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James Twining CFP®
- Bellingham, WA
- (503) 549-1246
About James
"Experienced CFP, fee-only, Independent RIA, passive investment philosophy, DFA qualified"
I believe that investors have been taken advantage of by the investment industry for far too long. I want investors to have a more positive experience; to rely upon unselfish advisors who honor their values and care about them as people; to have some semblance of financial security and to achieve success.
My experience as a broker taught me the dark side of the investment business; the obsession over sales and revenue, the hidden costs, the conflicts of interest, and the lack of interest in delivering comprehensive financial planning that is so crucial to the successful attainment of important goals.
That experience has given me the ability to easily spot the common vices in the investment business, and motivated me to become completely independent in order to engage in more virtuous business practices. I partner with clients to manage their wealth with a focus on reducing conflicts of interest, containing their costs, and providing total transparency. I deliver comprehensive financial planning advice, behavioral coaching, and education. This is of great value to my clients; far more than mere investment portfolio design and management.
Education, , Loyola Marymount Univesity, University of Southern California
RegistrationsIndividual CRD #1225894
Certified Financial Planner (CFP) is a designation issued by the Certified Financial Planner Board of Standards
Educational/Exam Requirements:
- Completion of CFP-board registered study program, or alternative degree or certification, demonstrating mastery of over 100 topics surrounding financial planning
- Pass 10 hour exam testing knowledge in financial planning situations
Prerequisites/Experience Requirements:
- A bachelor's degree (or higher) from an accredited college or university, and
- Three years of full-time personal financial planning experience
Public Disciplinary Process? Yes
Continuing Education Requirements: 30 hours every two years
Typical ClientsExecutives People near retirement Seniors
How I Can HelpPersonal Finance Retirement Investing
Fee StructureFee-only Commission and Fee Commission Hourly Other Contingency
Typical minimum Client Assets:$1,000,000
Contact:Phone: (503) 549-1246 Address: 103 E Holly St, Suite 505
Bellingham, WA 98225 firstname.lastname@example.com http://www.FinancialPlanInc.com
James has answered 47 questions
26 out of 27 found this helpful
Many folks are intimidated when buying or selling precious metals. I'm glad you are there to help
Many folks are intimidated when buying or selling precious metals. I'm glad you are there to help your grandmother to sell her gold bars.
First, you want to deal with a local gold dealer. Almost all towns have at least one store that buys and sells gold, silver, coins, and other collectibles. Shipping gold is expensive because 1) it is heavy, and 2) it's value makes insurance necessary. By bringing the gold bars to a local store yourself, you avoid those costs.
But before you bring the gold to a store, call two or three of them and get price quotes. Look at the gold bars for any brand names or "hallmarks". Some of them will add to the value of the bar. Most bars, however, are simply worth the "spot" price of raw gold bullion. The spot price is a price that is widely quoted. Compare the quotes and bring the bars to the store with the highest quote. It should be a price that is quite close to the spot price; certainly not more than 2% less.
One other item to be aware of: gold is considered a "collectible" for income tax purposes. This means that there is no favorable capital gains tax treatment. Capital gains on gold are taxed at a high 28%. If your grandmother has income that is low enough, you may be able to sell portions of her gold each year without tripping an income tax. For specific tax advice, talk with a competent CPA. All the best!
34 out of 38 found this helpful
Ah…the age-old debate between commissions and fees! To really understand the difference, realize
Ah…the age-old debate between commissions and fees! To really understand the difference, realize that in the investment business there are not one, but two distinct business models:
1) securities sales, and 2) financial advice.
A security salesman may call him/herself a financial advisor, a financial planner, a "fee-based advisor" or any other number of other titles, but the fact is that a security salesman is not being paid to give advice. The proper titles for a salesman include stock broker, registered representative, or insurance agent. Like any salesperson, he/she is being paid a commission to sell a product for a financial institution. The salesman must be a registered representative
of the institution; so an easy way to identify a salesman is to look on his/her
business card, website, or yellow page advertisement for that term. If you see the term "registered representative", you are dealing with a salesman, regardless of the title he/she uses.
Your salesman may be attempting to do the very best he can for you; most do. But there is a
problem: he doesn't work for you. He works for, (and is paid by) the institution he is registered with. That institution is likely to reward him most for selling products that are highly profitable for the firm. Those products tend to be the most expensive products for you. An unscrupulous salesman may sell the products that pay the highest commissions: notorious in this area are limited partnerships, non-traded REITS, fixed and variable annuities, and permanent life insurance policies. Not coincidentally, these products tend to be illiquid, subject to surrender charges if not held for a number of years, and with high internal ongoing costs.
Some salesmen may frequently buy and sell stocks or bonds within your account as a way to generate commissions. This practice, known as "churning" is detrimental because of the cumulative costs.
But the biggest problem with a commissioned salesperson is that most of them give biased and inferior financial advice. They are not paid to give advice, and their judgment is clouded by their end goal of selling a product. As they say, "You get what you pay for", and with a salesman, you get a product.
If you want advice, hire an advisor. An advisor is paid to give advice, not to sell a product. I would look for the term "fee-only" to insure that you are truly dealing with an advisor. An advisor works for you, not for an institution. You pay the advisor directly for advice, and you do not pay commissions, because the advisor does not sell products at all. Instead of selling products, an advisor buys securities for you. The conflict of interest inherent in commissioned sales is gone; an advisor generally is paid a fee based upon the size of your account. You are both motivated to have the account grow; when you prosper, your advisor prospers; when you suffer, your advisor suffers.
The advisor is financially motivated to help you succeed, and that includes selecting securities that are low in cost. In my experience, investors who rely upon salesman pay on average more than 2.5% per year for their investments when all components of cost are added together (loads, 12b1-fees, turnover costs, and cash drag). A cost-conscious advisor who uses a passive strategy is likely to cost less than half of that, even when the fee for advice is included.
The value of advice goes beyond investment selection. A competent advisor will give valuable advice in all the major areas of a financial plan: cash reserve and liability management, savings and withdrawal rates, education planning, advanced income tax strategy, projections to determine feasibility of retirement, insurance evaluation and estate transition. Most importantly, an experienced advisor can act as your "behavioral coach", preventing you from making costly mistakes such as market timing and holding concentrated positions. This comprehensive financial planning advice is often a bigger factor in your success than anything else.
In summary, I advise you to retain the services of a fee-only advisor.
12 out of 12 found this helpful
Congrats on taking care of something that many people put off indefinitely. A basic estate plan usually
Congrats on taking care of something that many people put off indefinitely.
A basic estate plan usually consists of wills, (one for each spouse), powers of attorney (one for each), medical powers of attorney (one for each) and medical directives (one for each). Some basic estate plans may include a community property or separate property agreement as well. The price range for a basic estate plan is wide; I have seen attorneys charge anywhere between $800 to $4,000.
I recommend that before you meet, ask the attorney what the cost will be. This lets the attorney know that you are fee-sensitive, and he/she will be more likely to be reasonable on price. In my humble opinion, a reasonable fee for a basic estate plan is in the range of $1,000 to $1,500.
A trust is a substitute for a will, and is not usually considered part of a basic estate plan. Trusts can be living or testamentary, revocable or irrevocable. Some trusts are quite simple, while others can be very complex. The price range for drafting a trust varies widely; some can be many thousands of dollars.
The most common type of trust is a revocable living trust. These trusts can have many uses, but the most common is probate avoidance. Assets that are titled in the trust do not pass by will, and are not part of the probate estate. This can save the time and cost of probate. Before springing for a revocable living trust, consider that many assets can be titled to avoid probate. For example, a non qualified bank or brokerage account can be titled "TOD" (transfer on death) with beneficiaries listed. In effect, this puts the account into a simple trust, and there is no cost for this. In 23 states a real estate asset such as your home can be also be titled TOD (also known as a "beneficiary deed"). Most states have a standard form that can be completed and filed to retitle the asset. Finally, all retirement plans including 401k, pension, IRA, Roth IRA and others, plus insurance plans such as permanent or term life, fixed or variable annuities etc. have beneficiary designations, and already pass without probate.
All basic estate plan documents and trusts can be drafted online as well, through sites like willmaker and legalzoom. The cost for a basic estate plan through one of these sites is a few hundred dollars, and a revocable living trust is a few hundred dollars as well. Although this is a far less expensive route, I find the quality to reflect that lower cost. I might consider drafting the basic estate plan on such a site, but I would avoid using them for more complex documents such as trusts.
Hope this helps!
10 out of 10 found this helpful
I am assuming that your annuity is the common "deferred annuity", which carries a surrender
I am assuming that your annuity is the common "deferred annuity", which carries a surrender charge, and by "maturing" you mean that the surrender charge will disappear in January. I am assuming that the annuity has grown in value, and I am also assuming that it is a "variable" annuity, meaning that it is invested into various "subaccounts" with market values that fluctuate. Finally, I am assuming that the annuity is not held inside a qualified retirement plan like an IRA or 401k. If any of those assumption are incorrect, let me know, as that would change my answer.
If the assumptions are indeed correct, then the first part of the answer is easy: It is in your best interest to get out of that annuity in January. You are not required to; if you so choose you can stay in the annuity, but that is not advisable. The reason for this is simple: all of the deferred annuities that were sold with surrender charges are more expensive than they need to be. It is quite likely that when the various hidden costs including the M&E charge (mortality and expense), the sub-account expense ratios, the transactions charges based on turnover, the administrative charge, and cash drag are totaled together, your total expenses are north of 3% per year, and perhaps even 4% per year. Contrast that with an annuity that does not pay a commission to an insurance agent; some of these annuities charge only about .6% per year when all costs are totaled. If you retain the services of a fee-only financial advisor, your "all-in" costs are likely to be half of the costs you are paying now, and in addition you will obtain valuable ongoing advice. The new annuity will provide various sub-accounts as well, and a conservative portfolio can be built within the new annuity. The technique I would use to transfer from your existing annuity to the new less expensive annuity is the "1035 exchange", also known as a "like kind" exchange. You may be familiar with the "1031" like kind exchange that applies to real property. The 1031 exchange is the equivalent for insurance contracts such as deferred annuities.
You have not yet paid income tax on the growth within your annuity. Through a 1031 exchange, the tax deferral will continue; in other words you will not pay income tax when you exchange to the new annuity. The income taxes are only paid when a deferred annuity is liquidated, either as a monthly installments or a lump sum.
If you liquidate the annuity rather than 1035 exchanging it, you will pay income tax on the amount over your cost basis (the "deferred interest") at ordinary income tax rates. For example, if you originally deposited $100,000 into the annuity, you would owe tax on the $35,000 "deferred interest". This can be a viable option if you are in a low income tax bracket year. For example, you may have a year with large medical or charitable expenses, and that may allow you to liquidate the annuity and pay tax on the $35,000 in a very low tax bracket.
More likely it will benefit you to take the taxable income gradually over time, in which case a 1035 exchange to the new low-cost annuity followed by systematic withdrawals from the new annuity will make more sense. If the annuity is completely liquidated rather than 1035 exchanged to a new annuity, I would recommend a massively diversified account in which the majority of the account is invested into passively managed bond funds containing short term high quality corporate, treasury, mortgage, and TIPS bonds. A smaller percentage (perhaps 20% to 30%) of the account would be invested into passively managed equity funds containing domestic, international, emerging, and real estate equities.
When you turn 70 1.2 you will be required to begin withdrawals from your 401k. Unless there is "after tax" money in your 401k, every penny of those withdrawals will be taxable. The annuity, on the other hand, contains a significant amount of "after tax" money. Your deposits to the annuity have already been taxed, so you will not pay tax when they are withdrawn. Deferred annuities withdrawals are treated as interest first, principal second. Assuming that you have a cost basis of $100,000, the first $35,000 in withdrawals will be taxable, but the last $100,000 in withdrawals will be considered a tax free return of principal.
Once you have withdrawn the first $35,000, you may be able to enjoy a very low tax bracket for a few years as you live on the other $100,000. This may even allow you to take tax free Social Security benefits, as the taxability of Social Security benefits depends upon the amount of other taxable income you receive. This window of opportunity is likely to close when you are 70 1/2, because the required distributions from your 401k are likely to push you into a higher tax bracket.
I have only scratched the surface here: there are many caveats and other factors that may influence your decision. I would retain a competent fee-only CFP.
All the best!
29 out of 36 found this helpful
I concur with Jarrett's advice, and I would add this additional perspective: Using someone else's
I concur with Jarrett's advice, and I would add this additional perspective:
Using someone else's money to buy an asset (like a house) is sometimes referred to as "leverage". A lever amplifies an input force to provide a greater output force. In the same way, a small amount of home equity (the down payment) can appreciate dramatically, even if the home appreciation is modest. For example, a $1 million home is purchased with a 10% down payment, or $100,000. This $100,000 is the purchaser's equity. Subsequently the home increases in value by 10% to a value of $1,100,000. This results in a dramatic equity increase of 100%, as the equity doubles from $100,000 to $200,000. Of course if the home depreciates by 10%, the equity disappears. This volatility in equity is both the blessing and the curse of real estate investing with leverage: potentially higher return; higher risk.
Another point: If you hold a significant portion of your investment portfolio in long term fixed income securities, a long term fixed mortgage can counteract the detrimental effects of rising interest rates and rising inflation. The long term bonds may be the worst possible investment to hold in an inflationary scenario, but having a long term fixed mortgage may be the best. For example, let's assume that the prevailing long term 30 year rate on both U.S. Treasuries and fixed mortgages is 4%. Subsequently, both inflation and long term rates rise to 10%. Your portfolio of 30 year treasury bonds is still earning 4%, but in real inflation adjusted terms, it is losing 6% per year. However, you are still only paying 4% on your mortgage, but the balance you owe in real terms is declining by 10% per year.
In summary, a long term fixed mortgage can amplify your return on equity in the likely event the home appreciates in value, and it is also a great tool in an inflationary environment. Other benefit include the forced savings and the tax advantages. I would have to know more to give you specific advice, but in general if you have a long time horizon and are willing to invest in equities, I would likely go the mortgage route.
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16 Angel Crafts to Make: Homemade Christmas Ornaments & Decorations
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Nature's Quick and Easy Ornaments
By: Kathleen George for STYROFOAM Brand Foam
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Handmade ornaments showcase the colors of nature, including pumpkin seeds, chili peppers, dried peas and moss.
STYROFOAM Brand Products:
- Ball 4"
- Dried materials: pumpkin seeds, chili peppers, dried split peas, moss, pinecones
- Straight pins
- Acrylic finish, low gloss (optional)
- Ribbon, 12" per ornament
- Thick, white craft glue or low temperature glue gun and glue sticks
- Nature's Quick & Easy Ornaments
General directions:
- Working on a small section at a time, cover portion of ball with glue and glue on dried materials; continue, working a section at a time, until ball is covered. Let dry.
Split Peas:
- Glue split peas as close together as possible. Model pictured has alternating quadrants of yellow and green split peas. Stripes and swirls are other design options.
Cover ball entirely with moss.
Wrap ribbon around ball, pinning at top and bottom of ball (optional).
Pumpkin Seeds:
Glue pumpkin seeds as close together as possible.
Cut apart pinecone; starting at the bottom, glue individual leaves in a row around ball.
Add another row, overlapping the first.
Continue adding rows, overlapping each row, until ball is covered.
Chile Peppers:
Glue peppers as close together as possible; to keep peppers in place, pin top and bottom of each pepper to the ball.
To Finish:
Spray ornaments with acrylic finish (optional).
- Tie ends of ribbon together, forming a bow. Place dab of glue on top of ornament; pin and glue bow to ball, forming hanger.
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you could always take a cear glass ball and fill it with the dried peas, etc.
d2pacnuts 0584705
Nov 01, 2011
wonder if you could make paper mache balls from leftover grocery sacks instead of using styro... at least you'd be recycling!
kuriann 0282104
Dec 27, 2010
The title comes from the look of the finished ornaments. The ornaments start with a styrofoam ball, but are covered with natural items. If correctly done, you do not see the styrofoam in the finished product.
Dec 13, 2010
I dont have a styrofoam ball. :( now what?
risa987 3421134
Dec 09, 2010
Pretty, but....seems funny to title this 'Nature's Ornament', when it starts out with using a styrofoam ball. Sounds like an oxymoron, to me.
Dec 07, 2010
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NEW! - Issue 53:4
David Grandy leads off BYU Studies Quarterly 53, no. 4, finding spiritual meaning in the physical properties of light. Next, he teams with Barry Bickmore on an article about what "science" really means and how seeing science as telling "stories" is useful…
Recent Most Popular Journal - Issue 46:1
Through his personal interest in World War I, George S. Tate finds deeper meaning of D&C Section 138. Remembering the circumstances of 1918—the war, pandemic flu, and Joseph F. Smith's loss of a son—makes the assurance of divine love and ultimate redemption found in D&C 138 more poignant.
Gathering as One
Discover the history of the beloved Salt Lake Tabernacle in this new book from BYUPress. Like no other book before it, this beautiful volume tells the story of this striking building through hundreds of photographs.
Mapping Mormonism: 2nd Edition
Mapping Mormonism's first edition proved to be a landmark reference work in Mormon studies; now it is further improved and updated with the latest information in this second edition. This work covers the early Restoration, the settlement of the West, and the expanding Church, giving particular emphasis to recent developments in the modern Church throughout all regions of the world.
Joseph Smith
See our collection of articles and books on Joseph Smith. Additionally, see our website which maps the chronology of Joseph Smith's life.
Church History Chart
This chart is available as a poster or a booklet. It presents a comprehensive 210-year timeline that shows church growth, such as the number of temples, number of Book of Mormon translations, and church membership over time along with major historical events, dates and information about each LDS President's administration.
Poetry Contest
Submit your original poetry to the BYU Studies contest.
Essay Contest
Submit a personal essay to the BYU Studies contest.
What is BYU Studies?
The original Mormon Studies journal has been published continually for over 50 years. In this quarterly journal, you will find articles from experts in a variety of disciplines – from Church history and ancient scripture to art, music, and literature.
Staff of BYU Studies
Who are the faces and what are the names of BYU Studies?
Joseph Smith Chronology
This chronology introduces readers to the energetic pace and broad scope of concerns that characterized the daily life of the Prophet Joseph Smith. It lists events that can be tied to specific days or weeks. Each event is briefly summarized in this chronology.
LDSFAQ is a website with over 400 questions about history, doctrine, and beliefs of the LDS church. Concise answers will be provided in a few paragraphs. All answers are supported with references and related questions are linked to one other.
The disaffection of Church leaders in high place has always been a topic of much interest and concern. Since motives for dissent are usually difficult to determine with certainty, the historian must search for feeling as well as fact in his pursuit of understanding the apostate. Thomas B. Marsh, the first President of the Quorum of Twelve Apostles, became an apostate in 1838 in the heat of the so called Mormon War in northwestern Missouri. Unlike most dissenters, Thomas Marsh finally returned to the Church that he had so bitterly rejected. Both his private and public statements, after he rejoined the Church, turn out to be confessions of guilt and reveal his reasons for withdrawing in Missouri. While Marsh's experience was very personal, it nevertheless provides a poignant illustration to the larger Church membership of the dangers of being too critical of those in authority.


