text:
Watchdog warns over 'toxic' death bonds
FSA's criticism of life policy investments prompts investor panic.
Simon Read
Simon Read is Personal Finance Editor at The Independent. He edits the Saturday Your Money section as well as writing for the news and business pages of the Independent and i newspaper.
Saturday 03 December 2011
The City watchdog this week announced plans to ban so-called death bonds from being sold to British investors. The Financial Services Authority said on Monday that traded life policy investments – which encourage investors to gamble on when certain US citizens will die – were "high risk, toxic products".
The bonds take over life policies and continue to pay the policy premiums. When the original policyholders die, the bonds receive the payouts. But if the people on whose lives the policies are held live longer than expected, investors lose out.
"The failure of these in the pasthas led to significant consumer detriment, and new investors will suffer unless we take the necessary steps now," warned Margaret Cole,the FSA's managing director.
The warning prompted worried investors to clamour to get their money out of the EEA Life Settlements Fund, one of the biggest traded life policy funds in the UK. In fact the fund was forced to suspend dealings on Wednesday, saying: 'The current liquidity levels of the fund are insufficient to satisfy the redemption requests."
But Peter Winders, marketing director at EEA Fund Management, said: "Shareholders should be assured that the suspension of dealings will in no way affect the ability of the fund to pay premiums on insurance policies in the usual manner."
Ray Black, of the financial adviser Money-minder.com, said: 'The FSA's damning statement on TLPI's seems to have already had the effect they were after – to make it very difficult for UK investors to put their money in. And unfortunately, the manner of their demise will almost certainly prove to be costly to existing investors.
"Whether or not you agree that life settlements can be a suitable diversification for well-informed investors happy to accept the risk, it seems that the option is effectively being removed without the need for the actual ban to be implemented."
The FSA will consult next year about banning the sale of the bonds. "We are issuing a strong warning to the industry not to market these products to UK retail investors," said Ms Cole. "Ultimately we aim to ban TLPIs from being marketed to UK retail investors, and we intend to consult on this next year to help erase the risks they pose."
She said firms should not be selling the high-risk bonds to retail investors. Part of the problem is that many of the bonds are located offshore, giving UK investors no regulatory protection.
But Mr Black said a blanket ban is not the answer. "It is important that UK investors are protected from fraudulent or unsuitable products," he said. "However, it's a shame that this type of investment has been dismissed before it has really even had an opportunity to demonstrate how good it might have been."
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text:
Rays bullpen dealing without Percival
Tampa Bay (74-47) at Texas (61-62), Saturday, 8:05 p.m. ET
ARLINGTON -- Consistent with the whole season, the Rays will have to deal with a shuffled mix in the bullpen now that closer Troy Percival is on the 15-day disabled list with a cartilage injury to his right knee."Our wagons have been circled all year, with Percival or without Percival, especially being in first place," left-handed reliever Trever Miller said. "You've got everyone trying to knock us off our perch, knock us off the trail, if you will. So that's what we're going to do: bring in reinforcements and hope they get the job done." Right-hander Juan Salas was recalled from Triple-A Durham to replace Percival and help pick up the slack. "Salas is pitching well," said Andrew Friedman, Rays executive vice president of baseball operations. "His ball is really moving. We've used him in a role where he's gone more than an inning at times to give us some help up here just looking ahead. We thought that might be a role where we'd want to use him. Where he can get four or five or six outs, that's what he's been doing and he's been doing a very good job of that." Percival believes the bullpen will be fine. "I'm the easiest guy to replace at this point," said Percival, who pointed out that the only problem with him being out is that the Rays will have to use one of the players used to build the bridge to the closer's spot as the closer. "[So] you don't have them available to get you out of those tough spots. "To be able to go out there and close -- what's there going to be, three or four opportunities in those couple of weeks? That's what it's been for me all year. If they get all but one, great, we'll be fine." Rays manager Joe Maddon said he will not "ordain" a closer during Percival's absence and he will mix and match as necessary. But the general opinion is that Grant Balfour will get most of the opportunities. "He's got better stuff than I do," Percival said. "Just sometimes you have to let your ego go and pitch to the situation. And I'll be talking to him about it." Pitching matchup
TB: RHP Edwin Jackson (9-7, 4.07 ERA)
Jackson picked up his ninth win of the season on Sunday in Seattle when he held the Mariners to one run on seven hits in seven innings of work. The 24-year-old right-hander has shown marked improvement from the 2007 season when he had a 3-11 mark on the same date as Sunday's win. If Jackson is locating his 97-mph fastball, his other pitches can work well, particularly his slider. Jackson is 1-1 with a 3.74 ERA in three career starts against the Rangers. TEX: LHP Matt Harrison (4-2, 7.07 ERA)
How do you allow six runs and coast to victory? Get 12 runs of support. That's what happened to Harrison his last time out, when he allowed six runs on 10 hits and two walks in five innings against the Orioles. He also gave up two home runs, didn't record a single strikeout in the start, and saw his ERA rise from 6.46 to 7.07. Harrison will go for his third straight victory against the American League East on Friday, when the Rays come to Texas. It will be his first game against Tampa Bay. Tidbits
Thursday's win over the A's gave Maddon his 200th win as the Rays manager, which tied him with Lou Piniella for second place on the all-time list behind the team's inaugural manager, Larry Rothschild. ... Akinori Iwamura's first-inning single on Friday meant he has hit safely in 13 of his last 15 games. ... Beginning with Friday's game, 31 of the Rays' final 42 games are against teams with records of .500 or better. Tickets
Buy tickets now to catch the game in person. On the Internet
Gameday Audio
Official game notes On television
FSN On radio
WHNZ 1250, WGES 680 (Español) Up next
Sunday: Rays (Scott Kazmir, 8-6, 3.22) at Rangers (Vicente Padilla, 12-6, 4.85), 8:05 p.m. ET
Monday: Rays (Andy Sonnanstine, 12-6, 4.35) vs. Angels (Jon Garland, 11-7, 4.26), 7:10 p.m. ET
Tuesday: Rays (James Shields, 10-7, 3.75) vs. Angels (Ervin Santana, 13-5, 3.49), 7:10 p.m. ET
Bill Chastain is a reporter for MLB.com. This story was not subject to the approval of Major League Baseball or its clubs.

