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Shrubs that can be planted now???
Hello, I am married to the most impatient man in the free world who wants to plant shrubs in our yard now rather than waiting for early spring. Is there anything we can plant that will survive the winter? We have shady, part shade and full sun areas we need to address.
I think this is the best time to plant shrubs. Assuming that they are happy in your zone: You get them in the ground, the soil doesn't really freeze and their roots grow all winter making them ready to start growing in spring.
What are you planting?
We need a little of everything but I am leaning towards Salvias, Lantana, Yellow Bells of TX and anything else you folks could think of that might work. We need things that will take up space and I want things that will feed my hummingbirds.
Here in Arlington Yellow Bells / esperanza may not come back, so I would not plant that now. Salvias freeze to the ground, so do lantana but they pop back up in April.
I call these plant perennials (sp?)
Same with Sweet Almond Verbena which is a huge shrub / tree and is a big nectar source. I want to warn you that I am the queen of hort. zone denial and I am known for the winter waltz: Into the garge for 1-2-3 days, out for a few days.
That said, here are my favorite BIG butterfly shrubs;
Duranta: I have sapphire showers and a more lavendar one. they are in big pots and are easiy 7 ft tall. Mexican Fire Bush, Sweet Almond Verbena
My favorite plants, but I plant them in the spring: HUGE as in 6 ft tall zinnias, the tall Blue Mist, Tithonia, Orange cosmos, Parsley! I'll get lots of plants if I can find them on sale and plant with pansies or on their own. A great host plant and it loves our winters, basil is cheap to grow and they love the flowers.
I'm rambling and I know there are many more. If you have lots of room, consider passion flower incarnata Incense. Or, Blue Dawn the morning glory that grown from rooted vines. Both of these are host and nectar plants.
I know, more than you wanted, but I couldn't resist.
I'm almost certain a young Scarlet Buckeye would make it through the winter, although they are already leafless. Coral Bean is damaged by cold but somehow always able to return, so now seems like an acceptable time to put one in the ground. Whitebrush, a native close relative of Sweet Almond Verbena, should also work. I am uncertain of how well Shrubby Blue Sage would perform over the winter but it might be worth a shot. The leaves are very aromatic and its blue flowers are attractive to hummingbirds.
I plant any plants right now. Some of the more tender salvias , you might want to wait till february but most of them will do just fine. Just mulch them nicely and do not cut them back till you see green growth in spring. The hollow stems collect water and can carry rot into the crown. The dead sticks also help you not LOOSE the plants and accidentally dig it up planting another plant. Esperanza is a yes but mulch it well for its first winter.
I am west of Astin around Drippuing Springs so we have a similar amount of cold, rocks and lack of rain.
Really this is the best time to plant. It gets the roots established before the hard cold and then the roots can grow and be ready to take off before the big heat hits.
My best hummingbird plants are Flame Acanthus, a woody perennial with red flowers which I cut back almost to the ground in late winter and let regrow - otherwise it gets too leggy and floppy. It likes mostly sun. Also, Turk's cap, another woody perennial I care for the same way as above. It likes shade to sun - the more sun, the more flowers. And last, red yucca, not a real yucca, but the hummingbirds always are on it. I only cut the bloom stalks off when they are done. Lots of sun for this one. Oh, almost forgot - Salvia greggii, partial sun to sun, I have the red, and a kind of purple pink one. Oh, and not much for hummingsbirds because it blooms late is Texas Native Aster, Aster Oblongifolius, sun to light shade, pretty purple for this time of year. These are all considered woody perennials or sub shrubs because mostly they get cut way back in winter.
Thanks for the suggestions everyone!!! Those are fantastic ideas. Should keep the hubby busy.
@debndal... Wow, I love the pictures of the Flame Acanthus. Must find now.
@rock oak deer... Axis, white tailed, jack rabbits, reg rabbits, etc. Yep, I'm infested with plant eating critters. Anything I don't want eaten I put inside the fence with my German Shepherds. :)
I have those blinkin critters too. Just normal white tail but I don't think the plant is going to think any worse of the critter that is eating it because it was an introduced non native critter. Here are my suggestions for Deer proof plants. Salvias, Flame Acanthus, Broom snakeweed (it grows around you ,is pretty in autumn but not on the market) Evergreen sumac,Cenizo, fragrant mimosa, any yucca, agave, nolina, rosemary, mexican oregano, Eupatorium wrightii, agarita, Texas mountain laurel , esperanza, Bamboo muhly, Any muhly grass, desert willow, artimesia ludoviciana vallery finnis (is incredibly drought hardy and loves our awful soil)
Fence any tree that you plant till they are large enough to be out of reach of the critters.. Especially any red oak, escarpement black cherry madrone, If you clear brush away from a desired species, fence it because you just removed their protection. Get your trees in NOW not later in the winter. Aren't I the bossy one.
Mara, that's a great list and they can all be planted now since they are hardy in Boerne which is about 30 miles NW of San Antonio. Only thing is you might have to go to a native plant nursery to find some of them. Oak-Rock-Deer can give you the names of native plant nurseries up around Medina Texas that she blogged about recently.
The other suggestions above are good too.
Incidentally, I'd like some 'artimesia ludoviciana vallery finnis' from someone at the next plant swap. Sounds like my kind of plant.
Or one can come to the next swap and ask me for them but that won't help you now. Linda says there is a great native plant nursery in Medina. I have the Broom snakeweed, I could mail some small ones to one.
Rose, I had Artemisia valery finnis on my list but no one asked for . Here it is grom spring to fall with a drought damaged but alive Rosemary. I cut it back bit in winter.
My friends in Boerne report that the Axis deer eat what Whitetail deer don't eat. The list of their favorites includes lantana and salvia greggii--plants that we typically consider deer proof. Yellow bells/esperanza need to be protected until they get larger.
Ornamental grasses are a good choice.
Wow - Mara! I didn't even look it up. Now if you'd said you had 'big silver billowy artemisia' I would have said "me - me - me" ... LOL I'm glad there will be a next time chance for it.
I loved seeing at the photos above, also loved the wild flower pictures you posted on the gallery.
Roselee, this artemisia is rated in the garden at about 1 -2 feet. It grew that way when I lived on good dirt in town and I actually watered once a week. LOL . I brought it out here and it was like it was on steroids. It loves my awful soil! ... Well that area did get a bit of xeric dirt made with decomposed granite sand and compost but it never sees water. Last summer this was about the only thing actually alive and above ground. It even was trying to maintain in the unwatered hell at about 1/3 its height here and the leaves felt weird but , hey, it was alive. Even a lot of the natives died. below is a picture during that awful summer. This plant is a thriver.


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Devour Data on the Data Strong™ Network
and also me
Conner is really sexy and I wish I was his type so he with hmu.
Almost 15 minutes into editing Charlie. We still have a lot to film, but we WILL get this done. Planning for the release to be around Christmastime callmeconner
So, this happened. Also, Joe, I'm sorry for butchering your last name.
Hello all!
I have a lot of really exciting announcements.
First, I will be playing two concerts next weekend. The first is on Saturday night at 7:30pm in the chapel at Interlochen, with my fellow Singer/Songwriters. The second is at the Folk Festival in Traverse City, from 1:30-1:50pm, on the Cuppa Joe Stage. The whole festival runs noon-5:30.
Second, I will be shooting a music video for Better Days with my very talented friend Sean, starting next weekend. We have a very strong idea outlined, and it should play out very nicely.
Third, my friend Conner and his family are going to work out a deal with me so that I will be able to begin recording my Ugly Coyote EP! He is also going to help me get gigs booked locally, as well as having me open for the incredible Aunt Martha.
I am also working with a few artists to get an idea for the album artwork, currently. If all goes as planned, I will be making huge steps in the next month. I'll keep you all posted.
For Condor Hursh.
Also, ladies and gents, I am single, swollen, and my baby box is is all funked up so birthcontrol won't be an issue. Aw yis, i can see my suitors lining up now, oh look all the way around the block.
be my penpal xoxoxoxo
callmeconner said: I got you
Oh you know just casually singing a song with Tim Noyes
I. Uh. I don't really say it that often I swear
I love you guys
I couldn't find the motivation to put on real clothes today so I'm wearing a halloween sweater.
My new hair is just so different i can't deal

subset: commoncrawl


text: Great place to stay for a night or two to enjoy swimming and relaxation in the hot tub. We were looking to escape the snow for a few days and LaQuinta provided a comfortable place to stay. We were thrilled to bring our dogs to this location. I would have to say that LaQuinta is the dog-friendliest hotel chain EVER!... More


