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Helping your employees achieve financial security, no matter where they're starting from
A 403(b) plan is a retirement plan for employees of certain tax-exempt organizations, such as public schools and nonprofit organizations like health services facilities, libraries and churches.
A 403(b) is similar to the more common 401(k) that's available to the private sector. It allows your employees to make pre-tax contributions into their individual accounts to help them prepare for retirement. Your organization can also make contributions to the plan for the benefit of your employees.
Tax-advantaged benefits
Aside from the obvious benefit of putting money into a retirement nest egg, the biggest benefit of a 403(b) plan is taxes. Here's why:
Like most retirement plans, there are limits on how much can be contributed each year. Those limits are reviewed annually by the IRS and, if deemed appropriate, increased. Like 401(k) plans, individuals who are age 50 and older can make a "catch-up" contribution. In addition, some qualifying organizations can make a special 403(b) catch-up contribution for employees with at least 15 years of service.
Contributions to the plan are always 100% vested, and if participants change jobs or stop working, they have several options of what to do with 403(b) contributions plus the vested amount of employer contributions.
While the money in the 403(b) is earmarked for retirement, there are other events that allow distribution from the plan without penalty. Participants can take penalty-free distributions due to:
Count on COUNTRY
There are a lot of aspects to a 403(b) plan, and COUNTRY is here to make it easy for you to offer this type of plan to your employees. Why not put our experience and financial strength to work for you? Give me a call to find out more.
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Investment management, retirement, trust and planning services provided by COUNTRY Trust Bank®.


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A well-designed literature review is a critical part of any systematic review or meta-analysis. This presentation will provide you with the tools, strategies and expertise necessary for an efficient and comprehensive literature review. At the end of the session, you will be able to: a) select the databases that are appropriate for your research topic, b) develop effective search strategies that capitalize on the strengths of each of these databases, c) create automated "alerts" that email new references matching your saved searches, and, d) select the best tools for managing your references, PDFs, and bibliographies.
Class Handout: SystematicReviewHandoutJune 2012 (PDF)
Course evaluation

subset: commoncrawl


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Sanchez, Lester set to square off in Game 1 of ALCS
Well-rested Red Sox look to unseat defending AL champion Tigers
BOSTON -- The Red Sox are back in the American League Championship Series for the first time in five years, and they're starting it up at home. The Tigers will go into Fenway Park as defending AL champions.
Consider, too, that these two charter members of the AL will be facing each other in the playoffs for the first time. In fact, they'd never even been in the same postseason -- a possibility since 1995, the first time the league played a full season under a three-division format -- until this year.
That's one delicious recipe for October baseball on the last stop to a pennant, and the drama begins with Game 1 on Saturday night at 8 p.m. ET on FOX.
"I happen to think, over the course of the season, the two best teams are playing in the ALCS," Oakland general manager Billy Beane said after his A's were eliminated by the Tigers on Thursday. "That's what I happen to believe. I think Detroit and Boston, in my mind, represent the two best teams. I think we were one of the best teams, but I think they represent the two best teams, and this is going to be a great matchup."
Boston has had a few days to ponder things after closing out Tampa Bay in four games in their AL Division Series.
The Tigers? Well, it took them an extra day to close out Oakland -- courtesy of eight shutout innings by Justin Verlander in Game 5 on Thursday night -- but they'll have a good night's sleep after arriving Friday morning and be ready to go Saturday in Beantown.
Tigers manager Jim Leyland has penciled in his starting rotation, and he'll lead off with right-hander Anibal Sanchez vs. the Red Sox, who will counter with Jon Lester.
Sanchez, who led the AL in ERA during the regular season with a 2.57 clip and went 15-8 with 202 strikeouts in 182 innings, did not fare as well in his lone postseason start this year, a Game 3 ALDS loss to the A's in Detroit.
Sanchez gave up a double to Coco Crisp to start that game and never looked comfortable after that. Sanchez ended up giving up six runs -- five earned -- on eight hits in 4 1/3 innings, including three home runs. He did, however, strike out six batters.
"He led the American League in earned run average," Leyland said Friday at Fenway. "He did not have a good playoff start. I feel very confident in him. I think he was probably a little rusty. … It took him a couple of innings to get going. I think he'll be back in the groove now. Like I said, he led this league in earned run average. That's pretty impressive."
Sanchez got his first taste of postseason baseball last year and said he didn't think it would be a problem to dial in the necessary intensity, especially for the lid-lifter on such a crucial series. Sanchez threw seven innings of shutout ball while earning the win in Game 2 of the ALCS last year against the Yankees.
"It's a big day for me, especially because I'm going to start the series," Sanchez said. "I need to keep working. I need to be focused tomorrow. [Throwing] my first pitch is something I look forward to every outing. I'll try to feel comfortable like I [did] all year long."
