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Our research to date has resulted in the development of a control architecture that supports four distinct modes of remote intervention:
Teleoperation: We have taken the interaction substrate used in previous INL teleoperated robotic systems and revamped it through feedback with people who have deployed such systems. Within teleoperation mode, the user has full, continuous control of the robot at a low level. The robot takes no initiative except to stop after a specified time if it recognizes that communications have failed. Because the robot takes little or no initiative in this mode, much work has gone into providing appropriate situation awareness to the user using perceptual data fused from many different sensors. A tilt sensor provides data on whether the robot is in danger of overturning. Inertial effects (measured using a DMU) and abnormal torque on the wheels (not associated with acceleration) are fused to produce a measure of resistance as when the robot is climbing over or pushing against an obstacle. Even in teleoperated mode, the user can choose to activate a resistance limit that permits the robot to respond to high resistance and bump sensors. Also, a specialized interface provides the user with abstracted auditory, graphical and textual representations of the environment and task.
Safe Mode: User directs movements of robot, but the robot takes initiative to protect itself. In doing so, this mode allows the user to issue motion commands with impunity, greatly accelerating the speed and confidence with which the user can accomplish remote tasks. The robot assess its own status and surrounding environment to decide whether commands are safe. For example, the robot has excellent proprioception and will stop its motion just before a collision, placing minimal limits on the user. The robot notifies the user of environmental features (e.g. box canyon, corner, hallway), immediate obstacles, tilt, resistance, etc. and also continuously assesses the validity of its diverse sensor readings and communication capabilities. The robot will refuse to undertake a task if it does not have the ability (i.e. sufficient power or perceptual resources) to safely accomplish it.
Shared Control: The robot takes the initiative to choose its own path, responds autonomously to the environment, and works to accomplish local objectives. This initiative, however, is primarily reactive rather than deliberative. In terms of navigation, the robot responds only to its local (~ 6-meter radius), sensed environment. Although the robot handles the low-level navigation and obstacle avoidance, the user supplies intermittent input, often at the robot's request, to guide the robot in general directions. The problem of deciding when the robot should ask for help has been a major line of HRI enquiry and will be a major issue in our upcoming human subject experiments. One of the most challenging efforts thus far has been developing a "Get Unstuck" behavior that allows the robot to autonomously extricate itself from highly cluttered areas that are difficult for a remote operator to handle.
Full Autonomy: The robot performs global path planning to select its own route, requiring no user input except high-level tasking such as "follow that target" or "search this area (specified by drawing a circle around a given area on the map created by the robot)." For all these levels, the intelligence resides wholly on the robot itself — no off-board processing is necessary. To permit deployment within shielded structures, we have developed a customized communication protocol, which allows very low bandwidth communications to pass over a serial radio link only when needed. The interface itself then unfolds these simple packets into a comprehensive interface. The system will use at least three separate communications channels with the ability to reroute data when one or more connection is lost. A critical issue for further research is if, when and on what basis we should allow the robot to recognize operator inefficiency or lack of input and autonomously adjust its own level of autonomy.
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Fill application out completely and return application and fee in person (applications cannot be submitted electronically) to the office of the Metropolitan Beer Permit Board between the hours of 8:00 a.m. and 3:30 p.m., Monday through Friday.
All fees are payable by Cash, Cashier Check, Money Order or Credit Card
Beer Permit Application - $250
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Our best selling Playbill design turned into a charming photo save the date. Sure to create much ado about your pending celebration!
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Read what our customers say about our Personalized Family Christmas Ornaments and their shopping experience!
1/20/2012 -"Just wanted you to know that I am very pleased with my order. Not only were you fast with fulfilling the order, but they look fantastic. You did the personalization exactly like I wanted which I was a little unsure you would be able to do! Thank You Mary S."
2/6/2013 -"Dianne, The reason behind ordering ornaments from your company last year was because my husband has cancer. Due to his illness we had to sale the home in which our children were raised and move to town. So last year we asked each one of our children to give an ornament for our family tree that reminded them of life on the farm. In doing so my husband and I also made of list of special events we shared on the farm. The bottle of wine ornament represented the special Christmas night when he proposed, the wedding couple represented our wedding day, the movie tickets was a reminder of the Tuesday nights when I would purchase the new Walt Disney releases and we would shut off the lights and have movie night as a family. The young lad working crosswords reminds us of every puzzle in every newspaper my husband would complete. The ornaments were beautiful, the engraving was nicely done and we really enjoyed them and will always cherish the memories that each ornament represents in our lives. The only problem I had was some of them were a bit too heavy for the tree branches but I put them on the bottom of the tree and it done fine. Thank you for the ability to let our life live on in our memories. Loretta"
10/29/2012 -"Hi Debbie - I just wanted to let you know that I received my shipment this weekend, and everything looks so great. The snowman family with the arrow and due date turned out wonderfully. We really love it. Thank you for all of the extra attention you gave me and this order! Kind regards, Ellen W."


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409 Mill St, Mount Pleasant, SC | Directions 29464-435032.791863 -79.878775
Monday-Saturday 10:00 AM - 6:00 PM
Go to Studio R for your important printed materials – Unprofessional. I had to change a font on a wedding invitation and had sent an email telling them to pick one for me if I didn't have time to swing by and look at the options myself (why not, I'd get a proof right?-wrong). I actually did have a few minutes to come to the store and look at the options and picked one out. Turns out the associate just sent it to print without ever asking me if I was ready for it to print! She obviously had questions about whether I had wanted another proof, because she had sent an email asking that earlier in the day, but I hadn't gotten it yet. I told her at my visit I hadn't looked at my emails yet when she informed me she had sent me one. Unusual with that information she didn't ask me her question verbally in the store or wait for my email response. After all why would she do something as important as a final print on expensive invitations without a clear and final question asking me about it first, right? I pre-paid over $800 for these invitations and she made a decision without me ever answering questions about the next move or seeing the changes I picked out. I believe that she made a mistake and now she refuses to be held accountable; expecting me to pay for a "fix" ($50 at cost re-do). She claims when I was in the store I said "oK" and that was her cue to print. The question about another proof or printing NEVER came out of her mouth. I was in a hurry, pricked a font and left. I'm sure I said "ok I'll talk to you later" or "ok, thanks for your help". Ok is also not an answer to "are you ready for these to be printed?" or "do you want another proof?" That answer is typically "YES". FYI: I had previously dealt with Studio R downtown for my save the dates. Every change was sent with a proof ( and there were at least 3) and the written agreement was explicit about requiring the words out of my mouth "print" before they were printed-- and that was for only a $200 print job. The girls there are much younger than the scratch pad, yet way more experienced. They even sent me an email asking how my invitations were going 3 months later. Don't put yourself through the hassle of the "cheaper" stationary store! It will cost you more in the long run-or just be prepare for associates who won't think! I will not be recommending them to anyone.
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Greene King Local Pubs
A little something for everyone
Greene King Local Pubs are at the heart of communities across England and Wales.
You can find Greene King Local Pubs in towns and cities across England and Wales, providing a little something for everyone. Whether you're looking for a community pub to catch up with friends, the best place to watch sport or a drink with colleagues after work we've got the perfect spot for you.
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Greene King Local Pubs website
Find a Greene King Local Pub near you and see our special offers and menus at the Greene King Local Pubs website.
Hungry Horse
Hungry Horse pubs have an enviable reputation for great-value food and a warm, friendly welcome.
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Blog Tags: Ocean Victories
CEO Note: Let's Be Thankful for Ocean Victories
This week, we celebrate Thanksgiving in the United States. It's a time to appreciate and reflect upon the good tidings of the past year.
We've had a great year at Oceana, with numerous policy achievements accomplished for the oceans around the world. I'd like to take a moment to express my thanks for some of our more recent news.
- The two-year anniversary of our office in Belize was Nov. 15. In that short time, our Belizean colleagues have accomplished several historic ocean victories, from banning trawling in the country's waters to protecting local fishermen from industrial fishing fleets from other countries.
- We continue to win victories for sharks around the world. This week, Florida approved a new rule that fully protects tiger and hammerhead sharks.
- Outside Magazine named Oceana as one of 30 nonprofits who deserve your dollars in what they call "The Year of Giving Adventurously."