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Anna Sale appears in the following:
Final Pre-Iowa Debate Recap
Friday, December 16, 2011
Anna Sale, It's A Free Country political reporter, and Todd Zwillich, Washington correspondent for The Takeaway, discuss what went down at last night's GOP debate - the last before the Iowa caucuses.
Gingrich, the Firebrand Statesman
Tuesday, December 13, 2011
You're looking less mouthy these days," an elderly woman told Gingrich when he was signing books in Manchester, New Hampshire.
"You're right," he said. "I'm working on that."
Romney Tries to Reassure New Hampshire Voters
Monday, December 12, 2011
Manchester, N.H. —
After taking a week off to campaign and fundraise elsewhere, former Massachusetts Governor Mitt Romney returned on Sunday to New Hampshire, the only early state where he still holds his lead over former House Speaker Newt Gingrich.
Newt on Nation Building, In His Own Words
Friday, December 09, 2011
It's A Free Country got a hold of a rare copy of Gingrich's history dissertation – on the Belgian Congo. The work contains the seeds of the philosophy that has defined his political career – that a single leader with a big idea can shape the course of civilization.
The Gingrich-Cain Mutual Admiration Campaign
Monday, December 05, 2011
Former presidential candidate Herman Cain will reportedly endorse Newt Gingrich's bid for the presidency today, underscoring the thrust of momentum the former Speaker has picked up with Cain's exit.
After 60 Minutes Report, Gillibrand Targets Insider Trading in Congress
Thursday, December 01, 2011
Less than three weeks after a 60 Minutes piece focused the spotlight on insider trading in Congress and the loopholes that allow members of Congress to invest based on non-public information they glean while doing their jobs, a new bill sponsored by Sen. Kirsten Gillibrand is gaining traction.
Protesters Target Obama at City Fundraiser
Wednesday, November 30, 2011
After an afternoon of events in a blue-collar corner of Pennsylvania, President Barack Obama will be in Manhattan Wednesday evening to court well-heeled supporters at three private fundraisers.
The Process is Political: Targeting Manhattan Fundraisers
Wednesday, November 30, 2011
Republican challenger targets incumbent's link to Bloomberg and "New York liberals." A fundraiser for Mitt Romney is disrupted by dressed-up Occupy Tampa protesters. Former presidential campaign strategist Howard Wolfson explains his move from Washington to local government.
The Process Is Political: Occupy Taking It to Obama
Tuesday, November 29, 2011
Occupy Wall Street will protest a high-dollar Obama fundraiser in Manhattan this week. A look at retirement and redistricting: Rep. Barney Frank in 2011 and Rep. Tom DeLay in 2006. And while Republicans campaign on Obama's "job-killing regulations," NPR stops to look at exactly how a White House office has been treating regulations, and finds Obama's doing more tweaking than Bush did.
OWS 2.0: Tactics and Tone Vary for November 17 Protests
Wednesday, November 16, 2011
Are the protests on November 17 going to ratchet up the civil disobedience to show that eviction hasn't weakened protesters' resolve, or an opportunity to demonstrate a broad post-encampment solidarity across the country? Depends on whom you ask.
The Process Is Political: Targeting Gov. Walker in Wisconsin
Tuesday, November 15, 2011
A week after the repeal win for collective bargaining in Ohio, Democrats and unions start collecting signatures in a recall effort against Wisconsin Gov. Scott Walker, and Republicans and county governments are in court in South Carolina over who's responsible for covering the costs of the presidential primary in January.
Labor's Choice after Ohio: To Lead or Follow OWS
Friday, November 11, 2011
After labor unions won big in Ohio this week with a vote to reject limits on collective bargaining, AFL-CIO President Richard Trumka called it "the road map for Democrats" to win in 2012.
But after a bruising couple of years, and the emergence of Occupy Wall Street, some union leaders in New York are reexamining that message — and reconsidering that starkly partisan approach.
What's On the Ballot Election Day 2011
Tuesday, November 08, 2011
It's A Free Country political reporter Anna Sale examines some of the key issues that will be voted on around the country today.
Herman Cain Publicly Accused of Unwanted Sexual Advances
Monday, November 07, 2011
Another woman colleague has accused Republican presidential candidate Herman Cain of making unwanted sexual advances. Sharon Bialek is the first to publicly come forward and describe an incident in detail.
A Guide to 2012 Issues on 2011 State Ballots
Thursday, November 03, 2011
It's a bit of a sleeper election this November, with just two states electing governors, but there are a number of major political victories up for grabs lower down on the ballot. In Ohio and Mississippi in particular, voters will weigh in directly on issues that could frame debate — and decisively shape turnout — for the presidential elections come 2012.
Himes: A Wall Street Democrat's Take on OWS, Compromise
Wednesday, November 02, 2011
The reality is that right now, the president of the United States does not hold nearly as much power with respect to where we go in the next ten years than the twelve members of the supercommittee do.
The Process is Political: Transparency and Obama Supporters' Lobbying Ties
Monday, October 31, 2011
Obama "Transparent" About Bundlers: After the New York Times reported last week that donors with clear ties to lobbying are among President Obama campaign donation bundlers — in violation of the spirit of the president's pledge not to take money from lobbyists — Obama campaign strategist argued that ...
Silver: On Millionaire's Tax, Occupy Protesters 'Not Political Allies'
Thursday, October 27, 2011
Occupy Albany protesters are gathering in the state capitol to call for an extension to the so-called millionaire's tax. Assembly Speaker Sheldon Silver also supports re-upping the tax, but stopped short of embracing the protesters.
"I don't consider them political allies," Speaker Silver said at a press conference at his Manhattan office on Thursday. "I think they make a point. Clearly they highlight a point of frustration among Americans."
Occupy Wall Street Unmoved by Obama's Student Loan Changes
Thursday, October 27, 2011
At Occupy Wall Street, between signs about demanding more regulations for banks and less money in politics, another common refrain has focused on the massive student debt load facing young people entering the workforce.
President Obama picked up on that theme and announced a series of student loan reforms before a crowd of Denver students on Wednesday. But at Zuccotti Park, the reaction of Occupy protesters was much more muted – and cynical.
The Process is Political: Voting on Changing Voting Laws
Wednesday, October 26, 2011
Changes to voting laws are up to voters in Mississippi, Washington, and Maine on November 8. Big Democratic donors appear to be snubbing Super PACs so far. And John Edwards argues the criminal charges against him will cause campaign finance chaos.