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Meir Panim delivers warmth, special care to families in need.
Stevie Wonder is set to pull out of a performance at a fundraiser for the Israel Defense Forces, a source told JTA.
Wonder's representatives will claim that he did not know the nature of the group, the Friends of the Israel Defense Forces, and that he believes such a performance would be incongruent with his status as a U.N. "Messenger of Peace," according to a source who has read email exchanges between Wonder's representatives and organizers of the event.
Wonder was scheduled to headline the Friends of the Israeli Defense Forces annual gala in Los Angeles on Dec. 6. The event raises millions of dollars annually to support the Israeli military.
An official of Friends of the IDF, reached at its Los Angeles office, had no comment. Wonder's agent at Creative Artists Agency did not return a request for comment.
The spokesman for the U.N. Secretary General also had no comment on the matter.
The United Nations does not impose restrictions on its goodwill representatives. Wonder most recently performed at a U.N. concert commemoratiing its 67th anniversary. Elie Wiesel, the Nobele Peace Laureate and Holocaust memoirist who is also a staunch defender of Israel is also a U.N. Messenger of Peace.
Wonder had come under intense social media pressure to pull out of the event. An online petition calling on him to cancel his performance had garnered more than 3,600 signatures.
The petition was launched more than a day ago on the change.org website.
"You were arrested in 1985 protesting South African Apartheid, now we ask you: please remember that apartheid is apartheid, whether it comes from White Afrikaaner settlers of South Africa or from Jewish Israelis in Israel," the petition reads. "Desmond Tutu has recognized that Israel's Apartheid is worse than South Africa's — will you stand with us against apartheid and cancel your performance at the IDF fundraiser."
A second petition, launched by the U.S. Campaign to End the Israeli Occupation, calls on Wonder to "(p)lease continue your legacy of speaking out for the oppressed. Please be a 'full-time lover' of justice by standing on the right side of history and canceling your performance for the Israeli army."
Wonder performed at a 1998 gala honoring Israel's 50th anniversary.
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slime ball
What a wuss.
What a wuss.
Go figure! A leftest!
Sad that Wonder has joined the Klan.
I think someone needs to explain to him the definition of "peace." Next thing you know, he'll be doing a fundraiser to help re-arm Hamas.
He could always do a fundraiser for Shalom Achshav.
Unable to discern right from wrong. Typical.
What else is to be expected from a man who would campaign for Barack Obama–Stevie Wonder is a fool and a useful idiot!
Peace Now would be better described as genocide now.
I agree.
Stevie may have taken his orders to cancel his gig from the White House.
His loss! Canadian soldiers have actually joined the IDF, because they "are" soldiers.
I agree!!!
Me too, he might as well support them!
What a schmuck!!
Desmond Tutu is a raging Jew-hater and anti-white bigot. Following HIS advice on Israel is like following Hitler's advice on tourist destinations in Poland. Stevie Wonder is now just another testiclularly deprived tool of Jew-haters everywhere. Way to go Stevie…you just proved that not only are you blind, but you have no independent vision.
Comments are closed.
Obama finally stops punishing Egypt for overthrowing the Muslim Brotherhood's Morsi
The IDF will have hard choices to make in the next war with Hezbollah.
Chaim Topol, has been awarded the Israel Prize for lifetime achievement.
The Knesset opening session was buzzing with new faces, as 39 new Members of Knesset joined their veteran colleagues in the swearing in ceremony.
The Temple Institute renacted the entire Pesach sacrifice ceremony.
"On days like today we want these children to feel the joy that any normal child experiences on their bar mitzvah."
A family. 7 Children. An indescribable tragedy. How do they go on? How do we react? And what lessons are we supposed to learn?
More than 40 refugees were killed in a Saudi-led air strike while PA office accuses Israel crime by building homes.
The military implicitly admits to having improperly allowed a missionary group to indoctrinate soldiers.
Talks are likely to extend beyond Obama's self-imposed deadline that he had said he won't change.
The Iranian regime is hard up for propaganda, but maybe it is prophesying the future.
The Arabs rolled burning tires and three rocks at soldiers at the central Gaza security fence.
The Histadrut national labor union and the Federation of Israeli Employers have agreed to raise the minimum wage to 5,300 shekels ($1,334) by 2017, approximately half the average salary in Israel. The employers and the union previously agreed to a three-stage hike in the minimum wage. The latest agreement adds a fourth stage whole pegging […]
The clowns are back in town while ringmaster Netanyahu tries to tame the beasts.
A Reuters poll shows that America is increasingly polarized, especially about President Obama.
Prime Minister Binyamin Netanyahu continued to lash out at a possible "bad deal" with Iran Monday and said, "The agreement being formulated in Lausanne sends a message that there is no price for aggression and on the contrary – that Iran's aggression is to be rewarded." Netanyahu said in a statement: The moderate and responsible […]
More than 20 cars and buildings in a Jewish community in north London were vandalized with swastikas. The Nazi symbol was drawn on approximately 27 cars in the Osbaldeston Road area of Stoke Newington on Sunday night, The Daily Mail reported. An unnamed 32-year-old man was arrested in connection with the vandalism Tuesday. The neighborhood […]
New York State Assemblyman Dov Hikind called on the Jewish community to attend the funeral of an assassinated New York police officer. "The brave men and women of the NYPD risk their lives every day to protect us. We value them and stand with them," Hikind, a Democrat who represents Brooklyn, said in a statement […]
"Move Jew" scrawled on a Philadelphia home and slurs written on a synagogue and 10 garages in Chicago.
The Nazis nearly destroyed the 17th synagogue.
Cuba has "the largest pool of untapped baseball talent in the world, and Major League Baseball may tap and leave Cuba dry.
Someone is finally waking up.
Argentina's president Christina Fernandez has accepted an official Jewish godson for the first time in the country's history to help counter legend of death to a seventh son. She described in seven tweets her meeting with her new godson, Yair Tawil, a member of a Chabad-Lubavitch family. He was adopted as a godson under a […]
A fundraising campaign started quietly by two first graders two years ago to help find a cure for a rare genetic disease just passed the $1 million mark.
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call from the grave ---> bathory
best song
wat is the best song by ozzy
- comments(8)
1. Diary of a Madman
2. Miracle Man
3. Mr. Crowley
4. The Ultimate Sin
5. No More Tears
6. The Road to Nowhere
7. I just Want You
8. Suicide Solution
9. Believer
10. Rock n Roll Rebel
well all ozzy's songs
but favourite at this point is KREATOR --> betrayer
those germans know how to kick out a tune
It depends on my mood. I couldn't list just one. It changes.
Bark at the moon.
bloodbath in paradice from no rest for the wicked


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Hello all I have been brewing for a year now and have been trying some different things .I found a red beer kit that I love and add vanilla chocolate and some coffee to the wort and boil it but was would like to know how much honey to use insted of sugar?
Instead of sugar? Add it during your boil. you can substitute 3.3lbs of extract for 3 lbs of honey in an extract 5 gallon recipe if you like. I will just add about 2 lbs of honey to a 6.6 lb extract recipe. I add later in the boil, about 20 minutes to go.It is a fermentable no doubt.


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Clive Russell Celebrity Watchlist
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Dreary retelling of the Arthurian legend with Clive Owen in the title role. Keira Knightley's Guinevere is more action hero than royal siren; Ioan Gruffudd costars as Lancelot. Antoine Fuqua ("Training Day") directed; David Franzoni ("Gladiator") w (more…)
In 922, an exiled Arab emissary (Antonio Banderas) is abducted by Viking warriors and forced to help them in their battle against mysterious and deadly creatures. Queen Weilew: Diane Venora. Melchisidek: Omar Sharif. John McTiernan directed.
Follows the life of a youngster (Robbie Norman) growing up in the late 1920s on an expansive Scottish estate with his eccentric family and a steady stream of interesting visitors. Edward: Colin Firth. Gamma: Rosemary Harris. Moira: Mary Elizabeth Mastranto (more…)
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So we had a super early start this morning, we got up at 3:30am in order to get our taxi to the airport. They recommended getting there two hours before even though its a domestic flight and thank god we did. The flight had been over booked and at first I didn't have a seat. Dais and I had to sit together because she's a nervous flyer. We managed to get to the gate and sort that out with no qualms and we eventually got on the plane. We were the second row from the ...
Kicking it off with a Tribute to Neil Boyle
... what happened to all the time we had? ... I went to put our water in the duty free bag and watched as it so efficiently - in rather slow motion - took a dive and crashed sending Baileys in a wave across the floor. Thank god the Grey Goose survived. Me thinks the Bailey's took one for the team. Back Marilyn dashed to duty free where she was able to now take advantage of the "two for one" discount. Sigh. All I could say as the crowd ...
What I'm doing right now
... some peace in, before the day begins. Today we will be doing all the 'touristy' things, including going on a 'tour' of the movie star homes, visiting the 'Hollywood' sign, which is very close to where we are staying, going to Venice beach and Santa Monica, amongst other bits and pieces. I will (no doubt) provide an update either tonight or tomorrow. I also have to mention this fantastic place we had dinner last night. It is called 'Mel's Drive-in' and ...
... I had chicken in mustard sauce with a delicious tiramisu-like dessert and the second menu was a slice of pizza.), the flight attendants were nice and the 90 minute delay caused by the airport apparently. Also, the seats were okay regarding their comfort.
I also had a quick chat with some flight attendants in the galley and mentioned that I was surprised the flight was so full, regarding the recent events in aviation. They shared my opinion and were ...
How the other half live
... I was loving the freedom the car gave us.
Staying in Hollywood it would of been rude not to go into the Hollywood hills and check out all of the stars houses so we jumped on the tour bus and froze our ass off. Shorts and a vest on a open top bus meant some serious nipple action. Half way through the tour we realised the tour guide tutted after every sentence and when you notice something like ...