subset: commoncrawl


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Gold Prices Sink on Upbeat Jobs Report
NEW YORK (TheStreet) -- Gold prices were dropping Friday after a better-than-expected monthly employment report caused the yellow metal to sell off as speculation rose that the Federal Reserve would cut short its quantitative easing program on improving jobs numbers.
Gold for December delivery was shedding $11.50 to $1,785 an ounce at the Comex division of the New York Mercantile Exchange. The gold price traded as high as $1,798.10 and as low as $1,774.50 an ounce, while the spot price was dipping $6.90, according to Kitco's gold index.
"The markets trading a little bit lower because of the jobs number and clearly the Fed has tied the quantitative easing program to the jobs numbers; however, the existing commitment still remains in place until the overall jobs picture gets dramatically better than it is today," said Will Rhind, managing director of ETF Securities U.S.
Silver prices for December delivery were off 25 cents at $34.86 an ounce, while the U.S. dollar index was down 0.20% at $79.21.The Bureau of Labor Statistics reported Friday that the U.S. work force added 114,000 jobs in September -- slightly better than the 113,000 projection by economists -- while the unemployment rate fell to 7.8%, the lowest rate since January 2009. Gold prices sold off their highs shortly after the unemployment report was released. After previous monthly jobs reports, gold has responded heavily in one direction based on whether the U.S. jobs beat expectations (a negative for gold), or underperformed (a positive for gold). The Fed implemented its open-ended, mortgage-backed securities purchasing program, which has been an overall positive for gold as an inflation hedge. Though the yellow metal took a hit after the jobs number, many analysts believe gold prices will continue to move higher in the long term. Gold mining stocks were mixed Friday. Shares of AngloGold Ashanti (AU) were rising 2.8%, and shares of Agnico-Eagle Mines (AEM) were gaining 1.6%. Among other mining stocks, Kinross Gold (KGC) was down 0.65%, while Barrick Gold (ABX) was adding 0.24% Gold ETF SPDR Gold Trust (GLD) was falling 0.28% -- Written by Joe Deaux in New York. >Contact by Email. Follow @JoeDeaux
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December 21, 2007
What Do You Do In the Face of Inconsistency?
For the second time in less than a week, the Islanders scored two quick goals against the Penguins, who, unlike last Saturday, lost tonight 4-2 to Ted Nolan's men. The Pens might have still been reeling from their win in Boston last night after they blew a 4-0 lead, but hung on to win in a shootout.
Next to the Rangers, Pittsburgh is probably one of the biggest disappointments this season around the NHL. After their balleyhooed 105 point season a year ago, they have struggled right out of the gate and currently sit at the bottom of the Eastern Conference playoff zone. At first, the big problem was Marc-Andre Fleury's play. Then, it was their lack of scoring. Now, it seems to be their power-play. Last Saturday's game against New York saw the Pens with a 5-minute power-play at the end of the game thanks to Chris Simon's moment (yet again) of brilliance. Somehow, someway during that power-play, Mike Sillinger was found all alone in the neutral zone, broke in on a breakaway, yet missed the net entirely, helping to keep Pittsburgh's narrow lead en route to a 3-2 win.
Through the first two periods, the Islanders were on the penalty-kill five times and the Penguins only managed to score once, thanks to a mix-up between Rick DiPietro and his defenseman. With a dangerous power-play on paper, the Pens were the 12th ranks team with the extra man in the league coming into tonight and it's slipping. They have a hard time setting up in the defensive zone and tend to play "dump and chase", which tonight failed miserably. It's tough to play that way with a goaltender in DiPietro who handles the puck extremely well. At one point, they dumped the puck in on two consecutive rushes and both times the Isles goaltender had enough time to shoot the puck out of the zone successfully.
Watching this team over the past few weeks, there's no hustle or sense of urgency when they are losing or close to giving up a lead (see: last night). It's almost as if the entire team is banking on what they did a year ago, like the players are thinking, "Hey, we put up 105 points last year. We'll come around." Unfortunately, it's not the matter of flicking a switch and the points fall from the sky. Hopefully, that mindframe is not festering itself within the team and they realize they need to put the work in because the games are flying by and for every point dropped, that's another dagger to their playoff chances.
Posted by Sean Leahy at 12/21/2007 10:14:00 PM
Labels: Michel Therrien, Pittsburgh Penguins
1 comment:
- Teebz said...
They need a couple of things.
1) Sign Curtis Joseph based on his play at the Spengler Cup. With Fleury out, their playoffs chances are evaporating by sticking with the inconsistent and fairly brutal tandem of Sabourin and Conklin.
2) Darryl Sydor needs to be the Sydor from Dallas. He and Letang have to be the catalysts on that powerplay. Gonchar does well, but he can't play 47 minutes a night.
3) Find a role for Jordan Staal. He scored his third of the season the other night, a far cry from where he was a season ago. Yes, more people are watching him now, but he seems lost on the wing.
But that's just my opinion. :o)
- December 22, 2007 at 3:38 PM
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RHEA COUNTY, TN. (WRCB) -- A child is in critical condition, following a jet ski crash Friday.
The collision happened on Watts Bar Lake near Spring City, shortly after 3:00 p.m.
A TWRA spokesperson says a jet ski carrying a man and the child collided with another jet ski carrying two people.
The girl and the man were taken to Erlanger, where she is listed in critical condition and he is listed as stable.
The other two people involved were treated and released at the scene.
The spokesperson says alcohol is not a factor, but charges are pending the outcome of the investigation.
Stay with WRCBtv.com for updates as they become available.
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Home > Find a Cruise > South America > Radiant Rhythms > Excursions > Punta Del Este > Art & Culture of Punta Del Este
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Explore the cultural side of Punta del Este through a tour of its finest museums and most architecturally rich neighborhoods.
