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Jimmy Cowan's second half try helped the All Blacks to a 19-6 victory over England at Twickenham.
After two woeful performances against Australia and Argentina respectively Martin Johnson's England side produced a vastly improved display against New Zealand but it ultimately wasn't enough as the Kiwi's ground out a deserved win.
While the England manager will have been pleased with his team's physicality and defensive effort, his men lacked the discipline and accuracy to ever really trouble the All Blacks.
New Zealand were once again far from their best, but were a class apart at scrum time and ultimately had too much for their opponents on the day.
England started well but were dealt a blow early on when Joe Worsley was injured and eventually replaced by Tom Croft after just two minutes.
The first point-scoring opportunity fell to the visitors when Lewis Moody was penalised for blatantly entering the ruck from the side. But much to the dismay of the crowd Dan Carter missed the kick that would have seen him surpass Andrew Merhtens' All Blacks point-scoring record and the scores remained deadlocked.
Despite the early opportunity for Carter and a couple of cynical infringements, England had certainly started the better off the two teams and the bulk of the English fans thought Ugo Monye had given their side the lead in the 11th minute, but he was adjudged to have knocked the ball on in the process of stopping Conrad Smith.
Just four minutes later though and England were finally rewarded for their endeavour as Jonny Wilkinson slotted a penalty after the Kiwis were penalised for not rolling away as referee Jonathan Kaplan continued to stringently govern the breakdown.
If England had forgotten about the attacking threat the All Blacks possessed they were quickly reminded on 18 minutes when from nowhere the visitors spread it wide to Mils Muliaina who was only prevented from scoring the first try of the game by some excellent cover defence from Monye.
Carter eventually, and rightfully, took his place as New Zealand's all time point-scorer when he nailed a monster kick just inside England's half to level the scores.
While neither team's kicking game deserved any notable praise in the first half, the Kiwi pack certainly had the upper hand at scrum time after their mauling at the hands of the Italian scrum last week in Milan.
The two flyhalves exchanged kicks again before yet another poor England scrum presented Carter with an opportunity to put his side in the lead for the first time. Yet once again Carter's ever-reliable left boot let him down and England breathed a collective sigh of relief as the teams went in level at the break.
The Kiwis finally took the lead just four minutes into the second stanza as England were yet again blown up for a ruck infringement. But while Carter converted the opportunity it was hardly accomplished in the smooth, metronomic style rugby fans have come to expect from the All Blacks flyhalf.
But despite their talisman's somewhat shaky form, the All Blacks were starting to build up some momentum and finally got the first try of the game with just over a quarter of the game left to play.
The move began from yet another dominant scrum before the ball was spread wide to Sitiveni Sivivatu who spotted a gap and managed to find his skipper Richie McCaw who produced a world-class offload to Jimmy Cowan who rounded off the move.
True to his Jekyll and Hyde performance Carter nailed the resulting conversion from the left touchline to give his team a 16-6 lead.
Having made almost twice as many tackles as their opponents it was inevitable that the hosts would begin to tire and naturally the gaps started to open up for Graham Henry's troops.
In the end the England defence managed to keep them at bay and keep the score line respectable.
England will certainly take some pride from their performance, but they are still along way from being able to compete with the best the southern hemisphere has to offer and Johnson certainly has a lot of work to do.
New Zealand on the other hand showed enough to deserve the win, the All Blacks still looked far from their best and will certainly need to up their game if they hope to fend off the French next week who will certainly offer more up front.
By Andrew Worling


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House Doors and Garage Doors
Your house and garage doors probably already have bolts, but these will not hold up against hurricane-strength winds. If you don't already have a hurricane bolt system in place, head over to your local building supplies retailer and fine a sturdy one that will work well with your existing door and doorframe. Once you have a bolt system, make sure to routinely check it to make sure it is easy to operate and that it works properly. Garage doors will require more reinforcement because of their size. In addition to locking bolts, you may want to invest in vertical and horizontal bracing along the interior of the door, as well as reinforced end stiles to keep the door from twisting out of shape or collapsing.

