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Jul 9, 2009
General Nonsense
Yesterday a financial institution offered to help manage my portfolio for a fee of only .75% per year. With that fee structure, they get ten times as much in fees from a client who has ten times as much in his portfolio, even if managing it is the same amount of work, which it presumably would be.
I assume at least part of the money these professionals propose to manage would get directed toward funds that are managed by yet other professionals who take even more of your money no matter how well they perform. And they too will get higher fees when you invest more, despite their workload being the same for any amount.
Part of the pitch for this financial service was that I would get to approve any adjustments to the portfolio they recommend.
Pause to digest that.
If I were smart enough to override the advice of experts, why would I pay the experts for advice? The entire system depends on me being dumb enough to think that concept makes sense. And what exactly was the opposite of that arrangement? Do other companies propose to invest your money against your will?
So suppose you give your financial advisor only half of your portfolio to manage, and then you duplicate whatever he does with the other half. Your results would be the same, but his fee would be halved. He'll argue that he needs to see the whole portfolio to do his job right, but he doesn't. You just need to be sure you have adequate liquidity (ready cash) in case you need it.
Someday someone will create a web service that has a few dozen sample portfolios that can fit just about any need. The user will answer a series of questions about his situation, and the system will spit out a portfolio suggestion. After that, the system will generate e-mails asking you to update your personal situation, in case that changes the portfolio recommendation, and alert you if any of your investments need to be tweaked.
The sample portfolios could be as simple as broad index ETFs, some domestic and some international, for the equities, and some bond funds for fixed income. All you would ever need to adjust is the percentage of your funds in each type of vehicle once every several years.
If the tiny fees of the ETFs are still too rich for your blood, it wouldn't be hard for someone in the know to come up with a sample portfolio of say 25 individual stocks that are likely to perform just like an index. You pay the discount broker fee once, and adjust every few years as needed.
Now you will tell me it is already being done.
Votes: +13
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Jul 15, 2009
I wonder if altruistguy even knows what a 'comment' is...
Bit like one of the cubicle sociopaths here at the bank I work at, no such thing as a quick note all his e-mails fill the screen
12 paragraphs of text every meeting request etc....geez
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Jul 13, 2009
"Despite some of the cynical "lawyers-are-to-blame" comments here, your potential adviser is actually interested in what you think when giving you the option to override his/her chosen strategy."
Sorry, PHB, the legal implications for an expert not involving a non-expert customer in the decision process was not a cynical comment, it was a statement of fact. The fact that the expert advisor may actually find the customer's response to the advice to be interesting or useful is secondary and unrelated to the underlying legal implications.
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Jul 13, 2009
I agree with Scott and disagree with altruistguy completely. Here's just one point.
If I gave a financial advisor $100,000 to manage, tell him it's all the money I have for investing, and share my risk tolerance and time horizon, he will (should) put together a diversified portfolio. Small caps, large caps, bonds, fixed income, etc. He'll make $750 off me this year for his services (plus my portfolio will take a hit from transaction costs or points).
But say I really have another $100,000, or $200,000, or $500,000 more than the $100,000 I entrusted to the advisor. I could apply the same asset allocation ratios to my personally-managed funds, and get the same results for far less than $750.00 a year in trading fees. My entire portfolio would be allocated at the same ratios as the advisor set up.
I also want to see the advisor who takes a percentage of the GROWTH of the client's portfolio. That is a confident professional.
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Jul 13, 2009
You are making assumptions that people actually care enough to learn how to invest on their own and that they can remain competent enough to actually execute a well conceived plan. The fact of the matter is that people are scared p o o p-less and eagerly hire a "professional" to make these decision for them. You are making classic engineering-logic errors in believing people actually make rational decisions!
Despite some of the cynical "lawyers-are-to-blame" comments here, your potential adviser is actually interested in what you think when giving you the option to override his/her chosen strategy.
The independent fee-based Registered Investment Adviser business model is actually the most client-centric model that exists today that gives REAL, objective advice in building an investment plan. Boiling it down to a handful of questions and poof instant model portfolio is flawed thinking - much in the same way physicians diagnose health problems, all investing is personal. The crime is when one is forced into a model that does not take into account personal preferences and attitudes.
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Jul 12, 2009
For the past 25 years the best-performing investment newsletter has been NoLoad FundX. It's similar to your idea. The newsletter looks at the best-performing mutual funds each month, then has you move your money into those. By shifting money around regularly, you take advantage of who's hot and who's not.
Plus it's dirt cheap.
I used to have a Merrill Lynch adviser. Now I use FundX. Cheaper, easier, and better results. Love it.
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Jul 12, 2009
You have hit on the paradox of investing. After 20 years of individual investing as a hobby I have arrived on this paradox. It takes a certain amount of perspective and time to learn and to understand that the financial services industry actually does more harm than good to it's customers. Lets just use mutual funds, for example, they actually create frictional costs and as a whole greatly under perform the index ( or average). We've all seen the studies of 90% of mutual fund managers don't beat the index. If all the managed funds were mandated tomorrow to move to low fee index funds, as a whole, investors would be better off.
Now, I could just tell you to buy low fee index funds or ETF's, but it would be extremely arrogant of me to expect you to follow my advice. If I could put my knowledge on a chip and insert it into your brain and have you go 'aha' that would be different. And heck, maybe I'm wrong and you would would say 'phooey'. But, my point is, it takes a lot of effort and learning and perspective to figure out that you don't need the service. Therein lies the paradox, because you don't want to exert that effort, you want to pay for it! Because it doesn't interest you or you don't have time or your building a house, whatever.
Now for any mutual fund manager out there, I will offer this. I do not think my knowledge or skill of investing is superior to yours. In fact, I would liken it to me playing Michael Jordan in a game of pickup one on one. My odds aren't very good. But if Michael has to play by the 'analogy' rules of the mutual fund industry, he would have to play on his knees with one hand tied behind his back. I like my chances. When you understand this you no longer would pay for the service.
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Jul 12, 2009
Hello Scott,
I find it difficult to believe that you might have been serious when writing this entry -- I thought that you were far more well-informed on financial issues.
1) "... a fee of only .75% per year. With that fee structure, they get ten times as much in fees from a client who has ten times as much in his portfolio, even if managing it is the same amount of work, which it presumably would be."
First, 0.75% per year is a VERY good deal for competent management of a portfolio of -- perhaps a million dollars or less.
Second, there are several good reasons for a fee structure that is somewhat related to the amount under management -- the linearly increasing potential liability that a manager takes on. Twice as much under management suggests twice as much potential liability. Another reason is that larger portfolios really do take more effort to prudently manage than do smaller portfolios. If you had a billion dollar portfolio, do you really believe that prudently managing it would take the same amount of effort as prudently managing a $10,000 portfolio? No -- clearly not. I could elaborate on that point, but it would be too long a discussion.
2. "And they too will get higher fees when you invest more, despite their workload being the same for any amount."
I strongly suspect that the fees you are talking about diminish as the amount under management goes up. So, for example, perhaps that 0.75% only applied to the first million under management. The second million might only cost 0.4%, the third million only 0.25%, and so forth. This sort of setup reflects the facts discussed in item 1 above -- the fact that the amount of liability taken on by the advisor increases linearly with assets -- and the fact that the amount of work involved increases, but less than linearly.
3. "Part of the pitch for this financial service was that I would get to approve any adjustments to the portfolio they recommend. "
This is actually a smart thing for MANY reasons. Basically, we human beings are spectacularly good at "shooting ourselves in the foot" in financial matters. There are MANY well-documented psychological effects that we are subject to which tend to cause us to do things that are not in our fiscal best-interest.
What people tend to do is when they have negative surprises, they tend to panic -- and to do the worst possible thing at the worst possible time as a result of that panic. They sell low and buy high (or stuff money in a mattress).
By giving you rationale for prospective actions and asking your permission, the advisor is attempting to make you better informed about what is happening, why it is happening, and what sorts of things you can expect as a result thereof. The better informed investor is then less likely to be negatively surprised by what follows -- and is less likely to panic and to do the bad things that panic-y investors tend to do.
So this really is a good thing -- from a very pragmatic perspective.
4. "If I were smart enough to override the advice of experts, why would I pay the experts for advice? The entire system depends on me being dumb enough to think that concept makes sense. And what exactly was the opposite of that arrangement? Do other companies propose to invest your money against your will?"
The issue here isn't asking you to override the advice of experts, it is trying to help you get emotional buy-in -- to prevent you from panicking when things go south -- and hurting yourself.
Other companies don't propose to invest your money against your will -- they just don't ask. This is called "discretionary management". It is certainly easier for the advisor to do this. However, when things go bad, the investor, who doesn't understand what was being done for what reasons and what they should expect going forward as a result of those decisions, is likely to panic and shoot themselves in the foot.
5) "So suppose you give your financial advisor only half of your portfolio to manage, and then you duplicate whatever he does with the other half. Your results would be the same, but his fee would be halved. He'll argue that he needs to see the whole portfolio to do his job right, but he doesn't."
This shows great naivete. If you don't make your entire portfolio available, the entire portfolio can't be optimized.
a) Asset-location can't be optimized. For example, there is good research which indicates that it can make a big difference where you put different types of assets. For example, is it better to have muni bonds in a taxable account and stocks in an IRA, or is it better to have stocks in a taxable account and non-muni bonds in an IRA? It turns out that, unless your stocks are actively managed and have lots of turnover, the latter has been demonstrated to be better -- to the tune of as much as two percentage points better after-tax performance per year for the portfolio as a whole!
b) The portfolio may be dramatically less diversified than you'd like. Lets say that in the portion of the portfolio that you allow the advisor to manage there are lots of small-cap stocks. If the advisor isn't aware of that, he may add to the portfolio's small cap stocks to such an extent as to cause your overall portfolio to have MUCH too much of a small-cap bias. He can't do a good job giving your overall portfolio good results if you don't let them.
c) Due to the existence of price-breaks, as discussed above (i.e., where the more money you have under management, the lower the marginal fee to manage them), splitting a portfolio between several advisors would result in your paying each of them too much.
d) Some folks like the idea of splitting their money across several advisors in the interest of having a more diversified portfolio. HOWEVER, the more advisors you split your money across, the more your resulting overall portfolio is likely to resemble the "market" portfolio. For example, if you take this to the extreme and split your money across a million different advisors, then your resulting overall portfolio would certainly be "the market". But if you wanted a market portfolio, you could have gotten it far more efficiently and less costly just by buying a market index fund.
6. "Someday someone will create a web service that has a few dozen sample portfolios that can fit just about any need."
As another respondent has already pointed out, FolioFN has offered this for a long time. However, I see no reason to use that when you could use (much better diversified) index funds and/or ETFs instead.
7. It just doesn't make sense to hire somebody to help you, but to not let them help you.
It is like hiring a doctor to only look after the health of your left arm. You may be concerned that they will drive up the price of care if you allowed them to minister to the rest of your body. But the fact is that you care about (or SHOULD care about) the health of your entire body. And if you only allow a physician access to your left arm, that physician will not be able to be as effective in helping your overall body stay healthy as they would if you allowed the physician to treat your whole body.
8. Ultimately, your post reflected a (quite justifiable) deep suspicion of the financial services industry. It is a sad thing that most folks are so unable to look after their own investments buy that most folks they might engage to try to help them would tend to make them even worse off. That said, it is NOT true that competent, ethical advisors don't exist. Sadly, they are just in the minority and are difficult to identify in advance. The only way that I can think of to minimize the chance of being taken advantage of by the financial services industry is simply to avoid any such providers who "sell" anything involving commissions -- those people are actually salespeople just masquerading as objective advisors.
Eric E. Haas
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Jul 11, 2009
"Part of the pitch for this financial service was that I would get to approve any adjustments to the portfolio they recommend."
While presented as an advantage for the customer, this is simply a device to shelter themselves against lawsuits down the road. This element of "the pitch" was proposed by a lawyer, not a marketing type.
"So suppose you give your financial advisor only half of your portfolio to manage, and then you duplicate whatever he does with the other half."
You could do that, and I suspect that many people do that. But the fact remains that it is an unethical thing to do.
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Jul 10, 2009
I like that you come up with an entertaining anecdote, and imagine your perfect scenario then drop a challenge to find it every time you want to ask for advice. It's a great example of psychology and free-market economics at work. We have something you need (not me specifically, I have no idea), you pay us for it with entertaining prose. But you do it in a way that makes the contributor feel like he's meeting your challenge, rather than just doing your googling for you.
I wonder how long you've been doing this. I imagine people started telling you "that already exists" first, then you co-opted the sytem to your own advantage. I also wonder if you have a sophisticated Bayesian filter system that cross-references posts with a database that has ratings for all the advice given by a particular pooster so that it can pull out the most popular and credible answers.
This is why I love reading your blog, you give me ideas...even if they're not the ones you intended, and I can't express them all that well.
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Jul 10, 2009
your fee is partly to cover transaction costs, and they are proportional to the amount invested. the logical structure would be to charge a fixed amount plus a (smaller) percentage of the total invested. i guess they choose the precentage structure to favour tiny investors because they want customers to sign up, even with a tiny amount to being with. also i think small money is "stickier" than big money so it is more valuable.
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Jul 9, 2009
You do know the true story about the monkey and the dartboard, do you?
Paying an expert to pick your stocks for you is like paying somebody to pick the right lottery-numbers. Wait, maybe there's money in that as well.
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Jul 9, 2009
1) The last thing anybody who knows how to make money on the stock market wants to do is manage somebody else's money. The power of compounding is so powerful that he will soon have too much of his own money to manage.
2) Portfolio management fees may only be 0.75% a year, but what about other costs like brokerage etc. Every time the fund manager switches in and out of a stock, the same institution will charge you brokerage, sometimes as much as 2% a trade. By churning your portfolio aggressively, the total earnings of the financial institution will be much more than 0.75%, regardless of how much you earn.
3) The reason they want you to approve any adjustments to the portfolio is probably because they want you to take part of the moral responsibility if they end up destroying your money. Maybe this way it ensures you cannot sue them later.
As you very well said, "The entire system depends on me being dumb enough."
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Jul 9, 2009
1 - I doubt it is a fixed percentage. I'm sure it is tiered. Try opening a $3,000 account and expecting to pay 0.75% ($22.50).
2 - At 0.75% per year, I assume there is more to the fee than just investment management. Advice on retirement, taxes, risk, estate planning, etc. is usually involved. For the most part, the more money someone has, the more complicated the situation becomes.
3 - Risk to the financial institution. The bigger the account, the more risk for a lawsuit and the bigger the possible judgment.
4 - There are many financial planners that will just charge a fixed annual fee.
5 - Hourly fees don't work because everyone underestimates how long something should take. That is true in every industry. People don't realize how long it takes to prepare a tax return, fix a car, build a house, etc.
I know Scott is always trying to "figure things out," but when it comes to investing, he's probably best off just sticking with appropriate index funds or ETFs and letting it be. If he has no faith in the financial industry, why is he wasting his time getting a proposal?
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Jul 9, 2009
Algonad, I wish I had a product to sell to you. You seem ok with paying more because you have more money.
Your comparison only works if the cartoonist or musician manages to charge each purchaser on a sliding scale based on the size of their bank account. I do not pay 10 times the price for my newspaper because I have a lot of money in my wallet, and last I checked an iTune still only cost me about a dollar, perhaps you are paying $10?
Even if you go with the fact that bigger portfolios are harder to manage, I doubt the X2 cost factor for a $100K portfolio versus a $200K portfolio is really warranted. Look for size based and capped fees.
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Jul 9, 2009
Some big-shot investment fund managers charge "1 and 1" - that is, 1% of the total portfolio, plus 1% of the return. Then they hand all the money over to Madoff. It works for about 10-15 years.
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Jul 9, 2009
www.folioinvesting.com seems to be along the lines of what you're looking for: "We revise and rebalance Ready-to-Go Folios periodically and we send you email alerts each time. You can act on these updates or not."
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Jul 9, 2009
Thanks for your post. It will hopefully provide enough incentive for me to get out of my relationship with Morgan,smith,citi,barney inc. that has been skimming too much from my paltry savings for 15 years. Psychologically, it is fascinating to observe my own anxiety about leaving my investment company (the devil you know), despite the fact that upheavals in the financial industry have changed my company's name 5 times in the last 8 years! As long as I keep getting statements in the mail, it almost feels like the same company. If only my company's default plan was a low cost (such as vanguard or fidelity), I would probably have saved thousands by now. That's why auto-withdrawal for savings is such a beautiful thing. It is hard to change it, so you spend less on other things.
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Jul 9, 2009
My father-in-law owns a small financial planning company (he is the only employee). From discussing his business with him, I think you are not entirely correct in your assumption that larger portfolios require the same time and effort to manage that smaller portfolios do. For example, when selling significantly large amounts (relative to the total size of the index/fund/stock/whatever), you can't just go in and do it all at once, if you want to get the most out of it. If you try that, the price will start dropping as you sell more and more, and before you know it you've sold at a much lower average price than you intended. Instead, you have to make a series of smaller sales over a larger period of time -- thus there is more time and effort involved.
Interestingly, I think my father-in-law's standard setup is a much better deal than the one you described being offered by this mystery "financial institution". In particular, he doesn't take his fee when his investments perform poorly -- if your investments with him don't beat the money market rate (at least I think that's the marker), he doesn't take his fee again until your investments have recovered back past where they would be if they had been invested in the money market that whole time. Plus, although I'm not positive about this, I think his fee is lower than .75% to begin with. Sounds to me like the offer you're getting is a pretty lame deal in comparison, even if I'm not 100% correct with the details. I'd give my email address and offer to put you in touch with him, but then I think I'd be in violation of the terms of use for my account on this site ("your activities ... will not: ... advertise or promote a product, service, ..."). Since my email address is attached to this account, I'll assume that if you're interested enough you can find a way to send me an email.
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Jul 9, 2009
I religiously follow your one page advice on financial investing. Investing in an index portfolio (through an ETF or index fund) consistently over a period of time gets rid of all risk except market risk which is always there.
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Jul 9, 2009
Umm, ShareBuilder anyone?
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NEW YORK, August 21, 2013 — Morsi is down. Mubarak is up. Welcome to the Middle East.
An hour from now it could go the other way. But as of the moment, Islamist and former president Mohamed Morsi is still in jail. Meanwhile, non-Islamist and former president/strongman Hosni Mubarak is being released from jail. This is welcome news to those who believe that in some cases there is no choice.
Some nations need to be ruled by an iron fist.
Mubarak ruled just like that and he did in fact keep order.
He did it by using the army to crack heads when it got to be tribe against tribe and especially when radical Muslims stopped whispering and got too loud.
Then came the "Arab Spring." Mubarak was deposed and arrested and on came Morsi through what many believe to have been a rigged election. Morsi, as president, was a nightmare. But if you were an Islamic terrorist, Morsi was your man. This led to an "Arab Spring" in reverse, which is where we find ourselves today.
We find the Egyptian army cracking down on Islamic terrorists and taking no prisoners. They have been cleaning house to near Biblical proportions.
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The Egyptian army is doing the work Americans don't want to do…and which Israel is reluctant to do.
In fact, from John Kerry onwards, in an act of true madness, Israel is being asked to release the same jihadists that have been thorns underfoot for decades and centuries. Israel has already released 26 of these murderers with more to come straight into the welcoming arms of Hamas and Fatah. This is crazy.
Some know it from history and some know it from remembering, that until the 1979 Camp David Peace Treaty, signed between Anwar Sadat and Menachem Begin, Egypt was constantly at war against Israel, America's closest, most reliable and most powerful ally. Our Middle East assets were at constant risk.
The Egyptian army was to be feared. Under the rulership of Gamel Abdel Nasser, Israel faced the Biblical Pharaoh who "knew not Joseph," and who forced the Israelites into slavery. Nasser went to bed and awoke dreaming his dream of driving Israel into the sea. He started the 1967 war. This cost him the Sinai, just for starters.
Abiding the Camp David Accords, Israel gave up the Sinai. But both sides agreed that a non-United Nations neutral force would keep the peace.
Or as Lawrence of Arabia had it, he liked the desert "because it is clean."
Egypt was to do everything in its power to prevent war and chaos, keep it clean…and this is where we find ourselves today, even at this moment.
The Egyptian army is fighting against rogue elements in the Sinai that are threatening both Egypt and Israel. Israel is watching this carefully. This is normally the fight Israel has on its hands from Hamas and other terrorists, but it is a fight being waged by the Egyptian army, themselves mostly Muslims, but against Muslims that have become radicalized and murderous.
In other words, Egypt and Israel are up against a common enemy. They are on the same side. Who said this can never happen? (I did.)
The Hebrew Bible is clear about Egypt as a foe. Jacob said, "Bury me not in Egypt."
However, there is this too, and coincidentally it comes from a portion of the Torah, specially the Book of Deuteronomy, that was read only last week: "You shall not abhor an Edomite, for he is your brother; you shall not abhor an Egyptian, for you were sojourners in his land."
Sojourners together, for the moment.
New from Jack Engelhard, the novel: Compulsive
Jack Engelhard, a novelist for such moral dilemma bestsellers as The Bathsheba Deadline, The Girls of Cincinnati, and the classic Indecent Proposal, his memoir Escape From Mount Moriah, and Slot Attendant – A Novel About A Novelist, Engelhard's partly autobiographical expose about the trials of making it as a writer, brings his words to the Communities page covering all topics, with special focus on the absurdity of human behavior and reaches around the globe.
Read more Jack Engelhard, A Novelist's View of the World
This article is the copyrighted property of the writer and Communities @ WashingtonTimes.com. Written permission must be obtained before reprint in online or print media. REPRINTING TWTC CONTENT WITHOUT PERMISSION AND/OR PAYMENT IS THEFT AND PUNISHABLE BY LAW.

