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By Jerry Cadagan
OPINION Lake Merced is a San Francisco jewel that for years has suffered from the benign neglect of the city. Here are some facts:
The San Francisco Public Utilities Commission is the owner of the lake and surrounding land. In 1950, the SFPUC made a major mistake in delegating to the Recreation and Park Department vague authority for recreation at the lake. Under the City Charter, Lake Merced is not a park that would ordinarily be handled by RPD.
Starting in the 1980s, the lake's water levels dropped precipitously, for a variety of reasons. Neither agency took serious action to determine why, or to reverse the situation. That was a clue that having two quarterbacks running the Lake Merced operation was a bad idea. But starting in late 1993, many community activists started grappling with the water level issue, and it's now under control.
As water levels recovered, SFPUC staffers wasted no time acting like they were fully in charge by initiating a planning process that, after four years of consultants feeding at the trough, resulted in a 187-page Lake Merced Watershed Report, released in 2010. The SFPUC paid the consultants a humongous $588,434. You can judge whether SFPUC's ratepayers got their money's worth by reading the document at sfwater.org/index.aspx?page=197
In January 2007, the Board of Supervisors requested that SFPUC and RPD revise the 1950 delegation of recreation management to RPD. The board's resolution recites that SFPUC "has made a commitment to manage and maintain all the watershed lands ... and to obtain and allocate the resources necessary" to do so. The Watershed Report (p. 10) confirmed that the "intent is to transfer primary responsibility for management of the lands surrounding the lake back to the SFPUC." Those who were involved in the discussions in late 2006 know full well that the reason it is desirable for SFPUC to be fully in charge was so that there would be a single point of accountability.
The board's January 2007 resolution asked the two agencies to report back in 90 days. They never did. Rather, some 1,180 days after the resolution, the agencies released a draft memorandum of understanding purporting to respond to the board's request. Amazingly, the draft MOU left virtually all management responsibilities in the same muddled condition that has existed since 1950. The agencies held a public meeting to explain the draft MOU on July 19. The 40 attendees were generally unhappy with the lack of real change in management being proposed.
In an inexplicable move, in late July the SFPUC released a document describing intended renovations to the dilapidated boathouse building at the lake. The total cost of the proposed renovations is $940,000. But the document itself, and recent conversation with SFPUC staff, makes it clear that to make the building meet all building codes and disability access requirements would cost $1.9 million. Why is the SFPUC now planning to spend $940,000 when its own watershed report says, on page 24, "it may be better to completely rebuild and expand the facility rather than renovate?"
The ongoing litany of mismanagement and fiscal imprudence is unacceptable. Coherent, accountable management is needed at Lake Merced. Call Mayor Ed Lee (554-6141), Supervisor Sean Elsbernd (554-6516) and SFPUC General Manager Ed Harrington (554-3155) and demand it.
Jerry Cadagan was a co-founder of the Committee to Save Lake Merced in 1993 and has worked continuously on issues involving Lake Merced since that time.
As the author of this piece, let me make one very small addition, as proof that just a couple of words really count. Towards the bottom of the article it is said that to bring the building into full compliance with code, ADA requirements, etc. would require $1.9 million. I should have said ANOTHER $1.9 million on top of the $940,000 they propose spending for no apparent reason.
There is no clear plan for what the building would be used for after both the $940,000 and the $1.9 million of rate payer money is spent on it.
But San Francisco rate payers are probably used to agencies like SFPUC and Rec & Park squandering their money.
As a former chairman of the Lake Merced Task Force the group which spearheaded what is now call the Lake Merced Watershed Report, I continue to be amazed how an organization with so much money and resources can not solve the basic problems plaguing our beloved lake.
This should be "the Peoples Lake", a place where our youth can fish and explore the little bit of nature left in the city.
Even if the SFPUC spends 1.9 Million on the now condemned Boat House it would still not be useable by the public and we will still not have a fishing program at the lake.
I suspect the $940,000 facelift is primarily to reduce embarrassment during the upcoming Golf events coming to the Olympic Club.
I think we can find a better way to spend $940,000 at Lake Merced! Don't you?
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New, edge-only catalysts may open new doors for fuel cells
In California, researchers at the University of California-Berkeley have designed a catalyst composed only of edges, that can catalyze the production of hydrogen from water as readily as the edges and defects in regular catalysts. In an article appearing in this week's edition of Science, the team has created materials with billions of active sites on a ridged wafer much like a Ruffles potato chip could allow cheaper, commercially viable fuel cell catalysts.
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Kelly Rowland Gushes Over Blue Ivy Carter: 'She's So Stunning'
Kelly Rowland couldn't be happier for Beyoncé. E! caught up with the "Motivation" singer at the Hpnotiq Harmonie and Live Louder kickoff party last night in Hollywood. A beaming Kelly was overcome with joy when speaking about her BFF's three-week-old daughter, Blue Ivy Carter.
"She is just more precious than a diamond. She's just so stunning," gushed Kelly. "I'm so happy for my sister and her husband. She's beautiful."
The new parents are in heaven. "She's an incredible mother. I'm so incredibly proud of her, so proud of her," added Kelly. "She's in mommyville and I'm so happy for her and her husband's in daddyville, and the baby is very beautiful."
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This was our 7th cruise on Carnival, our third trip to Alaska and our first trip to Alaska with Carnival.
Embarkation - We arrived at the terminal around 1:30. The whole embarkation process ran very smoothly. Yes, there were lines, but everything moved with a nice efficiency. It took us about 45 minutes total to get on board, which isn't bad since it seemed like there was a large volume of people all trying to get on at the same time.
The ship was in great shape! We though it was laid out in a way that was easy to navigate. It never felt like we had to walk a million miles to get anywhere but I never felt like there was no where to go either. Just right. The layout was different than most of the other Carnival cruises we had taken. The Atrium and main areas (Casino, clubs, library, etc) were on decks 2 and 3 rather than 4 and 5. I liked it that way. Deck 2 was the Promenade deck where you could walk outside and it was covered. It's also the muster station area for the whole ship so there were no chairs to sit on out here, which was a bit of a disappointment as that is a favorite spot to hang out for us.
We had inside cabins on deck 7. My husband and I had one room and our daughters (ages 11 and 14) had a room right next door. Loved that the cabins were turned "sideways". Usually they are long and narrow. When you walked in there were the closets on the left and then that gave way to a long vanity with two sets of drawers and the fridge. The room opened up to the right of the entry way and the bed was on the right wall with night stands on each side and the door to the bathroom was not in the entry hall, but rather across from the bed. Made the room feel very spacious. With only one row of interior cabins on this deck there was no external noise other than people in the hallway. It was awesome. We found it easy to get to the mid-ship and front elevators from our rooms, which made navigating the ship fairly easy.
We had Any Time dining. Most nights when we ate in the dining room, the 4 of us ate together. We did share a table by the aft windows on the first night with another couple which was nice. Service in the dining room was okay. Some nights it was smooth and other nights it seemed to take absolutely forever to get each course. Carnival has definitely cut back on the quality of their food and the serving sizes. We found it hard most nights to find anything we really wanted to eat in the dining room. The were a few good dishes, but overall it was pretty blah. My husband and I ate in the Lido buffet together two nights and were just as happy with our choices, plus it took half the time to eat and we could look out the windows.