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TaylorMade ATV-S Wedge
$69.98 $79.99*
Save $10.01 (13%)
Product Information:
Craft the perfect shot from any terrain with the ATV-S Wedge. An All-Terrain Versatility Sole allows golfers to play all critical shots with one wedge, including chip, pitch, flop, and sand shots. Sole versatility allows the bounce angle to adjust based on head and face position. All-milled grooves and micro-texture across the face generates incredible spin. An extended Lamkin grip ensures proper hand traction with the TaylorMade® ATV-S Wedge
- All-Terrain Versatility (ATV) sole helps you play all critical shots with one wedge
- Bounce angle changes according to how you position the club head and face
- All-milled groove design and micro-texture across the face generates spin
- Lamkin wedge grip extends farther down the shaft for improved traction
- Non-plated Tour Satin finished for style and durability
- KBS Tour Wedge Steel Shaft
- TaylorMade
- Loft: 52°
- Lie: 64°
- Length: 35.5"
- Swing Weight: D3
- Loft: 54°
- Lie: 64°
- Length: 35.5"
- Swing Weight: D4
- Loft: 56°
- Lie: 64°
- Length: 35.3"
- Swing Weight: D4
- Loft: 58°
- Lie: 64°
- Length: 35"
- Swing Weight: D5
- Loft: 60°
- Lie: 64°
- Length: 35"
- Swing Weight: D5
Country of Origin: ChinaWeb ID: 33861966
Customer Reviews:
TaylorMade ATV-S Wedge 54 54
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So far so good Works great from 90 yards in including flop shots. Also, worked great for deep bunker shots. October 1, 2014
Stable This club has a good, solid feel. Construction seems very good. October 1, 2014
Excellent wedge Works great! Have played several rounds and is quickly becoming my go to wedges. September 25, 2014
great for close shots Bought this a month back and has helped with my close game. Like having the loft when in close as compared to my pitching wedge. September 24, 2014
goof balance very comfortable which means confidence in using this wedge. September 17, 2014
Great club and great price. Goes well with my burner irons. Great club and great price. Goes well with my burner irons. September 16, 2014