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By Kristine J. Rea
Cordell & Cordell Divorce Lawyer
Dealing with your ex-wife's new boyfriend or husband is difficult enough, but what if you want to completely cut off communication with your ex's significant other?
Divorced dads often ask Cordell & Cordell divorce lawyers if their ex-wife is allowed to have her boyfriend or husband contact them to arrange custody exchanges or discuss other details of the children's lives. Sometimes these exchanges can be testy and confrontational.
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Child custody orders typically do not address contact with a third party unless the parties agree to the terms and want it placed in the order.
Family courts rarely have the ability to instruct a third party to act or not act a certain way; it is only the two parents who the court has jurisdiction over.
While the court most likely will not be able to order your ex's boyfriend to do or not do something, a judge can order your ex-wife to not allow contact between him and the children.
However, this is only used in situations where the boyfriend's behavior has an adverse impact on the children. A judge won't prevent him from being around your children solely because you don't like him; there has to be a threat to the well-being of your children.
Child Custody Laws:Protecting Children From Ex's Boyfriend
If you feel that the boyfriend's communications with you are harassing or threatening you then you are allowed to file for a protective order.
Where I practice, for behavior to be considered harassment it must be a continued course of conduct that goes unabated after providing notice to stop.
So a random text message making fun of you, though it may be inappropriate in content, would most likely not be considered harassment.
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While both are clearly wrong, only the threat of bodily harm is usually covered by a protective order.
It is strongly advised to identify a mens divorce lawyer in your state to discuss standards for custody modification and whether based on the facts and circumstances of your case, your ex-wife's boyfriend's actions rise to the level that would trigger a modification or order of protection.
Cordell & Cordell has men's divorce lawyers located nationwide. To schedule an appointment with a divorce attorney, including Maryland Divorce Lawyer Kristine J. Rea, please contact Cordell & Cordell.