subset: commoncrawl


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Prostate Cancer Center - Vancouver, WA
Vancouver Oncologist Doctors for Prostate Cancer
Type of Physician: Oncologist
What is a Oncologist?
A subspecialty certification by the Board of Internal Medicine; the oncologist specializes in the diagnosis and treatment of all types of cancer and other benign and malignant tumors. These subspecialists decide on and administer chemotherapy as well as consult with surgeons and radiotherapists on other treatment for cancer.
Specialty: Oncology (Medical)
Common Name: Cancer Doctor
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*Prostate cancer facts medical author: Charles P. Davis, MD
Other Related Prostate Cancer Articles
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*Provider Directory Terms of Use:
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The Ruger SR9C - Affordable, Reliable, Shootable
Posted 01-12-2011 at 13:45 by methodius
One of the more recent entries into the concealed carry market, and certainly among the more affordable, is Rugers SR9C. It is a semi-compact version of their SR9 9X19mm pistol released a year ago this January. Real world pricing on the SR9C is in the $400-425 range before taxes and related fees. I have always had good luck with Ruger semi-auto handguns be it my MKII or the P89 I got for my father a number of years ago for self defense. I purchased the SR9C with high expectations.
The dimensions of the SR9C are conducive to concealed carry. It, like its bigger sibling, is only 1.16" wide at its widest point in the grip. It measures 6.85" from the muzzle to the end of its beavertail-like tip and is 4.61" tall. Do note that the supplied pinky extension will add about one inch to the height of the pistol when placed on the ten round magazine. The unloaded weight of the full size SR9 is 26.5 oz. compared to the SR9C at 23.4 oz.
The overall dimensions of the Ruger compares favorably with its competition. The Glock 26, for example, is 6.29" long by 1.18" wide by 4.17" tall. Its stock weight is 19.75 oz. empty.
Along with the above mentioned first impressions there are some design features that are definite positives for the SR9C and worth mentioning. I think it deserves high marks for having ambidextrous thumb safeties and magazine release. This should help it appeal to both right and left handed shooters alike.One minor (and albeit cosmetic) complaint though: If you are going to have ambidextrous safeties why have the color coding (red for fire/white for safe) on only one side? Do only right handed shooters need visual confirmation of the safetys status?
I also like the idea of the cocked striker indicator at the rear of the slide. It is supposed to give the shooter a visual indication (and a tactile indication) of the state of the pistol. Like the left side safety, however, the striker indicator is left uncolored. It is black plastic like the rear slide plate making it hard to see. A contrasting color would help with visual confirmation of the strikers condition particularly in low light.
I would like to add that the cocked position of the indicator is also on the shallow side making a finger swipe a bit suspect. The indicator should be more pronounced in the cocked position to aid in feeling the state of the striker when visual confirmation is not possible. It is visually useless in low light and not very positive as a tactile indicator.
The SR9C has two other safety features of note. One is a loaded chamber indicator located atop the slide directly behind the chamber. It is rather large, in my opinion, though certainly quite visible and easily detected using ones fingers. I do not know why it has to be so large given that other designs are a smaller pin-like protrudence.
The SR9C is also equipped with a magazine disconnect safety. It will not fire a chambered round without the guns magazine in place. The merits of a magazine safety have been debated and argued for decades. My opinion on the subject certainly is not going to solve the issue nor be the last word on the subject. The point is: Its there. Take it or leave it.
Like so many other polymer framed pistols these days the SR9C has a removable backstrap. It is not as versatile as some other designs with small, medium and large panels. The Ruger design is simply of an arched or flat design. The user simply removes a pin and flips the backstrap to the side he or she desires.
Another design feature to note is the extractor. Ruger is well known for its oversized extractors in its P series pistols. The SR9Cs extractor is quite large compared to other 9mm pistols in my collection. Its design, as with other Ruger semi-autos, should provide for very positive extraction. Add to this the typical Ruger over-sized ejection port and I predict very reliable feeding and ejection.
A further design element I like is the magazine system of the SR9C. If you live in a non-ban state you will receive a compact SR9C ten round magazine and full capacity SR9 17 round magazine with your purchase. The ten round magazine comes with a flat floor plate to aid in concealing the pistol or an extended floor plate to give added length for the pinky of your grip hand. The 17 round magazine comes with a grip sleeve that fills the gap of the longer magazine and it forms a full sized SR9 grip when inserted into the magazine well.
With just two magazines the carrier can have 10+1 rounds at the ready in the firearm and an additional 17 rounds in a spare magazine if need be. The first magazine maintains the concealability of the firearm while the second magazine gives the carrier ample reload capability with just one spare. Some may not like this setup but I find carrying just one spare magazine a boon over multiple magazines. I also like the idea of the second magazine being of maximum capacity if and when it is needed.
When working with the SR9C for this review one is reminded of a truism: The trigger on many striker fired pistols is a weak point. They tend to be somewhat spongy and their pull weights vary from gun to gun. One can do some work on the trigger system or upgrade some parts with aftermarket accessories but most factory triggers are a bit spongy. The test guns trigger pull averaged around 5.5 pounds. The spongy nature of the trigger really is not noticed too much during live fire.
There is a difference between a critical review of something and its real world use. It is like recoil at the range with a deer rifle and taking that shot at a big buck in the field. You begin to notice the thump on your shoulder after a few shots at the range but how many of you actually remember the recoil of that one shot you took at that big buck you put down?
I think it is the same with a firearm in reviews such as this. A reviewer can complain about certain aspects of the gun but in reality how noticeable are they in live-fire exercises? I think that is the real test of how bad a flaw truly is. So, how did the SR9C perform at the range? Simply put, it performed quite well.
Being new I decided that I would put 100 rounds of ball ammo through the pistol to break it in and to give it an initial function test. As predicted the SR9C cycled the first hundred rounds flawlessly. There were no failures to feed, extract, or eject. All the empty cases ejected consistently about ten feet to the right and slightly to the rear. That big ejector and wide port functioned as expected.
The only issue during the first 100 rounds was that the 17 round magazine failed three out of four times to lock the slide back after the last round was fired. Testing the magazine without the grip sleeve revealed that it might be the likely culprit. While the magazine locks into the magwell positively there seems to be some downward pressure from the sleeve that is enough to prevent the slide from locking back. Testing showed that the slide would lock back on the 17 round magazine when used without the sleeve.
Aside from the magazine issue, shooting the SR9C was actually rather pleasant. The SR9C is well balanced particularly with the 17 round magazine and the full size grip. The shaped grip fits the hand nicely and it sits well back into the web of the hand. The molded checkering aided purchase but was not overly abrasive. Muzzle flip was quite controllable and a return to the sights/target was rather quick for follow up shots.
I know most gun reviews have a section of the article devoted to accuracy. That is all well and good except for the fact that most of us do not use concealed carry pistols for target matches nor do we get the opportunity to shoot them from a benchrest in a showdown with a bad guy. Shooting a compact gun from a benchrest at 25 yards does seem a bit excessive to me.
Certainly one wants their defensive weapon to have a minimal amount of accuracy. As such accuracy testing is still helpful. For the purposes of this article, however, the accuracy test was done using a simple rest attached to a portable range bench at combat range (seven yards). Shooting conditions on the day of the accuracy testing were overcast with calm winds and a temperature of +18̊F.
Three loads were used in this phase of testing (It was all I had on hand). Break-in and the first set of accuracy testing was done with Remington 250 round yellow box bulk pack 115gr FMJ rounds. The smallest group measured .96" from center to center and the largest measured 1.71". The next round used was from a couple of old boxes of PMC 124gr. Starfire hollow points. The smallest group measured 1.08" and the largest was 1.76". The third round used was a handload I developed target practice and casual plinking. It is a simple formula of Accurate Arms No. 5 under 124gr. Winchester FMJ bullets. The smallest group for this load was 1.21" and the largest was 1,.93".
While I have other 9mm's that are more accurate, the Rugers numbers are certainly respectable. It is more than accurate enough for its intended purpose.
So, whats the final verdict on the SR9C? It is well made, affordable, comfortable to shoot, accurate, reliable (so far), and concealable. My only real gripes are mostly cosmetic or minor in nature and its only functional deficiency was easy to diagnose and is just as fixable. It will serve its designed purpose well and I recommend it without reservation for some one wanting an inexpensive but serviceable concealed carry 9mm.
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Total Comments 3
Great write-up. I am thinking about the SR9c myself, and found this most informative and useful. Thanks!
Posted 01-13-2011 at 09:30 by dugo
Excellent article. I recently purchased an all black SR9c and it is one nice gun. I have had no problem with the slide not locking back but it sounds as if there is a problem with the 17 round mag it can be solved by simply trimming the top of the extension.
I really believe this will be one of Ruger's top selling guns. It has everything you want in a carry gun. Great job Ruger.
Posted 04-14-2012 at 05:24 by cluznar
Thanks for reading! The mag issue cure was exactly as you described. We sell a boat load of these in both 9mm and 40S&W when we can get our hands on them. We just met with our Ruger regional rep for a big promotion we are doing and they cannot make their semi-auto's fast enough right now.
Posted 04-14-2012 at 07:40 by methodius