The buffet was set up nicely. We liked the different stations spread across the eating area and while it was crowded we were always able to find a table. The variety of foods made it easy for us each to get what we wanted for ourselves, but if our kids had been younger and would have needed assistance it would have been tiresome to have to go from one end to the other. The layout did keep lines to a minimum which was nice. Carnival changed their pizza and our family agrees that it's delicious and way better than it was before. It takes about 5 min for them to make you your own fresh pizza. We ate a lot of pizza on this trip. The ice cream machines were out by the inside pool area and were hard to find on day one, but it kept the kids from eating ice cream non-stop so I guess that wasn't a bad thing. We did like that they a fair amount of drink stations so it was easy to pop in from outside to get a cup of hot cocoa or lemonade. There were signs asking you to not reuse your glass which seemed wasteful but I guess it keeps people from getting sick.
Around the ship - The first sea day there were no chairs out on Deck 10 to sit and look out at the scenery. I was disappointed. We were able to sit out on Serenity, which is where my husband and I spent a lot of time. However, to sit together as a family outside was nearly impossible. That ended on day 2 when they started to put out deck chairs on Deck 10 for people to use. The annoying thing is that this is the deck people were using to jog (even though the very short jogging path was on deck 11). So there were people jogging and and out of people trying to catch a glimpse of a whale or a glacier. I wish they would have had a family area similar to Serenity for us to sit with our kids. We enjoyed the large round loungers with a cover and would have loved to snuggle up as a family together. Instead we had to use it when the girls were otherwise occupied. Loved that they had blankets on Serenity to use to keep you warm. I wish they would had them at the towel hut for use in other areas of the ship. We ended up snagging one to tote around with us.
We also enjoyed the Casino minus the smoke. In the Atrium was a game table area where there were puzzles and games to work on which was fun. There were pool tables you could rent for $5 for an hour in the Casino near the sports bar, and they got a lot of use. We tried the mini golf on Deck 11 and appreciated that the clubs and balls were right up there to use and didn't need to be checked out on deck 9. We saw some brave guys use the water slide on the back of the ship when we left Ketchikan. Other than then it was hardly used and awkwardly located away from the other pools. Speaking of pools - the inside pool was full of kids (especially the hot tub). Lots of adults enjoyed the hot tub on the Serenity deck so it wasn't a huge issue. Some people even used the outside pool on deck 9. Loved that the inside pool was open until 1 am, even though we never did go use it.
Entertainment - If you are going on an Alaskan cruise to be entertained in to the wee hours of the morning then you are sadly mistaken. As with all the other Alaskan cruises we've taken, entertainment (shows) were done by 11 pm most nights. Clubs and bars with music were still open. Lots of people were complaining, however, there was far more to do on Carnival than there was on Princess when we sailed to Alaska two years ago. We enjoyed the Beatles show, the Game Show Game, the Blues Brother's shows, and the comedy shows. Everything was pretty well timed. We had nights where we would go to dinner, then family comedy, then a show in the main lounge, and then back down for Adult Comedy. The band on board was very good and we enjoyed listing to them.
Camp Carnival - We chose this cruise because it offered our kids activities we couldn't find for their ages on other cruise lines. Our oldest (14) was in Circle C and our youngest (11) went Camp Carnival. By the end of the cruise we hardly ever saw our kids because they had made friends and were hanging out. Camp Carnival seemed to offer a nice variety of activities, some our daughter liked and some she didn't. We let her check herself out and she would often come find us and ask to swim with her new friends or to go play games. Our oldest felt that Circle C was pretty boring. It was really more suited to kids going in to Middle School versus those going in to High School and used to hanging out with older kids. However, she made some good friends and had a great time. Circle C really only offers limited things for them to do. She was hoping it would be more structured and would have things that would be fun for the whole group versus just video games and dance parties. Overall though both kids were entertained and had a fabulous time.
Wildlife viewing - the Naturalist on board really didn't offer much to us. We saw more wildlife on our own from the ship. If you spend time outside it's pretty easy to see whales and porpoise. In Tracy's Arm we saw seals and if you have binoculars you can scan the trees for bald eagles. The only thing we didn't see was a bear on the shore line - but that's okay, we saw one when we were in Skagway.
The crew was nice a few crew members really stood out to us as being extremely helpful and friendly. I think they were just as good as any other crew we have sailed with. The cruise Director and his staff were fun and entertaining.
Debarkation went even faster than embarkation. We went Self Assist with 5 pieces of luggage plus 2 carry on's each because we wanted to hit the road to Mt. Rainier as early as possible. We basically walked right through customs and were in our rental car van within 10 minutes (or less) from leaving the ship.
Overall the only thing lacking was the food and not having enough comfortable places to sit and admire the scenery. I prefer not to sit at a dining table on Lido to watch through the glass to see the world go by, I like being able to move around the ship. We'd take this cruise again in a heartbeat. It was worth every penny!


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Related Stories
It all comes down to this. The championship of PFW's "In the Trenches" bracket pits the Detroit Lions against the New Orleans Saints to determine the best offense in the NFL. The fans decide who is crowned the champion, but here's what the PFW staff had to say about the final matchup:
Associate editor Arthur Arkush:
"I have to go with the Saints, the team with the most accurate passer in the league, as well as two dynamite mismatch pieces, TE Jimmy Graham and RB Darren Sproles. I think the sky is the limit for the Motown connection of Matthew Stafford and Calvin Johnson, both of whom were unstoppable at times last season, but New Orleans, as a whole, has more weapons, better balance and far more experience as things stand today."
Editor-in-chief Keith Schleiden:
"Assuming the Drew Brees contract saga doesn't become an even bigger distraction in New Orleans than it already is, the Saints will continue to field the best offensive attack in the NFL. Even with Sean Payton out of the picture for 2012, Brees knows the offense cold and will command it with the same cool efficiency he's shown during his six years with the team. Brees and the Saints topped Matthew Stafford and the Lions in nearly every statistical category a season ago. New Orleans ranked No. 1 in yardage and No. 2 in scoring compared to Detroit's No. 5 and No. 4 rankings. The Saints ranked first in QB sack percentage compared to the Lions' ranking of 10. Time of possession? The Saints ranked fifth compared to the Lions being ranked 18th. The Saints win this battle definitively."
Associate editor Kevin Fishbain:
"Saints: New Orleans has multiple advantages in this. Jimmy Graham is arguably the best pass-catching tight end in the NFL, and I would certainly take Drew Brees over Matthew Stafford, who we've only seen produce at a high level for one full season. While the Lions have Calvin Johnson and the edge at receiver, the Saints have a loaded backfield with Darren Sproles, Mark Ingram, Pierre Thomas and Chris Ivory — the Lions could barely field a backfield last season. The Saints, even though they lost Carl Nicks, also have the edge on the offensive line. This is a no-brainer."
Senior producer Adam Anshell:
"I'm going with the Lions. I know the Saints were ridiculous in 2011. But looking ahead to 2012, how will the they be affected by the most tumultuous offseason a team has ever seen? I see them taking a step back. As for the Lions, last year at this time we were wondering if Matthew Stafford could stay healthy for a season. This year, I'm wondering if he can break Brees' record for passing yards. The arrow is going up for the Lions offense, and this may be the year they jump to the head of the pack."
Producer Mark Schoeck:
"You don't have to convince me of the promise of Matthew Stafford. Along with the toughest WR in the league to cover and a WR corps as deep as the Saints, I truly believe the Lions' passing offense will be Saints-caliber in 2012. But the Lions can't win this matchup because the best offense in the NFL must be a balanced one. The deal-breaker in this argument is not Drew Brees. It's not Jimmy Graham. It's Darren Sproles. He's the reason the Saints have the most complete — and best — offense in the NFL."
