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Join us for this year's "Eco-Heroes Awards", where students help to celebrate the achievements of animals from around the globe. As the nominees for each different category are presented, their status as eco-heroes is explained!
"Eco-Heroes Awards" connects with the following Next Generation Sunshine State Standards:
$325 for the first show and $250 each additional same-day show.


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This was worth the price absolutely. Only took two coats and it stayed on nicely. Taking the polish off wasn't as difficult as I thought; it peeled right off. Oh and it's beautiful. Got so many compliments.
I have been eyeing this polish for a while and finally coughed up the money to get it. It took about 3 coats to cover evenly and is really pretty! The polish is on the thin side but I think it has to be so that you can see the glitter through the layers. The only thing I am disappointed about is that it is already chipping after one day. I didn't put a base coat but did use a quick drying polymer top coat.
This polish is a little on the pricey side. I normally purchase OPI but loved the color so I splurged for this one. While I love the color I was not pleased with the durability of the polish. It tends to chip easily.
I bought this from the photo and thought it would be a bit thicker. It's runs a little thinner than I would have liked. Still a cute idea and I plan on wearing it in the Spring.
I love the color of this polish. The only negatives are the price and that it's pretty difficult to remove. The glitter pieces aren't easily removed with polish remover.
The price is worth it for the quality of this glitter polish. It goes on so evenly and smoothly, it is incomparable to others.
I love this color. It really is reminiscent of mint chocolate chip ice cream. So fun for the summertime! I applied basecoat, then two coats of color, and a fast-dry topcoat and I was good to go without any chipping for 5 days! As with any glitter polish, it took some patience and some extra acetone remover to remove all traces of it.
The color is absolutely amazing... lots of compliments. However, it's practically impossible to get off and I ended up with little black dots all over my hands that refused to come off! Resorted to putting it on my toes so I can still enjoy the color, but don't get all spotty because I'm leaving it there until it grows out and off! LOL
I'm in love with this color. It's suprisingly one of those all season colors that also happens to be trendy. It looks good on the first coat, and starts to look amazing and more textured on the second coat because you get those dark blue dots on top, and lighter ones on bottom. I can't speak to the staying power since I'm using a base and top coat, but I can say that I like this brand so far.
So cute. I've gotten so many compliments. Wears like iron and my friends say my nails look like easter eggs. :)

subset: commoncrawl


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recipe reviews for:
"The French call this style of dessert a clafouti, in which a batter is poured over and through the fruit. It is equally at home at the breakfast or dinner table."
Cooking Level: Intermediate
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Everything you need to party like a leprechaun.
New for spring! Good-for-you food you'll love to eat.
Delicious recipes, party ideas, and helpful cooking tips! Get a year of Allrecipes magazine for just $9.99!
Meet Adam, a young baker, and see how to make his favorite recipe.
This traditional apple cake will be the hit of your Seder.
Make this sinfully rich carrot cake--and sit back and enjoy the compliments.


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Sara Brown, Sales Consultant
Coldwell Banker Johnson & Thomas Realtors
504 Libbie Avenue Richmond, VA
Office: (804) 288-4163 , Mobile: (804) 405-7171 , Fax: (804) 285-9328
504 Libbie Avenue Richmond, VA
Office: (804) 288-4163 , Mobile: (804) 405-7171 , Fax: (804) 285-9328
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Contact Sara Brown
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About Sara Brown
- Have been in Real Estate since 2003
- Graduated from The University of Virginia (1984)
- Graduated from VCU Masters Program (1988)
- Taught--mostly English, but other subjects as well--with Henrico County, VCU, Benedicttine High School, and Trinity Episcopal School
- Hail from Buckingham County, the geographic center of the state of Virginia.
- Enjoy tennis, horseback riding, traveling with my husband (Dexter) and son (Spencer), and lazing with our 2 very naughty Jack Russell Terriers (Abigail and Angus).
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Boxer Offices
You can write or contact Senator Boxer at any of the addresses listed below. However, please note that mail sent to Congressional offices in Washington, DC must go through a very lengthy screening process. Letters are not only irradiated but are also vacuumed for possible contaminated substances. Because this process often delays letters for weeks, you may prefer to write to one of our California offices to ensure that your letter is delivered in a timely fashion.
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text: An interesting experience in a setting with wonderful views, ambience, and professional service. I much preferred the style of menu in tonight's dinner compared to 11 Madison Park if comparisons can be drawn. Many of the dishes were lovely, some fantastic, but what was a recurring issue, maybe issue is too harsh a word, was that some elements just didn't marry up effectively. The halibut, lobster, quail, and cheese were examples. Fantastic proteins cooked to perfection but let down slightly, or worse with the halibut, by elements which didn't truly complement the dish. The additional elements should have their place to counteract other flavours (eg sweet v sour), or provide a textual contrast, and most importantly complement and better yet, elevate, the overall dish. But on several occasions, this didn't occur. The salmon cornetto, caviar, summer melon, and desserts were excellent meals and overall I had a positive experience and was comfortably full. It did come with a hefty price tag though, so on that basis I'd still lean towards The Ledbury as my first choice and Petrus second. Just my opinion and what suits my tastes. Others will no doubt disagree. I'm very happy to have experienced dining at such a well regarded restaurant. . . . → Read More: USA, New York – Per Se


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See the Set List
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Only a World Tour this BIG could inspire an item this COOL! Check This Out..........now you can take home 100% guaranteed authentic, Live, LOUD, and In-Your-Face AEROSMITH exclusive Concert Photos from the exact Aerosmith World Tour Concert that you went to! These Amazin' Aerosmith Concert photos will be displayed in an Incredible 24" x 20" matte & frame that even includes a space to display your Aerosmith Concert Ticket!
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Home > Rose Gala > Rose Gala 2013 Sponsorship
Rose Gala 2013 Sponsorship
SPONSORSHIPS American Beauty Rose ($25,000)
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INDIVIDUAL TICKETS ($300) -- click here JOURNAL ADVERTISEMENTS -- click here In line with our mission of sustainability, we will again produce an electronic Rose Gala journal, along with a small printed run. All advertisements are in full color.
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Hours & Directions | Press Room | Copyright 2006 Queens Botanical Garden | 43-50 Main Street, Flushing, NY 11355 Support to QBG given by the New York City Department of Cultural Affairs


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Reader Comments (Page 1 of 1)
I miss Bolvar in the throne room too, but likely for a different reason.
I miss getting lowbies killed during the Onyxia quest chain. "Free epix in the throne room!" People in the know laughed but kept it to themselves and rushed to watch the bloodbath that was coming, the people out of the loop rushed in for the "free epix" and gave us an entertaining show.
My guild would do that portion of the chain at least once a week back in vanilla, it was ALWAYS fun to watch some Huntard get murdilated because his pet was on aggressive or something. :)
Then again, maybe I'm just evil :p