Lastly, of course, I am thankful for all the individuals, foundations and companies who have continued to support Oceana over the years. You have made it possible for us to secure meaningful, positive changes for the oceans. Thank you.
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Ski Area Facilities and Operations
Chapter 296-59 WAC
WAC 296-59-115 Ski lift facilities and structures.
(1) Existing ski lift facilities and structures shall not be required to be retrofitted with standard construction work platforms, walkways, stairs or guardrails on exterior surfaces when such features would add significantly to snow loading considerations. When such standard protective features are omitted, alternative personal protective measures shall be used where possible. Examples include but are not limited to: Safety belt and lanyard, ladder climbing safety devices, temporary work platforms or scaffolds, temporary or removable handrails, guardrails, or walkways.
(2) Snow removal.
(a) During the operating season, standard guardrails which would interfere with snow removal may be omitted in areas where it can be anticipated that frequent snow removal will be necessary to maintain operability of ski lift apparatus. Examples could include but are not limited to the motor house roof or loading and unloading areas.
(b) Personnel barricades, signs, or other devices shall be used to deflect traffic or warn personnel of existing fall hazards.
(3) All ski lift towers installed after the effective date of this standard shall be equipped with permanent ladders or steps which meet the following minimum requirements:
(a) The minimum design live load shall be a single concentrated load of two hundred pounds.
(b) The number and position of additional concentrated live load units of two hundred pounds each as determined from anticipated usage of the ladder shall be considered in the design.
(c) The live loads imposed by persons occupying the ladder shall be considered to be concentrated at such points as will cause the maximum stress in the structural member being considered.
(d) The weight of the ladder and attached appurtenances together with the live load shall be considered in the design of rails and fastenings.
(e) All rungs shall have a minimum diameter of three-fourths inch.
(f) The distance between rungs on steps shall not exceed twelve inches and shall be uniform throughout the ladder length. The top rung shall be located at the level of the landing or equipment served by the ladder.
(g) The minimum clear length of rungs or steps shall be sixteen inches on new installations.
(h) Rungs, cleats, and steps shall be free of sharp edges, burrs, or projections which may be a hazard.
(i) The rungs of an individual-rung ladder shall be so designed that the foot cannot slide off the end. (A suggested design is shown in Figure D-1, at the end of this section.)
(j) Side rails which might be used as a climbing aid shall be of such cross sections as to afford adequate gripping surface without sharp edges or burrs.
(k) Fastenings. Fastenings shall be an integral part of fixed ladder design.
(l) All splices made by whatever means shall meet design requirements as noted in (a) of this subsection. All splices and connections shall have smooth transition with original members and with no sharp or extensive projections.
(m) Adequate means shall be employed to protect dissimilar metals from electrolytic action when such metals are joined.
(n) Welding. All welding shall be in accordance with the "Code for Welding in Building Construction" (AWS D1.0-1966).
(o) Protection from deterioration. Metal ladders and appurtenances shall be painted or otherwise treated to resist corrosion and rusting when location demands.
(4) Installation and clearance.
(a) Pitch.
(i) The preferred pitch of fixed ladders is between the range of seventy-five degrees and ninety degrees with the horizontal (Figure D-4).
(ii) Substandard pitch. Fixed ladders shall be considered as substandard if they are installed within the substandard pitch range of forty-five and seventy-five degrees with the horizontal. Substandard fixed ladders are permitted only where it is found necessary to meet conditions of installation. This substandard pitch range is considered as a critical range to be avoided, if possible.
(iii) Pitch greater than ninety degrees. Ladders having a pitch in excess of ninety degrees with the horizontal are prohibited.
(b) Clearances.
(i) The perpendicular distance from the centerline of the rungs to the nearest permanent object on the climbing side of the ladder shall be thirty-six inches for a pitch of seventy-six degrees, and thirty inches for a pitch of ninety degrees (Figure D-2), with minimum clearances for intermediate pitches varying between these two limits in proportion to the slope.
(ii) A clear width of at least fifteen inches shall be provided each way from the centerline of the ladder in the climbing space.
(iii) The side rails of through or side-step ladder extensions shall extend three and one-half feet above parapets and landings.
(A) For through ladder extensions, the rungs shall be omitted from the extension and shall have not less than eighteen nor more than twenty-four inches clearance between rails.
(B) For side-step or offset fixed ladder sections, at landings, the side rails and rungs shall be carried to the next regular rung beyond or above the three and one-half feet minimum.
(iv) Grab bars shall be spaced by a continuation of the rung spacing when they are located in the horizontal position. Vertical grab bars shall have the same spacing as the ladder side rails. Grab bar diameters shall be the equivalent of the round-rung diameters.
(v) Clearance in back of ladder. The distance from the centerline of rungs, cleats, or steps to the nearest permanent object in back of the ladder shall be not less than seven inches, except that when unavoidable obstructions are encountered, minimum clearances as shown in Figure D-3 shall be provided.
(vi) Clearance in back of grab bar. The distance from the centerline of the grab bar to the nearest permanent object in back of the grab bars shall be not less than four inches. Grab bars shall not protrude on the climbing side beyond the rungs of the ladder which they serve.
(c) The step-across distance from the nearest edge of a ladder to the nearest edge of the equipment or structure shall be not more than twelve inches, or less than two and one-half inches. However, the step-across distance may be as much as twenty inches provided:
(i) The climber is wearing a safety belt and lanyard; and
(ii) The lanyard is attached to the tower structure before the climber steps off the ladder.
(5) Ski lift towers are not required to be equipped with ladder cages, platforms or landings.
(6) Maintenance and use.
(a) All ladders shall be maintained in a safe condition. All ladders shall be inspected regularly, with the intervals between inspections being determined by use and exposure.
(b) When ascending or descending, the climber must face the ladder.
(c) Personnel shall not ascend or descend ladders while carrying tools or materials which could interfere with the free use of both hands.
(7) Personnel shall be provided with and shall use ladder safety devices or safety belt and lanyard whenever feasible.
(8) Personnel shall not place mobile equipment or personal equipment such as skis, ski poles, or large tools within the falling radius of the lift tower while climbing or working on the lift tower.
(9) Ski lift towers and terminals are not required to be equipped with sheave guards on the haulrope wheels.
(10) Ski lift towers are not required to be equipped with work platforms.
(11) Personnel shall use personal protective equipment such as a safety belt and lanyard when working at unprotected elevated locations. Exception to this requirement shall only be permitted for emergency rescue or emergency inspection if a safety belt and lanyard is not immediately available. Required personal protective equipment shall be made available as quickly as possible.
(12) When fixed ladders on towers do not reach all the way down to the ground or snow level, a specifically designed and constructed portable ladder shall be used for access to and from the fixed ladder. Portable ladders shall be constructed and maintained to the following requirements:
(a) The portable ladder shall be constructed in accordance with applicable provisions of subsection (3) of this section.
(b) The portable ladder shall be constructed with a minimum of two attachment hooks near the top to be utilized for securing the portable ladder onto the fixed ladder.
(c) The attachment hooks shall be installed to support the portable ladder near the fixed ladder siderails.
(d) Rungs or steps on the portable ladder shall be spaced to be identical with rungs or steps on the fixed ladder when the portable ladder is attached for use. The design criteria shall be to achieve a horizontal plane relationship on the top (walking surface) portion of both steps when overlapping is necessary.
(e) The portable ladder shall be equipped with a hold-out device near the bottom to assure clearance behind the steps as required by subsection (4)(b)(v) of this section.
Figure D-1
Figure D-2
Figure D-3
Figure D-4
[Statutory Authority: Chapter 49.17 RCW. 88-14-108 (Order 88-11), § 296-59-115, filed 7/6/88.]
WAC 296-59-120 Ski lift operations.
(1) Operators.
(a) Only trained and qualified lift operators shall be permitted to operate any lift while it is carrying passengers.
(b) Management designated trainees shall only be permitted to operate a lift while under the direct supervision of a qualified operator or trainer.
(c) Initial training of operators shall be accomplished when the lift is not carrying passengers.