Senior editor Mike Wilkening:
"The Lions have the Matthew Stafford-to-Calvin Johnson connection, the most lethal QB-WR pairing in the game. 'We'd look at each other and we knew we needed to go out there and take it over,' Stafford told me after the 2011 season. 'I'd give him chances on balls, and he was making sure he was getting open and making plays on it.' Stafford-to-Johnson puts the Lions in the discussion of premier offenses, but other attacks are slightly better, and I would include New Orleans in this group. The Saints don't have any glaring offensive weaknesses. Their passing game is renowned, but that's not their only strength. To wit: New Orleans had more rushing yards than all but five teams a season ago. Also of note: the Saints rolled for 167 yards on the ground in their wild-card round defeat of Detroit in January, outgaining the Lions 626-412. In that defeat, the Lions rushed but 10 times for 32 yards. Yes, passing is paramount in today's game, but a running game never hurt, and the Saints' edge here is material."
You can vote in our online poll, at our Facebook page, you can tweet @profootballwkly and follow along for all of the matchups by subscribing to our Youtube channel.


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Week eleven of the 2011 NFL season is coming to a close Monday night as we await the Monday Night Football contest between the New England Patriots and Kansas City Chiefs. The close of week eleven means bye weeks are officially behind us. Additionally, fantasy football playoffs are fast approaching, with most traditional playoff structures starting in three weeks.
Week eleven featured some extremely impressive performances. Of course, some of these came from players that haven't sniffed a fantasy lineup all season. The most prominent was Detroit Lions running back Kevin Smith. The Lions have struggled to replace Jahvid Best, but Smith put together a dominant performance just a couple weeks removed from being a free agent. Smith and Lions QB Matthew Stafford combined for close to 70 fantasy points in most leagues. Given that the Lions threw up 49 points against Carolina, this is not surprising.
Some of the most impressive performances of the day came from team defenses. The Miami Dolphins, topped the 20-point mark in most leagues, while four other teams provided at least 15 points to fantasy football efforts. The Broncos defense is notable in that they have been one of the big reasons for Denver's turnaround. Tim Tebow has made some big plays late in games, but the defense has put this team in a position to succeed. They are becoming a great fantasy option.
And if you needed more proof about why Cam Newton is a great fantasy quarterback, the man threw four interceptions and still finished with close to 30 fantasy points in most leagues. Cam is an absolute beast right now and a must-start each week.
As we move ahead to week 12, Thursday football takes on a big role in fantasy football lineups. Thanksgiving features three games this week. Considering the games include Green Bay, Detroit, Miami, Dallas, San Francisco and Baltimore, there are a lot of high impact players hitting the field on Thursday. Don't forget to check your lineups before then.
Over the next week we'll break down some possible sleepers for the week ahead, as well as other generally big performances. Friday, Sunday and Monday we'll follow that up with a breakdown of all the pertinent fantasy performers.


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News: Method Man Envisions An Odd Future, "Right Now I Want To Get That Kid" [Video]
Monday, Oct 10, 2011 9:05PM
Wu-Tang Clan's Method Man is not shying away from the possibility of an Odd Future collaboration by detailing an interest to link with the West Coast hip-hop collective's leader, Tyler, the Creator.
Along with describing his admiration, M-e-t-h-o-d Man killed continued comparisons of Odd Future to the Wu.
"Right now I want to get that kid from Odd Future, Tyler, The Creator -- I just want to hear some of the sh*t he got. He's in that vein that I like as far as beats go," Mef said in an interview. "I don't see any similarities, as far as the movement, maybe. But I don't see any similarities because some of the sh*t they talk about. The sh*t we used to talk about was Five Percent Nation of Islam, Gods and Earth -- Let them do them and I enjoy them. I'm not going to lie. And yes I do know more than just one song that they've done. Some of these people on YouTube and sh*t, they're f*cking incredible with their comments." (VIBE)
In June, Method Man shared his opinion on media outlets drawing Wu/Odd similarities.
"That's what media does," Meth said in an interview. "They compare sh*t. Like when [retired boxing legend Mike] Tyson first came out, I remember them saying, 'He reminds me of a young Joe Frazier.' They always gotta compare something to something to give you a scale sort of speak -- If I was Odd Future, I wouldn't want to be compared to anybody. I love that group by the way, I love Odd Future. I like Tyler the Creator, that song 'Yonkers,' -- they're good, they're different. It's a breath of fresh air. Tyler the Creator. Very weird. But I'm into weird sh*t." (Soul Culture)
In a recent Rolling Stone feature, Odd Future were described as the modern day version of Wu.
The New Wu-Tang Clan: Odd Future: This L.A. crew features the most talented kids in hip-hop -- and the most demented. "Oh, f*ck! we just came this close to killing someone," says Tyler, the Creator, laughing. The L.A. rapper is calling from a car in Austin where the 11-person hip-hop collective he helms, Odd Future Wolf Gang Kill Them All, have taken South by Southwest by storm -- bringing a ski-masked midget onstage at one show. Tyler epitomizes the group's demented aesthetic: His rhymes are dazzling blurs of violence, jokes and emotional bloodletting. Or, as he puts it, "I'm a big f*cking crybaby, and for some reason people like listening to me." (Rolling Stone)
Outside of Method Man co-signs, Odd Future have received praise from rap stars like Crooked I, Eminem and Pharrell Williams.
"I was on my tour bus and my homeboy Scott Vener was like, 'Yo, you got to hear these kids called Odd Future. It's this kid Tyler, the Creator. This sh*t is dope. You should sign them.' It's funny because I was just bumping their sh*t and looking at all [Tyler's] YouTubes, you know, where the songs were uploaded on YouTube, just listening to it," Pharrell explained in an interview. And then I found [their manager] Chris Clancy and by the time I found Chris, they were already talking about signing -- I missed that boat. I was mad as sh*t but I'm happy because Clancy's idea to have them as the youngest in charge doing their own sh*t -- just all of the stuff I always preach about, he was very head strong about making sure they did that. It had nothing to do with me but it was just interesting to see some sh*t that I had said and things I wanted to see happen were actually happening. Young kids deciding they wanted to do music their way, some sh*t they want to say and just take their destiny by the horns and just go." (Sucker Free)
Check out Method Man speaking on Odd Future below:


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Retirement Plan Relief for Victims of Hurricane Sandy
Note - Any federal tax advice contained in this transcript is intended to apply to the specific situation described and should not be considered official guidance independent of the presentation. The tax advice and statements contained herein should not be relied upon for retirement planning purposes without first consulting a tax or retirement planning professional. This transcript has been edited for technical accuracy and may differ slightly from the audio recording of the Hurricane Sandy Relief phone forum. This information is current as of December 11, 2012. Since changes may have occurred, no guarantees are made concerning the technical accuracy after that date.
MO: Hi, everyone. Again, I'm Mark O'Donnell, Director of IRS Employee Plans Customer Education and Outreach. Welcome to our phone forum on our Hurricane Sandy relief. Today we'll be hearing from Eric Slack, Acting Manager of Employee Plans Technical Guidance. Eric will discuss Announcement 2012-44 and the relief it provides for those affected by Hurricane Sandy. Before we start I'd like to point out a couple of things. Everyone registered for this forum will receive a certificate of completion by email in about a week, as long as you attend the entire live forum. Enrolled agents, enrolled retirement plan agents and enrolled actuaries are entitled to continuing education credits for this session. Other types of tax professionals should consult their licensing organization to see if today's session qualifies for continuing education credit. As with all our presentations, the comments expressed by our speakers should not be construed as formal guidance from the IRS. The comments expressed by our speakers should not be construed as formal guidance from the IRS.
For more information on Hurricane Sandy relief, visit our retirement plan's web site at www.irs.gov/retirement. That's www.irs.gov/retirement, and select "Hurricane Sandy Relief." While visiting our web site, I'd like to encourage you to check out our free online electronic newsletters. To subscribe, just select "Newsletters" on our landing page. There you can subscribe to future editions and browse past editions of the Retirement News for Employers, our newsletter for plan sponsors and their advisors, and Employee Plans News, which is directed at retirement plans professionals.