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States of Anarchy
Historical amnesia is as dangerously disorienting for a nation as for an individual. So it is with the current wave of enthusiasm for "states' rights," "interposition," and "nullification"—the claim that state legislatures or special state conventions or referendums have the legitimate power to declare federal laws null and void within their own state borders. The idea was broached most vociferously in defense of the slave South by John C.
The Return of Ulysses
Triumph And Tragedy
Over the past 40 years, Edward Moore Kennedy was the grand statesman of the Democratic liberalism that emerged out of the 1960s. He was a loyalist to his principles even when those principles fell completely out of fashion. He overcame personal flaws and searing travails to become a masterful legislator, congressional infighter, and builder of unlikely coalitions. Ironically, he achieved all of this only after he had surmounted the political entitlement that made his career possible in the first place.
Who Lincoln Was
Race Man
After several weeks of swooning, news reports are finally being filed about the gap between Senator Barack Obama's promises of a pure, soul-cleansing "new" politics and the calculated, deeply dishonest conduct of his actually-existing campaign.
The Vital Centrist
Journals: 1952-2000 By Arthur M. Schlesinger Jr. Edited by Andrew Schlesinger and Stephen Schlesinger (Penguin Press, 894 pp., $40) I. FEW HISTORIANS write personal journals that deserve publication, which is not surprising. How much interest can there be in the academic controversies and petty jealousies that dominate the lives of working historians, much less in the archives, the private libraries, and the lecture halls where they spend so much of their time?
Freedoms and Feelings
I. The Passions of Andrew Jackson by Andrew Burstein (Alfred A. Knopf, 292 pp., $25) Early in 1834, at the height of his war with the Second Bank of the United States, President Andrew Jackson received at the White House several deputations of businessmen, who pleaded with him to change course. Believing that the Bank was an unrepublican, unaccountable monopoly, Jackson had vetoed its federal recharter and ordered the government's deposits in it removed.
America Made Easy
John Adams By David McCullough (Simon & Schuster, 751 pp., $35) I. At the height of the XYZ Affair in 1798, when American public outrage against France verged on war hysteria, President John Adams briefly enjoyed the sort of popular acclaim that he had long thought he deserved. In Paris, the French foreign minister Talleyrand had tried to bribe three American envoys sent by Adams to negotiate an end to continuing maritime hostilities between the two erstwhile allies.
Third Out
AMERICAN POLITICS isn't physics, but it has rules nonetheless. And one of the clearest has to do with third parties. Since the nation's founding, no third party has knocked off one of the reigning two, and none has taken power. (The Republican Party of the 1850s, sometimes cited as an exception, actually emerged as a major party after the Whig Party expired.) That's not to say third parties always fail; they just succeed in a different way. When third parties succeed, it's because they change the terms of debate. They take a cry from the margins of American life—an issue, or an interest, or a
Hemings Hawing
The DNA test proving that Thomas Jefferson fathered at least one child with his slave Sally Hemings was good news for the Jefferson-Hemings descendants, for a brave and stubborn lawyer-historian, and for the United States. It was bad news for some conservative pundits. And it was gratifying news for me. More than a year and a half ago, I wrote in these pages that the existing evidence made it "difficult to avoid thinking in terms of the probability, and not merely the possibility, of a Jefferson-Hemings liaison" (see "Life, Liberty, and the Pursuit of Thomas Jefferson," March 10, 1997).


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Celebration, Stallions, And Sherry
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Posted in Festivals & Holidays, SEVILLE & SOUTH Also tagged dresses, feria de abril, festival, Fiona Watson, flamenco, guest writer, horses, seville, seville and south, sherry


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- Item 4 of 88 in Collection: Joseph Chase Rutherford Correspondence
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Item Description
Title: Joseph Rutherford to [Hannah Rutherford]
- Rutherford, Joseph Chase, 1818-1902
Source Document
Date Created: July 13, 1863
Writing in a wheat field near Williams Port, MD topics include a description of where the regiment is in Maryland, rain, mud, heavy cannon drawn by horses and the difficulty of transporting weaponry, the men being ready for battle
Genre(s): correspondence
Language(s): English
Note [Digital Version]
2011-05-06, Center for Digital Initiatives, University of Vermont Libraries
Type of Resource: text
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Joseph Rutherford to [Hannah Rutherford], Special Collections, University of Vermont, http://cdi.uvm.edu/collections/item/cwuvmrutherford52 (accessed March 10, 2014)


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Took a ride out to Chenango Valley State Park yesterday to check out the fall foilage-simply stunning even on a cloudy day. Hundreds of squirrels throughout the park were very busy preparing for the coming winter.
Fall splendor at Chenengo Valley St park
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An Essex County Superior Court judge has backed the town of Essex in its fight against a class-action lawsuit filed by northern Conomo Point residents, who have claimed the second year of lease rates charged by the town are far too high.
The residents at Conomo Point own their homes during the length of the current so-called bridge leases, which can run for up to five years and are meant to be a "bridge" between long-term leases that expired in December 2011 and future agreements, which could include a sale.
The Point residents, meanwhile, lease their land from the town, which has owned the land for more than a century. Residents pay annual rent to the town, in addition to taxes on the land and houses.
The case came before Essex County Superior Court Judge Richard Welch III, who had also decided another case tied into the rent appraisals and home ownership.
In that earlier ruling, Welch decided that two Conomo Point residents did not own their homes that are tied specifically to the land on which they rest, and they cannot be moved. Yet, two other residents whose houses can be moved off the land are the property of the residents, the judge ruled.
The ownership issue and rates of appraisal are significant in the event the town decides to end leasing or not sell the land to the residents.
In the new appraisal ruling, Welch pointed out the various complexities and problems in determining value at Conomo Point.
While the town hired one appraiser and Conomo Point residents found another, some of the second-year bridge leases raise the residents' payments by tens of thousands of dollars from one year to the next. The appraisers were asked to determine the land-only value.
"First, the vacant lots, i.e. 'land only', do not exist," Welch wrote. "Instead the lots (owned by the town of Essex) are 'improved' by cottages or houses (some owned by the town and some by the occupants)."
He also pointed out there is no information when it comes to renting the structures at market rate and no comparable information about leases covering the land and the structures, largely because there is no land-lease and house ownership situation precisely like Conomo Point anywhere else. Therefore, he found, there is no equivalent market rate nearby.
Special state legislation requires Essex to rent out Conomo Point land at fair market value, and the town had to determine that rate.
Welch wrote critically about Conomo Point, however, opening with a quote from Mark Twain in his findings and later writing, "Mr. Clemens might have taken some pleasure in watching the town of Essex attempt to skate on thin ice mandated by the Massachusetts Legislature."
In addition, the state legislation permitted, but did not require, preference to the Conomo Point tenants in determining market value, according to the court document.
In seeking the appraisals, the town tapped Mark Tyburski of the Hingham-based Tyburski Appraisal Corporation. According to the court document, Tyburski chose to compare Conomo Point to Ipswich's Little Neck, where the land is leased to homeowners. But those rental rates were "woefully out of date," the court document states.
The Conomo Point tenants hired appraiser John Petersen of the Boston-based firm Petersen, LaChance, Reagan Pino LLC.
Welch determined that Petersen simply asked a few of the Conomo Point residents what they charged to sublet their properties.
"It is questionable how reliable this oral information was given that the occupants of Conomo Point would have a financial incentive to 'low ball' any rents they received in their not-so-legal subleases," Welch wrote.
The judge also determined that the capitalization rates posted by both appraisers were questionable, but that the town acted in good faith throughout the lease negotiation process, while the plaintiffs attacked a compromise they had suggested.
Welch also included some historical aspect, pointing out that Conomo Point is named after a sagamore of the Nipmuck tribe, called Masconomo or Masconomet, who allegedly sold a large part Essex County to colonists in 1638 for 20 pounds.
"If Masconomet was to rise from his grave at Sagamore Hill in Hamilton and look down on the rocky tidal spit that reaches toward the North Atlantic, now known as Conomo Point, he might be shocked to see the dwellings and even more shocked at the rental prices," he wrote.
Welch determined that future leases will have to take into account the rental value of the homes and acknowledge that the rents are dramatically higher.
"The town of Essex has been more than fair with the Conomo Point occupants while fulfilling its statutory obligations and the fiduciary duties owed to other Essex residents who may not enjoy the pleasant views at Conomo Point," Welch concluded.
James Niedzinski can be reached at 978-283-7000, x 3455 or at email@example.com.