(d) Operator training shall include:
(i) Standard and emergency start-up procedures;
(ii) Standard and emergency stopping procedures;
(iii) Lockout procedures;
(iv) Corrective actions for operating malfunctions;
(v) Specific instructions on who to contact for different kinds of rescue emergencies;
(vi) Specific instructions on standard operating procedures with respect to the hazard of loading or unloading passengers proximate to the moving lift chairs.
(2) Operators and helpers shall prepare and maintain the loading and unloading work stations in a leveled condition and, to the extent possible, free from slipping hazards caused by ice, ruts, excessive snow accumulation, tools, etc.
(3) Daily start-up procedure.
(a) Loading station operators shall test all operating controls and stopping controls before permitting any personnel or passengers to load on the lift.
(b) The lift must travel a distance of two times the longest tower span before any employee can load on a chair to go to the remote station.
(c) A qualified operator shall be the first passenger on each lift each day.
Exception: The avalanche control team and the emergency rescue team may use any operable lift at anytime for that work. They may use lifts without a remote operator provided that direct communications are maintained to the operator and the operator has successfully completed normal daily safety and operating control checks at the operating station in use.
(d) Enroute to the remote station, the remote operator shall visually inspect each tower as the chair or gondola proceeds to the remote station.
(e) The remote operator shall stop the system when he/she has reached the remote control station. The operator shall then conduct the daily safety and operating control checks on the remote station.
(f) The remote operator shall ensure that the unloading area is groomed to adequately accommodate normal unloading.
(g) When all controls are checked and functioning correctly and the unloading area is prepared, the remote operator shall communicate to the operator that the system can be placed in normal operation.
(4) Operators shall report to their work station wearing adequate clothing for inclement weather which may be encountered. This requirement shall include reasonably water resistant footwear which shall have a slip resistant sole tread.
(5) While the lift is in operation and carrying passengers, operators shall not permit any activity in the loading/unloading areas which could distract their attention from the principle duty of safely loading or unloading passengers.
(6) Means of communication shall be maintained between the top operator and bottom operator stations.
Statutory Authority: Chapter 49.17 RCW. 88-14-108 (Order 88-11), § 296-59-120, filed 7/6/88.]
WAC 296-59-125 Ski lift aerial work platforms.
(1) Construction and loading.
(a) All aerial work platforms shall be constructed to sustain the permissible loading with a safety factor of four. The load permitted shall be calculated to include:
(i) The weight of the platform and all suspension components;
(ii) The weight of each permitted occupant calculated at two hundred fifty pounds per person including limited handtools;
(iii) The weight of any additional heavy tools, equipment, or supplies for tasks commonly accomplished from the work platform.
(b) The floor of the platform shall not have openings larger than two inches in the greatest dimension.
(c) The platform shall be equipped with toeboards at least four inches high on all sides.
(d) Guardrails.
(i) The platform shall be equipped with standard height and strength guardrails where such guardrails will pass through the configuration of all lifts on which it is intended to be used.
(ii) Where guardrails must be less than thirty-six inches high in order to clear carriages, guideage, etc., guardrails shall be as high as will clear the obstructions but never less than twelve inches high.
(iii) If the work platform is equipped with an upper work level, the upper level platform shall be equipped with a toeboard at least four inches high.
(iv) Each platform shall be equipped with a lanyard attachment ring for each permissible occupant to attach a safety belt lanyard.
(v) Each lanyard attachment ring shall be of such strength as to sustain five thousand four hundred pounds of static loading for each occupant permitted to be attached to a specific ring.
(vi) Attachment rings shall be permanently located as close to the center balance point of the platform as is practical.
(vii) The rings may be movable, for instance, up and down a central suspension rod, but shall not be completely removable.
(e) Platform attachment.
(i) The platform shall be suspended by either a standard wire rope four part bridle or by solid metal rods, bars, or pipe.
(ii) The attachment means chosen shall be of a type which will prevent accidental displacement.
(iii) The attachment means shall be adjusted so that the platform rides level when empty.
(f) Maintenance.
(i) Every aerial work platform shall be subjected to a complete annual inspection by qualified personnel.
(ii) The inspection shall include all structural members, welding, bolted or treaded fittings, and the suspension components.
(iii) Any defect noted shall be repaired before the platform is placed back in service.
(iv) A written record shall be kept for each annual inspection. The record shall include:
(A) The inspector identification;
(B) All defects found;
(C) The identity of repair personnel;
(D) Identity of the post-repair inspector who accepted the platform for use.
(g) The platform shall be clearly identified as to the number of permissible passengers and the weight limit of additional cargo permitted.
(i) Signs shall be applied on the outside of each side panel.
(ii) Signs shall be maintained in clearly legible condition.
(h) Unless the side guardrail assembly is at least thirty-six inches high on all sides, signs shall be placed on the inside floor or walls to clearly inform all passengers that they must use a safety belt and lanyard at all times when using the platform.
(2) Work platform use.
(a) Platforms shall be attached to the haulrope with an attachment means which develops a four to one strength factor for the combined weight of the platform and all permissible loading.
(b) The haulrope attachment means shall be designed to prevent accidental displacement.
(c) Trained and competent personnel shall attach and inspect the platform before each use.
(d) Passengers shall be provided with and shall use the correct safety harness and lanyard for the intended work.
(e) Any time a passenger's position is not protected by a standard guardrail at least thirty-six inches high, the individual shall be protected by a short lanyard which will not permit free-fall over the platform edge.
(f) When personnel are passengers on a work platform and their work position requires the use of a safety harness and lanyard, the lanyard shall be attached to the work platform, not to the haulrope or tower.
(g) Work platform passengers shall face in the direction of travel when the lift is moving.
(h) Tools, equipment and supplies shall be loaded on the platform in such a fashion that the loaded platform can safely pass all towers and appurtenances.
(i) Heavy tools, equipment or supplies shall be secured in place if they could fall over or roll within the platform and create a hazard for passengers.
(j) When the work crew is traveling on the work platform, the lift shall be operated at a speed which is safe for that particular system and the conditions present.
Note: See Appendix 2 for operating procedure requirements.
[Statutory Authority: Chapter 49.17 RCW. 88-14-108 (Order 88-11), § 296-59-125, filed 7/6/88.]
WAC 296-59-130 Ski lift machinery guarding.
(1) Moving machine parts that are located within normal reach shall be fitted with safety guards in compliance with chapter 296-806 WAC, Machine safety.
(a) The coupling apparatus for the ski lift emergency drive may be provided with a removable or swing guard.
(b) When removable or swing guards are used, the guard and mounting means shall be so designed and constructed as to sustain a two hundred fifty pound weight loading without displacement.
(2) All guards shall be maintained in good condition and shall be secured in place when the equipment is in operation except for inspection and adjustment purposes.
(3) The drive machinery and primary control apparatus shall be installed in a facility which can prevent access by unauthorized personnel. The access door shall have a sign which states that entry is restricted to authorized personnel.
[Statutory Authority: RCW 49.17.010, .040, .050, and .060. 04-14-028 (Order 01-12), § 296-59-130, filed 06/29/04, effective 01/01/05. Statutory Authority: Chapter 49.17 RCW. 88-14-108 (Order 88-11), § 296-59-130, filed 7/6/88.]
WAC 296-59-135 Appendix 1-Nonmandatory alternative lock-out procedure for ski lifts and tows.
(1) To ensure the safety of all personnel engaged in lift maintenance activities, we insist that the following procedure be strictly adhered to.
(a) Criteria.
(i) Equipment shall be deactivated and locked or tagged out before an employee is placed in a position where there is a hazard created by exposure to the components of ski lift or tows, equipment and/or systems.
(ii) This procedure relies on positive communication to indicate when lock-out safety is assured. At any time this crew is working at a location remote from the control station, this procedure shall be used by only one work crew whose members are working in close proximity to one another.
(iii) The operator and all potentially exposed employees shall have a positive means of communication at all times. If anyone loses the communication means, it shall be restored before exposure can occur or lock-out or tag-out can be broken.
(iv) Other radio transmissions breaking in or overriding the communications between control operator and remote work crew, if not controlled, can be a problem. There are considerations that should be followed:
(A) The first preferred method is to provide an isolated radio channel for communications between operator and remote work crew.