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It's easiest if both players have a PDGA rating, but not necessary. Just find out about what each player averages on the course and agree on what's a fair amount of strokes to give.
It's easiest if both players have a PDGA rating, but not necessary. Just find out about what each player averages on the course and agree on what's a fair amount of strokes to give.
Last edited by Adam; 04-24-2010 at 05:33 PM.
Where we have strong emotions, we're liable to fool ourselves. Carl Sagan
8 tags left - $10 each
who still wants one???
all 75 tags have been sold
if you missed your chance to get one - start listing your name and contact info here
tags are now $10 (i will put in an order once i have 5 - 10 players paid)
Last edited by martin; 05-24-2010 at 11:05 AM.
3 orders in so far - who still want a 2010 bag tag?!?
7 orders in so far - i just ordered more tags we will be topping out at 100
18 tags left to buy - place your order before they are all gone
I had a couple people at Thursday leagues ask me about tags. I'll find out who wants one and get back to you.
Where we have strong emotions, we're liable to fool ourselves. Carl Sagan
Get your Bag Tags for 2010 - approx. 15 Tags left
$10 for a tag - if you play Disc Golf in Louisville - you want - need - a tag
The one time contribution is all it takes - its okay if you never play your tag all season
The Tag is your Golden (silver) Ticket - The Bag Tag gives you entry into the Final Tourney (Sept/Oct) where anyone can win - be it #1 or #100 - anyone can go home with the prize - nearly $500 to be given away so far - with an estimate of nearly $1000 by Tourney Time
Bag Tags are completely and totally disc golfer supported - thank your fellow local players for making this such a successful disc golf venture year in and year out.
We currently have 82 players in the region with Bag Tags - Thats awesome!!
There are 14 Tags Still Available - $10 for a 2010 BAG TAG
Purchasing a Tag is a one time contribution to this Player Run Disc Golf Experience.
You may choose to play your tag amongst your friends - couple it with a $1 at league nights to increase the bag tag pot - play in monthly Bag Tag Tourneys - or just horde it (like that will help)
one way or another - having a BAG TAG will get you entry into the Final Tourney at Iroquois (most likely sometime at the beginning of November)
At the final Tourney - it will be a handicapped event - anyone can win - be it #1 or #100 everyone will have an equal opportunity to cash!!!
Estimating $1000 and prizes to be given away. Get your tag now as to not miss out on this once a year event!!!
TAGS are updated
I have 5 left for sale $15 each
Do you have a tag and your name is not on the list??? - Let me know
You must have your tag to compete at the end of the year
If your tag is lost let me know
I have sold all 110 Tags that have been ordered
If you have lost a tag or still want one list your name here - there might be another order
Last edited by martin; 08-18-2010 at 11:57 AM.
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TOLO® Farm Animals
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1 year & up. Introduce children to their first barnyard of animals and watch their imagination grow. The animals are very easy to hold and offer nearly unlimited play value. Figures measure from 5" L for the horse to 3 1/2"L for the lamb. Set of 4 animals.