As you leave the pier, you will commence a drive through Punta del Este, a glamorous city on a scenic peninsula. Beautiful beaches are among its biggest attractions, and you will soon see two of the best in this so-called "St. Tropez of South America". Playa Mansa curves around the calmer bay side, and Playa Brava fronts the ocean. Still, there is much more to Punta del Este, especially for those seeking luxury, which is why wealthy South Americans find it so magnetic.
The city's inspirational culture shines in the Ralli Museum of Contemporary Art, which is located in a lovely Spanish-style building in the fashionable Beverly Hills neighborhood. Admire the collection of paintings and sculpture by some of Latin America's most talented artists, complemented by European works by Dali, Chagall and others. Following your time at the Ralli Museum, you will make a stop at Golero Avenue, the city's main thoroughfare and most exquisite shopping district. After approximately 90-minutes at leisure in this great shopping locale where you can browse for souvenirs and grab a quick lunch, you will continue on to Casapueblo.
Home of famed Uruguayan artist Carlos Paez Vilaro, Casapueblo is a sprawling white complex perched on a bluff above the ocean and houses many of the artist's most definitive works. During your guided visit of this charming site, you will not only enjoy some fabulous views, but also a flute of champagne.
At the conclusion of your visit, you will rejoin your coach and travel back to the pier.
Please Note: This tour includes approximately 2-hours of moderate walking/standing plus any additional walking at the guests' discretion during free time on Golero Avenue. The tour is available to wheelchair guests who have a collapsible wheelchair, are able to make their own way on and off the coach and have a companion to assist them. Those with mobility concerns are cautioned to evaluate their personal level of stamina and ability. Casual clothing; sunglasses and flat, comfortable walking shoes are suggested. The order of the sites viewed or visited may vary.
NOTICE: All Oceania Cruises shore excursion fares are listed per person, and are subject to change and availability. Some tours are capacity controlled and may be withdrawn at any time without prior notice. Tour departure times are subject to change so please reference your actual tour ticket for the correct departure time. Minor children under 18 years of age must be accompanied by a an adult parent or guardian on all shore excursions. While Oceania Cruises makes every effort to adhere to the specifics mentioned in each shore excursion description, circumstances may require otherwise. All shore excursion information contained on this website is subject to change without notice at Oceania Cruises' discretion. Oceania Cruises is not responsible or liable for typographical error, omissions or misprints.
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LOUISVILLE, KY. (WDRB) -- Trinity High School wideout James Quick made official what University of Louisville fans had been hoping for years -- that he would commit to the Cardinals.Quick did it in a maximum-exposure announcement at the start of the fourth quarter of the Army All-American Bowl.U of L coach Charlie Strong, who can't comment on Quick until his national letter of intent is signed next month, nonetheless issued a four-word Twitter message: "What a great week!"That it has been, for the Cardinals. Here are a few things the Quick commitment means for U of L:1). The Cards get deeper at wide receiver. Teddy Bridgewater, who cemented his Heisman candidacy by throwing all over the nation's No. 1-rated pass defense in the Cards' Sugar Bowl win over Florida, now will have DeVante Parker, Eli Rogers, Damian Copeland, Michalee Harris (injured in 2012 but the Cards' leading receiver in 2011) and a crop of talented younger players, the Cards could be set to shatter some passing records next season. In fact, WDRB's Rick Bozich asks if this gives U of L the nation's top receiving corps next season?2). They stay strong at home. Quick is Kentucky's Mr. Football, the winner of the Paul Hornung Award and was the state's Gatorade Player of the Year. Landing him is a big deal. Not landing him would've caused some grumbling around his hometown, despite how well things have been going. When Michael Bush and Brian Brohm passed over big out-of-state offers to stay home, it led to a BCS bowl berth for U of L. Quick's decision is similar -- and U of L hopes it will lead to similar bigger things.3). It's another victory over the Big Boys. A couple of days ago, Charlie Strong beat his old school in the Sugar Bowl. Today, Strong beat his old mentor, Urban Meyer, in a head-to-head recruiting matchup. Quick's only other serious finalist was Ohio State, though he could've gone just about anywhere, including Oregon. Quick has the kind of speed that could've landed him a track scholarship anywhere he wanted. He was the Kentucky state champ in the 200 meters and second in the 100. He's also a polished an intelligent receiver, with good hands and outstanding body control. After losing Trinity defensive end Jason Hatcher to USC (though rumors are that Hatcher is taking another look around at the moment), getting Quick keeps U of L in a position of supremacy for in-state recruits. That's not a requirement for success, but it doesn't hurt.4). More national buzz. Shortly after committing, Quick made the game-winning catch in the Army All-American Bowl, threw up an "L," then won the game's MVP award. Momentum is an important thing in sports. U of L gained it with its Sugar Bowl victory. It picked up more when 4-star defensive lineman De'Asian Richardson changed his commitment from West Virginia to U of L. (He'd chosen WVU over Oklahoma, and had offers from schools like Alabama, South Carolina and Florida State). Quick's commitment keeps it going.5). Recruiting rankings. U of L's class is smaller this season because of prior signings, but even so, Jody Demling of CardinalAuthority.com says that the class could sneak into the Top 25 of the Scout.com national rankings with the addition of Quick, a 5-star recruit by that service.6). Two words. Ticket sales. If U of L is smart (and generally when it comes to capitalizing on things like this, it has been), it's rolling out the season ticket order forms right now. The home slate next season likely won't sell a lot of tickets on its own, but the chance to watch what could be an historic season should be. If nothing else, Quick's commitment should make the Train a bit more crowded heading into next season.Copyright 2012 WDRB News. All Rights Reserved.
624 W. Muhammad Ali BlvdLouisville, KY 40203


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City Sushi 8 by Maura Toomey - 10 months ago
"This is a boys futsal team from Brookline,MA. They have been playing soccer/futsal together for 6 years and have developed a bond that makes them strong on and off the field/court. This is the second time using CustomInk. Every single thing about the experience was fantastic..customer service, website, prices , and final product . City Sushi ( and everyone who sees them)is so thrilled with their T-shirts. Thank you!"