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AMD won't have much K10 parts for desktops, at least not in 2007. The initial batch
of Barcelona K10 parts will be reserved exclusively for servers and at a later date some
parts will be released as the Athlon FX socket 1207 parts. This is expected in Q3 2007.
Unfortunately you can expect only a few AM2+ based desktop parts this year and this will happen in Q4 and not before. The real volume production of desktop K10's is scheduled for early next year so it is not that they will be widely available for the pre-Xmas shopping spree.
The good news is that K10 at 2.5 GHz makes Intel's 3GHz run for its money, just as Core 2 Duo makes K8 runs for its.


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Global TranporTech
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All Transportech employees, students and visitors who are not in a business purpose.
01. Information
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Admission will be allowed 30 minutes prior to Exhibition closing time (17:00).
Admission Fee : 3,000 won
All visitors will have free admission when register online
02. Admission Procedures
If you pre-register online, you will not need a separate procedure for admission.


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I had a beautiful day with Miguel yesterday. I hadn't seen him for a few days and when he came to the door, it had felt like forever. I was so clingy. He didn't mind. I just wanted to hug and kiss him, so I did. Neither of us were mad or upset about anything. We did some running around. He picked up "The Jungle" and "A Clockwork Orange". At Best Buy, I bought a cd by Interpol. We saw the new Tomb Raider movie. I love Angelina Jolie. I'm going to marry her, for real. If I don't marry her, she can adopt me. I love her. I love her. Heh.
|© 2002-2008. Blurty Journal. All rights reserved.