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The basics of permanent life insurance
If you're shopping around for life insurance, there are a few questions to ask yourself: How much do I need? How long do I need it? And what type of policy should I buy?
When you've calculated your short- and long-term obligations (see how much life insurance do I need?), it's time to decide what type of policy is right for you: term life or permanent life insurance.
Term life insurance provides coverage for a specified period of time, such as 10, 15 or 20 years; premiums go up over time unless you buy a "level term" policy, which guarantees that premiums stay the same. It's possible that you could outlive the term of your policy, in which case your policy expires and you'd have to shop for another policy if you wish to still have coverage.
With a permanent life insurance policy, you don't have to worry about possibly outliving your policy term because your contract gives you coverage for your entire life, as long as the premiums are paid. With a permanent life policy, unlike term life, you also build up "cash value" in the policy that you can tap in the future.
Permanent life insurance charges and fees
Unlike term life insurance, permanent life insurance carries fees that add up:
• Premium loads/sales charges: These cover the insurance company's sales expenses and state and local taxes. They are deducted from your premium payment before it is applied to the policy.
• Administration fees: Pay the costs of maintaining the policy, including accounting and record keeping. Administration fees usually are deducted from your policy value once a month.
• Mortality and expense-risk charges: When your premium is calculated, the insurer bases your life expectancy on your current age, gender and health conditions. This charge compensates the insurance company in the case you don't live to the assumed age. It is charged once a month.
• Cost of insurance: The cost of having insurance protection. It is based on your age, gender, health and death benefit amount. It is charged once a month.
• Surrender charges: Deducted from your cash value if you surrender your policy during your surrender charge period. Be sure to check the length of your surrender charge period when evaluating a policy to buy.
• Monthly per thousand charge: This is a monthly charge based on your age, gender and underwriting classification.
• Fund management fees: These compensate the fund managers for their work. Fund management fees are usually deducted from the price paid for the shares of underlying fund options, and not directly from your cash value.
Source: Nationwide Life Insurance Co.
Premiums are significantly higher for permanent than term life due to charges and fees (see sidebar) that you don't pay with term life.
Cash value is a crucial selling point for whole life insurance: It's an account within your policy that builds up over time, tax-deferred, fueled by a portion of your premiums and interest paid by the insurance company. In fact, the permanent life contract is designed for you to take advantage of that money in the future. When you die, your beneficiaries receive the death benefit, not the cash value, with the exception of some universal life policies.
Permanent life policies build up cash value slowly at first but then pick up the pace after several years, when your earnings start to grow faster than your "mortality" cost (the cost of insuring you). Your life insurance agent should be able to show you a few types of policy illustrations.
State Farm Insurance points out that permanent life can be an attractive option for any of these reasons:
Others are relying on you for long-term financial support.
You're worried about outliving a term life policy and being unable to buy further insurance due to age or deteriorating health.
You want to build up cash value in addition to protecting your beneficiaries.
You want to create an estate for your beneficiaries after your death.
Your beneficiaries need the benefit to pay estate taxes when you die.
"Whole life does two things for you: protects your family and allows you to save for the future," says Scott Berlin, senior vice president of the individual life department at New York Life.
Berlin says whole life's advantages are that you don't have to worry about outliving your policy (as is possible with term life) and there is the "forced savings" component of the cash value account, which grows tax-deferred. Once your cash value is built up, you can access it for anything — retirement, your child's college tuition or the vacation you've always wanted. Whole life policies might be eligible to earn dividends (depending on the company and not guaranteed), which can be used in a variety of ways, such as providing paid-up additional life insurance, which increases both the life insurance benefit and cash value.
"Buying term is like renting your insurance," says Berlin. "You don't build up any residual value. Whole life is like owning a home — you build up equity."
Berlin cautions against buying term life insurance just because it's low cost life insurance.
"When you're 35 you think that 20 years is a long time, but life doesn't always work out like you think," he says. "People who buy permanent insurance understand the value of what they're providing to their family." For more on how cash value works and what you can do with it, see cash value in life insurance: What's it worth to you?
If you decide that a permanent life policy is right for you but feel you're currently unable to afford the premiums for the face value you desire, Berlin recommends buying as much whole life as you can afford and filling in the rest of your face amount with term life. Later, you can convert your term life policy to whole life.
For the wealthy with large estates, putting a whole life policy into a trust is a way to pay estate taxes when they die.
A smorgasbord of choices
Tips for shoppers of permanent life insurance
Find out the financial strength of the life insurer. Berlin explains the importance this way: "If someone owes you $250,000, who do you want to owe it to you?"
Have a good relationship with your agent — he'll need to locate policies that fit your financial situation.
Ask if there are protection features on the policy, such as a disability protection rider, because in the short term you are more likely to become disabled than to die.
Ask about the flexibility of the policy, such as your access to future cash value. Some whole life policies do not build up as much cash value as others.
Source: New York Life Insurance Co.
If the features of permanent life insurance fit the bill for you, there are multiple varieties depending on your needs and your tolerance for financial risk.
Ordinary whole life insurance: Premiums are level as long as you live and your policy builds cash value. The initial annual cost will be much higher than the same amount of term life insurance, but as you get older that gap closes.
Limited payment whole life insurance: This policy lets you pay premiums for only a specific period, such as 20 years or until age 65, but insures you for your whole life. Thus, premium payments will be higher than if payments were spread out through your lifetime.
Single premium whole life insurance: This policy is paid up after one large initial payment.
Modified premium whole life insurance: This policy has a moderate cash value component and provides a lower premium during the early life of the policy. It has the ability to accrue cash value that can be accessed by the policyholder, tax-free, for anything from funding a child's education to supplementing retirement income to purchasing a new home.
Universal life (UL) insurance: This policy lets you vary your premium payments and adjust your death benefit as beneficiaries' needs change. You have to be aware of how much is in your account and whether you need to make payments in order to keep the policy in force.
There are also UL policies that can provide level premiums. These policies may offer lower premiums in exchange for a slow accumulation of cash value, if any.
Variable universal life (VUL) insurance: Here your cash value and death benefit are tied to a particular investment account. Your cash value and death benefit increase if the underlying investments do well, or they may shrink considerably under poor investment performance. Read the prospectus for VUL carefully and never buy a policy that you don't understand. There may be an extra premium required to guarantee a minimum death benefit amount.
Survivorship life insurance: Also called second-to-die life insurance: This type of whole life policy insures two lives (typically a husband and wife) and pays out upon the death of the second individual. This is good for people who need to provide for beneficiaries only after both have passed away. It is also less expensive than insuring two lives under separate policies.
Participating or non-participating whole life insurance: Any type of permanent life policy listed above could be "participating" or "non-participating." You have a participating policy if your life insurance company pays dividends to policyholders when it has a good financial year. Dividends are not guaranteed and they will vary year to year when they are paid, but if you have a participating policy you can take your dividends as cash, use them to pay your premiums or use them to purchase additional insurance to increase your policy's face value.
Dividends are not taxable as long as they don't exceed the premiums you've paid in.
The life insurance illustration
Tapping life insurance cash value
Your policy's cash value account gives you some financial options once it has built up. You can withdraw your cash value and use it to pay for medical expenses or a child's education — or whatever you like. Or you could take out a loan using your cash value as collateral. If you die before paying back the loan, the amount (with interest) will be deducted from the death benefit paid to your beneficiaries.
Remember, the cash value grows tax-deferred.
In addition, federal and state bankruptcy laws exempt cash value (amounts vary by state), protecting it from creditors.
But also consider the implications of not tapping your cash value: With ordinary whole life policies, your beneficiaries do not receive the cash value when you die; they receive only the death benefit.
If you don't like this idea, there are some universal life policies that offer the death benefit plus cash value or the death benefit plus return of premium upon your death.
Source: New York State Insurance Department
If you're considering a policy in which premiums and death benefits fluctuate depending on investments or interest rates, you should receive a life insurance illustration from your agent. This is a picture of what could happen with your policy. Or again, maybe not.
The illustration should show you what the insurance company will guarantee (such as any guaranteed interest rates or death benefits) and what will be left open to market conditions. You'll be asked to sign a form stating you understand that some parts of the illustration are not guaranteed.
For an example of a New York Life Insurance Co. illustration, see cash value in life insurance: What's it worth to you?
Being paid up
One happy stage of whole life insurance is when the policy's cash value is sufficient to cover your future premiums and you no longer need to make premium payments out-of-pocket. This is called a Premium Offset Proposal, or "POP" arrangement. "POP" means that your cash value is now large enough that it can be used by the insurer to pay your premiums for the rest of your life. You can still withdraw your cash value, but you'll have to resume premium payments to keep the policy in force or settle for a reduced benefit that the remaining cash value can support.
You could also choose a "limited pay" policy, for which your premiums are calculated for a set number of years or a certain age, like 65.
For example, New York Life offers "New York Life Custom Whole Life," a life insurance policy that lets you choose your own guaranteed paid-up date. (You must pay premiums for at least five years and cannot pay premiums past age 75 for this policy.) So, say you want to retire in 12 years and you want your policy to be guaranteed paid-up at that time. New York Life will calculate the premium necessary to have your policy fully paid-up in 12 years so that you won't have to worry about paying life insurance premiums during your retirement. If your need for the full life insurance benefit is reduced during your retirement, you can also begin withdrawing or borrowing from your cash value to supplement your retirement income.
Planning for all situations
Watch out for these sales tactics
The hard sell: An unscrupulous insurance agent may push whole life insurance when term insurance is sufficient for your needs; the whole life insurance sale provides him a larger commission.
Churning: If your agent suggests your current policy needs to be replaced, be wary. "Churning" is when an agent convinces you to surrender an old policy and buy a new one because he makes a new commission off you.
You thought you were paid up: Has your agent informed you that you must continue premium payments when you thought your policy was paid-up? You may have signed papers allowing your cash value to be used to buy another policy.
Source: National Association of Insurance Commissioners
Life insurance companies offer a number of riders that can be tacked on to permanent life policies. (All riders may not be offered by all companies, and many insurers offer other specialized riders not listed here, so check with your agent.)
Accidental death benefit rider: Pays an additional benefit if you die in an accident.
Disability income rider: Provides regular income from the insurance company if you become totally and permanently disabled.
Level term rider: Adds a fixed amount of term insurance to the whole life policy for a specified period.
Living benefits rider, also known as accelerated death benefit: Pays a portion of your death benefit during your lifetime if you are diagnosed with a terminal illness and have a specified life expectancy (such as 12 months). You can add this rider after buying the policy.
Long term care (LTC) rider: Pays for LTC expenses if you meet certain criteria.
Policy purchase option: Gives you the contractual right to purchase additional insurance without evidence of insurability. For example, you may need additional life insurance after the birth of a child.
Waiver of premium rider: Waives premiums if you become disabled or unemployed. (Terms vary by insurer.)
Term vs. perm: A comparison service
You've probably heard the advice "buy term and invest the difference." And to make that work you must have the financial discipline to actually invest that difference every year.
The Consumer Federation of America (CFA) offers a Rate of Return (ROR) service that provides you with a report comparing the estimated "real" investment returns on a cash value policy versus a term policy with the premium difference invested in a savings vehicle. The service is manned by James Hunt of the CFA, a life insurance actuary and a former insurance commissioner of Vermont.
An analysis can be run for policies you're considering or already own. For an example of Hunt's comparison, see cash value in life insurance: What's it worth to you?
Maximizing your cash value policy
Hunt says that because of the high fees associated with whole life, you want to look for ways to maximize your premium dollar within the policy. He suggests these strategies:
Decline all riders (except term riders on your own life and waiver of premium disability riders) because they'll eat into your cash value potential.
When you look at the policy illustration, make sure your first year's cash surrender value is a significant portion of your first year's premium outlay. (A good number would be 50 percent or higher.)
Consider buying direct rather than through a fully commissioned agent. Examples of direct sellers are Ameritas and TIAA-CREF. Returns on these "low-load" policies are generally higher than returns on comparable policies purchased through agents. Working with a direct seller will force the agent to arrange policy terms to reduce sales cost.
If you are looking at cash value life insurance to possibly supplement retirement income, Hunt advises that you may be better off buying term life and maximizing other tax-advantaged retirement plans first, such as your 401(k), 403(b), IRA or Roth IRA.
Wanting out of your life insurance policy
Perhaps you committed to a permanent life policy many years ago and no longer want or need it. If you simply stop paying the premiums, this will "lapse" your policy and you'll have to chalk it up to an expensive mistake. If you have held the policy long enough to build up cash value, your insurance company will start using the cash value to cover premiums until the cash value runs out.
Instead of lapsing your policy, inform your insurance company that you want to surrender the policy. You'll then receive the current cash surrender value, minus any loans against cash value you took out and unpaid premiums. You may also be hit with a surrender charge for getting out of a UL or VUL policy. Surrender charges can amount to 100 percent (or more) of the first year's premium and usually start to grade off over 10 to 15 years, according to Hunt. With some policies it may take 20 years before surrender charges disappear.
Or, if you have enough cash value, you can ask the insurer to consider the policy "paid up" at a lower death benefit.
Lapse and surrender rates for life insurance show that indeed there are many folks who end up with buyers' regret. Statistics from LIMRA International, a financial services industry research group, show that by policy year five, 69 percent of whole life policies are still in force; that drops to 50 percent in year 13 and 39.6 percent in year 20.
No matter your reasons for considering permanent life insurance, rule No. 1 is to never buy a policy you don't understand.
Ready to get a quote?
Get quick and easy life insurance quotes.