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Ossenmarkt Groningen
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Panoramic photo by Frank van Tol Taken 13:23, 13/11/2011 - Views
Ossenmarkt Groningen
The World > Europe > Netherlands
The Ossenmarkt ("ox-market") just north of the historical center of the city of Groningen. This market was constructed begin 17th century as a cattle-market, but nowadays not in use anymore as such. Beneath this market a 15 meters deep car park is situated, constructed in the late nineties.
The "Nieuwe Kerk" in the city of Groningen, the Netherlands. This church was built in 1660 at a forme...
Ebbingebrug, Groningen
Turfsingel, Groningen
Boterdiep, Groningen
Steenmarkt, Groningen
Oude Boteringestraat, Groningen
The Harmonie Complex in the center of the city of Groningen, the Netherlands. It houses the Faculty o...
Universiteit Groningen, Broerstraat
The academy building of the University of Groningen located on the Broerstraat in Groningen's city ce...
An interactive view from under the archway to the Harmonie Complex of the University of Groningen, th...
Europe is generally agreed to be the birthplace of western culture, including such legendary innovations as the democratic nation-state, football and tomato sauce.
The word Europe comes from the Greek goddess Europa, who was kidnapped by Zeus and plunked down on the island of Crete. Europa gradually changed from referring to mainland Greece until it extended finally to include Norway and Russia.
Don't be confused that Europe is called a continent without looking like an island, the way the other continents do. It's okay. The Ural mountains have steadily been there to divide Europe from Asia for the last 250 million years. Russia technically inhabits "Eurasia".
Europe is presently uniting into one political and economic zone with a common currency called the Euro. The European Union originated in 1993 and is now composed of 27 member states. Its headquarters is in Brussels, Belgium.
Do not confuse the EU with the Council of Europe, which has 47 member states and dates to 1949. These two bodies share the same flag, national anthem, and mission of integrating Europe. The headquarters of the Council are located in Strasbourg, France, and it is most famous for its European Court of Human Rights.
In spite of these two bodies, there is still no single Constitution or set of laws applying to all the countries of Europe. Debate rages over the role of the EU in regards to national sovereignty. As of January 2009, the Lisbon Treaty is the closest thing to a European Constitution, yet it has not been approved by all the EU states.
Text by Steve Smith.


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With the Colorado St. Rams on-campus stadium project moving closer, more and more people associated with the school or football program are voicing their support for the new stadium. The most notable figure to talk up the potential of the proposed on-campus stadium is former legendary Rams head coach, Sonny Lubick.
Lubick won six conference championships and played in nine bowl games in his 15 seasons said, "it's a nice step in the right direction." He also mentioned that he hopes that boosters will step up with donations to get the stadium built.
Former Colorado State quarter Bill Farris loves the idea of the on-campus stadium:
"A stadium on campus is absolutely going to raise the level of football at CSU and the level of excitement around it and the enthusiasm throughout the week," said Farris, the quarterback who led CSU to its last winning season in 2008. "Students are going to see that stadium every day, and that's a big part of it."
The other normal stuff about a new stadium is being said like it will help recruiting, unite the fan base and ultimately lead to more winning. Having a lot of former athletes, coaches and alumni come out in support is never a bad thing as it shows that there are many people on board with the stadium. The hope is that with these endorsements from notable Rams will lead to more donations.
Head coach Jim McElwain believes that the sky is the limit for Colorado State football:
"I think the momentum for the program is exponential," McElwain said. "I'm not sure you can put a degree on it. ... It's not just about the next two or three years, this is something that people are going to put their arms around 50 years from now. When you guys are sitting in here 50 years from now listening to that next coach, he's going to thank them for what they did for this university."
The ultimate decision will come at the end of the week when the Board of Governors meet to discuss the proposed stadium.


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Former Marist High School baseball star Kyle Farmer fulfilled a lifelong dream when he signed a contract with the Los Angeles Dodgers on Monday. The Marietta native was selected in the 6th round of the Major League Baseball Draft. Farmer has spent his career playing shortstop, but the Dodgers drafted him as catcher after he worked out for the team. Farmer is friends with Alex Wood, who has already made his big league debut with the Braves. Wood was one of the first ones to call and congratulate farmer after he was drafted.
35 Skyline DriveLake Mary, FL 32746
Phone: (407) 644-3535News Tips: (866) 55-FOX35


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Thunderstorms and Rain
5 of 5
But Who Dats like Anderson say the NFL commissioner won't receive a warm welcome from them.
"He would be booed so bad that I would be embarrassed for him," said Anderson. "He's forever going to be the face behind the season that could have been, should have been, and wasn't."
A spokesman wouldn't say if the NFL will ramp up security for Goodell in New Orleans, saying the NFL doesn't discuss security arrangements for any employees.
"Everyone here at the league office, including the commissioner, is excited about returning to New Orleans for the Super Bowl. We have been planning for years for this Super Bowl and are excited to help show the world that New Orleans is back, bigger and better than ever," said NFL spokesman Brian McCarthy in a statement.
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soft and warm to wear and made in beautiful colours
One of your reviewers suggested you sell darning mushrooms.....why not make them in cedar wood to keep the moth away! I would buy one and have a go! These socks are super comfortable, and I machine wash mine on a cool woollens wash, so they are not hard work, but they do wear very quickly so they are a real indulgence.
Love these when there is a nip in the air. Very comfortable and warm about the house. Nothing like them. Have had a variety of colors. Bought some bright peacock ones for my son's girlfriend in cold Colorado and she tells me she loves them too.
These are excellent - a brilliant colour, thick, soft and hard-wearing. Even better, they were in the sale! I look forward to buying more pairs, since I'm now completely hooked. Highly recommended..
A little pricey but very luxurious. Fits well & the quality is very good.
My wife loves Brora socks and had asked for some from the children for Christmas. Children being children and especially teenagers being teenagers, socks was translated into gloves in their minds.
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Apparently they're so comfortable to wear and my wife now wants a new pair of cashmere socks every day - so that's the only downside to this tale. Thanks Brora for saving us all from being on the wrong side of a hissy fit on Christmas day!
