.
Stocks which led the index rise were Oracle Finance (up 5.3 percent), Infosys (up 2.49 percent) and TCS (up 2.1 percent).
Infosys and TCS touched there 52-week high during trade.
Do you think it is the right time to invest in technology stocks?
Bad day for IT stocks
Export-oriented software companies shed the most today, with the BSE IT index declining 1.4 percent after the recent rally in IT stocks.
Leading the index decline were heavyweights Infosys, Oracle Finance and TCS, which dropped 1.4 percent, 1 pct and 1.5 percent respectively. TCS and Infosys were the top Sensex losers too.
BSE IT Index drops, Infosys leads the decline
The BSE IT Index ended 2.68 percent lower on Tuesday weighed down by Infosys Technologies' surprise 2.6 percent drop in April-June profit.
The country's No. 2 outsourcer said before market hours its sales contribution from Europe fell to about 20 percent from nearly 25 percent a year ago and 23 percent in January-March.
Good day for IT stocks
The BSE IT Index ended 3.09 percent higher on Tuesday, mainly led by IT bellwether Infosys Technologies which rose 3.6 pct.
The main index however closed 0.17 percent lower, weighed down by weakness in global markets.
BSE IT index fall on rupee appreciation
The BSE IT Index continued its downtrend from yesterdays trade and ended nearly 1 percent lower on Tuesday.
Outsourcers that get most of their revenue from exports were weighed down by the rupee that strengthened to 19-month-high against the dollar on Monday and looked to climb further, which could squeeze profit margins of the companies.
BSE IT Index rises over 2 pct
Export-focused software stocks did well on Tuesday, helping boost the BSE IT Index 2.5 percent to its second straight day of gains.
The broader market ended 0.6 percent up with financials being among the losers.
Sensex heavyweights Infosys, Tata Consultancy Services and Wipro rose 2.9 percent, 1.4 percent and 2.4 percent respectively.
Tech firms gain
The BSE IT index ended 3.9 percent higher on Tuesday as the overall 30-share sensitive index ended 0.59 percent down.
Infosys Technologies raised its annual sales forecast as big financial services clients boost orders in an improving global economy, pointing to an industry recovery.
Outsourcers slide on rising rupee
Shares in top IT firms plunged on concerns the rising rupee would squeeze margins in the export-driven sector.
IT bellwether Infosys dropped 2.5 percent, while Wipro and TCS fell 4.2 and 3.3 percent respectively.
TCS gains 3.9 percent
Shares in India's top IT services firm by sales gained nearly 4 percent in a broader market that ended 0.96 percent up at 16,853.
The stock which carries over 2 percent weightage in the main index, closed at 610 rupees with volumes of 0.58 million.
Infosys drops in flat mkt
Shares of Infosys Technologies fell over 3 percent to 2,285 rupees on Thursday in a market that saw volatile trade with the expiry of monthly derivatives.
Infosys, which has an over 8 percent weightage in the main index, dropped as much as 80 rupees with a volume of 0.3 million, making it the top loser in the index which ended flat.


text:
An opportunity for inspiration/
We often lose sight of how fortunate we are, and the stories and struggles of others can offer us perspective and humility. As a summer intern in GSK's communications department, I was given the chance to work on the GSK Opportunity Scholarship program. This college scholarship is awarded each year to students who have overcome great adversities and are changing their lives through education.Read More


text:
Halah Touryalai, Forbes Staff
I stalk Wall Street. Stopping short of phone hacking, of course.
It's not easy being a big bank these days. Consumers hate them, shareholders have beef with them and regulators can't figure out what to do with them.
At the end of the day though, a bank's gotta do what a bank's gotta do: make money. But how banks go about making that money is one way to differentiate them. The New York Times today writes about a few banks out there looking to boost business by offering low-income consumers products laced with loads of fees and plenty of interest.
Some banks, namely U.S. Bank, Regions Financial and Wells Fargo, are luring low-income consumers to sign up for things such as prepaid debit cards and payday loans–products that typically come with all sorts of fees and charges, the Times reports. Why are banks courting these customers with pricey products? Well, besides the obvious (fees) the products themselves weren't subject to all the regulatory overhaul brought by the Dodd-Frank reform act. That leaves more room for banks to make money in an environment where doing so has become more difficult.
The Times story features David Wegner. He makes about $1,200 a month and is looking for a checking account. He ends up with U.S. Bank where he is offered all sorts of financial products geared toward low-income consumers. The branch offered him prepaid cards, check cashing and short-term loan options. He tells the Times that he felt like he was being treated like a second-tier consumer.
The truth is that when it comes to profitability Wegner is indeed a second-tier customer compared with other customers with higher checking balances. And you know what? There are higher tier consumers than them too like the ones with bigger checking balances. Consumers with multiple mortgages, checking accounts, savings, brokerage accounts and loans are valued more.
Nancy Bush, a bank analyst, puts it this way, "It goes back to the way some people have viewed banking. They treat banking like an electric utility where if you flip the switch it has to be there for you. But the truth is banking is a business that aims to makes profits for shareholders."
Consider that 25% to 40% of checking accounts at the big banks are money losers. That's according to Dick Bove who says the way banks used to make money from those unprofitable checking accounts is through debit card swipe fees and/or overdraft fees. Regulations like the CARD Act and Durbin Amendment have dramatically shrunk the revenue from those activities. "In response, banks are are either kicking out those unprofitable consumers by driving up fees or providing them with other products that are higher in cost," Bove says.
Note that other big banks like Bank of America, JPMorgan Chase and Citi aren't mentioned in the Times story. That's because they don't offer these so-called alternative lending products for low-income consumers Bove says. Those banks aren't relying so heavily on the retail banking sector for revenue and profits while banks like Wells, Regions, U.S. Bancorp and Fifth Third Bank are much more retail banking consumer for business.
The bigger problem here is that low-income consumers don't have much of an alternative when it comes to banking. There's a growing population of people who don't have a bank accounts because they feel they can't afford it. They are called the un-banked and under-banked; people who don't have enough funds and/or mostly deal in cash transactions and who say they can't afford bank fees. They turn to things like pre-paid debit cards which according to the Federal Reserve is the fastest growing non-cash method of payment.
Unfortunately they can also be laced with an alarming amount of fees and a lot less protection than your regular old debit card.
Products geared toward low-income consumers have typically been offered by payday loan companies and storefront lenders or even big retailers like Wal-Mart. Consumer Reports analyzed the pre-paid card industry recently and here's what it found:
In its analysis the group sampled 16 prepaid cards and found 13 of the 16 prepaid cards charge monthly fees, ranging from $2.95 for the nFinanSe card to $9.95 for the Vision Premier card and the Univision card. ATM withdrawal? Twelve of the 16 cards impose a fee for checking balances at ATMs, ranging from 45 cents to $1 per balance inquiry.
So now some banks are getting into the game in a bigger way. As the Times notes, these banks say they're providing services for customers who might not be able to get banking access without them. That might be true but it's a weak argument, and one that does nothing for the low-income consumer.
Indeed it seems the costs of banking outside of the traditional methods are higher, and the alternative for departing banking customers are not much better. In fact, it looks a lot worse according to some of those pre-paid card costs.
Here's BB&T CEO Kelly King making the point in a letter to shareholders recently:
Particularly during these uncertain economic times, the deep and enduring relationships we form with our clients are crucial to both our success and our clients' financial well-being. Unfortunately, the value of these banking relationships has been too easily discounted or even dismissed in recent years as banks have unfairly borne the brunt of blame for the financial credit crisis. We believe it's important for banks like BB&T to reaffirm the value of having a relationship to help our clients meet their financial goals. For example, a national news reporter recently wrote about her experience living without a bank for only one month. In addition to the hassle of trying to pay bills and handle other routine transactions without a checking account, credit and debit cards or direct-deposited paychecks, the reporter was charged $93 in fees during the month for money orders, paycheck-cashing services and the like.
So, the bottom line for now is that the sad state of banking for the low-income consumer is more about picking your poison than than anything else.
Follow me on Twitter: @_halah
Related Stories:
Why Bank Fees are an Unjust and Unfair Tax on Customers
Bank Fees: When To Pay Up, Negotiate Or Walk Away
Are Banks Manipulating Your Transactions To Charge You An Overdraft Fee?
Want To Save America? Let Big Banks Get Bigger: Bove
Dimon Takes On Regulatory Hurdles In Annual JPMorgan Letter
Could there be any more typos in this article? Busch league.
Why pay ANY FEES to these vultures….
I'm a member of two. They (those I am a member of) are great for loans but terrible for daily banking because both do not have a branch anywhere near me. Otherwise, that is where I'd do most if not all my business.
The US Post Office already offers money orders – why don't they do check-cashing and prepaid debit cards at cost? Seems like an obvious move, and something that European post offices already do.
Didn't the Post Office used to have limited banking services, before 1966? Yes, I believe it was called US Post Office Savings System. I am too young to have a recollection of it—did anyone complain about it before 1966, or was this just a giveaway to the banks when they disbanded the Savings System?
1) Banking with the USPS would not be "the US govt banking directly with consumers".
2) Yes. Next question?
Yeah the USPS had it's share of limitations…
The system paid depositors 2 percent annual interest. Depositors in the system were initially limited to hold a balance of $500, but this was raised to $1,000 in 1916 and to $2,500 in 1918.
Not exactly chump change for the poor, especially in 1918.
Doesn't the US govt already give most of these entities interest free loans that get passed on to the consumer?
So yeah, I would prefer to bypass the banks and forego the economic raping.


