text:
Track using Order ID
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- Track individual Orders
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- Conveniently review products and sellers
What is the estimated delivery time?
Sellers generally procure and ship the items within the time specified on the product page. Business days exclude public holidays and Sundays.
Estimated delivery time depends on the following factors:
Why does the delivery date not correspond to the delivery timeline of X-Y business days?
Why does the delivery date not correspond to the delivery timeline of X-Y business days?
It is possible that the Seller or our courier partners observe a holiday between the day you placed your order and the date of delivery, which is based on the timelines shown on the product page. In this case, we add a day to the estimated date. Some courier partners and Sellers do not work on Sundays and this is factored in to the delivery dates.
What do the different tags like "In Stock", "Available" mean?
What do the different tags like "In Stock", "Available" mean?
'In Stock'
For items listed as "In Stock", Sellers will mention the delivery time based on your location pincode (usually 2-3 business days, 4-5 business days or 4-6 business days in areas where standard courier service is available). For other areas, orders will be sent by Registered Post through the Indian Postal Service which may take 1-2 weeks depending on the location.
The Seller might not have the item in stock but can procure it when an order is placed. The delivery time will depend on the estimated procurement time and the estimated shipping time to your location.
'Preorder' or 'Forthcoming'
Such items are expected to be released soon and can be pre-booked for you. The item will be shipped to you on the day of it's official release launch and will reach you in 2 to 6 business days. The Preorder duration varies from item to item. Once known, release time and date is mentioned. (Eg. 5th May, August 3rd week)
'Out of Stock'
Currently, the item is not available for sale. Use the 'Notify Me' feature to know once it is available for purchase.
Sometimes, items have to be sourced by Sellers from outside India. These items are mentioned as 'Imported' on the product page and can take at least 10 days or more to be delivered to you.
'Back In Stock Soon'
The item is popular and is sold out. You can however 'book' an order for the product and it will be shipped according to the timelines mentioned by the Seller.
'Temporarily Unavailable'
The product is currently out of stock and is not available for purchase. The product could to be in stock soon. Use the 'Notify Me' feature to know when it is available for purchase.
'Permanently Discontinued'
This product is no longer available because it is obsolete and/or its production has been discontinued.
'Out of Print'
This product is not available because it is no longer published and has been permanently discontinued.
Why does the estimated delivery time vary for each seller?
Why does the estimated delivery time vary for each seller?
You have probably noticed varying estimated delivery times for Sellers of the product you are interested in. Delivery times are influenced by product availability, geographic location of the Seller, your shipping destination and the courier partner's time-to-deliver to your location.
Please enter your default pin code on the product page (you don't have to enter it every single time) to know more accurate delivery times on the product page itself.
More answers in our Shipping FAQs »
|Type Accepted
|30 days from delivery
|Damaged, Defective, Item not as described
|Type Accepted
|30 days from delivery
|Exchange for colors and size, Does not fit
|Type Accepted
|10 days from delivery
|Exchange for colors and size, Does not fit
|Type Accepted
|10 days from delivery
|Damaged, Defective, Item not as described
Buy with confidence when you see the 'Flipkart Advantage' badge. Products tagged with the Flipkart Advantage badge are quality checked, stocked and shipped by Flipkart. They are also backed by our Friendly Returns Policy, which allows for 30 Day Returns. Expedited delivery options such as Same Day/In-a-Day Guarantee Delivery are an added bonus.
For a Buyer, what is the 'Flipkart Advantage'?
For a Buyer, what is the 'Flipkart Advantage'?
Flipkart Advantage is our fulfillment service for Sellers. Products sourced from Sellers are quality checked, stocked and shipped by us. As a Buyer, you are thus assured of product quality, faster delivery and hassle-free returns. Also, you get a detailed overview of your Order journey from the Seller to your doorstep.
Do I get 30 Day Returns on products tagged with the Flipkart Advantage badge?
Do I get 30 Day Returns on products tagged with the Flipkart Advantage badge?
Absolutely! You are eligible for 30 Day Returns towards a new replacement or a full refund, in case you receive a damaged or defective item.
|Type Accepted
|10 days from delivery
|Damaged, Defective, Item not as described
|Type Accepted
|30 days from delivery
|Damaged, Defective, Item not as described
|Type Accepted
|10 days from delivery
|Exchange for colors and size, Does not fit
|Type Accepted
|30 days from delivery
|Exchange for colors and size, Does not fit
Race around the blazing of circuit of Infineon Raceway with your 351 Cleveland V8 and enjoy a blissful driving experience with Forza Motorsport 4. The 4th instalment in the series adds in many new features than its predecessors. Created for racing game enthusiasts who like precision detail in their cars, Forza motorsport is a haven for simulation game lovers.
The racing game is a great addition to your gaming collection as the mechanics used in the game are up-to-date. Available for the Xbox-360 platform, Forza Motorsport can be played by everyone in the family as it has an E rating from ESRB.
Synopsis and Features
Forza Motorsport 4 is a racing simulation game and is the best one in its class. The game offers precision detail for every car available on the game. From body graphics, brakes to even the engine roar everything is perfected in this racing game.
Developed by Turn 10 Studios and published by Microsoft Studios, Forza creates a racing atmosphere of its own. You can start your racing career by playing the World Tour mode. This mode is interesting as it allows you to use any car but not the location. The locations are randomly selected based on the cars you choose.
If you are first time user or a long-time lover of Forza, with the new game you will be at ease as it has many new additions to suit your level of driving within the game. Options like assisted braking and steering, traction control and rewind allow you to fine-tune your driving skills so that you can play without making mistakes. You can create car clubs and share your cars with your club-mates.
The races in the game include the original bumper to bumper races, Drift, Autocross, and multiple-heat races. Each event is different from another and requires a particular level of skill set to win it. Winning a race will earn you points that you can save up to buy expensive cars.
If you feel like the wait is too long to buy expensive cars, you can get new cars by levelling up. Each level-up as a driver will earn you a car and for the first time in the series you can select the car you want on each level. The strength of Forza motorsport lies in its cars, and the same is followed in this game too. You get to ride cars from across the world that include classic British sports cars, Hollywood legends, JDM favourites, German super sedans, American muscle cars and exotic Italian cars.
The gameplay offers new options where you get cash bonuses and discounts on car upgrades if you stay loyal to a particular car manufacturer. Stay loyal long enough and you can get those upgrades for free. The game features several Autovista model based cars that allows you to check the interiors of the cars. This is a great experience as you get to know not only how the car feels while riding, but also how the make and finishing is on the inside.
The game introduces a new head tracking feature that allows you to look around corners, making it easier to drive the car. The opponent AI has been tweaked and now adjusts according to your driving. If you are an expert and are making no mistakes during turns, the AI will understand it and tweak up their cars and match to your level. This gives a much better, immersive and challenging gameplay environment that assists in excelling your driving skills.
The game allows the use of a Kinect sensor, allowing you to use hand gestures to control your car and other gameplay elements. Turn 10 has paid every attention to detail as the sound in Forza Motorsport is just incredible. From the low hum of a Bugatti engine to the roar of a Bentley, Forza has great sound mechanics that make the game a joy to play with.
Online Features
16 players can login at the same time and indulge in multiplayer gaming with Forza Motorsport 4. The multiplayer mode is available online and offline as well. You can download updates and trailers and many more things from the Xbox marketplace.
Buying Guide
A minimum distance of 6 ft is required between the player and Kinect sensor for smooth game play. More space is required if extra players join in. Try to place the gaming console in a living room or the main hall to provide freedom for your hand and leg gestures. Ensure that the room has proper and even lighting; this helps the camera to capture your every moment and give you a seamless and entertaining gaming experience.
|Microsoft Studios
|Video Encoding
|Single-Player, Multi-Player
|Forza Motorsport 4
|Xbox 360
Amazing Game which takes years to finish with a lot more cars and the world tour. It is excellent with kinect for exploring a bundle of super racing cars. Great experience one of a kind car game(comparing to kinect Autovista) and a must buy.You actually have 2 types of profiles in this game one only using kinect and the other using the controller. GREAT GAME :)
If you have a XBOX360 then this game is a must buy,it has the best looking graphics on the 360 till date,the cars look spectacular 99.99% realistic,racing is also very easy in the easy mode and very challenging in the expert mode,there is a autovista mode to learn and explore a car's features,if you have a kinect the autovista feature will blow you away.
I pre-ordered this game. Flipkart delivered it the next day it released.
This game is just awesome. If yu like racing sims, this is a must buy. The new autovista feature and the kinect integration make it even better. One of the best games out there.
i bought this game (limited edition) i hated this because i love games like N.F.S so i hated this game but for people who like games like gran trusimo its great ...........................................................................................................................................................................................
Waiting for this offer for long time! Got this game for Rs 1700. Great and original FORZA 4 double CD pack! Also got bonus track with it. Thanks to FLIPKART and GAMESHOPEE.
Waiting for this offer for long time! Got this game for Rs 1700. Great and original FORZA 4 double CD pack! Also got bonus track with it. Thanks to FLIPKART and GAMESHOPEE.
VROOOOOOOOOOOM!!!!! (View complete review)
I have been waiting for a good deal on this game for a while and as soon as I saw it on Flipkart I ordered it. Shipping was fast. I have no complaints with the game, it has got lot of content, cars etc. and good gameplay. Would be getting a racing wheel soon for playing this full fledged. A colle... (View complete review)
The graphics are awesome.Many types of cars avaible in this game. Many tracks are avaible
which you will never get bored. (View complete review)
forza motorsport 4 is good nice game with excellent graphics.swift controls and cool cars.this game can last forever because it has a long career mode and obviously a free play mode. there is a mode in which you can look and drive the coolest cars. you can also drive with kinect and enjoy.in this... (View complete review)
First of all, Hats off to Flipkart for their excellent delivery- It reached me in ONE day!!!
Now to the game. One word-FANTASTIC!!!
If you have a kinect, its just wonderful to look at the 25+ luxury cars in autovista with extreme detail. The autovista mode alone offers 10 hours of gameplay.
Now t... (View complete review)