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Comments about Park Tool BBT-18 Bottom Bracket Tool:
It worked for my truvativ giga pipe bottom bracket. 8 slots.
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Comments about Park Tool BBT-18 Bottom Bracket Tool:
Park tools are among the best bike tools. Cost a little more than others but quality has a price
Comments about Park Tool BBT-18 Bottom Bracket Tool:
Don't buy this tool. Older BBT-8 is much better for an ISIS BB. This tool was returned. It replaces Parks previous ISIS tool and is inferior. The tolerances are much less tight (it fits v loosely on your BB), the corners of the teeth are not as square as they were on the prev model either and they're smaller too. I had this tool and the previous version (BBT-8?) in my hands. I measured them both with digital vernier caliper to confirm my suspicions. Sure enough the BBT-18 was 0.75mm wider (inside tooth to opposite inside tooth). This means the teeth seat only ~half-way down into your BB notches, putting ~double the strain on the notches in the cups and therefore greatly increasing the likelyhood of damage. The guy that built my bike overtightened the BB and didn't use enough anti-seize. The tool stripped it (despite soaking in WD40 from both sides and using skewer & washers to hold tool tight to the BB). However, it stripped not because the BB was *too tight* (to be removed without damage), but because the teeth of this tool did not tightly fit the notches on the BB. The older (better) version (as owned by local bike mechanic) removed the BB even with half-stripped notches. It did cause some additional damage, but likely only because the notches were already half stripped by the BBT-18 imo.When you hold both this and the older version side by side, there is only one of the two you want to own and it is NOT this one. Find the older one. It's better. If your BB is tight, or if it ever might get seized, you will benefit from the tighter tolerances and squarer teeth of the older tool. Trust me, this tool just destroyed a perfectly good BB I could have eBayed and almost took the frame with it by leaving a stripped BB stuck in there. The tool will work on loose BBs, but it's not worth the risk when you can get better for the same $. NB, it may be possible to hammer the teeth back in towards the center and therefore a bit to get a tighter fit, but I was concern ed about breaking them off preventing a return.... The fact that the guy in the store took the return when I demonstrated the difference in the tolerances between this and his own BBT-8, is proof that he too thought it was unacceptable.
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Get free Standard Shipping with your $50 purchase today! Just choose Standard Shipping during checkout.
Please note this offer is only available to physical shipping addresses in the 48 continental United States (no PO Boxes), and oversize charges still apply on some heavy/large items.