So without further delay, here's Eric Slack.
ES: Thank you very much, Mark. One of the things I wanted to start out was, I'm the Acting Manager of Employee Plans Technical Guidance Group 1. I didn't want to do that, I didn't want to disabuse Mark of that until after I got the credit, you know, for being a much bigger shot than I really am. So I wanted to make sure that got on the table, but now I'll go ahead and correct it. But in any event I am with Employee Plans Technical Guidance and we did issue this guidance, and there is a number of questions that have come up. And so I think the format for today, what we'll try to do is everyone should have the PowerPoint presentation available; we'll kind of walk through that. Now, I think just by walking through that, we're going to answer a lot of questions that people have, and that, a lot of the question that we've, that have been submitted. We've had nearly a hundred questions, individual questions, submitted thus far, and I anticipate we'll receive even more as we go along. Hopefully I'm not raising new issues with our conversation here today, but in any event I'm happy to continue to answer some of these questions as they, as they come up. So we'll go through the PowerPoint and we'll discuss some of these aspects of the guidance and some of the things that ought to be kept in mind as you or these plan sponsors or employers begin to try to take advantage of the relief provided. Again, some of the questions will be answered. But in the event that they aren't', I've gone ahead and categorized the questions into about six boxes and six basic types of question. And we'll walk through those specifically and maybe give a little more, a more detailed, a little more rationale for, for some of, answers to some of these questions. So, but in any event, if the answers don't come through the PowerPoint discussion, or through the discussion of the six basic general questions at the end, feel free to contact Retirement Plans Questions at irs.gov, and keep those questions coming. We, you know, again, I, we're more than happy to get answers back, and if I see something, especially something that we haven't touched on here, we'll definitely look to get you an answer sooner rather than later. Definitely because of the situation that this guidance lends itself to.
So I'd like to add, on to the third slide of the PowerPoint, feel free to contact us with any questions that you have. If you felt that something was still unclear, let us know so we can get an answer out to you.
Announcement 2012-44, by now, I imagine most of you have, have parsed the language here and have tried to figure out how it's going to apply to your clients. And the basic, the basic gist of the announcement is that a qualified employer plan will not be treated as failing to satisfy any requirement under the Code of Regulations merely because the plan makes a loan or a hardship distribution for a needs, a need arising from Hurricane Sandy. Now, I think that on its own is probably fairly straightforward. I don't imagine too many people would have problems with that on its face, but it's once we dig down into the language a little bit that I think a lot of these questions start to emerge.
One of the first questions that always comes up is, well, what's, what do we consider, you know, damage relating to Hurricane Sandy. And the, that's why we've included the link there, irs.gov links regarding the, the counties that have been clared, declared federal disaster areas. And that's, that's basically your jumping off point. But it's, it's key to remember here that with respect to the participants taking these distributions or taking these loans, it's based on their principal residence or their principal place of employment. So, you know, so keep that in mind as you, as you go through the list of affected counties there.
Loans and distributions. One of the first things that tend to come in is, is, people don't understand exactly what type of relief is being granted with respect to the loans. There's nothing in the guidance that changes the terms of the plan. There's nothing there that says, you know, that you can all of a sudden give plan loans or hardship distributions in situations where they weren't otherwise allowable. All these plan loans and distributions are still subject to Section 72 of the Code. Loans and specific, specifically are covered by 72P. They're still going to have to comply there. It's also key to remember that revenue rulings and other guidance that's already out is, are going to, are going to be very useful here, and are going to do a lot to fill in some of the gaps that plan participants and plans themselves are seeing. One thing to remember is Revenue Procedure 2007-56, which helps out in the, in certain timing related issues before the IRS for federal, you know, federal disaster areas, Section 2 of that Rev Proc actually goes into, you know, the types of things that can be waived or mitigated in disaster-type situations. So if you don't see something here in this announcement it's key to remember that there may be other guidance out there. Some of the questions that we've received were relating to IRAs and the 60 day rollover period and whether or not that was, that was waived. Well, there is language on that in the Rev Proc 2007-56. Also Rev Proc 2003-16, which is the 60 day rollover revenue procedure, are going to be, are going to be necessary reading I think when you're trying to advice your clients, you know, so don't, this, you know, it's not, there's more guidance out there than just this announcement. It's important that you get a, get a complete picture there.
Another thing to remember is plans must have this language if they want to allow a loan or a distribution. Now, we will talk about this a little bit more. We've eased up some of the requirements with respect to documentation, we've eased up some of the requirements with respect to timing for these types of amendments. But at the end of the day, the amendments are going to have to be there. So that's, you know, that's something to keep in mind.
Relief. The first thing is obviously, you know, arising from Hurricane Sandy. What does that mean? Again, I don't think that we are going to get in there and, you know, really get into the weeds and say, well, this is arising out of Hurricane Sandy and this, and this isn't'. That's really a factual analysis that, that, from a guidance level I don't think we're, we're ready to, you know, to really delve into too deeply. But I think that the important to take away, as with most of the other forms of relief here, that it's a good faith determination. And, you know, I would think that something like, you know, a home being destroyed in Atlantic City on the beach is probably something that's going to be covered. You know, increasing gas prices for someone in Cleveland because of the increased demand in New Jersey, probably not. And so what we want to see is, you know, a good faith look at the situation when determining whether or not it's arising from Hurricane Sandy.
As I mentioned before, the principal residence or place of employment in an area covered by a disaster designation, you know, and that's – and again, these, these are probably straightforward for 99.99% of the cases, and so I think we want to avoid muddying the waters too much with this, you know, as far as, you know, whether or not the, we can always come up with some law school hypothetical, where someone, you know, creates a situation where they, they, they kind of straddle these lines. But you know again, a good faith interpretation of this, of the, of the principal residence or the, or the place of employment. And the, the people that are going to be looking at these, they don't want to ding you because you help some employee get, you know, relief following Hurricane Sandy. That's not what they want to do. That being said, you know, you need to make sure that you're doing whatever is reasonable under law to make sure that your Is are dotted and your Ts are crossed.
We had some of this come up with lineal ascendant or descendant. Obviously a parent, even if they're in Seattle, could, could help their child, a child help their parents, you know, in similar situations. That's not really an issue. One of the things that was, that was brought to my knowledge was someone talking about well what does, what does it mean to be a dependant? Well, you know, we don't, we don't define dependant. We're not, we're not going to get into the weeks, you know, with respect to who is a dependant and whether or not they have to be claimed as a dependant on tax deductions. That's, that's really kind of muddying up the water for a small number of people. And so those types of situations, you may have to follow up with us in greater detail. But you know lineal ascendant and descendant is, is, you know it's pretty broad but I mean I don't think that those are subject to any misinterpretation there.
Representations made by employees. Throughout the guidance we talk about whether or not representations made by the employees are sufficient, especially with regards to documentation. And they are, and we want that to serve as a baseline. We think that any time that an employee comes with their interpret--, you know, their, their documentation that they suffered X amount of damage or a certain type of damage, you know, following the hurricane, we don't, I don't think it's in anybody's best interest to really tie anybody's hands. So I think, you know, that's, that the best jumping off point. Now the situation comes up, well, you know, I've got employee X and Bob has always talked about buying his boats and he's got his dream boat and it's sitting in his office and it's, and he's got pictures of it everywhere and he talks constantly about buying his new boat, all the sudden, Hurricane Sandy strikes and he's, he's ready to go buy a boat but he says he needs it for, for Hurricane Sandy for a hardship withdrawal. Now if you know that he's not taking it out for, you know, Hurricane Sandy damage, then yeah, that's not, that's not reasonable, that's not a good faith approach to that. So, but again we're not going to get into the weeds of that.