text:
10 Reasons to Open a Roth IRA
This year, there are extra tax perks for opening or converting to a Roth IRA.
Young people and workers in low tax brackets have a lot to gain by saving for retirement in a Roth IRA. But this year, for the first time, high-income retirement savers also have access to Roth IRA accounts. And in 2010 only, investors can delay the taxes due for retirement account balances that are converted to a Roth. Here are more reasons you should consider contributing to a Roth account.
Lock in today's low tax rates. Traditional IRAs and 401(k)s give you a tax break during the years that you save for retirement, but you have to pay taxes upon withdrawal. With Roth IRAs and Roth 401(k)s, on the other hand, you pay the taxes upfront, and distributions that are made after age 59½ from accounts that are at least five years old are tax-free. To decide whether a traditional or Roth IRA is better for you, compare your current tax rate to what you estimate you tax rate will be in retirement. Those who expect to be in a higher tax bracket in retirement have the most to gain by paying taxes up front using a Roth account. "Young people should go for a Roth IRA and allow it to grow for 30 or 40 years," says IRA expert Ed Slott, founder of irahelp.com and author of Stay Rich for Life!: Growing & Protecting Your Money in Turbulent Times. "Generally, they are in a lower tax bracket than they will be later on and the upfront tax deduction of a traditional IRA is not worth as much because they are not earning as much." Roth accounts may not be as good of a deal for retirement savers who are currently in their peak earnings years and need the tax break now. If your taxes are currently higher than you think they will be in retirement, consider delaying taxation this year by choosing a traditional IRA or 401(k). Investing your retirement savings in both pre- and post-tax retirement accounts allows you to hedge your bets against future tax increases.
[See 10 Costs That Could Increase in Retirement.]
Greater flexibility in retirement. After age 70½, traditional IRA and 401(k) account owners are required to take distributions from their retirement accounts and pay the resulting income tax each year. The penalty for failing to withdraw the correct amount is 50 percent of the amount that should have been withdrawn in addition to regular income tax. Roth IRA and 401(k) owners are not required to take annual distributions, which gives them more flexibility to time withdrawals or pass on tax-free money to their heirs.
Easier access to your money before retirement. Roth IRAs give you more flexibility to make withdrawals before you reach retirement. Roth IRA withdrawals before age 59½ result in a 10 percent early withdrawal penalty and regular income tax due only on the portion of the withdrawal that comes from earnings. Like traditional IRAs, penalty-free early withdrawals are also allowed for several reasons, including college costs, health insurance premiums after losing your job, significant unreimbursed medical costs, and certain first-time homeownership costs.
More money for heirs. Beneficiaries must pay taxes on the money they withdraw from traditional 401(k)s and IRAs. But your children and grandchildren may be able to receive tax-free distributions of the money you leave them in a Roth 401(k) or IRA. "If you are never going to need this money, it makes sense to consider a Roth and let the assets grow until your children's generation," says Beth Gamel, a certified public accountant and personal financial specialist for Pillar Financial Advisors in Waltham, Mass. "You don't have to make any withdrawals and when your children have to make withdraws, they will never be subject to tax." However, charitable contributions will typically get you a bigger tax break when they're donated from a traditional IRA. "If you are intending to leave your IRA to a charity or a nontaxable entity you ought not do a Roth," Gamel says.
Maximize tax-sheltered assets. All of your traditional 401(k) and IRA savings isn't available for spending in retirement. You must use some of the balance to pay income tax upon withdrawal. With Roth 401(k)s and IRAs, you pay the tax using money outside of your retirement accounts. "The advantage of paying the tax with assets that are outside of the tax-sheltered plan is that you get to increase the amount of assets you have in a tax-sheltered plan," says Richard Kopcke, a research consultant at the Center for Retirement Research at Boston College. Your entire Roth IRA balance can be used for retirement expenses.


text:
The Samaritan Hospital Board of Trustees Meeting will be held on April 9 at 5:30 p.m. in the Administration Conference Room. The tentative agenda is as follows:
I. Swearing in Board Members
II. 2012 Audit
III. Board officer elections
IV. Consent agenda
A. Minutes from March 12, meeting
B. Quality improvement report
C. Accounts payable
D. Accounts to the attorney
V. Old business
A. Wound clinic construction
B. Parking lot construction
C. McKesson software update
D. Nurse Practitioner at TFHC
E. Medicaid expansion resolution
F. Other old business
VI. New business
A. Financial report for January and February 2013
B. 340B Program
C. Equipment request
D. Other new business


text:
Fanaika and Nolan are going pro! Maybe.
ASU Sports links.
How Michael Crow could have avoided this media disgrace, an argument for Barack Obama receiving the honorary degree, and yet another article questioning the economic recovery surcharge.
ASU news
Q&A about Syracuse in the build up for Syracuse Orange vs. Arizona State Sun Devils on Sunday in Miami in the 2009 NCAA Tournament.
A quick breakdown of how the Sun Devils performed in round 1 of the NCAA Tournament.
Preview of Temple and Arizona State's first round NCAA Tournament game at 3 PM EST on Friday, March 20, 2009.
From my vantage point in the student section, I have a few succinct points to make about our embarrassing 74-64 loss to mediocre Stanford (17-11). First of all, there was no support for the team in...
#21 ASU vs. Stanford basketball preview.
We'll email you a reset link.
If you signed up using a 3rd party account like Facebook or Twitter, please login with it instead.
You must be a member of House of Sparky to participate.
We have our own Community Guidelines at House of Sparky. You should read them.
You must be a member of House of Sparky to participate.
We have our own Community Guidelines at House of Sparky. You should read them.
Choose an available username to complete sign up.
In order to provide our users with a better overall experience, we ask for more information from Facebook when using it to login so that we can learn more about our audience and provide you with the best possible experience. We do not store specific user data and the sharing of it is not required to login with Facebook.