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One full week of gorgeous weather in now over. I got out of work tonight and walked into the chilly and rainy night. At least the thought of opening a nice local Finger Lakes wine at home helped keep the blood pressure under control. The thought of winter snow storms and lake effect blizzards has always been a bit stressful and I can't help imagine that when the chills of autumn are felt.
Once home, I opened a Ravines Wine Cellars Meritage 2007($24). A Bordeaux style blend of
60% Cabernet Sauvignon, 30% Cabernet Franc, & 10% Merlot.This was one of my few remaining wines I brought home for my visit to Keuka Lake in August. Not real hungry, but I did break off a few bites of Parmigiano Reggiano and a little Balsamic Vinegar for dipping. I am not a big fan of that cheese, but there are times it just feels right for a nighttime snack and tonight was one of those times.
I don't know if it was the dark ruby like color or my thirst for wine tonight that made this wine look so good in the glass, but it did. Very nice soft aromas of black cherry and plum with hints of leather and a little vanilla. Felt very smooth in the mouth with flavors of blackberry, black cherry, tobacco and some cinnamon. The finish was soft and long with berry like flavors and dry.
I had a couple of glasses before bed and saved some for tomorrow. Glad I saved this one for Regional Wine Week. During the past two years I had the opportunity to sample many Finger Lakes Meritage and it has become one of my favorite Finger Lakes red wines. There have been only a few that I thought were real outstanding and the Ravines 2007 is one them.
A few of the many reasons for the growing popularity of wine. Some wine facts, a little bit of history and wine reviews from an amateur wine lover for the amateur wine lovers
Thursday, October 13, 2011
Ravines Wine Cellars Meritage 2007
3 comments:
- Lauren Fino said...
A winery I am still dying to get to; been curious about their wines and delighted to hear your experience with the meritage. Thanks for sharing.
- October 21, 2011 at 12:02 PM
- joeshico said...
Thank you Lauren for the comment. There are many wineries on the Finger Lakes Wine Trails that should be a 'must visit' and Ravines is among the top of the list. Some very delightful white wines and their reds are among the best in NY.
- October 22, 2011 at 2:20 AM
Saw your blog and have to agree. My wife and i just came back from a wine trailbweek up at the Finger Lakes.
Ravines was one our favorite wineries.
- November 7, 2011 at 6:28 PM
Subscribe to: Post Comments (Atom)

subset: commoncrawl


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For Immediate Release
NASHVILLE, Tenn. (Jan. 25, 2013) – As part of its series for families, Nashville Ballet presents The Singing Tortoise, based on a West African folk tale and designed specifically to expose children to dance and music.
"Staging fun, engaging ballets like The Singing Tortoise offers children a chance to learn about the relationship between movement and music while inspiring them to use art as a form of expression," Nashville Ballet Artistic Director & CEO Paul Vasterling said.
Through dance, music and narration, The Singing Tortoise teaches children the value of keeping their word and respecting others. In this children's ballet, a hunter named Ama meets a magical singing tortoise in the forest. Ama promises not to tell anyone about the tortoise's talent, but breaks his word and suffers the consequences.
Following the performance, children of all ages are invited to participate in an interactive demonstration from their seats.
The Singing Tortoisewas the first original children's ballet that was created through a continuing partnership between Nashville Ballet and Belmont University. Vasterling created choreography to accompany an original music composition from Todd London, adjunct instructor at Belmont University's School of Music. The two organizations debuted the piece to the community in 1998, but this year's performance will included an expanded cast and new sets.
An American Sign Language interpreter from Bridges will be available at the performance to translate the narration for individuals with hearing impairments.
The Singing Tortoise will be held at TPAC's Polk Theater Saturday, February 16, 2013.
Ticket Information
Tickets to The Singing Tortoise are currently on sale to the public for $23 (adults) and $16 (children 12 and under). Tickets can be purchased in person at the TPAC box office in downtown Nashville, by phone at (615) 782-4040 or online. Season tickets that offer up to 25% discount for adults and 50% discount for children are available at www.nashvilleballet.com or by calling (615) 297-2966 x10.
About Nashville Ballet
Nashville Ballet is the largest professional ballet company in Tennessee. Nashville Ballet presents a varied repertoire of classical ballet and contemporary works by noted choreographers, including original works by Artistic Director & CEO Paul Vasterling. Nashville Ballet and the second company NB2 (a pre-professional training company) serve nearly 25,000 adults and children annually through performances and our outreach and community engagement programming. Curriculum-based outreach programs bring dance education to community centers, colleges, public libraries and public elementary, middle and high schools across the state. The School of Nashville Ballet provides world-class instruction in ballet and other forms of dance for dancers of all ages.
Nashville Ballet is funded in part from grants made available through the Metropolitan Nashville Arts Commission and the Tennessee Arts Commission. Funding from the Ingram Charitable Trust supports the presentation of The Nashville Symphony at most performances. Additional funding is also provided by The Shubert Foundation, Bridgestone Americas Trust Fund, SunTrust, ELAN Hair / ELAN Skin, the National Endowment for the Arts, Caterpillar Financial, The Memorial Foundation and Publix Super Markets Charities.
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New MASS-TECH® is an advanced muscle mass gainer designed for any individual that has a tough time adding size, is in their bulking phase, and/or wants to break through their strength plateaus.
MASS-TECH features 80g of protein when mixed with 2 cups of skim milk which supplies fast, medium, and slow-digesting proteins. The multi-phase protein system provides critical amino acids to the body at varying speeds for extended delivery of amino acids in the blood.
The new, powerful formula now delivers a massive 1170 calories derived from high-quality protein and quickly digested carbohydrates, as well as specialized fats. It is the most versatile weight gainer available, which can be taken once daily or split into two separate half servings.
The formula's protein dose when mixed with 2 cups of skim milk supplies a massive 13 grams of BCAAs and 7g of Leucine, which help fuel your skeletal muscles, preserve muscle glycogen stores, and help to reduce the amount of protein breakdown.
The full-spectrum formula contains less saturated fat than other weight gainers and is formulated with 5 grams of omega-rich fats, which provides energy-dense calories.
Unlike other leading gainers that contain little to no creatine, MASS-TECH delivers a 10-gram clinically validated dose to increase strength fast.
Supplies 168g of carbohydrates through a multi-phase carb complex to both spike insulin, quickly shuttling creatine into the muscle, and promote muscle glycogen replenishment, helping to put the body into an anabolic state.
MASS-TECH provides 3g of L-alanine which is the second-most used amino acid after L-leucine in protein synthesis. It has even been noted to play a role in glucose production for usable energy.
MASS-TECH is a powerful weight-gain formula developed with key massbuilding compounds that are shown in research to help
increase size, strength, and overall mass.