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Introducing the new Lil' Wiz mini speaker!Lil' Wiz is the perfect companion to enhance and share your music collection. Play songs stored in your personal portable device such as Smartphone, iPhone, MP3, iPod, iPad, Tablet, or Laptop. You can either stream music via Bluetooth Wireless connection, or store your music collection on a memory card and use the Lil' Wiz as your MP3 player.
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Restaurant Reservations - Free • Instant • Confirmed
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Private Dining
Wit & Wisdom
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Reviews ›
200 International Drive
Baltimore, MD 21202
Harbor East
Getting there ›
Contemporary American
$31 to $50
More Details ›
Wit & Wisdom Details
Dining Style:
Casual Elegant
(410) 223-1456
Hours of Operation:
Breakfast: 7:00am - 10:30am (Mon-Fri), 7:00am - 1:00pm (Sat-Sun)
Lunch: 11:30am - 2:30pm (Mon-Fri)
Brunch Buffet: 9:00am - 1:00pm (Sat-Sun)
Dinner: 5:30pm - 10:00pm (Sun-Thurs), 5:30pm-10:30pm (Fri-Sat)
Bar open daily from 11:30am-12:00 midnight
Payment Options:
AMEX, Discover, MasterCard, Visa
Contemporary American, Comfort Food, American
Executive Chef:
Clayton Miller
Dress Code:
Smart Casual
Accepts Walk-Ins:
Additional Details:
Banquet/Private Rooms, Bar Dining, Bar/Lounge, Beer, Counter Seating, Farm to Table, Fireplace, Full Bar, Happy Hour, Non-Smoking Area, Non-Smoking Restaurant, Patio/Outdoor Dining, Private Room, Smoking Area, View, Weekend Brunch, Wheelchair Access, Wine, Wine Bar
Please contact the restaurant's Events & Sales Manager, Shannon Toback, for any catering assistance. Shannon can be reached by email at firstname.lastname@example.com or by phone at 410.223.1464.
Special Events & Promotions:
1/2 Price Wine Night: Every Sunday in the dining room from 5:30 PM - 10 PM all full bottle purchases are half price! Explore our list of American wines with European accents.
Getting there
Cross Street:
President Street
Public Transit:
The Charm City Circulator has a stop directly outside of the Four Seasons Hotel Baltimore. The bus is complimentary and has stops throughout the Inner Harbor and beyond.
Parking Details:
Validated valet parking is available through the hotel, self parking is also available in the parking garage below the hotel. There is also limited open air parking around the entire Harbor East and Little Italy neighborhoods.
A word from Wit & Wisdom
Wit & Wisdom, by Michael Mina offers a modern American tavern menu of comfort food classics with Eastern seaboard influences. In addition to a spectacular view of the waterfront, guests at Wit & Wisdom will dine in full view of the kitchen's live-fire grill and rotisserie while enjoying classic
handcrafted cocktails.
Foodspotting photos
See all photos >
Awards voted by OpenTable diners
Diners' Choice Winner
Scenic View
Wit & Wisdom -
Best Restaurants in Harbor East
Diner Reviews
Spectacular restaurant and service
was very attentive. Food was mixed. The bread was irresistible. Appetizer of tuna tatar also very nicely prepared and presented. My friend's lunch entree was disappointing. Turkey burger just so-so and the accompanying salad was limp and wilted. My brisket on a fried green tomato was pretty good - but I asked for very little BBQ sauce and they seemed to use the usual amount of sauce (which was too much for me). We asked them to split the glasses wine, which they did. That was a nice touch, but we wonder why they had to get "management approval" to do so"
Dined on 8/21/2014
The crab stew and the crab cake
sandwich: I'm a native Marylander and both were the best versions I'd ever had anywhere--including the Eastern Shore. Both were made with fresh Maryland crab meat. The service was warm and gracious, as well. A fantastic experience."
Dined on 8/19/2014
In the past we have looked forward
to our dinners at Wit & Wisdom. This past Sunday was a complete miss. Our meal across the board was inferior to past experiences. I might chalk it up to a quiet Sunday evening but at these prices no excuse not to have a performing kitchen. Soup terrible...tuna tartar was a soy bomb...chicken dry....lobster pot pie tasteless...rockfish less than fresh. Worked out to a hundred per diner with wine at half price. Still a special dining room with mediocre food. Will wait for a reenergized kitchen to reserve again."
Dined on 8/17/2014
It was the perfect lunch choice
for my dining partner. An enjoyable surprise since she expected a sandwich joint. Though we ate inside, it was a beauty of a day and fun to watch all the outside action."
Dined on 8/15/2014
We have been to this Michael Mina
hotspot many times and found the food and service first rate. Not this time. The food was borderline terrible and the service was as if it were short-staffed, lackadaisical, or simply non-caring. The crab dinner was neither tasty nor eye-catching. The swordfish was dry and tasteless. The steak was good and properly prepared, but nothing else was even satisfactory. A straight-up martini came as if it were just poured from the bottle into the glass: warm and disgusting. Mina ought to get a hand on what's happening at what was once a very fine dining experience."
Dined on 8/13/2014
I decided to give Wit and Wisdom
another chance. The food was good but it is WAY over priced. We arrived 15 minutes for our 6pm reservation and the snooty girl at the desk told us they don't start serving until 6pm. We tried to get a drink at the bar but couldn't get a bartender to pay attention to us. So we went to sit outside and wait. We say at an empty table to maybe get some bar service but were told we couldn't sit there. My question was: if they don't start serving good until 6pm, why couldn't we sit there and wait?? There are other great dining options in Baltimore. Save your wallet a world of hurt and go somewhere else."
Dined on 8/13/2014
Great Food and wine list. Awesome
location overlooking the inner harbor. Staff was great"
Dined on 8/12/2014
We went to Wit & Wisdom for a
special occasion and it was definitely a special treat. The cold seafood tray appetizer was a little too large for 2 of us to share, but it was really fresh and delicious. Our entrees from their wood burning stove (scallops and pork duo) were both amazing...they definitely take the extra time and thought into making even the most simple entrees (like scallops) special. I would highly recommend this restaurant. It has amazing views of the harbor as a special treat, but the restaurant would be just as wonderful without them."