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Hey folks.
My baby boy was born tonight at around 7:00.
8lbs one ounce. Looks just like me.
We haven't decided on a name yet.
My wife labored for two days without pain medication only to have a C-section
after about 50 hours. Little guy just would not drop. She is recovering
nicely from her C-section.
I'll see you on the course. Don't worry I'll be there.
Take care


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Crown Colony Office Park
500 Congress Street, Suites 1C & 2B
Quincy, MA 02169
Appointments: 617-774-1717
Monday – Friday: 8:00am - 6:00pm
Located in the Crown Colony Office Park, the Quincy office is within walking distance to the Quincy Adams T station. Free shuttle service is available from the T station to the park on weekdays between 6:00 - 9:00 a.m. and 3:00 - 6:00 p.m. Bus route 238 is also near the T station.
The office is within one mile of the South Shore Plaza, with immediate access to Route 93, Route 128, and Route 3.


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Films by Ben Rivers
Acclaimed UK artist and filmmaker Ben Rivers has produced a series of rich, expressive portraits of people living on the wilderness fringes of Europe and the British Isles. Rivers draws upon his days co-programming the renowned Brighton Cinematheque to present his work. Ben Rivers will be present for audience discussion.
Produced by:
Directed by: Ben Rivers
Written by:
Running time: 1hr 30min
|Theaters for Today


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Halloween is the time of year when all the witches, wizards, zombies and monsters come out to play. Check out our gothic section to find some of the awesome darker style hats that you have been looking for. Browse our wide selection of styles including fez hat, bishop, top hat, witch hats, and other gothic hat styles. Gothic imagery has been around now for decades and it is actually a very attractive and striking style to so many people. This isn't the dark sad gothic section, this is the beautiful dark and artistic section of hats and caps. If you are looking for killer long white gloves made of lace and other materials then you will find them here. We carry such a wide variety of colors, sizes, and styles of hats, caps, and accessories there really is something for everyone no matter how unique their style might be. This is the perfect style for Halloween costume parties and gatherings.
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Economic & Financial Intelligence
This unit provides research and analysis of economic and financial conditions to facilitate sound decisions on public policy and fiscal management. Responsibilities include economic forecasts, economic modeling, projections of GDP and the development of key economic indicator. Analysis and commentary on economic and financial statistics are provided, and an annual and mid-year review and outlook are produced. The unit also manages the relationship with credit agencies and government lenders.
Ministry of Finance 2nd Floor | Government Administration Building | 30 Parliament Street | Hamilton | HM 12 | Bermuda T. 441-295-5151 | F. 441-295-5727


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Find answers to common SIMPLE Mobile questions below.
Firstly, check if your phone is configured to send incoming calls from some or all numbers directly to Voicemail. This is a setting change you will need to make on the phone itself.
If that is not the problem, try doing a manual network selection on your phone to a network other than SIMPLE Mobile. That selection should fail; and then try selecting SIMPLE Mobile again. If after switching back to SIMPLE Mobile your calls are still going to Voicemail, please contact Customer Support at 877.878.7908
Voicemail Instructions for Domestic & International:
Option 1: Calling voicemail from your mobile phone
To call voicemail from your mobile phone, perform the following steps:
Option 2: Calling voicemail from a landline
NOTE: You will be billed applicable long distance fees from the landline carriers in the area you are located. SIMPLE Mobile will not credit these landline charges.
To call voicemail from a landline, perform the following steps:
NOTE: If your handset is powered on and/or you are registered on another mobile company's network, please be aware that call delivery fees will apply. To avoid these fees, power off your handset before calling your mobile number from a landline. Even then, it may take up to an hour for the mobile company to drop your registration.
Option 3: Calling voicemail from a landline by dialing 1-805-MESSAGE
NOTE: You will be billed applicable long distance fees from the landline carriers in the area you are located. SIMPLE Mobile will not credit these landline charges.
NOTE: You will be required to type your mobile number. To call voicemail from a landline by dialing 1-805-MESSAGE, perform the following steps:


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The fans have spoken, now it's time to witness the Ultimate Battle of the Boroughs. The finalists from each borough will face off to see who will be named the best in New York! You can be a part of all the action and vote for your favorite band! You can TEXT your votes using our artists codes during the show to 69866: Brown Rice Family: BK The Mick Watley Band: ST BODOMA Garifuna Cultural Band: BX KHORIKOS: MN The Great Apes: QN