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18 U.S. Code § 33 - Destruction of motor vehicles or motor vehicle facilities
(a) Whoever willfully, with intent to endanger the safety of any person on board or anyone who he believes will board the same, or with a reckless disregard for the safety of human life, damages, disables, destroys, tampers with, or places or causes to be placed any explosive or other destructive substance in, upon, or in proximity to, any motor vehicle which is used, operated, or employed in interstate or foreign commerce, or its cargo or material used or intended to be used in connection with its operation; or
Whoever willfully, with like intent, damages, disables, destroys, sets fire to, tampers with, or places or causes to be placed any explosive or other destructive substance in, upon, or in proximity to any garage, terminal, structure, supply, or facility used in the operation of, or in support of the operation of, motor vehicles engaged in interstate or foreign commerce or otherwise makes or causes such property to be made unworkable, unusable, or hazardous to work or use; or
Whoever, with like intent, willfully disables or incapacitates any driver or person employed in connection with the operation or maintenance of the motor vehicle, or in any way lessens the ability of such person to perform his duties as such; or
Whoever willfully attempts or conspires to do any of the aforesaid acts—
shall be fined under this title or imprisoned not more than twenty years, or both.
(b) Whoever is convicted of a violation of subsection (a) involving a motor vehicle that, at the time the violation occurred, carried high-level radioactive waste (as that term is defined in section 2(12) of the Nuclear Waste Policy Act of 1982 (42 U.S.C. 10101 (12))) or spent nuclear fuel (as that term is defined in section 2(23) of the Nuclear Waste Policy Act of 1982 (42 U.S.C. 10101 (23))), shall be fined under this title and imprisoned for any term of years not less than 30, or for life.
Source(Added July 14, 1956, ch. 595, § 1,70 Stat. 540; amended Pub. L. 103–322, title XXXIII, § 330016(1)(L),Sept. 13, 1994, 108 Stat. 2147; Pub. L. 104–88, title IV, § 402(a),Dec. 29, 1995, 109 Stat. 955; Pub. L. 109–177, title IV, § 406(c)(1),Mar. 9, 2006, 120 Stat. 245.)
2006—Subsec. (a). Pub. L. 109–177inserted "or conspires" before "to do any of the aforesaid acts" in fourth par.
1995—Pub. L. 104–88designated existing provisions as subsec. (a) and added subsec. (b).
1994—Pub. L. 103–322substituted "fined under this title" for "fined not more than $10,000".
Effective Date of 1995 Amendment
Amendment by Pub. L. 104–88effective Jan. 1, 1996, see section 2 ofPub. L. 104–88, set out as an Effective Date note under section 701 of Title 49, Transportation.
The table below lists the classification updates, since Jan. 3, 2012, for this section. Updates to a broader range of sections may be found at the update page for containing chapter, title, etc.
The most recent Classification Table update that we have noticed was Tuesday, August 13, 2013
An empty table indicates that we see no relevant changes listed in the classification tables. If you suspect that our system may be missing something, please double-check with the Office of the Law Revision Counsel.
|Description of Change
|Session Year
|Public Law
|Statutes at Large
LII has no control over and does not endorse any external Internet site that contains links to or references LII.


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Named after their many trips back to Louisville from Lexington via I-64 West, this local country-rock band was influenced by Jason Aldean, Bruce Springsteen, Hall and Oates and Third Eye Blind.
When asked three words to describe their band they replied, "Fun, hometown and thankgodtheweekisovercantwaittorockout."
They performed on Great Day Live! on April 27. Click on the video above to watch their performance.
The winner of the WHAS11 Great Bands Live! competition will be announced on Friday, May 18 between 9 a.m. and 10 a.m. at the KFC Yum! Center Plaza.
The two finalists are 64 West and The Whiskey Bent Valley Boys.
Be there by 8:30 a.m. to be in our audience!


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HP to ship preinstalled iTunes PCs end of March
MacRumors is reporting that "according to the meta-description embedded in the HP Music Site, HP should start shipping iTunes pre-installed HPs by the end of this month."
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Are those Linux preinstalled PCs with iTunes?
Posted by SoloMalee on March 17, 2004 at 5:18 AM (CST)
If you have a comment, news tip, advertising inquiry, or coverage request, a question about iPods/iPhones/iPad or accessories, or if you sell or market iPod/iPhone/iPad products or services, read iLounge's Comments + Questions policies before posting, and fully identify yourself if you do. We will delete comments containing advertising, astroturfing, trolling, personal attacks, offensive language, or other objectionable content, then ban and/or publicly identify violators.
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Now browsing: Hometown News > Columnist Archives > Golf - Tim Peightal
The more options golfers have around the greens, the better their chance of scoring. The scoring range is from 60 yards and in. The more efficient you are, the lower your scores will be.
When your ball is on the fringe close to the green, your first option should be to use your putter. You should always play the safest shot, which is generally the smallest stroke.
The things that should determine weather you use your putter are:
How is the ball sitting? Is it up or down?
How much fringe do you have to go over?
What is the terrain like, smooth or bumpy?
How far do you have to go to the pin?
Your next choice would be to chip the ball. A chip shot is a low-running shot that has a little elevation to get over the area that you want to take out of play and then gets on the ground and rolls like a putt. These shots should be played with less lofted clubs, such as a 6,7,8 iron, which are more traditional. We are seeing the modern player be very creative and even use hybrids or fairway woods for these shot.
As you get farther away from the green and you have more fringe or rough or a bunker between you and the hole, you must play in the air, which calls for lots of loft in most cases. Pitching wedge, sandwedge or lob wedge are the clubs of choice. This is a pitch shot. There is definitely a difference.
Options give you the ability to play different shots that fit different situations. Some people only use their pitching wedge, or some people only use their 7-iron around the green. It's good to have a favorite club, but it may not fit every situation. All it takes is a little patience and practice, and you may find that you have several favorite clubs.
People talk about feel all the time when referring to the short game. Feel isn't something that you can teach, it is something you acquire through practice. Anytime you have a delicate shot around the green, approach it a little slower. Take your time; make some practice swings. Decide what shot you are going to hit. Commit to it and play that shot.
I leave you with one last thought: Golf is a non-violent sport, and the more non-violently you approach a specialty shot, the more success you will have.
Tim Peightal is a PGA pro, general manager and director of golf at Pelican Bay Country Club - north and south courses in Daytona Beach. He also owns Summit Driving Range in Port Orange. Mr. Peightal can be reached at (386) 304-4774 or by sending an e-mail to GypsyPro12@ aol.com.
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Game Questions & Answers (Q&A) service lets you ask questions about video games for game consoles or PC games. So ask your Great Big War Game question for Android and get answers from real gamers or answer questions and share your insights and experience with the rest of the gaming community.
- Developer: Rubicon Development Ltd.
- Publisher: Rubicon Development Ltd.
- Genre: Strategy Turn-Based Modern
- Release Date: Jul 18, 2012
- ESRB: Not Set
Stuck on this game? Set a specific, clearly defined question and let others answer your question or view answers to previously asked questions. If you think you are an Great Big War Game expert then please try to help others with their questions.
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- What's New
- Guest Info
- Edu-Vacations
- Workshops
- Volunteer
- Eco-Village
- About
Healing Power Of Expressive Arts
Lisa Burnell, M.Ed., CADCII, CET, Dr. Sara Hart, N.D., LAc, LMT, and Dr. Maria Valdez ND
March 14, 2014 - March 21, 2014
Work through vicarious trauma using the healing powers of expressive arts! DRAW, PAINT, DANCE, DRUM, by the spectacular lava cliffs as the ocean waves soothe our souls! Release negative energy picked up from clients. Naturopathic Doctors / Acupuncturist will do several treatments throughout retreat. Get training in expressive arts therapy, heal while it is raining or snowing elsewhere! Meet you there! Also includes several personal acupuncture/massage treatments throughout the retreat from ND Doctors.
Inner Journey Healing Arts Center focuses on integrative treatment for trauma, substance abuse, addiction, Family of Origin, grief and loss with traditional and alternative methods specifically designed to fit the individual.
About the Facilitator(s)
Lisa Burnell, M.Ed., CADCII, CET has 21 years in the addiction field and worked with trauma survivors in court and DHS systems. She has M.Ed. from Lesley University and an Expressive Arts Therapist and a Certified Addictions Drug Counselor II in the state of Oregon. She worked at a Women's Intensive Outpatient Program in Spokane, WA, for 6 years, she saw many missed healing opportunities and became guided to open her own nonprofit agency February 2000. Lisa is the founder and Program Director of Inner Journey Healing Arts Center which utilizes wholistic healing approaches.
Dr. Sara Hart, ND has been a practitioner of the healing arts for many years, guided by the dynamic state of balance observed in the natural world, the knowledge of modern technology and the wisdom of ancient traditions. Working for 10 years in home health and institutional settings, the limitations of pharmaceutical based therapies were apparent and a holistic approach to healing was sought. Through apprenticeships and formal study she was able to gain expertise in the field of herbal medicine, homeopathy, physical medicine, acupuncture, nutritional and supplemental therapies.
Dr. Maria Valdez, is a Naturopathic Doctor dedicated to educating and empowering local and global communities with the wisdom of ancient medicine philosophies integrated with the gifts of modern medical science. As a teacher, her hope is to inspire students and healers to find and exemplify personal and professional balance. Maria has been living, learning, working, and volunteering in Tanzania, East Africa since 2011, as well as exploring and studying other cultures and healing practices around the world. Maria is an adjunct faculty member at the National College of Natural Medicine in Portland, Oregon where she calls home. She teaches in the department of graduate studies at Helfgott Research Institute in nutrition, integrative medicine research, and global health and also leads study-abroad global health experience courses in Africa and Southeast Asia. Maria's primary focus is mind/body medicine with an emphasis on nutrition, lifestyle counseling, therapeutic touch, support group therapy and behavioral changes. Maria may also use evidence based conventional or natural medicines or refer to specialists.
To Register:
Catherine May
Phone:808 965-0468 x120
Workshop Fees
Fees include workshop, meals, accommodations, and use of Kalani's facilities including pool, hot tub and sauna.
|Fees per person:
|Double Occupancy
|Single Occupancy
|9 - Ocean Cottage
|$ 2025
|$ 2830
|8 - Ocean Loft
|7 - Tropical Cottage
|$ 2025
|$ 2830
|6 - Tropical Loft
|5 - Tree House Room
|$ 2305
|4 - Bungalow Room
|3 - Lodge Room (private bath)
|$ 2025
|2 - Lodge Room (shared bath)
|1 - Campsite
Prices subject to change without notice.