Dined on 8/10/2014
Made a reservation for Sunday
brunch to celebrate a birthday, along with a friend visiting from D.C. We were seated outside and had an awesome view of the harbor. The brunch selection was excellent — omelets, baked mac & cheese, oysters and more. Our server was very friendly and attentive. Only thing was, when I made the reservation, the weekend brunch buffet was definitely listed at $32 a person on their website and from what I can recall, there was also an option to dine a la carte. Upon arrival, we were informed that they would ONLY be serving brunch and the price was now $49 per person. We were fine paying the $49 each, but it was a little embarrassing considering I had just invited my friend last minute, who now had to pay extra."
Dined on 8/10/2014
I was so happy to see that Wit &
Wisdom has now added an omelette and carving station to their Sunday buffet. I'm not a huge buffet fan though so it would be nice if they would allow you to order from the a la carte menu the whole brunch time."
Dined on 8/10/2014
Did get served a food that I
mentioned that I was allergic to and had an allergic reaction. Management apologized profusely, which was nice, but did not comp any dish. Hopefully they'll take more care next time as for some people this could be life-threatening."
Dined on 8/9/2014
After an amazing afternoon at the
spa for my husband's birthday, we went to W&W mainly out of convenience (being in the same hotel) and I mistakenly thought the Four Seasons would have a good restaurant. Of the entire meal, 1 glass of wine was enjoyable. The appetizer, entrees, and other drinks were all VERY disappointing. The food wasn't cooked properly, flavorless, and presented rather plainly. I expect A LOT more out of a Four Seasons, I can't believe this place has stayed in business, must be tasteless tourists."
Dined on 8/9/2014
Food was bad and service was even
worse! Don't ware your time. If you want fine dining in Baltimore go to Ruth's Chris or Tio Pepe's."
Dined on 8/9/2014
I hadn't been to the area in a
while and plan to go to a neighborhood restaurant that I knew but was pleasantly surprised by this new dinner spot. Our server was wonderful I loved the wine selections as well as the ability to sit outside and enjoy the inner Harbor view. While it was on the pricier side for the menu options everything we ate was delicious."
Dined on 8/6/2014
Although I don't want summer to
end, I found a beautiful fall cocktail at Wit & Wisdom that is absolutely amazing. If you're anywhere near the bar at Wit & Wisdom you have to try their Farragut. It's an awesome mix of bourbon and walnut liquor. I paired a few of those cocktails with their Bourbon Steak Burger and was very impressed. The burger is light yet delicious and filling. I will definitely return for another round!"
Dined on 8/5/2014
The food was amazing... And really
reasonably-priced during happy hour. Danny the bartender was fantastic! He had great recommendations and was super friendly! Outdoor seating has a beautiful view of sunset."
Dined on 8/5/2014
It was pretty much as expected:
excellent service and excellent food. We ordered their bone marrow with mushroom jam appetizer which was good, but could have used a little salt. Our entrees were the Maryland Rockfish and Atlantic Tilefish, both of which were cooked to perfection. We chose the three side option, and got the black truffle mac and cheese, roasted corn and roasted herb seasoned wild mushrooms. Fish wasn't the best choice with such strong, savory sides. Take the time to consider your À la carte pairing. The seating area is very open and right next to the bar area. In addition the seating is pretty tight. Not very romantic. If another couple is seated to dine next to you, be prepared to strike up a conversation."
Dined on 8/5/2014
Brought a dear friend here to
celebrate her birthday. The host was gracious, but it took a few minutes for our table. We were seated in a 2 top that was partially at the window, but one of us was stuck up against a wall. The spot was extremely cold for my guest and when she mentioned her discomfort they offered her a blanket. Not very elegant at a Four Seasons property. We finally requested to move, and were led to a warmer spot, but the table had not yet been wiped down. The food was wonderful (Ahi Tuna and Heirloom Tomato/buratta salad/scallops and Lobster Pot Pie). Our sommelier was very nice and energetic, however, she was not dressed very professionally. Mostly, lovely evening, but not quite up to par for Four Seasons/Mina."
Dined on 8/2/2014
I made reservations to surprise my
wife for our 16th anniversary. Upon arriving at our table there was a personalized card from the staff wishing us a Happy Anniversary. From there on the service and food were excellent. I would, and will, recommend Wit and Wisdom to anyone who will listen."
Dined on 8/1/2014
The atmosphere is lively, fun and
perfect on a summer evening overlooking the harbor. My bourbon-drinking husband was quite happy with the selection of cocktails, but I was disappointed with the vodka drinks. (The house-made olives do not cut it for we dirty-martini lovers). Of the 7-8 appetizer/dinner items that our party ordered, 2 were fabulous, 2 were very good, and the rest were just adequate (lacking in flavor and/or not worth the $40 price tag). I would wholeheartedly recommend this place for a date-night / tapas-sharing kind of adventure. Get the wings--they are stellar. However, for the Four Seasons, I was disappointed with some of the bland and/or not-terribly-exciting flavors of some of the other items given the price."
Dined on 8/1/2014
I had the Taste of Maryland menu
and it was fantastic. The food would have rated 5 stars, but the pork tenderloin was over cooked. (Overall food was a 4.7/5) The service was flawless and courteous. I went on a Friday night at 6:30, the noise level at the bar was substantial yet the dividers between the sections neutralized the majority of it. I had a great night and I would gladly comeback. The level of service, deliciousness of the food and the view make it great for a date or any special occasion."
Dined on 7/31/2014
Don't miss this farm to table
fresh dining experience in an eclectic industrial rustic setting with the best view of the harbor. Just a tad bit noisy from the bar crowd, but definitely a go to place."
Dined on 7/31/2014
Except for the crab cakes n good
Russian mule cocktails, the food is average. Of all the four seasons restaurant, this one is a total disappointment."