text:
Disclaimer: This scientific independent research is provided by Aisle7 and is for informational use only. GNC provides this information as a service but does not endorse it. Likewise, Aisle7 does not recommend or endorse any specific products.I accept these terms
- Product Images
- Product Videos
MET-Rx® Protein Plus® - Vanilla
32 oz(s)
Price: $39.99
Sale Price: $26.99
Availability: Details
Available Promotions:
- $3.99 Flat Rate Shipping! Details
Auto-Delivery Available
Sign Up & Save! Enroll in Auto-Delivery and lock in your price for 12 months.
Price: $39.99
Sale Price: $26.99
- People Who Buy This Also Bought
TWINLAB® CLEAN SERIES™ Soy Protein -...
QTY: 1.18 lb(s).
Price: $23.99
Sale Price: $15.99
MuscleMeds™ CARNIVOR - Liquid Protein...
QTY: 12 bottles
Price: $39.99
Sale Price: $31.99
Jay Robb™ EGG WHITE PROTEIN-Vanilla
QTY: 12 oz.
Price: $26.99
Sale Price: $22.99
BioNutritional Research Group® Power Crunch® Creme...
QTY: 12 bars
Price: $31.08
Sale Price: $17.91
MuscleMeds™ CARNIVOR- Liquid Protein...
QTY: 12 bottles
Price: $39.99
Sale Price: $31.99
MuscleMeds™ Carnivor - Blue Raspberry
QTY: 2 lb(s).
Price: $49.99
Sale Price: $21.97
MHP® PALEO PROTEIN - Triple Chocolate
QTY: 2 lb(s).
Price: $54.99
Sale Price: $27.97
MHP® PALEO PROTEIN - Vanilla Almond
QTY: 1.92 lb(s).
Price: $54.99
Sale Price: $27.97
Jarrow Formulas® Brown Rice Protein Concentrate
QTY: 504 g
Price: $19.99
Quest Cravings – Peanut Butter Cups
QTY: 12 bar
Price: $37.49
Sale Price: $28.12
BioNutritional Research Group® Power Crunch® -...
QTY: 12 bars
Price: $31.08
Sale Price: $17.91
GNC SuperFoods Soy Protein - Unflavored
QTY: 315 g
Price: $16.99
- You May Also Be Interested In
CytoSport™ Muscle Milk® - Chocolate
Qty: 4.94 lb(s).
Price: $104.99
Sale Price: $53.99Member Price: $52.99
BSN® SYNTHA-6™ - Vanilla Ice Cream
Qty: 5 lb(s).
Price: $96.99
Sale Price: $57.99Member Price: $55.99
- Similar Items
GNC PUREDGE™ Complete Protein - Natural...
QTY: 1.07 lb(s).
Price: $29.99
GNC Pro Performance® AMP Amplified Muscle Meal...
QTY: 10 Packets
Price: $39.99
GNC Pro Performance® AMP Amplified Muscle Meal...
QTY: 10 Packets
Price: $39.99
- More Sizes Available
- Description
Complete Protein Blend to Help Build Lean Muscle
- Low Fat
- 3g L-Glutamine
- Aspartame Free!
- Gluten Free
- Less than ˝ the carbs! (of MET-Rx® Original Meal Replacement)
The food you put into your body can have a big impact on how you look, feel and work out. MET-Rx Protein Plus® was invented to give you the competitive advantage – especially when it comes to quality protein! Each high-protein serving provides better than a 5:1 ratio of protein to carbs to help meet your nutritional goals. Best of all, MET-Rx Protein Plus® contains no added sugar, corn syrup solids, mono- or diglycerides and now is free of aspartame and hydrogenated oils – which means no trans-fats!
The Secret is in the Protein Source!
The renowned MET-Rx® protein formulation consists of METAMYOSYN®, which combines premium whey protein isolates and casein proteins, plus L-Glutamine and naturally occurring Branched Chain Amino Acids – Isoleucine, Leucine and Valine. Studies show that whey is a fast-acting protein while casein is slow-acting, which results in a more prolonged absorption rate to extend the delivery of amino acids to muscles. MET-Rx Protein Plus® gives you a firm nutritional basis to help build lean muscle in a low-fat, great tasting formula.
* These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure, or prevent any disease.
- Supplement Facts
Add one to two (1-2) scoops of powder with 6-16 ounces of cold water or milk and mix thoroughly in a blender. Increase or decrease the amount of liquid to achieve desired consistency. Drink 1-2 servings per day. As a reminder, discuss the supplements and medications you take with your health care providers.
Use MET-Rx Protein Plus® any time of the day including:
Immediately After Exercise: Makes an excellent post-workout shake by providing fast digesting proteins for immediate muscle support plus slow digesting proteins for extended amino acid delivery and recovery.
With Meals: Drink along with your meal to increase the overall protein quality and content. You can also mix into oatmeal or add to recipes such as pancake and waffle mixes.
In Between Meals: Keeps levels of amino acids elevated so your body doesn't go into a catabolic state that may otherwise lead to muscle loss.
Before Bed: The high content of slow-digesting proteins in MET-Rx Protein Plus® makes it a perfect before-bed supplement as it provides "time-released" amino acid delivery to your body.
Serving Size 1 Scoop (28.5 g) Servings Per Container 32 Amount Per Serving % DV Calories 100.00 Calories from Fat 5.00 Cholesterol 5.00 mg 2% Sodium 70.00 mg 3% Total Carbohydrate 2.00 g 1% Protein 23.00 g 46% Phosphorus 296.00 mg 30% Magnesium 24.00 mg 6% Calcium 429.00 mg 30% Total Fat 1.00 g 1% Sugars 1.00 g Potassium 95.00 mg 3% L-Glutamine 1.50 g 0% ** Daily Value (DV) not established
Other Ingredients: METAMYOSYN® Protein Blend (Milk Protein Concentrate, Calcium Sodium Caseinate, Whey Protein Isolate, L-Glutamine, Egg White), Natural and Artificial Flavors, Guar Gum, Cellulose Gum, Xanthan Gum, Sucralose, Soy Lecithin
96% Lactose Free, Aspartame Free, Gluten Free
Storage Instructions: Store in a dry place and avoid excessive heat.
Warning: If you are pregnant, nursing or taking any medications, consult your doctor before use. Discontinue use and consult your doctor if any adverse reactions occur. Not intended for use by persons under the age of 18.
Results may vary. Use in conjunction with an intense daily exercise program and a balanced diet including an adequate caloric intake.
Not a low calorie food. Some sugar naturally occurs in ingredients. See supplement facts panel for sugar and calorie content.
Tamper resistant: do not use if seal under cap is broken or missing.
Manufactured in the USA by: MET-Rx Nutrition Inc., Boca Raton, FL 33487
- Health Notes
Rice ProteinRice ProteinThis nutrient has been used in connection with the following health goals
- Reliable and relatively consistent scientific data showing a substantial health benefit.
- Contradictory, insufficient, or preliminary studies suggesting a health benefit or minimal health benefit.
- For an herb, supported by traditional use but minimal or no scientific evidence. For a supplement, little scientific support.
Our proprietary "Star-Rating" system was developed to help you easily understand the amount of scientific support behind each supplement in relation to a specific health condition. While there is no way to predict whether a vitamin, mineral, or herb will successfully treat or prevent associated health conditions, our unique ratings tell you how well these supplements are understood by the medical community, and whether studies have found them to be effective for other people.
For over a decade, our team has combed through thousands of research articles published in reputable journals. To help you make educated decisions, and to better understand controversial or confusing supplements, our medical experts have digested the science into these three easy-to-follow ratings. We hope this provides you with a helpful resource to make informed decisions towards your health and well-being.
This supplement has been used in connection with the following health conditions:Heart & Circulatory HealthSee Related Concerns (1)CloseAtherosclerosisDose: Refer to label instructionsThough not yet proven in clinical research, animal studies suggest that rice protein-based diets result in less buildup of atherosclerotic plaque compared with animal protein-based diets. (more)Athletic PerformanceDose: Refer to label instructionsSome athletes believe rice protein may also improve blood flow to muscle to enhance growth and repair. However, no research has investigated the effects of rice protein on athletic performance. (more)Weight ManagementSee Related Concerns (1)CloseObesityDose: Refer to label instructionsDieters who are gluten or dairy sensitive and looking to supplement protein might consider rice protein, though its actual benefits for weight loss have not been studied.(more)AtherosclerosisDose: Refer to label instructionsAnimal studies suggest that rice protein-based diets result in less buildup of atherosclerotic plaque compared with animal protein-based diets.1 This effect may be due to mechanisms involving antioxidant function,2 cholesterol metabolism,3 or insulin function.4 Controlled human studies are needed to determine whether consuming rice protein can prevent or treat atherosclerotic disease.References
1. Burris RL, Xie CH, Thampi P, et al. Dietary rice protein isolate attenuates atherosclerosis in apoE-deficient mice by upregulating antioxidant enzymes. Atherosclerosis 2010;212:107-15.
2. Burris RL, Xie CH, Thampi P, et al. Dietary rice protein isolate attenuates atherosclerosis in apoE-deficient mice by upregulating antioxidant enzymes. Atherosclerosis 2010;212:107-15.
3. Yang L, Kadowaki M. Effects of rice proteins from two cultivars, Koshihikari and Shunyo, on hepatic cholesterol secretion by isolated perfused livers of rats fed cholesterol-enriched diets. Ann Nutr Metab 2009;54:283-90.
4. Ronis MJ, Badeaux J, Chen Y, Badger TM. Rice protein isolate improves lipid and glucose homeostasis in rats fed high fat/high cholesterol diets. Exp Biol Med (Maywood) 2010;235:1102-13.Athletic PerformanceDose: Refer to label instructions
Compared with other protein supplements, rice protein has more of the amino acid arginine, and since arginine is a vasodilator that can enhance blood flow to tissues, some athletes believe rice protein may also improve blood flow to muscle to enhance growth and repair. However, no research has investigated the effects of rice protein on athletic performance.ObesityDose: Refer to label instructionsDieters who are gluten or dairy sensitive and looking to supplement protein might consider rice protein, though its actual benefits for weight loss have not been studied.
Rice protein is extracted from rice and used in some protein supplements. Vegetarians may prefer it over protein supplements made from animal sources (such as whey or casein, which are milk proteins). Since rice is rarely involved in food allergies,1 rice protein may also be preferred by people with food allergies, and may be suitable to use in hypoallergenic infant formulas.2 Rice protein is not a complete protein, however, due to insufficient levels of the amino acids lysine and threonine.3, 4 Therefore, these amino acids are often added to rice protein products to correct this imbalance.
Copyright 2014 Aisle7. All rights reserved. Aisle7.com
The information presented in Aisle7 is for informational purposes only. It is based on scientific studies (human, animal, or in vitro), clinical experience, or traditional usage as cited in each article. The results reported may not necessarily occur in all individuals. For many of the conditions discussed, treatment with prescription or over the counter medication is also available. Consult your doctor, practitioner, and/or pharmacist for any health problem and before using any supplements or before making any changes in prescribed medications. Information expires June 2015.
- Label
To view the Label you will need Adobe Acrobat Reader installed. You can download a free copy of the Adobe Acrobat Reader at: http://www.adobe.com/acrobat/readstep.html
- Ratings and Reviews
- Ask A Question


