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wallet came to me fast, and just as fast started falling apart. It holds many cards, but the material and workmanship is sub par. I woud not recommend this wallet, and I would caution t you from buying from this maker.
I bought this wallet for my father for a Christmas present. I am not sure if I will give it to him or give it to my younger brother. This wallet is made of a soft material but to me it screams juvenile. All in all I was a bit disappointed in it.
My son wanted a plain black wallet with no flashy designs on it and this fit the bill perfect. He loved it. I am happy.
I had been searching for this wallet in many stores and on line. This one is perfect! It has the zipper compartment and two areas for bills, as well as enough slots for credit cards. Perfect and great price !
My husband has needed a wallet for the last 3 years, it was super expensive and he didn't want to part, rips an all! I ordered this one on the sly and replaced the old with the new. HE loves this wallet ! Buy it you'll love it. Chef Reenie
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This was Toledo's 8th wettest June on record, with 6.35" of rain.
That's 2.78" above average, but still a little more than 2" shy of the all time wettest June in the record books.
Rain has been observed at the Toledo Express Airport, each day since June 22nd - that's 9 consecutive days with at least a trace of rain.
Toledo's wettest June (since official records began in 1873) was in 1981, when Toledo received 8.48" of rain.
This Sunday, only 0.03" fell at the Toledo Express Airport.
However, just to our south, a very heavy thunderstorm produced flash flooding in Green Camp, Marion County.
In Green Camp, State Route 203 was closed due to flooding, along with numerous other roads in the area.
There were also reports of flooded basements.
To our northwest, there was also some active weather.
Just northwest of Hillsdale, some intense rain showers produced wind gusts to 40 mph in Calhoun County, Michigan.
The wet weather is likely to continue into July.
July averages 3.23" of rain in Toledo.
The best chance for rain will be late evening Monday into the early morning hours on Tuesday.

subset: commoncrawl


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Monument Marathon on the horizon
The second running of the Platte Valley Companies Monument Marathon is set to take place this Saturday. Runners from 25 states participated in last year's inaugural event, and Coordinator Dayle Wallien says they have 423 people registered between the half marathon and full marathon. Wallien says that is right on track with where they were last year.
She says they have plenty of actual volunteers to help with the marathon, but everyone can help in a big way by making signs and cheering the runners on along the marathon route.
The full 26 mile marathon begins at the Wildcat Hills Nature Center and the 13 mile half marathon begins at the Robidoux campground. Both begin at 8 a.m. Saturday morning.
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text: We chose this cruise to get away from the cold weather in England and it was certainly with it as the weather was fine and sunny once we reached the Canary Islands. Embarkation was quite quick although a bit of a scum as the microphone was not working to call by priority but we managed to get on by 12.15 in time For lunch. We were traveling in a Q5 a corner balcony at the back which we thought we would try.It was large and well set out and the corner balcony which was huge meant we could have the sun at different times of the day and could be out of the wind.Only problem with it was being at the back it rocked all the time particularly when we hit rough seas in the bay of Biscay when it really threw us about the cabin!! Queens Grill restaurant was lovely as it is at the top of the ship and we had a nice table by the window as we had requested. Although it was a table for two we were quite close to the people next to us who we soon made friends with.Food was great and we enjoyed seeing it being prepared at he table.We also ate outside in the sheltered courtyard which was very pleasant.During sea days there was plenty to do ,the speakers were very interesting and we watched a coking demo. I went to the salon to have my hair done which was ok and my husband went to the spa which he enjoyed.In the evenings we tended to go to the bar,mostly the Commodores club and watched the band and dancing in the Queens room.Twice we went to the nightclub Hemispheres which was quite lively but doesn't start until late and is rather small.Ports of call were good, Madeira,La Palma,Tenerife ,Lanzarote,Lisbon. ,some we had been to before but enjoyed walking around.We didn't do any ships tours but took a private tour in Lisbon. Lectures about the ports were good and very informative.The staff were all great, friendly ,helpful and professional ,some we had met 2 years ago when we were on the same ship and even remembered us,It was a marvellous cruise with no major complaints except other passengers behaviour in the lift when people got in the lift going up when they wanted to go down therefore leaving no room for people particularly those in wheelchairs who WANTED to go up.I recommend the Queen Elizabeth and will no doubt travel on her again


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Grand Terrace coach Harold Strauss admits he'll have mixed emotions Friday night when he returns to Colton's War Memorial Stadium.
His Titans, a first-year program, will be trying to beat the team he once coached and players for whom he still feels fondness.
The winner has the inside track to a third-place finish behind Summit and Kaiser in the Sunkist League and a CIF-SS playoff spot. Both Grand Terrace and Colton are 1-5 overall and 1-0 in league, but the overall records won't matter once they hit the field.
Strauss remains close withColtoncoach Chris Ma'ilo, talking frequently, but said it will all business Friday night.
"We're pretty close," Strauss said. "Our staffs are so close – a lot of those guys are my guys.
"It'll be one night of going at each other's throats, but then anything we can do for each other, we'll do. There's a lot of love there – but not for those 48 minutes."
While he holds good memories of Colton, Strauss is very intent on building a solid foundation at Grand Terrace. He has a new stadium, some impressive facilities and a lot of community support, even after an 0-5 record in non-league play.
A 28-20 win overFontanain the Sunkist League opener provided a huge lift and is allowing Grand Terrace to dream of a postseason spot.
"I told the kids we start 0-0," Strauss said of opening league play. "We're just trying to sneak into the playoffs our first year, which would be a huge thing for our whole town and our whole program. It's gonna take a huge effort – they're a good football team that's played very tough schedule.
"It's kind of like playing your big brother for the the first time. They have older, more experienced guys. We're gonna be sneaky and try to go in there and steal one from the big brother."
On the other side, Ma'ilo is focusing more like a coach at an established program. Which is to say he's focused more on the playoff implications for his team than facing a friend.
"He was coach here for a long time, he's been a mentor for me, so it's gonna be a lot of fun," Ma'ilo said. "We take it one game at a time. It's another game for us — it just happens to be them.


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FAIRLEA, W. Va (WVVA)-- Nurses across Southern West Virginia protested Tuesday night over patient care.
The protests started at 6 PM, and involved nursing staff from several hospitals around the country owned by parent company "Community Health Systems."
Bluefield Regional and Greenbrier Valley Medical Centers, are both owned by CHS.
Representatives with National Nurses United told WVVA on Tuesday that CHS budget cuts are causing staff cutbacks, which can at times overload nurses and potentially impact patient safety while staff is spread thinly.
They say they are picketing to stand up for their patients and their rights to bring these problems up to CHS management.
"When we get strained, things get delayed. Things go slower, and patients get upset," said Karen Galuszeki, a registered nurse. "Patients recognize these problems. And we are here to say, we recognize those problems too."
The nurses say they want CHS to hear them out and begin a conversation with the union to fix patient-to-nurse ratios.
Our request for comment from the company was not immediately returned.


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London's Stock Exchange Offline- Thanks To Windows?
According to a report from Reuters, trading at the London Stock Exchange came to a standstill for seven hours because of computer problems on Monday.
The exact cause of the problem is unknown and probably never will be. The incident could prove to be particularly embarrassing for Microsoft who at the end of 2006 launched a huge advertising campaign stating that the London Stock Exchange had chosen Windows over Linux because of reliability issues. An opinion obviously not shared by the New York Stock Exchange who has been using Linux and AIX for over a year without any outage at all.
This is not the first time that the new NET, MS-SQL and Windows server based Infolect system has faltered. In September 2007, the London Stock Exchange was hit by connectivity problems when three Infolect gateways couldn't stand the strain.
Issue 167/2014
Buy this issue as a PDF
Tag Cloud
Tool Predicts Which Websites Will be Compromised
Carnegie Mellon researchers say 3 million pages could fall down the phishing hole in the next year.
SSH Key Management Guidelines
The US government rolls new best-practice rules for protecting SSH.
Knoppix 7.4 Released
Klaus Knopper announces the latest version of his iconic Live Linux system.
PHP Attack Puts WordPress and Drupal at Risk
All websites that use these popular CMS tools could be vulnerable to denial of service attacks if users don't install the updates.
Heartbleed Bleeds On
According to a report, many potential victims of the Heartbleed attack have patched their systems, but few have cleaned up the crime scene to protect themselves from the effects of a previous intrusion.
Drone Brain Goes Open Source
DARPA and NICTA release the code for the ultra-secure microkernel system used in aerial drones.
Password Management Services Vulnerable to Attack
Should you trust an online service to store your online passwords?
New Raspberry Pi Adds Two USB Ports
New B+ board lets you build cool things without the complication of a powered USB hub.
Microsoft Grabs No-IP.com Domains
Redmond rushes in to root out alleged malware haven.
Firefox Steps into 3D
New initiative will bring futuristic virtual reality effects to the web surfing experience.