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garden party cupcake tier
So I guess it is obvious that I have Spring fever. I absolutely love this idea, not necessarily the cupcake
Party Supplies, DIY Craft Ideas and Tutorials, Party Recipes
So I guess it is obvious that I have Spring fever. I absolutely love this idea, not necessarily the cupcake
I know we're only a few days off Christmas, but I'm already starting to have Spring fever… which is not
We hosted our annual cookie decorating party yesterday and I have to say it was a hit. Not only did
So how many of you can go the season without a little peppermint bark? When I was in corporate America
These cookies would brighten any holiday gathering (from brightideas.com) and little hands can help decorate them. Here's what you'll need
These cool treats are great for the holidays and for winter birthdays. (Check out our brrr… brilliant birthday invitation.) Here's
There are so many decorating possibilities when it comes to gingerbread men. I've demonstrated a very easy technique here (just
Another tradition in our house is pecan pie (being a southern girl and all). There are so many ways to
I'm a huge fan of Bakerella. For those of you who have never been there, you simply have to go.
These are sooo fun and could be perfect for a campout party. Here's what you'll need: 1 roll (18 oz.)


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Rated 5 / 5 stars
Arin. This is your best work. I love these little guys and I know you have more scenarios in mind for them to be in. I would love to see that happen. <3
Rated 4 / 5 stars
This was a very good flash. It has a few flaws on the animation but the story is okay. Good one, Egoraptor.
Rated 5 / 5 stars
arin is god
Rated 5 / 5 stars
One of Ego's most underrated flashes, I think. Definitely doesn't get the attention that the videogame-themed flashes do. I love it though, it's hilarious and original.
Rated 5 / 5 stars
I can't believe I haven't seen this yet!
That was great!


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Why Romney Will Win
Now that both conventions are over, the dimensions of the likely Romney triumph are becoming clear. Both through an analysis of the polling and an examination of the rhetoric, the parameters of the victory are emerging.
Start with the polling. It appears that the bulk of the Obama post-convention bounce has been in blue states where his left-oriented convention stirred up the enthusiasm of an already committed group of voters. Among likely voters identified in The Washington Post poll — taken after the conventions — Obama holds a slim one-point edge. And an analysis of Rasmussen's state-by-state likely voter data indicates a tie in the the battleground states (according to Breitbart).
But it's not really a tie at all. All pollsters are using 2008 models of voter turnout. Some are combining '04 and '08 but skewing their samples to '08 numbers. African Americans cast 11 percent of the national vote in '04, but their participation swelled to 13 percent in '08. These 2 million new black voters backed Obama overwhelmingly. Will they come out in such numbers again? Will college and under 30 voters do so as well? Will Latino turnout be at historic highs? All these questions have to be answered "yes" for the polling samples so widely published to be accurate.
For example, when a poll shows an Obama lead among likely voters of, say 47-45, it is based on an assumption that blacks will cast 13 percent of the vote. But the lack of enthusiasm among Obama's base for his candidacy and their doubts about the economy make an 11 percent black turnout more likely. In this event, Romney would actually win in this sample by 46-45.
And then there is the enthusiasm gap. All recent polling suggests that Republican- and GOP-leaning Independents are 13 points more enthusiastic and following the race more closely than their Democratic counterparts. If the grassroots do their job, this will yield a stronger Romney vote.
Finally, when every poll among every sample has Obama below 50 percent of the vote, it is most likely that the undecided have, in fact, decided not to back his re-election.
But to crawl out of the statistical weeds, let's examine the state of the partisan dialogue. Former President Bill Clinton made a huge blunder when he accepted the Republican challenge and flatly — and loudly — asserted that we are, in fact, better off than we were four years ago. Polls show that only about 33 percent of voters agree, while close to half do not see the world that way.
Finally, both parties seemed happily to embrace the same formulation of the difference between them. Both agreed that the Republican Party is based on a philosophy of individual responsibility. Obama articulated it as, "You're on your own." Republicans put it differently: "We'll get government off your back." Democrats said theirs was a party that would lend you a hand.
Gallup measured these two options, and voters chose "leave me alone" over "lend me a hand" by 54-35.
Over the long haul, these are the questions that will dominate voting intentions. The function of the conventions is to formulate and articulate each party's view of the world. The fact that they were so similar and that each was willing to trust its fate to the question of, "Are you better off?" means that the Romney message will have a very strong advantage. The decision of the Democrats to embrace this choice and not to move to the center will make it impossible for them either to re-elect their president or to command a majority in the new Senate.
Also see...
It took a lot of guts to do what this young man did. They also offered him 20k in hush money. Fabulous. The proof in my opinion here is that...Read More
Dick Morris
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It was a strong day for the U.S. in Eisenerz, Austria as both the women and men dominated the podium of the weekend's Austrian Cup. In the women's 7.5 k classic individual start, Chelsea Holmes of Alaska Pacific University led her teammates to a podium sweep with a time of 22:24.4. Just behind her were SMST2 teammates Annie Pokorny and Annie Hart who finished 40.1 and 43.3 seconds behind Holmes.
Sun Valley's Mary Rose finished fourth while APU skier Rosie Fankowski placed seventh. Erika Flowers of SMST2 finished ninth, followed by Paige Schember of Sun Valley in 10th and Craftsbury's Liz Guiney in 11th.
In the men's 15 k classic interval start APU's Lex Treinen won with a time of 40:29.2 His teammate Eric Packer finished 7.4 seconds behind to claim second and land two Americans on top of the podium.
Reese Hanneman, also of APU, and Ben Saxton of SMST2 finished sixth and seventh in the 15 k.
While the Americans appeared to ski to the podium with ease, their results were hard fought due to challenging waxing conditions which required a choice between strong kick or glide. Many U.S. racers chose the latter, which served them well in their hunt for Austrian Cup success.
The next stop for the American skiers will be the OPA Cup Finals in Chamonix, France. The Finals begin March 13th with the men's 2.5 k and women's 3.3 k prologues.