text:
ASHTABULA TOWNSHIP — The house lights go down and the curtain goes up. The opening music of a live pit orchestra begins to sound, and one is suddenly whisked away to the hustle of New York City, circa early 1950s, with Edgewood's spring musical production of "Guys and Dolls."
The cast, crew and pit band have been rehearsing their hearts out, under the management of directors Bill and Mary Ann Kline; musical director Nora Giangola; pit band director, Nila Maurer; and choreographer, Kim Godfrey.
"Guys and Dolls" is set in New York City in the early 1950's and follows the antics of a gang of gamblers and their search for a location for their floating crap game. Furthermore, leader of the group, Nathan Detroit, attempts to hide his "hobby" from his fiancé of 14 years, leading Hot Box dancer, Miss Adelaide. At the same time, high-roller, Sky Masterson, is pursuing a love interest in missionary Sarah Brown.
The four leads, Sky Masterson, Nathan Detroit, Miss Adelaide and Sarah Brown are played by junior Zach Adkins, senior Sam Wyand, senior Emily Stolfer and sophomore Emily Kline, respectively. Moreover, all of these talented actors performed in last year's production of "Thoroughly Modern Millie."
Like "Thoroughly Modern Millie," "Guys and Dolls" will feature a live pit band to accompany popular numbers from the show, including, "Bushel and a Peck," "Luck Be a Lady" and "Sit Down, You're Rockin' the Boat."
The show is set to run the last weekend in February with curtain calls at 8 p.m. on Feb. 26 and 27. There will also be a matinee at 2 p.m. on Saturday. Tickets will be on sale at the door.
"I know that our cast will provide a very entertaining production. The cast and the band have been rehearsing nightly. Costumes and scenery production are under way. It's going to be a fabulous show!" said director Mary Ann Kline.
Next Generation
Get a glimpse of New York in '50s with 'Guys and Dolls' at Edgewood
ASHTABULA TOWNSHIP — The house lights go down and the curtain goes up. The opening music of a live pit orchestra begins to sound, and one is suddenly whisked away to the hustle of New York City, circa early 1950s, with Edgewood's spring musical production of "Guys and Dolls."
- Next Generation
Pymatuning Valley student may be petite, but she has big goals as she prepares mission trip to South Africa
Courage, selflessness, sacrifice: words to define a hero. They define a person who has a certain quality of mind that allows him or her to overcome adversity, a person who is willing to forfeit something valued for something of greater claim. A hero is someone noted for feats of courage and nobility of purpose. At Pymatuning Valley, Ami Turner fits that definition well.
Ss. John & Paul celebrates prom with 'Masquerade' theme
Ss. John and Paul High School was filled with excitement for this year's prom. The dance took place May 15 at Martini's Restaurant.
Graduation on the horizon for seniors, retirement for four Geneva educators
The 2009-2010 school year has been a time of innovation and continuing successes at Geneva High School.
GRA lacrosse team a big hit
This past year has been a year of firsts for Grand River Academy. GRA's first football team in 75 years was launched last fall, students participated in several new academic competitions, lights were added to the tennis courts; and to finish off the year, another GRA sport was created, the hard hitting game of lacrosse.
Crash dramatization gives students a shocking view of what could happen if they make a wrong decision
Broken glass, the smell of blood, pain- induced moans and cries for help. As you approach, you see the results of an automobile accident and see the victims, teen-agers who have just recently left their senior prom. As sirens become louder, you realize the magnitude of the situation and witness such bright futures end early because of one bad decision. This scenario is one that every parent is afraid of on prom night. This is where Officer Tim Blon and the rest of the Jefferson Emergency Services come in to help ease the fears that haunt many parents on the night of prom – a drunk driving car crash simulation for Jefferson Area High School students.
Powder Puff games fun year-end event for Grand Valley
Grand Valley High School seniors are happily counting down to graduation day. Commencement will be held 7 p.m. June 4 in the Grand Valley High School Gymnasium.
As the school year nears an end, Edgewood's calendar is packed with awards ceremonies, class of 2010 graduation
As the school year comes to a conclusion, the final parent teacher conferences are held, prom occurs, the band and choir perform, awards are given and seniors are realizing their achievements.
LEAP growing in popularity as force for promoting a positive atmosphere
Lakeside High School has been busy with balancing education and activities to keep students involved. Lakeside Encouraging Acceptance Promoting Peace, an organization that was formed in December 2009, represents a positive atmosphere at LHS and in the community.
Grand Splendor, trip to Washington is the finale for seniors at SRCA
As the 2009-2010 school year comes to an end, South Ridge Christian Academy is as busy as ever. The next event on the calendar is Grand Splendor.
Vocational school welcomes hundreds of future students, parents at orientation
"Back to school" might seem like a weird statement seeing how we are just about done with the school year, but on April 20 students from across the county turned out at the Ashtabula County Joint Vocational School to look at the facilities and meet with teachers and school officials. People began arriving before the event's official starting time of 6:30 p.m.; more than 500 people attended during the evening.
- More Next Generation Headlines
- Pymatuning Valley student may be petite, but she has big goals as she prepares mission trip to South Africa