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Carolina Hurricanes Alex Semin first NHLer to suffer from the new Tuck Rule
Now that the NFL has smartened up and assigned the infamous Tuck Rule into the dustbin of history, sports fans thought they would never again hear that phrase.
But the NHL in its infinite wisdom has resurrected the rule for its own reasons.
Here is the wording from NHL rule 9.5 explained in an article on Icethetics.info, a hockey blog site that talks about hockey equipment and jerseys.
Players are not permitted to tuck their jersey into their pants in such a manner where the top padding of the pant and/or additional body protection (affixed to the pant or affixed to the Player's body) is exposed outside the jersey.
NHL public relations tweeted on Sept. 17 a link to a handy chart that illustrates the rule.
Rule 9.5: All protective equipment, except gloves, headgear & goaltenders' leg guards must be worn under the uniform. s.nhl.com/oXKZW—
NHL Public Relations (@PR_NHL) September 17, 2013
Officially, it is a delay of game penalty but really, who is being harmed? Did Wayne Gretzky ever get warned about his uniform? For god sakes, the guy has the tucked-in look immortalized in bronze outside Edmonton's Rexall Place arena!
UPDATED: A Semin parody account had some fun with the mini-issue after the game, and even got a little weird about it. Semin is one of the few Hurricanes players who do not have any social media links, at least according to the team web site.
UNTUCKED JERSEYS FOREVER. #FreeSasha—
Alex Semin (@alexsemin) September 19, 2013
tuck tuck goose.—
Alex Semin (@alexsemin) September 19, 2013
I like to tuck.—
Alex Semin (@alexsemin) September 19, 2013
Sasha would like to tuck you in to bed tonight.—
Alex Semin (@alexsemin) September 19, 2013
Semin's former teammate with the Washington Capitals Alex Ovechkin has gone on record saying the rule is "stupid."
Who's gonna be the first ref to tell Jagr to un-tuck his jersey? C'mon—
Joffrey Lupul (@JLupul) September 19, 2013
As usual the league is skewered online by fans about this rule that nobody wanted.
Prediction: Stanley Cup winning goal will be scored by someone with a jersey semi-tucked. Controversy! #BrettHull2point0—
Rory Boylen (@THNRoryBoylen) September 19, 2013
@NHL jersey tuck rule=stupid—
Cole Boulanger (@ColeBoulanger) September 19, 2013
And the 1st penalty for tucking in a jersey goes to Alex Semin. Not like the NHL has more important things to worry about.—
Mike Maniscalco (@mikemaniscalco) September 19, 2013
So Alex Semin is apparently the first player to be called for "tucking in his jersey" 2 minutes… Anyone else think this new rule is DUMB?—
#IsItOctoberYet (@HockeyFans24_7) September 19, 2013
Alex Semin actually got a penalty for tucking his jersey in? This is one of the most ridiculous rules I've ever heard of.—
Shaun Bisson (@ObserverShaun) September 19, 2013
FYI, #SashaCares about the rules. Semin's jersey was sewn to his pants in the 3rd period. http://t.co/JIAwKBao3X—
Jamie Kellner (@jbk_ltd) September 19, 2013
The 29-year-old, who signed a 5-year $35-million deal with the Hurricanes in March, scored twice on the evening, so the night wasn't a total loss.
Related Articles
- Ovechkin on NHL's new no-tuck jersey rule: 'I think it's kind of stupid' (prohockeytalk.nbcsports.com)
- Get The Tuck Out! (captainsspeech.wordpress.com)


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Search Result
Search Tags: groping
Trial for Air Force officer accused of groping
Tuesday - 11/12/2013, 09:10pm EST
Tags: Jeffrey Krusinski, Air Force,
Groping in Franconia could be connected to other cases
A groping incident in Springfield, Va., may be related to a series of similar crimes, say Franconia Police officers.
Thursday - 03/28/2013, 08:11pm EDT
D.C. man admits guilt to sex abuse in Dupont Cicle
A District of Columbia man has pleaded guilty to misdemeanor sexual abuse charges, admitting that he inappropriately groped several women in the city's Dupont Circle neighborhood last summer.
Friday - 11/09/2012, 07:43am EST
Tags: Oscar Mauricio Cornejo-Pena, Dupont Circle, sex abuse,
, September 2, 2014
Washington, DC
Now: 91 °FToday: A t-storm in spots late this afternoon
Hi: 92 °F | Lo: 69 °F


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A @HsuUntied Celebration of Francis Scott Key, One of Our Country's Most Famous Lawyers
Liz Stone, Legal Recruiter and Comedienne, Talks Law and Comedy with @HsuTubeEsq
How the Financial Crisis Changed Cahill Gordon
Greg 'Fossilman' Raymer Describes His Shift from Patent Law to Professional Poker on @HsuUntied
Corcoran: Bar Associations Need to Stop Preventing Change in Law
Law Professor Eric Goldman (@ericgoldman) Describes His Love of Slinkies On @HsuUntied
A Moment of Simple Justice: Law School
David Hornik, General Partner at August Capital and author of VentureBlog with @HSUTubeEsq
The Secret to Better Legal Writing
Ro Khanna (Tech Attorney, Author, Congressional Candidate) Talks Career & Congress w/ @HsuTubeEsq
Bingham McCutchen Reaches Out For BigLaw Merger Partners
5 Ways to Defeat Deposition Abuse
Do You Use Social Media in Your Practice?
Riley Russell, General Counsel of Sony Playstation, Talks 'Magic' With @HsuUntied
Similarities in Diversity between a Law Firm's Culture and a Clinical Trial
Dentons Global Chair Eyes Growth Through Law Firm Mergers
Looking at the Winners: How BigLaw Firms Can Grow in 2014
Will Shortz, Editor of the New York Times Crossword Puzzles, discusses his law school days on HsuUntied
Matt Goldberg, General Counsel of @ServiceSource, Discusses His Art on HsuUntied
Attorney Bill Burke Discusses Climbing Mt. Everest (Twice!) with @HsuTubeEsq on HsuUntied
A case study of how the Law Offices of Place & Hanley, LLC, leverages technology to effectively manage their cases in securities and commodities litigation, family law, wills and trusts....more
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Availability: Usually Ships Within 24-48 Hours
Clif Bar - Energy Bar Carrot Cake - 2.4 oz.
Clif Bar Carrot Cake Energy Bar is the first bar Clif Bar made, and it's still everything Clif Bar is about. Clif Bar Carrot Cake Energy Bar contains whole, all-natural, organic ingredients. Clif Bar Carrot Cake Energy Bar provides good nutrition and great taste. Whether you're on a 150-mile bike ride or making your way through a long day, Clif Bar Carrot Cake Energy Bar is the energy bar for everyone. When it comes to feeding your body, nothing beats real food. With a mix of whole grains, protein and fiber, Clif Bar Carrot Cake Energy Bar gives you sustained energy for your workout, your workday or your weekend adventure.
What is Clif Bar?
Clif Bar is the original all-natural and organic energy bar that delivers the optimal blend of nutrients for sustained energy. Clif Bar uses whole ingredients you can see and taste, such as organic and all-natural oats, fruits and nuts, to create delicious, portable food that's better for you and for the planet.
Why eat Clif Bars?
Clif Bar helps athletes and active people who respect their bodies and world around them to push farther with natural energy.
When should you eat Clif Bars?
For best results, Clif Bars should be eaten about one to three hours before exercise along with water to prevent hunger and supply energy to working muscles. During prolonged, lower intensity exercise such as hiking or bike touring, Clif Bars can be eaten during activity to help satiate hunger and meet carbohydrate demands. Clif Bars can also be eaten as a snack between meals or during a long, busy day to help sustain energy.
Are Clif Bars appropriate for kids to eat?
Because Clif Bars are formulated with adult needs in mind, children should not eat a whole bar until their nutritional needs more closely match those of an adult (around ages 9-13). Children ages 4-9 could have half on occasion and as with all food choices, parents should use their best judgment. An option for children is try out another bar they offer called Clif Kid Organic ZBaR. It is uniquely designed for the nutritional needs of growing, active children and tastes great.
How are Clif Bars different from other bars?
Clif Bar uses whole ingredients you can see and taste, such as organic and all-natural oats, fruits and nuts, to create delicious, portable food that's better for you and for the planet.
Why are Clif Bars made with 70% organic ingredients?
Organic food is good for the body and good for the planet. Their products use only the highest quality ingredients—ingredients that are not genetically modified and are free of toxic pesticide residues. Organic food also helps protect the environment. Sustainable agriculture produces less pollution, helps create nutrient rich soil, and increases biodiversity—helping to preserve the places they play like mountains, parks, rivers and oceans.
Do Clif Bars contain GMOs or bioengineered ingredients?
Clif Bar & Company is committed to sourcing ingredients that are not genetically engineered in all of their products. They have stringent protocols for GMOs which includes requiring affidavits from ingredient suppliers demonstrating they can meet their non GMO requirements.
Are Clif Bars kosher?
Clif Bars are Kosher Dairy. There are no dairy products in their bars; however, the vendor they purchase their non-dairy chocolate chips from makes chips containing dairy in the same building.
Are Clif Bars vegan-friendly?
Yes. There are no ingredients derived from animals in Clif Bars.
Do Clif Bars contain gluten?
All Clif Bar flavors contain organic rolled oats and barley malt extract. Oats and barley malt extract contain a natural amount of gluten. Gluten is an elastic protein substance naturally occurring in most grains.
Clif Bar Food Philosophy
Yes, Clif Bar admits it. They are a company that loves food. They love learning about food, cooking food, talking about food and especially eating and sharing food.
Good food provides health, joy, and energy, and is a delight to the senses. And food, made right, can make the whole world a better place.
That's why Clif Bar uses organic ingredients in all their products. Food grown organically - without the use of toxic pesticides or synthetic chemicals - is better for the planet. the body and the soul. And all their food is free of trans fats, hydrogenated oils, and high fructose corn syrup.
Clif Bar recognizes that food matters to their families, their communities and our planet - as their food choices affect the physical, social, and environmental fabric of our lives.
Clif Bar invited you all into their kitchen to join them for a meal, but there excited to have a way to share their food with you.
About Clif Bar by Gary CEO
Clif Bar is named after Gary's father, Clifford, his childhood hero and companion throughout the Sierra Nevada Mountains.
The inspiration to create an energy bar occurred during a day-long, 175-mile bike ride with his buddy Jay. They had been gnawing on some "other" energy bars all day.
Two year later, after countless hours in Mom's kitchen, the CLIF BAR became a reality. And the mission to create a better-tasting energy bar was accomplished. Thanks, Mom!
Allergen Statement: Contains Soy and Peanuts. May contain traces of Dairy, Wheat and Tree Nuts. ClifBar sources ingredients that are not genetically engineered.
Caffeine packs a punch. Consume responsibly. Not recommended for pregnant women, children or people sensitive to caffeine.
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9 Inch New Purple Plastic Plates
Plastic Plates 9" PurplePLTPL09 NPR
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Your Price: $4.79 pkg/20
9 Inch New Purple Plastic Plates are the perfect sizes for sandwiches and finger foods. Each purple plastic dinner plate measures 9 inches, and comes in a package of twenty. Celebrate with the bold pop of color these 9 Inch New Purple Plastic Plates will give your event tables.
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It's been nearly three years since Toya Bradley was shot to death along with her boyfriend Oshay Wells in the parking lot of Thornwood Apartments in Chicago Heights.
Apparently ambushed, they were shot multiple times as they were preparing to go out for the night on July 26, 2010. Bradley was 28, and a mother of four.
Her gristly murder, which remains unsolved, created an irreplaceable void in her family, especially in the lives of her three sisters — Tieshea, Tracey and Mimi.
"It's unbelievable to me because she's gone and we're never going to see her again," Mimi Bradley said.
To heal together and keep her memory alive, the sisters have been hosting an annual antiviolence picnic in Hodges Park, 352 E. 16th St. in Chicago Heights. This summer's third annual picnic will be from 11 a.m. to 7 p.m. July 27.
About 300 children have taken part in picnics past. The gatherings also offer music and activities including basketball, baseball and volleyball, Mimi Bradley said. She said Chicago Heights Park District Supt. Frank Perez has worked with her family to secure the park for them for the day.
"There are so many different reasons we're doing this and we want to do it to show the kids in the community that violence is not the answer," Mimi Bradley said.
The picnic is put on by the charity the sisters run, Taking Our Youth Above and Beyond. The charity also hosts an annual skating party for youth at the Glenwood Roller Rink.
Paperwork has been submitted to the state to turn the organization into a nonprofit, but the nonprofit status has yet to be granted.
Bradley said she believes Toya's killers were after Oshay Wells — a known gang member — and Toya was just at the wrong place at the wrong time. Oshay's cousin, Courtney, was murdered four months later. All three murders are believed to be linked to the murder of Julian Allen, whom police say was a well-known drug dealer. He was shot to death in June 2010. All four murders are unsolved.
Mimi Bradley said Chicago Heights police have told the family the investigation is still open and there is no news in the case.
"I hope we hear they did catch someone for it, and that person is getting help and off the streets so they can't do it again," Mimi Bradley said.
In light of her sister's death, she said Toya's four boys, ages 14, 12, 10 and 8, now live with her sister Tieshea. Twice now, all four children have attended the Illinois Comfort Zone Camp in Frankfort sponsored by the Sheilah A. Doyle Foundation. The camp is for children who have been affected by murders.
"We want to let them know they should continue doing positive things in their life," Mimi Bradley said. "Oftentimes kids can totally go down the wrong road. We want them to know violence is not the answer."
While Toya can never be replaced, Mimi Bradley said her absence has made the Bradley family come together in new ways.
"Our family and friends help us cope with it and our family is thriving," Bradley said. "It didn't break us down. It made our bonds stronger."
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Town Square
Should we name anything after a non-resident?
Original post made by Kate on Feb 14, 2007
on Feb 15, 2007 at 8:19 am
I argee with you, but we "beat" this issue to death about 3 weeks ago and the magority of responses felt like you and I.
on Feb 15, 2007 at 12:32 pm
Everything is being named King or Chavez these days..I understand they did important work but enough..we all get it, the minority's contributions to the community are important. But what about the important non-minorities who have made major economic and intellectual contributions to our local community? I think that society has some false sense that naming any public facility anything but King or Chavez is not "PC". Times have changed and it is not always about a certain groups rights, feelings, or desires to shape and conform every city within their belief system. Palo Alto has many major contributors and they should all be recognized equally regardless of status.
on Feb 15, 2007 at 1:44 pm
Churchill only remotely relates to Palo Alto too, to name one.