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Former u.s. mortgage corp. loan officer sentenced to 27 months in prison for money laundering and wire fraud in paterson-based mortgage fraud, property-flipping scheme
January 24, 2011 |
NEWARK, N.J. – A Bergen County, N.J., man was sentenced today to 27 months in prison for wire fraud and money laundering conspiracy in connection with a mortgage fraud and property-flipping scheme involving rental properties in Paterson, N.J., U.S. Attorney Paul J. Fishman announced.
Gerald Carti, 64, of Oakland, N.J., a former loan officer and shareholder of Pine Brookbased U.S. Mortgage Corp., previously pleaded guilty before U.S. District Judge Jose L. Linares, who also imposed sentence today.
According to documents filed in this case and statements made in court:
From 2002 through 2004, Carti conspired with Michael Eliasof, a former Paramus real estate agent; William Colacino, (now deceased) former Garfield attorney and municipal court judge; Melanie Gebbia, Colacino's legal assistant; William Ottaviano, an appraiser; Frank Corallo, a former U.S. Mortgage loan processor; Renford Davis and Hopeton Bradley (now deceased), who jointly managed many of the Paterson properties involved in the scheme; Amer Mir, a former loan officer of United Home Mortgage Co., and others. Eliasof, Gebbia, Ottaviano, Corallo, Davis, Bradley and two other conspirators — Claribel Morrobel and Norman Barna — have each pleaded guilty in connection with this scheme. Co-defendants Frederick Ugwu and Mir were convicted after a five-week jury trial in December 2009 in connection with their roles in the scheme. All of the defendants with pending cases are awaiting sentencing.
As the evidence at Ugwu's and Mir's trial established, Carti helped Eliasof obtain mortgage loans for various borrowers to purchase two- and three-family homes in Paterson, knowing that the borrowers would be putting no money down to purchase the properties. Carti further permitted the borrowers to submit loan applications to U.S. Mortgage falsely stating that they had made substantial down payments and allowing U.S. Mortgage to fund the loans, even though the borrowers had not made any down payments. The closings of the loans took place at William Colacino's law office, and Carti received as a commission 50 percent of the fees that U.S. Mortgage received for each loan. When many of these loans began defaulting, Carti helped arrange their repayment through new fraudulent loans, many of which were originated by Mir.
In addition to the prison term, Carti was sentenced to three years of supervised release and ordered to pay $1,034,956.74 in restitution.
Carti's case is part of an ongoing investigation by the U.S. Department of Housing and Urban Development Office of Inspector General (HUD-OIG), the FBI, the U.S. Postal Inspection Service and IRS Criminal Investigations into fraudulent Federal Housing Administration-insured and conventional mortgage loans originated by various New Jersey mortgage companies, including U.S. Mortgage and United Home Mortgage. The investigation has resulted in a dozen guilty pleas from New Jersey residents.
U.S. Attorney Fishman credited special agents of HUD-OIG, under the direction of Special Agent in Charge Joseph W. Clarke for the Mid-Atlantic region; special agents of the FBI, under the direction of Special Agent in Charge Michael B. Ward in Newark; inspectors of the U.S. Postal Inspection Service, under the direction of Acting Postal Inspector in Charge Thomas Boyle; and special agents of IRS Criminal Investigation, under the direction of Special Agent in Charge Victor W. Lessoff, for their investigation leading to today's sentence.
The government is represented by Assistant U.S. Attorney Mark E. Coyne, formerly of the U.S. Attorney's Office Economic Crimes Unit and now Chief of the Appeals Division.
Defense counsel: Joseph P. Rem, Jr., Esq., Hackensack, N.J.
Federal Emergency Management Agency (FEMA) announced that federal disaster aid has been made available to the State of New Jersey.
FEMA is now accepting applications from residents and business owners who sustained losses in Atlantic County, Cape May County, Essex County, Hudson County, Middlesex County, Monmouth County, Ocean County and Union County.
Register online at
www.disasterassistance.gov , by web-enabled mobile device atm.fema.gov or by calling 1-800-621-FEMA(3362) or 1-800-462-7585 (TTY) for the hearing and speech impaired. The toll-free telephone numbers will operate from 7 a.m. to 10 p.m. EDT seven days a week until further notice.


text: Style Comes to the Midsize Sedan at the 2012 New York Auto Show For the major carmakers, sedans are unsung heroesand headaches. They represent millions of units in sales, but its hard to craft a distinctive car, because a mass-market product can't have too much style. Then again, Hyundai's Sonata is stylish and selling strongly, and Ford's new Fusion is flat stunning. And so across the price spectrum, carmakers are working hard on fresher facesand packing as much technology as they can aboard. A snapshot of the sedans at the 2012 New York Auto Show reveals some of these trends. Here's a look, through several models newly unveiled, at specific concerns carmakers are addressing in 2013 and beyond. By Michael Frank Email Comments 0 Share Back 3 of 6 Next Return to Gallery Return to Gallery Back Next View Larger View Thumbnails Acura RLX Concept Technology While Acura will probably sell a lot of RLX sedans with the seven-speed dual-clutch transmission mated to its SH-AWD system and a 370-hp V-6, the carmaker said it's debuting a new technology called Precision All Wheel Steer (PAWS) on the cheaper FWD 310-hp model. PAWS will adjust the toe angle of the right and left rear wheels, while also using the car's stability control to reduce the torque steer that comes from having such a powerful motor driving the front wheels. We'd love to think it will work, but this wouldn't be the first time a carmaker tried such tricks to reduce the feeling that the driving wheels are fighting the steering control. Return to Gallery Return to Gallery Return to Gallery Return to Gallery Back 3 of 6 Next Return to Gallery Back Next Return to Slideshow Related Links