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We offer tour & vacation packages in Sri lanka and also we plan tours/vacations according to your exact requirements. Visit our site for more information....
$88 Per Person
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Sri Lanka Sight-Seeing Tours
Haniffas Holidays offers personalized tour services to suit all budgets and tastes. These services can accommodate individuals, groups or families. Our aim is to provide maximum service for the best rate.We have the lowest rate for transport....
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Sri Lanka Sight-Seeing Tours
Welcome to Jally Tours Sri Lanka. My name is Hafiz Jaleel, more popularly known as 'Jally' operating as a small, independant tour company which specialises in driving small groups on guided tours around Sri Lanka. I am a licensed Guide...
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To do the cool things, you have to be logged in first.
Posted 08/22/2013 1:07 PM
Rockets get ; Z Randolph and R Lewis
Heat get ; R Lopez
Grizzlies get ; N Batum and J Lin
Blazers get ; T Prince and O Asik J Anthony
the rockets get much needed poward forward with Z bo and Lewis is another shooter they can use to spread the floor, and also played with Howard in orlando when they went to the finals.
the heat get a center just in case oden cant play lopez has size to get along side bosh, and get rid of anthony.
the grizzlies get some scoring with lin and a legit back up Pg even tho hes cost alot and a younger wing in batum who can play D and also score alittle bit. we lose having to pay batum 11 mill a year.
blazers get the center they have really wanted asik has size and plays D something we also need and i think playing next to LA will help alot and also helps out our guards if they get beat and loves to rebound, we also in the deal get prince he isnt the player he once was but still can score a bit and has good length and D, brings a vet and hes only on a two year deal so his contract will end when LA is a free agent so that will give us some more cap for the summer of 2015. and anthony was just a throw in to make the salaries match.
1. Lillard/Williams/Watson
2. Matthews/Mccollum/Barton/Crabbe
3. Prince/Wright/Claver
4. La/Robinson/Freeland
5. Asik/Lenaord/Anthony
our D gets better and we also had to players with size, and we would still have enough scoring with LA, Lillard, Matthews, Mccollum, Williams, Wright and Robinson, not to mention Asik brings toughness and helps Lenoard to play better D what do you think blazer nation ?
Posted 08/22/2013 5:25 PM
bad trade is bad im not giving up batum for that garbage i love asik but hes not worth batum and lopez
Posted 08/22/2013 5:35 PM
Negative Ghost-Rider the pattern is full.
Posted 08/22/2013 9:58 PM
I like it
Posted 08/23/2013 11:06 AM
While I like the thought process and the effort I am not a fan of the moves. First ZBO would clash with Howard, Dwight needs someone like Ryan Anderson or Kevin Love to play PF with because they stretch the court and allow Howard to work one on one inside.
Miami gets Lopez for Anthony and Lewis they make that move all day.
Memphis might like that trade cause Batum is a major upgrade over Prince at this point in their careers and they get to shed Randolph's huge salary.
Unfortunately, the team that loses the most is the Blazers. Prince is a nice veteran who can play but is likely a bench player at this point of his career. Asik is an upgrade over Lopez but not significantly enough to offset the loss of Batum.
Posted 08/23/2013 4:44 PM
Posted 08/23/2013 5:37 PM
Posted 08/23/2013 5:47 PM
Posted 08/23/2013 7:08 PM
I think we've done enough dealing for 1 season. Let's see how our new Blazers flow, before jumping into anymore offseason trade scenarios.
Posted 08/24/2013 9:36 AM
Posted By riverman on 08/23/2013 5:47 PM
Just to add to the thread, why do people keep wanting to make Houston or Miami better? It does not help the cause of the Blazers getting a championship to stack the oppositions roster. Baffles the mind!
I can answer that riverman,
Because people would rather by a new car than to put in the effort it takes to restore a classic.
Started by
Ricky on 05/19/14 at 12:19 PM
Started by
Andrew Linares on 05/15/14 at 7:30 PM
San Antonio game 2
Started by
buffielea on 05/05/14 at 2:02 PM
Started by
Nate Caraway on 04/20/14 at 6:17 AM
First Game starts tonight. Houston is a tough first round opponent and they play exceptionally well at home. If we can steal a game or two at their place, I feel like we have extremely good chances.
P.S. Would anybody happen to have a...
Started by
cm_flippin on 04/02/14 at 10:49 PM
There are many questions and you don''t have to register, you can continue as a guest. Didn''t know about Sporcle though, thanks.
Started by
NickPitherUK on 02/18/14 at 6:57 AM
Started by
benh7777 on 02/12/14 at 10:22 PM
The Blazers were winning!  That is the key word, were.  Blazers are living proof that you can live and die by the jumper.  Lately it has been dying.
Thank God they are 19 games over 500.  Mayb...
Started by
jamsmashers on 02/13/14 at 1:03 PM
Hawes will be a hot commodity by the trade deadline, I would think the sixers could find a better offer.
However, I do believe Mo Williams could have somewhat of  a high trade value. Olshey needs to make a deal to get a big man while we...
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With Siri, technology finds its voice
After a month of using Siri, the new voice-controlled "personal assistant" available on the iPhone 4S, I've decided it may be time to add voice control to the list of paradigm-shifting ways to interact with a computer.
Five ways Apple's iOS 4 breathes new life into iPhone
Computerworld's Michael deAgonia gives the five reasons he's glad that iOS 4 has arrived.
Apple's iPad makes technology instantly accessible
Computerworld's Michael DeAgonia weighs in with his first impressions of the iPad.
The top 10 standout Macs of the past 25 years
To celebrate the Mac's 25th anniversary, Computerworld's Michael DeAgonia looked back over the years and picked 10 Apple computers that altered the company's course and changed the way the world works and communicates.
Five things Apple needs to do at Expo
Computerworld's Michael DeAgonia offers Apple some unsolicited advice for Tuesday's Macworld Expo keynote.
Move over .Mac., here comes MobileMe
Computerworld's Michael DeAgonia takes a closer look at MobileMe, the iPhone-friendly replacement for .Mac that Apple unveiled this week.
A report from iSuppli on how people use their iPhones suggests that Apple has come close to achieving a balanced convergence in mobile handset features and usage.
Computerworld: Leopard hits and misses
Computerworld looks at what Apple got right and wrong with OS X 10.5.
Computerworld: The iPhone at two months
After two months of steady iPhone use, Computerworld's Michael DeAgonia concludes that Apple's latest device continues the company's tradition of rocking industry complacency, with the brilliance of the iPhone shining brighter the more you use it.
Computerworld: Running Windows on a Mac
From Computerworld, here are some answers to common questions about Boot Camp, the Apple software that allows you to boot into Windows XP on an Intel-based Mac.