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Comme des Garçons large zip pouch / LCG51GFW12
Grey Polka Dots
Large Zip Pouch by Comme des Garçons. One of the designer's signature
pouches in smooth, polka dot print leather.Exposed
gold top zip / Self-zip pull / Black leather interior / Single
compartment / 'COMME des GARÇONS' is stamped in gold on front / Color: Grey Polka Dots / 100% Cowhide / Made in Spain / Box included / Also available in Black, Blue/Silver Star, Multi Star, Embossed Black, Red, Orange, Blue, Diamond Embossed Black, Burgundy, Black/Blue, Black/Green & Black/Pink.Measurements: 8.75"W x 6.5"H.Worn with / Comme des Garçons Shirt Peter Pan Collar Dress & Rachel Comey Reyes Oxford.
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Quotes & Info
|BNO > SEC Filings for BNO > Form 10-Q on 9-Aug-2013
|All Recent SEC Filings
Quarterly Report
The following discussion should be read in conjunction with the condensed financial statements and the notes thereto of the United States Brent Oil Fund, LP ("USBO") included elsewhere in this quarterly report on Form 10-Q.
Forward-Looking Information
This quarterly report on Form 10-Q, including this "Management's Discussion and Analysis of Financial Condition and Results of Operations," contains forward-looking statements regarding the plans and objectives of management for future operations. This information may involve known and unknown risks, uncertainties and other factors that may cause USBO's actual results, performance or achievements to be materially different from future results, performance or achievements expressed or implied by any forward-looking statements. Forward-looking statements, which involve assumptions and describe USBO's future plans, strategies and expectations, are generally identifiable by use of the words "may," "will," "should," "expect," "anticipate," "estimate," "believe," "intend" or "project," the negative of these words, other variations on these words or comparable terminology. These forward-looking statements are based on assumptions that may be incorrect, and USBO cannot assure investors that the projections included in these forward-looking statements will come to pass. USBO's actual results could differ materially from those expressed or implied by the forward-looking statements as a result of various factors.
USBO has based the forward-looking statements included in this quarterly report on Form 10-Q on information available to it on the date of this quarterly report on Form 10-Q, and USBO assumes no obligation to update any such forward-looking statements. Although USBO undertakes no obligation to revise or update any forward-looking statements, whether as a result of new information, future events or otherwise, investors are advised to consult any additional disclosures that USBO may make directly to them or through reports that USBO in the future files with the U.S. Securities and Exchange Commission (the "SEC"), including annual reports on Form 10-K, quarterly reports on Form 10-Q and current reports on Form 8-K.
USBO, a Delaware limited partnership, is a commodity pool that issues units that may be purchased and sold on the NYSE Arca, Inc (the "NYSE Arca"). The investment objective of USBO is for the daily changes in percentage terms of its units' per unit net asset value ("NAV") to reflect the daily changes in percentage terms of the spot price of Brent crude oil, as measured by the daily changes in the price of the futures contract for Brent crude oil traded on the ICE Futures Exchange ("ICE Futures") that is the near month contract to expire, except when the near month contract is within two weeks of expiration, in which case it will be measured by the futures contract that is the next month contract to expire (the "Benchmark Futures Contract"), less USBO's expenses. "Near month contract" means the next contract traded on the ICE Futures due to expire. "Next month contract" means the first contract traded on the ICE Futures due to expire after the near month contract. It is not the intent of USBO to be operated in a fashion such that the per unit NAV will equal, in dollar terms, the spot price of Brent crude oil or any particular futures contract based on Brent crude oil. It is not the intent of USBO to be operated in a fashion such that its per unit NAV will reflect the percentage change of the price of any particular futures contract as measured over a time period greater than one day. The general partner of USBO, United States Commodity Funds LLC ("USCF"), believes that it is not practical to manage the portfolio to achieve such an investment goal when investing in Futures Contracts (as defined below) and Other Crude Oil-Related Investments (as defined below).
USBO invests in futures contracts for crude oil, diesel-heating oil, gasoline, natural gas and other petroleum-based fuels that are traded on the ICE Futures, the New York Mercantile Exchange (the "NYMEX"), or other U.S. and foreign exchanges (collectively, "Futures Contracts") and other crude oil-related investments such as cash-settled options on Futures Contracts, forward contracts for crude oil, cleared swap contracts and over-the-counter transactions that are based on the price of crude oil and other petroleum-based fuels, Futures Contracts and indices based on the foregoing (collectively, "Other Crude Oil-Related Investments"). For convenience and unless otherwise specified, Futures Contracts and Other Crude Oil-Related Investments collectively are referred to as "Crude Oil Interests" in this quarterly report on Form 10-Q.
USBO seeks to achieve its investment objective by investing in a combination of Futures Contracts and Other Crude Oil-Related Investments such that daily changes in its per unit NAV, measured in percentage terms, will closely track the daily changes in the price of the Benchmark Futures Contract, also measured in percentage terms. USCF believes the daily changes in the price of the Benchmark Futures Contract have historically exhibited a close correlation with the daily changes in the spot price of Brent crude oil. It is not the intent of USBO to be operated in a fashion such that the per unit NAV will equal, in dollar terms, the spot price of Brent crude oil or any particular futures contract based on Brent crude oil. It is not the intent of USBO to be operated in a fashion such that its per unit NAV will reflect the percentage change of the price of any particular futures contract as measured over a time period greater than one day. USCF believes that it is not practical to manage the portfolio to achieve such an investment goal when investing in Futures Contracts and Other Crude Oil-Related Investments.
Regulatory Disclosure
Impact of Accountability Levels, Position Limits and Price Fluctuation Limits. Futures contracts include typical and significant characteristics. Most significantly, the Commodity Futures Trading Commission (the "CFTC") and the futures exchanges have established accountability levels and position limits on the maximum net long or net short futures contracts in commodity interests that any person or group of persons under common trading control (other than as a hedge, which an investment by USBO is not) may hold, own or control. The net position is the difference between an individual's or firm's open long contracts and open short contracts in any one commodity. In addition, most U.S.-based futures exchanges, such as the NYMEX, limit the daily price fluctuation for futures contracts. Currently, the ICE Futures imposes position and accountability limits that are similar to those imposed by U.S.-based futures exchanges and also limits the maximum daily price fluctuation, while some other non-U.S. futures exchanges have not adopted such limits.
The accountability levels for the Benchmark Futures Contract and other Futures Contracts traded on the NYMEX are not a fixed ceiling, but rather a threshold above which the NYMEX may exercise greater scrutiny and control over an investor's positions. The current accountability level for any one-month in the Benchmark Futures Contract is 10,000 net contracts. In addition, the NYMEX imposes an accountability level for all months of 20,000 net futures contracts for investments in futures contracts for oil. If USBO and the Related Public Funds (as defined below) exceed these accountability levels for investments in the futures contracts for oil, the NYMEX and ICE Futures will monitor USBO's and the Related Public Funds' exposure and may ask for further information on their activities, including the total size of all positions, investment and trading strategy, and the extent of liquidity resources of USBO and the Related Public Funds. If deemed necessary by the NYMEX and/or ICE Futures, USBO could be ordered to reduce its aggregate net position back to the accountability level. In contrast, the position limits for the ICE Futures maintain that when 100 lots or more are traded, the activity must be reported to the exchange on a daily basis. ICE Futures also maintains that an Expiration Limit of 6,000 lots, long or short, will apply for the five business days up to and including the expiration date. As of June 30, 2013, USBO held 381 Futures Contracts traded on the ICE Futures Europe and did not hold any Futures Contracts for Brent crude oil traded on the NYMEX. For the six months ended June 30, 2013, USBO did not exceed accountability levels on ICE Futures and the NYMEX.
Position limits differ from accountability levels in that they represent fixed limits on the maximum number of futures contracts that any person may hold and cannot allow such limits to be exceeded without express CFTC authority to do so. In addition to accountability levels and positions limits that may apply at any time, the NYMEX and the ICE Futures impose position limits on contracts held in the last few days of trading in the near month contract to expire. It is unlikely that USBO will run up against such position limits because USBO's investment strategy is to close out its positions and "roll" from the near month contract to expire to the next month contract beginning two weeks from expiration of the contract. For the six months ended June 30, 2013, USBO did not exceed any position limits imposed by the ICE Futures and the NYMEX.
The regulation of commodity interest trading in the United States and other countries is an evolving area of the law, as exemplified by the various discussions of the Dodd-Frank Wall Street Reform and Consumer Protection Act (the "Dodd-Frank Act"). The various statements made in this summary are subject to modification by legislative action and changes in the rules and regulations of the CFTC, the National Futures Association (the "NFA"), the futures exchanges, clearing organizations and other regulatory bodies. Pending final resolution of all applicable regulatory requirements, some specific examples of how the new Dodd-Frank Act provisions and rules adopted thereunder could impact USBO are discussed below.
Futures Contracts and Position Limits
The CFTC is prohibited by statute from regulating trading on non-U.S. futures exchanges and markets. The CFTC, however, has adopted regulations relating to the marketing of non-U.S. futures contracts in the United States. These regulations permit certain contracts on non-U.S. exchanges to be offered and sold in the United States.
In October 2011, the CFTC adopted rules that impose new position limits on Referenced Contracts (as defined below) involving 28 energy, metals and agricultural commodities (the "Position Limit Rules"). The Position Limit Rules were scheduled to become effective on October 12, 2012. However, on September 28, 2012, the United States District Court for the District of Columbia vacated these regulations on the basis of ambiguities in the provisions of the Commodity Exchange Act ("CEA") (as modified by the Dodd-Frank Act) upon which the regulations were based. In its September 28, 2012 decision, the court remanded the Position Limit Rules to the CFTC with instructions to use its expertise and experience to resolve the ambiguities in the statute. On November 15, 2012, the CFTC indicated that it will move forward with an appeal of the District Court's decision to vacate the Position Limit Rules. At this time, it is not possible to predict how the CFTC's appeal could affect USBO, but it may be substantial and adverse. Furthermore, until such time as the appeal is resolved or, if applicable revisions to the Position Limit Rules are proposed and adopted, the regulatory architecture in effect prior to the enactment of the Position Limit Rules will govern transactions in commodities and related derivatives (collectively, "Referenced Contracts"). Under that system, the CFTC enforces federal limits on speculation in agricultural products (e.g., corn, wheat and soy), while futures exchanges enforce position limits and accountability levels for agricultural and certain energy products (e.g., oil and natural gas). As a result, USBO may be limited with respect to the size of its investments in any commodities subject to these limits. Finally, subject to certain narrow exceptions, the vacated Position Limit Rules would have required the aggregation, for purposes of the position limits, of all positions in the 28 Referenced Contracts held by a single entity and its affiliates, regardless of whether such position existed on U.S. futures exchanges, non-U.S. futures exchanges, in cleared swaps or in over-the-counter swaps. The CFTC is presently considering new aggregation rules, under a rulemaking proposal that is distinct from the Position Limit Rules. At this time, it is unclear how any modified aggregation rules may affect USBO, but it may be substantial and adverse. By way of example, the aggregation rules in combination with any potential revised Position Limit Rules may negatively impact the ability of USBO to meet its investment objectives through limits that may inhibit USCF's ability to sell additional Creation Baskets of USBO.
Based on its current understanding of the final position limit regulations, USCF does not anticipate significant negative impact on the ability of USBO to achieve its investment objective.
"Swap" Transactions
The Dodd-Frank Act imposes new regulatory requirements on certain "swap" transactions that USBO is authorized to engage in that may ultimately impact the ability of USBO to meet its investment objective. On August 13, 2012, the CFTC and the SEC published joint final rules defining the terms "swap" and "security-based swap." The term "swap" is broadly defined to include various types of over-the-counter derivatives, including swaps and options. The effective date of these final rules was October 12, 2012.
The Dodd-Frank Act requires that certain transactions ultimately falling within the definition of "swap" be executed on organized exchanges or "swap execution facilities" and cleared through regulated clearing organizations (which are referred to in the Dodd-Frank Act as "derivative clearing organizations" ("DCOs")), if the CFTC mandates the central clearing of a particular contract. On November 28, 2012, the CFTC issued its final clearing determination requiring that certain credit default swaps and interest rate swaps be cleared by registered DCOs. This is the CFTC's first clearing determination under the Dodd-Frank Act and became effective on February 11, 2013. Beginning on March 11, 2013, "swap dealers," "major swap participants" and certain active funds were required to clear certain credit default swaps and interest rate swaps; and beginning on June 10, 2013, commodity pools, certain private funds and entities predominantly engaged in financial activities were required to clear the same types of swaps. As a result, if USBO enters into or has entered into certain interest rate and credit default swaps on or after June 10, 2013, such swaps will be required to be centrally cleared. Determination on other types of swaps are expected in the future, and, when finalized, could require USBO to centrally clear certain over-the-counter instruments presently entered into and settled on a bi-lateral basis. If a swap is required to be cleared, the initial margin will be set by the clearing organization, subject to certain regulatory requirements and guidelines. Initial and variation margin requirements for swap dealers and major swap participants who enter into uncleared swaps and capital requirements for swap dealers and major swap participants who enter into both cleared and uncleared trades will be set by the CFTC, the SEC or the applicable "Prudential Regulator."
On April 11, 2013, the CFTC published a final rule to exempt swaps between certain affiliated entities within a corporate group from the clearing requirement. The rule permits affiliated counterparties to elect not to clear a swap subject to the clearing requirement if, among other things, the counterparties are majority-owned affiliates whose financial statements are included in the same consolidated financial statements and whose swaps are documented and subject to a centralized risk management program. However, the exemption does not apply to swaps entered into by affiliated counterparties with unaffiliated counterparties.
On November 14, 2012, the CFTC proposed new regulations that would require enhanced customer protections, risk management programs, internal monitoring and controls, capital and liquidity standards, customer disclosures and auditing and examination programs for FCMs. The proposed rules are intended to afford greater assurances to market participants that customer segregated funds and secured amounts are protected, customers are provided with appropriate notice of the risks of futures trading and of the FCMs with which they may choose to do business, FCMs are monitoring and managing risks in a robust manner, the capital and liquidity of FCMs are strengthened to safeguard their continued operations and the auditing and examination programs of the CFTC and the self-regulatory organizations are monitoring the activities of FCMs in a thorough manner. The final regulations have not yet been adopted.
Additionally, the CFTC published rules on February 17, 2012 and April 3, 2012 that require "swap dealers" and "major swap participants" to: 1) adhere to business conduct standards, 2) implement policies and procedures to ensure compliance with the CEA and 3) maintain records of such compliance. These new requirements may impact the documentation requirements for both cleared and non-cleared swaps and cause swap dealers and major swap participants to face increased compliance costs that, in turn, may be passed along to counterparties (such as USBO) in the form of higher fees and expenses that related to trading swaps. On July 27, 2013, the Division of Swap Dealer and Intermediary Oversight issued a time-limited no-action letter delaying the implementation of some of the documentation requirements placed on "swap dealers" and "major swap participants" for certain foreign-exchange forwards and swaps until September 1, 2013.
On April 5, 2013, the CFTC's Division of Clearing and Risk issued a letter granting no-action relief from certain swap data reporting requirements for swaps entered into between affiliated counterparties. In general, the letter grants relief from, among others: real-time, historical and regular swap reporting (under Part 43, Part 45 and Part 46 of the CFTC's regulations, respectively).
On April 9, 2013, the CFTC's Division of Market Oversight issued a letter granting time-limited no-action relief to non-swap dealer, non-major swap participant counterparties from the real-time, regular and historical swap reporting requirements (under Part 43, Part 45 and Part 46 of the CFTC's regulations, respectively). The regular reporting requirements (Part 45 of the CFTC regulations) for interest rate and credit swaps of a financial entity (including a commodity pool such as USBO) began on April 10, 2013. The letter delays implementation of the reporting requirements based upon the asset class underlying the swap and the classification of the reporting counterparty. For a financial entity (including a commodity pool such as USBO), regular reporting requirements for equity, foreign exchange and other commodity swaps (including swaps on Brent oil) began on May 29, 2013 and reporting of all historical swaps for all asset classes begins on September 30, 2013.
The effect of the future regulatory change on USBO is impossible to predict, but it could be substantial and adverse.
USCF, which is registered as a commodity pool operator ("CPO") and a swaps firm (pending) with the CFTC, is authorized by the Third Amended and Restated Agreement of Limited Partnership of USBO (the "LP Agreement") to manage USBO. USCF is authorized by USBO in its sole judgment to employ and establish the terms of employment for, and termination of, commodity trading advisors or FCMs.
Price Movements
Brent crude oil futures prices exhibited moderate daily swings along with a downward trend during the six months ended June 30, 2013. The price of the Benchmark Futures Contract started the period at $111.11 per barrel. The Benchmark Futures Contract reached its high for the period on February 14, 2013 at $118.00 per barrel and reached its low for the period on April 17, 2013 when the price dropped to $97.69 per barrel. The period ended with the Benchmark Futures Contract at $102.16 per barrel, down approximately 8.06% over the period. USBO's per unit NAV began the period at $81.95 and ended the period at $77.77 on June 30, 2013, a decrease of approximately 5.10% over the period. USBO's per unit NAV reached its high for the period on February 14, 2013 at $88.60 and reached its low for the period on April 17, 2013 at $74.02. The Benchmark Futures Contract prices listed above began with the February 2013 contract and ended with the August 2013 contract. The decrease of approximately 8.06% on the Benchmark Futures Contract listed above is a hypothetical return only and could not actually be achieved by an investor holding Futures Contracts. An investment in Futures Contracts would need to be rolled forward during the time period described in order to simulate such a result. Furthermore, the change in the nominal price of these differing crude oil Futures Contracts, measured from the start of the period to the end of the period, does not represent the actual benchmark results that USBO seeks to track, which are more fully described below, in the section titled "Tracking USBO's Benchmark."
During the six months ended June 30, 2013, crude oil moved into a mild state of backwardation, meaning that the price of the near month crude oil Futures Contract was greater than the price of the next month crude oil Futures Contract, or contracts further away from expiration. Crude oil inventories in the United States, which reached historic levels in January 2009 and February 2009 and which appeared to be the primary cause of the steep level of contango, began to drop in March 2009 and continued to drop for the remainder of 2009 and the beginning of 2010. During the year ended December 31, 2010, crude oil inventories began to climb higher; however, beginning mid-2012 inventories outside the U.S. were at their lowest levels in nine years. Although the market was tight, global markets were keeping prices low and the futures market in contango, when otherwise, due to inventory, it was more in a backwardation environment. The Brent crude oil futures market did not experience the steep levels of contango seen in the United States during the six months ended June 30, 2013. The Brent crude oil futures market moved into a very mild backwardation through the end of March 2013. During the six months ended June 30, 2013, the Brent crude oil market remained in backwardation. For a discussion of the impact of backwardation and contango on total returns, see "Term Structure of Crude Oil Prices and the Impact on Total Returns" below.
Valuation of Futures Contracts and the Computation of the Per Unit NAV
The per unit NAV of USBO's units is calculated once each NYSE Arca trading day. The per unit NAV for a particular trading day is released after 4:00 p.m. New York time. Trading during the core trading session on the NYSE Arca typically closes at 4:00 p.m. New York time. USBO's administrator uses the ICE Futures settlement price (a weighted average price of trades during a three minute settlement period from 2:27 p.m. to 2:30 p.m. New York time) for the contracts held on the ICE Futures, but calculates or determines the value of all other USBO investments, including NYMEX contracts or other futures contracts, as of the earlier of the close of the NYSE Arca or 4:00 p.m. New York time.
Results of Operations and the Crude Oil Market
Results of Operations. On June 2, 2010, USBO listed its units on the NYSE Arca under the ticker symbol "BNO." On that day, USBO established its initial offering price at $50.00 per unit and issued 200,000 units to the initial authorized purchaser in exchange for $10,000,000 in cash.
Since its initial offering of 50,000,000 units, USBO has not registered any subsequent offerings of its units. As of June 30, 2013, USBO had issued 4,600,000 units, 500,000 of which were outstanding. As of June 30, 2013, there were 45,400,000 units registered but not yet issued.
More units may have been issued by USBO than are outstanding due to the redemption of units. Unlike funds that are registered under the Investment Company Act of 1940, as amended, units that have been redeemed by USBO cannot be resold by USBO. As a result, USBO contemplates that additional offerings of its units will be registered with the SEC in the future in anticipation of additional issuances and redemptions.
As of June 30, 2013, USBO had the following authorized purchasers: Citadel Securities LLC, Credit Suisse Securities (USA) LLC, Deutsche Bank Securities Inc., JP Morgan Securities Inc., Merrill Lynch Professional Clearing Corporation, Morgan Stanley & Co. LLC, Nomura Securities International Inc., Virtu Financial Capital Markets and Virtu Financial DB LLC.
For the Six Months Ended June 30, 2013 Compared to the Six Months Ended June 30, 2012
As of June 30, 2013, the total unrealized gain on Futures Contracts owned or held on that day was $192,090 and USBO established cash deposits and investments in short-term obligations of the United States of two years or less ("Treasuries") and money market funds that were equal to $38,750,096. USBO held 92.62% of its cash assets in overnight deposits and investments in money market funds at its custodian bank, while 7.38% of the cash balance was held as investments in Treasuries and margin deposits for the Futures Contracts purchased at the FCM. The ending per unit NAV on June 30, 2013 was $77.77.
By comparison, as of June 30, 2012, the total unrealized loss on Futures Contracts owned or held on that day was $568,660, and USBO established cash deposits and investments in Treasuries and money market funds that were equal to $45,721,386. USBO held 84.60% of its cash assets in overnight deposits and investments in money market funds at its custodian bank, while 15.40% of the cash balance was held as investments in Treasuries and margin deposits for the Futures Contracts purchased at the FCM. The decrease in cash assets in overnight deposits and investments in Treasuries and money market funds for June 30, 2013, as compared to June 30, 2012, was the result of USBO's smaller size as of June 30, 2013 as measured by total net assets. The ending per unit NAV on June 30, 2012 was $69.37. The increase in the per unit NAV for June 30, 2013, as compared to June 30, 2012, was primarily a result of higher prices for crude oil and the related increase in the value of the Futures Contracts that USBHO had invested in between the six months ended June 30, 2012 and the six months ended June 30, 2013.
Portfolio Expenses. USBO's expenses consist of investment management fees, brokerage fees and commissions, certain offering costs, the fees and expenses of the independent directors of USCF and expenses relating to tax accounting and reporting requirements. The management fee that USBO pays to USCF is calculated as a percentage of the total net assets of USBO. USBO pays USCF a management fee of 0.75% of its average daily total net assets. The fee is accrued daily and paid monthly.
During the six months ended June 30, 2013, the average daily total net assets of USBO were $43,789,804. The management fee incurred by USBO during the period amounted to $162,862. By comparison, during the six months ended June 30, 2012, the average daily total net assets of USBO were $52,791,590. The management fee paid by USBO during the period amounted to $196,887.
In addition to the management fee, USBO pays all brokerage fees and other expenses, including tax reporting costs, ongoing registration or other fees paid to the SEC, the Financial Industry Regulatory Authority ("FINRA") and any other regulatory agency in connection with offers and sales of its units subsequent to the initial offering and all legal, accounting, printing and other expenses . . .