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The U.S. Supreme Court has upheld Obama's health care law. Here's a look at what was up for debate.
This gateway issue could stop the case in its tracks if justices declare the health care law's key provision -- the mandate requiring Americans to purchase health insurance -- a "tax."


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The New Rich Texture of Print
Fabric Affords New Creative Opportunities for Customers and New Revenue Opportunities for Print Suppliers
If you asked me about this market six months ago, I might have said that I didn�t have much to talk about. Now, it�s a market with a whole lot of interest," suggests Patti Williams, consulting partner, I.T. Strategies.
In fact, Williams finds herself talking about the subject of digital textile printing a lot, having invested the better part of a year studying the market. She�s passionate about what she�s discovered along the way. Printing to fabric, in particular, may be the next huge opportunity for digital print suppliers.
Stretching the InvestmentThere is a plethora of digital print solutions available today that are promoted as fabric friendly. Among them are a handful of wide format systems designed to meet the specific needs of the textile market.
EFI, for example, manufactures the VUTEk FabriVu 3360, a dye-sub printer that can be used to produce a range of fabric applications through the transfer process, and can even print directly onto some substrates, such as flag material and poplin.
The DuPont Artistri 2020 was also designed for textile applications ranging from apparel and home furnishings to soft signage and trade show displays. The roll-to-roll solution can print up to 71 inches wide, even on challenging fabrics, such as knits and woven materials.
Mimaki USA just introduced the Tx3-1600, an inkjet plotter designed specifically for textile applications. The manufacturer says this solution is particularly adept at printing to stretchable fabrics.
Gandinnovations engineered its Jeti 3312/3318 DS printer to be compatible with fabrics that have at least 50 percent polyester content.
And while other manufacturers don�t have solutions dedicated exclusively to fabric applications, many are adaptable enough to accommodate fabric jobs that may come through the door.
For example, the NUR Tempo II offers an eight-color configuration that accommodates both rigid and flexible substrates, including mesh, banner material, canvas, and cotton fabrics.
"Now, there are new machines on the market that are direct-to-fabric dye-sub machines that take away the need for transfer paper. So, that�s one fewer step in the process. We�re seeing an increase in productivity as a result," Williams suggests. Leggett & Platt Digital Technologies, for example, has the VIRTU TX, a hybrid (roll-to-roll and flatbed) solution capable of printing directly to uncoated textiles.
The types of applications customers request should drive the decision on which printer to choose, suggests Williams. "You have to look at the types of fabrics your customers are demanding. Certain fabrics require certain types of inks. And, if you�re printing on one type of fabric and need to switch to another for the next job, it�s not often that easy to purge your machine and change the inks," she explains. "I think what you�ll start seeing�as businesses are built up�is that a lot of printers may want to buy more than one machine, to accommodate an even wider range of fabrics."
Throughput is the name of the game when choosing a digital print solution, according to Ziki Kuly, director of marketing for Hewlett-Packard�s digital inkjet business.
"When you�re talking about fabrics, you�re talking about a labor-intensive process. You have to print on paper, then transfer it to the fabric using a hot-press machine. Those steps take time and money, obviously. And of course, you need a dedicated piece of equipment for both steps�a printer to apply the dye-sub inks to paper, and another machine for transferring the image to the fabric," Kuly says.
But for the average digital print supplier, the market may not support the investment in a dedicated printer for fabric-based jobs, in addition to the other digital print engines it may be using for traditional vinyl and paper jobs.
"So, we came up with a solution�a dual machine, the XL 1500�which can switch between solvent inks and dye-sub. In 30 minutes, you can switch from one to the other, and you don�t have to invest another $200,000 or more on a dedicated dye-sub solution," Kuly explains.
David Siegel, president of Portland, ME-based Portland Color, says, depending on the width of the job, two digital solutions enable his company to produce a growing number of fabric jobs�the HP XL 1500 and a DuPont Artistri.
Portland Color got into fabric simply by following the market trends. The company started out supplying presentation graphics for corporate meetings and other events, but in the mid-90s, began to make strategic investments in wide format printers and scanning equipment, according to Siegel. By the new millennium, it had brought in Oc� LightJet printers and acquired a local photo lab, Portland Photographics.
"We had an employee base that was full of photo knowledge and print experience," Siegel explains. "And we were able to capture a pretty wide market�from artists to retail to trade show work. It ran the gamut."
The company was soon faced with, "a market that was getting much more competitive," Siegel adds. "There were lots of companies doing large format printing using the LightJet. It had become a commodity buy at that point. So, we had to make a decision about what technologies to test, moving forward. Through some talks with business partners and vendors, and lots of internal discussion, we decided that fabric was the direction we�d go."
The Fabric AestheticDigital printers are already staples at shops producing large format print. Now, they�re beginning to marry the equipment with fabrics for everything from signage to fine art reproductions, and from murals to automobile covers. Trade show graphics are also an emerging application, for fabrics are less fragile and more portable than their rigid alternatives.
And by fabric, we�re not just talking about your standard run-of-the-mill canvases, although that�s certainly a popular option, but flag material, polyesters, cottons, nylon, silk, and others. "Items such as open-weave flag, water-resistant transfer fabric, and heavy tent and awning are some of our [customers�] more popular selections," according to Cory Brock, media relations, Gandinnovations.
The gamut of fabrics available for digital printing applications is wide. Natural-fiber and synthetics come in a rainbow that comprises everything from canvas to knits, and from silks to satins. There are even specialty fabrics, such as Fisher Textiles� Gaming Suede for gaming tables and Crazy 8 Billiard Cloth, a polyester suede that has a stain-resistant and anti-friction coating.
Neschen Americas offers the SEAL Inkjet Textiles line of media that includes a polyester-based fabric with a surface coating that enables the fabric to be used with dye-, pigment- or oil-based inks�an important consideration for a company running a variety of print systems.
For the customer, fabric offers a certain richness, a way to stand out in a sea of vinyl. "If everyone else has a vinyl sign, and you have a fabric sign, yours is differentiated; people will look at it. And there are some applications, like cosmetics, where they�ll demand something more upscale. You�ll never find a vinyl sign in a cosmetic department," Patti Williams remarks.
For print suppliers preparing to offer fabric work, knowing the ins and outs of the medium is critical, suggests Bill Smith, sales and marketing manager for Framingham, MA-based ICL Imaging. Before the company ventured into the softer side of large format printing, it held a crash course on fabrics for the sales and production teams.
"We were taught the different properties of woven fabrics and knit fabrics, for example," Smith recalls. "And we learned important tricks of the trade�like, when you have a bias, the fabric will stretch more one way than the other, while knits tend to stretch in both directions. This was all new terminology for us."
Beyond the fabrics that may be best compatible with solvent-based printers versus dye-sub machines, for example, the printer and customer have to consider other variables. Where will the print be displayed? Is it an indoor or outdoor installation? Does it need to adhere to any particular fire-safety regulations? Will it be traveling, and thus, need to be lightweight, durable, and resilient?
Choosing the right fabric for the print job requires some fundamental understanding of both its molecular structure�what it�s made of and how it will behave with print�and its aesthetic value.
Think of the fabric substrate as not just a structural component of the print job; it�s a critical part of the design, as well. A cotton twill fabric will have a different aesthetic connotation than something printed on silk, for example. For more delicate, elegant indoor applications, the print supplier may recommend a solution like Fisher Textile�s Venice Satin, L&P Digital�s VirtuSatin, or a silk from DigiFab Systems.
Or perhaps the job calls for a more ethereal choice, in which case Drop Screen from Dazian Fabrics may be more appropriate; it�s said to have a rice-paper-like quality. Dazian has other exotic offerings as well, like Venetian Velvet, a medium-weight, rich velvet. For a fine art reproduction or mural, one might consider a poly/cotton blend canvas from InteliCoat Technologies. The choices are endless, limited only to the creative imagination.
Learning the New Fabric LanguageOne of the first large fabric jobs ICL Imaging produced was for Wellesley College, Bill Smith recalls. It was a photography study produced by one of the college�s museums.
"It was intended to be a traveling exhibit that would premiere on campus and then go around to other installations around the country," he explains.
"People in China had been given some disposable cameras, and they were encouraged to take photos depicting the average Chinese woman�s life�what work was like, what family life was like," he continues. "All of the cameras were then collected and brought back here to the U.S., where the images were developed, edited, and selected for the exhibit. They wanted to have the photos displayed on silk, so we tested a number of substrates and finally found one that worked just perfectly."
For ICL Imaging, offering fabric alternatives to their customers proved trickier than expected. It wasn�t simply a matter of just buying fabric instead of vinyl and other substrates, running it through a printer, and off the job goes. Doing fabric right meant some very careful planning and investment.
"The market, for us, started with the exhibit companies that were trying to come up with things that were a little different for their clients," Smith recalls. "They were looking for lighter-weight alternatives, so they could ship to shows easier. And the designers of these pieces really liked to experiment with new materials, because it gave them a way to help distinguish their clients from all the others on a show floor."
ICL uses two primary printing systems for fabric jobs�a 16-foot VUTEk from EFI, and a new 104-inch Roland SolJet Pro V SJ 1045. Choosing the best-of-breed technologies was the foundation for ICL�s evolving business model, but the investment didn�t end there.
"You need to do a lot of testing when you�re using fabrics," Smith explains. "When you print to a transfer paper, that image is going to look completely different after it�s transferred. The colors aren�t true; they�ll seem a little flat on the transfer stock, and of course, the image is in reverse. So, how do you color correct under those conditions?"
ICL Imaging purchased a smaller-format flatbed press�a 16x20 Knight K20S�that allowed the printer to perform more economical tests. "We�re able to print with it and tweak the colors faster, and not waste as much material," Smith explains.
The printer also spent time building custom color profiles specific to each print engine technology and each type of fabric.
Once the ink dries, the job is far from over. Some fabric applications�jobs like event tents, for example�will require time and expertise to assemble, too. Often times, individual pieces of print must be stitched together, and occasionally, there may be cross-over graphics, which require registration to be dead-on.
And finally, ICL Imaging had to build a new stitching and finishing team for fabric jobs. "We had to learn a lot, and quickly, about sewing," Smith suggests. "For example, how do you make a pole pocket? How do you measure for a pocket? What is a hem? What is a seam? These were very new terms for us."
The printer may have easily partnered with a local supplier to manage finishing of these complex projects, but after careful analysis, decided it was best to do it all in-house. "If you have to send a job out to be stitched, you can�t control it. You�re at the mercy of someone else�s schedule," Smith cautions. "So, having the ability to do it all in-house is something that�s really good to have, but often, very difficult to achieve."
The Future of FabricPatti Williams and I.T. Strategies have some predictions about where the market will trend in the coming years. Soft signage will continue to be in high demand, Williams suggests, but that will lead to a much more competitive environment for the print-for-pay shops, and it will be difficult to stand out among the masses. For those daring big print suppliers who want a jump on the competition, they might consider decorative print services.
The decorative category includes everything from wall coverings to upholstery, and from window treatments to bedding. These can be home furnishings, but may also be strategically placed print ads.
This is already starting to happen, Williams confides. I.T. Strategies polled more than 700 print-for-pay shops, who were asked what "top two applications" they were focused on right now. "Five percent said decorative printing," she notes. "That�s remarkable!"
Sep2006, Digital Output