text:
FOND DU LAC, WI (WHBL) - Fond du Lac County Sheriff's officials say a 25-year-old Sheboygan man overdosed on heroin at the jail after he was brought in on a warrant last week. Brian Klemme was strip searched when he was brought in on July 2nd, but managed to conceal the drug in a body cavity. Later jailers found him unable to breath and overdosing on the drug. He was taken to St. Agnes Hospital where he was treated and released. He is facing drunken driving, possession of narcotic drugs and 2nd degree recklessly endangering safety charges.
Coast to Coast AM 12:00 AM - 5:00 AM
Email: email@example.com


text:
Dear Roze:
A couple of weeks ago, I started a three-month internship after I graduated from college. When I accepted the offer, the company said I would probably get a full-time job offer if I did a decent job. I took this internship over an actual job offer because I really like the type of work I get to do with this internship. I didn't tell my parents about the real job offer because I knew they would have told me to take the paying job regardless of what I like or want to do. Now, some of my friends are telling me I was crazy not to take the paying job, so I'm starting to worry about my decision. I'm working very hard, but was wondering if there's anything else I can do to make sure I get that paying job at the end of my internship.
Need the paying job
Dear Need the paying job:Unfortunately, there can be no guarantees unless you signed a contract stipulating receipt of a paying job upon completion of your internship, which is rarely done. That being said, there are many things you can do in addition to "working very hard" to enhance your chances. Bottom line, you want to prove you are capable of handling all the responsibilities associated with a full-time position. Look at your internship as a three-month job interview. Here's a list of some of the things you can do:
- Give one hundred percent (100%) to every task, regardless of its perceived importance.
- Request regularly scheduled meetings with your immediate supervisor to discuss your performance. Make sure you are meeting, if not exceeding, his/her expectations.
- If you are ever unsure of what is expected of you, ask for clarification. You want to make sure you are always on the same page as your immediate supervisor.
- Volunteer to take on additional responsibilities if it will not take away from your internship efforts.
- Make an effort to learn all there is to learn about the company. Network! Meet everyone in the organization and find out what they do, and participate in activities outside of work hours. For example, join the company softball team and attend the celebratory lunches.
- Follow every company policy to a tee. The dress code applies to you too.
- Always be punctual.
I wish you the best of luck!
Dear Roze:
Last year I was asked to step down from a position I had held for just a few months. I was told that my help was needed in a different area and that it would better me and the company if I took the other job. I was also told that this move wouldn't have a negative effect on my status within the organization. It's been a little over a year since I've been here and I feel like I'm being overlooked for other job openings. I'm beginning to wonder if I was asked to make that job change because it was thought that I wasn't a right fit for the job I was originally hired to do. Currently, there are openings in the position I once was in. I would still work for the same person I'm working for now. Do you think I should express my interest? I would like to go back to doing what I was hired to do but I'm not sure how to proceed.
Want old job back
Dear Want old job back:
Because you were in your old position for such a short period of time, figuring out if there was in fact a hidden meaning behind the move is difficult. That being said, your email stated that you were asked versus told to make the move. It appears that you would not have been forced to change jobs if you had not chosen to. Regardless, from my perspective, you have nothing to lose if you make an inquiry. If you decide to look into it, follow your chain of command. Ask your immediate supervisor, and if it was someone other than who you report to now who asked you to step down, keep that person in the loop as well. Best of luck!
© 2011 Rozanne R. Worrell


text:
Chicago, ILph: firstname.lastname@example.com
Magnolia's Community House, NFP, is of the mind that all individuals, regardless of race, gender, culture, or disability are capable of archieving a life of independence and social stability. Obtaining safe, adequate, and supportive housing is often a challenging first step for many people. Magnolia's Community House, NFP. (MCH) recognizies the importance of coordinating services for our clients. Our staff provides case management & scheduling of clincal appointments, and coodinates care with the altercare team, and encourage family involvenment in the process of reaching independence.
Copyright 2012 Magnolia Enterprise, SP. Magnolia's Community House, Inc.. All rights reserved.
Web Hosting by Yahoo!


text:
Home » Patients and Families » New Patients
Learning that your child has been referred to a clinic that specializes in cancer and blood diseases can be stressful for any family. At Texas Children's Cancer and Hematology Centers, we focus on making your family's experience as smooth as possible.
Our goal is to make your first visit as easy as it possibly can be, which is why we require that all families have their referring physician contact us prior to scheduling a first appointment. This phone call is very important because it helps us to prepare the medical records and laboratory tests that we'll need to evaluate your child's condition, making your first experience at our clinic as smooth and seamless as possible.
It also helps us to determine how soon your child needs to be seen, and to make sure that your child will be connected with a physician who is knowledgeable in the areas that are most important to the type of treatment or illness that's diagnosed or suspected.
Certain laboratory tests may be recommended or planned for your first visit, which might be necessary for us to make a determination as to what the best options for treatment might be.
Once a referral is obtained, the Referral Coordinator will call you to schedule your first visit. Parents may also call our Appointments Desk at 832-822-4240 schedule the first appointment. We'll make sure that our doctors have spoken with your referring physicians so that we can coordinate any laboratory tests that might be needed the day of your visit.
In most cases, appointments will be scheduled at the Texas Children's Hospital location in the world-renowned Texas Medical Center. Some patients may be able to see a physician at our outpatient clinic at Texas Children's Hospital West Campus in Katy, TX.
Bring as many of the following items as possible to the first appointment:
Please print and complete these forms and bring them with you:


text:
Q From Kate in Australia: Can you explain the origin of how's your father and what it actually means?
A You take me back to my youth in west London and to my dear old dad, one of whose phrases this was.
To my ear it's certainly an outdated expression, even in Britain, where it was once most popular. There are several senses, the most common of which is as a low slang phrase for a leg over, or a bit of the other, in other words a casual sexual encounter, especially in phrases such as "a spot of the old how's-your-father" or the irresistible invitation "Awright darlin', fancy a bit of how's yer father?". It has also been employed as yet another of those hand-waving words, in this case for a person whose name one cannot for the moment remember.
All these derive ultimately from the fertile imagination of the music-hall comedian Harry Tate, born in 1872 and popular from before the First World War to his death as the result of an air raid in 1940 (although if you listen to a 1912 recording of the famous motoring sketch that he toured for more than thirty years, you might wonder why; truly that was a different age). When he was supposedly stumped for an answer in one of his sketches, he would break off and ask "how's your father?" as a way to change the subject.
This became a catch phrase and was picked up by servicemen in the First World War. John Brophy (who edited Songs and Slang of the British Soldier: 1914-1918 with Eric Partridge) wrote that it was "turned to all sorts of ribald, ridiculous and heroic uses". Our modern meaning is a relic of those times.
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Hey guys! Just wanted to post my first Jango costume! I sported it for C3 and I'm wearing it tomorrow night in Elmhurst, IL at the York Theatre. Come if you can, we'll party!
Introducing 501st member BH 7383!!!
Hey guys! Just wanted to post my first Jango costume! I sported it for C3 and I'm wearing it tomorrow night in Elmhurst, IL at the York Theatre. Come if you can, we'll party!
Introducing 501st member BH 7383!!!
My First one was always the one I was most proud of..
AWSOME! I'm glad your proud of it! Is that a set of ebay armor? Reminds me of my first one too, but yours seems to be holding together much better than mine did and your is actually complete ve mine withouth belts or gauntlets lol. Very nice!
Thanks for the props, guys! I did in fact get my armor from Schuby's Galactic Props on ebay, I am pretty happy with it for my first timer.
The helmet is a rubies collectors helmet, the gauntlets are a modified ruffkin kit (if you have a kit and have questions, I am more than willing to help out!), the belt, armor, decals and jumpsuit I got from Schuby. The shoes are a pair of Euro-ish Shoe Carnival shoes. I got the leather gloves from Osco a while ago. Haven't yet attempted a jet pack, but I would like to go with a Kamino jet pack eventually.
oh, the guns and belt are the store bought ones. Schuby had those, too.
Looks good man! One word of advice though, cover your neck.
Welcome aboard fellow Jango
Good job
yeah, I'd like to cover the neck, haven't gotten there yet. Any recommendations?
How about useing some underarmor. My buddy used it for his stormtroper outfit. Just a thought...
Underarmor is clothing you wear under everything else. people use it for sports and other things, it keeps you really cool. I don't think they make blue though. But you can still wear it under everything to keep cool if you want.
i think it's called underarmour...canadians.
Looks good for your first suit. A few suggestions. Trim the chest armor to better fit your frame (they look too large), cover your neck, Upgrade those holsters and mod that helmet (Cut out the visor) Your on your way brother! Welcome to the Jango Clan.