Limitation. Because I mentioned earlier, a plan that's not permitted to make in-service distributions still can't, whether that's statutory or whether that's in the plan language, just because of this relief doesn't mean that all of a sudden a plan can make a loan, or a distribution. That being said, it's important to remember that we do give you increased time to make the amendment. So for certain plans they can obviously go ahead and make the loan immediately, or make the distrib--, the hardship distribution immediately, provided that they make the amendment within the specified time frame.
Another thing, I guess the, really the flip side to that is plans are not required to make loans or in-service distributions. This is, it's purely at the discretion of the employers and the plan sponsors. And so they, they need to make the decision based on the needs of their employees, whether or not they want to make these, you know, these aspects of the plan available. And, and these, so if you, and also I guess which side it's important to remember that if you put in, you know, hardship language, it doesn't have to be hardship specifically for Katrina, or for Hurricane Sandy. You don't need to put that in there. It can be the generic hardship language, and the same thing for the loans.
For loans and distributions that want to take advantage of the relief provided in this announcement, they need to be done after October 26th but before February 1st of next year. So if you want to take advantage for example of the reduced documentation requirement, those loans need to be take--, or those loans or distributions need to be done no later than February 1st of 2013. Also, they can't be earlier than October 26th. So we don't, if you won't, you won't be able to get it for a plan loan or distribution that you made prior to that that you just don't have the documentation for.
With regards to plans that do not have provisions for loans or hardship distributions, they have until the end of the first plan year that begins after December 31st of 2012. So for a calendar year plan, they would have until December 31st of 2013. That gives them enough time to incorporate the guidance and provide the hardship distribution and/or loan language.
Limitations. As I mentioned before, 72T still applies. This is by far the biggest question that we've had come in. You know, why are you waiving the 72T 10% additional tax. There's nothing in this guidance that waives the 72T additional tax. So keep that in mind. And that also you know goes to other questions that have been asked. Well what about IRAs, what, why isn't there any relief for IRAs. Well IRAs already can make distributions any time, so they really wouldn't benefit by any of these changes. With regards to loans, Section 72P still applies. Any plan loans that are given, and provided in the, under the, under this relief are still going to have to comply with 72P. You know, so keep that, you know, in mind, that the easements here especially with loans is with regard to documentation especially, so.
Next slide is documentation. Plan administrators may rely on representations as to the need and amount of a hardship, unless they have actual knowledge to the contrary. And that's something that I mentioned prior, you know, that if you, if you know that Bob is taking out that distribution or taking out, like taking out hardship distribution, to go buy a boat, well then you, you know, you can't accept his representation to the contrary. But you know we don't want people having to go out and increasing the burden on the plan participants and the plan itself just to take advantage of this relief. Good faith diligent efforts where it's required. You know, if you, if you can get this documentation, then yeah, that's entirely reasonable to get it, but if you can't then you really kind of fall under that reasonable belief, reasonable effort type test.
Just a little FYI, DOL as mentioned in the revenue proceed--, or the announcement, pardon, has said it will not treat any person as violating Title 1, so we do have Title 1 protection in this, in this type of relief. So you won't' have to be concerned that by complying – or taking advantage of the guidance, that by some, you know, some stroke, that you are going to be in violation of Title 1. So.
Let me catch my breath here for a second. I wanted to get on into some of the questions that have come up and kind of answer them in a bit more detail with, you know, a bit a more specificity and give you an idea of what we're looking at and how we read and crafted the announcement. First off, 72T, this, as I mentioned this is by far the biggest question that we've had come in. A lot of the questions start off with the false premise that 72T has been, has been waived. 72, there's nothing in the announcement that waives the 10% additional tax on distributions. In the past, Congress has waived the 10% additional tax via statute in disaster situations. It has not done so yet here. We don't know if or when they might do that. But that's something that we just don't have discretion to change, so we, you know, we grant the relief that we can under that stat--, under the code and the regs right now.
Congress has done that, like I said, they have waived the 10%. They did it in Katrina, and I think some of the similarity there, people have been thinking that, oh, well, you know the 72T census is similar to Katrina, well this has been waived. It hasn't. So a lot of the questions that we've had come in start under the assumption that 72T has been waived. But by far and away this has been the number one question that's come in is, is related to this 72T additional tax. So that hasn't been changed.
The second one that's come in, and this has been actually a little more interesting and a little more in depth here, is regarding the need for amendments. As I mentioned, there's no need for an amendment to take advantage of these, of the Hurricane Sandy relief provisions with regard to hardship distributions or loan provisions, unless those general generic provisions don't exist at all. If your plan has hardship or loan provisions, you know, for, you know, natural disaster or loss of a home, things like that, they're going to be able to take advantage of this as a hardship. That being said, if they're, if they're not, if you don't have the hardship provisions, if you don't have the loan provisions and you'd like to offer those to plan participants, there does need to be an amendment made. And again, the time for making such an amendment is extended until the end of the first year, first plan year following December 31st of 2012. So if the plan does have hardship or loan provisions, there's no need for an additional amendment unless for some reason, the way it was crafted, Hurricane Sandy relief does not fit into that. If it's highly specific or something like that then, then you may need to amend.
For Safe Harbor, for a Safe Harbor plan, for Safe Harbor 401K, if the plan has hardship withdrawal provisions, it's not going to need to amend to cover specific, you know, Sandy type loans. And this really kind of goes into the six months, the prohibition on contributions. We waive that here in the announcement, so they can still keep participating, they can still, you know, do that, but just because it, just because your plan calls for that, you know, the suspension of the, of the contributions there, even though, by, just by virtue of the announcement, you're going to be able to administratively disregard that requirement. So you don't actually need to make a change to your plan to accomplish that. You'll just be able to, as a procedural matter, as an administrative matter, continue to allow those employees to bypass that six month restriction.
Is a plan required to allow loans and hardships? We've had some questions, some questions have actually come in from plan participants who have asked, well, my plan won't let me take a hardship distribution, you know, can I, can I report them, who do I complain to, things like that. And one of the things that we are pointing out is that, you know, plans that don't want to for whatever reason are not required by virtue of this announcement to go ahead and create plan loan language or hardship distribution language, or to allow these for plan participants. It's up to the discretion of the individual plan sponsors. I think most plan sponsors want to take advantage of this. One of the questions came in with regard to a savings plan for federal employees. And that's, that's a really good question. I actually saw a note that came across my desk today saying that there were, there were, you know, increased availability for hardship distributions. I didn't get into the nuts and bolts of what's allowed. But with that, a decision was made by the TSP board, by the plan administrator, as to whether or not you know, or as to how they were going to you know use this guidance and take advantage of it.
I mentioned before, if the plan language prohibits the contributions but you want to take advantage of the announcement to allow the contributions within the six month time period, it's purely administrative stuff. You can completely bypass that without amending your plan.
So your Sandy related loans and distributions, they must be taken by February 1st to be able to take advantage of the relief. This really kind of comes into play especially with regards to documentation, you know, for plan loans and for, you know, for hardship distributions where you may not be able to document things. You know, the decreased or the lax view of documentation is only going to be applicable for those loans and distributions taken up until February 1st. so if someone takes it out on February 2nd there's, they're not going to be covered by this. They're still going to have to, you know, provide the necessary documentation, be subject to the same rules and requirements, the same plan conditions that they were apart from this announcement. So that's something that I think plan administrators need to be aware of and probably need to communicate to the employees that wish to take advantage of this. And one of the things we'll kind of get into, this is a, this is a much bigger issue and question that's kind of come across our desk. And this is regarding plans that require that all loans be taken out prior to being able to take a hardship distribution. Now for Safe Harbor 401K plans? They, you know, it's, it's a condition under the regs that the employer needs to show that before they take a hardship distribution that there's no alternative means available. And they kind of look at that and one of things they say is, you know, they talk about, you know, currently available, or like loans, or ESOP dividends, things like that have to be shown that they're not available.