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Notes from the Manager
Related Strips: #110: The Great Unifier
Okay, now it's officially 2007 in the Multiplex Universe. Sorry it took so long, but hopefully you enjoyed the numerous bonus updates this week.
This is really the end of the New Year's storyline, although there are one or two more in the pipeline that take place shortly after this... but they're really more like codas.
See you Monday!
(By the way, in case you're wondering how the Multiplex gang was counting down to midnight on a clock that has no second hand, if you notice waaaay in the background of panel 3,the TV has some New Year's action on it; you just can't see the TV on the side they're facing. Point being they were following along on the telly, too. Astute readers will also notice that the last panel answers the question Franklin posed in the first panel of #110.)
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Leonard Nimoy (1931–2015)
Sunday, March 1, 2015
I was never a huge Star Trek fan, exactly. I love some of the early episodes, and I think Star Trek II: The Wrath of Khan is one of the greatest
science fiction movies of all time. I enjoyed Star Trek III and IV, too, for what they were. I read a bunch of the DC Comics Star Trek stuff at that time, because my brother bought them. And I watched a bit of the Next Generation and then fell off the wagon. Kirk and Spock were my Star Trek, and the Star Trek 2–4 "era" was its peak for me, warts and all, because that's the "era" that really hooked me. And really, for me, it was all about Wrath of Khan.
In addition to playing Mr. Spock, of course, Leonard Nimoy did a lot of other things. He was on Mission: Impossible. He directed a few movies (Three Men and a Baby!). He was a photographer. He was the voice of Civilization IV. But one thing I really loved of his was Standby: Lights, Camera, Action, on Nickelodeon from 1982–1987, which provided a behind the scenes look at movies like Star Trek III, Return of the Jedi, 2010, and more. Nimoy hosted and occasionally interviewed guests like George Lucas. As a budding film nerd in the pre-Internet Dark Ages, behind the scenes specials like Standby: Lights, Camera, Action were hard to come by. I ate that show up.
Anyway, as you're undoubtedly aware by now, Leonard Nimoy passed away on the 27th. As cartoonists do when they're sad about these kinds of things, I drew a picture:
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Truly classic, this diamond ring features fourteen princess-cut diamonds hand-set in this 14k white gold channel band.
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Tech companies look to break down the walls between apps
- Technology
- January 12, 2015, 01:00
Navigating the internet used to mean painstakingly typing the exact address you wanted into your computer. The web browser and the search engine simpl(...)
Silicon 50 event celebrates most influential Irish people in the valley
- Business
- October 10, 2014, 01:28
Long before there was an Intel or an Apple, Ireland was building links to Silicon Valley. Sunnyvale – now best known as the home of Yahoo and Palm – w(...)
Net Results: Digital economy begins with teaching kids coding
- Technology
- March 28, 2013, 06:00
The world loves a geek-schoolchild-to-tech-millionaire story. Such tales bring together the perfect mix of surprise and wonderment (and usually(...)


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brand news
Posted by Dale Buss on February 19, 2013 08:53 AM
Boeing faces looming strike vote following Dreamliner tumult.
GE seeks inventions via social campaign.
Burberry lauded for London Fashion Week digital experience.
Amazon acts on controversy over German TV show about its workers.
Audi blocks use of GQ3 vehicle name by Qoros of China.
BP faces next bout of Gulf spill liability.
Cracker Barrel can't shake off activist shareholder.
Danone cuts 900 jobs in Europe.
Ferrari plans to price new supercar starting at 1 million euros.Continue reading...
More about: Brand News, Amazon, Audi, BP, Boeing, Cracker Barrel, Danone, Ferrari, Fisker Automotive, Four Seasons, Gallo, Geely, Group 1 Automotive, Hilton, J.C. Penney, Marriott, Macy's, Martha Stewart Living, Nascar, Nestle, Office Depot, Office Max, Poland Spring, Prada, Qoros, Ruth's Chris Steakhouse, Samsung, Sony, Volkswagen
branded entertainment
Posted by Mark J. Miller on January 14, 2013 02:58 PM
The Onion's stature as a leading satirical pseudo-news source, with its hilarious and sometimes provocative headlines, has long been well-established. Less known to the general public, however, is the existence of its own in-house and marketing agency created to serve leading brands.
That changed to a degree on Monday when The New York Times reported on Onion Labs' latest project: a website for Hilton Hotels and Resorts that helps users detect whether they have "vacationitis" and provides various suggestions on how to combat it.
"Some of our most popular satirical editorial content in The Onion surrounds the workplace and everyday stresses, so it's been exciting to work with Hilton Hotels & Resorts to illustrate diagnoses of vacation blues around the world," stated Grant Jones, The Onion's head of marketing who oversees The Onion Labs. "The cartoon memes aim to inspire workers to fill their 'prescriptions' with a much-needed break from the office."Continue reading...
More about: The Onion, Hilton, Microsoft, Corona, Coke Zero, EA Games, Digital, Branded Content, Humor, Branded Entertainment, Campaigns
Posted by Dale Buss on January 14, 2013 08:59 AM
Cadillac sees its ATS named North American Car of the Year at the North American International Auto Show, while Ram celebrates naming of 1500 as truck/utility vehicle of the year.
Hostess strikes a deal to sell Wonder Bread and other brands plus production facilities to Flower Foods.
HP CEO Meg Whitman receives $15.4 million.
American Express travel cuts point to end of an era.
Apple cuts orders for iPhone parts.
Billabong receives another takeover bid.
Deutsche Bank reportedly considers 20-percent bonus cuts in Europe.
GM's Chevrolet division relaunches Corvette brand.Continue reading...
More about: Brand News, American Express, Apple, Billabong, Cadillac, Chevrolet, Corvette, Deutsche Bank, Jamie Dimon, Dodge, GM, Google, Green Mountain Coffee, Flower Foods, Hostess Brands, HP, HTC, Harry Winston, Hilton, iPhone, J.P. Morgan, Johnson & Johnson, Panasonic, Ram, Reckitt Benckiser, Swatch, Tesco, TNT, UPS, United Airlines, Volkswagen, Jetta, Wells Fargo, Meg Whitman, Detroit Auto Show
Posted by Dale Buss on October 11, 2012 09:04 AM
Activision goes bigger with Skylanders line extension and marketing effort.
AIG pays $1.7 billion for ING Malaysia.
ANA conference poised to set attendance record.
Android robot is a hit with 3-D printers.
Audi and BMW starting to leave behind Mercedes-Benz in global premium-auto race.
BAE in play for U.S. buyers as report says EADS merger failed because of discord among participating European governments.
BP moves closer to overall settlement of Gulf spill as Louisiana blames company for perma-sheen.Continue reading...
More about: Brand News, ABC News, Activision, AIG, Alaskan Airlines, ANA, Android, Apple, Audi, BAE, BMW, BP, Boeing, Burberry, Carrefour, EADS, EBay, Fab, Facebook, FedEx, Google, Groupon, GSK, HP, Hilton, Huawei, iPhone, Intermix, Kellogg, Lenovo, Mercedes-Benz, Mini-Wheats, NHL, Pinterest, RBS, Rolex, Rolling Stones, Samsung, Skylanders, Softbank, SpaceX, Sprint Nextel, St. Jude, Univision, Wendy's
road warriors
Posted by Barry Silverstein on August 31, 2012 01:22 PM
The Sonesta travel brand includes an eclectic collection of international luxury hotels, resorts and cruise ships. With a tiny hotel portfolio relative to major hotel brands (it currently has only ten U.S. hotels, for example), Sonesta is making a push to gain brand awareness by entering a new segment -- the extended stay market.
By acquiring fifteen Staybridge Suites and two Residence Inns, Sonesta is able to jump start its new "ES Suites" brand in the primary markets of Atlanta, Houston and Orlando, in addition to locations in Massachusetts, New Jersey, North Carolina and Ohio. Mike Wohl, operations vice president at Sonesta ES Suites, told HotelNewsNow.com, "We really like the extended stay business. It has matured to the point where it is a solid fundamental market segment on a national scale. It's a proven segment, and we really like the business model."Continue reading...
More about: Sonesta, Staybridge Suites, Residence Inn, ES Suites, Homewood Suites, Hyatt, Starwood, Element, Hilton, Marriott
Posted by Abe Sauer on August 17, 2012 03:25 PM
China is the second largest economy in the world, every significant brand's future is impacted by its growth (or collapse!); but who's got the time?! A weekly potpourri of ten reads that will make you look like a keen China observer during any conversation about China.
Vivienne Tam Slippers for Hilton, wealth inequality, Walmart, baijiu, Popcap, doggies, translating Spanish brand names, the Lingerie Football League comes to China and more... Continue reading...
More about: 芳草地购物中心, 蒙娜卡, Weibo, Sina, Tencent, Sohu, Netease, China Merchants Bank, Galleria Illy, Starbucks, H&M, Twitter, Tianchengxiang, Purfeel, Vin & Spirit, Jiannanchun, Pernod Ricard, Vivienne Tam, Hilton, Walmart, baijiu, Popcap, Lingerie Football League
Posted by Dale Buss on July 18, 2012 09:02 AM
Apple slims down next iPhone as analyst says that iPad Mini and iTV are real products.
AT&T is introducing shared data plans as iPhone users fear iPhone FaceTime charges.
Bank of America swings to profit.
Bob Evans may be considering sale of Mimi's Cafe.
Coke and PepsiCo step up campaign against New York soda ban.
DirecTV finds unlikely friends in dispute with Viacom.
Ericsson earnings plunge on economic slowdowns.Continue reading...
More about: Brand News, Activision, Apple, AT&T, Bank of America, Bob Evans, Coca-Cola, Coke, DirecTV, EMI, Ericsson, Escape, Facebook, Flickr, Ford, Fruit of the Loom, GM, Google+, HSBC, Hilton, IBM, iPhone, L'Oreal, Linsanity, Lockheed Martin, Mimi's Cafe, New York Knicks, Opel, Oxfam, PepsiCo, Qantas, Target, Tea Lounge, Viacom, Vivendi, Vivus, Yahoo, Jeremy Lin
checking in
Posted by Sheila Shayon on July 17, 2012 11:12 AM
"Stay Hilton" + "Go Chill," "Go Refresh," "Go Toast," "Go Foodie" — that's the message from Hilton Hotels & Resorts in the brand's new branding campaign showcasing unique experiences guests can find in the brand's portfolio of more than 550 hotels in 80 countries.
The campaign highlights the local nuances of each destination (hence "Go NY" on its Facebook cover photo) and the guests who visit and is an evolution of the chain's global footprint 'Stay Hilton. Go Everywhere.' campaign.
"Rolling out now in the U.S., our latest evolution of the campaign shifts from highlighting our global footprint to a focus on the experiences guests can have in our hotels," stated Andrew Flack, VP, global brand marketing, Hilton Hotels & Resorts. "The campaign illustrates how the Hilton brand connects travelers to the world in amazing and unexpected ways."Continue reading...
More about: Hilton, Campaigns, Hotels, Travel, Hospitality, Tourism, Advertising, Local Marketing, Facebook, Social Marketing
Global Marketing & PR ManagerNew York
Senior Consultant, Brand StrategyLondon
Senior Account ManagerToronto
Associate Consultant, Verbal IdentityNew York
Freelance Trademark AnalystNew York
view all jobs...
Airlines, Alcohol, Automotive, Beauty, Beverages, Branded Entertainment, Design, Corporate Citizenship, Entertainment, Fashion, Finance, Food, Healthcare, Luxury, Media, Mobile, Non-Profit, Pharma, Product Placement, Retail, Sports, Sustainability, Tech
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Things to see and do - Lucca
Leaving for Italy
Torre dei Guinigi :
Nearby tourist sites
Nearby hotels
Hotel Diana from62 €Book
Hotel La Luna from60 €Book
Antica Residenza Dell'Angelo from99 €Book
Nearby Restaurants
Osteria Verciani "il Mecenate a Lucca"
Cotation :
Type de cuisine : Tuscan
Cotation :
Type de cuisine : regional
Antica Locanda dell'Angelo
Cotation :
Type de cuisine : fish and seafood
Torre dei Guinigi
Torre dei Guinigi : Michelin's recommendations
The house of the powerful Guinigi family, with its Gothic double, triple and quadruple bay windows, is crowned by an impressive red brick tower 41m/134ft high. Built in the 14C, it is one of the last houses in Italy to have continued the tradition of oak trees planted on the roof. Take a deep breath and climb the 231 steps and admire the superb view of the town's roofs and dual wall of ramparts and greenery that isolates the city.
Useful Information
- Address : v. Sant'Andrea 45 I - 55100 Lucca55100Lucca
- Phone : 0583 316846
- Prices : 3.50 €
Opening hours :
- summer: 9.30am-5.30pm; rest of year: 9.30am-4.30pm - closed 25 Dec