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Increasing CPP benefits comes at a price
We'd all like to see an improvement to the benefits of the Canada Pension Plan. Here are some reasons they're at the current level.
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We'd all like to see an improvement to the benefits of the Canada Pension Plan.
We pay into it all our working life, the fund had assets worth $183 billion as of the end of March, it is well-managed and free from political manipulation. The fund predicts it can cover its obligations for the next 75 years, so if that's the case, why not pay us more?
This issue is top of reader's minds. Here are some questions that have come up:
Q: If the CPP is in such good shape why don't we get a bigger pension?
A: The maximum per month for someone who is 65 and retiring this year is $1,013. If we want more than that, we can have it, but at the cost of higher premiums.
The CPP figures it can cover our pensions for the next 75 years, but that doesn't mean the fund has that much cash in hand. It means that based on what we pay — a maximum of $2,356 this year, matched by our employer — plus the fund's expected investment returns, things should work out.
While it is likely they will work out, it's not guaranteed.
Provincial finance ministers, including Ontario's Dwight Duncan during his tenure, wanted the CPP to pay more and Fred Vettese, chief actuary at benefits consultant Morneau Sheppell and co-author of The Real Retirement, agrees a modest increase in the basic CPP pension is a good idea.
"But for future service only," he says. "We really cannot afford a retroactive increase."
He points that the CPP is only about 20 per cent funded and that ratio is not getting any better, so let's hope assets continue to grow nicely at the assumed 4 per cent a year after inflation.
Vettese adds that when the CPP is combined with Old Age Security (OAS) and the Guaranteed Income Supplement (GIS) the package compares favourably to other industrialized countries.
Q: Why can't we choose to pay more into the CPP to get a bigger pension?
"Has anyone ever asked if it would be possible to make additional voluntary contributions (AVCs) the way other pension plans such as OMERS, allow," asked reader Bill Lidstone, referring to the Ontario municipal employees plan. "We have already paid for the investment expertise. Just a thought. "
It's an interesting idea, but one that has not made it to the table where these things are considered.
The federal, provincial and territorial finance ministers, jointly administer the CPP and meet every three years to discuss the plan.
Any changes need the approval of the federal minister and the provincial finance ministers representing two-thirds of the provinces with the two-thirds of the population. Then it must be approved by Parliament, says Stéphanie Rubec, a spokesman with the federal finance ministry.
These checks and balances ensure there are no arbitrary changes to the fund. If you think the idea has merit, the place to start is with your federal MP and provincial MPP.
Q: Why don't we make the CPP survivor benefit more generous?
When a person dies and they've paid into the CPP, the maximum their surviving spouse can get is an amount that brings that person to the maximum one person would have received in the year they started their pension. You don't get two pensions.
This is because the plan is based on the notion of pooled risk. First it recognizes that some people live longer than others. Money not paid to one person goes back into the pool. It is also designed to offer income support as one portion of retirement savings, not a second income.
Two stories illustrate this apparent unfairness.
Cape Breton residents Sheila and Winston Billard paid into the CPP all their working lives. When Sheila died in 2012, Winston's extra benefit came to $22.75 a month. This topped him up the maximum he would have been paid in 2004, the year he started his CPP.
In the other case, Kitchener real estate agent Bill Bell started taking the CPP in 2002 when he turned 65. His wife Catherine died in 2010 two weeks after her 60th birthday and did not draw any benefits although she had paid into the plan. His extra comes to 98 cents a month.
While many of us think this should be changed, readers like Julia Hall, who are single, think that would be very unfair.
"Who ought to be considered a survivor?" she asks. "Fewer people are marrying and more are single, living with siblings (as I do), or in some other dependent living arrangement.
"To provide improved benefits only to those who are married seems discriminatory. Those who are married already enjoy many benefits not extended to others, i.e. RSP rollovers without tax, property transfer without tax, income splitting, ability to share health benefits. I don't think we need to extend CPP to cover survivors at all."
Personal finance editor Adam Mayers can be reached at email@example.com
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Delavan Jobs
Looking for jobs in Delavan? Snagajob has great opportunities with the area's leading companies. And applying for Delavan jobs has never been easier. Look at the job listings below, click on a job title that interests you and hit the "apply now" button. Part-time jobs, teen jobs, student jobs and summer jobs are now just a click away. Start your job search now.
Delavan, WI Job Openings
Panera Bread1905 E. Geneva Street
Delavan, WI
Dunkin' Donuts - Franchisee of Dunkin Donuts502 Borg Rd.
Delavan, WI
ALDI2027 East Geneva
Delavan, WI
Kohl's1921 E Geneva St
Delavan, WI
Kohl's1921 E Geneva St
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Family DollarDelavan, WI
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February 16, 2015 at 8:18 pm
Etching Fillable Lamps
This featured post shows the work submitted to me by Jay Swartz. He thought that everyone wouldn't like these since the etchings are specific to Martha's Vineyard, but I think the overall idea alone will give you some creative project ideas!
I haven't thought of this, but he etched fillable lamps which were then filled with sand and shells to look like the beach. Just think how creative you could get here! He also shared some etched ornaments. He provided the below:
These are a few of my creations. The map is of the Island of Martha's Vineyard, where we live and out of the scallop shell is one of our most wonderful shellfish. I am sandblasting all of them. I etch pitchers, hurricanes and all kinds of stuff that is displayed at fairs.
The fillable lamps I searched for seemed to vary but probably averaged about $100. I am not sure if Jay made these from recycled glass, but I found a few inexpensive kits below that allows you to transform bottles, mason jars or whatever you can rig up:
• Mason Jar Lamp Kit – $7.95
• Cork Stopper Lamp Kit (set of 2) – $18.63
• Bottle Lamp Kit (set of 2) – $14.95
February 15, 2015 at 4:41 pm
Sandblasting Concrete Block, Decor Mirror, & Glasses
This featured sandblasting work was submitted by Cheryl.
I thought these were cool and will give you some great ideas! This shows the great variety of items that can be sandblasted. She sandblasted a concrete block which others may call a patio stone, a decorational mirror, pilsner glasses and a shorter glass which might be called a tumbler. She provided the below details:
For the concrete block, I used a rubber resist, 80 grit silicon carbide abrasive, blasted at 45lbs/pressure. The resist cut like butter. Any pressure higher made the details blow away.
The other pictures are examples using contact paper/pencil blaster cut with my silhouette.
February 7, 2015 at 1:29 pm
How to Engrave Patterns on Bottles or Hard to Get Areas
My hand won't fit in that small hole
"So I blew it!"
This helpful tutorial and creative idea was submitted to the blog by Jon Mallory. What an awesome idea to allow you to place patterns/images inside hard to get areas of a glass for engraving! Please read Jon's tutorial that he provided us below:
Many times we have a photo that we would like to engrave on a bottle but the neck of the bottle is too small to put the photo into the bottle by hand.
If you have a photo to put into a long neck or funny shaped, small neck bottle, this is how you can do it.
1. Size your photo as if you are going to reach into the bottle and secure it to be traced.
2. Find a tube that will fit the bottleneck loosely. Trim the photo to make it slide into the neck easily. You will have to roll the photo to make it fit.
3. Tape a piece of paper, about 1/2 inch wide, to the top center of the photo that is long enough to position the photo where you want it to be for engraving. Make the paper long enough that you can tape it to the outer edge to the bottleneck when you have it located where you want it.
4. Roll the photo, "image out", so you can see the photo and so it fits in the neck without damaging your photo or the paper tab. Locate the photo where you would like it to be when it is engraved.
5. Take your loose fitting tube. With electrical tape, attach a balloon to the end that enters the bottle. Make your tube long enough that it will enable you to reach the bottom of the bottle. Your tube must be small enough to allow the balloon and tape easy access inside and to allow the air being replaced by the inflating balloon to escape. Slide the balloon and tube into and behind just beyond the middle of the photo. The balloon must be located beyond the bottleneck so as not to restrict the balloon while it is inflating. This will assure that the photo is tight against the bottle.
6. Gently inflate the balloon. You may have to remove the air and move the photo, or balloon, if it moves! When the photo is in position and has enough of the balloon in position against the photo to hold the photo in place, twist the tube to lock the air in. You can tape the tube in place if you want to be sure it won't deflate. Engrave and untwist the tube and you are done!
January 31, 2015 at 6:49 pm
How to Engrave People with a Sketched Design
We are featuring Kevin Retelle today with his rotary engraved glasses. I have done a similar personalized glass like this before, but used the sandblasting process and different software, but I haven't documented it well, so this makes a great fit! It is a lot simpler than other methods such as using a halftone photoresist process or shadeblasting, but this is less time consuming and easier to get loved one's faces on glasses. He provided the below steps on how he engraved pictures of his granddaughters with a sketched design.
1. I first took the photo of my granddaughters sent to me from my daughter via Gmail and downloaded them into Adobe Photo Shop.
2. Once I did that, I selected Filter, selected Sketch and then clicked on Photo Copy to get the photo close to what you see.
3. I then adjusted the Detail and Darkness to get it to the final image.
4. I then reduced the sizes of each piece to fit the glass vases and printed them.
5. Using rubber cement, I attach the images to the INSIDE of the vases. (Be careful not to use too thick of glass due to the fact it could distort your position while cutting).
6. Once positioned, I took my Micro-Pro by Mastercarver and used a round fine tip diamond head bur to outline and cut the finer lines.
7. Once that was done, I went back over the wider lines with a coned shaped fine sanding stone to smooth it all out.
8. After finishing sanding, I used Rub and Buff to make it all pop. It was my second attempt at engraving and had a blast doing it.
I plan on continuing to do faces of family and improving my craft, eventually go out into the market to sell.
January 28, 2015 at 9:18 pm
Nadina P. Etches Glass Sculptures, Jugs, & Pitchers
Nadina Piehl has been a subscriber for almost as long as I've had this website and she sent me these photos. She sent over a picture of:
• A blue glass jug with an etching of a ship on the front (great contrast).
• A pitcher etched with some oceanic scenery
• A glass bowl with etchings depicting a more lively oceanic floor
• A glass sculpture shaped like a fish with etchings all around it.
I thought these were interesting and will provide some great ideas!
She provided the below details:
Here are samples of my work. I am featured in a small local art gallery, and in the spirit of selling my work, I've been creating more usable items for home decoration/usage. I have been doing this for about ten years, mostly as a hobby and gifts for family and friends when approximately five years, I was invited to join the gallery. Hope you like my work.


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CHICAGO – Chris Rock isn't a huge writer/director, but when he does make a film, it's an event to consider. For example, he made black president tale "Head of State" long before then-senator Barack Obama was even considered for the real-life role, and whether behind the stand-up mic or in an interview, he's a voice to be reckoned with.
The Notebook
Tearjerking 'The Fault in Our Stars' is 'The Notebook' of This DecadeSubmitted by HollywoodChicago.com on June 6, 2014 - 9:52am
Rating: 4.0/5.0
CHICAGO – Sure, I'll admit it. With so many new films to screen and review, I'll choose the sci-fi action/thriller from the man behind the Bourne flicks over a movie that's being called "the greatest romance story of this decade".
Channing Tatum, Amanda Seyfried Can't Quite Deliver 'Dear John'Submitted by PatrickMcD on February 5, 2010 - 9:26am
Rating: 3.0/5.0
CHICAGO – Love stories are as common at the movies as popcorn and sticky floors. Despite this, rising stars Channing Tatum and Amanda Seyfried add their own spin to the timeworn plot theme in "Dear John."