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Dumb Beckys rule the world…
Watch as this husband embarrasses his poor, stupid wife who has no clue what miles per hour are and can't calculate how long it'll take them to make it to their destination. The husband is kind of a jerk for posting this video and we're sure they're having some serious marital issues right now.
More On Bossip!
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Girls Gone Wild: The 10 Skankiest Spring Break Spots


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Your IP interconnection site in the North of the UK
About Us
IXLeeds, is a neutral not-for-profit Internet Exchange Point (IXP) based in Leeds (United Kingdom).
We provide a Layer-2 platform to connect and share IP traffic using BGP-4.
Come and meet the board!
The peering point is the result of many years of collaborative work by many organisations. It grew out of a working group set up in 2008 to promote collaboration between operators in Yorkshire.
IXLeeds was launched in September 2010 in order to allow public peering in the North of the UK. It aims to help its members increase their network resilience and reduce overall traffic backhaul costs toward London.
You can follow our community on the following social networking sites:


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You must log in to access this feature. Sign in with Twellow or Facebook to get started.
By signing in to Twellow, you indicate your agreement to our terms of service.
Simply connect with Facebook and kiss those password blues away,
or go here to reset your password.
CEFNetwork is brought to you by Pristine Advisers LLC. As a means of connecting closed-end funds to the investment community â this portal is designed as both an educational tool as well as a marketing tool for our clients. Pristine Advisers has been working with closed end funds for over two decades. We have relationships with the key players in the industry (analysts, brokers, media, shareholders) and believe to date, there has been a gap in the bridge connecting closed end funds to these key players. It is our goal to bring these paths together as well as educate the investment community on the benefits of closed end funds. Closed-end funds are often confused with, and mistakenly called, mutual funds. A major difference is that closed-end funds behave more like a stock -- the market value is driven by supply and demand for the shares. On the other hand, an open-end mutual fund continually issues new shares to investors and does not trade on an exchange. Perhaps the best way to understand a closed-end fund is to compare it with an open-end mutual fund. A diversified portfolio of stocks, bonds, or a combination of the two Professionally managed by an investment advisor Either actively or passively managed Required to distribute capital gains and dividends to shareholders Regulated by the U.S. Securities and Exchange Commission Closed end funds are: Are traded on a stock exchange (NSYE) or over-the-counter (NASDAQ) Are bought and sold at market price versus the underlying securitiesââ¬â¢ value Are valued based on supply and demand for the fund Can be purchased and sold throughout the trading day Use leverage (borrow cash to invest in more assets) to enhance their returns CEO Investor Entrepreneur Marketer Company Enterprise http://www.cefnetwork.com teamfollowback ifollowback autofollowback followback follow back


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Texas Politics
Blogging politics, elections and the Capitol with the Austin bureau
Posts filtered on Tag
Will Texas lose federal bacon as Cruz replaces Hutchison?
Texas' new U.S. senator-elect, Ted Cruz, has repeatedly taken a cautious approach when asked about how he'll fill Kay Bailey Hutchison's shoes when it comes to Texas' share of federal funding. Cruz said while campaigning that he'll work to see Texas gets a fair portion of "legitimate and important" federal spending but added, "I have […] [Read More]


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Very nice especially for the price. It is solid and looks great. Very large so pay attention to the measurements. It is not intended for a small bedroom.
We love this bed. The site appropriately sets the expectations that it could take weeks to get it because it is oversized, but we got ours in a week. Took a little time to set up (probably 30 minutes if my husband hadn't tried to do it himself first), but it is sturdy and beautiful. We've shown it off and gotten quite a few compliments on it. Small pieces of feedback on it: the rails don't match up exactly with the molding on the head and footboard, but we are the only ones who would look closely enough to notice that; for the slats that go under the mattress, the holes in the slats were pre-made, but the ones into the bed frame were not. They were easy enough to screw in, but would have been good to have them marked to ensure you get a 90-degree fit at all angles. Finally, I had asked customer service if a standard box spring would work, and it does, but it does show on the side of the bed. We are simply going to put a fitted sheet over it so it will match what our mattress looks like, but you might prefer a slimmer box spring.
A really beautiful bed. Assembly was very easy. I had an issue with it in shipping bit it was promptly resolved. Overstock truly lives up to their promise of great customer service. The people I was in contact with were always very helpful and super courteous. I will definitely go back shopping at Overstock. It. Was a pleasure yo work with them.
Came packaged very well and very good quality and ease of assembly .
We purchased this bed frame for our master bedroom about a month ago. It arrived in well packaged boxes. My husband and I spent less than an hour to put it together. We absolutely love this bed and will definitely recommend purchasing furniture on overstock.com.
Usually leaves our warehouse in 1-2 business days. *
Delivered by freight carrier. See Oversized Item Delivery Policy.
Upon delivery, if you notice any damage or defects, you must note them on the shipping receipt and refuse delivery. Notify Overstock.com immediately in the unlikely event of damage. More details
This item cannot be shipped to Alaska or Hawaii.
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* For your protection, all orders are screened for security purposes. If your order is selected for review, our Loss Prevention Team may contact you by phone or email. There may be a two business day delay to process your order.
** Most Oversize orders are delivered within 1-4 weeks. Some orders may take 6 weeks to be delivered.