Now, where this comes is I think with, you know, with larger providers, you know, people who may have difficulty obtaining a loan. Now, in the four, in the Safe Harbor 401K regs, under D, capital D there, it says, it's actually one dot 401K dash one D three, capital D, and it says the employee need not take counterproductive action. And here the employee, even though they're required to exhaust the other means of help, they don't need to take something that's counterproductive. Now, the example that they give there is if by taking up, if applying for a loan, a, you know, a plan loan is going to lower their credit score, and therefore make it impossible for them to take the house for with, or to buy the house for which they're using the plan loans for, that's counterproductive, and that's the example they use. Now, in the case of hurricane relief, I think you know we would agree that a plan sponsor or an administrator that can own, that would require, you know, a very long time to get a loan approved and, you know, processed, we're, I wouldn't think that those are, I would, I would agree that those are counterproductive actions, especially given the time sensitive nature of this type of relief. So you know I would take advantage of this, especially for the Safe Harbor plan.
Now, again, we realize that not everybody out there is a Safe Harbor 401K plan, and we're not saying that you need to be to take advantage of any of that type of relief. If you look on the paragraph that begins "in addition," it's on page 3, on line, it's the one, two, three four, it's the sixth paragraph under "Relief," the "in addition" paragraph says with respect to hardship distributions, no failure to follow procedure simply because a distribution loan is made, so long as a good faith effort is made. You know, we kind of, I see this as a catch-all, and I think that this kind of picks up the same situation that I described earlier with regard to the Safe Harbor 401K. That other plans that have administrative requirements within the plan that want to ease those in order to make these provisions applicable to their employees, it seems that they would fall into this and would be, and would be covered, and would be able to shorten up some of the time or to be of, to be able to avoid some of the administrative burden that necessarily follows some of things, or some of the, you know, some of the relief might otherwise entail. So that's kind of how I see that. Now again I think, with all of these, the devil's kind of in the details, and unfortunately I don't think that we would be, you know, capable of giving, you know 100% type situations or being able to walk through a situational analysis for every conceivable possibility that you as representatives and as plan sponsors are going to encounter. That being said, you know, we're here, we're happy to kind of, you know, walk through these as best we can to give you an idea of our reading of these things and how we kind of anticipate them going. You know again, that's not, that's not perfect reliance and it may not be, you know, what you think you need, but you know we're happy to follow up. Our goal is to make sure that, that, you know, plan participants have access to these, to these funds and to these provisions and that employers and plan sponsors are able to take advantage of them to help their employees. So, you know with that as the, you know, the overriding goal, that's, that's our view of this piece of guidance.
You know and that's, and that's kind of where we're at. Again, if you look on the PowerPoint I've left, you know, contact information. Every one of those questions that's sent there to Retirement Plans Questions at irs.gov, I will see, I will get to you either personally or through someone in my group. That being said, I've heard from a lot of you already and if you guys do have any questions feel free to contact me directly. If you do submit a question to Retirement Plans Questions, address it to me and, and you know, and the more specific the question, the better. But I'm happy to get to them and I will try to do that as best we can.
That's all that I've prepared for today, so we've gone over from the questions I've seen, this has really covered 99.9% of the questions that have come in, and so I hope that it's been helpful to each of you and I hope that we, you know, that we can, you know be of some help in the future in making sure that you guys understand the guidance that I just, as [unint.] the challenges that either prevent you from taking full advantage of it, or you know just you know the challenges in general that we can address. Thank you.
MO: Well, thanks Eric. Good day to everyone.


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Stories We Like: A Guide to the Comma
child (chīld)
A person between birth and puberty.
An unborn infant; a fetus.
An infant; a baby.
One who is childish or immature.
A son or daughter; an offspring.
This word has considerable latitude of meaning in Scripture. Thus Joseph is called a child at the time when he was probably about sixteen years of age (Gen. 37:3); and Benjamin is so called when he was above thirty years (44:20). Solomon called himself a little child when he came to the kingdom (1 Kings 3:7). The descendants of a man, however remote, are called his children; as, "the children of Edom," "the children of Moab," "the children of Israel." In the earliest times mothers did not wean their children till they were from thirty months to three years old; and the day on which they were weaned was kept as a festival day (Gen. 21:8; Ex. 2:7, 9; 1 Sam. 1:22-24; Matt. 21:16). At the age of five, children began to learn the arts and duties of life under the care of their fathers (Deut. 6:20-25; 11:19). To have a numerous family was regarded as a mark of divine favour (Gen. 11:30; 30:1; 1 Sam. 2:5; 2 Sam. 6:23; Ps. 127:3; 128:3). Figuratively the name is used for those who are ignorant or narrow-minded (Matt. 11:16; Luke 7:32; 1 Cor. 13:11). "When I was a child, I spake as a child." "Brethren, be not children in understanding" (1 Cor. 14:20). "That we henceforth be no more children, tossed to and fro" (Eph. 4:14). Children are also spoken of as representing simplicity and humility (Matt. 19:13-15; Mark 10:13-16; Luke 18:15-17). Believers are "children of light" (Luke 16:8; 1 Thess. 5:5) and "children of obedience" (1 Pet. 1:14).


text:
The Pima County Sheriff's Department has determined that a suspicious package found near a west-side Walmart store was nothing dangerous.
Sheriff's deputies were called to the area outside the Walmart Neighborhood Market at North La Cholla Boulevard and West Ruthrauff Road shortly before 2 p.m. Deputies deployed a robotic device to check out the suspicious package.
The nearby Walmart was not evacuated.
Tucson News Now's Carissa Planalp is on the scene. You can follow her on Twitter at @CarissaTNN.
Stay with Tucson News Now for updates to this late breaking story.
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text:
ESSEX — These municipal meetings, open to the public, are scheduled in Essex this week:
Town Hall will be closed in recognition of Columbus Day.
Conservation Commission, 7:30 p.m. TOHP Burnham Library.
Public Safety Study Committee, 7 p.m. fire station.
Planning Board, 7:30 p.m., Essex Elementary School. Agenda includes board discussion of Centennial Grove Committee, Community Preservation Committee, Building Committee, Conomo Point Committee, Long Term Planning Committee, potential projects, Town Meeting discussion, upcoming public hearings on Nov. 6, new applications.
Finance Committee, 6 p.m., Essex Elementary School. Capital budget update, budget update, Conomo Point update.
Community Preservation Committee, 7:30 p.m., Essex Senior Center.
Historical Commission, 8:30 a.m., TOHP Burnham library.