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The Dig returns- moving during bar review is hard! Anyway, this time: The C-USA is making it the smart economic move for it's basketball teams to schedule weak non-con teams, Derrick Caracter making headlines, and some good football notes from around the C-USA landscape. The Dig is your best UTEP and C-USA news round-up.
From El Paso to Huntington! Let's take a look around the C-USA landscape. UTEP Miners Giving Culpepper Comp? Julyan Stone posterized Tulsa's 7' star Jerome Jordan. He discussed the dunk...
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Located at Villas El Parque in the heart of Manuel Antonio, this one bedroom self catering condo is ideal for two guests.
Wake up in the morning and have your coffee overlooking the Pacific and enjoy the sights and sounds of the jungle. Centrally located close to The National Park and the beaches. You will often see Squirrel, Capuchin and Howler monkeys, a wide array of tropical birds and if you're lucky a sloth or two.
The condo is arranged with a full kitchen opening onto the dining area, the bedroom has a Queen sized bed and the balcony has a million dollar view of the Pacific and Manuel Antonio National Park.
Villas El Parque is a short walk from a great selection of restaurants, bars and convenience stores and since you're on holiday they will deliver to you. If the mood takes you.
There are excellent bus and taxis services which will take you in one direction to the National Park and beaches and in the other to Quepos and the Marina Val Pez, should you fancy a day on the water fishing some of the most exciting waters in the region, if not the world.
Our guests have full use of the apartment along with access to the communal laundry (there is a small fee to the condominium for this) and of course full use of the pool and BBQ area.
We like to meet our guests when they check in and out and are always on hand should you want any help or advice.
We're in the heart of Manuel Antonio, top of the hill almost ;-). You can walk to the best restaurants and an easy bus ride to the beach, National Park or Quepos.
We have a local bus shuttle that runs from Quepos to manuel Antonio beach, it costs about 60 cents and runs every 20 minutes. There are also lots of regulated taxi's and car hire. Car hire is only necessary if you want to explore further afar.
You really will have trouble finding a better view than this.
Room type: | Entire home/apt |
Bed type: | Real Bed |
Accommodates: | 2 |
Bedrooms: | 1 |
Bathrooms: | 1 |
Beds: | 1 |
Extra people: | No Charge |
Minimum Stay: | 3 nights |
Weekly Price: | $700 /week |
Cleaning Fee: | $10 |
Check In: | 2:00 PM |
Check Out: | 11:00 AM |
Country: | Costa Rica |
City: | Manuel Antonio |
Cancellation: | Strict |
What a view! This condo has an amazing view of the ocean, and is very conveniently located. Tariq was very helpful and gave us great recommendations on places to go and things to do. Great value, especially for the view!
We would definitely consider staying here again.
If you stay here, be sure to walk across the street and down the hill to the North to eat at Cafe Milagro - it was our favorite place in Manuel Antonio.
We enjoyed our stay at Tariq's condo. In particular, we loved the location (10 min walk from the beach, or short bus ride), the view (really can't get any better -- the photos don't do it justice, and the convenience (it's near many businesses on the main road, including the excellent Cafe Milagro.) Tariq was mostly out of town during our stay, but his friend Martin was very helpful and answered a few questions we had (thanks Martin!) This is a good place to self-cater -- we mostly cooked our own breakfast and lunch. If you're here on a Friday or Saturday, check out the excellent farmer's market in Quepos.
One minor downside is the pool, which wasn't that great. But since you're 10 mins from one of the great beaches on the entire planet, who cares -- go to the beach instead!!!
We would definitely come back!
Our interaction with Tariq was brief but he was very friendly and was able to make recommendations that were spot on and helped us really get the best out of the area in the two days we were there. His apartment was exactly what we were looking for, central, relaxing, clean and the view speaks for itself.
Tariq had a few basic items in the fridge and cupboard which was a really nice gesture and helped get us comfortable quickly.
We will definitely be back one day. Tariq, you're the man. Thanks for making our stay a great one!
I stayed ten days in this apartment.
+ 1 million dollar view of the ocean
+ A balcony/terrace big enough to have breakfast or work or do yoga. Could spend the whole day there.
+ nice and tasteful furniture
+ a lot of space
+ Tariq and Faheeda are very friendly and helpful
+ There's a cleaning queen :-)
+ You find some basic food supply in the kitchen (milk, coffee, bread) which I found very nice.
+ There're also spices, salt, oil, coffee filters etc. So you don't have to bring all that stuff.
+ Geckos
+ Restaurants, Cafés and a small supermarket nearby
+ I could walk to my language school
+ You can walk to the beach (30 mins downhill), but have to take a taxi/colectivo/bus to get back. Busstop is very close by.
+/- I had some problems with power cuts, no Internet connection and even a day without water. None of them was Tariq's fault. The whole area was affected. Tariq and Faheeda helped as much as they could. A warning would have been nice.
- Yes, there are insects in the apartment. But it's in the jungle after all. You'll get used to them. There's spray and the geckos help, too.
- No, it's not very quiet, but reasonalby okay.
- Stairs! A lot of stairs and very steep.
- The bed is noisy and cracks everytime you turn. I got used to it.
Conclusion: I loved it. I'd book it again. Go for it unless you have problems with climbing stairs.
Great place to stay!
Tariq was a great host and the place was fantastic!
We were greeted in person when we arrived, and given great advice about the local community and things to do in Manuel Antonio.
The place was amazing, clean with a great view, and in a location that was convenient to the buses, shops and a few good cafés and restaurants. We even got a set of beach towels to take down to beautiful Manuel antonio beach
Thanks again for the great stay Tariq!
The apartment at Villas El Parque is beautiful! It is very well maintained, well furnished, clean and the bed was very comfortable!
It has a spectacular view of the Pacific Ocean and is within walking distance of many good restaurants and conveniences. The wifi and is fast and convenient which was great as we were able to keep up with events happening back home in the US. Tariq was very helpful and gave us suggestions of where to go and what to do. We were visiting Manuel Antonio for our Anniversary and this apartment helped make it a special trip.
Overall, I would give this property an A+. I would definitely rent it again and recommend it to others!
Tariq and his wife were extremely warm and welcoming, happy to help in any way. That was just a bonus because the apartment is PERFECT for 2 (maybe 3) people: fantastic porch with a view, well-equipped apartment, extremely clean, and in a perfect location. I've been to Manuel Antonio at least 15 times and the location of this place is exactly what you want: not far from beach for the day, but close to all the great bars and restaurants for the evening. 100% recommend this place and Tariq, and 100% returning.


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Open AccessThis article is
- freely available
- re-usable
Materials 2012, 5(11), 2151-2175; doi:10.3390/ma5112151
Creep Behavior of a Sn-Ag-Bi Pb-Free Solder
Sandia National Laboratories, PO Box 5800, Albuquerque, NM 87185, USA
* Author to whom correspondence should be addressed.
Received: 28 July 2012; in revised form: 27 September 2012 / Accepted: 18 October 2012 / Published: 2 November 2012
(This article belongs to the Special Issue Creep and Fracture of Engineering Materials and Structures)
Download PDF Full-Text [1187 KB, uploaded 2 November 2012 13:28 CET]
Abstract: Compression creep tests were performed on the ternary 91.84Sn-3.33Ag-4.83Bi (wt.%, abbreviated Sn-Ag-Bi) Pb-free alloy. The test temperatures were: −25 °C, 25 °C, 75 °C, 125 °C, and 160 °C (± 0.5 °C). Four loads were used at the two lowest temperatures and five at the higher temperatures. The specimens were tested in the as-fabricated condition or after having been subjected to one of two air aging conditions: 24 hours at either 125 °C or 150 °C. The strain-time curves exhibited frequent occurrences of negative creep and small-scale fluctuations, particularly at the slower strain rates, that were indicative of dynamic recrystallization (DRX) activity. The source of tertiary creep behavior at faster strain rates was likely to also be DRX rather than a damage accumulation mechanism. Overall, the strain-time curves did not display a consistent trend that could be directly attributed to the aging condition. The sinh law equation satisfactorily represented the minimum strain rate as a function of stress and temperature so as to investigate the deformation rate kinetics: dε/dtmin = Asinhn (ασ) exp (−ΔH/RT). The values of α, n, and ΔH were in the following ranges (±95% confidence interval): α, 0.010–0.015 (±0.005 1/MPa); n, 2.2–3.1 (±0.5); and ΔH, 54–66 (±8 kJ/mol). The rate kinetics analysis indicated that short-circuit diffusion was a contributing mechanism to dislocation motion during creep. The rate kinetics analysis also determined that a minimum creep rate trend could not be developed between the as-fabricated versus aged conditions. This study showed that the elevated temperature aging treatments introduced multiple changes to the Sn-Ag-Bi microstructure that did not result in a simple loss ("softening") of its mechanical strength.
Keywords: tin-silver-bismuth (Sn-Ag-Bi) solder; creep deformation; aging
Article Statistics
Click here to load and display the download statistics.Cite This Article
MDPI and ACS Style
Vianco, P.; Rejent, J.; Grazier, M.; Kilgo, A. Creep Behavior of a Sn-Ag-Bi Pb-Free Solder. Materials 2012, 5, 2151-2175.
AMA StyleVianco P, Rejent J, Grazier M, Kilgo A. Creep Behavior of a Sn-Ag-Bi Pb-Free Solder. Materials. 2012; 5(11):2151-2175.
Chicago/Turabian StyleVianco, Paul; Rejent, Jerome; Grazier, Mark; Kilgo, Alice. 2012. "Creep Behavior of a Sn-Ag-Bi Pb-Free Solder." Materials 5, no. 11: 2151-2175.
Published by MDPI AG, Basel, Switzerland
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Sigma 18-200mm f/3.5-6.3 II DC OS HSM
Available in a range of lens mounts
Price: £259
Format: APS-C
Construction: 18 elements, 13 groups
Filter Thread: 72mm
Weight: 610g
The OS suffix on this lens stands for Optical Stabilisation, which features a pair of sensors that compensate for camera shake and automatic detection of camera movement when panning. It's a well-built optic with a solid feel and robust grips and performs consistently, proving it is possible to get an impressive resolution from a superzoom lens.
Read our full review of the Sigma 18-200mm
Find the best deals for the Sigma 18-200mm
Tamron 18-270mm f/3.5-6.3 Di II VC PZD
A super lightweight lens for travelling
Price: £349
Format: APS-C
Construction: 16 elements, 13 groups
Filter Thread: 62mm
Weight: 450g
This 15x zoom lens uses Tamron's Piezo drive ultrasonic
motor to ensure a quiet and sprightly autofocus performance is achieved. In 35mm terms it's equivalent to 29-432mm and weighs just 450g on the scales - making it well-suited for travelling where heavy lenses are less than ideal. Its long reach helps you get closer than most other more modest zooms.
Read our full review for the Tamron 18-270mm
Find the best deals for the Tamron 18-270mm
Panasonic G Vario 14-140mm f/3.5-5.6 Power O.I.S
Equivalent to 28-280mm in 35mm terms
Price: £599
Format: MFT
Construction: 14 elements, 12 groups
Filter Thread: 58mm
Weight: 265g
Attached to a Micro Four Thirds camera, this lens is equivalent to 28-280mm and incorporates Panasonic's POWER O.I.S optical stabiliser to keep handheld shots pin-sharp. The construction is made up of three aspherical lenses and two ED lenses, while its slick autofocus performance is achieved via an inner focus drive mechanism and stepping motor.
Find the best deals for the Panasonic G Vario 14-140mm
Nikon AF-S 28-300mm f/3.5-5.6G ED VR
An ideal walkabout lens for Nikon users
Price: £659
Format: APS-C
Construction: 16 elements, 13 groups
Filter Thread: 62mm
Weight: 450g
Almost everything about this lens is good news. It has a distinctly chunky feel that makes it satisfying to hold and its autofocus performance is quick thanks to Nikon's Silent Wave Motor technology. Focusing is internal, meaning the MF ring remains stationary in AF mode, but manual adjustments can still be made via the MF ring at any time if so desired.