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How Can I Fund A Roth IRA If My Income Is Too High To Make Direct Contributions?
What are the differences between a 401K and an IRA?
What are the exceptions to the premature withdrawal penalty rules for IRA accounts?
Does it make sense to convert a Traditional IRA to a Roth when the market's down?
What are the penalties for withdrawing from my Traditional IRA less than a year after acquisition?
I am a teacher in a public school system and I don't presently have a 403(b) plan, but I do have some money in a Roth IRA and also a self-directed IRA. Can I roll my IRA funds into a newly opened 403(b) plan, since I am presently employed by the school sy
What will happen to my SEP IRA if I leave my current employer?
My wife and I both converted our Traditional IRAs to Roth IRAs in Dec 1998 and have invested the maximum amount each year to date in the Roth. I am purchasing a new home in January. Do my wife and I each qualify for a one-time, tax-free $10,000 "qualified
I am rolling my 401(k) into an IRA. After a year, can I convert this amount to a Roth IRA tax free?
Is it possible to reverse an IRA? I received a QDRO and owe money to my ex-husband. Is it possible to reverse the QDRO, which was put into a CD Traditional IRA account, without incurring any type of penalty?
I am the beneficiary of an IRA and a Keogh. Can I combine them into one plan?
I retired and transferred part of my pension distribution to a Roth IRA. If I am over 55, do I still qualify for the age 55 exemption?
Can I convert non-deductible contributions made to my Traditional IRA to a Roth IRA without being taxed?
If I participate in my company's SIMPLE IRA plan, can I also contribute to another IRA in order to receive a larger tax deduction?
Are any special forms or documents required when transferring an IRA/SEP/SIMPLE to a Traditional IRA?
My husband has become eligible for a 401(k) plan (with no matching contribution) at work. How do we get back the $9,000 that we already contributed to our IRA for 2005 without a penalty? My husband earns $144,000/year and we're both over 50 years old.
Can I contribute to both a 401(k) and an IRA?
I am in my mid thirties and have nothing invested for retirement. Is it too late to start contributing for a retirement plan?
Which amount should the brokerage use for the 1099-R?
Is there a limit on how much I can move from my IRA to my Roth IRA?
As a temporary resident of the US, can I withdraw funds from my Traditional IRA without penalty when I leave the country?
I make over $100,000/yr and my adjusted gross income precludes standard IRA contributions. My contributions to my 401(k) plan at work are limited to about $7,000/yr. It seems I'm being penalized for my income. Are there other retirement savings options av
My spouse has little/no income. Can I contribute to my spouse's IRA?
Is it permissible for a 70-year-old person to buy an IRA?
What is the difference between a Traditional and a Roth IRA?
Can I roll my SEP IRA into a Traditional IRA or should I convert to a Roth?
If I am no longer employed, can I roll over a 403(b) plan into an IRA?
I am making after-tax contributions to an IRA. Will I get taxed again when I withdraw it (when eligible)?
What's the best kind of IRA for a 20-something?
I will be receiving monies from a QDRO executed pursuant to my divorce. I would like to take a portion of the money as a distribution to pay for a new home. What are the tax implications of doing this?
Can I fund a Traditional IRA, a 403(b) or a Roth IRA using pension money? I'm 56 years old. What limits apply if I can?
What is the difference between a ROTH, SEP and Traditional IRA?
Does participation in a 401(k) plan prevent an individual from contributing to a Traditional IRA?
How can I make sure that past IRS errors have been corrected?
What is the difference between a Keogh and an IRA?
Can an individual contribute to both a Roth IRA and a Traditional IRA in the same year?
What procedure applies to a taxpayer who made excess contributions for 2001, 2002, 2003 and 2004 and has neither withdrawn the excess and the earnings for 2001-2003, nor recharacterized 2004 to a Traditional IRA? How are multiple years such as this to be
I am self-employed and do not need most of my IRA RMD for expenses. Can I reinvest it in Roth IRAs?
My Traditional IRA has been converted to a Roth IRA. Can I still make a qualified withdrawal as a first-time home buyer?
I didn't record my Traditional IRA contributions. Is there a website that lists IRA contribution limits for past years?
Can I return funds to my Traditional IRA after taking a distribution?
Can a simplified employee pension (SEP) IRA be converted to a Roth IRA in the same manner that a Traditional IRA can?
What is the five-year waiting rule for Roth IRAs?
Can I roll a Traditional IRA into a 529 college account for my grandchild?
My recently deceased spouse's IRA has been rolled over into mine. Does the cost basis change for me?
I earn more than the income limit for both a Roth and Traditional IRA deduction. Should I contribute anyway?
Can my spouse and I convert our IRAs to Roth IRAs regardless of earned income?
Can my spouse and I combine our Traditional IRAs?