text: Shelli Farr, 31, of Elwood, Nebraska, died Thursday, January 17th, 2013, at the Lexington Regional Health Center in Lexington, Nebraska. Shelli was born August 9th, 1981, at Holdrege, Nebraska, to Floyd and Elaine (Pfeiffer) Farr. Since birth, Shelli faced a host of physical challenges, including a significant hearing deficiency. Shelli attended Walnut Junior High in Grand Island, Nebraska, where she learned and quickly latched on to sign language. She became so adept at sign language that she eventually ended up in Hastings, teaching other children how to sign. Shelli went on to graduate from Elwood High School with the class of 2001.Following high school, Shelli worked as a Certified Nursing Assistant and Medication Aide at several care facilities, including the Elwood Care Center and the Golden LivingCenter in Cozad, Nebraska. Despite her myriad of health problems, Shelli devoted her life to the care of others. Because she suffered pain daily, she always felt a sense of empathy for the people that she cared for throughout her career. She lovingly cared for those around her until May of 2010, when she experienced a debilitating stroke that led to several other complications and forced her to stop working. Shelli had a caring heart and despite all of the adversity in her life, she never stopped trying to make a difference in people's lives. She lived each day as though it could be her last one; and as a result, she was passionate about everything she did. She loved spending time with her animals, particularly her dogs. She also enjoyed music and despite her hearing loss, was an extremely gifted musician from an early age. Shelli was also a proud Husker football fan and tried to represent her favorite team every chance she had which included wearing her Husker jersey and jewelry while lying in a hospital bed. She had a very special relationship with her family, and will be sorely missed by all whose lives she touched.Shelli was preceded in death by her daughter, Natalie Ann Farr; her father, Floyd; maternal grandparents, Cornelius and Ida Pfeiffer; paternal grandparents, Bill and Velma Farr; uncle, Kenneth Farr; aunt, Lois Pfeiffer; and a cousin, Cristy Niemeier.Survivors include her mother, Elaine Farr of Elwood; sister, Ronda (Brett) Whittaker of Eustis, Nebraska; four aunts, Marilyn (Robert) Schneider of Elwood, Dolores (Art) Oelkers of Elwood, Ardella (Duane) Brand of Holdrege, Nebraska, Dorthea (LaMoyne) Pfeiffer of Elwood; four uncles, Lloyd (Erma) Pfeiffer, Alvin (Isabelle) Pfeiffer, Lyle Pfeiffer all of Arapahoe, Nebraska, Dale (Pat) Pfeiffer of Colorado Springs, Colorado; and many other relatives and friends.Services will be held on Monday, January 21st, 2013, at 10:30 a.m. at the Our Redeemer Lutheran Church in Elwood with the Reverend David Dobbertien officiating. Burial was in the West Salem Cemetery south of Elwood.A memorial has been established in her memory. Condolences may be shared at berrymanfuneralhome.com.Berryman Funeral Home in Cozad is in charge of arrangements.


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Expired Property Listing
This property is disabled.
Umbagog Lake House in Newry
- bedrooms 3
- baths 2
- sleeps 10
- pool no
- hot tub no
- pets allowed no
- type House
- community nearSunday River Ski
rates (USD)
/ night
$ 1,550 - $ 1,550 / week
vacation rental description
The Umbagog Lake House is situated on Lake Umbagog in Upton, Maine. It has a private dock for your
boat or personal water craft. The house has a large deck for entertaining and enjoying the views of
the pristine Lake Umbagog and surrounding mountains. You could be witness to spectacular
sunsets, as well as enjoying all the wildlife refuge has to offer.
The house features: Vaulted ceilings, French doors and large windows looking out toward the lake, 3
large bedrooms, second floor loft area, 2 good size bathrooms, large fully equipped kitchen and
dining room area and large brick fireplace in the middle of the living room. The interior expresses
a unique country theme that will add to your experience of our exquisite log home. Also newly completed additional room in basement (walk out french doors) with TV, futon and sleeper sofa.
The area has many places to explore, including a 14 mile long lake in the front yard. Grafton Notch
State Park is just a few miles away, and there are many miles of roadways where moose and deer seem
to like to watch you as much as you do them.
In the winter skimobiling is great. Trails start from the end of your driveway or from your front yard onto the lake.
house rental amenities
First Floor:
Living room: Views. fully furnished w/a sleeper sofa (queen sized), recliners, DishTV,
DVD,VHS. French doors lead out to the deck and to the screened in porch.
Dining room: Views. Large table serves as many as 10-12, and a long countertop serves 6.
Kitchen: Views. Stove, refrigerator, dishwasher, microwave, coffee maker,cookware etc.
1st floor bath:6 foot tub with dual shower heads, dual vanity sinks, full length mirror.
Laundry area: washer and dryer on the first floor.
Master bedroom: Queen sized bed, large closet.
Second Floor:
Loft: sleeper sofa(full size), desk. Loft looks down toward the dining and living room areas,
and has large windows that face toward the lake and mountain views.
Guest Bedroom#1: Queen sized bed, large closet.
Guest Bedroom#2: 2 Full sized beds, closet.
10x40 foot deck(3sides)
10x12 foot screened in porch with entry through living room or deck.
Gas grill.
Large parking area.
Long dock area.
activities and attractions in Newry Maine
Snowmobiling:on 14 mile long Lake Umbagog, also land trails start at the end of the driveway.
(Rentals available).
Fishing:(Guides available)Lake has Brook trout, Salmon, Bass, Pike, Smelt, and many warm water
Short trips to brook, pond, and river fishing on Androscoggin and Magalloway rivers, and the
Famous for fly fishing- Rapid River
Hunting: (Guides Available)Deer, Moose, Bear and upland birds.
Bird watching: Bald Eagles, Osprey, Grosbeaks, Woodpeckers, Kingfishers and many other song birds.
Hiking: Grafton Notch(Dist. 9miles), Thirteen Mile woods(Dist. 10 miles).
Kayaking: (guides available)Lake, or Androscoggin river (Dist. 10 miles).
Downhill skiing: Sunday River (dist 24.7 mile)Wilderness ski area Dixville notch(dist. 21miles)
Golf: The Balsams at Dixville notch
Boating: (rentals available at L.L.Cote Sporting Goods Errol NH)
Restaurants: in Errol NH or Bethel ME
vacation rental rates
$260 per night 3 Night Min.
$1550 per 7 consecutive nights' stay.
Prices do NOT include a $100 cleaning fee plus 8% Rental Tax. Must be 21 or older to rent.
To book less than weekly rental: Total due (including cleaning fee & 8% rental tax) must be paid by check.
To book weekly rental: One-half of total due (including cleaning fee & 8% rental tax) must be paid by check. Second-half (balance) is due 60 days before arrival.
If reservation is cancelled no refunds unless property can be re-rented for same period.
Check-in is AFTER 3 PM (Please no early arrivals). Check-out is before 10 AM (Please no late departures).


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reviews for: listing #4792 - Indian Shores, Florida Cottage rental
- bedrooms 2
- pool no
- type Cottage
- baths 1
- hot tub no
- community
- sleeps 5
- pets allowed yes
rates (USD)
$1,000 - $1,195 /wk
$3,000 - $3,500 /mth
Paradise Found
Review submitted: April 26, 2012 Date of arrival: February 27, 2012
The pictures & description don't do the cottage justice. The cottage is clean, comfortable, & cozy. It has all the amenities necessary, & is your private doorway to the beach & gulf waters. You're also close to fine restaurants & if necessary, you can access the mainland via the causeway, close at hand. Our 14 year old dog Sadie, also enjoyed her stay, especially in the evening, taking in the breeze off the gulf, as well as my wife & myself. Enjoy!
Recommended for: age 55+, families with young children, pet-friendly, romantic getaway
Do you find this review helpful? Yes No
Helpful votes: 2 / 2
Review submitted: April 22, 2012 Date of arrival: March 31, 2012
I can't say enough about how much we loved this "little" place. You couldn't bring a gang but, for 2-3 people, it is perfect. Decorated very tastefully and pet friendly was a hugh plus. Nice location, close to everything. Had a mirror image cottage separated by a breezeway next door. Very close to the beach. Ground level, wonderful view. Owners couldn't have been more pleasant to work with. Had a problem with the air the first night but was promptly taken care of. Owner called to make sure everything was ok the following day. TV was a bit complicated to work but we managed that too. Would be nice if there were less furnishing in second bedroom and larger bed. Appears to be a home away from home for the owner. Overall, a great place! A wonderful week!