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By Messrs. Sánchez of Boston and Rushing, a petition (accompanied by bill, House, No. 1518) of Jeffrey Sánchez and others for legislation to establish community based grant programs to eliminate racial and ethnic health disparities. Public Health.
Sponsors: | |
Status: | |
Petitioners: Jeffrey Sánchez, Byron Rushing, Kay Khan, Susan C. Fargo, Linda Dorcena Forry, Martin J. Walsh, James B. Eldridge
Committee Name | Fiscal Amount |
Joint Committee on Health Care Financing | $100,001.00 |


text: "Getting back to the iPhone 5 and Samsung Galaxy S3, the real truth is that Apple will still post stellar numbers and probably beat their 'expectations' once again. However, we do believe that these numbers are going to be lower than what Apple or any analyst would have expected earlier in the year prior to Samsung's SGS3 launch. Also, if you follow the Apple community, you will know that usually around an iPhone or iPad launch some analysts make stratospheric and hyperbolic statements about the sales expectations of the next Apple device."


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Arts Media Center
Equipment | Lab | Policies | What's New
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*Note: Hours may vary during finals and break periods.
Established in the summer of 1992, the Arts Media Center comprises the central music reference and technology resource in UCI's Claire Trevor School of the Arts. Come visit our brightly lit, air conditioned facility equipped with CD, phonograph, VHS, DVD, DAT, laserdisc, six-station mac lab, a Dance/AV Room and quiet study and listening areas. The AMC houses a growing collection of classical, jazz, popular, and world music audio and video recordings. We have over 6,000 CDs, 200 DVDs, 7,000 LPs, scores, videos, laserdiscs, CD-ROMs, scanner, photocopier/laser printer (B&W), and six music workstations with MIDI keyboards. Our computers can accommodate music composition, music notation, musicianship, basic graphics, video editing, networking, writing, and various interactive technologies.
Director: Ross Whitney (more info) |
The UCI AMC is located upstairs in Building 714, across the service drive from Mesa Housing, and across the walkway from the Beall Center, at the north end of the Claire Trevor School of the Arts, near the corner of West Peltason and Pereira. (map)
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Home > Publications & Standards > Proceedings
Welcome to Our Centennial Celebration Issue! by R. J. Trew (PDF, 81 KB)
Scanning the Proceedings for History by G. W. Day (PDF, 83 KB)
Centennial Special Issue by Managing Editor (PDF, 112 KB)
The issue starts with a series of articles attempting to set the stage with some reflections based on predictive essays that were published 50 years ago in a special 50th anniversary issue published. The first article in this series is by Proceedings Editorial Board Member, Joel Trussell, who coordinated the collection of the additional five articles that follow his own.
Overview for Reflections and Reviews of Past Predictions by H. J. Trusell (PDF, 258 KB)
Back to the Future—1962 Redux by R. Lucky (PDF, 175 KB)
Like Being There by J. L. Flanagan (PDF, 174 (KB)
To Learn About Nature Look to Nature Itself by E. R. Lewis (PDF, 154 KB)
Computational Social Systems by E. E. Santos (PDF, 126 KB)
Research Funding and the Proceedings of the IEEE Centennial by R. J. Trew (PDF, 183 KB)
In the next article, a former Proceedings Editorial Board member, Peter Cochrane, makes a few predictions regarding the future.
100 Years in the Past and 100 Years in The Future by P. Cochrane (PDF, 225 KB)
The following 19 sections in the issue deal with the general topics selected for this Centennial Special Issue. Each section is introduced by a Section Prolog to describe the contents of the section and provide some additional information to the reader.
The issue also includes an article which discusses the style and contents of this journal.
A Centennial Review of Style and Contents in the Proceedings of the IEEE by H. Sales (PDF, 864 KB)
James E. Brittain, Associate Editor of History, was invited to close out the centennial special issue by contributing an essay about his personal perspectives and experiences as it related to the importance of history at the IEEE.
Scanning My Past: Some Personal Reflections Stimulated by the Proceedings Centennial by J. E. Brittain (PDF, 376 KB)


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Mobile Field Service Application
Empowering Field Service Engineers through Oracle E-Biz Platform
Empowering Field Service Engineers through Oracle E-Biz Platform
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Wed November 16, 2011
Business Beat: Nov. 16, 2011
By Nick Adams
This week: KBIA reports from Southeast Missouri on what the Army Corps of Engineers is doing to prepare for another possible flood disaster. Plus Columbia residents approved a new sales tax.
Six months after floodwaters covered southeast Missouri, communities are still recovering from the destruction. The Army Corps of Engineers is holding community meetings across the state to better handle a future situation. KBIA's Carah Hart visited the flood plains in south Missouri in the autumn. She tells us what she saw, and the current problems farmers and communities endured.
Downtown Columbia residents have approved a new sales tax for the downtown area in order to improve the city's commercial district. KBIA's Rachel Path reports.