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Lazarus 1.2.6
Lazarus comes with a wide variety of components that you can use in your development and a graphical form designer, which can help you shape complex and well-designed graphical user interfaces.
API independent
The best thing about Lazarus is that you can write your code and link it against the desired API widget set. Hence, you can use GTK+, Gnome or any other existing widget set as long as its interface code is available. What is more, if you want to use a widget set and its interface code is not available, you can try to write it on your own.
By using Lazarus, you can create your own commercial or open source applications. By using the available tools and features, you can create and design image viewers, graphic editors, file browsers, database or 3D apps, games, scientific apps or any type of cross-platform application you want.
Delphi code supported
Lazarus allows you to use existing standard Delphi pascal if it uses the standard components found in Delphi. However, if you made use of specific database like DCU or OCX you will not be able to use your code since these items are specific to a certain platform.
User-friendly interface
From Lazarus' main window you can easily create a new unit or form, save your project and export it as HTML. The Search menu helps you find the code block start or end, locate identifier references and even rename the identifier.
You can hide or show the Object Inspector, units, forms, watches, BreakPoints, local variables, call stack, assembler and event log by using the pre-defined hotkeys or opening the View menu. In addition, you can run, build, compile and debug your app with just a few mouse clicks.
Reviewed by George Popescu, last updated on October 15th, 2014
- file size:
- price:
- license type:
- developed by:
- Mattias Gaertner
- operating system(s):
- Mac OS X 10.5 or later
- binary format:
- Universal Binary
- category:
- Home \ Developer Tools
In a hurry? Add it to your Download Basket!
- r44869 - LCL - TCustomGrid: fixed range check error when scrolling editor control
- r44775 - LCL - Grids, redraw grid on changing TitleFont where there are no Custom Columns, Issue #25878
- r44803 - LCL - fix (grid's) cell hot-tracking regression
- r44812 - LCL - implementation of TCoolBar Issue #25026
Application descriptionThe Lazarus IDE is an easy to use, stable, feature rich visual programming environment for the FreePascal Compiler. La...


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Estate and letting agents in Swansea
Can't find agent? | Report an error
- List view
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1 - 25 of 57 results
Featured agents
1 Stop Letting Shop
76 Mansel Street, Swansea, SA1 5TW
1 stop letting shop was established in 2002 by Roberta Walters and Kimberley Richards, along ... more
Abbey Residential Agents
Princess House Princess Way, Swansea, SA1 3LW
Abbey Residential Agents is a fresh forward thinking independent estate agency covering the ... more
Clee Tompkinson Francis - Morriston
111 Clase Road, Morriston, SA6 8DY
The Partnership was formed in 1972 and we now operate from 14 offices across South Wales and are ... more
Clee Tompkinson Francis - Pontardawe
1 Tawe Terrace, Pontardawe, SA8 4HA
Clee Tompkinson Francis - Swansea
19 Walter Road, SA1 5NQ
Clee Tompkinson Francis Estate and Lettings agents, property auctions, surveys, cover six ... more
Clee Tompkinson Francis - Ystradgynlais
22 Heol Eglwys, Ystradgynlais, Swansea, SA9 1EY
139 Woodfield Street Morriston, SA6 8AL
Formed in 1991, Dawsons is Swansea's largest Independent Estate Agent. In Morriston, Dawsons are ... more
Unit A, Meridian Bay, Trawler Road, SA1 1PG
77 Newton Road, Mumbles, Swansea, SA3 4BN
Dawsons opened its doors in 1991 and we have been successful in creating an experienced team ... more
Fresh Estate and Letting Agents
48 Uplands Crescent West Uplands, SA2 0PG
Fresh Estate & Letting was formed by company directors Matthew Wiggall and Dean Brain and opened ... more
Liberty Properties
85 Neath Road, Swansea, SA1 2HW
Marina Quay Properties
Units 4&6 Abernethy Square Marina, Swansea, SA1 1UH
PB Property Sales & Lettings Ltd
23 Gower Road, Sketty, Swansea, SA2 9BX - We also cover SA1
Are you looking to sell, let or buy a residential property? Need advice on how to rent? Thinking ... more
Peter Alan - Gorseinon
14 West Street, Gorseinon, Swansea, SA4 4AA - We also cover SA14 and SA5
Peter Alan - Morriston
25 Woodfield Street, Morriston, Swansea, SA6 8AB - We also cover SA7 and SA8
Peter Alan - Swansea
17 Dillwyn Street, Swansea, SA1 4AQ - We also cover SA2 and SA5
Simpsons Estate Agents
The Precinct Killay, Killay, Swansea, SA2 7BA
Our Killay office is situated in the very busy and lively Killay Shopping Precinct, a superb ... more
Simpsons Estate Agents
68 Newton Road, Mumbles, Swansea, SA3 4BE
Our Mumbles office is located in the heart of the busy commercial part of Mumbles on Newton ... more
Simpsons Estate Agents
45 Gower Road, Sketty, Swansea, SA2 9BX
Our Sketty office is in a very prominent location on "The Cross" and is headed up by Manageress ... more
Smiths Sales & Lettings
Unit 2, National Waterfront Museum Maritime Quarter, Swansea, SA1 3RD
Swansea Property Agents
35 Mansel Street, Swansea, SA1 5SN
Swansea Property Agents are an independent estate and letting agency covering Swansea and the ... more
Threshold Property Management
135-136 Walter Road, Swansea, SA1 5RG
Astley - Morriston
14 Woodfield Street, Morriston, Swansea, SA6 8AQ
Astleys is one of South West Wales' leading firms of Chartered Surveyors, Auctioneers and Estate ... more
21 Walter Road, Swansea, SA1 5NQ
Astleys - Killay
448 Gower Road, Killay, Swansea, SA2 7AL


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The Office of International Affairs is led by Under Secretary Lael Brainard, who serves as the principal policy advisor to the Secretary and Deputy Secretary on international economic matters. In this position, Under Secretary Brainard advances the Administration's agenda of strengthening U.S. leadership in the global economy to foster growth, create economic opportunities for Americans, and address transnational economic challenges, including development and climate change.
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Lael Brainard, Under Secretary for International AffairsCharles Collyns, Assistant Secretary for International Finance Marisa Lago, Assistant Secretary for International Markets and Development
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I may seem crazy ... but I am kinda gla I got caught. No, not because of all the misery right then, but all the misery it saved me in the long run!!! Cuz if I would have gotten high I would have just been recoverin from my sickness today! Sorry if I scared any of you ... I was just REALLY angry! But my mom and dad have understud my addicted situation ... I am not TOTALLY off the hook, but mostly off!
I went to CMA with my mom last night, it was actually pretty fun! Mom and I were laughing and making jokes. She told me how this guy came into the meeting and he had spurs on his shoes and all my mom could think of in her head is that song "I've Got Spurs That Gingle Jangle Jangle ..." ha ha ha she is just as crazy as me! And once again I was the youngest one in the meeting!
I have been working out lately ... and I got my endorphines going! I feel great! Yeah there is another part to that story! But I don't feel like confessing right now!
Ashley... I listen to Rap too! Don't feel bad! I felt like a dork that one time you found my Missy Eliot cd ... eeek! Ok enough of that I am already bad enough without all that! HEE HEE HEE!
Yeah so that's all for today!
P.S Thank all of you for supporting me in not commiting suiside ... I am an ass!
|© 2002-2008. Blurty Journal. All rights reserved.