(B) If an isolated radio frequency is not possible, the entire area crew should be trained to recognize the radio conversation characteristics of this type of work to be notified when the work is in progress and be required to restrict use of their radios.
(v) All personnel working under this procedure shall be thoroughly trained in the specific procedures to be followed and their individual requirements. The ski lift or tow controls shall be under control of a fully qualified operator at all times.
(vi) Signs shall be posted in motor rooms on the control panel or the master disconnect stating "men working on lifts."
(vii) The control operator shall not leave the close proximity of the control station unless the master disconnect is thrown to the off position and padlocked.
(viii) The "standby drive" shall be locked out of service in such a manner that precludes the operation of the lift by jumping ignition, throwing a clutch, or hooking up a coupling, etc., whenever work is being performed on the equipment or system.
Methods for securing "standby drive" may be, but are not limited to the following:
(A) Removal to secure a location or locking up "standby" drive coupling chain, belts, etc.;
(B) Denying access to the standby motor by locking motor room door.
(ix) When the crew is working at either terminal in proximity of bullwheels, shafts, guideage, gears, belts, chains, etc., the master disconnect shall be thrown to the off position and padlocked.
(b) Work chair.
(i) Prior to crew loading on work chair, controls and communications shall be thoroughly checked to confirm that they are in good working condition.
(ii) The operator and work crew shall discuss and determine the safe speed for that particular lift. At no time shall the work chair travel around either terminal bullwheel except at a very slow speed.
(iii) Employees riding in the work chair shall face the direction of travel when chair is in motion.
(iv) Employees in work chair shall pay special attention to ensure that equipment or tools, etc., will not be entangled on towers, ramps, or terminals as work chair passes by.
(v) Safety belts are required and there is a designated device on each work chair to hook onto. At no time will it be allowed to hook onto the tower or tower equipment while in the work chair, or hook onto a moving part of the lift if standing on the tower.
(c) Operator and controls.
(i) Manual reset stop switches are required on all lifts. The operator shall check and confirm that the lift cannot be started from any control location when the stop switch is depressed. The operator will leave the stop switch depressed until remote crew directs that they are ready to move.
(ii) Communications between operator and remote work crew will be on name basis. This is especially important if there are other radio communications or other crews working on other lifts.
(2) Summation.
(a) If all these rules are adhered to, the operator can use the control circuit stop switch for repetitive type maintenance on towers. If the remote crew is to be at the location for some time, it is recommended that the operator throw the master disconnect switch to the off position and padlock it.
(b) A padlock on the disconnect switch is required when anybody is working on either terminal.
[Statutory Authority: Chapter 49.17 RCW. 88-23-054 (Order 88-25), § 296-59-135, filed 11/14/88.]


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Cornell Mycology Resources
Mycological Society of America
North American Mycological Assocation
David Fischer's AmericanMushrooms.com
Cornell Mushroom Blog
Stalking the Wild Mushroom (video)
The Evolution of Beer
What Put The Heat in Chili Peppers?
Bat Die-Off Mystery
A New Twist On Photosynthesis
The Science of Brewing Beer
The Cheese Chronicles
Green Your Lawn
Video Pick: We Like Lichens
The Science of Beer and Brewing
Rainfall Brings Bumper Crop Of Fungi
Behold the Mighty Water Bear (video)
Hunting The Wild Lichen (video)
by David W. Fischer, Alan E. Bessette
by Alan E. Bessette, David W. Fischer, Arleen Raines Bessette
An excerpt from Walden Warming.
A newly discovered mite from Ohio is reminiscent of the caterpillar-like dragons of Chinese New Year's fame.
An excerpt from A Window on Eternity.
The instrument is an early version of a training device popularized by optometrists.
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Investor Information
National Bank Securities Mutual Funds, Strategic Portfolios, Managed Portfolios and the Meritage Portfolios (collectively the "Funds") as well as National Bank Strategic Portfolios and National Bank Managed Portfolios (the "asset allocation services") are offered by National Bank Securities Inc., a wholly owned subsidiary of National Bank of Canada. Commissions, trailing commissions, management fees and expenses all may be associated with investments in the Funds and the use of asset allocation services. Please read the prospectus of the Funds before making an investment.
The performance data provided for money market funds assumes reinvestment of distributions only and does not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns. There can be no assurances that the funds will be able to maintain their net asset values per security at a constant amount or that the full amount of your investment will be returned to you.
The indicated rates of return for funds other than money market funds are based on the historical annual compounded total returns including changes in securities value and reinvestment of all distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns.
The indicated rates of return for an asset allocation service are the historical annual compounded total returns assuming the investment strategy recommended by the asset allocation service is used and after deduction of the fees and charges in respect of the asset allocation service. The returns are based on the historical annual compounded total returns of the participating funds including changes in securities value and reinvestment of all distributions and does not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder in respect of a participating fund that would have reduced returns.
The Funds' securities are not insured by the Canada Deposit Insurance Corporation or by any other government deposit insurer. The Funds are not guaranteed, their values change frequently and past performance may not be repeated.
"Meritage Portfolios®" and the Meritage Portfolios logo are trademarks of National Bank of Canada, used under license by National Bank Securities. All trademarks and logos of the mutual fund companies are their property. National Bank Securities Inc. is an authorized user.
NOTICE OF CHANGE OF AUDITORS - December 13, 2010
National Bank Securities Mutual Funds
Notice of change
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Raymond Chabot Grant Thornton LLP
Meritage Portfolios®
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Pursuant to Regulation 81-107 respecting the Independent Review Committee for Investment Funds, the Independent Review Committee (the "IRC") of the National Bank Securities Mutual Funds and Meritage Portfolios (collectively the "Funds") generally reviews conflict of interest matters submitted by National Bank Securities Inc., the manager of the Funds, which the manager confronts in operating the Funds and reviews and comments on the manager's written policies and procedures regarding such conflict of interest matters.
The IRC of the Funds assesses, at least annually, the adequacy and effectiveness of the following: the manager's policies and procedures regarding conflict of interest matters; any standing instruction the IRC has provided to the manager for the conflict of interest matters related to the Funds; the compliance of the manager and the Funds with any conditions imposed by the IRC in a recommendation or approval; any sub-committee to which the IRC has delegated any of its functions. In addition, the IRC reviews and assesses, at least annually, the independence and compensation of its members, as well as its effectiveness as a committee, and the contribution and effectiveness of each member. The IRC has a written mandate describing its powers, duties and standard of care. It prepares, at least annually, a report of its activities for the Funds' security holders.
The IRC is comprised of five members who are independent from the manager of the Funds and affiliates of the manager. The members of the IRC all have expertise in the financial services industry: Jean-François Bernier is Senior Vice-President and Managing Director of a securities brokerage firm. He was previously Director of Capital Markets for the Quebec Securities Commission (currently the Autorité des marchés financiers). Mr. Bernier has a background as a lawyer. Jean Durivage was the manager of institutional investor services for a securities brokerage firm, prior to which he was Senior Vice-President and corporate director of a major brokerage firm. André D. Godbout was Senior Executive Vice-President and a corporate director of a securities brokerage firm. He has an MBA and a background as a lawyer. Yves Julien, Chair of the IRC, is a corporate financial consultant and has held a number of executive positions in a securities brokerage firm. Jacques Valotaire is a Fellow of the Ordre des comptables agréés du Québec. Having first practiced as an auditor and a consultant, he later migrated towards the insurance industry, where he held several executive positions with a prominent Canadian property and casualty insurance group. Each member of the IRC receives an annual compensation and a per-meeting fee plus the reimbursement of expenses for each meeting of the IRC that the member attends. This compensation is set by the IRC. Such costs are allocated by the manager among all of the mutual funds managed by the manager and/or its affiliates in a manner that the manager considers fair and reasonable.
IRC reports to security holders:
National Bank Securities Mutual Funds - February 24, 2014
National Bank Securities Mutual Funds - February 24, 2014
Pursuant to exemptive relief obtained from Canadian Securities Administrators on March 1, 2010, National Bank Securities Mutual Funds may, subject to certain terms and conditions, invest in equity securities of a reporting issuer in the context of a private placement offering, during the period of a distribution and for the 60-day period following completion of the distribution, notwithstanding that a related underwriter has acted as underwriter in the offering of the same class of securities. A full copy of this ruling is available at www.sedar.com.