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PEORIA, Ill. -- The spring and summer are filled with multitudes of weddings, so love is definitely in the air. But how do new couples stay in love?
There is a new area of research that surrounds couples who were recently married: the newlyweds. It examines what keeps newlyweds locked in a strong relationship, and what breaks up marriages.
What are the key things that are stressful for newlyweds?
* Chronic stress from in-laws and family disputes
* Stress related to work
* Stress related to finances
What do we know about these stressors and the way partners handle the stress?
* Stress and support during these times were an indicator of the duration of the marriages of newlyweds.
* Those partners who did not feel supported by their partner reported that their satisfaction levels dropped 61 percent.
* A supportive partner tended to help make the stressor disappear- it tended to buffer the stressful situation so it was bearable.
Divorces tend to happen in the first five years of a marriage and marital support is a big factor in the ability to stay together What are some tips for newlyweds or for any couple keeping it together?
* Know your partner. If you can sense that your partner is stressed and having difficulties, find time to help them talk through the problem, or give them slack for being a little moody.
* Focus on time together. Relationships need attention. Remember the importance of together time and spending quality time with your partner
* Keep the lines of communication open. When one partner is stressed, the most common reaction is for one person to shut down, and pull in. Communication lessens and partners shut each other out of their deepest feelings. The key is to keep talking and encourage conversation and expression of feelings.
* Focus on what really matters. Relationships that are enduring tend to be ones where there is laughter, the ability to communicate and stay open, the ones where there are shared activities, and ones where each partner feels like a priority.
The key to a long lasting relationship is to pay attention to the "us" and put your partner at the forefront of your attention.