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Originally published November 16, 2013 at 6:05 PM | Page modified November 16, 2013 at 9:25 PM
'Squeeze play' on Machinists is reality elites failed to feel
Business and political leaders were complicit in disrespecting workers in Boeing deal. That's why it failed.
Seattle Times staff columnist
There was a revealing moment the other night, after the resounding "no" vote from Boeing's Machinists, when Gov. Jay Inslee was asked if he respected the decision they'd made.
"I respect reality," he said. "And the reality is we could have won tonight. Some folks made a vote, about two to one, where that vote did not come out the way that would allow us to win. That's a reality."
Who is this "us"? Because the people who build the planes didn't feel it included them.
I'm not trying to be overly flip here. This answer from Inslee — his implication that he didn't respect the workers for their decision — goes a long way to explaining why the rank-and-file Machinists were so put off by this entire exercise that it ended in a debacle.
After the vote I talked to or corresponded with a dozen Machinists. As might be expected, they hold widely varying opinions on the contract they were just offered (some thought it OK, some hated it), on Boeing (some love the place, some don't trust it) and on politics (most vote Democrat, a few said they're more conservative or don't care).
All were exasperated at their dysfunctional union leadership, for "setting us up to fail," as one said. And they were left feeling "disrespected" — not so much by Boeing as, surprisingly, Inslee, Sen. Patty Murray and the rest of the political class in the state.
"I never thought I'd see Jay Inslee and Patty Murray involved in a squeeze play on the middle class," said one.
"It was like being kneecapped by someone you thought was your friend," said another.
"I don't know if they meant to, but they hung us out to dry," said a third.
Notice I said above that this is how some Machinists "feel." Feelings aren't facts. Inslee and Murray have equally strong feelings that they were trying to secure jobs and economic growth for their state. Plus they may have been as misled by union leadership as the union was.
But here's how this past week seemed choreographed to many Machinists:
Boeing, you get $9 billion. Politicians, you get a "big win" to hail at news conferences. And workers, you get to cancel your pensions.
Last Sunday I noted how the head of Boeing, Jim McNerney, is set to draw a pension that pays a quarter-million dollars per month. Gov. Inslee, Sen. Murray and the rest of the public officials extolling this deal also have nice, safe pensions. That's fine, but they ought to know how grating it sounds when this same elite class finds it imperative that workers — and only the workers — should unwind their retirement security.
"I know change can be hard," Boeing commercial jet president Ray Conner sympathized.
Especially when only one party to a deal is being asked to change!
People say the Machinists are blind to how good they have it. Probably so. But be honest: If your boss said to you, "Hey we're making record profits, and paying ourselves phantasmagorical amounts, but to remain a going concern we must cut your retirement," how would you react?
I would at least expect an explanation — a primer, say, on the forward-cost calculations of jetliner development. A number of Machinists told me they'd take a hit to their pensions if there was some sense of shared sacrifice from above.
Instead, what they got was: Take this, now, or we're outta here. All cheered on, implicitly, by Inslee, Murray and the other lifetime pensioners we have in public office.
In the elite class' defense, workers usually do cave. There's long been resignation about the race to the bottom.
But who knows, maybe the winds are shifting. In the past week the Boeing Machinists said "no," SeaTac voters appeared to be raising their minimum wage to $15 an hour and Seattle elected its first socialist to the City Council, apparently ever.
We could still win this airplane. But it feels like business and political leaders, rather than lecturing about their version of reality, might acknowledge there's a new one emerging, clamoring for some respect of its own.
Danny Westneat's column appears Wednesday and Sunday. Reach him at 206-464-2086 or firstname.lastname@example.com
About Danny Westneat
Danny Westneat takes an opinionated look at the Puget Sound region's news, people and politics. Send tips or comments to firstname.lastname@example.com. His column runs Wednesday and Sunday.
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I needed John to handle some work related issues for me but apparently, he needed to get his flatulence in order first.
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text: we watched this movie six months ago, and have watched it about 10 times now and learn something new every time. it's an amazing film, but it leaves unanswered questions which we are still thinking about now. we've watched: shrooms the amytiville horror all five saw films the sixth sense wolf creek texas chainsaw massacre the mist 28 weeks later 30 days of night halloween the hills have eyes 1/2 the exorcist and lots more. we are only 15 but the orphange is one of our favoutires and the only one that kept us on the edge of our seats. it's far better than 'the others' and the acting is great. people who say this is a rubbish movie obviously can't handle a mind twisting film. also, this film has helped us with our gcse spanish. une, dos, tres toco la pare!! haha. we recommend it (es laura!) 10/10. love from holsy and bexy :) xxxx


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shrimp with Garlic Sauce
Large shrimp stir-fried with exotic vegetables in chili sauce with garlic flavor.
Happy Family
A comb. A large shrimp, scallop, beef & chicken with assorted fresh vegetables, stir-fried in delicious garlic-ginger brown sauce.
Cashew Shrimp
Marinated large shrimp stir-fried w/vegetables topped w/cashew nuts.
Snow Pea Shrimp
Large fresh shrimp, special marinated, stir-fried with fresh snow peas in light white sauce.
Shrimp with Lobster Sauce
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Peppery Prawns & Scallops
Large shrimp and sea scallops sauteed in ginger, tomato sauce. Very appetizing !
Honey Crisp Walnut Shrimp
Deep fried large shrimp with home-made dressing.


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Accession No.: 1995.16
Donors: Ruth and Vivian Weinstein
Description: Two grabbers, made of wood and metal, each stand 50" tall.
In the 1960s, Ruth and Vivian Weinstein took over Harry's Market, their parents' cornerstore in Mount Rainer, Maryland. They were among the few women who owned and ran a "mom and pop" store. Traditionally, women helped their husbands and fathers wait on customers and keep the shop's books. Rarely were they sole proprietors or shop managers.
Vivian and Ruth's parents, Leah and Harry Weinstein, had opened Harry's Market in 1924. They were among the hundreds of Jewish immigrants who opened "mom and pop" grocery stores in all four quadrants of Washington, D.C. as well as the Maryland and Virginia suburbs.
Receipt books from Harry's Meat Market, early 1930s. Each book tracks the account of one customer or household. JHSGW Collections. Gift of Ruth and Vivian Weinstein.
The grocery business was popular with immigrants because it required little start-up capital and minimal knowledge of English. In fact, many grocers learned English by reading can labels in their stores.
These Jewish merchants lived above or behind the shop and ran out to assist customers who rang the bell. Sidney Hais remembered, "In those days, you waited on each individual customer. There was no such thing as self-service… It was exhausting." Grabbers such as the ones pictured here were used to reach cans and other items from high shelves.
The Weinsteins were part of District Grocery Stores (DGS), which provided cooperative buying power and a means to fight discrimination from non-Jewish wholesalers. Explained by Jenna Weissman Joselit in The Forward, "At once indispensable and taken for granted, the grocery store owner sought out the company of other grocers. Banding together, they formed trade associations that not only expanded their purchasing power, but also provided opportunities for socializing and for exchanging ideas."
Weinstein sisters, Vivian and Ruth, in front of their store, mid-1990s. JHSGW Collections. Gift of Ruth and Vivian Weinstein.
The era of mom-and-pop grocery stores started declining with the end of Prohibition in 1933, the movement of population from the city to the suburbs in the late 1940s and 1950s and the introduction of self-service supermarkets. Harry's Meat Market was one of the last Jewish-owned mom-and-pop grocery stores in the Washington area. The Weinsteins' sisters ran the store until 1996.
To learn more about mom-and-pop grocery stores, visit our online exhibition, Half a Day on Sunday!
This year, in conjunction with the Jewish Food Experience, our Objects of the Month feature DC's rich Jewish food history. For stories about this history and the latest on the local Jewish food scene – recipes, restaurants, chefs, events, and volunteer opportunities – visit jewishfoodexperience.com.
701 Fourth Street, NW #200 | Washington, D.C. 20001 |
(202) 789-0900 |
F: (202) 789-0485 | email@example.com 1876 synagogue:
Corner of Third & G Streets,
NW | Washington, D.C. Visit us!
© 2004–2014 Jewish Historical Society of Greater Washington


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A master caster of nambu tetsu, or traditional cast iron, Nobuho Miya works from his Kamasada ironware studio, founded by one of his ancestors in the Meiji era. His work has been exhibited worldwide, as far a field as New York's Metropolitan Museum of Art.
**Out of Stock
Bottle Opener
Bottle Opener
**Out of StockCandle Holder
**Out of StockIron Bowl
**Out of StockIron Oil Pan
Hagama - Rice Cooker
**Out of StockYonabe (Pot)
2014 © Analogue Life. All Rights Reserved


text:
My son is about 5 1/2 months old and is finally rolling over from back to front. He just got this a few days ago and now he is doing it all the time. Before, he hated tummy time (I held him or carried him most of the time) but he likes it much better now. He's been supporting his own weight forever and loves to stand up, so I thought he might skip crawling but I'm glad he's taken to it.
Has anyone else had a similar experience going from tummy hating to flipping and tummy love?
I'm also wondering if there's a correlation between bulky cloth diapers and later rolling over.