text:
Rick Ferri, Contributor
I cover low-cost index fund and ETF investing.
Mutual fund portfolios that hold only index funds have a far greater chance for higher returns than those holding actively-managed funds. The evidence in favor of all index funds, all of the time, is irrefutable, overwhelming and important to all investors.
Most articles on index fund investing compare funds in a single asset class, such as comparing broad U.S. equity funds to the S&P 500. These studies are important, but they don't capture the multiplier effect that is gained by investing in several index funds across multiple asset classes. The odds favoring all index fund portfolios are significantly higher than an individual index fund in any single fund category.
I've written extensively on the benefits of index fund investing over the years. Recently, I wrote three articles that quantify the probability of index funds outperforming actively-managed funds in three separate and distinct asset classes. These categories were intermediate-term municipal bond funds, large cap blend U.S. stocks funds and large cap blend foreign equity funds.
Table 1 summarizes the data from the three articles. Listed are the probabilities that a surviving actively-managed mutual fund beat a comparable Vanguard index fund in each of the three categories, over a five-year period ending June 2012. Please read the individual articles for more information on this comparison methodology and a fund list.
Table 1: The Probability for Selecting a Winning Actively-Managed Fund
Source: Morningstar Morningstar Principia, 5-years ending June 2012
It's important to note that the three studies include only surviving actively-managed funds and the performance does not factor in any sales load that may be charged. Closed and merged funds tend to have poor performance prior to being discontinued, and a sales load will always detract from return. Consequently, had discontinued funds and sales loads been considered, then the probability of selecting a winning active fund in any category would be lower than the summary in Table 1.
I used the data from the three previous articles to form portfolios and compare returns relative to an all index fund portfolio. This study was conducted by forming 10,000 randomly selected balanced portfolios from the three asset classes. Each portfolio held one actively-managed fund from the intermediate-term municipal bond study list, the large cap blend US stock study list and the large cap blend foreign equity study list (see each article for fund lists).
These random portfolios were allocated with 40 percent in municipal bonds, 40 percent in US stocks and 20 percent in foreign equity. This allocation was set on June 30, 2007 and no rebalancing took place over the five-year period.
The annualized five-year returns from all 10,000 portfolios were then compared to an all index fund portfolio that had the same 40-40-20 asset allocation. The index portfolio was composed using five-year returns of the Vanguard Intermediate-Term Tax-Exempt Fund Admiral Shares (ticker: VWIUX), Vanguard Total Total Stock Market Index Admiral Shares (ticker: VTSAX) and Vanguard Total International Stock Index Fund Admiral Shares (ticker: VTIAX).
VWIUX isn't an actual municipal bond index fund. However, I consider it to be more of a municipal bond index fund than any actual municipal bond index fund on the market. There are over 3,600 individual securities held in VWIUX. That's more than 1,500 bonds over the largest municipal bond index fund. In addition, the expense ratio (ER) for VWIUX is only 0.12 percent. That's half that average municipal bond index fund ER.
This article and the hucksters promoting ETFs and index funds are using fallacious logic. The whole idea of a managed fund is that it can shift strategies and thus indexes based on trends and market signals. index funds are a collection of stocks based on an arbitrary (read as "non-intelligent", "non-flexible") characteristic like "its big" or "its medium" or "its small" or "its mixed" or "its foreign" or its "domestic". fact: non of these characteristics are even close to being successful.
the only thing that makes any fund successful is the characteristic of being a "stock fund" and having "lots of stocks(diversified)".
all our managed funds (and we have quite a few) beat the s&p and some have shifted strategy a few times over the years.
there's always a big disclaimer that "past performance does NOT guarantee future returns", but lets face it…its a strong correlation. the past performance is the 3rd major factor of success.
dont buy the hucksters' claims that indexes are best. After you move your money into index funds, next thing a new book promoter will tell you is "2/3 of index funds perform worse than index funds from the state of montana. (yes i recently actually saw an article promoting a state's index funds!!) then you will be "DARN, why am i always a step behind!?"
Hey Rick, I enjoyed the article. However, I need some clarification on why you used the VTSAX, which is a total stock market index including micro-, small-, mid-, and large-cap stocks index to compare to Large Cap Blend funds. Why not use a Large Cap Index? How is this an apples-to-apples comparison?
Thanks for carrying the banner on this important topic. I think you misunderstood Russell's comment from a few weeks ago. Since you are using an all-cap fund (VTSAX) as your proxy for the stock market but then comparing that fund to randomly selected Large Cap funds, you are indeed comparing apples-to-oranges.
I agree with you that the VTSAX is the market but you are not comparing it to the market. You are comparing it to one segment (Large-Caps) which makes your entire argument lose its credibility. I think your case would be much stronger if you either (a) replaced the VTSAX with a large-cap index fund or (b) randomly selected all-cap actively managed funds rather than large-cap funds. Either would be a more appropriate comparison and many of us who read this would like to see the results as we are already totally in your camp. Keep up the good work.
Thanks for a fascinating analysis. One question, though: should the analysis not just include the chances of the passive approach beating the active approach, but also the resulting payoff ?
In Decision Theory, the optimal choice is decided not just by the probability of getting a specific outcome, but also the size of the resulting payout. (Am sure you know all this but for others…a 20 per cent chance of getting $50 is a better decision than going with a 50 per cent chance of winning $5, even tho the probability is lower (because the expected values are $10 versus $2.50).
So if you've only got a 20 per cent chance of picking an active fund, but that fund performs 15 per cent better than the market, that's a better decision than going with a passive approach with an 80 per cent chance of performing 3 per cent better than the market, isn't it ?
Sorry if I'm being a dumb ass here. Wouldn't be the first time….


text:
SAN FRANCISCO — The California Supreme Court appeared inclined Tuesday to uphold municipal bans against medical marijuana dispensaries.
Meeting for oral arguments, the state high court considered the legality of a ban on dispensaries by the city of Riverside. Several justices noted that the state Constitution gives cities wide policing power over land use and suggested that the state's medical marijuana laws have not undercut that authority.


text:
State Rep. Tom McMillin has announced upcoming in-district office hours for the month of January.
The lawmaker will be at the Older Person's Commission in Rochester from 9 to 10 a.m. to meet with residents and discuss state and local issues of interest. The Older Person's Commission is located at 650 Letica Drive in Rochester
No appointments are necessary to meet with McMillin, R-Rochester Hills. Residents unable to join him on Jan. 21 can contact him with questions or concerns by emailing email@example.com by calling (517) 373-1773.


text:
Some business-book authors hire a marketing firm that purchases books ahead of the publication date, creating a spike in sales that helps titles be able to claim best-seller status.
Via CM Elias
You are the content you publish.
Sign up with Facebook Sign up with Twitter
I don't have a Facebook or a Twitter account
Start a free trial of Scoop.it Business


text:
August 1, 2014
Posted: Friday, April 30, 2010 --- 4:33 a.m.
In our family first this morning, two local high schools are using pink to turn their rivalry into a way to give back.
Madison Edgewood and Madison LaFollette baseball teams sold pink t-shirts to raise money for Gilda's Club ...
And they're including pink in their baseball hats to promote the cause.
It's the first time these young athletes have used their sport to fund raise and they're having fun doing it.
" You don't really see guys too much in all pink so I guess it definitely got people's attention which is what we're trying to do at this point so it's been nice. "
"We're lucky enough to play this game but we can help out those people who aren't as fortunate as us and it's a great way for young kids to get involved in sports and help out. "
So at the big game on Saturday, Cindy Alvarez will throw out the Honorary first pitch...
And anyone who wears a Pink Out shirt gets a free raffle tickets.
The game is Saturday, at 3 at Bishop O Connor Centers Baseball Field.
You can buy the t-shirts at LaFollette High School and Edgewood High School.


text:
Monroe County Fair Parade participants from various schools, churches, 4-H clubs and other organizations were "Livin' the Dream in 2013" as they made their way up Monroe St. horns blaring, banners showing their colors and arms waving to the crowds that lined the street to take in the event.
More like this story
[ report these comments ]
Comments are welcome, but require a Facebook login. Please be considerate of our rules when posting a comment. We do not allow swearing, name calling, slander or advertisements. We operate under a zero tolerance policy; If a rule is broken once, you will no longer be able to leave a comment. To see a complete list of rules that apply to commenting, see our Terms of Service If you see a user breaking the rules, use the "report these comments" link.


text:
Loews New Orleans Girlfriends Getaway
- Loews New Orleans Girlfriends Getaway
Ditch the boys and get ready for a weekend of girls-only fun in New Orleans
Grab your best gal pals and head for the Big Easy, where up to four fabulous friends can spend two nights in a luxurious Grand guestroom at a phenomenal savings.
Book the "Girlfriends Getaway" Package now and you'll receive:
- A two-night stay in a Grand Double Queen Guestroom for up to four (the largest in the City at 532 square feet)
- Complimentary Valet Parking.
- Complimentary welcome cocktail at the Swizzle Stick Bar.
- A fun boa for each friend.
- $40 gift card to share at Pat O'Brien's Bar in the French Quarter.
- $20 gift card to share at Cafe du Monde at Jackson Square.
- 10% discount at Balance Spa at the Loews Hotel.
- Shopping brochure with discounts at our favorite stores on Magazine Street.
- Late Checkout (2pm)
Package is designed for four in a room. Additional guest rooms available at Loews Best Rate. Not combinable with any other offer.


text:
Whether it's college or pro sports, much is planned for western Wake County this year.
Carolina RailHawks: The Carolina RailHawks' eighth season will begin April 12, with the first North American Soccer League home match on April 19. The NASL will not compete with the Wold Cup this year, which means its split-season format is more quirky than before.
The spring season will have just nine games, with all 10 teams playing each other once. The RailHawks were on the short end of the deal, one of five teams that must play four at home and five on the road. The spring season will end June 7, with the winner earning the right to host the NASL Soccer Bowl following the fall season, which will be 18 games and end in November.
Carolina is unbeaten in its last 16 home matches.
In addition to potential U.S. Open Cup matches, the RailHawks plan to host an exhibition match against first-division Mexican team Puebla FC. Puebla was scheduled to visit WakeMed Soccer Park last year, but a volcanic eruption canceled the team's flight.
The RailHawks have not made many personnel announcements for next year, but fan favorite Tiyi Shipalane is among those who have been re-signed.
NCAA championship: The town of Cary was awarded six future NCAA national championships with one slated for this year: the 2014 Men's Soccer College Cup at WakeMed Soccer Park.
Cary will also host the 2015 Women's Soccer College Cup, the Division II Baseball championships at USA Baseball National Training Complex from 2016-18 and the 2017 Division III Men's and Women's Tennis at Cary Tennis Park.
Cary Invasion: The minor league basketball team returns for its fourth season with familiar faces on the roster and a much longer season to see them. The Invasion are 35-6 in three seasons with one championship and two runner-up finishes.
This year, the Tobacco Road Basketball League will have games starting with the season finale in late May. Last year's season went from March to June.
The Invasion are also holding a pre-game kids camp for ages 5-8 before six of the home games this year, including the home contest on Jan. 18. All games are at the Herb C. Young Center in downtown Cary.