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I had a slow day at work today and one of the engineers I work with showed me this:KegBot
A bunch of engineers designed a computer system that can monitor how much someone drinks, either separately or as a group, the rate at which they are drinking, they're BAL and calorie intake and a bunch of other stuff.
Its pretty cool...
Yeah we do that alot too.. Just sit around on the weekends drink beer and engineer stuff.. Althought most of stuff doesn't really work and 99% is all drunkin ramblings but it's pretty this to this..
Personaly I like their's better. Much better then last weekends "Hey you know what would be cool!" or " Hey you know we should do!"
Does it display how many girls are at the party or can the computer not display "0"?
Jokes aside, I think it's pretty spiffy.
An engineering friend of mine wanted to do this in college. We got an old computer and then it just sat for two years. Good idea though.


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STARmeterSEE RANK
Down 6,499 this week
Chris Chavis
Chris Chavis was born on June 8, 1961 in Pembroke, North Carolina, USA. He is an actor, known for WrestleMania IX (1993), King of the Ring (1993) and PWE November Bash (2014). He has been married to Michelle Lopez since May 16, 1997. They have three children. See full bio »
Born:in Pembroke, North Carolina, USA
More at IMDbPro » Represent Chris Chavis? Add or change photos


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Mayline Group Arc Rotary File Open Filing Unit
Mayline Group Arc Rotary File Open Filing Unit
Weights & Dimensions
|Container Type: Open
|Storage Type: Flat file
|Document Size: Letter
|Color: Gray
|Wheels Included: No
|Rotary Filing: Yes
|Country of Manufacture: United States
About the ManufacturerEstablished in 1939 as the Engineering Supply Company, Mayline has come a long way from its expertise in drafting tables, blueprint files and straightedges. The war years capitalized on their high quality and precision manufacturing for providing highly accurate navigational and mapping accessories for all branches of the military.
Though still a market leader in manual drawing (they invented the straightedge) and large format filing, Mayline has moved to the forefront of office ergonomics. The Mayline Group now includes Tiffany Industries, Kwik File and Mayline products.
Mayline Group Arc Rotary File Open Filing Unit
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OUR SKU # MY4889Arc Rotary File Open Filing Unit is also sometimes listed under the following manufacturer numbers: ARC24827S05


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Sean Falyon - The Fix
Artist: Sean Falyon
Featuring: STS, Nikki Jean
Producer: N/A
Album: #SFBE2
Avg Rating: 3.0 ( 3 votes )
Been fiending for new music from Sean Falyon? You're in luck—the Booth fave (and freestyle alum) has come together with fellow Philly/Atlanta dual representative STS (also a freestyle alum) to bring you The Fix. Backed by the chopped-sampled productoin of N/A and featuring Nikki Jean's smooth vocals on the chorus, this hard-hitting selection can be found on Falyon's #SFBE2 mixtape, available now for purchase on iTunes.
Sean FalyonSTSNikki Jean Downloads
Written by richard on 08/18/11
Submit your Rating
SFBE Music
First DJ Booth Appearance:
"Wonderful Life" (2009)
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Poster & ticket design for a barbecue
Closed - This job posting has been filled and work has been completed.
Job Description
One of our clients is organizing a barbecue and will be needing:
- Posters, format A2 (420 x 594 mm) including all the details (will be delivered at start of project)
- Tickets to be sold, format like a business card or slightly larger, including essential information but no more. Should be in same style.
Both designs are single-sided.