The provincial governments of British Columbia, Quebec and Alberta have adopted regulations requiring holders of unclaimed property to make reasonable efforts to find and contact their rightful owners, if their last known address is in one of these provinces. If the attempts made by the holders are unsuccessful, they must make the information concerning unclaimed property accessible to the public in order to facilitate its return to their owner.
In the event that the law might apply to you, in other words you are the owner of an unclaimed property; you may refer to the register of unclaimed property on the website of the province concerned:
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A photograph of jellyfish, printed in a limited edition and signed by the artist. The image is full of precise detail but has a beautiful sense of floating tranquility. Printed on luminescent pearl paper to enhance the image's natural glow and custom framed.
In the mesmerizing jellyfish photographs of his "Waves" series, the artist Steve Gorman captures the spirit of underwater life. Gorman is a lifelong lover of the surf and travels widely to capture his passion.


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GRADUATE SEMINAR IN COMMUNITY-BASED RESEARCH Syllabus
Contact Information
Course Learning Objectives
Information not required for this course type
Course DescriptionExplores faculty-community partnership in community-based research (CBPR), education, and practice. Seminar topics may include CBPR principles and ethics, coalition and partnership building, implementation, dissemination, translation and sustainability, media and marketing, advocacy, policy, cultural diversity, collaborative grant writing, and publishing. Speakers include faculty, Kellogg scholars, and community patrons. This seminar is open to all divisions in the University and community.
Intended AudienceStudents, post-docs and others interested in community-based research.
Methods of AssessmentEvaluations based on class participation.
Course Schedule
Please see the course Session for a full list of dates and items for this course.
Academic Ethics Code
Students enrolled in the Bloomberg School of Public Health of The Johns Hopkins University assume an obligation to conduct themselves in a manner appropriate to the University's mission as an institution of higher education. A student is obligated to refrain from acts which he or she knows, or under the circumstances has reason to know, impair the academic integrity of the University. Violations of academic integrity include, but are not limited to: cheating; plagiarism; knowingly furnishing false information to any agent of the University for inclusion in the academic record; violation of the rights and welfare of animal or human subjects in research; and misconduct as a member of either School or University committees or recognized groups or organizations.
Disability Support ServicesIf you are a student with a documented disability who requires an academic accommodation, please contact the Office of Student Life Services at 410-955-3034 or via email at firstname.lastname@example.com.


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Come attend four "open-house" meetings designed to help shape the city's future as part of a comprehensive city-county effort known as the Community Investments Plan.
Lace up your grubbiest shoes and meet down at Lawrence Dumont Stadium to clean up the Arkansas River from 9am - noon.
Download the registration page to speed up check-in.
Sign up for Citizens' Fire Academy and learn about fire and emergency medical operations in addition to promoting citizen interaction with WFD firefighters.
Accepting applications through April 22. Classes begin April 29.
Try a week-long theme camp tailored to your kid's unique interests. Registration going on now! Ages 6-13.
The City undertook an intensive community engagement effort to receive citizen input on the community survey results from the Community Investments Plan.
Read the 104-page survey report or the 3-page summary report.
Registration begins February 28 and classes begin the week of March 24.
Now accepting online registration for spring classes. Classes begin the week of March 24th.
Download your copy of the Spring 2014 Activities Guide.
Find out which streets in Wichita are snow emergency routes which allows snow plows to travel through according to Chapter 11.39.130 of the City ordinance.
Read the transcripts of previous Mayor's State of the City addresses (2008-2013).
View the list of City of Wichita buildings where Concealed Carry is not permitted.
The City of Wichita invites you to participate in a voluntary donation program to help those who are having difficulty paying their water bills.
Learn more about how the Mayor and fellow Wichitans are working to expand opportunities for local aviation manufacturers and create jobs for local workers.
Learn more about the vision for making Wichita a pedestrian-friendly city.
The Adopted 2014-2015 City Budget is now available in two parts: Volume 1 and Volume 2.
Watch our videos to see how the City of Wichita is "serving you, in many ways, everyday."
WSU recently conducted a survey to learn more about citizens' priorities about the future of the community.
Read the press release and take the trash hauler survey.
Watch the It's Time to Recycle PSA.
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CALL ALEX PRINSTER AT 720 394 3949 Â 1953 Jeep Willys Custom Hot Rod. 327 V8. Auto. Power Disc Brakes. Â ... More
This 1941 Willys Jeep 4x4 SUV features a 4 Cyl. 8cyl engine. It is equipped with a 3 Speed Manual transmission. The vehicle is... More
This 1946 Willys CJ2 Jeep w/ Trailer has a 134 C.I. Inline 4 Cylinder3 Speed Manual TransmissionLoaded w/ Accessories!1/4 Ton Trailer w/ BrakesUS Army... More
Willys 1947 Jeep CJ2A, solid Montana Jeep, very little rust; has not run last 40 years; complete; $3,500 or best offer. Rick Phillips, 208-939-8483,... More
Willys 1962 Jeep, rare, unique with 64,516 original miles, last year production (1962) of the Willys Jeep 4x4 wagon, excellent chrome, heater, luggage rack,... More
Willys-Kaiser 1966 Jeep CJ5, rare Tuxedo Park Mark IV, restored, high/low 4-wd; offered at the 17th Annual DE Foeller Sales Auction in Palmetto, FL,... More
1966 Jeep Mutt Willys. Ultra Rare. Frame off restoration. Machine Gun! Show Condition. All of the accessories. YEAR: 1966 ... More
1961 Willys Jeep CJ-5 Convertible 4x4 ``restoration``....nothing spared....just * 731 easy miles so far on the ``break-in``. New ``all terrain`` tires, ``Bikini Top``,... More
1946 Willys Jeep for sale in our Detroit showroom! This Jeep is a blast from the past! This Jeep for sale is an attention... More
WILLYS-KAISER: 1966 Jeep CJ5 Tuxedo Park Mark IV, prairie gold exterior, black vinyl seats, black vinyl top, black seatbelts, 225 ci Buick V6, 3-speed... More


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After hundreds of lonely years of doing what he was built for, the curious and lovable WALL-E discovers a new purpose in life when he meets a sleek search robot named EVE.
Wall·E Photo Mashup
Create a space mashup with Wall-E and Eve. Share your creation online or download for custom wallpaper and more.Play Game
Play Games
Play your favorite WALL·E games!


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Apparently, there is no pleasing you people.
The Orioles have been on a roll the past few weeks. They have climbed to the top of the American League wild-card standings and have inched surprisingly close to the first-place Yankees in the tough AL East. They have done it in ways so creative and counterintuitive that the rest of the baseball world considers their place among the top teams in the major leagues something of a mystery.
Of course, there is only one real mystery around here and that is the whereabouts of all the supposed Orioles fans who have been holding out for a winning team before returning to Camden Yards.
- Bio | E-mail | Recent columns
- Showalter: Bundy to remain with Bowie for playoff run
- 7 Orioles farmhands named to the 2012 AFL
- Tillman out-duels Sale as Orioles beat the White Sox, 6-0
- Notable first pitches at Camden Yards this year
- Orioles pictures: August
- Orioles in March and April 2014 [Pictures]
See more photos »
Camden Yards, 333 W Camden St, Baltimore, MD 21201, USA
Just 10,995 showed up on Monday night for the opener of a four-game series against the Chicago White Sox, who happen to be leading the AL Central right now and very possibly could be a playoff opponent if the Orioles continue along their merry way in this surprising season.
Sure, it was the first day of school for a lot of kids in the area, and you can string together all sorts of reasons why the O's drew their second-smallest home crowd of the year, but still, not even 11,000 fans showed up for a very important game against a highly competitive team just days before the start of the September stretch?
The excuse du jour when an announced 12,841 turned out Tuesday night was the ongoing preparations for this weekend's Grand Prix of Baltimore, which has turned the Camden Yards Sports Complex into something of a fortress, with new fencing around the parking lots and giant race barriers lining all the access roads to the ballpark. It is a bit intimidating and that might explain why some fans decided to avoid the area this week, but the tiny crowds are just another symptom of a fan malaise that is going to take more than one exciting season to cure.