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Product Experts Available Now!
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Custom fit Brake Controller for your:
Brake controllers with a custom fit wiring harness for your Toyota Tacoma make trailer towing safer and installation easier. We offer high quality controllers in both time-delay and proportional models, from manufacturers such as Tekonsha, Hopkins, Valley, and Draw-Tite. Brake controller wiring adapters are available for most <%=fMake%> Toyota Tacomas, allowing for simple plug-and-play installation.
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Trailer Brake Controller Installation - 2012 Toyota Tacoma
All right, today on this 2012 Toyota Tacoma were going to install a brake controller, part number 90885 from Tekonsha. This is a Prodigy P2. To help us install this were also going to use part number 3040-P. This is a cable that will go between the brake controller and the port on the truck. Well start off with this part number. Well go ahead and look for the port underneath the dash on the left hand side by the drivers side door.
Trailer Brake Controller Installation - 1999 Toyota Tacoma
Today on this 1999 Toyota Tacoma were going to install part number TK90160. This is the Primus IQ brake controller. To help install this were going to use part number ETBC7. Well start from the back of the truck and work our way forward. Well start off by mounting the ETBC7 bracket to an existing bracket on the vehicle. Well take our gray wire and connect it up to our seven to four pole adapter.
Trailer Brake Controller Installation - 2009 Toyota Tacoma
Today on this 2009 Toyota Tacoma we are going to install a brake controller from Tekonsha, this is going to be the Prodigy P3 brake controller part number 90195. We are also going to use the install kit part number ETBC7. The truck has the factory 4-pole already in place so what we are going to have to do is take down the original factory bracket with the 4-pole and then move it out of the way and install the new bracket that comes with the ETBC7 kit. This is the bracket that comes with the ETBC7 kit. It is going to be a tight fit but I think we can sneak it on there using the existing bolt holes. If it is a little bit tight just run a drill bit through there to make the one size a little bit bigger. 00:44
Trailer Brake Controller Installation - 2008 Toyota Tacoma
Today on this 2008 Toyota Tacoma pick up we will be installing Prodigy brake controller part number 90185 and we will also be using the brake control wiring kit part number ETBC7. We are going to start here at the rear of the vehicle and mount our 7-pole first. As you can see our vehicle here already has an existing 4-pole that we are going to be plugging our 7-pole adapter into. So in preparation I want to find a spot to go ahead and mount our 7-pole bracket to. On this Tacoma there is not a whole lot to work with. We typically like to mount it here on the back side of the bumper. Mounting at that angle would be kind of obnoxious. So I am actually going to be using part number 118136 which is a long bracket that will attach to the trailer hitch here with the use of a hose clamp. And then we can just mount our 7-pole bracket on like so.
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Breakfast sets the tone for your entire day, and gives you the energy to make it through your tasks. It may seem smart to skip it, since you'll be eliminating calories – but actually, you'll end up gaining weight because your metabolism slows and you'll likely binge later. In this video, WatchMojo.com gets a lesson from trainer Mike Pellegrini and dietitian/nutritionist Jasmine Ghoddoussi about breakfast. We get some great examples and recipes for our first meal of the day, including smoothies, a yogurt parfait, different breakfast wraps, and – of course – hearty oatmeal.
The biggest sale of the year, on now! Find almost $4 million worth of items such as cars, trips, furniture, gift cards and more at discounts of up to 50% off. Don't miss out as savvy shoppers will move fast to take advantage of these deep discounts. Sale ends Wednesday, April 1, at 9 p.m. Like it? Buy it before its gone. Brought to you by The Vancouver Sun and The Province.


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Reviews for Guzel Izmir OteliAddress: 9 Eyl�l Meydan� 1368 Sok. No:8, Basmane Konak, Izmir, Turkey
Rooms from: US$ 19.00
Ratings Explained
(Hostelworld.com and Affiliate sites)
The following reviews were submitted by customers who booked through our sister site, Hostelworld.com, in the last 12 months.
The ratings in the rating box are based on all-time feedback for the property and are the opinions of the customers who submitted them; they do not express the opinions of Hostelworld.com or our affiliate sites.
Overall Rating (7 Ratings)
Customer Reviews for Guzel Izmir Oteli
mehmetozmenphd8582, from Turkey ~ 8th Jan 2015
zoesun14124476, from China ~ 25th Dec 2014
travelswithluke, from USA ~ 4th Oct 2014
Katrina Sian, from New Zealand ~ 17th Oct 2014
fmpompa3342, from USA ~ 1st Aug 2014
fidaabbas3658, from Malaysia ~ 10th Aug 2014
hennik, from New Zealand ~ 20th Aug 2014
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araaugusta151768, from Germany ~ 29th Jul 2014


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10. Immolation – Providence
[Official Site] // [Facebook]
Providence is Immolation basically giving us more of the same, which just means more really quality death metal. Rob Vigna and Bill Taylor lay down some gnarly trems and pinch harmonics while Steve Shalaty rips it up on the kit. No bells and whistles here, kids – just riffs. And good ones at that. These five tasty tracks pick up where Majesty And Decay left off to show there's still plenty of momentum and longevity in this quarter-of-a-century-old band. Let's just hope Scion keeps footing the bill for more free metal of this caliber. – AngelOfDeath
9. Mogwai – Earth Division
[Official Site] // [Facebook]
It's been quite a long time since Mogwai has really been able to "wow" listeners. Their 1997 debut, Young Team did an admirable job, as did 2006's Mr. Beast, but high quality releases have been few and far between for the Scottish post-rock band. Their latest LP failed to make waves, and became a sort of "back burner" type of release. However, the creativity and intrigue absent on Hardcore Will Never Die, But You Will survived elsewhere, in the form of a little EP called Earth Division. Earth Division features more thoughtful songwriting, with more lush atmospheres and mellow instrumentation, as well as vocals, a Mogwai rarity. It stands out as wholly unique, with the beautiful and touching songs being some…


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- Caprice 9c1, EFI Connection 24x conversion tuned with HP Tuners by me. Ported GM aluminum heads and intake, 58mm BBK tb, 1 7/8 pro series stainless headers and 3 inch CIA Spintech exhaust, 3:73 gears, Eaton posi, 1.6rr Ultra pro Magnum rockers, 85mm 5 wire maf, Hot Cam, and cat delete. Racetronix fuel pump and relay harness. #30lb injectors, Aeromotive FPR, Meziere electric wp, Magnecore 10mm wires, Garys cables and harnesses. Black Cloud Transmissions build 4l60e, 3400 converter.


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A lightening arrester idea
A simple lightening arrester by G8NQN
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About A lightening arrester ideaThis resource is listed in dxzone.com under 1 categories. Its main category is Lightning protection for Ham Radio (Lightning protection for Ham Radio). "A lightening arrester idea" is listed in our web site index since Saturday Feb 19 2011 and till now received a total of 686 hits.
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The mission of the Rockford Park District Foundation is to assist the Rockford Park District by securing philanthropic support on its behalf and enhancing awareness of the District's benefits to the community.
Give Today!
Memorial Gifts
Help Me Play Fund
Jane Lyons Memorial Scholarship
This scholarship is made possible by the great generosity of Jane Lyons. Jane was a long time resident of Rockford who loved the game of golf, and was an avid supporter of girls' golf programs.
The Jane Lyons Memorial Scholarship for young women has been established within the Rockford Park District Foundation to assist girls who are pursuing an undergraduate degree and who have demonstrated that they enjoy playing golf. The recipient does not have to participate on a college golf team to be eligible for this scholarship.
One $2,500 scholarship will be provided annually, and will be renewable for up to an additional three years for a cumulative total of $10,000 provided the recipient meets the required criteria for renewal.
Application Deadline: April 1, 2015
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2014-15 Wishbook
Planned Giving
Planned giving enables individuals to truly make a difference for the youth of our community. Through a planned gift you can achieve your philanthropic desires, without negatively impacting everyday financial commitments of your personal well-being, or that of your family. Planned gifts can take many forms, some of which have estate and inheritance, income tax and capital gain tax advantages. All of these planned giving options should be discussed with a professional financial advisor or planner of your choosing to select the appropriate planned gift to fit your needs.
Click here to read more about the planned giving options.


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ONLY AT DEAN & DELUCA. An extremely popular holiday celebration cookie in Greece, Melomakarona are pastry cookies made with semolina, brandy, ground cloves and cinnamon, walnuts and nutmeg, and dipped in honey. Wonderfully tender and intensely flavorful, from the artisan bakers at Artopolis.
This product ships directly from our supplier and may require up to 24 hours to ship. Orders received by 11:00 am CST will be shipped the following business day. This product ships Monday - Friday.