text:
Discussion in 'Literature' started by Todd the Jedi, Sep 2, 2012.
Ah ok. Well I hope you arent comparing my liking Golden to my stance on Hitler
I don't even know what your stance on Hitler is
I was kidding...nm.
Anyway, I guess I feel there is always room for improvement. I'm not writing her off just yet.
I hope you're right. If this series is decent I will be very pleasantly surprised.
Exactly. I don't need to recall that she's only written 3 books to know that her prose and style just aren't... well, legible. And this is BEFORE all the typos and errors that litter her books, not to mention the fanfic-quality sentence structure and severe lack of flow. It's downright embarrassing, and it worries me. Is this where the future of the SW EU is headed? I didn't even read her 3rd FOTJ book, and I got a full refund for OMEN and whatever the second book was called. I won't read this one, either. I'd rather read a summary of the book on this forum, or on some random website than have to endure that wince-inducing prose one more time.
Harsh, I know. I don't say this to bash her personally, I just want DelRey to grasp the extent of their failure in regards to FOTJ.
I agree that there's a lot of Jaina's life that could be explored. I think my vote would actually go to a Jaina & Zekk buddy cop story set before DNT, a straight-up adventure story where Jaina gets to display some real, blunt, heroism. Not galaxy-saving but...world-saving level stuff. An investigation that starts out small and escalates.
That said, what's exciting about this series is that it's the flagpole trilogy going forward. I honestly expected them to come out and announce Ben Skywalker's Big Protagonist Debut. That's why I'm so attached to it. Opinion on Golden may differ but I don't think she's a franchise-killer or a character-killer. Cancelling this series will do Jaina's character more harm than having her star in the next big series even if it gets less than stellar reviews. The next author can always take a different approach, but by then she'll be more solidified as a go-to protagonist. At least, based on the way things have worked out so far under Del Rey. They seem to change tone rather than protagonist when faced with audience dissatisfaction.
Oh, sweetheart, no.
Godwinning it up.
Man, Golden would have to be one historically bad author for me to compare her to Hitler. Like, Hitler bad.
The only author I can think of that would even remotely compare (and of course, no matter how bad you are, you don't exactly get up there with genocide) is Robert Stanek. Very fun google if you've never heard of him. Horrible author and superfraud.
I go against the trend, then, and announce that I like Golden. She wrote a good Luke and that's all I care for, thank you very much. And I think she deserves a chance with a SW story on her own - not only as part of a collaboration team as FOTJ was.
As for typos - good greif, that's what editors are for! Also, they should be the ones to check if a character's eyes are black or blue or something third.
Instant classic.
Lol at people thinking I was comparing Golden to Hitler . . .
completely missing the point
I see your point....though the way it came out didn't sound good lol
I'm looking forward to SOTJ on story alone. I'm all the more curious as to what'll happen now.
Do I think Golden sucks? I don't care all that much. Maybe part of the difficulty in FOTJ was trying to balance her stories with the likes of Denning and Allston. Maybe having a series all to herself can do good.
Because she has written good stuff in the past. I like her Starcraft Dark Templar trilogy novels.
Lol i know, maybe should have used a different example.
People tend not to actually read things fully, or lack reading comprehension skills in general, and they see the word "Hitler" in the same sentence as "Golden" come out with the most ridiculous conclusions.
For those who don't get it point was:
- There are always people with differing opinions
- There are a lot people who think/thought that Hitler was fantastic leader, great person, even though I, personally don't think so.
- Similarly, there are probably people who think Golden is good author, even though I, personally don't think so.
- I am not trying to insinuate that Golden is evil or murders jews . . . obviously
I agree with this. I liked Golden's entries, and Allies and Ascension were two of my favorite Fate of the Jedi entries, though the latter mainly because I was a huge Ben/Vestara shipper, and they finally got together. But I didn't think she was too bad, and Allies I felt was really solid a novel.
I agree that there's a lot of Jaina's life that could be explored. I think my vote would actually go to a Jaina & Zekk buddy cop story set before DNT, a straight-up adventure story where Jaina gets to display some real, blunt, heroism. Not galaxy-saving but...world-saving level stuff. An investigation that starts out small and escalates.
Yeah, I'd actually like a Jaina trilogy that focuses on Jaina. My only fear about the series (besides that I'm honestly not a fan of Golden) is that it will be Jaina but against a massive galaxy-wide backdrop where the star of the story is almost incidental. I want the series to be about Jaina in the way...I guess I, JEDI might be a good example? IIRC, that was pretty much focuses on Corran (to the point of being 1st person), but really, just the idea of staying focused on Jaina and maybe exploring what being the Sword of the Jedi means would be awesome.
I loved Allies, the end of the book was just amazing. Omen is pretty good also. Still have yet to read Ascension.
Me too. You will enjoy Ascension.
I liked Jaina a lot in Allies, good mix of her skills as a Jedi. I think Golden will do well with a book devoted almost entirely to Jaina.
If nothing else, Golden seems to do pretty well with female characters. So i think it will be a solid series
Until the end, when the purposeful dis-mantleing of Vestara's foray to the light side is forcibly begun and telegraphed.
yeah i did hate that. That Vestara went back on the light side so easily. Yeah i understand that she could have gone both ways, but it upset me.
you mean back to the dark side?
FatSmel, buddy, we understood you fine.
We didn't think you were literally saying Golden's writing was equivalent to murdering Jews. We just thought you were using a ridiculously overblown analogy involving Hitler to make the very simple point that popular opinion can be in favour of bad stuff.
Thus, we mocked you.
Next time, maybe, try comparing the situation to the commercial success of canned pop music.


text:
Right here right now... if a LEO tells me to. Otherwise not at all.
Not Registered? Register now! - It's free and helps the community grow.
I would have no problem complying with the officers request to give him/her my weapon.
I was so polite to a State Highway Patrolman he asked me about it. I later argued with him about his claim against me but continued to respectfully address him as Sir.
I like LEOs alot (I go to church with 2 city Cops) but hate to be accused of doing something I didn't do.
"True Happiness is a warm .357,.45 ACP,.38 Special,.410 or a 12 gauge & a cold Sun Drop." ME
"Those who would give up essential Liberty, to purchase a little temporary Safety, deserve neither Liberty nor Safety. "
(Benjamin Franklin)
'God made man and woman; Colonel Colt made them equal'." (Ann Coulter)
" Praise The Lord but Polly pass the Ammo"( Unknown)
"The 1st one through the door gets the copper coated candy." ( Andy the gunshop owner from "Dawn of the Dead")


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Child star launches Phil deal with radio.
WHAT promises to be another spell-binding virtuoso performance by the astonishing 14-year-old German violinist Maria-Elisabeth Lott, making a welcome return visit to the Philharmonic Hall this week, also launches the ground-breaking partnership between the famous Liverpool orchestra and Classic FM.
The recent news that the UK's leading classical music station has chosen the Liverpool Phil to be its orchestra in the North West as part of a three-year deal coincides with the arrival last September of the acclaimed American conductor Gerard Schwarz as musical director.
The concert, which had its first performance last night, is repeated tonight and its star, young Maria-Elisabeth - rated in the same league, maybe even higher than Vanessa Mae - left audiences stunned.
Her startling arrival on the international classical circuit has already seen her chalk up solo performances with the likes of the Swiss Winterthur Musikkollegium, the Bournemouth Symphony Orchestra and the Minnesota Orchestra.
She comes under Gerard Schwarz's baton with Mendelssohn's famous Violin Concerto in E Minor and seats are like gold dust according to Liverpool Phil staff. The full concert programme includes Eugene Goossens' Jubilee Variations; the Preludes to Acts I and III of Wagner's Lohengrin, and Bruch's Symphony No 3 in E.
The exciting new partnership with Classic FM will also see Carl Davis conducting the soprano Inessa Galante in a programme of popular music from film and television in May. Then the versatile percussionist Evelyn Glennie returns to the Phil's platform to join the orchestra for the premiere of David Horne's Percussion Concerto.
Roger Lewis, Classic FM's managing director and programme controller said: "We consider the Royal Liverpool Philharmonic Orchestra to be the jewel in the crown of the North West of England and we are delighted to join forces to build new audiences for live classical music." As part of the deal the orchestra will stage concerts in the Hall in association with the radio station and a regular Sunday afternoon event - Musically Speaking - will be conducted and presented by Schwarz.
"We want this to be an informal introduction to classical music for people of all ages with a flat admission of a mere pounds 5, " commented Schwarz, who kicks off this new season on Sunday with music by Wagner, Bruch and Goossens.
Over the coming years concert recordings on the Liverpool Phil's own label RLPO Live, will be featured on the Classic FM play list with a season of concerts featured in its Evening Concert programme, which has more than one and a half million listeners.
Another initiative will see the launch of the Liverpool Music Student Network. This joint project will allow music students from Liverpool University, John Moores University and Liverpool Hope and the Liverpool Institute of Performing Arts free entrance to concerts and access to the extensive resources of the 'Phil' and Classic FM.
And in an important demonstration of its faith in the musical talent of the region, Classic FM has promised to provide support for the work of the Merseyside Youth Orchestra, which has a distinguished 50year tradition.
Gerard Schwarz commented: "I am thrilled to be involved in this dynamic partnership at one of the most exciting times in the orchestra's long and illustrious history.
This will certainly bring the enjoyment of classical music to a broader audience." The station has also offered to use its thriving web site - Classic FM. com - to encourage concert and CD sales for the Liverpool Phil. And during National Orchestra Week - March 9 to 17 - the Phil will headline Classic FM's coverage when orchestras from all over the UK present music and music-related activities.
ASTONISHING: Maria-Elisabeth rehearsing with the Philharmonic in 2000 Picture: EDDIE BARFORD
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Any idea what this might be?
I didn't plant it, it is showing up in random places. The smell is dill, very much so, but it doesn't flower, and it comes back from the roots annually. It is tall, about 4 1/2 feet. I am tempted to eat it, but would like to know what it is first, lol.
Thanks in advance,
Nicole, I think you might have it - I did some searching around Google Images, and it looks right. Apparently it blooms in fall, though I can't recall ever seeing it bloom - I will watch for it this year. Posting another photo - these were as close as I could get.
I don't think I've ever seen it bloom, but it must sometime.
If you eat some, don't go overboard. It tastes pretty good (nothing like dill; its sweet) but has some chemicals that tax the liver a bit. Spice or occasional nibble, not a regular green. The taste is strong enough you are not likely to want more anyway.
Research seems to indicate to be very careful of it as an edible - but many sites say the taste is unpalatable, which I find hard to believe, since when I crush it, it smells pretty good to me. But then, one site I looked at says it can cause contact dermatitis, too - so far so good on that one for me! (and I do get poison ivy & short-term itchies from juniper) One of the sites I looked at said it is repellent to rodents - which would be a good thing around my vegetable garden area - although it can be invasive.
I will probably try a little, just to see what it tastes like. I am fascinated, as this is one of the plants I do not ever recall seeing in MA.
Eattheweeds.com mentions this plant in this article. There is no 'regular' article about eating it, like all of the other edibles discussed there.
Full disclosure: I've eaten it myself several times.
Another option is to taste it and then spit it out. But if it's going to be scary or uncomfortable to you, just skip it. It's not so great that you are going to be missing anything. Enjoy the smell instead.
Do be very sure of the ID first before nibbling..
For those curious about the potential toxicity, links below.
"Reports of acute poisoning in the United States among humans are relatively rare. Most result from the use of medicinal preparations as home remedies. ... Home remedies and consumption of herbal teas in large quantities can be a risk factor and are the most likely causes of alkaloid poisonings in the United States."
Toxic dosage info on pyrrolizidine and case history here; no cases reported from this particular plant. Not all pyrrolizidine alkaloids are toxic to humans; this is not a plant which is *known* to be toxic, but several closely related plants are so it's probably best to be conservative.
I ate a bit - still around, LOL. It was pretty tasty, but I didn't think it tasted sweet - rather like it smelled, dill/parsley flavor. Maybe not dog fennel? But if not, I have no idea what else it would be - definitely looks like dog fennel to me.
Of course, the plant I tasted has been growing in a bed near parsley and bronze fennel - it's definitely not either of those - but could that have affected the flavor?