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The Human Anime Project
Top 3 Most Disgusting And Scary Looking Animals On The Planet
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Ikaruga review
Ikaruga is my nemesis. It's a lean vertical shooter that can technically be completed in a half-hour run. There are no weapon upgrades, there's no ship customisation, there are no mission briefings. You're a lone freedom fighter on a quest to destroy the battle machines of the oppressive Horai army. You have only two lives to survive five levels of cruel bullet-hell perfection.
The rules are simple. Enemies, and the projectiles they fire, come in light and dark forms. You can switch the polarity of your ship between light and dark states at any time, absorbing bullets of the same colour to power your homing missile attack. Take a hit from a bullet of opposite polarity and you're dead. Enemies fall to light and dark bullets, but take double damage from bullets of opposite polarity.


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Spider-Man Comic Adult Costume
Officially licensed Spiderman costume includes a form fitting blue nylon bodysuit with zipper in back, and foam front Spiderman full over-the-head hood with eye holes, two small nose holes, & ties in back. Traditional Red accents with Black web detailing around arms, chest, waist, bottom of legs and hood. (Back of costume is primarily Blue, with Red accents & Black web detailing at waist, cuffs, & bottom of legs.) Red foot-covers/socks not included. This costume does not have muscle accents. This is an officially licensed MARVEL?« product.
Get FREE instant access to kids' favorite coloring books & fun worksheets at our Coloring Club and more fun stuff from our Color My Day newsletter!


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These ladies gloves are perfect for winter gardening, with a thick lining for extra warmth
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text:
We, your shareholders, demand:
This morning I was reading an article in the Chicago Tribune that said three major energy producers (Valero Energy, Tesoro, and Occidental Petroleum) are getting grief from organizers within their shareholders. The shareholder groups, while representing very small segments of the total, are organized and taking the company management to task for spending large sums of cash in political advertising to oppose California's Proposition 23, which will require cutting industrial and vehicle emissions.
I'll leave it to others to decide if that's a good idea or not. My thought for this discussion is about more useful discussions that shareholders could have with company management. These could probably apply to the three companies mentioned, and a whole lot more. Here's my suggestion:
Dear board of directors of (fill in the blank) corporation:
We the shareholders have invested in this company for the long haul. While we are interested in profits in the short term, we are more concerned with the big picture and are looking out over many years to come. We believe that there is a problematic preoccupation with the short term, and there is too little investment to ensure that we will be able to operate efficiently and profitably in two, five, or ten years.
Our plants are suffering from personnel cuts and an unwillingness to spend money on equipment and automation technology that will put us in a more competitive position in years to come. There is much we can do to improve plant infrastructure in ways that will make them more energy efficient, reduce emissions, increase availability, and boost output. We expect you to improve profits by making appropriate investments rather than simply cutting costs until we fall off a cliff. Our plants should be models of technological excellence with the best trained people in the industry. That is what will build the value of our investment, and we expect you to do it.
Your shareholders
OK, maybe this is asking too much, but as we emerge from this recession, it seems like a good time to make such a suggestion. Last December we published an article that discusses what happens when a plant gets caught in the downward spiral of cuts and has to be pulled back before a total crash. Let's hope that rescue scenario plays out many times in the coming months, with the support of investors. In an interview I had with John Berra, retiring chairman of Emerson Process Management, he told a story about a conversation with a refinery executive that says there are still companies out there that just don't get it. Maybe the message has to come from a new direction.
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Research on an ancient lunar rock suggests that almost 4 billion years ago, the moon once had a molten, core of liquid metal that generated a strong magnetic field.
The Daily Galaxy quotes planetary scientist Benjamin Weiss as saying, "The moon has this protracted history that's surprising."
In 1969, the Apollo 11 mission brought the first lunar rocks back to Earth as souvenirs from Neil Armstrong and Buzz Aldrin's historic moonwalk. Since then, scientists have studied them for clues to the moon's history. They soon discovered that many rocks were magnetized, which suggested that the moon may have harbored a convecting metallic core that produced a large magnetic field, now recorded in the moon's rocks.
The Apollo 11 astronauts collected the rock at the southwestern edge of the Sea of Tranquility; where scientists believe it was ejected from deep within the moon 100 million years ago, after a meteor impact. Weiss says, "(The rock has) basically been in cold storage for 3.7 billion years, essentially undisturbed. It retains a beautiful magnetization record."
A dynamo still exists within Earth because heat, produced by the radioactive decay of elements within the planet, maintains the core's convection.
If you've got some moon rocks (or anything else) to carry around, do it in a beautiful unknowncountry.com tote bag! If you subscribe for one year, you'll get one FREE and if you're already a subscriber, you get $3 off!