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Jeff and Barbara Hastings of Evans, Ga., are pleased to announce the engagement of their daughter, Hannah Brooke Hastings, to Jake Grant Norris, the son of Larry and Ginger Norris of Jasper.
The bride-elect is the granddaughter of the late Mr. and Mrs. William Hastings of Lutesville, Mo., and the late Mr. And Mrs. Carlton Blankenship of Sullivan, Ohio.
She is a graduate of Faulkner University with a B.A. in English and she will complete a masters of art in education degree at Augusta State University this fall. She is currently employed with the Bradley Schools and Northrop Grumman.
The prospective groom is the grandson of Jimmy and Judy Barker of Jasper, and Charles and Johnnie Parrish of Jasper.
He is a graduate of Athens State University with a B.S. in liberal arts. He is currently employed with Northrop Grumman.
The wedding will take place at 3 p.m. on Saturday, Oct. 22, 2011, at the Central Church of Christ in Martinez, Ga.
Pamela Lou Gilmore of Jasper and Stephen Myers Kelly are pleased to announce their engagement.
The bride-elect is the daughter of Mr. and Mrs. Arthur R. Gilmore of Jasper. Her grandparents are Mrs. Estelle Gilmore and the late L.H. Gilmore of Jasper, and the late Elder and Mrs. W.G. McGough of Nauvoo. Her children are Joshua Keeton (Joy) of Hayden and Ashley Keeton of Jasper. She has one grandson, Caleb Joshua Keeton.
She is a 1982 graduate of Walker High School and a 1992 graduate of Bevill State Community College, where she received her LPN license. She is currently a retired LPN.
The prospective groom is the son of Mrs. Loren Kelly and the late Thomas G. Kelly Sr., M.D., of Jasper. His grandparents are the late Mr. and Mrs. Alexander Rennie Kelly Sr. of Augusta, Ga., and the late Mr. and Mrs. Arthur Lafayette Myers of Cooley, La.
He is a 1979 graduate of Walker High School and attended Walker College in 1979 through 1981, and a 1985 graduate of Bevill State Community College. He is currently employed with Alabama Power Company at Gorgas Steam Plant.
Rebecca Lee Naramore and Allen Edward Veazey will be wed on Sept. 25, 2011, at Smith Lake at 2 p.m. Rebecca is the daughter of Thomas Alton Naramore and Carolyn Haynes Naramore. She is the granddaughter of the late Bud and Carlene Haynes and the late Claudie and Rebecca Naramore. Allen is the son of Richard Veazey and the late Barbara Veazey. He is the grandson of the late Rosa and Horace Veazey and George and the late Eula Cloys.