text:
By Jay Landers
A new report anticipates significant growth in U.S. exports during the next decade—a finding that has sparked calls for increased spending on infrastructure.
March 13, 2012—A report issued by the U.S. Conference of Mayors (USCM) in late February—U.S. Metro Economies: Exports in the Next Decade—estimates that exports will account for 39.7 percent of real, inflation-adjusted growth in the nation's gross domestic product (GDP) during the next decade. By comparison, exports totaled just 26.5 percent of GDP growth during the previous decade, according to the report, which was prepared by IHS Global Insight, of Englewood, Colorado. Among the factors contributing to the growth of exports is a weaker dollar, which makes U.S. goods relatively cheaper abroad and imports more expensive at home. Another factor is the growing presence of foreign companies setting up operations in the United States to mitigate currency risk, reduce transportation costs, and improve relations with U.S. customers, according to the report. Meanwhile, many international markets are growing more quickly than the United States, offering a boon for U.S. exporters. The report focuses on metropolitan areas, in particular, as they play a leading role in the export trade and are home to the nation's larger ports. For example, metropolitan areas account for 88 percent of U.S. exports, half of which originate within the nation's 20 largest metropolitan areas, according to the report. Against this backdrop, the report calls on officials to take steps to facilitate economic growth within metropolitan areas. "The U.S. export industry would be devastated without continued development of the nation's metro areas," the report states. Ultimately, the economic fate of metropolitan areas goes a long way toward determining the economic fate of the nation as a whole, the report noted. "Policy makers need to be aware that the maintenance and development of metro economies' continued ability to generate the economic activity derived from exports is essential for the nation to prosper," the report says. Freight transportation offers a means by which targeted infrastructure spending can help boost exports, the report noted. "To meet the needs of efficient freight transportation, infrastructure spending should go where additional investment reduces export costs and inefficiencies," the report states. Reacting to the report, members of the USCM stressed the important role that infrastructure plays in creating jobs and facilitating economic growth. "If you're serious about creating jobs, you have to be serious about expanding exports," said Antonio Villaraigosa, the USCM president and the mayor of the City of Los Angeles, in a February 24 news release issued by the USCM. "Ninety-five percent of the world's consumers are outside the United States," Villaraigosa said. "To help businesses get their products from cities across the United States to markets around the world, we need to invest in our roads, bridges, ports, and rail systems." This point was emphasized further by Alvin Brown, the mayor of Jacksonville, Florida. "In an increasingly globalized economy, it is vital that the U.S. is able to take advantage of the economic opportunities opening up around the world," Brown said in the USCM's release. "To do so, we must get moving on improving and expanding our roads and railways and modernizing our ports, all of which are in need of immediate attention," he said. In fact, many ports along the Atlantic and Gulf Coasts, in particular, have begun expanding in recent years in order to accommodate an expected increase in larger vessels following completion of the Panama Canal expansion in 2014 (see "Ports Plan for New Vessels."). "The report's findings underscore the direct correlation between exports, job creation, and infrastructure investment," said Leslie Blakey, the executive director of the Coalition for America's Gateways and Trade Corridors, in a March 6 news release. With headquarters in Washington, D.C., the coalition works to increase federal spending on the nation's intermodal freight infrastructure. "Our national goods movement system is vital to moving the nation's commerce and growing our export economy," Blakey said. "America needs a safe, efficient, reliable multimodal supply chain to continue stoking the engine of commerce and supporting jobs growth," she said.


text:
Kudos to whoever hired the camp hosts (Mary and Rich) for Ottumwa Park. They made us feel welcome from the moment we pulled in.
You can tell they are very hard workers and take pride in what they do. The entire park was very clean, and the showers stayed clean even with the wet weekend. They made camp checks throughout the weekend, which made you feel comfortable. This is a clean, family environment.
Thank you, Mary and Rich, for fun, even in the rain.
Gary and Terri Bergman


text:
Here's a look at a key matchup heading into Sunday's Week 12 battle between the Eagles and Bears:
Eagles DE Trent Cole vs. Bears OLT Frank Omiyale
It has held up fairly well in recent weeks, but the Bears' offensive line is still a weakness other teams look to exploit. Dolphins OLB Cameron Wake had success rushing from a stand-up position off the edge against Chicago last week, and Eagles defensive coordinator Sean McDermott has a well-balanced weapon in DE Trent Cole, who is adept at defending the run and rushing the passer.
Cole will be battling OLT Frank Omiyale most of the game. Omiyale is serviceable and moves his feet well, but he'll get caught leaning forward and will lose leverage at times, putting QB Jay Cutler in danger. McDermott has a "Joker" package in which the speedy Cole rushes from a stand-up position, and he could be more likely to use it against the Bears if he likes what he sees from Wake when he watches the tape from Week 11.
It would be no surprise if the Eagles blitz frequently, so Omiyale could be sorting through heavy traffic at the snap. Offensive coordinator Mike Martz will likely have to call for Cutler to make short drops and get rid of the ball quickly.


text:
Browsing Tag
Supurbia Gossip
Supurbia Gossip: Twilight is gay, and no one Cares!
Gio Taviani, aka Agent Twilight, recently "came out" as a homosexual in the pages of Grace Randolph's Supurbia. The thing about it though, is ...
Read More
Supurbia Gossip: Batu Mother of the Year
Batu from Supurbia is a lock for at least one Mother of the Year award, only it will likely be for worst, not best. What makes her such a bad ...
Read More
Supurbia Gossip: Three Sides of a Love Triangle
When a love triangle rears its scandalous head, we sometimes pick favorites and root for, or "ship" as it's often called, one couple or ...
Read More


text:
San Francisco 49ers
Chad Hall - #14 - WR
|5' 8"/ 187 lbs.
|Atlanta, GA
|Air Force
|Years played
Five coaches unlikely to return in '11
PFW publisher/editor Hub Arkush just doesn't get Jack Del Rio, Eric Mangini, Tom Cable or Mike Singletary, but he admires Wade Phillips. However, Arkush doesn't see any of these five NFL head coaches returning to their teams ...
Raye: 'I was carrying out the head coach's wishes'
Jimmy Raye said on Tuesday that his firing as the 49ers' offensive coordinator came as a surprise and that he was "carrying out the head coach's wishes."
Niners' coordinator change can only help struggling offense
A horrible start for the 49ers was enough to do in offensive coordinator Jimmy Raye, who was fired on Monday. Fantasy owners of San Francisco players have reason to smile.
49ers' coordinator carousel keeps on spinning
The firing of offensive coordinator Jimmy Raye is the latest out-of-nowhere plot twist in the 49ers' season-long soap opera.
49ers fire OC Raye; promote Johnson
The 49ers have fired offensive coordinator Jimmy Raye after an embarrassing loss, replacing him with QB coach Mike Johnson.
Cassel throws 3 TD passes, Chiefs beat 49ers 31-10
Matt Cassel's three touchdown passes included a trick play that caught San Francisco completely flat-footed and the surprising Kansas City Chiefs remained unbeaten Sunday with a 31-10 rout of the hapless, winless 49ers.
49ers could stick with Baas at center
Despite David Baas' early errant snap that led to a safety in the Week Two loss to the Saints, we hear the 49ers are seriously thinking about sticking with him as their starting center.
Saints' defense shines in win over 49ers
Garrett Hartley kicked a 37-yard field goal that barely fluttered through as time expired after Drew Brees set it up with a 30-yard completion to Marques Colston, and the Saints spoiled the San Francisco 49ers' home opener with a 25-22 ...
Monday-night game inactives
The following players are inactive for the Monday night game between the Saints and 49ers.
Drama kings
For better or worse, the 49ers appear destined for a season full of over-the-top ups and downs following the second-worst season-opening loss in franchise history.
Ginn injury further weakens 49ers' kick-return game
A knee injury to Ted Ginn Jr. and the continuing rehab by rookie Kyle Williams have left San Francisco's kick-return unit as problematic as it was last season, according to NFC West Whispers.
Saturday injury report for Saints-Niners
Here is the injury report for the Week Two Monday-night game, New Orleans at San Francisco, showing the status of each injured player and to what degree each participated in his team's practices.
49ers' first-rounders earn mixed reviews
At least 49ers first-round ORT Anthony Davis earned his keep in the team's abysmal Week One loss in Seattle — the second-worst season-opening loss in franchise history.
49ers WR Ginn to miss at least two weeks
49ers WR Ted Ginn Jr. sprained his MCL in the team's season-opening loss to the Seahawks last Sunday and will likely be out at least two weeks.
Owners have reason to worry about 49ers' attack
Although most people picked the 49ers to win the NFC West based on their strong defense, their offense was expected to be much improved in 2010. But after the unit's Week One performance, there's reason to panic in ...
The San Francisco 49ers have promoted Hall from the practice squad to the active roster.||||||| The team announced the move on Saturday, the day before playing the NFC championship game at Atlanta. Hall takes the place of kicker Billy Cundiff on the 53-man roster. Cundiff was released Friday.
With the Eagles starters resting for the playoffs, Hall had six catches for 84 yards and scored his first NFL touchdown in a 14-13 loss to Dallas.||||||| The rookie from Air Force previously had five receptions for 31 yards this season.