For the Red Sox, the choice of Lester is a no-brainer, especially after the way he pitched in Game 1 of Boston's ALDS win over the Rays -- and the way he's pitched since the middle of July.
Against Tampa Bay, Lester went 7 2/3 innings, a personal best in the postseason. He allowed three hits, including two solo home runs, but struck out seven for an easy win.
"Yeah, he's all business," Red Sox manager John Farrell said. "He works hard four days leading up to a fifth-day start. He's a very concrete thinker -- that's the one description I've used for him for a number of years. And that allows him to, I think, achieve a high level of concentration and maintain it for the time that he's on the mound. He's an intense competitor. … And that's the way he carries himself on the field."
Lester rebounded from a subpar 2012 to return to the position he's in now: playoff ace for a team close to a World Series.
"I think one word that sums it up for me is fun," Lester said. "I've had more fun this year than I ever had at the big league level. … And I think that's what's made this team pretty special is that from Day 1, when we ran out on that field, guys worked their butts off. … Guys were focused on these days right now that we're going through.
"And I think that's what makes our group pretty special. And it's just been a fun ride to this point."
On Saturday, Lester will try to lower his 2.54 postseason ERA while building on an October resume that includes 49 2/3 innings, a .199 opponents' batting average and 46 strikeouts, with 16 walks.
And if Lester can't do all of the damage against Detroit in Game 1, the powerful Red Sox offense might have a say in the proceedings.
"Our style -- our offense, our defense, our starting pitching and bullpen speaks for itself, so we've just got to continue to do that," Red Sox outfielder Jonny Gomes said. "This team can bang, and at the same time, these guys play the game right. You talk about taking the extra base. You're talking about leadoff walks -- not trying to hit a leadoff homer. Just passing the torch and picking each other up."
Tigers: Miggy regaining the magic?
Miguel Cabrera's two-run home run off Sonny Gray in Game 5 of the ALDS was not only a huge hit for Detroit -- which got the only runs it needed to win the game and series -- it was a great sign that the Tigers' most feared hitter might have his strength back. Cabrera, who has been struggling with groin problems, sent the ball to left field, indicating he may have regained the ability to pull the ball. That's a scary thought for Red Sox pitchers.
"I think we still see some of the strengths that he has, which are many," Farrell said. "But if you make a mistake on the other part of the plate, you're going to pay for it, much like [in Game 5 against Oakland]. You hope that you can find ways to, I don't want to say contain him, but maybe minimize the damage that the situations present themselves. But at the same time, there's two guys hitting behind him that are having a [heck] of a series themselves. That's where Victor Martinez has made this lineup that much more deep, especially the second half of the season."
• The Tigers finished first in the AL with a .283 batting average, 1,625 hits and a .346 on-base percentage, while they were second with 767 RBIs. The .283 average is the highest for Detroit since the club batted .287 in 2007.
• Tigers pitchers finished the season with 1,428 strikeouts to establish a new Major League record for most K's in a season. The previous record was 1,404, established by the 2003 Cubs. The Tigers led the league with 8.79 strikeouts per nine innings during the 2013 season, which marked the highest rate at which Tigers pitchers have struck out batters in club history.
Red Sox: Papi power
Red Sox designated hitter David Ortiz recorded his 50th career postseason RBI in Game 3 of the ALDS against Tampa Bay to become the sixth player in postseason history to reach the half-century mark. Ortiz's career postseason average of an RBI every 5.1 at-bats is the best mark among the six players with at least 50 RBIs.
In addition, Ortiz has appeared in all 61 Red Sox postseason games beginning in 2003, second most in team history to Jason Varitek's 63. Ortiz is the club's all-time leader in postseason runs (43), hits (66), doubles (16), home runs (14), RBIs (46), walks (46) and extra-base hits (32).
• The Sox lead the postseason with six stolen bases. With a swipe in each of the four games of the ALDS, Jacoby Ellsbury became the first Boston player to steal bases in the team's first four postseason games. He was tied at three with Johnny Damon, who did it for the Red Sox in 2004, before swiping a base in Game 4.
Worth noting
• Sanchez is the seventh pitcher in Tigers history to capture the ERA crown, and the first since Verlander did so with a 2.40 ERA in 2011.
• Shortstop Stephen Drew has hit safely in all but four of 16 career postseason games, batting .277 (18-for-65) with two homers and seven RBIs. Stephen and his brother, J.D., a former Red Sox outfielder, are the second pair of brothers who've both played in the postseason for Boston, joining pitchers Pedro and Ramon Martinez.
Doug Miller is a reporter for MLB.com. Follow him on Twitter @DougMillerMLB. This story was not subject to the approval of Major League Baseball or its clubs.


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Cross Creek Golf Course
This nine-hole golf course features a pro shop, bar, snack bar and putting green.