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ATLANTA (AP) The Atlanta Braves had 16 position players on their roster for Friday's wild-card game against St. Louis and kept three starting pitchers active.
What:Falcons (4-0) vs. Redskins (2-2)
Where:FedEx Field, Landover, Md.
When:Sunday, 1 p.m.
TV:Fox WTTG-5
The Nationals, officially, have known they'll be competing in the postseason for two full weeks now, so they've had plenty of time to consider their 25-man October roster.
ATLANTA (AP) The St. Louis Cardinals are carrying 10 pitchers, one more than the Braves, on their 25-man roster for their NL wild-card game against Atlanta.
On day three of training camp and with the first preseason game fast approaching, Wizards coach Randy Wittman gave his players their first real "extended minutes" of the week, scrimmage s


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Why are the STF Weekends still midweek?
View Single Post
Archived Post
Lt. Commander
Join Date: Dec 2007
Posts: 120
# 10
how about just randomly alternating the dates and times of ALL events?
why does this have to be scheduled for one or two specific days in the week?
if you put somethinh on the same day in the same hour there will always be players who miss out.
for example i can't play Saturdays because that is car fixing day for me and my dad. Yet the Deferi GMT event is on saturday... so i need to play tuesday in the middle of the night to catch it at least once a week?
that SUX
randomize times and dates and everybody will have a chance at some point.


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What California state workers earn: operating engineers
Both state bargaining units affiliated with the International Union of Operating Engineers started contract talks aiming for substantial raises for their members. One got what it wanted.
Like other unions, IUOE locals 3, 12, 39 and 501 had long argued that their members needed a serious pay increase, especially those whose jobs are vital to running the California's vast State Water Project.
Last year, however, the union's case gained traction. Years of below-market salaries had made the state susceptible to poaching by federal and regional water authorities who paid far more. The disparity created a shortage of water project workers, state officials said, squeezed water deliveries and hindered hydroelectric power production.
Meanwhile, Gov. Jerry Brown was promoting a controversial plan for a massive water project to divert water around the Delta. The mass exodus of key water employees didn't exactly help that cause.
Politics and contract talks aligned. Last July, the governor and the union finalized an addendum to the union's contract that raised pay by up to 37.4 percent for 741 employees at the Department of Water Resources, which operates the State Water Project. The raises became effective immediately. The first-year cost: $18.3 million.
And what about IUOE Local 39, the other bargaining unit that pushed for a raise? They still don't have a contract. More about that in our next "what California state workers earn" post.
This is the ninth installment in a series of State Worker blog posts looking at what unionized government employees earned in 2013. The numbers feeding the series come from the state controller's payroll data. The figures include only regular pay issued to full-time employees represented by the 21 bargaining units that negotiate contracts with the state. Employees who earned less than $1,000 last year are not included in the calculations.
Bargaining Unit 12 – Craft and maintenance workers (International Union of Operating Engineers)
Number of full-time employees in 2013: 9,500
2013 average full-time pay: $44,284
2013 median full-time pay: $46,123
Number of full-time employees in 2012: 9,604
2012 average full-time pay: $44,734
2012 median full-time pay: $46,430
Number of full-time employees in 2011: 9,686
2011 average full-time pay: $42,951
2011 median full-time pay: $44,611
Note: During the three-year span covered by the above numbers, state employees were on and off furlough – twice. A new top-step pay increase kicked in last summer for senior employees. And a large number of state workers entered retirement. Keep those events in mind as you look at the figures.
About This BlogJon Ortiz launched The State Worker blog in 2008 to cover state government from the perspective of California government employees. Every day he filters the news through a single question: "What does this mean for state workers?" Join Ortiz for updates and debate on state pay, benefits, pensions, contracts and jobs. Contact him at firstname.lastname@example.com or 916-321-1043. Twitter: @TheStateWorker.
The State Worker
Join the Discussion
The Sacramento Bee is pleased to provide this opportunity to share information, experiences and observations about what's in the news. Some of the comments may be reprinted elsewhere on the site or in the newspaper. We encourage lively, open debate on the issues of the day, and ask that you refrain from profanity, hate speech, personal comments and remarks that are off point. Thank you for taking the time to offer your thoughts.


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(August 22, 2009: Quincy, MI 49082) The Pennfield Panthers volleyball team scored 2 points and limited the host Quincy Orioles to 0 in the Panthers non-league victory on Saturday.
The Panthers now have a 6-1 record. They put it on the line next when they travel to Portland for a non-league game on Saturday, August 22.
The Orioles (0-1) will now prepare for their game against Fremont (Fremont, IN). The Eagles enter the non-league game with a 1-1 record. In their last game, Fremont gained a win over Harding (Fort Wayne, IN), 3-1, in a non-league game.
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V.F. Corporation (VFC) designs and manufactures, or sources from independent contractors various apparel and footwear products primarily in the United States and Europe. This dividend champion has paid uninterrupted dividends on its common stock since 1941 and increased payments to common shareholders every year for 39 consecutive years.
The most recent dividend increase was in October 2011, when the Board of Directors approved a 14.30% increase in the quarterly dividend to 72 cents/share. V.F. Corporation's largest competitors include Coach (COH), Ralpha Lauren (RL) and PVH Corp (PVH).
Over the past decade this dividend growth stock has delivered an annualized total return of 18.50% to its shareholders.
The company has managed to deliver a 17.70% annual increase in EPS since 2001. Analysts expect V.F. Corporation to earn $8.04 per share in 2011 and $9.31 per share in 2012. In comparison V.F. Corporation earned $5.18 /share in 2010.
I last analyzed the stock in 2010, but never managed to pull the trigger, given the fact that I know little about apparel. I have been skeptical of most apparel and footwear industries, but V.F. Corp has managed to defy my skepticism. The company seems to have strong brands and pricing power, which could explain the reason why it has been able to earn sufficient amounts of excess cash to pay higher distributions for almost 4 decades.
In early 2011 the company updated its long-term targets to reflect confidence in its future. In short V.F. Corporation aims to add $5 billion in organic revenue growth and $5 in earnings per share over the next five years from 2010 levels. Strong growth in its highly profitable international and direct-to-consumer businesses is expected to fuel an expansion in operating margins to 15%. Over the next five years, the company's goal is to grow international revenues by 15% annually to comprise 40% of total revenues. V.F. Corporation's management team also expects 15% growth in its direct-to-consumer businesses, which should account for about 22% of revenues by 2015.
The company's acquisition of Timberland Brand, will help it acquire a strong lifestyle brand, and would result in higher sales as well as $35 million in annual synergies. This acquisition is expected to add at least 50 cents/share in 2011, at least $1/share by 2012 and $2/share by 2015.
The company's Return on Equty has been on a slow decline since hitting a high at 23% in 2003. This indicator seems to have hit a bottom in 2009, and is currently on the rebound. Rather than focus on absolute values for this indicator, I generally want to see at least a stable return on equity over time.
The annual dividend payment has increased by 11.20% per year since 2001, which is lower than the growth in EPS. I would expect V.F. Corporation to keep increasing in dividends at 10% per year at least for the foreseeable future.
An 11% growth in distributions translates into the dividend payment doubling every six and a half years. If we look at historical data, going as far back as 1986 we see that V.F. Corporation has actually managed to double its dividend every 8 years on average.
The dividend payout ratio has remained sustainable for the majority of the past decade. A lower payout is always a plus, since it leaves room for consistent dividend growth minimizing the impact of short-term fluctuations in earnings.
Currently V.F. Corporation overvalued and is trading at 22 times earnings, yields 2.10% but has a sustainable dividend payout. I am excited about the growth opportunities behind this stock, and the potential for dividend growth and capital gains. I would keep V.F. Corporation on my radar, and would consider it for inclusion in my dividend growth portfolio on dips below $115/share.
Full Disclosure: None
Friday, December 2, 2011
V.F. Corporation (VFC) Dividend Stock Analysis 2011
V.F. Corporation (VFC) designs and manufactures, or sources from independent contractors various apparel and footwear products primarily in the United States and Europe. This dividend champion has paid uninterrupted dividends on its common stock since 1941 and increased payments to common shareholders every year for 39 consecutive years.
Posted by D at 1:00 AM
Labels: stock analysis
2 comments:
Would you please comment on how you arrive at your entry price of $115 for VFC? Or for any stock that you deem overvalued. What parameters do you use to determine over/under valuation? Thanks for the great DG investing articles!ReplyDelete
Check this:ReplyDelete
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Chasing returns into—and out of—specific credit sectors happens so often in bond markets that it hardly rates a raised eyebrow. But running with the herd can be risky, which is probably why Federal Reserve officials reportedly have discussed slapping exit fees on bond funds to avoid a disorderly rush to the exit. (more…)
bond focus
Reaching for Yield: Worth the Risk?
Investors seeking more robust returns in a lower-interest-rate environment often look to high-yield bonds for answers. But it's critical that they don't reach too far down the credit spectrum in search of higher yields—as tempting as it may be. (more…)
Bond History: Rhyming, Not Repeating
When the Fed does eventually start raising interest rates, at AllianceBernstein we don't expect to see bonds experiencing the dire scenarios of 1981 or 1994. Instead, the 2003–2006 period of slow and measured rate normalization seems more likely. But it's not a perfect match, and we do see some important investment factors to consider. (more…)
High Yield: The Perfect Storm That Wasn't
In a year when the US Federal Reserve caused jitters over quantitative easing, the US government endured a shutdown and investors shifted focus to equities, it's no surprise that pure "duration-sensitive" bonds like US Treasuries had negative returns as interest rates spiked. But high yield emerged relatively unscathed, returning over 7% for the year. (more…)
Seven Lessons Every Fixed-Income Investor Should Learn from 2013
After more than two decades of a fixed-income bull market, 2013 was not a great year for the bond market. Rates bottomed out, many mutual funds had negative returns and bond mutual funds experienced a record $80 billion in redemptions as investors hit the panic button. But it would be foolhardy to assume that 2014 will be a repeat year for fixed income. Rather, the bond market has become more complex and will likely reward those who closely study what worked, what did not and why. (more…)
Dig Deep—Then Dig Some More—to Uncover Risks in EM Corporate Debt
Emerging-market (EM) corporate debt returned big numbers for investors in recent years, as the sector rode a general wave of optimism about the future. But those days are gone. In 2013, successful investors have had to take a more painstaking path. (more…)
Are Bank-Loan Investors Getting What They Bargained For?
Ashish Shah (pictured) and Ivan Rudolph-Shabinsky
Investors who chose high-yield bank loans over high-yield bonds earlier this year, expecting to be insulated against rising rates, might be surprised to find that bonds might have worked out better. (more…)
GSE Reform Lumbers Up to the Starting Gate
Momentum is finally building to do something with Fannie Mae and Freddie Mac. The bipartisan Corker-Warner proposal, now making the rounds on Capitol Hill, aims to dissolve the GSEs and start fresh. Meanwhile, Fannie and Freddie are testing innovative mortgage-security structures that transfer the risk of borrower defaults to the private sector. (more…)
Beware the Dangerous Stretch for Yield
The US Federal Reserve talked in early summer about tapering its quantitative easing plan and raising interest rates—in part to stop investors from chasing yield into the arms of riskier loans. In the high-yield market, however, the conversation had exactly the opposite effect. (more…)
With Rates Going Up, Give Bonds Some Credit
After the bond market's stumble last quarter, defending against rising rates has moved front and center for many investors. One approach that has been effective over time has been exposure to credit-oriented sectors and strategies. (more…)