text:
MANATEE -- Officials have expressed doubts about applying for a $30,000 grant designed to open Manatee County school playgrounds to the public outside of regular school hours.
The KaBOOM! grant, which calls for a 50 percent local match, is designed to encourage joint-use agreements between Manatee County and its school board, setting forth terms for shared use of public property, county documents said.
It would require opening at least eight playgrounds outside of regular school hours that are not open to the public now, due to legal or management issues, documents said.
The idea is to open playgrounds for unstructured play for the health and benefit of residents, officials said Tuesday at a Council of Governments meeting at the Manatee County Public Safety Center.
However, both county commissioners and school board members were concerned about a grant requirement to open the playgrounds for no less than five years.
They wanted the freedom to close them should problems develop, or if the playgrounds are needed for some other use.
They were also concerned about a requirement to recognize KaBOOM! Let's Play, and the Dr Pepper Snapple Group, a maker of flavored beverages and soft drinks, as part of the grant agreement.
Noting the soft drink company might oppose anti-obesity efforts, school board Chairwoman Karen Carpenter said, "The KaBOOM! grant might not be such a good idea."
In 2011, as part of Let's Play, Dr. Pepper Snapple Group made a $15 million, three-year commitment to KaBOOM!, a nonprofit organization meant to ensure there is a place to play within walking distance of every child.
The county could accomplish the same results without the grant or its agree
ment restrictions, said Mike Pendley, a school district planner.
Officials asked him to report back on the subject.
County Commissioner Michael Gallen noted that in his district, school playgrounds historically have served as community green spaces and are especially important in urbanized areas.
"It's paramount we do work through this," he said.
Sara Kennedy, Herald reporter, can be reached at 941-745-7031. Follow her on Twitter @sarawrites.com.


text:
^^ Yeah, but however, don't you think had AshleyW continued with her early season brilliance and not had the rough patch at GPF (a couple of fluke falls) and at U.S. Nats (loss of training time due to hip pointer and food poisoning combined with nerves, resulting in a couple of fluke falls), that she might be heading into Worlds being considered more of a threat for the podium? Also, especially had she worked up to landing a clean 3/3 at a late season comp prior to Worlds? OTOH, maybe it's a good thing if Ash is right now being considered more of an underdog.
Oh, the constantly rising, receding, rumbling and fluctuating tides of figure skating. Debate and speculation will never cease, and I guess that's as it should be.
BTW, I was just looking at the recent performance of another Ashley; Cain to be exact. She really is so lovely to watch on the ice. Too bad there doesn't seem to be a tall partner around so she might continue to pursue pairs. AshleyC had such a gorgeous lp skate going at the recent U.S. Nats, but she suffered a couple of falls which kept her down in the standings. Since her mother is a former Canadian ice dancer, and her Dad hails from Australia, I wonder if AshleyC might at all be considering the possibility of making an attempt to skate for either Canada or Australia in singles. It might give her more of an opportunity to compete at Worlds, especially in light of the packed standings and limited spots available in the U.S. ladies ranks at the moment.
Re Carolina Kostner, thanks for the info, olympic. I was looking at Caro's Euros lp yesterday. I'm impressed by the way she's improved her technique and consistency on her jumps. Most likely, partly as a result of winning Worlds and having such a great season last year, her confidence and maturity are very palpable right now. I wonder why Caro was briefly considering retirement? Hunger is definitely necessary to go the long haul for Sochi.
However much I admire Yu Na, Caro, and Mao, I kinda wish to see some unexpected results at Worlds.


text:
Furniture Insurance available:
3 Year Protection £35.00
Rattan 4-Piece Sofa Set
- In Stock
25 reviews
- Delivery
Outdoor relaxation and entertaining will be a pleasure with this Rattan 4 Piece Sofa Set.
This stylish set features a table, 2 chairs and a sofa that's perfect for relaxing and soaking up the sunshine in the beautiful surroundings of your garden.
It has all the charm of natural rattan, yet is weather proof and easy to wipe clean - so tidying up after a day of outdoor fun will be simple.
Useful info:
- Rattan 4-piece sofa set
- Includes chairs, sofa and table
- Weather proof and wipes clean
- Table dimensions: H 38, W 80, D 45 cm
- Sofa dimensions: H 75, W 113, D 55 cm
- Chair dimensions: H 75, W 63, D 55 cm
This brilliant Outdoor Chill Chair is the perfect way to relax and enjoy your green spaces.
The water resistant design ensures it can easily deal with the unpredictable British weather, with a bean filled style that means you can really chill out when the sun starts to shine.
It comes in a range of colours so you can add a bright pop to your garden, or go classic with the black hue. This bean bag chair is also a brilliant way to add extra seating to your garden when you're entertaining guests.
Useful info:
- Bean filled
- Water resistant
- Polyester material
- Wipe clean only
- Size: 6 cubic feet
- Outdoor Chill Chair
Furniture Insurance available:
3 Year Protection £47.00
Amalfi 5-Piece Rattan Dining Set
- In Stock
4 reviews
- Delivery
Extend your lounge into the great outdoors with this stylish Amalfi rattan 5piece garden furniture set.
Made of weatherproof poly rattan this outdoor furniture set is comfortable, hard wearing and practical – ideal for the garden or a conservatory.
The table is perfect for relaxing around with family and friends in the warmth and colour of your garden. The poly rattan is fully showerproof and can be left outside all year round – though you may be keen to show it off inside during the winter.
The comfy chairs also come with cushions. Any dust or dirt can be easily wiped off and the rattan is UV light resistant to protect the colour from fading in sunlight.
The table top is made of 5mm black tempered glass for extra safety.
Useful info:
- Table: 1.05m diameter
- 5mm thick black tempered glass
- Chairs: 61 x 59 x 87 cm
- Weatherproof poly rattan
- Amalfi rattan 5-piece dining set
- Black rattan dining set with 4 cushioned chairs
Provence 8 Piece Padded Dining Set
- In Stock
2 reviews
- Delivery
This beautiful Provence 8 Piece Padded Dining Set ensures you can enjoy plenty of al fresco dining.
It features 6 chairs, each with attractive striped cushions to keep you extra comfortable as you enjoy the sunshine. The chairs also have a stackable design, meaning you can easily store them in the garage and bring them out when you're entertaining guests.
The table has a stylish patterned table top, with a parasol that boasts a crank and tilt function to give you relief from the sun during those lazy, hot summer days.
This set boasts power coated frames that can deal with any sudden showers, along with polyester cushions to make them easy to care for.
The parasol should not be left open during windy conditions and winter storage is also recommended to keep this stylish dining set looking its best.
Useful info:
- 6 stacking cushion chairs
- Table with patterned top
- Table: L 150, W 90, H 71 cm
- Chairs: L 59.5, W 58, H 92 cm
- Chair seat: Width 48 cm
- Cushion thickness: 8 cm
- Approx parasol diameter: 2.7 m
- Suitable for outdoor use
- Frame: Dark grey
- Parasol: Dark grey
- Cushions: Pale grey and French cream striped
- Provence 8 Piece Padded Outdoor Dining Set GSET1502
Orbit Relaxer Sun Lounger
- In Stock
16 reviews
- Delivery
Orbit Relaxer rocking garden chair
So much more than a sun lounger, the Orbit Relaxer gives you the freedom to recline, relax, rock and rotate!
The pioneering design utilises a high strength, lightweight aluminium frame with comfortable textilene fabric and a padded headrest to offer outstanding comfort.
Not only is the recliner stylish, easy to maintain and highly supportive, offering comfort in any position, but it is also easily folded away for quick storage once you've finished relaxing in the sun.
The unique frame harnesses the tension created by the user's weight for added support when in use but folds away in seconds when not.
The Orbit Relaxer garden chair adds style to your outdoor spaces, as well as offering an incredibly comfortable way to catch a few rays.
Useful info:
- H 90, W 80, Lgth 150 cm
- Some assembly required
- Aluminium frame with textilene
- Orbit Relaxer rocking garden chair
Furniture Insurance available:
3 Year Protection £37.00
Ventura 5 Piece is a beautiful dining set in mixed brown finish will compliment any garden. It is made from polyrattan hand woven onto a sturdy frame. The generous 110 cm table is suitable for alfresco dining. The grey cushions compliment the mixed brown and add that little bit of luxury. Winter storage recommended. Assembly required.
Make the most of your outdoor spaces with this Versailles 8 Piece Textiline Dining Set.
It comes with 4 stackable sling chairs to ensure you'll have plenty of seating when you're entertaining, along with 2 footstools so you can put your feet up and enjoy the sunshine.
The round table has an attractive waterwave, clear glass top and means you can sip on a cool drink when you're relaxing in your garden. It also has a weather resistant design that can handle the unpredictable British weather.
This set comes with a 2 metre parasol with tilt crank to provide shade from the midday sun, keeping you comfortable all day long.
Useful info:
- 2 footstools
- 4 stackable sling chairs
- Round table with waterwave clear glass
- Easy to clean and weather resistant
- Parasol includes rank with tilt to provide shade
- Chair: 93 x 58 x 75 cm
- Table diameter: 90 x 70 cm
- Stool: 34 x 46 x 48 cm
- Parasol diameter: 2 metres
- Versailles 8 Piece Textiline Dining Set
Warning: A suitable weighted parasol base should always be used to secure the Parasol during use. See suitable bases: KB076 and 22FW4.Colour: White.
Shanghai Parasol - Black
- In Stock
4 reviews
- Delivery
This Shanghai Parasol gives you some much needed shade on those hot summer days.
The large 2.7 metre canopy is perfect for cooling off when you're relaxing in your garden, with a PA shower resistant coating to ensure it can handle a sudden changes in weather.
The crank and tilt function allows you to adjust it as the sun moves across the sky, with a smart black design and fibre glass ribs to create an attractive shape.
The base is available separately, see item number 22FW4.
Useful info:
- 2.7 metre 180g polyester canopy
- PA shower resistant coating
- Features 24 x 5 mm fibreglass ribs
- Crank and tilt function
- Base sold separately
- Shanghai Parasol - Black
Furniture Insurance available:
3 Year Protection £60.00
Armadale 8-Piece Dining Set
- In Stock
10 reviews
- Delivery
Dine in style and make the most of your outdoor space with the beautiful Armadale 8-piece dining set.
This gorgeous garden furniture set features 6 stacking cushion chairs in a beautiful coordinating pattern, a smoked glass table and a square market parasol.
The square market parasol with a crank and tilt function will give you relief from the sun during the hottest part of the day.
The Armadale garden dining set features powder-coated frames and seating made from outdoor polyester fabric – the chairs even stack for easy storage.Warning: A suitable weighted parasol base should always be used to secure the Parasol during use. See suitable bases: KB076 and 22FW4.
Useful info:
- 8-piece garden table and chairs set
- Table: 74 x 102 x 168 cm
- Chair: 93 x 60 x 79 cm
- Parasol diameter: 183 x 231 cm
- Suitable for outdoor use
- Armadale 8-piece Garden Furniture Set
This beautiful ornate design of this Sorrento 2-seater steel bench will blend perfectly with your garden.
It gives you a wonderful vantage point to enjoy your outdoor spaces from.Two layers of powder-coating in antique bronze and a bench cushion also make this bench an ideal addition to any garden.
Useful info:
- Antique bronze powder coating
- Beautiful ornate design
- Easy assembly
- Dimensions: H 87, W 108, D 58.5 cm
- Sorrento 2-Seater Steel Bench
This Parasol Base has an gorgeous rose pattern that will blend perfectly with your outdoor space.
The cast iron base is extra sturdy, with a gorgeous cut out rose design for an elegant look. The metal tube with plastic adaptor has a matching hue and ensures your parasol stays upright (sold separately, see item number VJSQR).
Useful info:
- Cast iron floral design base
- Weight: 9.5 kg
- Plastic adaptor for 40 m base parasol poles
- Metal tube diameter: 54 x 25 mm
- Assembled height: 38 cm
- Parasol Base with Floral Design
Paris Square Table and 2 Chairs
- In Stock
10 reviews
- Delivery
Relax, put your feet up and enjoy plenty of time outdoors with this Paris Square Table and 2 Chairs.
It comes with a steel poly rattan table that can easily cope with the changeable British weather, while the seat and back cushions ensure you can enjoy al fresco dining on complete comfort.
The table boasts a black printed glass top that's easy to wipe down. The chairs can also slot into the table to ensure this set won't take up lots of space when you've finished relaxing.
Useful info:
- 3 piece set
- Steel ploy rattan table
- 5 mm black printed glass top
- 2 steel ploy rattan chairs
- Polyester FR cream seat and back cushions
- Chairs slot inside the table
- Chair with 4 cm polyester cushion: W 47, D 49, H 67 cm
- Table: L, 55, W 55, H 70 cm
- Paris Square Table and 2 Chairs