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Book review: 'The Gift of Angels' helps readers see angels through trials
"THE GIFT OF ANGELS," by Rachel Ann Nunes, Bonneville Books, $12.99, 119 pages (f)
Cancer has changed a lot of things in Angela Thornberry's life. This terrifying disease has sapped her strength physically and spiritually. She is in constant pain, she can barely stand to sit through church anymore, and crushing anguish has crippled her relationships.
Diagnosed with a fast-growing form of pancreatic cancer, Angela — the heroine of Rachel Ann Nunes' novella "The Gift of Angels" — has unexpectedly been brought to the gate of her own mortality. The beautiful life she has built as a wife, mother and devoted member of The Church of Jesus Christ of Latter-day Saints could slip through her fingers at any moment.
All around her Angela hears inspiring stories of miracles and angels, but their blatant absence from her life is beginning to shake her faith. She can't understand why after a lifetime of devoted service to Heavenly Father he would now leave her to suffer alone.
But as Angela and her family mournfully lurch into the world of treatments and therapy, strange things begin to happen. Angela's quiet pleadings for strength are answered in an unexpected way, and she begins to wonder if angels may just be present in her life after all.
Nunes has long been an anchor in the realm of women's literature. She is a three time Whitney Award finalist and a recipient of the March 2006 Book of the Month Award from the Utah Governor's Commission on Literacy.
"The Gift of Angels" is a sweet, fast-paced story about accepting trials and moving forward in the face of adversity. Angela is a genuine character who readers can identify with.
Because the subject is heady, it seems appropriate that Angela's attitude is not always perfect. She totters on a tight line trying to keep her emotions in check, and she is not always successful. Her faltering faith is understandable and pulls readers into her cheering section because they will want her to come off conqueror.
Angela's experience battling cancer will likely strike a chord with readers who are confronted with similar situations, but the insights she gains through scripture study and revelations can easily be applied to other trials as well.
This book is a quick and stirring read that will leave audiences ready to better spot the angels in their own lives.
Melissa DeMoux is a stay-at-home mother of six young children who lives in West Valley City. Her email is firstname.lastname@example.com and she blogs about her adventures in motherhood at demouxfamily.blogspot.com.
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Hyundai Sonata Reviews
Autobytel has reviews that will walk you around a car, give you a peek under the hood and get you behind the wheel with an industry expert. Browse by category or get into a specific brand to see how well a car does when put to the test.
Showing 7 of 29 reviews for this vehicle
LA Auto Show: Apple Car Play Demo in the 2015 Hyundai Sonata
The smartphone war has a new battle ground; the vehicle. This past year saw Apple and Google introduce new systems which allow their smartphone to become the...
2015 Hyundai Sonata Test Drive and Video Review
Hyundai's Sonata mid-size sedan has been totally redesigned for the 2015 model year, which marks the seventh generation of this popular car. Hyundai's design team...
2015 Hyundai Sonata Review and Road Test
Don't judge the 2015 Hyundai Sonata by its rather drab looks. If you're buying a new midsize sedan, you need to seriously consider this car, easily one of the best in a...
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After already winning two North American Car of the Year titles in the past six years, Hyundai now...
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The Autobytel website is a great place to find Hyundai Sonata reviews on the most recent model years that were sold in America. You may be surprised to learn that there are multiple forms of Hyundai Sonata reviews. There is a Hyundai Sonata review from industry experts. At Autobytel.com you can read these various detailed reviews compiled from a number of sources. Another type of car review comes from the car owner themselves. There is a place for current and past owners to leave their thoughts and feedback on a specific vehicle. These consist of a 5-star rating and the pros and cons of an auto according to the owner. Get a good understanding of the vehicle by viewing these types of Hyundai Sonata reviews.
In addition to the Hyundai Sonata review; there is a ton of other great information located at Autobytel.com. You may wonder: how can I view this data? Or what if you are unsure as to which vehicle you should purchase? The fastest way to get to the reviews webpage is by clicking the car reviews button from anywhere on the website. Once at the car reviews page; you can choose a type of vehicle like: car or truck. You can also select an automobile manufacturer. You may have a few automobiles in mind. There is plenty of information to help you narrow down the list. When you finally land on a certain model and you want to see the reviews; simply pick Reviews from the list of pages on the left.
Besides the Hyundai Sonata reviews; you can view a bunch of other stuff. Take note of the two prices listed at Autobytel: the MSRP and the invoice price. The Manufacturer Suggested Retail Price is really just the suggested price you can count on. The other pricing information is the invoice price which refers to what the dealer paid for the vehicle. The Hyundai Sonata review is only one part of an informative website. The MSRP and invoice prices are important too. Evaluate multiple quotes based in relation to the MSRP price listed on the Autobytel website. Find massive amounts of knowledge on practically every vehicle on sale in the U.S. Discover facts regarding: horsepower, mileage, and weight. View the standard features and available options. Besides a Hyundai Sonata review; there is so much more at the Autobytel website.
View some images to go along with a Hyundai Sonata review. Aside from the review, there will be multiple images of the interior and exterior located at the Autobytel website. At any point after reading Hyundai Sonata reviews, you have the ability to request a free car quote. Requesting a quote is pretty straightforward and not difficult. Pinpoint the vehicle by selecting the year, manufacturer, and model. Enter in an email address so you car receive the multiple quotes. Sit back and let the offers roll in. Use the Hyundai Sonata reviews at the Autobytel website anytime you need information on a vehicle.