Dined on 7/30/2014
My girl and I are just not 'upper
crust' enough to really enjoy this place. The menu was very small. The food was delicious, but expensive and sparse. We got to sit outside with a panoramic view of Inner Harbor East that was gorgeous and it happened to be the perfect evening to be dining al fresco. The vibe was a bit too upscale and pretentious for our liking, and we would likely have been just as happy, if not more so, dining outside at one of the other, more pedestrian restaurants. To be clear, this place conflicted with my personality more than anything else. We had a great time people watching, soaking in the view and really enjoyed the food. Despite all of that, we are not likely to return here on our next trip to Baltimore."
Dined on 7/26/2014
Convenient for guests at Baltimore
Four Seasons, Wit & Wisdom had a vibrant bar scene on Saturday night. Despite the music and noise of happy 20 somethings, it offered quiet dinning with a spectacular harbor view. Food was good and the menu offered local and seasonal delights. Sides are extra so count on a hefty bill for dinner - 2 adults, wine, appetizers, mains at $250. Only the service is really lacking and by no means stands up to the decent menu, good food, and pleasant decor. While there is a sommelier, surely her job should not be running to fetch missing cutlery from our table and ensuring forgotten items were brought out.Enjoy this restaurant if you are close by but not one necessarily to plan for as a destination."
Dined on 7/26/2014
Excellent service, beautiful
restaurant, nice location. Food/drinks little expensive. Would return for happy hour or drinks on the patio, not dinner."
Dined on 7/24/2014
Went last week for our
anniversary. When making the rez, I told them it was our anniversary. The hostess said, "Happy Anniversary" when bringing us to our table and there was a card there signed by all the staff. The waiter came over to walk us through the menu and also said, "Happy Anniversary." The bartender gave us free champagne and told us which wines would go good with our food. It was a great experience. The staff was great and the food was really great. The only small critiques I had were 1) they were playing classic rock at a slightly noticable volume. It was slightly distracting to have a romantic dinner when you have 'Jukebox Hero' playing in the background; and 2) because it was outside, we had ants on our table."
Dined on 7/24/2014
Been here for dinner many
times...always very good. Just recently ate here for brunch, one word, EXCELLENT!"
Dined on 7/20/2014
I went there for the first time
with a girlfriend a few months back. We had such a nice time. Food was outstanding and after brunch we sat in the bar area and just relaxed with the others as people checked in and out. The design of the hotel is so sleek and modern down to the unique floral display in the lobby. This time I took my husband for brunch and two months later, the valet staff made such a fuss over me. At first I thought they confused me for some local celebrity...but no. They remembered me and were so kind. Ive never had that happen and I have stayed at my share of 5 star hotels in my life. My husband was like, oh my god.....look how they are treating you!! We received the same service at brunch. A class act!"
Dined on 7/20/2014
Only complaint was service was way
too fast. Felt rushed."
Dined on 7/18/2014
We were pretty disappointed. The
swordfish was undercooked, the salads were a little wilted and tasteless. They just weren't worth it. Some of the food was okay, but all in all, we ended up spending something close to $200, which is completely insane for what we paid. This place is way overhyped, and probably just does okay based on its good looking decor and location."
Dined on 7/17/2014
We tried something new for my
wife's birthday. I was hoping for it to be a success since the gamble was for her birthday (and not for mine). My wife was greatly pleased with her dining experience at Wit & Wisdom. The only disappointment was waiting for our bread, lol. When we arrived at our table there was a card waiting for my wife signed by all the staff! That was a pleasant touch and we had the best seat in the house. We had the Bison, and Red Snapper as our entree's and grilled corn and black truffle mac & cheese as our sides. Everything was delicious. My wife never eats all of her steak but this time she took nothing home. Shane and Adrian treated us great. The scenery, the food, the desserts were all great! Get "The Baltimore Bar"!"
Dined on 7/16/2014
I have eaten at Wit and Wisdom for
dinner and loved it, this was my first time having lunch. I had the prime skirt steak salad and was blown away by the amount of flavor. The skirt steak was perfectly medium rare and the salad it's self was fresh and zesty. I loved the balance of the pickled rhubarb with the meat."
Dined on 7/14/2014
We made a last minute reservation
for four on a Saturday night. The food was delicious. I would say the fish was better than the steaks, most likely because the steaks were extremely expensive and just not worth it. If we want a steak, we'll keep in mind the steakhouses. But the lobster corn dog app was super good and wouldn't have been my first choice, but I'd get it again. The cold lobster app which was my choice, left alot to be desired. The snapper was out of this world as was the pork. And the desserts which certainly weren't needed, were amazing. The Balitimore bar is to die for!"
Dined on 7/12/2014
My wife enjoyed the food and
atmosphere for her 61st birthday. Only comment is the rock & roll music was a little too loud in the dining area and did not fit with the fined dining atmosphere in the dining area. Service was great."
Dined on 7/6/2014
The menu was not appealing and the
server was horrible. The view is great but thats the best thing about the restaraunt. The hostess was very nice and friendly, if the servers would have been half as nice and attentive as the hostess then my experience would gave been better. The food was nothing to rave over and the drinks all had a weird after taste."
Dined on 7/5/2014
Food was very good and the wine
list was exceptional, one of the best Rieslings we have every had. We were able to sit outside. The view of the harbor was also great. The hostess was also very friendly and we were seated right away. On the negative side, our waitress was a bit too distant for this type of restaurant. The food is little bit pricey also. Overall it was a still a nice experience."
Dined on 7/5/2014
$20 for a chard. Hmmm. What
sends this review down the toilet was dinner. In a Four Seasons/Michael Mina, you expect the epitome of service. Place was very lightly seated (day before the 4th). Ordered a signature dish (crab three ways) and waited. 30 mins before bread brought (and two server reminders). Then waited, and waited and waited. A total of 90 mins for the entrée! OMG! And the manager apologized and then comp'd us a % on the entrée (full price for wine/sides). Here is the kicker. When the food arrived it was cold. Room temp cold. Softshell was salty. Awful. Crab soup very good. Crab cake so so. COLD! There are numerous ways to save an experience like this. Not one tried. Don't waste your time OR money."