Recommended for: age 55+, pet-friendly, sight seeing, romantic getaway
Do you find this review helpful? Yes No
Helpful votes: 3 / 3
little slice of heaven!
Review submitted: September 12, 2011 Date of arrival: August 5, 2011
this place is amazing! it is literally ON the sand. the views are beautiful and it was so relaxing to just sit on the porch and enjoy the sun and the sound of the waves. it's close to lots of great places to eat, there is a dog park nearby if you have pets, and there is a pet beach not too far of a drive away. it was quiet and tranquil which was a WELCOMED break. would highly recommend this to friends and family. the owners always respond to e-mails in a timely manner and were very friendly, they gave us lots of VERY good recommendations on places to eat.
Recommended for: age 55+, families with young children, families with teenagers, girls getaway, pet-friendly, romantic getaway
Do you find this review helpful? Yes No
Helpful votes: 4 / 4
Great relaxing place to stay!
Review submitted: January 18, 2011 Date of arrival: January 8, 2011
We throughly enjoyed our stay! The cottage is really nice and clean and the location is safe and the local ammentities are nice! We will stay again!
Recommended for: pet-friendly, sight seeing, romantic getaway
Do you find this review helpful? Yes No
Helpful votes: 1 / 1
Hidden Jewel!
Review submitted: December 23, 2010 Date of arrival: October 16, 2010
This is a true hidden jewel on the beach! Fabulous cottage, wonderfully decorated, friendly and welcoming! What else does one need? Would definitely recommend it!
Recommended for: age 55+, families with young children, people with disabilities, families with teenagers, girls getaway, pet-friendly, sight seeing, tourists without a car, romantic getaway
Do you find this review helpful? Yes No
Helpful votes: 2 / 2
Couldn't have been more perfect!
Review submitted: September 4, 2010 Date of arrival: August 15, 2010
This beautiful beach cottage really set the tone for our whole vacation...and it couldn't have been more perfect! As described, the cottage is right on the sand and was perfect for spending hours of time in the wonderfully warm Gulf water with our young children. The cottage is whimsically decorated with seaside charm and was perfectly comfortable. The beach chairs, loungers on the patio, the extra stash of towels...everything was thoughtfully provided and the house was extremely clean. While we were there, the neighborhood was very quiet - and we felt like we had our own little piece of beach all to ourselves. The owner was prompt in responding, accommodating, and helpful even in providing ideas for local dining. At the risk of recommending it too highly, and then not being able to reserve it again for ourselves...(!) we can't say enough wonderful things about this cozy little cottage!
Recommended for: families with young children, families with teenagers
Do you find this review helpful? Yes No
Helpful votes: 4 / 4
Enjoyed the stay; won't stay again!
Review submitted: June 14, 2010 Date of arrival: April 2, 2010
I received a phone call @ noon on 4/2 from the owner that the property was unavailable until 4/3; this was after weeks of communication and payment was already received, thus I had to rearrange my plans- NOT a good way to start a vacation! Was told "this happens every year" of the tenant that was currently occupying the property. Upon arriving at the property the following morning, I was rudely greeted by the cleaning lady and was unable to enter the property due to the door being locked and having an incorrect lock code. As a result, I was unable to get into the property until 1pm, thus having to rearrange my plans for the 2nd time. The original plan was to enter the property the afternoon on 4/2. Our stay was extended after the 'check-out' time to accommodate our time.
During our initial communications, the owner informed me that upon a clear check-out that my original deposit check would be mailed back to me. This was not the case. The deposit check, along with the payment check, was cashed on the same day. It took almost two months to receive the refund for the deposit check.
I'm not sure that I'll rent from another 'local,' as I do not feel that things were handled professionally.
Owners response:
This vacationer's failed to notify me, the owner, of her new address thus the check was returned by the post office. She was contacted several times by email and by phone in order to obtain a forwarding address. The vacationer replied a month later and provided new adress; she stated she had not left a forwarding address with the post office. The refund check was then mailed once again to her new address.
The vacationer gladly accepted a complimentary night stay and an early morning check-in in lieu of her previous night arrival at 10:00 p.m. She stated she was held at work that night and would actually prefer getting the extra night complimentary time giving her more time at the beach at no extra charge!
There would have been no reason for the cleaning lady to be "rude" nor has there ever been a previous complaint, in the last 15 years. about the cleaning lady being rude to anyone else.
Joey - owner
Do you find this review helpful? Yes No
Helpful votes: 9 / 10
Reviews are the subjective opinions of VacationRentals.com travelers and not of VacationRentals.com, Inc.


text:
One lucky osprey will soon have a place to call home.
Students at Cape Coral High School built a platform for the bird of prey to nest on.
Big trucks replace school buses at Cape Coral High Friday morning.
Crews from the Lee County Electric Cooperative are ready to finish what high school senior Daniel Schrank and his classmates started.
"This is just simple fence posting that we got, but it will hold up the osprey nest," Schrank said while showing off the platform.
The global studies club built a platform to hold an osprey nest with the International Osprey Foundation based on Sanibel Island, but they needed help getting it up in the air.
LCEC brought in a pole, attached the platform, and lifted it all into place.
"Our school mascot is the sea hawks, so it's good to know we're trying to bring a real life version of it here," said junior Alex Shirakawa.
Students are partnering with the Florida Forest Service to plant trees and native shrubs around the pond in front of the school. They say that will help lure in prey for the osprey.
"It's really rewarding to be able to work with our own peers and be able to promote a healthier environment while in class," explained Napoleon Galang, who planted trees during his environment class.
Experts say nesting places are scarce for osprey. The birds of prey perch on manmade structures like the platform the students built.
Schrank and his classmates are the first to build and install a platform at a Lee County high school. They hope is other schools follow suit.
"My motto is always lead by example and this is one way to give back to our school for my senior year," said Schrank.
For now they'll keep a watchful eye on the platform, eager for an osprey to move in.
3719 Central AvenueFort Myers, FL 33901Main Phone: (239) 939-2020Newsroom Phone: (239) 939-6223


text:
Sunday, 23 December 2012
Challenge #10 - Anything Goes
79 comments:
- Karons Krafty Korner said...
Great DT creations - wishing you all a Very Merry Christmas.
- 23 December 2012 06:01
- Beebeebabs said...
Nice work from the DT - have a Merry Christmas and a Happy New Year!!!
- 23 December 2012 06:18
- Lisa Warren said...
Hi I am new to blogging and I came across your beautiful challenge blog so here I am. Your DT Team have some very inspirational projects xx
- 23 December 2012 12:56
- Gail said...
Beautiful DT creations as always! Thanks for sharing and have a great day!
- 23 December 2012 13:18
- n@tie said...
Mooie kaartjes.
- 23 December 2012 14:22
- Gerda said...
Great work by the DT!!
- 23 December 2012 14:43
- Sunshine HoneyBee said...
Wonderful DT creations. Thanks Gail for heads up about this challenge being new today. Was in a Snowman Tag making mood today so I entered 3 of my Snowman Tags since there is a limit of 3 entries in this challenge.
"Sunshine HoneyBee"
- 23 December 2012 20:31
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- mueppi said...
Great works by DT!
Happy New Year!
Hugs Gisela
- 30 December 2012 05:27
- KarinsArtScrap said...
beautiful DT cards ladies.
have a happy new year.
greetings karin
- 30 December 2012 23:48
- cotnob said...
Fabulous DT inspiration, thank you for the challenge.
Happy New Year to you all.
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- Anniebee said...
Awesome DT samples! I'm glad to find your challenge. I believe this is my first time entering. Happy New Year!
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