text:
The retired radio personality turned taxi driver was gone for most of the day, his car still parked in the driveway. People who live near David Rutherford's home on 28th Street knew something was strange when someone found the keys to his cab lying on the ground. His roommate, Craig Lewis, immediately became suspicious.
"One of our neighbors found his keys out here, but stuff that he would normally have on him whenever he drove the cab was inside the house: his cell phone, cigarettes, GPS," said Lewis.
Less than fifteen minutes after that discovery, the mystery of his disappearance was solved. His former co-worker at Magic 101.3 recalls how he learned the news.
"I just saw Dave last week at Budget Car Sales, I was doing a remote. We were reminiscing about the Blues, and now I'm just shook. His stepfather called me last night from the house and said they found Dave dead over by a church, and we were all shattered, especially in the broadcast community," said Edgar Champagne.
Rutherford's body was lying in plain sight in the parking lot of a church on Talbotton Road. Investigators said he was the victim of a violent murder. Lewis met his roommate while riding in his cab. Lewis mentioned to Rutherford he was being evicted and Rutherford offered to let him stay at his house. That was two years ago. The last time Lewis saw him, he was getting ready to go to work.
"He never talked about it as being dangerous. Sometimes he would have a fare that was a jerk, but nothing that he couldn't handle, we'll put it that way," said Lewis.
People who live nearby suspect Rutherford was the victim of a robbery outside his house and the killer(s) moved his body to the church. Police have not confirmed those details and they are still investigating a motive.
"I heard stuff but I didn't see anything at that time, between 12:30 and 1 o'clock, I heard somebody talking about 'Give me the money' and all kinds of stuff like that, and that was it," said his long-time friend and neighbor, James Crouch.
"They wouldn't have had to do that. Not to Dave they wouldn't. Because whatever they asked for, he would have given it to them," said his cousin, Marvin Rutherford. The two were sitting in his cab reading a newspaper only the day before his death.
It's a tragedy all too similar to the murder of Heath Jackson, a radio personality for 88.5 The Truth who was shot to death during a robbery in his home. His killer was brought to justice only one month ago.
Prior to working in Columbus, Rutherford worked at WFDR in Manchester, Georgia and also spent time at radio stations in Miami and Washington D.C. He was known on air by his stage name, Dave Ford.
He followed in the footsteps of his father, Rudy "The Deuce" Rutherford, who is in the Black Radio Hall of Fame. He was the first African-American in the South to host a television show. It was called "Rock'n With The Deuce and it aired on WTVM in 1958. Both Rutherford and his father coincidentally died at the same age: 57.
David Rutherford, originally lived in New Jersey. His cousin, Marvin, recalls how he ended up in Columbus.
"He came down to his sister's wedding one summer, and I think the weather was real rough up there. So, when he got down here, the weather was so nice, he just stayed. He was a real nice guy. I never knew him to get upset about anything. He just had an easy-going demeanor."
Copyright 2013 WTVM.All rights reserved.
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text:
April 27, 2012
In a recent conversation with T. Rowe Price's Todd Cleary, Chief Economist Alan Levenson and fixed income Portfolio Manager Dan Shackelford discuss the state of the U.S. economy and the financial markets.
Todd Cleary: Hi, I'm Todd Cleary with T. Rowe Price and this is Market Update. I'm joined today by Alan Levenson, our chief economist, and Dan Shackelford, portfolio manager for our Inflation Protected Bond Fund and the New Income Fund. Let's talk about the economy. Alan, where do we currently stand?
Alan Levenson: Well, the economy is growing steadily, if not too fast, at around 2½%. We're still not getting much contribution from housing, but housing is not a drag anymore. There's much less of a downside risk for the economy. Part of the good news—or part of the best news—has been more progress in the labor market. We're producing about 200,000 or 250,000 jobs every month. The unemployment rate is coming down, and there's evidence that this trend is better maintained and will be better maintained than it was last year.
It's important to remember that last year we had not just an oil price increase but a broad commodity price increase; it took a lot of money out of consumers' pockets. This year, gas prices are up, but electricity costs are down, natural gas costs are down, and food prices are flat. So there's much less of a bite on consumer purchasing power from the inflation side of things.
And, of course, we have not, thank goodness, experienced another earthquake or big natural disaster disruption to the manufacturing supply chain. So I think that the growth outlook is firmer. There's a little bit more risk that we could see better growth than about that 2½% rate that we're expecting.
Cleary: So between construction and some other factors, there are some good signs there but still some challenges.
Levenson: Yeah, I mean again, the good signs are there are two ways to look at it: [one] is that the worst parts of the financial crisis seem to have healed substantially—not just that housing construction is finally starting to rise gradually; state and local cutbacks are in their later stages; [and] the financials sector, in terms of employment, has stabilized. And so those drags are easing. And then in the meantime, consumers are making progress leveraging, and they're starting to spend a little bit more freely, and business capital spending on new plants and new equipment has also been growing.
Cleary: Right, some good signs of hope there.
Levenson: Absolutely.
Cleary: Yeah. Alan, do you think we can sustain the decrease in the unemployment rate going forward?
Levenson: I do. I think the unemployment rate is on a steady downward path. It won't be as fast as we've seen in the last several months, where in October we were at around 9.0%, we fell to 8.3% in January [and] held there in February. So that's .7 of a percent over three months (would be two percentage points or three percentage points every year); we're not gonna see that. I do think we'll be below 8.0% by the end of this year, from 8.3% now, but part of what happens is the labor market improves—is that you have people who aren't in the labor force looking for work, deciding that the time is right to go find a job. When they enter the labor force, generally, they're unemployed at least for a short period of time first and that can back the unemployment rate up a little bit. But the general trajectory will be lower.
Cleary: The conversation around the price of gas seems to have really picked up in the first quarter. What are your thoughts on oil prices?
Levenson: Well, you know, just to back up a second, the reason that there's always so much conversation about the price of gas is that everybody knows what the price of gas is. We drive by gas stations every day. And oil prices rose earlier this year in response to heightened tensions in regard to Iran's nuclear program. And so gas prices are gonna continue to see that pass through as we move into the spring. There is a seasonal changeover to the higher oxygenation levels and the like. But the fact is that, unlike the year-ago increase in gas prices, this was really isolated in its cause to that geopolitical stress. While gas prices were rising, natural gas prices and electricity prices were falling, and they're also a significant part of the consumer energy basket. And where last year we also had a rise in commodity, food commodity prices that was pushing on inflation, we're not seeing pressure there as well. So in terms of the overall impact on consumer pocketbooks, it's going to be much less than what we saw a year ago.
Cleary: And seems to be really driven by the geopolitical factors as opposed to the other categories.
Levenson: Yeah. And the fact is that from mid-February, the price of oil has been pretty much stable at $120.00 to $125.00 a barrel, and so once we fully pass through the increase that we saw over the winter, we're looking at a much calmer environment.
Cleary: In an election year, progress seems to be stalled in terms of passing a federal budget. How do businesses and the economy continue to grow in an environment like this?
Levenson: Well, you know, it's an interesting question, and there are two parts to it. I think that we've gotten used to carrying on with our private sector business even as budgets get put together on the fly. It's been a long time since Congress actually enacted a budget by the end of the fiscal year—that is in September for the next October-to-September period. They tend to finance the government with shorter-term resolutions. The bigger issue in the election year is that at the end of this year, all the Bush tax cuts expire, we have got this super committee from last fall instituting spending cuts that start in January, and if there's no action to offset any of that before the beginning of the year, that could be a hit to growth of two-and-a-half or three percentage points of GDP [gross domestic product]—it would be a big threat to the expansion. And, you know, you'd think that that might be causing some hesitation on the part of private decision makers in businesses or individuals, and I think the broadly held assumption is that after the election, the lame-duck Congress and whoever the president is will kick that can down the road to soften or mitigate completely the impact of those policies.
Cleary: Dan, a lot of what we're hearing and seeing on the news now is all about the election. How connected is the election in terms of the economy now and all the factors that we face in the markets?
Dan Shackelford: Well, that's a very good question because, as you recall, last summer it was certainly the inability of the Democrats and Republicans to come to some sort of compromise on the budget, in addition to the downgrade of the U.S. Treasury market, which, I think, just took a real swipe at confidence, and we saw a tremendous rally in bonds. So what I would like to see coming out of this election would be more balance, perhaps, between the Congress and the president and some hopeful or more optimistic ideas about how to solve some of the longer-term problems. The real overhang in the bond market, I think, is longer term. It's the structural issues in the U.S. budget, and it seems like we've had lots of talk about it but very little action. And I would like to think that with the election behind us, that Congress and the president, whoever that is, will be willing to sit down and start negotiating and get serious about the longer-term structural problems.
Cleary: Dan, the markets seemed to be fairly optimistic about economic recovery in the first quarter. What are your thoughts?
Shackelford: Well, there are some good things that happened in the fourth quarter of last year and into the first quarter of this year. So let's start with Europe, which was a problem in the fourth quarter and quite a concern over the summer, and we've had some intervention by the European Central Bank, which I think has calmed the nerves of a lot of investors and has also, I think, taken a lot of the risk out of the financial system in Europe. So that was a real positive. Plus, we've had job growth in the U.S. and some better economic data in the U.S. So I would say that the growth prospects look stable to improving. Certainly not that exciting for the bond market to do anything material, but nevertheless, I would say there's optimism in the marketplace. But we have some issues on the horizon, late next year, that have to be resolved, and I think the global growth situation is also in the back of investors' minds. China has been slowing down, and the eurozone, despite some improvement and taking some of the risk out of the financial system, has a long way to go, I think, to gain traction on the economic front since budgets are getting cut, and there are austerity measures that need to take place over the next several years.
Cleary: Dan, do those global issues—fears about weakness in China, the ongoing adjustments and weak growth in Europe-does that mean that even as our economy recovers that interest rates aren't gonna reflect that by rising? Because if we're seeing growth expected to be 2½%, 3% this year and next year, and—in real terms, but real interest rates are still 0% or negative.
Shackelford: Yeah, well, I think that in order for that environment to change dramatically, we would need, I think, the eurozone to come back online, and I would like to see some additional upward momentum on the emerging market growth story. That was a big part of what we had seen in the past and I think, whereas there are growth issues in the developed nations, in the UK and the eurozone and the U.S., there are inflation issues in the emerging markets. So I think once we get global growth back in sync, I think we can think more seriously about a major adjustment in the Fed's policy, right now, which is quite accommodative.
Cleary: Dan, the first quarter saw some movement in terms of interest rates. Can you tell us what we should expect?
Shackelford: Sure. We had a modest backup in interest rates in the first quarter, and I think that [was] related to a couple of things. One, we've had some better economic momentum, not stellar, but strong enough, I think, to give some pause to the rally that we've seen in rates over the last year. Second, I think we saw in the fourth quarter into the first quarter a lot of momentum in the stock market as well, very nice returns, and stocks, I think, that probably gave the bond market a little pause, as well as, I think, investors rediscovered maybe stocks as a value. So I anticipate that as the economy continues to grow modestly that we might see a backup in rates, but I don't see a big material change in the Fed's policy any time soon.
Cleary: How about from you, Alan? Where is the Fed on all of this, and what do you see going on there?
Levenson: Well, I would agree with Dan's sentiment that they're not gonna change policy any time soon—that means in either direction. So they've cut interest rates to 0% by December 2008; tripled the size of their balance sheet; and, in January, reinforced their expectation and their communication of that expectation that they would keep interest rates where they are until the end of 2014. That's about as stimulative as they're gonna get, in my view. And, in fact, it seems to me that that late-2014 rate guidance is somewhat at risk. But they're now at the stage where having cut interest rates, expanded their balance sheet—that's a policy of extreme stimulus to the economy. Doing nothing doesn't reduce that stimulus, it keeps that stimulus in place, and that stimulus will gain traction in the economy as the underlying healing continues. But I don't see them raising interest rates, at the soonest, until early in the second half of next year.
Cleary: Dan, as investors approach retirement, they start thinking more abut generating income from their portfolio. Could you put some perspective on the table here for those investors who are approaching retirement around their bond portfolios?
Shackelford: Yeah. So this is a very difficult environment, I would think, to think about income, mainly because of the Fed's policy and how extraordinary it is with 0% interest rates and 10-year Treasuries, for example, yielding around 220. There is a meager amount of income at the very high-quality scale. I think the way I would think about it is maybe branch out and think beyond just Treasuries and move into lower-quality bond markets. We still think there's value, for example, in some of the lower-quality corporate sectors. In addition, I think dividend-yielding stocks still look appealing, maybe not as much as they did in the fourth quarter. So there are ways of getting income into a portfolio, and the Fed is actually encouraging investors, I think, to take risks. So for the time being, and I think for a while, you're gonna have the Fed at your back in terms of an accommodative policy.
Cleary: Right. So as an investor, they might be thinking about hearing lower-quality bonds. Does that mean more risk and how do you manage that?
Shackelford: That will be more risk, but let's divide risk into two buckets. One is interest rate risk, which I think is very high; the other risk is credit risk, which I think is fairly priced. So the way we would approach this is, right now interest rate risk, which would mainly be expressed in Treasuries (with 10 years at 2¼% and the Fed targeting 2% inflation), to me, has no long-term appeal, and it's more of an insurance in the short run if things go wrong in the global economy or the U.S. economy. But I think that's a lot to pay for the type of risk that we see there. But in terms of the corporate market, though, you can still find yields at 3%, 4%, 5%, and if you move a little bit further out the risk spectrum, maybe higher. That, to me, is a reasonable amount of income generation over the near term.
Levenson: Dan, let me just follow up because when you say lower quality, I understand that to mean compared to Treasuries, where we're guaranteed they're gonna pay them back.
Shackelford: Right.
Levenson: They've got the printing press or the tax authority in the basement-they can do it. But looking at, say, investment-grade corporates or, I don't know, some emerging market corporates, do you characterize those as low quality, where investors should be significantly concerned about getting paid back?
Shackelford: Yeah. I think that's a really good point. Low quality relative to the U.S. Treasury, and maybe we have a debate about that as well. But if any sector of the economy has done its homework and really performed well over the last five, 10 years, it's corporate America. Cash on the balance sheet is, in some cases, at historic highs. The leverage or the amount of debt that corporate America has taken on is very manageable and low, and, as we've seen in the stock market, that they have been able to perform in very difficult environments. So I would have a lot of confidence right now in investment-grade and lower-quality—in terms of credit rating—corporate bonds, mainly because we've seen corporate America deliver on what they're trying to do. They seem to have mastered this environment as much as anyone.
Cleary: So if I go from owning a 10-year Treasury at 2%, and I can get a pretty high-quality corporate at 4%, that gives me a lot of cushion to sort of withstand that interest rate increase when it comes.
Shackelford: It's producing income immediately, but it also, as you say, I think, provides a little cushion should we have an upward surprise in terms of growth.
Cleary: Dan, how about you help those investors who are asking the following couple of questions. With interest rates so low, why should I invest in bonds? When interest rates go up, don't I lose money?
Shackelford: Right. So, it's a very good question because interest rates are at historic lows, as you point out, but we could have said that two or three years ago, and I think investors are very happy over the last five years to have bonds in a portfolio, and in a broadly diversified portfolio (Balanced Fund, for example), bonds have come through. I would still believe that bonds come through by producing positive returns if our general outlook here is completely wrong, and the U.S. economy is going back into recession and the global economy starts to look weak again, I think bonds will come through for an investor.
But if you think about bonds in general, again, we would want to emphasize that, within the bond world, there are lots of choices, there are Treasuries at one spectrum [and] there are investments that you can make in emerging markets and in high yield and others that produce more income.
I think you still want some higher quality, though—some high-quality element in your bond portfolio—just in case things continue on as they have for the last several years, and that's a very low-growth environment, a very low-inflation environment. I think bonds will do just fine.
So the one reference, I think, that investors need to think about is this isn't the '80s and the '90s where bond yields went through a period of a huge decline. I think we are in a world where bond yields are in the 2%, 3%, 4%, 5% environment. I don't foresee going back into an 8% or 9% environment. So the point here is that if yields go up, I see yields being capped mainly by the changes that are taking place globally in terms of growth expectations and generally a benign outlook that I have on the inflation front, despite all of the money printing that we've had by central banks in the developed world.
Cleary: So it feels like, in this environment, diversification is key—stay on the shorter end for some safety, but it's OK to go out a little bit longer to get some yield.
Shackelford: I think that's right. I think if you divide bonds into that interest rate risk and the credit risk, it's the interest rate risk that you might think about bringing the maturities of your bonds closer to home, closer to the three to five year as opposed to longer. But also, have confidence that you can manage the risk, I think, in a diversified portfolio if you take a little more and earn a little more income in the corporate and higher high yield bond market. The other thing, I think, to think about here as you put a bond portfolio together, as you near retirement, one of the things, too, that you want to think about is preserving the real value of your investment. So a little inflation protection, I think, as you approach retirement becomes maybe a little more important. And as you retire and as you move through retirement, again, having some equity exposure is important, but having inflation protection is also important.
Cleary: Right, that becomes really important to protect that income stream on a fixed income.
Shackelford: That's exactly right.
Cleary: Right. Remember, it's your money and your future—stay in control of it. I'm Todd Cleary and this has been Market Update with T. Rowe Price. See you next time.
Yield and share price will vary with interest rate changes. Investors should note that if interest rates rise significantly from current levels, bond returns will decline and may even turn negative in the short term. There is also a chance that some bonds will have their credit ratings downgraded or will default.
T. Rowe Price Investment Services, Inc., Distributor