Attendance has improved year over year, and the O's are on pace to draw about 2 million fans in the ballpark's promotion-studded 20th anniversary celebration, but some of the numbers are curious. They seemed to be gaining steam early in the summer, averaging 32,522 fans per home game in June, but their per-game average declined in July (25,450) and again in August (22,278 through Monday).
Even though the Orioles have raised their national stature and are on track to have their first winning season since 1997, they obviously have a lot more work to do to get fans back in the habit of coming to the ballpark. Getting to the playoffs for the first time in this century would help a lot, but it might take another year or more of winning baseball to put a big dent in the hard-earned cynicism of Birdland's silent majority.
"We've got to keep winning and keep winning for a long time and make them believe,'' center fielder Adam Jones said.
Jones and his teammates are well aware that their efforts have gone unacknowledged — at least in person — by a huge segment of the Orioles' once-faithful, but they also are determined not to let that affect their attitude toward the loyal fans who do show up at the ballpark regularly.
"I came out of the dugout [Monday] and I thought, 'wow,'" Jones said. "But, hey, the people who are here, we're going to bust our tails for you all. We know a lot of other people are watching. We know the MASN ratings are good. This is still a baseball town. I understand the whole 14 years thing, but we're doing something that could be something real special, and we want the fans to be part of it."
If the Orioles continue to win, they will most certainly come, but never in the numbers that passed through the turnstiles of the ballpark when it was still an architectural revelation in the late 1990s. The opening of M&T Bank Stadium took a lot of entertainment revenue out of the market, and the arrival of the Nationals drew away a significant number of Washington area O's fans. And, with the way the Orioles played over the past 14 years, it wasn't too hard to convince them to go elsewhere.
Showalter applauded the intensity of Monday night's small crowd after the Orioles set a record by winning their 13th consecutive one-run game. He expressed the hope on Tuesday that more and more fans will see what the Orioles are doing this year and want to join in the excitement, but he never thought it would happen overnight.
"It would be pretty presumptuous on anybody's part to think that they're going to trust us that quickly,'' he said.
Jones would like standoffish fans to set aside the past and join this team in what he hopes will be a much brighter future.
"We're going to keep playing hard for whoever comes,'' Jones said. "We know the [TV] ratings are good, but the fans need to know their physical presence at Camden Yards is important to us."
Read more from columnist Peter Schmuck in his blog, "The Schmuck Stops Here" on baltimoresun.com and listen when he co-hosts "The Week in Review" Fridays at noon on WBAL (1090AM) and wbal.com.Orioles Insider | Live scores | Photos | Baseball app


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Nokia sure tried hard to give us something new, but its mashup of Android, Windows Phone, and Asha gives its Nokia X phone limited powers and a nagging identity crisis.
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As long as you have the videos to watch, VLC's gesture controls and smooth performance make it an excellent app for video playback.
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The ZTE Source offers Cricket customers inexpensive LTE, but if you can spare a bit more money, pass it over for better devices.
Microsoft's decision to open-source more of its .Net platform didn't happen overnight, or even in the past few weeks. It was a move years in the making.
The Sony SmartWatch enters the realm of usability thanks to recent software updates, but it's still more smartphone accessory than solid standalone timepiece.
Experts caution that the notorious security bug heralds "open season on open source" and will force changes in how open-source code gets vetted as secure.
The company now is a board member of the Open Invention Network, which offers companies free access to patents as long as they don't sue others for using Linux.
For anyone looking for more reliable traffic data than Apple's and Google's stock maps applications, Waze is definitely worth a download.
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At MWC this year, ZTE showcased its 3G Open C handset, which will run Firefox OS 1.3.
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The Open II features a 2-megapixel camera and Firefox OS, and has its sights on emerging markets.
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Working4Youth Roundtable
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The Working4Youth Roundtable is a regular forum for representatives of agencies who have an interest and involvement in the Rotorua youth sector, including non-government organisations, central and local government agencies, schools, representatives of young people, and others.
Come to the Roundtable for opportunities to share information about what is happening in the sector, develop and strengthen relationships, and identify opportunities for shared projects on local issues that impact on young people.
Roundtables include updates from stakeholders, projects and working groups, presentations / discussion topics, and youth and community notices.
To add an item to the Roundtable agenda, email firstname.lastname@example.com


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201 Mill St, Occoquan
I shopped around in Northern Virginia, and Madigan's provided the best price for a catered reception. The site is smaller then most (comfortably sits ~75 people). It is upstairs…
125 Mill St, Occoquan
This is a great place to have lunch. They have very personal service, and everything is great! It seems like this is the only true "mom and pops" type place in the area. Everything…
301 Mill St, Occoquan
404 Mill St, Occoquan
3200 North Rdg Rd, Ellicott City
In ShortThe intoxicating smell of golden fries cooked to crispy perfection and succulent burgers sizzling on the grill permeates the space, while a lively chatting and munching…
303 Commerce St Ste A, Occoquan
301 Mill St, Occoquan
201 Union St, Occoquan
126 Commerce St Ste A, Occoquan
201 Union St, Occoquan


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West Henrico Customer Service Center
Save Money - Save a Trip
- A $5 fee may be added to each vehicle registration, driver's license and ID card renewal transaction conducted in DMV customer service centers. Avoid the $5 fee by renewing online, through the mail or over the phone (1-888-337-4782) . You may also avoid the $5 fee by renewing your vehicle registration at a DMV Select location.
- Renew your vehicle registration (decals) online and save $1.
- More than 25 other transactions may be conducted online.
Important Office Notices:
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A Pseudo-Life Annuity: Guaranteed Annual Income for 35 Years
by Robert Muksian
A portfolio allocation mix of 60% stocks and 40% bonds combined with an annual withdrawal equal to 4% of the initial portfolio amount and increased annually by an inflation rate is recommended to retirees by practitioners and scholars.
This strategy is based on research by Larry Bierwirth and William Bengen as a means of maintaining constant dollars of income during the remainder of one's lifetime, or 30 to 35 years in retirement. The 4% initial withdrawal rate in particular has become the benchmark for retirees.
Scholarly articles on this topic usually include a comprehensive literature search directing the reader to all the variations of asset mixes, modified withdrawal rates, or the combination of "safe savings rates" and "safe withdrawal rates." The "drawback" to all of the research is that there will always be risk associated with any funds invested in stocks, and therefore no equity-based strategy can offer a guarantee of extracting the full amount of the initial retirement portfolio before death.
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David Wilson from Maryland posted about 1 year ago:
I have an alternative that is a fraction of the complexity and is more predictable, conservative,stable, offers a higher return, flexibility, and protection on many levels.
It is a whole life policy purposely structured for high cash value and retirement income. My plan, started atage 48, with a 1035 exchange of $54k and 8k annual premiums. It will provide in 20 yrs $378k of tax free cash with an annual dividend of $7500 and rising each year. Had I known and understood the power of this plan and started this 20 yrs ago, my premiums would have been halved, and the cash would easily be over $1 million with a death benefit twice that!
One of the biggest benefits is the loan provision which provides for a "net zero" loan. I can borrow (4.7%) against the policy, not from it. Meaning, I am being paid interest and dividends on cash balance while money is loaned out essentially borrowing for free or even creating arbitrage situation. In fact, money is currently loaned out and utilized as downpayments on rental property which provides significant deductions and subsequent tax return to....pay annual premium!
Ronald from Maine posted about 1 year ago:
Your higher return and other features comes at the cost of increased risk, so may not be suitable for more risk-averse investors. Insurance companies have gone bankrupt, and defaulted on their obligations in the past. Countries have also gone bankrupt, but most likely the risk of a US default on treasury obligations is less than the risk of an insurance company default.
David from Maryland posted about 1 year ago:
I will agree with you Ron that there are in fact no absolutes nor is there a "perfect" investment.
My personal opinion is that the chance of my insurance company going bankrupt and defaulting on its obligations to policy holders is much less the risk incurred in a portfolio of bonds whose performance and solvency going forward in this current debt laden global economy is a risky and volatile proposition at best.