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Car tech
Tesla software updates will make Model S into a self-driving car
Self-driving Tesla cars could be on American roads in a matter on months, CEO Elon Musk says, but they would technically be the same electric cars seen there today.
Car tech
Google's Android Auto and Apple's CarPlay in fight for your dashboard
Aaron M. Kessler, Brian X. Chen In the coming weeks and months, dealerships around the United States will begin selling vehicles capable of running Android Auto, Apple CarPlay, or both.
Apple car has pitfalls but leverages competency
Marco Della Cava and Chris Woodyard The Apple Car debate couldn't be more polarising.
Apple is working on electric car
Adam Satariano and Tim Higgins Apple is stepping outside its lucrative focus on mobile devices.
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CES 2015: Heads-up technology puts data on car windshields
Drew Harwell, Hayley Tsukayama One of the automotive world's newest, buzziest upgrades was once offered only for trained jet pilots: heads-up displays, projecting a buffet of colorful information on that once-sacred place of clarity, the car windshield.
Car tech
CES 2015: BMW's new electric car is its own valet
Marco della Cava Carmaker one of a record 10 attending the consumer electronics show this year, marking a growing integration of cars and tech.
This year's CES will be a car geek's delight
Marco della Cava While the big unveils remain under wraps, there are already hints of what this year's Consumer Electronics Show will reveal about the state of automobile technology.
Google's Marshmallow-like self-driving car prototype ready for road testing
Google's self-driving car is ready to be road tested.
Car tech
Driverless cars closer than you think
Adam Carey Self-driving cars could be mainstream in Australia within a generation, ferrying people from point to point using a mix of in-vehicle smarts and powerful cloud computing that could potentially slash the road toll by 80 per cent.
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'White hat' Jonathan Brossard warns cars can be hacked on the road
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Forget carjacking, soon it will be carhacking
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You've already seen Matthew Saldivar and Kevin Del Aguila's zany new commercial for Peter and the Starcatcher—now take an exclusive peek behind the scenes! Needless to say, there were enough outtakes to make an entire blooper reel.
Broadway.com's Paul Wontorek headed to Ripley Grier Studio for an open call to meet dozens of Broadway hopefuls who dream of playing the great Carole King in Beautiful.January 20, 2015
In this Broadway.com exclusive video, the ladies of the new musical adaptation of The First Wives Club talk about their "delicious" new roles at a cast photo shoot.January 20, 2015
Get a sneak peek of the new off-Broadway revival of John & Jen, the rarely performed 1995 musical by Andrew Lippa and Tom Greenwald. See stars Kate Baldwin and Conor Ryan in action, then see them live at Theatre Row beginning February 10!January 20, 2015
Broadway.com chats with Elisabeth Moss, Jason Biggs, Bryce Pinkham and the cast of The Heidi Chronicles at their Midtown rehearsal space. See them in action beginning February 23 at the Music Box Theatre!January 20, 2015
This is the final episode of Frankie J. Grande's glittery look backstage at Rock of Ages. We'll miss the dance parties, goofy accents and bad crossword puzzles. Shine bright like a Frankie!January 20, 2015
Honeymoon in Vegas is going all in on opening night! Broadway.com chats with Tony Danza, Rob McClure, Brynn O'Malley and the cast of the glittering new musical comedy.January 16, 2015
Beautiful Tony winner Jessie Mueller asnswers your questions on everything from Sondheim to "Bustle Fluffah."January 16, 2015
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Gloucester ready for defence
ESPNscrum Staff
October 13, 2011
Luke Narraway leads Gloucester in celebrating their Anglo-Welsh Cup triumph last season © Getty Images
Former Sale legend Bryan Redpath has warned his old club to expect no favours as Gloucester prepare to begin the defence of their LV= Cup crown at Kingsholm on Saturday.
The Sharks will travel down to the West Country looking to make it two wins in a week over Redpath's Gloucester, having pipped the Cherry and Whites 13-11 at Edgeley Park in the league last Saturday. With the unique setup of the LV= Cup, Sale find themselves in Pool 2 with Leicester, London Irish and Cardiff Blues but will instead battle it out with the teams from Pool 4, including Gloucester, with the top side from each group then making the semi-finals.
Sale will welcome back a whole host of players from the World Cup, with Tony Buckley and Richie Vernon among the returning Sharks. But it is Redpath's compatriot Alasdair Dickinson, who the Scot is particularly wary of having spent the last four years coaching him down at Kingsholm.
"Alasdair Dickinson was back for them last week and got a bit of time off the bench," said Redpath, who played 80 times for Sale and amassed more than 30 points for the Stockport-based club. "He's a player we know very well - we know what he's capable of.
"With it being a home game last week for Sale, I think it was an easier way to come back into it, and I'm sure he'll be desperate to get back playing regularly for them. He moved on from Gloucester to play some rugby because he felt his opportunities were limited here.
"And Nick Wood has been fantastic for us again this year, but I'm sure Dicko will be desperate to come back here and try to do one over on us - he's a very talented individual. He got one over last weekend so hopefully it won't be 2-0 or I won't be too chirpy."
With several players expected to make their first appearances of the season for the Cherry and Whites after returning from the World Cup, former Scotland scrum-half Redpath insists it will be a transformed team which awaits Sale to kick off the competition.
"I had my views at half-time and at the end of the game last week against Sale. I don't think we showed a real account of ourselves at all," said the Gloucester head coach. "Sale for me will always bring fond memories for us because it's my old club so it was great to see a few guys again, but I was gutted that we didn't perform.
"But it's a new competition for both us and Sale and the key thing is we have five guys coming back from the World Cup [Scott Lawson, Jim Hamilton, Alasdair Strokosch, Rory Lawson and Akapusi Qera] who should all be involved so hopefully the guys coming back in can add a little bit more to us.
"We want to use this weekend as a chance to play with a little less pressure. It's really important to get our game right again but Sale are not an easy side to play against and we know we'll need to be at our best."
Visit www.rfu.com for information on the LV=Cup and how to purchase tickets. If you love it, LV= it. Visit www.lv.com for insurance, investments and retirement solutions.
© ESPN Sports Media Ltd.
|Live Scores
Jones key to Wales World Cup plans
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Food pretty good (we got some lobster and oysters, it's hard to mess up when you are paying for this kind of food)
1. Hard to get there (from the center you need a fairy and then long walk on Amsterdam Noord, a bad Amsterdam neighbourhood).
2. Service does not exist (we were ignored quite a bit and had to get the waiters more than once, table was not clean, etc.)
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An Accoville man was charged with burglary after he entered his grandmother's home and stole her prescription medication late on Aug. 2 and early on Aug. 3, he was also charged with attempting to enter several apartments at Crites by using an axe.
According to the criminal complaints, Logan 911 advised the West Virginia State Police that a Jeremy Adkins, 27, was pounding on the front door of his grandmother's house and threatening to kick the door in. When arriving at the residence, the victim informed the Trooper that Adkins had left the residence after she told him she was calling the police. Troopers were informed that Adkins had entered the house by cutting through the screen of an unlocked window. The grandmother reported to the officer that she had feared for her safety and had locked herself in her bedroom. Adkins reportedly spent 10 to 15 minutes in the house. The victim said several prescription medications taken from her purse was all that was missing in the house.
Approximately four hours later, WVSP was notified by Logan 911 that there was an active burglary at Crites.
When officers arrived, they found the suspect to be Adkins and placed him under arrest.
Adkins was accused by the first victim of wedging an axe in her sliding door. Two other victims reported that they had both seen and attempted to stop Adkins from entering their apartment. A witness reported that she had seen Adkins attempt to enter the apartment with her axe that had been placed in a garage. The witness advised that Adkins had entered her garage without her permission to obtain the axe. She also advised that she had witnessed Adkins attempt to enter another apartment.
Adkins was arrested and the axe was recovered.
Adkins was charged with burglary, breaking and entering and two attempts of attempt to commit burglary. His bail was set at $50,000.
In other Magistrate Court news:
• Charles Edward Jordan, 35 of Monaville, was booked on July 19 by the West Virginia State Police for domestic battery, domestic assault, battery and assault. His bail was set for $3,000.
• Brian Eugene Jones, 34, was booked on July 23 by the WVSP for obstructing and fleeing on foot. His bail was set at $2,500.
• Diana Michelle Hairston, 45, was booked on July 25 by the Logan Police Department for shoplifting 1st offense and obstructing. Her bail was set at $1,000.
• Robert Alan Sebolt, 53, was booked on July 25 by the WVSP for receiving/transferring stolen property. His bail was set at $2,500.
• Kenneth Ray Shepherd, 47, was booked on July 26 by the WVSP for domestic battery and domestic assault. His bail was set at $3,500.
• Teddy Joe Hoosier, 52, was booked on July 27 by the WVSP for domestic assault, domestic battery, trespassing and public intoxication. His bail was set at $3,500.
• Buck Herbert Mullins, 49, was booked on July 27 by the WVSP for domestic assault and domestic battery. His bail was set at $2,500.
• Gregory Alan Hairston, 25, was booked on July 28 by the WVSP for possession with intent to deliver a controlled substance. His bail was set at $25,000.
• William Sherman Baisden, 43, was booked on July 29 by the WVSP for petit larceny. His bail was set at $1,500.
• Pamela Sue Gillman, 45, was booked on July 29 by the WVSP for driver's license revoked for dui 2nd offense and no seat belt. Her bail was set at $2,500.
• Danny Earl Kelly, 62, was booked on July 30 by the WVSP for DUI, no insurance, left of center, no seat belt and failure to signal. His bail was set at $2,500.
Tyler Chad Evans, 18, was booked on July 30 by the Logan County Sheriff's Deputies for DUI of a controlled substance, left of center and registration violation. His bail was set at $2,500.
Criminal complaints are public information. Charges listed in a complaint are merely accusations; defendants are presumed innocent until proven guilty.


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Hotel Casa Palacio
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Had to pop in here for a look - was open from 5pm on Sunday's after their long lunch. Had drink and Tapas in the unusual square while we waited for opening time
Theatre best described as a rectangular Globe - about the size of the watermill in Newbury. Open air - with the obligatory shades over the roof space.


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Check out the latest food addition to the Magic Kingdom — hot sandwiches in Liberty Square!
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