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hahahahaha (sarcastic). Of course bs always comes up when i sign up for a tourney here recently. While I won't have lab, I was just informed that get my season tickets to UL football/basketball, I have to show up to the spring game and sign in with my group I signed up with. Hopefully that will be a quick sign up and I can get out. My plan is to leave as soon as I finish the round, go sign up, and be back within the lunch break, but if I can't, I guess I'll just have to 999 the second round. GRRR!
"The best laid plans of mice and men often go awry."
Hows this tournament being played ?
1 round & done
2 rounds
or 1 round with 2nd round play off ?
1st time in this tournament & i just noticed there is no info on how it will be played
PDGA # 50 7 25 currently rated 858
2 rounds of 18
Almost all one-day tournaments are two rounds. The New Year's Day one is one round and a playoff mainly because there's a shortage of sunlight.
"That's what she said."----Michael Scott
Don't you have a brother or someone who looks like you that you could send to the sign-in with your student ID?
"That's what she said."----Michael Scott
^ ^ ^ maybe you can get out in the 1st group so you finish early on the 1st round & then get put in the last group on the 2nd round. That would give you max time to get that shight done.
So ready for this. Weather is now looking good 78 & mostly sunny. I hope so cause i'll be in a car with NO ROOF lol
PDGA # 50 7 25 currently rated 858
Make sure if you havent yet to review the course of DGCOURSE REVIEW http://www.dgcoursereview.com/course.php?id=4276
Currently Seviren is on the way to be rated the #1 course in the state of Indiana - with upwards on 90 players coming to play (the course has only been reviewed 18 times) - many of you have yet to say your 2 cents. Please do...Lots of golfers and other outlets check this stuff out.
Lunch on Saturday
Boy Scout Troop 4025 of Georgetown, IN will be serving lunch at the course.
Menu: -
BarBQ on bun
cookie or apple
or $7 with Gatorade
or ala carte
Sandwich $4
chips $.50
Cookie 2/ $1
Water $1
Gatorade - $2
All proceeds from concessions will go to Boy Scouts Troop 4025 to help with expenses traveling to Florida in July to the National High Adventure Sea Base. The troop will be respresented by 9 scouts and 4 adults. We appreciate your patronage.
Where we have strong emotions, we're liable to fool ourselves. Carl Sagan
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A Phase I/II, Open-label Study of Nivolumab Monotherapy or Nivolumab combined with Ipilimumab in Subjects with Advanced or Metastatic Solid Tumors
Bladder | Breast - Female | Lung | Pancreas | Stomach
What is the purpose of this trial?
To investigate the safety and efficacy of Nivolumab as a single agent or in combination with Ipilimumab in 4 tumor types - triple-negative breast cancer (TNBC), gastric cancer (GC), pancreatic adenocarcinoma (PC), and small cell lung cancer (SCLC).
Participation Guidelines
- Age:
- Gender:
Click here for detailed information about who can participate in this trial.
- Sponsor:
- Bristol-Myers Squibb Company
- Dates:
- 02/04/2014
- Last Updated:
- Study HIC#:
- 1311013060


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Beth Sergent email@example.com
October 18, 2013
MASON COUNTY —After many delays, including the appointment and reappointment of a special prosecuting attorney, the trial of a man accused of murder is still slated to go on Nov. 12 in Mason County Circuit Court.
According to the latest court papers filed in the office of Mason County Circuit Clerk Bill Withers, State v. Steven L. Adkins, Jr., is still scheduled to go to trial at 9:30 a.m., Nov. 12 with a pretrial hearing slated for 9:30 a.m., Oct. 28. Of course, this is subject to change.
Attorney Chris Chiles is the most recent special prosecuting attorney appointed to the case. Judge David W. Nibert requested a new special prosecutor be chosen by the West Virginia Prosecuting Attorneys Institute which recommended Chiles who is the prosecuting attorney for Cabell County. The previous special prosecutor in the case was Mark Sorsaia, prosecuting attorney in Putnam County.
Sorsaia was appointed as special prosecutor back in February to avoid any conflicts of interest. As reported earlier, Adkins was originally charged with murder and conspiracy in the shooting death of René Gonzalez along with Matthew C. Woods, 25, Gallipolis Ferry and Chad W. McCallister, 32, Apple Grove. New Mason County Prosecuting Attorney Craig Tatterson was appointed to represent Woods in January 2012 when he was a private attorney. Tatterson asked to be removed from Woods' case to avoid any possible future conflicts of interest and another attorney was appointed last year.
Then, in July, the Point Pleasant Register reported Elizabeth Sunyog, former co-counsel for Adkins, accepted a position as an assistant prosecuting attorney with the Putnam County Prosecutor's Office - Sorsaia's office. Nibert approved Sunyog's motion for withdrawal and Sorsaia was also released from the case.
There was also a delay when Adkins requested a change in counsel. Currently, Attorney Bryan Cromley is listed as Adkins' co-counsel along with Attorney Bryan Escue.
Adkins, 27, Apple Grove, stands accused of shooting and killing Gonzalez at his Gallipolis Ferry home in 2011. He was indicted in January 2012 for the crime and has pleaded not guilty. He is being housed in the Western Regional Jail.
As previously reported, Adkins remains the last defendant in the Gonzalez murder who has not gone to trial or accepted a plea.


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Notify Me! The product you are searching for is out of stock. If you wish us to notify you when the product is in stock please submit your name and email.
|The Vans Era Pro Shoe features an all-over floral print with a canvas upper, metal eyelets, low-profile style ona vulcanized gum rubber outsole with the classic Vans Waffle grip.


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Dear Mr. Harris,
This world; this civilization ,screams out for an explaination, an examination, a deep, deep look at religion , so your books are not only helpfull, but timely. Both books are good; I, for one ,am very glad you wrote them, but I have a problem with "christan Nation " .
It's as though you decided to scold Christians, as if THEY were an outstanding example of corruption in the world of religions. I believe you do know that's not so, but there are probably thousands of others who think you are singling out Christians as bad.
I can see many a Muslim crowing with satisfaction ,high-fiveing one another and saying : "see ? we always did say that Christianity was sinful and needs to more like our religion !
I may be wrong, but that has been bothering me for a long time.
You must know that Islam is a far greater threat to civilization . By modern standards it is backward and inhumane . It's a terrible threat to democracy compared to Christianiy . If I had the talent to write like you do I'd try to make sure the reader understands this.
Maybe it's me who does'nt understand ? I'm sorry , but that's how I feel.