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Capricorn (astrology)
New millennium astrological chart
|Astrology portal
Capricorn (♑) is the tenth astrological sign in the zodiac, originating from the constellation of Capricornus. It spans the 270–300th degree of the zodiac, corresponding to celestial longitude. Capricorn is ruled by the planet Saturn. Under the tropical zodiac, the sun transits this area from December 22 to January 19 each year, and under the sidereal zodiac, the sun currently transits the constellation of Capricorn from approximately January 15 to February 14. In astrology, Capricorn is considered an earth sign, introvert sign,[1] and one of the four cardinal signs.
Capricorns are often mistaken as boring people. This is a typical stereotype. Every sign has one and quite often it's not true. Capricorns like to be social and feel included. They try to be an outgoing person but when you first meet them they are going to come across very shy and innocent but once you get to know they come across as more of a carefree soul. Capricorns are very confusing and complicated people. They are very good at hiding their true feelings, but are super emotional on the inside and nobody knows. They care what people think, and hate being doubted. They like to get the job done. They are reserved people and want nothing more but to fit in. When they trust you and are comfortable around you they tend to be more open and free to be them self. Make them feel good about themself. They emerge from positive vibes and self confidence.
Capricorn-Sagittarius cusps (those born from December 22 to December 28) are considered to be slightly different from the typical Capricorn, being more outgoing, jovial and less ambitious and money-orientated than the Capricorn who is not born on a cusp.[2]
In astrology, a planet's domicile is the zodiac sign over which it has rulership. The planet said to be ruler of Capricorn is Saturn.[3]
Modern astrological figure for Capricorn as a fish-tailed goat derives from the depictions of the Sumerian god of water Enki, who was associated with semen and amniotic fluid, and hence with fertility, and commonly represented as a half-goat, half-fish creature.[4]
Cultural significance[edit]
In India, the day when the Sun enters the sidereal zodiac sign of Capricorn is celebrated as the Makara Sankranti festival. It should be noted here that the Indian astronomical calendar is not based on the Western sidereal system but has a differential lag. Hence, the festival is celebrated on either of 14 or 15 Jan every year, when, as per the Indian astronomical calendar, the Sun enters the Capricorn sign.
- ^ Jeff Mayo, Teach Yourself Astrology, pp 38–41, Hodder and Stoughton, London, 1979
- ^ "The 12 Signs of the Zodiac: Capricorn". Retrieved August 22, 2014.
- ^ Heindel 1919, p. 81.
- ^ "Ea", Encyclopedia Britannica, retrieved October 1, 2014
- Heindel, Max (1919). Simplified Scientific Astrology: A Complete Textbook on the Art of Erecting a Horoscope, with Philosophic Encyclopedia and Tables of Planetary Hours (4 ed.). Rosicrucian Fellowship. OCLC 36106074{{inconsistent citations}}
External links[edit]
- The dictionary definition of Capricorn at Wiktionary
- Media related to Capricorn at Wikimedia Commons


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Panasonic FV-07VFH3 Bathroom Fan, 70 CFM WhisperFit-Warm Low Profile Ventilation w/ Heat - for 4" Duct
This item is no longer availableFor your convenience, we recommend:
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Panasonic FV-08VFL4
Panasonic WhisperFit-Lite Bathroom Fan w/ Light, 80 CFM For 4" DuctView this item
Are you looking to add both ventilation and heat to your bathroom? Don't waste time and money installing different devices to do what the Panasonic Bathroom Fan, 70 CFM WhisperFit-Warm Low Profile Ventilation w/ Heat - for 4" Duct can do, all in one device! This extremely efficient duct fan can process 70 cubic feet of air per minute, giving you the freshest air circulation possible without odors or too much humidity. The built-in heating element also heats your small bathroom quickly and effectively to keep your temperature consistent at all times.
The Panasonic Bathroom Fan, 70 CFM WhisperFit-Warm Low Profile Ventilation w/ Heat - for 4" Duct is built with the consumer in mind. The removable filter collects dust makes it super easy to clean and its small size fits best in a 2"x6" joist cavity or almost any ceiling space. A galvanized, stainless steel framework coupled with rust resistant paint ensures that the unit won't succumb to external wear and tear, while the heating unit sports Nichrome wire with magnesium oxide that promotes optimal electrical insulation and heat transfer. This unit is a perfect fit for any small bathroom and is easily installed right out of the box.
Please check your available ceiling space to ensure there is adequate room for bath fan housing!
• Easy installation
• Rust proof paint treatment on galvanized housing
• Contemporary grille design
• Thermal fuse protection
• Meets Washington State Ventilation and Indoor Air Quality Code
• California Title 24 Compliant
• Motor Type: AC
• Type of Motor: Bearing Ball
• Thermal Fuse Protection: Yes
• Blower Wheel Type: Sirocco
• Duct Diameter (Inches): 4
• Mounting Opening (Inches sq.): 10-3/5
• Grille Size (Inches sq.): 12-3/5
• Heater: Yes
• PTC Heater: Yes
• Directional Louver: N/A
• Heating Element (Watts): 1,300
• UL tub/Shower Enclosure: Yes
• Washington VIAQ Code: Yes
• California Title 24 Compliant: Yes
• Mfg in ISO 9001 Certified Facility: Yes
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Is the Panasonic FV-07VFH3 powerful enough to vent and warm up a 6 x 8 bathroom?
To find the right size fan for your room, feel free to use our CFM calculator!http://www.westsidewholesale.com/faq/v/q/cfm-calculator/cfm-calculator.html
Is the Panasonic FV-07VFH3 a circulating fan with a heater or is it an exhaust fan with a heater?
According to Panasonic, this model's air direction is both exhaust and circulation, which means this model can exhaust out.
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September 12, 2013 - General
The Technology & Maintenance Council of ATA said 128 technicians from around the U.S. won their way to Pittsburgh for the 2013 SuperTech competition by topping hundreds more competitors in state-level contests. SuperTech, now in its ninth year, is the highest level in the nationwide competition that encourages talented young people to become truck technicians and honors them for their prowess. Photos by Marsh Galloway, courtesy of the Technology & Maintenance Council, http://tmc.trucking.org.
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We offer e-newsletters that deliver targeted news and information for the entire fleet industry.
The expert, Mark Betner from CITGO, will answer your questions
The expert, Rence Oliphant from Hendrickson, will answer your questions
Drones And the Future of Package Delivery
How Will 3D Printing Affect Trucking?
Ultimate Test Drive Video: Brain and Brawn
Ultimate Test Drive Video: Small Block, Big Load
Webasto Releases Advanced Heater Controls
V-Flap II is An Aerodynamic Mud Flap
Cloud-Based In-Cab Video System Launched
Fan Drive Cools Better in Severe Applications