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Bateaux Parisiens Dinner Cruise on the Seine
- See the sights illuminated at night
- Choice of seating available
- Several menus to choose from
- Free drinks included
- Travel by boat and see the sights from the water
- Dinner included
Your fabulous three-course French dinner is prepared on board by Chef Gras, an Academie Culinaire de France chef, and his team. While enjoying the dishes, you'll glide down the Seine River aboard a Bateaux Parisiens boat. Bateaux Parisiens boats have a unique glass roof and panoramic windows, providing unobstructed views of the illuminated riverside sights of Paris.
The cruise departs from the Eiffel Tower and sails along the Left Bank to the illuminated Ministry of Finance building at Bercy. The cruise returns to the lights of the Eiffel Tower via the Right Bank.
There are three dinner cruise options to choose from:
Service Etoile Option:
Seating is at a table of six to eight people in the middle of the boat. The boat is entirely glassed-in, so you'll enjoy great views from the middle of the boat. Upon arrival, you'll be served a Blanc de Blancs Kir aperitif and cheese puffs along with wine, mineral water and coffee service
Service Privilege Option:
Seating is at a table of four people by the window of the boat. You are ideally located to admire the most beautiful monuments of Paris. Choice of aperitif is included along with wine, mineral water and coffee service.
Service Premier Option:
Seating is at a table at the front of the boat, perfect for taking in the views of Paris by night. On arrival at the pier, you are greeted by a hostess and given priority boarding access. On board, a choice of aperitif with cheese puffs is served, followed by a selection of Chablis and Chateau du Gazin Canon-Fronsac wines, mineral water and coffee service.Your meal is finished with delicious liqueurs.
Hotel pickup is available.
Recent Photos of this Tour
Schedule details
Select a month to view a calendar of availability and departure details.
Cruise departs at 8.30pm
Pricing information
Click the link below to check pricing & availability on your preferred travel date. Our pricing is constantly updated to ensure you always receive the lowest price possible.
Service Etoile Menu
Code: DRE
Paris river cruise with a 3-course dinner from the service Etoile menu. Seated at a table for 6 to 8 people in the center of the boat.
$271.42Pricing details
Service Privilege Menu
Code: DCR
Paris river cruise with a 3 course dinner from the service privilege menu. Seated at a table for a maximum of 4 people close to the window.
$398.27Pricing details
Service Premier Menu
Code: DPE
Paris river cruise with a 3 course dinner from the service premier menu. Seated at a round table for a maximum of 8 people at the front of the boat.
$429.64Pricing details
Pricing information
Bateaux Parisiens Dinner Cruise on the Seine
- Dinner cruise
- Live entertainment
- Hotel pickup and drop-off (selected hotels only)
- Gratuities (optional)
- Food and drinks, unless specified
- Confirmation will be received within 48 hours of booking, subject to availability
- Must be 18 years of age to drink alcohol
- Dress code is formal
- Wheelchair accessible
Sample Menu (subject to change at any time without notice):
Entree (choose one):
- Shellfish soup infused with mushrooms, served with crayfish and mushrooms or
- Swordfish marinated in sesame and coriander, spiced with lemon seasoning or
- Duck Foie Gras, yellow plum and walnut chutney and port wine or
- Smoked salmon steak with spices and herbs, Sea urchin and taramasalata Brouillade or
- Scallops, shellfish juice infused with green herbs, chesnuts and lettuce
Main (choose one):
- Atlantic sea bass steak with chardonnay sauce or
- Duckling fillet marinated in red wine, olive oil and pepper sauce or
- Roast beef fillet, perigueux sauce flavored with black truffles or
- Broth-poached poultry breast, served with albufera sauce
- Selection of fine cheeses
Dessert (choose one):
- Matured Saint-Marcellin cheese and mixed salad
- Praline and chocolate desset
- Caramelised pear, sugar tart, milk jam ice cream
- Square lemon and citrus tartlet served with orange crisps
- Mineral water, coffee
Please note: Vegetarian options will be available on the night.
Traveler Reviews
Reviewed by: Billy H, August 2014
The boat was first class, the meal and wine paring excellent and the view spectacular.
Reviewed by: Houman M, July 2014
Fantastic event for my in laws 50th anniversary. Highly recommend.


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TOPICSAbbotsley Ancestry.co.uk Ancestry.com Babbage Bailey Barber Barker Bedfordshire Bishop Books Botesdale Bowers Brightwell Burnell Cambridgeshire Census Clarke Cooper Crime Cross Devon Dewey Elveden Ely Events Fairy Family Tree Farmers Fenland FindMyPast.co.uk Flower Franks Geneabloggers Genealogy Genealogy Resolutions Giddings Gilbert Goodsole Gothard Haddenham Hale Harrison Hawkins Head Heir Hunters Hertfordshire History Societies Howlett Huntingdonshire Levitt Little Downham Littleport Little Thetford Martin Mildenhall Miller Moden Newell Newman News Occupations Odd Ong Poll Publicans Railwaymen Researching Royalty Seasonal Shopkeepers Skeel Soham Somerset Steadman Stretham Suffolk Surname Saturday Swaffham Bulbeck Taylor Technology Television The Web Tingay Tingey Tombstone Tuesday Truelove Wartime WDYTYA Wedding Wednesday Wentworth What's Up Genealogy? Who Do You Think You Are? Who Do You Think You Are? Live Wicken Wilburton Witcham Witchford Wordless Wednesday Wright Yarrow
- RT @AncestryUK: Estimated 2% of Scotland's population are of Italian origin. Interesting.#WDYTYA 7 hours ago
- Seeking Co-coordinator for FHISO Technical Standing Committee fhiso.org/2013/07/seekin… via @FHISOrg 8 hours ago
- RT @wattshisname1: @FamilyTreeUK @guardian Never mind equality. Terrific news for 22nd century genealogists! 1 day ago
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- An important message from The Ministry ow.ly/i/6Ayh9 #timetravel #keepcalm 3 days ago
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Tag Archives: Gamlingay
Surname Saturday: Gillions
This week's Surname Saturday themed posting looks at my family name of GILLIONS from Bedfordshire, England. Continue reading


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By: Jenny Briskman
I'm a huge indie film fan. I can pass on most big-budget movies; even the ones I'm so excited to see beforehand (I'm looking at you, Hunger Games), never end up being that great. But give me a low-budget, one-camera film, with some no-name actor, and I'm good to go.
So at this year's Tribeca Film Festival, I ended up seeing 5 movies (if you're interested, they were: Rubberneck, Resolution, Mansome, Shorts: Status Update and Free Samples…All worth seeing, except Free Samples, which may have been the worst movies I've ever seen).
Where I'm going with this, is that before each film that plays as part of Tribeca, the same sponsor commercials play – American Express, Caesars, Heineken. So by the third time I was seeing these spots, I was sick of them…Except, that is, for one very interesting Stoli commercial.
You can watch the spot here
Go ahead and watch before you continue reading this post – I promise it's worth the :26 seconds of your life.
Notice anything interesting? Ya, I didn't either. The spot always got a good laugh from the audience – who among us hasn't been in a theater with that asshole whose cell phone keeps ringing?
But then I saw the spot a second time. Then a third. And then I noticed something. What if the main character – Terry – were African-American and the African-American guy sitting in the theater, nibbling on popcorn and watching, entertained, as Terry gets knocked out, were Caucasian? What sort of PR nightmare would Stoli have had on their hands then? And what type of laugh, or startled silence, would have come from the Tribeca audience?
By: Jenny Briskman