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After the Indiana Supreme Court denied murderer Andrew Conley's appeal to reduce his life without parole sentence, he could be taking the case to the U.S. Supreme Court.
Local News
We want your news and traffic tips! 888-537-9724 or click here.
Conley May Appeal To U.S. Supreme Court
UPDATE: Suspicious Package Checks OK
UPDATE: Greendale Police say a suspicious package reported at the Veterans Administration Healthcare Office on Flossie Drive has been determined to be a non-threat.
Wake Up Kiddos! Back To School Time Is Here
This year, the first day of August means the first day of school for some students in the tri-state.
Supporters Flock To Chick-Fil-A
A political debate over gay marriage and chicken sandwiches is taking place in Florence Wednesday.
Crash Sends Two To Hospital
Two drivers suffered minor injuries in a crash on U.S. 52 in Franklin County Tuesday evening.
Pence Proposes Cutting State Income Tax
Indiana's Republican candidate for governor is promising to cut taxes if elected, but his Democrat opponent says he has no credibility on tax policy.
Road Closures This Week In Dearborn Co.
Culvert installations will shut down two roads in Dearborn County Thursday and Friday.
Ind. Won't Defend Parts Of Immigration Law
Indiana won't defend most of the state's new immigration law because of the recent ruling by the nation's highest court.
Rep. Davis Resigns From Congress
Northern Kentucky likely won't have any representation in the U.S. House of Representatives until 2013.
Supreme Court Upholds Conley's Life Sentence
An Ohio County teenager's sentence of life in prison without parole has been upheld by the Indiana Supreme Court.