text:
New Kuga
Posted 21 March 2013 - 07:38 AM
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Posted 22 March 2013 - 09:19 PM
Yes purfleet is not to far from me.
Posted 23 March 2013 - 09:49 AM
Posted 12 July 2013 - 02:30 PM
Hi again People, Well i ordered my Kuga back on the 3rd March with a delivery of 30th May, and I waited... and waited.... and waited... got given 4 different build dates and subsequent delivery dates and finally have been given the Vin number and confirmation it's built, just waiting for delivery now if it wasn't for people telling me how good the car is i think i'd have canceled my order, are ford really always this bad at builds and customer service?..
car should be here for the first week in august so i can start to enjoy being a ford owner ..
Posted 12 July 2013 - 02:45 PM
It is a nice car, but ford and the dealers are some of the worse for customer service, but we forgive them because they seem to bumble though, and a little sad.
It would feel as though you would be kicking them as they were downthat's all I can think of, had this for years with different dealers. Sorry Eamon, but hat the truth, you do get some good ones I'm sure, just never came across then as yet....£ 20,000 odd pounds and treat us like this
Posted 12 July 2013 - 04:20 PM
Hi Ray...with the extras i added it's nearer £30 but although i seriously considered canceling the order and going elsewhere, but the competition where giving me long delivery dates too non could get me a quicker build unless i took a stock car with extras that were on them, and there were things i wanted which were either not available on the other cars or not in the colour I wanted, so i bit my lip, emailed the CEO telling him how the company stance on customer service sucks got a reply but still took ages for the car to be built...
but finally got the vin number and it looks like all the right boxes have been ticked so i am looking forward to it arriving although not as much as when i first ordered it, i'm just hoping all the bells and whistles will make the ownership happy.. but as you say the dealers bumble through and i sure as hell wont be having any dealer stickers or advertising on the number plates,and wont be recommending them to friends or family, they have asked if i want to wait till 1st September to get the new reg number, but after this long, (should have been delivered 30th May) and the fact that we're away end of August and need it to tow the caravan, means i'll get a 13 plate, not an issue as i'll be putting a cherished number on it soon, when I've decided which one to put on it or if to buy another
on a more positive note hopefully... How are you enjoying yours? anything i need to look out for on delivery missing trim knocks or rattles ? best to go armed lol.
Posted 12 July 2013 - 04:55 PM
I went to Bristol last weekend, I got a softbox to put the cases in, that did not help, the mileage, but the car itself was great. I can't wait for some really bad the vids I've seen on YouTube, going through the snow and ice, looked good, so all in all, it good in all conditionds... Your love it, you really will, you'll have very little to complain about if anything.
Posted 12 July 2013 - 05:16 PM
how many miles have you put on it? My wife gets a new car every six months and we've noticed the MPG especially on diesels improve when they have between 6 and 10 k miles, just when she trades them in for a new one lol.. although she managed to let them have a Mk 1 Kuga which they are selling, so I've been running round in a Kuga if not a new one and to be honest its quite good on fuel has about 30 k on the clock and gets about 38 to the gallon if driven sensibly but it is the 2WD version did a trip down to esher last month when i left it had 3/4 of a tank and the fuel light still wasn't on when i got home did about 390 miles mixture of a roads motorway and traffic jams lol and averaged 36 mpg which was quite good, i wasn't hanging about on the motorways and did a fair bit of stop start in London during the week, reckon at 55 and no city driving it would have hit the 40+ mpg so i'd say give it time and the MPG will probably increase, Most manufactures wont even check MPGs till theres at least 3k on the clock, more with dervs
Posted 12 July 2013 - 07:57 PM
Posted 02 October 2013 - 06:32 PM
Posted 07 October 2013 - 02:55 PM
I hope to see just a bit of snow this year even a two day thing just to see how it handles. Brings the kid out in me.
Posted 07 October 2013 - 07:10 PM
wow Ray mine now has 2500 miles on and its now approaching average of 38 MPG and thats a mix of city and good runs, and towing the caravan it does dip a bit then but still not bad, thinking of having a re-chip soon stories of even better MPG and power.
good to hear you still love it, I really enjoy driving ours get a smile every time i drive it, and done a few Mods already all cosmetic but i like em..
Posted 07 October 2013 - 07:28 PM
Posted 07 October 2013 - 08:14 PM
Thanks Ray, yea i kept humming and arring on whether i should buy it or not, and when i tried it was sold, my wife had bought it for me as i couldn't make my mind up lol, great surprise and looks great on the car. think I've mastered all the bells and whistles now only thing I've not tried is the auto stop bit, i bottle every time and hit the brake lol but i'm sure it does work
starting to see a few more about now, did you ever manage to get on the Kuga owners club forum? quite busy with loads of Kuga people, this site is good but not many Kuga owners here .
Posted 07 October 2013 - 08:50 PM
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A couple Totals on NFL
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On 09/30/2011 04:20 PM in NFLHouston has scored in the following order...34, 23, and 33.
The more I look into it, the more I like the over 45.
The game has 35-30 type feel to it. I'm taking the over.
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Broncos on tour
Safety David Bruton, defensive end Malik Jackson and Denver Broncos mascot "Miles" sign autographs during the first annual Mile High Salute to Fans Tour, which stopped at Bill Heddles Recreation Center last Friday. People at the beginning of the line (pictured below) reported they claimed their spot at 12:30 p.m.; the players and cheerleaders stepped off the tour bus at precisely 4 p.m. The tour took them through 20 cities in six days to thank Broncos fans for their loyalty, passion and ongoing support.
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The Galaxy S III is Samsung's 2012 flagship device, sporting a 4.8-inch HD SuperAMOLED display, a quad-core Exynos CPU at 1.4GHz and 1GB of RAM. It's available in white and blue, with 16 or 32GB of storage. Software-wise, it's powered by Android 4.0 Ice Cream Sandwich and a new version of Samsung's TouchWiz UX.
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Fred E. Seeley, 85, of West Ellicott, formerly of Ripley, died unexpectedly Wednesday, June 19, 2013, at WCA Hospital in Jamestown, N.Y., with his family by his side. A complete obituary will be in The Sunday Post-Journal.
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Social context, sexual risk perceptions and stigma: HIV vulnerability among male sex workers in Mombasa, Kenya (HTML)
Okal,Jerry; Luchters,Stanley; Geibel,Scott; Chersich,Matthew F.; Lango,Daniel; Temmerman,Marleen
Culture, Health and Sexuality 11(8): 811-826
Publication date: 2009
Knowledge about sexual practices and life experiences of men having sex with men in Kenya, and indeed in East Africa, is limited. Although the impact of male same-sex HIV transmission in Africa is increasingly acknowledged, HIV prevention initiatives remain focused largely on heterosexual and mother-to-child transmission. Using data from ten in-depth interviews and three focus group discussions (36 men), this analysis explores social and behavioural determinants of sexual risks among men who sell sex to men in Mombasa, Kenya. Analysis showed a range and variation of men by age and social class. First male same-sex experiences occurred for diverse reasons, including love and pleasure, as part of sexual exploration, economic exchange and coercion. Condom use is erratic and subject to common constraints, including notions of sexual interference and motivations of clients. Low knowledge compounds sexual risk taking, with a widespread belief that the risk of HIV transmission through anal sex is lower than vaginal sex. Traditional family values, stereotypes of abnormality, gender norms and cultural and religious influences underlie intense stigma and discrimination. This information is guiding development of peer education programmes and sensitisation of health providers, addressing unmet HIV prevention needs. Such changes are required throughout Eastern Africa.
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Cacher / Voir l'abstract
This first edition of the OECD Pensions Outlook provides an analysis of pension policies in OECD countries, covering both public and private pension systems, as well as an assessment of trends in retirement income systems. Reference statistics are also included.
It may not feel like it, but today's retirees are living through what might prove to have been a golden age for pensions and pensioners. Far fewer older people live in poverty than in the past: about a quarter fewer than in the mid-1980s. They can expect to live longer: 65 year olds today are projected to live 3.5 years longer than their parent's generation.
This first edition of the OECD Pensions Outlook takes a close look at the two main trends in pension design observed over the last two decades: first, the introduction of reforms to pay-as-you-go (PAYG), public pension systems such as later retirement and automatic adjustment mechanisms to pension benefits to improve the financial sustainability of these systems; second, the growth of funded private pension arrangements complementing PAYG public pensions. These developments are interlinked, as many pension reforms have ultimately led to a reduction in the replacement rate offered by PAYG public pension systems, increasing the need for later retirement and complementary forms of pension provision.
This chapter discusses trends in pension reform over 2007-11. This period has witnessed a major financial, economic and fiscal crisis, which accelerated the pace of pension reform. Policy initiatives include increases in pensionable ages, the introduction of automatic adjustment mechanisms in public pension systems and the strengthening of work incentives. The dismal financial market conditions of the last five years have also placed major stress on funded, private pension arrangements. Most countries' pension funds are still in the red in terms of cumulative investment performance over this period. Policy makers' reaction to the crisis have focused on regulatory flexibility and better risk management. They include an extension in the period to make up funding deficits in defined benefit pension plans, greater flexibility in the timing of annuity purchases (to avoid locking in unattractive rates), and new rules on default contribution rates and investment strategies to ensure better member protection.
This chapter analyses the automatic adjustment mechanisms introduced in public pension systems over the past 15 years. These mechanisms create automatic links between demographic or economic developments and the retirement-income system, particularly benefit levels. While these mechanisms generate greater sustainability of pension promises they normally worsen benefit adequacy. Old-age safety nets may need to be reinforced to address these concerns. Furthermore, automatic adjustment mechanisms are often complex, difficult to understand and create uncertainty over future benefits. In order for individuals to adjust to these new pension designs – by working longer or saving more in private pensions, there is a need for gradualism and transparency in the implementation. A fair and predictable burden-sharing across generations should help individuals to act pro-actively by adapting their saving and labour supply behaviour.
Since the late 1990s, some central and eastern European countries reformed their pension systems structurally, partly replacing their PAYG-financed public pensions, with fully-funded, defined contribution plans. During the crisis, some of these have been partially reversed, with reductions in contributions to the funded, private pension system in countries such as Estonia (temporary) and Poland (permanent). In Hungary, the reversal has been complete. Even the accumulated assets in the mandatory pension funds were reverted to the state. The analysis of pension entitlements shows that the main cost of these reversals will be borne by individuals in the form of lower benefits in retirement. The effects on the public finances will be a short-term boost from additional contribution revenues but a long-term cost in extra public spending just as the fiscal pressure of population ageing will become severe. Overall, however, it is projected that the extra revenues would exceed the extra expenditure.
To adapt pension systems to demographic trends, many countries are reducing pay-as-you-go public pension levels and lifting retirement ages. In this context, funded private pensions could play a major role to avoid adequacy gaps. Yet, as this chapter shows, the coverage of funded pensions, as measured by enrolment rates, is highly uneven across countries and between individuals, especially in voluntary systems.Some countries have made funded pensions compulsory (e.g. Australia, Chile) or quasi-mandatory (e.g. Denmark, the Netherlands) to ensure that most workers are covered and therefore have access to a sufficiently high complementary pension. However, in other countries with relatively low pay-as-you-go public pension benefits, funded private provision remains voluntary. The low level of funded pensions' coverage in such countries should be a major policy concern. Recent policy initiatives in Germany and New Zealand, involving the introduction of financial incentives (and auto enrolment in New Zealand) have been effective in raising coverage to the highest levels among voluntary pension arrangements, but coverage gaps remain that need to be addressed.
This chapter examines the role of guarantees in retirement savings arrangements, in particular minimum investment return guarantees during the accumulation phase. The main goal is to assess the costs and benefits of different return guarantees. The analysis uses a stochastic financial market model where guarantee claims are calculated as a financial derivative in a financial market framework (like e.g. the valuation of a put option). In this context, the chapter highlights the value of capital guarantees that protect the nominal value of contributions in pension plans. However, such guarantees can only be introduced relatively easily in the very specific context considered in this chapter. Allowing plan members to vary contribution periods or investment strategies, or change providers, would raise major challenges for an effective and efficient implementation of return guarantees. It would increase the complexity and cost of administering the guarantee.
This chapter discusses policy options for improving the design of defined contribution pension plans with the aim of strengthening their role in retirement income adequacy.