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Aug 23, 2014 12:47:00 PM
Topics: startups, Cloud / Infrastructure / Networks, Yottaa News, site performance and optimization
Aug 15, 2014 1:39:00 PM
Jul 28, 2014 12:00:00 PM
Forbes recently published an article that outlines the "Top Technology Trends for 2014 and Beyond", as told by experts at Forrester Research. It's an excellent distillation of the trends we at Yottaa have observed of late. Some highlights:
Jul 25, 2014 1:22:59 PM
Increasing conversions is a complex puzzle. At Yottaa we focus on a few methods that accomplish that feat: improving performance, sequencing content, and applying contextual rendering to name a few. But there are many, many more business decisions involved in conversion. Website design, promotions and pricing, loyalty programs, customer support, and shipping policies all roll into the ultimate customer decision to hit "complete purchase".
Jul 21, 2014 6:15:00 PM
The first of Amazon's Fire phones will ship later this week. It's yet to be seen if the phone will be the disruptive technology success Amazon hopes for or a commercial flop, but we do know that many online retailers are not prepared for it. Yottaa recently sampled 150 top mobile retail websites ("m.dot" sites) and only 1 in 5 were able to handle the new phone properly. The rest of the sites (78 percent) will present Fire phone users the unoptimized "desktop" version of the site -- a surefire poor experience on a phone.
Jul 10, 2014 2:49:00 PM
And the equation that will get you there
Topics: Web Performance Optimization, site performance and optimization, Analytics
Jun 27, 2014 4:11:00 PM
This week Yottaa welcomed Adrian Mendoza, co-founder of Marlin Mobile, to present a webinar called "Monetizing Mobile: How to Optimize Mobile Engagement and Conversions". Adrian and Ari Weil, VP of Products at Yottaa, discuss the current state of mobile, the challenges site owners face in presenting an engaging experience, and tactics to overcome those challenges. A video recording of the webinar is available below.
May 20, 2014 11:17:13 AM
Last month Yottaa's VP of Products, Ari Weil, spoke on a panel at the MITX Mobile Summit in Boston. He joined Kit Sirota from Bluetrain.io, Brian Kalma from GetGlorious, and panel host George White from Cantina to discuss the intersection of performance and responsive design.
Topics: Web Performance Optimization, Mobile, company news
May 16, 2014 10:24:00 AM
Topics: Web Performance Optimization, Mobile, site performance and optimization
May 5, 2014 3:00:00 PM
Online "Engagement" is a hot buzzword that's deployed by a number of web services industries to describe their value proposition. (Full disclosure: Yottaa is as guilty of this as anyone). Like most buzzwords, its popularity is due to the fact that it's a pithy and accurate description of what the target audience, website owners and online marketers, want to achieve. Engagement connotes attention, enjoyment, and -- most importantly -- interaction. No matter what your business does, if you have a website, you want visitors to engage with it.
Image from Flickr
Let's assume that all services that promise to increase engagement are effective in doing so. With so many services doing different things to promote engagement, it would seem like the more the better -- why not do everything you can to improve engagement? But in the increasingly complex environment that is the Internet, adding services and products to a site always has consequences, intended or otherwise. In this post we'll cover some of the pros and cons of common engagement-inducing services like social media widgets, online advertising, gamification, and A/B testing. We also cover some hidden costs related to performance that may actually lead to neutral or reduced engagement.
Topics: E-Commerce, Conversion Optimization, Engagement, site performance and optimization


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OVI store doesn't autorun when open an Ovi Store link (since Anna??)
I have this link from my widget app
I use this to promote my other appsCode:link
but instead to auto-run the oviStore, browser stops at some page where is a download link to oviStore which I accesed/installed and same thing the next time...
so how do I open OviStore to a certain app from a widget???


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"The Big Beehive" Lake Louise Fine Art Gallery Wrapped Canvas Print
- Type: Fine Art Gallery Wrapped Canvas Prints
- Photographer: David Huting
- Location Shot: acanada banff big beehive lake louise mountain art mountains rockies tea house towering
"The Big Beehive"
lake louise, banff national park
Sun and clouds combine with a fresh layer of snow in this striking winter scene from
Lake Louise's iconic mountains - Big Beehive is right in the middle. If you look close enough,
you can see the Tea House resting atop it.
The above image is a conceptualization only; be sure and measure your wall to ensure a proper fit.
Pieces 50" & under include a beehive support mount which installs
wall, dimensions, & the piece(s) you're interested in, and I'll create a free 3D concept for you.
(First time customer? Ask me about my special pricing.)
Learn About My 100% Satisfaction Guarantee
Read My 100% Positive Customer Reviews


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Researching Florentine Workshop Practice
Researching Florentine Workshop Practice is a project that seeks to better understand fourteenth-century Florentine workshop practice and how the materials chosen by artists working in both panel painting and manuscript illumination impact the present-day appearance. . . (more)
Works on Parchment
Using noninvasive techniques for materials analysis and study
Works on Panel
Comparing techniques and materials through analysis and study
Digital Reconstruction
Estimating original appearance informing conservation
Exhibition Didactics
Presenting the project to the public
Related Materials
Materials include: books, articles, and interactives
Banner image: The Ascension of Christ (detail) from the Laudario of Sant'Agnese, about 1340, Pacino di Bonaguida. Tempera and gold on parchment, The J. Paul Getty Museum, Ms. 80a, verso.


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From the Manufacturer's Label:
Hydrating Formula
Fragrance Free
For Sensitive Skin
Dermatologist Approved
WILL USING THIS GET ME A RAISE? Absolutely. If you're talking about facial hair. This rich, low-foam formula softens and preps your skin and beard for a more comfortable shave. Won't dry out skin or clog pores, either. Made for sensitive skin.
WHAT'S IN IT? SQUA-WHAT? Squalane, derived from wheat germ, lubricates and softens; olive oil extract hydrates; chamomile soothes, and aloe heals.
Manufactured by Every Man Jack®.Paraben Free, Cruelty Free, Free of Harmful Ingredients


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Over the next three months, there will be plenty of issues that are discussed at the Mississippi State Capitol. But there was one that started to come up before they ever gaveled the session to order Tuesday.
The Mississippi Tea Party started the day with an anti-Common Core rally. They stand by their opinion that the federal government will now have control over our kid's education.
The group moved from the rally to the Capitol where they hoped their voices would be heard by the lawmakers.
"It appears that the Mississippi Department of Education did not have a real review of what the Common Core standards were going to say," State Tea Party chairman Laura Van Overschelde explained.
They believe the standards won't live up to the promises of higher achievement. With the session underway, one Senator has a bill aimed at stopping Common Core. It's drafted and ready to file.
"What I would like to do is replace Common Core with exemplary that another state had prior to common core that were heralded by experts across the country as being good standards, better than Common Core," said Senator Angela Hill-R.
Governor Phil Bryant says he'd like to see the legislature follow his lead with Common Core legislation.
"I hope we do that will help us build a fence around our educational system that will keep the federal government from interfering with it. That's why I issued the executive order. Not to appease anyone," Bryant said.
Still, some democratic legislators are skeptical about the controversy.
"These people that are fighting it really don't understand Common Core," said Representative Credell Calhoun-D.
"I'm trusting the local school board. I'm trusting the state board of education to give us some guidance on this matter and I don't see them backing that up right now," maintained Representative Bobby Moak-D.
715 South Jefferson Street
Jackson, Mississippi 39201
(601) 948-3333
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EEO Report
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EEO Report
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Narrow your search
Slingbox adds an entry-level device to its product lineup and updates its existing offering. Sling Media's general manager explains what the changes mean for consumers who want to watch video content when on the go.
Sling in January accused Belkin and another rival, Monsoon, of infringing on patents used in its Slingbox device that lets users watch and control their home TV from anywhere.
CES 2010 felt rather samey with its '3D this, big-screen telly that' nonsense. But we were offered some respite from oversize pixels flying at us by the small, 2D Sling Monitor 150
The Archos 605 WiFi, 705 WiFi, and TV+ are getting some significant new feature upgrades via forthcoming firmware updates.
Follow Me TV, demonstrated at CES 2007, is now available to Verizon and Comcast users.
Move over Slingbox, here comes SageTV Placeshifter
The EchoStar subsidiary that makes the Slingbox alleges that its rivals unfairly copied aspects of its place-shifting devices.
While the experience isn't as polished as the Slingbox, the Vulkano Flow offers an impressive amount of streaming and recording features at an unbeatable price point.
Sling Media is working to address major outages and slowdowns to the Slingbox video streaming network.
CNET goes hands-on with the Simple.TV over-the-air DVR and its apps for the iPad and Roku 2 XS.


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Related content
The Toot Toot Toots @ The Hi-Fi
If Bruce McAvaney was a rock'n'roll commentator, he'd have spent early the evening before tonight's Toot Toot Toots album launch waxing lyrical about the spectacle that was about to unfold, for this was an event that was only ever going to be, in Bruce's time-honoured discourse, special.
Mother And Son are a great band, period. Brodie Jarman has the couture, coiffure and classic style of any rock'n'roll icon; on drums Matman thrashes a beat so violent it almost warranted attention from the resident security personnel. Theirs is music conceived in the bars of the '50s, matured on the garages of the early 60s and consummated in the garages of the late '60s. Everybody should see Mother And Son.
John Dickson's declaration that this would be one of Little John's last gigs from some time was the only damp note on an otherwise typically spiritually uplifting Little John set. If the average Sunday church service was this impressive, congregations would be spilling over with converts, believers and revivalists. At one point Dickson jumps into the crowd and manages, miraculously, to avoid injury. Another irrefutable sign of goodness.
There was a distinct sense Toot Toot Toots was looking to impress like never before tonight. With regular appearances from its go-go dancing troupe, the band had more fun than a beagle in a butcher's shop. The set drew heavily from the Toots' new record, Outlaws, including the rousing Gomorrah Fields and the sublime spaghetti garage Lily Of Sharon. Guiliano Ferla has the crazy eyes of a circus performer eager to drag anyone along for a wild ride; Danny Eucalyptus has a voice like shovelled gravel, yet can pull out a moment of elegant harmony that defies understanding. It's colour, movement, mania and rock'n'roll beauty; the crowd is dancing en masse, and everybody's got a shit-eating grin.
There's a few tracks from the Toots' debut release, Curse Of The Crow, before the band departs the stage for a well-earned break. The second encore brings with it a dedication to mixer and label boss Loki Lockwood: the featured track seems vaguely familiar, and possibly out of place. Before we know it, the distinctive string melody of ELO's It's A Living Thing fills the venue, and it's a moment to savour for time immemorial. Special, Bruce would say.
LOVED: The cover of ELO's It's A Living Thing. Who wouldn't?
HATED: Paying $9 for a stubbie of Fat Yak.
DRANK: Fat Yak, at $9 a pop.