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Ellen on Hate Crime
Ellen DeGeneres speaks from the heart about a difficult topic.
Ellen speaks candidly about the murder of 15-year-old Lawrence King, an openly gay 8th grader allegedly shot to death by a fellow male student who he asked to be his Valentine.
See Also:
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Modern Waste Products Inc. is a Canadian-owned Company specializing in the design, production and distribution of innovative solutions to waste management. We offer strong application design capabilities which lead to the development of the BinPak™ Compactor, our flagship product. BinPak is of particular interest to the food and restaurant industry. Modern Waste Products ...
Veolia North America, Industrial Business
The three divisions of Veolia North America providing technical solutions, industrial services and industrial water solutions have been brought together under our shared Corporate name, Veolia North America, Industrial Business. Our parent company, Veolia, has worked hard to establish this worldwide brand. The decision to operate globally under a single brand name ...
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March 19, 2003
The rise in unemployment rates among more highly educated workers during the recent downturn resembles that of past recessions. However, it appears that workers with more education fared worse than in past downturns relative to less well educated workers.
Since the start of recession in the first quarter of 2001, the unemployment rate for those with less than a high school education rose by 2.1 percentage points and the rate among workers with a high school diploma but no college training rose 1.3 percentage points. These were unemployment rate increases of about one-third over their rates when the recession began.
In contrast, the unemployment rate of those with some college training rose by two-thirds (1.9 percentage points) and the rate for college graduates almost doubled as it rose 1.3 percentage points.
These data are from the Current Population Survey. For more information on labor market trends in 2002, see "U.S. labor market in 2002: continued weakness," Monthly Labor Review, February 2003.
Related Articles:
Bureau of Labor Statistics, U.S. Department of Labor, The Editor's Desk, All education levels affected by recent unemployment rise on the Internet at http://www.bls.gov/opub/ted/2003/mar/wk3/art03.htm (visited September 21, 2014).
This edition of Spotlight on Statistics examines labor productivity trends from 2000 through 2010 for selected industries and sectors within the nonfarm business sector of the U.S. economy. Read more »


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Unemployment by geographic region and division, November 2009
December 29, 2009
In November, the West reported the highest regional jobless rate, 10.6 percent, while the Northeast recorded the lowest rate, 8.7 percent.
Over the year, all four regions registered significant rate increases, the largest of which was in the West (+3.4 percentage points).
Among the nine geographic divisions, the Pacific continued to report the highest jobless rate, 11.6 percent in November. The East North Central recorded the next highest rate, 11.0 percent. The rate in the South Atlantic (10.0 percent) was the highest in its series. (All region, division, and state series begin in 1976.)
The West North Central registered the lowest November jobless rate, 7.2 percent, followed by the West South Central, 7.7 percent.
All nine divisions had significant over-the-year rate increases, with the largest of these occurring in the Pacific (+3.7 percentage points), East North Central (+3.6 points), and East South Central (+3.5 points).
Michigan (in the East North Central division) again recorded the highest unemployment rate among the states, 14.7 percent in November. The states with the next highest rates were Rhode Island (in the New England division), 12.7 percent, and California (in the Pacific division), Nevada (in the Pacific division), and South Carolina (in the South Atlantic division), 12.3 percent each.
These data are from the Local Area Unemployment Statistics program and are seasonally adjusted. For more information, see "Regional and State Employment and Unemployment — November 2009" (HTML) (PDF), news release USDL 09-1535.
Bureau of Labor Statistics, U.S. Department of Labor, The Editor's Desk, Unemployment by geographic region and division, November 2009 on the Internet at http://www.bls.gov/opub/ted/2009/ted_20091229.htm (visited September 17, 2014).
Spotlight on Statistics: Productivity
This edition of Spotlight on Statistics examines labor productivity trends from 2000 through 2010 for selected industries and sectors within the nonfarm business sector of the U.S. economy. Read more »


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Nisswa City Council discusses abatement bond items
The Nisswa City Council met Wednesday, Nov. 28, to talk about items to include in a possible $500,000 abatement bond in 2013.
An abatement bond is a bonding authority cities can use for capital improvement projects. The city would possibly bond for $123,900 for park and recreation projects, $108,794 in Nisswa Community Center improvements and $260,000 for public restrooms on Main Street.
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Primary Care, Gibbsboro is a member of the CHOP Care Network. We are committed to providing the highest quality care for your children.
All of our physicians are all Board Certified Pediatricians and fellows of the American Academy of Pediatrics (FAAP). Our physicians are active members of the medical staff at The Children's Hospital of Philadelphia.
In addition, each of the practice's physicians are active members of the medical staff for our local community hospital, Virtua Voorhees. The pediatricians are available to provide care for infants in the newborn nursery at both of these institutions.
If you have questions concerning such care, or would like to arrange a prenatal appointment to discuss your child's care, please call the office and our staff would be happy to answer your questions or arrange a prenatal appointment with the clinician of your choice.
For children and adolescents requiring hospital admission, we maintain close contact with the pediatric staff at all of the local pediatric hospitals. Historically, most of our patients choose to use the facilities of The Children's Hospital of Philadelphia or Virtua Voorhees.
Our physicians offer evidence-based approach for diagnosing and managing concussions in children. Our approach emphasizes the importance of early cognitive rest and individualized step-by-step "return to learn" and "return to play" programs. As part of your child's evaluation, we may perform balance and oculomotor (eye movement) exams, as well as computerized neurocognitive testing (i.e. ImPACT).
ImPACT is a baseline test that is taken before a concussion has occurred. If your child experiences a concussion, the ImPACT post-injury test results are compared to the baseline ImPACT test. The results of the ImPACT test can be used as part of a comprehensive evaluation to guide "return to learn" and "return to play" decisions.
Learn more about concussions and CHOP's approach to managing concussions in kids.


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