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Und mal wieder ein Fotoshooting mit meiner Schwester, was sich immer als spaßige Angelegenheit erweist....
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The 8960ENC converts a serial component digital signal to NTSC or PAL composite analog. It can interface with analog VTRs, composite analog production switchers and analog transmitters, and accepts the 8900FSS sub-module to allow output to be synchronized to an external reference and accurately timed.
Supported Frame Types
GeckoFlex with 8900V-R GeckoFlex Video rear module, Gecko video frames: 8900TX-V, 8900TF-V, 8900TFN-V
Power Rating
6.5 Watts – single slot
Type: SMPTE 259M, 10-bit, 270 Mb/s serial component digital
Connector: High Z differential loop-through BNC
Return loss: >15 dB to 270 MHz
Reference Input
Number of inputs: Two
Signal type: SMPTE 170M (525 lines) or CCIR624 (625 lines)
Connector: BNC
Impedance: 75Ω or High Z (jumper-selectable) allows external looping
Return loss: >36 dB to 5 MHz
Analog Video Output
Number of outputs: Four
Signal type: SMPTE 170M for NTSC and CCIR624 for PAL
Connector: 75Ω BNC
Return loss: >40 dB to 5.5 MHz
Isolation: >46 dB to 5.5 MHz
Serial Digital Output
Number of outputs: Two
Type: SMPTE 259M, 10-bit, 270 Mb/s serial component digital
Connector: 75Ω BNC
Output return loss: >15 dB up to 270 MHz
Quantization: 10-bit
Accuracy: 9.2-bit
Differential phase: <0.5°
Differential gain: <0.9%
RMS SNR: >59 dB to 5.5 MHz
Output phasing: Full frame with 8900FSS submodule
Electrical length: 2.1 µs
Fine phase: 0 to 45 ns
Operating temperature: 0° to 45°C
Relative humidity: 0% to 90%
Indicators and Controls
Indicators: Input video present, reference present, communication active, power, fault
Controls: Output gain, luma level, black level, chroma level, hue, filters, vertical blanking, test signal, timing
Remote: All indicators and controls via Ethernet
GeckoFlex 8960ENC SDI to NTSC/PAL Encoder Data Sheet


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Click here for other Cell Biology-related meetings
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BSCB holds a Spring Meeting each year designed to cover a broad range of topics in cell biology. In recent years, this meeting has been held jointly with the BSDB. Spring meetings consist of:
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There is generally a BSCB Autumn Meeting of a more specialist nature.
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Indian television is a big medium reaching out to millions of viewers across different socio-economic classes with varying tastes and interests.
Sony Entertainment Television's Adaalat this week brings you the mystifying story of a zombie.
Sony Entertainment Televisions courtroom drama Adaalat will feature a new guest in their upcoming episode.
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The leading men in two new shows, Harshad Arora and Ashish Sharma talk about their roles
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Riding on better volumes and improved product mix, two-wheeler major TVS Motor saw its net profit jump 31% in the third quarter to Rs 68.80 crore, up from Rs 52.45 crore in the year-ago quarter.
TVS Automobile Services has formed a joint venture (JV) with US-based The Warranty Group (TWG) to provide extended warranty services for passenger cars, commercial vehicles and off-road farm equipment.
TVS has launched a new range of motorcycle tyres.
TVS Tyres has launchjed a new range of new motorcycle tyres.
TVS SriChakra has unveiled its latest agri radial tyre 'Tigertrac&rdquo for the European and global markets at Agritechnica 2013&rsquoin Hanover, Germany.
TVS has launched new colour variants of its Phoenix and Apache RTR 160 range of motorcycles to cater to the forthcoming festive season. While TVS Phoenix will be available in dual tone 'Alpine White' with graphics, the Apache RTR 160 motorcycles will be available in five single tone colours -- white, black, red, yellow and titanium grey.
Greaves Automotive Engines Business, part of Greaves Cotton Limited, one of India's leading engineering companies, has added TVS Motor Company to its list of customers, for supply of single cylinder diesel engine (G435) for the TVS King DS (diesel variant).
Betting big on its newly launched scooter TVS Jupiter, auto major TVS Motor Company Limited plans to increase its market share from the current 15% to 19%-20% by the end of this fiscal, a top official of the company said.
Bhoomi, a Tulu serial directed by Beluvai Naveen Hegde under the banner of Shree Chakreshwari Creations will be screened on Doordarshan Chandana every Saturday at 8.30pm from February 1 onwards. The repeat telecast of the episode will be done at 10am the next day.
Airtel Digital TV, DTH service arm of Bharti Airtel is the first DTH operator in India to release feature film on digital TV on the day of the films theatrical release. Telugu movie Minukumanna Minugurulu (The Fire Flies) was the first ever movie to release on DTH along with its theatrical release using the PPV platform of Airtel Digital TV as an all new avenue for movie releases.


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Getty leaked these images
they say were getting new wordmarks, on the jerseys,the new shorts were at the shoots but the actual new jerseys werent,so say the guy who leaked the photos,the OKC is a prototype if "Barrons" is chosen
Nice find! Where did you find them at btw.
The Barons jersey actually looks decent. I'm surprised.
found them on a jerseys website,the pics were on a real website,not a forum,but they were pulled from the site by the NBA,someone saved them and posted it on a board,they said at the shoot the players had to wear clothing over the jerseys so ppl would not see
The Minny jerseys look way too plain. There was nothing wrong with their old ones.
I think quite a few teams are changing their jerseys.


text: K 1 OCasey ChanProfileFollowUnfollow O Casey ChanFiled to: Ashton Kutcher Steve Jobs movie Ijobs Blip Apple Movies 3/15/13 7:49pm 3/15/13 7:49pm eEditaDeleteBPromoteXDismissXUndismissbBlock for sitebHideEShare to KinjajShare to FacebookiShare to TwitterrGo to permalinkAshton Kutcher's Steve Jobs movie has been delayed from its original April release date. No word on when it'll come out. 7 replies | Discuss 7 replies | Discuss


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Donor Stories
Give wings is an opportunity to participate in the aviation dreams that have propelled EAA and its members. It is the spirit and innovation behind flight and the emotion we all experience when we see a bird soar or a space shuttle lift off. While we believed as children we could fly, we now know it takes more than our dreams to soar. It takes courage, commitment, inspiration and faith. It also takes generosity and heart.
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