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Migrant Smuggling
- 17/02/2011UNODC provides regular training at NATO School on Trafficking in Persons and Smuggling of Migrants
The United Nations Office on Drugs and Crime (UNODC) is the guardian of the UN Convention against Transnational Organized Crime (UNTOC), and the Protocols thereto. In this regard, UNODC in cooperation with NATO and the NATO School supports the implementation in practice of the Trafficking in Persons and Smuggling of Migrants Protocols.
Read more here.
- 13/02/2011Video and Audio on Human Trafficking and Migrant Smuggling
Video and audio material on Human Trafficking and Migrant Smuggling
- 09/02/2011Rani: défenseur inébranlable pour la liberté face à l'esclavage et la traite humaine
Avec plus de 2,4 millions de personnes en captivité à travers le monde, la traite des êtres humains est devenu à notre époque l'un des crimes et des problèmes majeurs de notre société. Pratiquement tous les pays dans le monde sont touchés par ce crime, que ce soit en tant que pays d'origine, de transit ou de lieu de destination des victimes.
- 26/01/2011Final EGM to draft In-depth Training Manual on Investigating and Prosecuting Migrant Smuggling
Pretoria - From 18 January to 20 January 2011 the United Nations Office on Drugs and Crime (UNODC) Regional Office Southern Africa hosted the final Expert Group Meeting (EGM) for the drafting of an In-depth Training Manual on Investigating and Prosecuting the Smuggling of Migrants in Pretoria, South Africa.
Migrants smuggling has become an increasing challenge affecting virtually every country in the world, either as a country of origin, transit or destination. As the guardian of the United Nations Convention against Transnational Organized Crime and its supplementary protocols, the primary goal of UNODC with respect to combating the smuggling of migrants is to promote global adherence to the Migrant Smuggling Protocol and to assist States in their efforts to effectively implement it.
- 04/01/2011Rani: an unwavering advocate for freedom from slavery and human trafficking
With more than 2.4 million people held captive across the world, human trafficking has become one of today's major crimes and issues of social concern. UNODC interviewed Rani Hong, a survivor of human trafficking and the founder of the Tronie Foundation to support survivors of the crime. For the past 10 years, Rani has been sharing her story across the globe to inspire people and collect support for her work with survivors of human trafficking.
- 20/12/2010Lors de la Journée mondiale des migrants, UNODC dévoile des outils pour aider les Etats à affronter la souffrance des personnes victimes de la traite
Les gens quittent leur pays pour bien des raisons différentes, qu'elles soient économiques, sociales, politiques ou religieuses. De tous temps, les migrants ont surmonté l'adversité et trouvé ailleurs une vie meilleure. Aujourd'hui, la mondialisation a fait augmenter considérablement le nombre de migrants.
- 20/12/2010Workshop on Combating Money Laundering Related to Human Trafficking in Sana'a
Between 11 and 13 December, the UNODC Global Programme against Money Laundering, Proceeds of Crime and the Financing of Terrorism (GPML) and the UNODC Anti-Human Trafficking and Migrant Smuggling Unit partnered with the Yemeni National Committee for AML/CFT to present a workshop on money laundering related to proceeds from human trafficking.
- 17/12/2010On Migrants Day, UNODC unveils tools to help States address plight of smuggled and trafficked victims
People leave their countries for a variety of reasons, whether social, economic, political or religious. Throughout history, migrants have overcome adversity and found a better life elsewhere. The International Migrant's Day, marked every year on 18 December, acknowledges the world's 214 million migrants, recognizes their contributions to society and, importantly, recalls their human rights.
- 13/12/2010Toolkit to Combat Smuggling of Migrants
- 08/12/2010A Compendium of Best Practices: UNODC launches the Toolkit to Combat Smuggling of Migrants
The First Edition Toolkit to Combat Smuggling of Migrants is designed as a compendium of promising practices that States can adopt as measures to counteract organized criminal syndicates, address the vulnerability of smuggled migrants, amongst the many other factors that States face in implementing the Migrant Smuggling Protocol.
Read more here.
- 08/12/2010Basic Training Manual on Investigating and Prosecuting the Smuggling of Migrants
- 08/12/2010UNODC Model Law against Smuggling of Migrants
- 01/12/2010Developing & Strengthening National Legislation - UNODC launches the Model Law against the Smuggling of Migrants
- 10/11/2010a united voice to the protection of migrants
The vital work of United Nations Office on Drugs and Crime (UNODC) and others to respond to the complex and wide-ranging issues relating to migration, including trafficking in persons and smuggling of migrants, has been underlined at the world's foremost migration forum.
- 06/10/2010Strengthening law enforcement capacity in investigating and prosecuting perpetrators of migrant smuggling
Strengthening law enforcement capacity in investigating and prosecuting perpetrators of migrant smuggling
A three-day expert group meeting was held in Bangkok from 27 to 29 September.
The aim of the meeting was for the expert working group to discuss the elaboration of an in-depth training manual on investigating migrant smuggling and prosecuting offenders of that crime.
The finalized manual will make it easier to transfer expertise and best practices, and thereby strengthen the capacity of law enforcement authorities all over the world to deal with this issue.
Read more here.


text:
- About the College
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Add to Calendar
- Date:
- November 7, 2012 2:00 pm - 3:30 pm
- Location:
Ph.D. Thesis Proposal Announcement
Title: New Formulations for Problems in Sequential Analysis
Ravi Ganti
Computational Science and Engineering
College of Computing
Georgia Institute of Technology
Date: November 7th, 2012
Time: 2:00-3:30 PM
Location: Klaus 1315
- Dr. Alexander Gray(Advisor, School of Computational Science and Engineering, Georgia Tech)
- Dr. Maria-Florina Balcan (School of Computer Science, Georgia Tech)
- Dr. Le Song (School of Computational Science and Engineering, Georgia Tech)
- Dr. Alexander Rakhlin (Department of Statistics, University of Pennsylvania, The Wharton School)
- Dr. Tong Zhang (Department of Statistics, Department of Statistics, Rutgers University)
In this thesis we propose to investigate two problems in sequential analysis, namely active learning and model selection.
Passive supervised learning setup assumes that a lot of labeled data is available that can be fed to the learning algorithm for a certain learning task. Obtaining labeled data can be both time-consuming, and expensive. Hence an important problem is to learn well with lesser amounts of labeled data. The framework of active learning has shown promising results in being able to do as well as standard passive learning but while utilizing lesser number of training labels. In the active learning setup the learner is allowed to query points of its choice, and a labeling oracle then labels these chosen points.
In the first part, inspired by ideas from sequential analysis, we propose different algorithms for active learning (AL) in the pool based setting. Building upon our previous work, and utilizing ideas from the literature on multi-armed bandits we propose a new algorithm called VC-UPAL, which uses ideas inspired by exploration-exploitation in multi-armed bandits. Our hope is that this will allow us to prove better label complexity guarantees, and also provide good empirical performance. We next view AL from the lens of model aggregation. Doing this allows us to actively aggregate simple models to obtain a complex model. Towards this objective we propose a simple sequential model aggregation algorithm called MD-AMA.
On the opposite end of the spectrum are domains, such as astronomy, where plenty of labeled data is available but computational resources come at a premium. In the second part, we propose to investigate the problem of model selection under computational constraints. We propose a new framework called CAMS which takes into account not only the estimation, and approximation error, but also the cost of computing a model in a model class. Inspired by ideas from multi-armed bandits we propose a new algorithm called CAMS-Stream to choose a model which optimally trades-off both the statistical error of the obtained model and computational complexity of learning the model.


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I Need Recommendations For Tools/Parts
From Ninja250Wiki
Where can I buy parts/tools online?
A beginner's guide to maintenance tools
What should a good set of tools include?
What tools should I take out on the road?
What kind of battery charger can I use?
Categories: New Riders | Engine | Intake


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Live in Trout Lake, WA. Woke up this morning to see a billowing cloud of some at the base of Mt. Adams. A wildfire has sprung up on the south side from the lightning strikes last night.
Wildfire south side of Mt. Adams
By: tdeardenSubscribe Channel: Weather & Scenery Location: Trout Lake
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says ... on Monday, Sep 10 at 2:40 PM
be safe!!
says ... on Monday, Sep 10 at 3:27 PM
Tim....great reporting! Elyard


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** These course are currently unavailable at YVCC.
See a BT advisor for availability of these courses at other colleges.
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This information includes costs, program length, on-time completion rates, job placement rates, average loan debt incurred by students, and career information.
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An early childhood and school-age training delivery system is available for local child care providers and parents.
Early Childhood Enrichment (ECE) programs provide ongoing training, education and technical assistance to adults who are involved in the day-to-day care of children and youth.
ECE programs are located in Aberdeeen, Brookings, Pierre, Rapid City and Sioux Falls. Child care provider location services are also available for parents who need help in locating child care in their area.


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December 22, 2014
CHICAGO (AP) -- Don't put away that mosquito repellent just yet.
Hot, dry weather in the Chicago area has hurt reproduction of the common floodwater mosquito this summer. So it might seem like you're scratching fewer bites.
But a common carrier of West Nile virus -- the Culex mosquito -- is still a danger.
Mike Szyska is director of the Northwest Mosquito Abatement District in Wheeling.
He says the Culex mosquito lays its eggs in standing water, like retention ponds and birdbaths. That means they're undeterred by the dry heat, and they're still multiplying this summer.
So far this year, the Illinois Department of Public Health has confirmed three human cases of West Nile virus.
Szyska says West Nile activity peaks in mid-August.
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