Prophet Hills Country Club
Built in 1966, this semi-private, 18-hole golf course is situated on extremely hilly terrain, and features a putting green and chipping area.
Bureau County Metro Center
The Bureau County Metro Center is a 50,000 square-foot recreation center with full size gymnasium; 25-yard indoor swimming pool with wading pool and observation balcony; racquetball courts; weight room; cardio-vascular room, elevated running/walking track above the gym; and locker rooms. A 40' x 80' multi-purpose room with adjacent kitchen provides the perfect setting for conventions, expositions, meetings, or wedding receptions.
Deer Valley Golf Club
Located just 10 miles south of Rock Falls, Deer Valley is a challenging 18-hole championship golf course.
CITY:Deer Grove
Lost Nation Golf Club
This beautiful 18-hole course with large, smooth greens and rolling hills is open to the public, and offers a pro shop and restaurant.
Hunters Ridge Golf Course
A beautiful mature 18-hole public course, perfect for group outings! Featuring a practice driving range, putting green, locker rooms, cocktail lounge, rolling hills and tree-lined fairways!
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Road Bike - Cleaning (Maintenance)
30 posts
• Page 1 of 2 • 1, 2
Road Bike - Cleaning (Maintenance)Hi,
How on earth do I clean my new road bike? Do I use water or will that cause rust? Does anyone have a method that works and doesnt harm the bike? Thanks Some equipment I have: - Citrus Degreaser - Shimano PFTE Lube (Dry) - Cleaning Sprocket Tool/Brush - Muc-Off Bike Cleaner Spray (Is this safe to spray on all parts of the bike including the chain?) The bike doesnt get all that dirty as I generally ride on cleanish roads. Last edited by TZ2102 on Tue Nov 27, 2012 3:55 pm, edited 2 times in total.
Re: Road Bike - Cleaning (Maintenance)i will let you in on my best secret................................. baby wipes you can clean the frame with baby wipes - it's very quick and easy.
then when i go my big wash, i wipe down thew frame with a chucks cloth and degrease the chain, crank and cassette when do we stop for coffee???
Re: Road Bike - Cleaning (Maintenance)Here is what I do:
1. Hose the bike down 2. Put some kerosene in a container and with an old paint brush use that on the chain, sprockets and any grease/oil patches on the bike. 3. Hose the bike down (again) 4. Use a sponge and some car wash to wash the entire bike down 5. Hose it off 6. Put it in a shady spot to dry Our Website is: http://www.pro-liteoz.com Find us on Facebook by searching for "Pro-Lite Australia"
Re: Road Bike - Cleaning (Maintenance)
All that hosing won't cause rusting on the chain? And once you degrease the chain, do you hose that down or just dry it and then apply lubrication
Re: Road Bike - Cleaning (Maintenance)1. hose bike down
2. spray Muc-Off everywhere 3. let sit for a minute or two 4. sponge/ brush off 5. rinse bike down 6. let air dry 7. apply Muc-Off silcone spray (this is the magic part) enjoy your clean, sparkly & awesome smelling frame
Re: Road Bike - Cleaning (Maintenance)I take off my chain, scrub it with brushes/de-greaser, take off the cassette and scrub it clean
Then just wash the bike down with quick detailer or car wash
Re: Road Bike - Cleaning (Maintenance)I go to the jetwash ... Blast everything really well, especially the drive chain. Then at home I lube what ever needs it.
My bikes get too dirty to do anything else and I am so stuffed anyway the last thing I want to do is go outside with a hose and bucket in the snow!. Compared to the abuse it gets in a race a jet wash must feel like a gentle sauna .
Re: Road Bike - Cleaning (Maintenance)
+1 But.... Huggies leave cotton fibres around the frame coles brand the same. The best baby wipes i have found are the Aldi brand, they are not as soft as the huggies and dont leave any fibres. But... dont use them on babys bum as they are to rough! Aldi has a speacial on them now ad then were you can get 6 packs for around 6 bucks.
Re: Road Bike - Cleaning (Maintenance)I can't remember the brand, but I got some no-name type wipes from Big W. they are specific cleaning wipes, not baby wipes. Cheaper and works just as well.
Babies are like weddings, any product targetted at either gets price jacked something shocking!
Re: Road Bike - Cleaning (Maintenance)I just use low pressure water and a dustpan brush to rub the mud and muck off the MTB. Bounce it a few times to get excess water off and leave it outside (backyard) to dry. Lube the chain after a wash. Roadie isn't worth washing, it's a commuter.
bychosis (bahy-koh-sis): A mental disorder of delusions indicating impaired contact with a reality of no bicycles.