You do understand that states have in place pools of money to back up insurance companies in case of failure in order to protect policy holders.
Interesting tidbit from last market collapse. AIG, one of the biggest financial services companies in the world when it failed. It was the non insurance side of the business that failed. The solvency of the pure insurance side of the business was in tact.
I appreciate your thoughts Ron but will gladly take my chances here.
Craig from Virginia posted about 1 year ago:
I am not sure the risk of forfeiture is the biggest concern. Using a life insurance policy as a distribution vehicle can be tax-efficient. However, the projected distributions you list are probably supported by dividends, which are not guaranteed. Life insurance ledgers project the current year's interest rate indefinitely into the future. Dividend crediting rates have been declining due to the low interest rate environment. How would whole life policy perform if dividends were credited below the current interest rate? This type of sensitivity analysis might help quantify the risk in the contract. To check the sensitivity of distributions, it might be important to understand how the distributions would be impacted if dividends were reduced by 50 or 100 basis points.
David from Maryland posted about 1 year ago:
I agree with you Craig 100%. As I stated there are no absolutes and no perfect investment. But, with ALL things considered, I feel, personal opinion, that it is the most efficient use of dollars for the basis of a retirement plan. Now, would I recommend, or do I suggest this being the end all to retirement/financial planning? No, of course not but it is the foundation, for me!
I appreciate you thoughts!
James from Massachusetts posted about 1 year ago:
Maybe this approach is too complicated for me but - can someone explain how the $920,304 total cost in Table 2 is derived? Thanks j
Barry from Kansas posted about 1 year ago:
Anyone notice that the 2027 price is out of line?
Binoy from California posted about 1 year ago:
The math seems wrong.
At the given rates and with an outlay of $1 million, one cannot buy 30 years (let alone 35 years) of bonds that give off $40,000 income per year for the duration of 30 or 35 years.
One needs $999,183 to purchase just 25 years of bonds that mature each year to give income of $40,000 per year as spendable income.
...I used $60.1 as the purchase price for maturity year 2027 which is also wrongly given as $25 in thee table.
Daniel from Pennsylvania posted about 1 year ago:
The prices I am finding are not even close. Have they changed that much in three months or is there a much cheaper source than TDAmeritrade?
Robert (Author) from Rhode Island posted about 1 year ago:
Responses to:
David from Maryland.
I cannot make a meaningful response since I don't know the exact particulars of your whole life policy. By definition, one cannot outlive a whole life insurance policy, but it begs some questions. Will you need to pay the 8K premium for life? If so, the $7500 dividend is wiped out. If not, the premium will be extracted from the cash value, thereby reducing the base for future dividends. As you project now, the dividend is about 1.98% of the 378K projected cash value. Your use of loans against the cash value may create a nice arbitrage, but if not repaid, with interest, at your death, the death benefit will be reduced by the outstanding balance. If your rental properties are still mortgaged, will that death benefit liquidate the debt? My experience has been that those with significant wealth use life insurance to protect against estate taxes, not retirement income, but you may have a good thing going. Best wishes.
James from Massachusetts.
The $920,304 amount of Table 2 was derived as follows. The "Asking Prices" were extracted from the website source and placed in an Excel spreadsheet as a table with 30 vertical cells. These values were used by a link from a calculation worksheet and as such were never touched manually. Barry from Kansas noticed the "out of line" price for 2027 and quite frankly, I am at a loss for an explanation. The 30-line table would be too long for the publication so I reshaped it into Table 1 by cut and paste in the worksheet, but somehow I must have "finger-poked" the 25.00 into the table. I do apologize for not catching the error prior to submission. The asking price for May 15, 2027 was 60.401 and that value was used in the calculations. James, the arithmetic is as follows. The May 2012 asking price in Table 1 is 99.987 meaning that a $40,000 maturity will cost 0.99987 times 40000 or $39,995. The May 2016 asking price was 95.797 so a $40,000 maturity will cost 0.95797 times 40,000 or $38,319 and for two of them $76,638 would be required. The May 2041 asking price is 34.196 and a $40,000 maturity would cost 0.34196 times 40000 or $13,678. As you can see the further out the maturity: the deeper the discount. This approach is also somewhat conservative in that the in 2016, 2021, 2026, 2031, and 2036, it will not take $40,000 to purchase the income for 2042 to 2046, but I did not address that because the "asking prices' for those years would be unknown in 2012. The selected 30 line item calculations were transferred from the calculation worksheet to Table 2, again "automatically" so as not require and manual entry of numbers. (This is accomplished by visual basic programming behind the spreadsheet with the click of a button.) A Similar procedure was used for Table 3. Hope the foregoing is helpful.
Binoy from California.
I hope my response to James is helpful to you also. I have checked my calculations and get repeated results.
Daniel from Pennsylvania.
Apparently so. Relative to the values in Table 1, as of Friday, 6/22 the May 15, 2013 asking price is 99.883 with a yield of 0.12%, the May 15, 2027 asking price was 69.493 with a yield of 2.48% and the May 2041 asking price was 42.889 with a yield of 2.95. If I performed this analysis with the June 22 asking prices, the cost would be $969,956 for Table 2.
B from New York posted about 1 year ago:
If this is in an IRA account how does one calculate the RMD? Could I be forced to sell to take the RMD?
Jim from Illinois posted about 1 year ago:
It is an interesting approach. I think the risk of inflation would eat away at the purchasing power too much to make this an effective retirement plan though. I am still working and have twenty years to go until retirement but I think I might start a ladder for 20 years out once rates go above historic inflation levels.


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text: TTU'S JULY AMBASSADOR OF THE MONTH -- Shirlene Phy, a human ecology department secretary at Tennessee Technological University, is not only "a valuable asset to our school, college and university," said Leigh Southward, but she's an excellent friend. Southward, an assistant professor of human ecology, recently fell and broke her arm. "Shirlene took me to the emergency clinic and stayed in the treatment room with me. Having her there to keep my mind off the pain was a real blessing. She took me to the orthopedic specialist, then took me home and made sure I had something to eat before leaving me to return to work." Nomination forms for Tech Ambassador of the Month are available from the university's Personnel/Payroll Office in Derryberry Hall.


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Lenny will appear on The Queen Latifah Show today, November 18th 2013.
Visit http://bit.ly/1f8nbSc to see when the show is on in your area.
Check out the preview for Lenny's appearance on the show below.
Lenny will appear on The Ellen DeGeneres Show on Tuesday, November 12 to talk about The Hunger Games: Catching Fire, in theaters November 22.
For information on when you can watch Ellen in your area: http://bit.ly/QK69hF
For showtimes and ticket information for The Hunger Games: Catching Fire: http://hungrgam.es/CFtix
In case you missed his appearance, check out this clip from the show.
Lenny will star alongside Christopher Walken in 'Little Rootie Tootie', the upcoming film from writer-director Dan Algrant.
For more details visit: http://bit.ly/1arEdCL
Fred Segal, the California retailer owned by Sandow, will next year launch its first designer collaboration with Kravitz Design called Fred Segal x Kravitz Design
The offering will feature at least 10 unisex items spanning fashion accessories, clothing, travel accessories and a limited-edition motorcycle. Each item will be designed by Kravitz Design as envisioned by Lenny Kravitz. Prices range from $100 for accessories up to $100,000 for the limited-edition motorcycle.
Supporting the launch is Mark Styler Co. Ltd., which is opening several Fred Segal retail locations in Japan beginning next year. Fred Segal x Kravitz Design will be sold at Fred Segal stores in Tokyo and Los Angeles, as well as the Philippe Starck-designed SLS Las Vegas, where Fred Segal will open seven boutiques next year, including stores for women's, men's jeans, jewelry, shoes and home. The collection will also be sold at fredsegal.com.
"When we thought about launching Fred Segal's first designer collaboration in 50 years, we approached Lenny and his team at Kravitz Design," said Adam I. Sandow, chairman and chief executive officer of Sandow. "With his L.A. roots, sense of style and impeccable eye for design, Lenny really understands the Fred Segal brand and aesthetic. He was the perfect partner for our inaugural exclusive collection."