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You won't be able to dismiss this by usual means (escape or click button), but you can close it programatically based on user choices or actions.
"WPD makes it so easy to customize font and colors. Even the stuff that doesn't have a text box when in the personalize stage of ordering, they were able to change. They turned out beautiful!"
"Such beautiful save the dates!! The paper is much thicker than I thought it would be, and they are really lovely. I can't wait to send them out! They arrived much sooner than expected as well. Thank you so much!"
"We chose the fern color and used the London Book fonts. Turned out lovely. I was impressed by the paper quality, the print quality, and the overall look of the cards. I ordered these without getting paper samples in the mail and was very pleasantly surprised. Worth every penny. Thanks!"
"Our wedding is in the Fall so we decided to use this design for our save the dates. Requested some color changes and the result looked fantastic!"
"I used a black and white engagement picture which looked awesome with the bold white block lettering. My order arrived super quickly...I ordered 150 cards on a Tuesday, got an email saying my order was ready to ship on Wednesday, and received the cards Friday! The paper is much thicker than I expected, like a really thick card stock. I have gotten a lot of compliments! I definitely recommend! :)"


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Scenes from the Capitol Hill Ice Rink
The Capitol Hill Ice Rink was opened today by Mayor Mike McGinn in Cal Anderson Park. The skating rink, an idea by Capitol Hill real estate manager Michael Oaksmith, is now open daily through Christmas Eve. Cost is $12 for adults and $6 for children. Watch the opening of the Capitol Hill Ice Rink below: […] [Read More]
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Woman charged with allegedly stealing $39K from Lutheran Social Service
WILLMAR -- A 28-year-old Litchfield woman made her first court appearance Thursday on a single felony theft charge for allegedly stealing $39,516.99 intended to help students pay school expenses.
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Shearwater 39 Schooner Sighting
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For the last few days, I believe I spotted the 39' Shearwater schooner on a mooring off of Shelter Island in San Diego Harbor, just east of the Island Palms Best Western opposite the public beach firepits. I was there on a business trip and she stood out among all the plastic boats. Unfortunately, my only photo op was early this morning with my phone and the low morning sun backlighting her. The pic quality is poor, but I'll try to post it soon. If somebody is in the area, I'm sure the group would appreciate a better shot of this beautiful schooner. She looked magnificent.
Jon Kolb
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Cupcake Décor
Add a Comment
Here at Goodyblog we hold a very special place in our hearts for all things cupcake. Which is why I can't resist giving you a sneak preview of this totally fun (and pricey – $750 a pop to be exact) new Birthday Table. It'll be sold on Babesta.com by the end of November and will come in ten different flavors – I mean finishes – including yellow, red, metallic silver and brown. So yummy!
Tags: Birthday Party, Food and Drink, home decor, shopping, trends | Categories: Birthdays, Shopping & Gear
Must Read
by Ann
On October 23, 2007 at 9:55 am
My daughter would love this for her new room. Makes me a litte hungry for cake!<
by Mary
On October 23, 2007 at 12:50 pm
I am planning a cupcake themed birthday party for my daughter. This would be perfect.
by adrienne
On October 23, 2007 at 3:35 pm
Will it fit in my oven?
by April Harris
On October 23, 2007 at 5:08 pm
I absolutely love the cupcake table…WOW – what a fantabulous creation!!
On December 9, 2007 at 8:30 am
i have a site called allthingscupcake.com and we have featured this item as well. I LOVE IT!
by Codeine.
On May 10, 2009 at 11:57 am
Is codeine legal.
Allergy to codeine.


text: 1500 pts Summer Survey <K945 Krewe Jupiterimages/Thinkstock Do you love the summer? Planning on a vacation? Let us know and earn VIP points! Sign in to Participate Category: Q & A Ends: Sunday August 31 at 9:00PM CDT Share on Facebook Share on Twitter More Leave a comment Send to a friend! Print this page Pin it! Reddit This! Share on Tumblr! More Ways To Get and Use Points Win $2,500 Cash!Win a ChromebookWin a $100 Visa Gift CardWin a $500 Apple Gift CardWin a ZVOX SoundBase 670 Home Theater Sound SystemWin a $250 Target Gift Card


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Sports Columns
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Someday, Mike and Kelly Xiarhos will tell their child about the time they went to the World Series at Fenway Park. They'll talk about the crowd going crazy, Lester twirling a gem, Napoli … more
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If Vegas decided that betting on high school football was a good racket to get into – please ignore the immorality and illegality of that idea – the men in charge would have a remarkably tough … more
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John Altieri was always supposed to make history this season, but this wasn't how it was supposed to happen. Not with a badly injured and fragile shoulder, not after an empty season, not as part of … more
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As they were eating lunch at California Pizza Kitchen last Monday, Colin Tierney and his buddies from Bishop Hendricken couldn't have imagined the devastation that would soon unfold on the … more
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Athletic pursuits were not my forte when I was a kid. I had just enough athleticism to look like I could be good, but not nearly enough to actually be good. Every fall, though, I signed up for … more
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When Installing a New Rom, Do I have to perform "Wipe data/Factory Reset"?
Or Can I just Click the "Clean to Install New Rom"?
As above but does not wipe internal SD card..
Also be careful with wipe to install a new rom this wipes your system so make sure you have a rom ready to flash on your sd card
XDA Developers was founded by developers, for developers. It is now a valuable resource for people who want to make the most of their mobile devices, from customizing the look and feel to adding new functionality.
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publications.li is a portal dedicated to academic publications. It offers the following services:
- web-based collaborative writing of research papers in LaTeX, using \BlueLaTeX that is open source on Github)
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Battlefield Hardline VGA graphics performance review
OCZ Vector 180 - 480 and 960GB SSD review
AMD FreeSync Review With the Acer XG270HU Monitor
Nvidia GeForce GTX Titan X Review
Corsair H80i GT review
Plextor M6e Black Edition PCIe SSD Review
Corsair Carbide 100R Silent review
ECS Z97I-Drone motherboard review
USB 3.1 review: 10 Gbps USB with the ASUS Z97-A
Guru3D Rig of the Month - February 2015
Inno3D GeForce GTX 480 iChill Black Series review
Posted by: Hilbert Hagedoorn on: 06/10/2010 02:00 PM [ 0 comment(s) ]
We test and review the Inno3D GeForce GTX 480 iChill Black Series. This GeForce GTX 480 graphics card is liquid cooled. With a liquid cooled loop you can bring down temperatures towards roughly 50 Degrees (under full load), that's roughly 40 degrees less than the reference cooler offers. Obviously you'll need a proper water-cooling setup to add this card to but yeah, today we'll review the i-ChiLL GeForce GTX 480 Black Series equipped with a liquid cooling block. In the package we'll spot a "full cover" water-block that is responsible for cooling down the GPU, Voltage Regulators, I/O chip, memory modules, and other critical components. Read article
« Danamics LMX Superleggera review · Inno3D GeForce GTX 480 iChill Black Series review · G.Skill Phoenix 100GB SSD review »


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Akikan Episode 4
You are going to watch Akikan Anime Show for free with English Subs Episode 4 Online.
if Akikan – Episode 4 are not working, please try one of the Video Mirrors.
Upload by: chia214
Updated: November 8, 2012
You are watching Akikan Episode 4 in High Quality English subbed. Akikan Episode 4 is from Akikan anime series. If you enjoyed Akikan Episode 4 please share it with others! Please note that this Episode is hosted on a third-party video sharing website, and it is not affiliated with Chia-Anime.


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In my application I use ADO.NET Entity Data Model for data access. I have the table categories (id, parentId, name, displayName). I want to access the children of a category. Does ADO.NET Entity Data Model support this behavior ... or I have to query manually each time? I would prefer to have the children in a List property that is lazy loaded.
Radu D


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Tue September 18, 2012
Zoo Staffers Gave Panda Pro-Pregnancy Pep Talks
Panda Mei Xiang hadn't given birth in seven years. After five attempts of trying to help her get pregnant, workers at the National Zoo were worried. So they started talking to her. One panda keeper told Mei Xiang, "I know you can do this." It worked — she gave birth Sunday night.