text:
Journal Sentinel TV and film critic Duane Dudek looks at life on the small and big screen, and some of the cool stuff on both.
Metallica member in Milwaukee Sept. 26 to promote band documentary
Kirk Hammett, lead guitarist and songwriter with the band Metallica, will be attending a showing of the documentary concert film "Metallica Through the Never" at 10 p.m. Thursday at the AMC Mayfair.
The film, by "Kontroll" director Nimrod Antal, is being shown in IMAX 3-D.
The film recently premiered at the Toronto International Film Festival. A press release calls it a "music-driven, 3-D motion picture event." A fictional template about a roadie interacting with the band in concert was co-written by Antal and the band members.
According to publicity for the film, Antal "immerses audiences in a bracing, raw and visceral cinematic experience with spectacular live performance footage of Metallica's most iconic songs - created exclusively for the film - combined with a bold, narrative story featuring imagery drawn from the band's trailblazing iconography.
"The film features dazzling pyrotechnics, the most elaborate live-performance stage ever built and state-of-the-art 3-D photography, captured using up to 24 cameras simultaneously."
Watch the trailer below:
A previous version of this story incorrectly stated that the screening was Friday.
Tags: Metallica : AMC Mayfair Mall : Metallica Through the Never
Permalink | Email This Blog
- You can log in to this system either through Facebook or using your JSOnline public profile. JSOnline public profile. Please note that your public profile login will be different than your JS Everywhere login.
- You can personalize your public profile with a photo. You can also use that profile to sign up for email newsletters and alerts.
- While we strive for a lively and vigorous debate of the issues, we do not tolerate name calling, foul language or other inappropriate behavior. Please see our discussion guidelines and terms of use for more information.
- While we do our best to moderate comments, we do not screen comments before they are posted. If you see a comment that violates our guidelines, please use the "Report Abuse" link to notify us of the issue.
- We reserve the right to close commenting on specific stories.
Hammett is the lead guitarist, yes, but the primary songwriters are singer/rhythm guitarist James Hetfield and drummer Lars Ulrich. Hammett contributes occasionally to the overall structure of a song, but of course writes his own solos.


text:
Apparel Reviews
Whether you live in the extreme cold or are a winter hipster, these jackets have your name written all over them.
Run your ass off without breaking any fashion rules by sporting these shorts from Champion.
Just because you're a sweaty mess doesn't mean you can't look good. Case in point: This polo from Champion.
Every time another pair of stylish shorts is designed, mankind takes a tiny step away from oblivion.
If you think Clarks shoes are lame, think again. This 200-year-old company's winter lineup will surprise you.
This leather jacket will take you from winter to spring in style, and you'll be able to wear it for years to come.
From Jason Schwartzman to Justin Timberlake, the boys of Tinseltown make looking like a schlub fashionable. Here's a starting point.
Hurry and grab yourself a pair of these great CNC jeans before the skinny-fit trend goes out of style.
Impress her this summer with shoes that are as refined and laid-back as you are.
Gentlemen, meet the new Converse - courtesy of John Varvatos.
They've gone in and out of style several times, but Chuck Taylor All-Stars have never lost their cool factor.
Sure, they're classic, but how much can you really expect from Converse?
Great for guys on the go, these Cosa Nostra trousers will keep your fall style up-to-date.


text:
July 31, 2014
February 27, 2013
Albemarle County Supervisor Duane Snow will run for a second term on the board.
In his announcement Wednesday morning, Snow cited his efforts in maintaining county budget, while working to preserve the rural landscape of the county.
"I am dedicated to preserving Albemarle's charm and history, but I also know it's important to plan for the future and continue the positive growth in our community."
Snow says he wants to continue with his commitment to work with the other board members to ensure the financial strength of the county.


text:
Skip to content. |
Skip to navigation
Did you not find what you were looking for? Try the
Advanced Search
to refine your search.
Subscribe to an always-updated RSS feed.
Jim Stiles mourns the death of a good friend, a man who
loved Moab, Utah, for its diversity.
Sharon Levy's friends, Kerby and Irene, lived off the grid in Northern California and taught her a lot about life.
The West in your Inbox