Re: Road Bike - Cleaning (Maintenance)
Once you clean the chain with the kero, wash it off propper. Let it dry for a few hours then lube it. Our Website is: http://www.pro-liteoz.com Find us on Facebook by searching for "Pro-Lite Australia"
Re: Road Bike - Cleaning (Maintenance)I was told never to use high pressure hoses to wash the bike down with, otherwise you can force dirt and grit into areas you cannot get to. Instead using low pressure from the hose is fine.
I use a bucket of warm water with a cap full of Bowdens Own Auto Gel body wash. Suds up the bucket, use a microfibre sponge and gently wash down the frame. For the more intricate areas I use a nylon brush and dip it into the bucket and gently remove any grit. Hosing down the lot with low pressure hose. As far as the chain/cranks are concerned I use White Lightning wax as its self cleaning and lubricating. Cheers
Shav My Bikes: 2011 Kona Dew Plus (commuter) 2012 Focus Cayo 2.0 (road)
Re: Road Bike - Cleaning (Maintenance)Mr Sheen, or Woolworths Home Brand Furniture polish (same thing).
Spray it on It dissolves grease, drink spills, roadkill deposits. Wipe it off with a clean rag. Job done.
Re: Road Bike - Cleaning (Maintenance)Got some of those aldi wipes and gave it a go tonight... Worked wonderfully!!!
No good for the chain degreasing of course, but for everything else they were just magic... Clean Merida now... Chain degreaser on the Christmas list... Loving my Merida's and working towards adding a Pinarello to the stable... Go go go...
Re: Road Bike - Cleaning (Maintenance)
That's the way I clean mine also. If its really dirty I'll use a few baby wipes first.
Re: Road Bike - Cleaning (Maintenance)I dont want to sound like a g e e e k, but does anyone wax and polish there carbonfibre frames? That would help protect the frame eg water would just beed off, easier to clean. Magquires car products are quite good.Things like Quick Detail work well on my cars,why not the bike?
Re: Road Bike - Cleaning (Maintenance)I would go easy on the polish as it will eventually wear away the clear coat which protects the carbon. I use Magquires gold class wax every 3 months on all my bikes to keep the frame gunk free. It is also easy to wipe away minor road grime with the Quick detail spray.
Another handy hint if you regularly wax your car, don't chuck your application cloth (i use a cheesecloth roll form Supercheap) as it is great to use on the bike as it will be impregnated with wax. great for a quick buffing. Cheers. Work is something I do in between cycling.
Bikes: 1 x Steel 26" Cruiser, 2 x Alloy Roadies, 1 x Full Carbon Roadie. It is unfair if only one bike gets all the attention.
Re: Road Bike - Cleaning (Maintenance)
+1 to the aldi baby wipes. then a dry rag to get rid of the residue. kero for degreasing (with wife's toothbrush, and chain cleaning tool). don't forget to put your wife's toothbrush back
Re: Road Bike - Cleaning (Maintenance)I actually just use some warm water with a bit of dishwashing detergent on the frame and some old cloth, then just wipe it off.
The chain and cassette gets degreaser on them. I use Rock 'n' Roll gold on the chain after that. But you could also use a detergent on the chain if I remember right according to the Shimano instruction paper. Detergent has little effect on some of the grime though. Baby wipes are also good for cleaning the frame.
Re: Road Bike - Cleaning (Maintenance)
Ensure you rinse very well if used near any steel parts, that stuff commonly uses salt as a thickening agent. ...whatever the road rules, self-preservation is the absolute priority for a cyclist when mixing it with motorised traffic.
London Boy 29/12/2011
Re: Road Bike - Cleaning (Maintenance)They are bikes, hunks of metal and plastic... not babies .
Re: Road Bike - Cleaning (Maintenance)What's the best way to clean? I have rock n roll gold as lube, but I want to get all the junk off first.
I'm thinking just degreaser & brush. Any particular brand of degreaser I should use?
Re: Road Bike - Cleaning (Maintenance)
rock n roll, you just put it on till its dripping off the chain then wipe the chain down. According to the manufacturer you can't wipe it too much - this serves to clean the chain. If you really need to clean it seperately don't use degreaser. Use kero and a paint brush, wash it off with water when done. I've found if you use the rock n roll regularly you almost never will need to use any other method to clean the chain. Our Website is: http://www.pro-liteoz.com Find us on Facebook by searching for "Pro-Lite Australia"
Re: Road Bike - Cleaning (Maintenance)
Dunno what it is about babies, they can get get pretty grubby tho' I photographed a jolly big shiny Scania prime mover a few weeks back. I commented on its apparent newness and was stunned to learn that it was a year old and had done I don't know how many k's.The driver's secret? Baby shampoo
Re: Road Bike - Cleaning (Maintenance)
For the chain that's fair enough but in between the gears and with the junk on the jockey gears I think I need something more thorough. Is kerosene ok for these parts? Won't water cause rust? Sorry for all the noobie questions.
30 posts
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