Dined on 7/3/2014
Reservations for my son's birthday
they had a birthday card for him and everyone wished him a happy birthday. It was nice without being over the top and embarrassing. Choice of food is very good from simple to complex tastes and textures. We enjoyed the Tuna Tartare, Beef bone marrow and heirloom salad appetizers. Bread was wonderful very textured and slightly grilled. We enjoyed the Lobster Pot Pie (be aware market price was $51), a bison burger accompanied with fois gras slider, the Pork Duo and Swordfish. Desserts are very unusual. White chocolate with black olives!, was actually tasty. The Baltimore Bar was most traditional but actually a little bland, too chocolaty. Would go back again to sit outside especially."
Dined on 7/3/2014
I took my husband to Wit and
Wisdom for his birthday this past Sunday evening. The location is beautiful, parking was a snap, and we were greeted and promptly shown to our comfortable table. We enjoyed a cocktail before a bottle of wine (1/2 off on Sundays!!) and were very excited about the menu. The food was all good, for starters we had the tomato salad, and the peanut soup, entrees my husband had the lobster pot pie, I had the ribeye, and we shared the truffle mac n' cheese and mushrooms. We both agreed that each of the courses was good, but they ALL needed more seasoning: specifically salt. The deserts were perfect, and the savory portion of our meal would have gone from good to great if the seasonings had been adjusted."
Dined on 6/29/2014
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Expired Property Listing
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Pacific Sunset''s 1 BR Bayfront Penthouse in Mission Beach
- bedrooms 1
- baths 1
- sleeps 2
- pool no
- hot tub no
- pets allowed no
- type House
- community
rates (USD)
/ night
$ 875 - $ 1,075 / week
$ 2,600 - $ 3,600 / month
vacation rental description
Please see Disclaimer re: Craigslist below.
JUST Opened up for Thanksgiving 2011!! The Bayside Bungalow is our one bedroom, one bathroom newer upstairs villa located at 2892 Bayside Walk, near San Gabriel Court, in the heart of Mission Beach. The Bungalow can sleep two adults comfortably with a King Size bed in the water view Master bedroom. Junior size futon for children.
Open loft kitchen fully equipped with full size appliances, cooking and serving kitchenware for 6. Custom European cabinets with a built-in desk, dishwasher, microwave, trash compactor, and direct access to private bay front deck. Professionally decorated in a bright, fun, Mexican motif.
Living Room includes cable HD TV and DVD player, WIFI, cathedral ceilings, Berber carpet, fireplace, light in blinds, and plenty of seating. Linens and towels included. Interior washer and dryer and built-in vacuum system.
Patio furniture and a gas barbecue are on the large bayview deck, convenient garage parking!
The Pacific Sunset Group does NOT advertise on Criagslist! If you have found any booking/pricing information on Craigslist, it is outright fraud and being pursued by the DA.
house rental amenities
View, View, View of the beach, water and city lights
All rooms are designed to see the view
Large private bay view deck
King Size bed with luxurious bedding
Fully equiped kitchen - w/gas range
Ttrash compactor
cable TV, DVD, WIFI
gas Barbecue
Garage parking
activities and attractions in Mission Beach San Diego Area
Swimming, jet skiing, boating, walking, surfing, eating, shopping, kayaking
vacation rental rates
Summer Rates (7 night minimum)
June/July/August: $1025 - $1075 per week / $3600 Month
Spring and Fall Rates (7 night minimum)
$980 per week / $2940 Month
Winter Rates (7 night minimum) November thru February
$945 per week / $2700 Month


text:
First official photograph of Prince George with his parents
This is the first official family picture of Prince George with his parents and family dog Lupo. It was taken by Kate Middleston's father, Michael Middleton at his home in Bucklebury in Berkshire, earlier this month.
Michael Middleton follows a long line of photographers to have captured important images of members of the royal family.


text:
As a concept, there's a lot to like about the cloud. Drop those bulky servers and get yourself a big, white hard drive in the sky. Someone else handles the upkeep and lets you put your data where you want it. Even the word "cloud" itself brings to mind a heavenly (if slightly fluffy) fantasy.
The reality is, of course, a mixed bag. What you gain in avoiding upkeep, you lose in control. And the security concerns are considerable. But nowhere is the nightmare as vivid as it is when your cloud service goes down.
[ Get the no-nonsense explanations and advice you need to take real advantage of cloud computing in InfoWorld editors' 21-page Cloud Computing Deep Dive PDF special report. | Stay up on the cloud with InfoWorld's Cloud Computing Report newsletter. ]
Just ask any of the businesses affected by Amazon Web Services' high-profile outage in April.
"We were pretty blown away," says Nick Francis, whose startup, Help Scout, had launched just one week prior to Amazon's problem. "We definitely weren't prepared."
Francis wasn't the only one caught off-guard. Big-name properties like Reddit and Foursquare fell flat when Amazon's cloud sputtered.
"The cloud has been sold as this magical thing that just works and is totally reliable," says Lew Moorman, chief strategy officer of Rackspace, a cloud provider that's seen its fair share of outages. "The truth is that buying through the cloud is another way of buying computing, and computing is inherently flawed. If you want to make sure those flaws don't hurt you, you have to plan ahead."
To help keep your business pain-free in the cloud, we offer these hard-earned lessons at the hands of 10 of the worst cloud storms the Web has weathered.
Colossal cloud outage No. 1: Amazon Web Services goes poof
Freeing yourself from network maintenance gruntwork is a chief selling point for doing business in the cloud. The downside? Standing by helplessly when your cloud vendor's routine configuration change grinds your business to a halt.
That is what many AWS customers experienced this past April, when Amazon's Northern Virginia data center suffered a glitch and -- to use the technical term -- went totally nutso.
The error started during a network upgrade, when a misrouted traffic shift sent a cluster of Amazon EBS (Elastic Block Store) volumes into a remirroring storm, as they sought out available boxes into which they could insert backups of themselves -- perverse, I know. That set off a series of events that ultimately took down much of the company's U.S. East Region.
That's the short version, anyway -- if you're interested in the full nitty-gritty, clear out 47 hours in your schedule and read Amazon's novel-length explanation.
The problems persisted for about four days. But while many businesses struggled, others such as Netflix took the storm in stride. The key to survival? Designing your systems with these types of failures in mind.