Sandow said the first products will be launched in the stores in the second quarter of next year. There will be 10 products on a rolling schedule over the course of 12 months. Eventually, they plan to build a wholesale business around it, starting in 2015, said Sandow.
The collection marks Kravitz Design's first collaboration with a retailer. "I grew up shopping at Fred Segal and have always felt connected to the brand and what it stands for — a vibe of laid-back luxury that resonates far beyond Los Angeles," said Kravitz, founder of Kravitz Design, who wears many hats as a rock musician, writer, producer, designer and actor. (He plays the role of Cinna in "The Hunger Games" films).Kravitz Design has done multiple projects ranging from chandeliers for Swarovski's Crystal Palace Collection to reinventing Starck's classic Kartell Mademoiselle chair. It has also designed suites at the SLS Hotel Miami Beach, as well as a two-story penthouse recording studio at the Setai Hotel and Residences and the 47-story bayfront condominium project Paramount Bay, both in Miami.
The deal between Fred Segal and Kravitz Design was brokered by Culture + Commerce, a Sandow company and design management agency that represents both brands.
"With a shared pulse on the latest trends and a background in California style, putting Kravitz and Fred Segal together was a natural connection," said Michele Caniato, president of Culture + Commerce.
Fred Segal, known for dressing celebrities, rock stars and locals, is rooted in Hollywood culture. Founded in 1961, the retailer was acquired by Sandow in 2012. Last month, it opened a 2,200-square-foot location at the new international terminal at Los Angeles International Airport. In the works are branded products, e-commerce and lifestyle destinations around the world, starting with Tokyo in fall 2014.
Sandow said Fred Segal plans to open another store in Los Angeles next year and is actively looking for space in Miami. As for the Los Angeles stores, he said, "Santa Monica is doing well, and Melrose is doing even better."Sandow said the Fred Segal store at LAX is the largest store in the airport, except for the multibrand duty-free mall. He noted that LAX is at 40 percent retail capacity and it's already exceeding expectations. Over the next 12 months, it will be at 100 percent capacity. "It's been a huge success so far," said Sandow. "Price does not seem to be a barrier," he said, citing strong sales with custom leather jackets by Gregory Siff retailing for between $2,000 and $3,000, and sunglasses by Anna-Karin Karlsson and Leisure Society, ranging in price from $600 to $900. He said the store is mostly catering to international travelers who are leaving Los Angeles. "They want to take a piece of L.A. home with them," he said.


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Check out this link...threw it together this morning during my free time(Easter break); just some things that help remind me why I'm doing what I'm doing...Hope it helps someone out there! :0)
You might have to install Java in order to view it. I hope it opens up for you! Silly computers sometimes...
Have a Great Day! :0)
DebMO :0) Blessed to be a Blessing...
That's awesomel MO. Thanks for taking the time to do that. :)
You're a gem. XO
that is really neat. nice job!!
© Abbott Laboratories,2013


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Point and Click Adventure games have always been near and dear to our hearts here at Gaming Irresponsibly. We were overjoyed when word got out the the unofficial resolution to the King's Quest series was finally going to be released in episodic content by it's creators at Phoenix Online Studios. Needless to say we were honored to have an opportunity to have a conversation with Cesar Bittar, Director and Designer of The Silver Lining and CEO of Phoenix Online.
Can you give us a brief history of Phoenix Online Studios?
CB: Phoenix Online first formed as Phoenix Freeware in 2002. By 2004, we dropped the "Freeware," legally registered the company, and became Phoenix Online Studios. It was formed by a group of fans who were unhappy after learning that the Sierra we knew and loved had dissolved and that there were no plans for a new entry in the King's Quest franchise. Through the years, people from every corner of the world, including the Netherlands, Australia, Sweden, the UK, Brazil, Venezuela, Canada, and the US among others, have become part of the team and have given their all to The Silver Lining.
These days, we often just go by Phoenix Online, and we are in the middle of a big transition as we become a fully functional and commercial company.
CB: We just simply couldn't let go of our childhood dreams, and, when we learned that there would be no more King's Quest, we decided to take matters into our own hands and do a final chapter. We wanted the series to go out with a bang. We felt it so deserved it. We had been together with this family for so many years and we felt that if we were to say goodbye to our heroes, it needed to be in a big way, a grand way, fitting of a Daventrian adventure.
What do you feel has been the greatest achievement in the production of TSL?
CB: I feel the fact that we've somehow been able to coordinate hundreds of people remotely to put together something so cohesive, all this while working in a volunteer way, it's an amazing achievement in itself. At times, I don't know how we've done it, and while it's true that it took us a long while to get there, we've learned so much in the process that we've managed to now responsibly meet our own goals. For example, in the past, the new material we put in Episode 3 would have taken years to put together, but we did it in the best part of 5 months. And all this while we recruited the people to do it, so, I'm sure that now we are ready to take on real productions and work full time on it. That is the value of our achievements: we now can make professional games as we move forward.
What influences (outside of the KQ series) have helped to shape TSL into the game it has become?
CB: I found The Longest Journey very influential when it came down to give me the crazy idea of making King's Quest very epic. Around the time we wrote the original script, Lord of the Rings was popular as the movies were just coming out, and I has been loving Final Fantasy for a few years. So there's where I drew most of my inspiration to say "OK, if I'm going to be spending the next I don't know many years of my life working on a project like this, it'll better be something that I'll fully enjoy, and to me, I've been aching for a more mature rendition of King's Quest, so, let's have at it!" In the end, we are making the game we want to make, and we are very happy with it.
What made you decide to go with episodic content, as compared to a full game release?
CB: Having worked at Telltale for a period of time, I learned that the episodic content was not only a great way to market a game, but also an amazing way to keep production focused on chunks of work at a time (as opposed to the full game). Things become easier and more manageable. From a marketing point, your game stays in the news for the whole duration of the production. And from a customer perspective, it gives us a chance to be able to listen to what the fans want and include these changes as we update the build and release the following episode. So it's a win-win situation in every way you see it.
The remaining episodes seem to be slated to release this year – what are your plans after wrapping up TSL?
CB: Right now, we have so many windows open and so many possibilities that is a little too premature to say what comes next, but I can tell you that it's going to be big. Having been at GDC this year gave us the opportunity to connect with many people in the industry who'd seen or heard of what we are doing, and there's a lot of interest going around for what we can cook next. So, like I said, we are still juggling things and deciding on our next step while we work on a few prototypes for different games, but a lot is happening internally!
On a personal level, what games are you playing right now?
CB: I actually caught a whiff of nostalgia, so I was playing the Legend of Kyrandia 1 and 2. Other than that, I have a huge piles of games I always want to play — I'm a very hardcore gamer. I've been trying to play Dragon Age and Mass Effect 2 for years now, but I never seem to have the time now to play such immersive games. I do better with DS games these days — I was playing some Mega-Nan games recently, or adventure games. I recently played Gray Matter, by the incredible mind of Jane Jensen, and was so excited to experience a new game from the woman that brought to me my favorite series ever, the Gabriel Knight games.
What are your favorite moments in KQ history? I'd have to go with the zombie house in KQ IV.
CB: King's Quest 7 as a whole reminds me of Christmas. But as for special moments, I remember curing the dragon in King's Quest 7 was very cool, and the whole chase scene from the ending of King's Quest 6 as you went up the stairs was amazing. Also, flying on Nightmare to the lands of the dead was very cool!
After creating a title, do you still have a good time playing it?
CB: Yes! I like to sit back and enjoy these titles as a final creation, and experience all the details that went into finalizing them. I sometimes will also replay Episode 1 just for kicks. It keeps me grounded and reminds me of what we are capable of doing.
Are there any shout-outs or special mentions that you would like to make? Any sites you would like to bring attention to?
CB: We'd like to thank everyone who's been so supportive of our project throughout the years. Not everyone can say that they've gone out of a cease and desist twice and that's only happened because of our incredible fans and because of the support from the press. So, a thousand times thank you!
Once again, we would like to thank Cesar Bittar and Phoenix Online Studios for taking the time to answer our questions. Make sure you do yourself a huge favor and swing by their site to play the first 3 episodes of The Silver Lining as well!