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Aloe Vera with Vitamin E
Apply this all-natural aloe vera treatment with Vitamin E and rejuvenate very dry and cracked skin. Acts as a healing agent to relieve minor skin discomforts and irritations like sunburn and scars. Use daily for best results. 60 snip-off capsules. USA.
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Gallery: Repurposed Barge & 100-Year-Old Tugboat Let New Yorkers Experi...
The Waterfront Museum occupies the Lehigh Valley No. 79 barge, the only surviving all-wooden example of the Hudson River Railroad Barge from the Lighterage Age (1860-1960). David Sharps, director of the museum, purchased the barge for $1 in 1985. It was half under water and in terrible condition — it took two years just to get the 300 tons of mud, caked on eight feet deep, off of the boat and to get the boat to float again. Still, the bow and the stern deckhouse have not been finished, and the roof needs new hatches to allow cargo to come in and out.
Tug Pegasus served in the harbor for 90 years, originally used by the Standard Oil Company of New Jersey. The tug retired in 1997, the official Tug Pegasus Preservation Project began in 2000 under the direction of Pamela Hepburn. The boat's structural strength is evident in that she's still running after all these years, but much still needs to be done. "We've gotten preservation to the point where the boat is safe," says Hepburn. The deck still needs to be adequately repaired, and the diesel engine, which was installed in the 1950s when the tug was converted from steam to diesel, would benefit from being rebuilt.
The Waterfront Museum and Tug Pegasus would both be able to make these necessary renovations if they are one of the winning contestants in the Partners in Preservation program. The program selected 40 historic sites throughout New York City to vie for part of $3 million which would go towards preservation efforts. The public votes for which site they want to receive the funds, and when voting ends on May 21, the top four sites will each receive $250,000. The rest of the funds will be split between the remaining sites.
Both the Waterfront Museum and Tug Pegasus aim to better connect New Yorkers to the water — in a more meaningful way than pedestrian piers and grassy waterfront parks. The harbor and rivers have always been vital to New York City, and the museum and tug work to engage the public in maritime activities by offering free public programs and educational programs with local schools.
The Waterfront Museum docks permanently at the end of Conover Street in Red Hook, opening up to the public on Saturdays and Thursdays, and Tug Pegasus was just recently awarded a berth at Pier 25 on the Hudson River in Manhattan. The two vessels tour together, visiting different piers throughout the city. You can stop by and visit them May 12 and 13 on Pier 25, and again on June 27 and July 2.
+ Waterfront Museum + Tug Pegasus Preservation Project + Partners in Preservation + Vote for the Tug Pegasus & Waterfront Museum
All photos © Jessica Dailey for Inhabitat
. . This post is sponsored by Partners in Preservation. Inhabitat has partnered with the project as a blog ambassador to help spread the word and raise awareness of select historical sites throughout New York City. All opinions expressed here are strictly the author's.
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Butterfly Shape Wall Clock
Create it yourself! Add an interesting conversation piece to your home dÅcor with this beautiful butterfly wall clock. It comes with one 4"Diam. timepiece and 12 chrome-look butterflies of various sizes that act as the clock's numbers. Arrange them as you choose! Adheres to any wall. Easily repositionable. Quartz movement. Metal. Uses 1 AA battery (not included).
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Tempted to go ahead and write your own plugin ? No obligation, but you might want to share it with the Sonar community. In that case, subscribe and send an email to the Sonar development mailing list. You will then benefit from the Sonar plugins forge to publish the plugin, have access to Subversion to store the source code and to JIRA to file your issues.
When you utilize the forge, we request that you respect the following principles :
- A plugin is built with Maven 2.
- You should follow Best practices and Sonar Code Style.
- When you create a plugin called 'foo', it should be stored in the directory 'foo'. Maven groupId is 'org.codehaus.sonar-plugins' and artifactId is 'sonar-foo-plugin'.
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Request hosting
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Starting from Sonar plugins parent POM version 4 we are using maven-license-plugin for checking and for managing license headers in source files (currently only java-files).
Here is a brief description of how we recommend to use this plugin :
- Define licenses, inceptionYear and organization in your pom.xml file :
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For detailed instructions on how to use this plugin see plugin homepage.
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- Set your Codehaus username/password in Maven settings.xml :
- Add the plugin to the main pom in the forge
- Request on the development mailing list that a Bamboo build is added for the plugin
Call a Vote
Before a release can occur, a vote typically takes place. This is initiated with an email to the dev mailing list with a link to the snapshot version, preferably with a subject that starts with [VOTE]. Explain the plugin, status and any other info you feel relevant. The standard is to wait 72 hours for responses. This gives other developers time to verify the validity of the plugin before placing their vote. Votes are represented as numbers between -1 and +1, with -1 meaning 'no' and +1 meaning 'yes.'
Only Sonar plugin commiters can vote. To pass, a vote should :
- have a minimum of three +1
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Perform the Release
- Close the vote on the dev mailing list
- Execute the maven-release-plugin, use default values :
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U.S. Rep. Howard Coble said he has yet to decide if he's running for re-election.
"The appropriate word is 'undecided,' " he said Thursday afternoon. "We've still got a good time to go (before the election)."
Questions pertaining to Coble's re-election plans arose this week when it became public he's planning a fundraiser in September. Coble said that doesn't mean a lot, and said there's a good chance he won't be decided if he's running for office even in September.
The Guilford County Republican is up for re-election in 2014. Coble, 82, did say his health is much improved from bouts with dizziness he suffered earlier this year.
"My only health problem is a bad back," he said. "I've got good days and bad days with my back."
Coble underwent back surgery last summer.
The deadline to file to run for the seat is February 2014. The 6th District includes all or part of 10 counties, including parts of Alamance County.
Ed McDonald. Coble's chief of staff, has noted that Coble has filed appropriate paperwork with the Federal Election Commission should he decide to seek re-election. McDonald said such paperwork is necessary if a candidate raises at least $5,000 in an election bid.
Coble's September fundraiser will be in Washington. McDonald said money generated from the event will be needed regardless of Coble's eventual decision. He said it'll go toward routine operations such as paying for office space, the campaign website and a part-time staffer.
Coble is in his 15th term in the U.S. House, first elected in 1984. A number of area politicians have said they might consider running for the seat, but only if Coble doesn't seek re-election. McDonald said Coble doesn't discourage them from filing to run against him.
"Howard's told them, 'Even if I decide to run, don't let that stop you from running for Congress. It's not my seat," McDonald said.
Don Webb, a Republican from High Point, announced this week his plans to run for the 6th District seat. He describes himself as a conservative.
"It's time for a representative who will fight for less government control and more individual freedom," Webb said in a news release.
Webb graduated from the U.S. Naval Academy and served five years as a Naval officer. He's a financial adviser, a member of the Piedmont Triad Airport Authority, High Point University's Board of Visitors and the High Point Regional Health Foundation Board.


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ABC hasn't had much luck Sundays at 10pm. GCB was cancelled last year and 666 Park Avenue was dropped this season. Has the network found a winner in Red Widow or will it be rubbed out as well?
Red Widow revolves around a suburban mom whose husband is killed after he steals from the Russian mob. She finds herself caught between the interests of the mobsters and the FBI. The cast includes Radha Mitchell, Clifton Collins Jr., Luke Goss, Sterling Beaumon, Suleka Mathew, Erin Moriarty, Jaime Ray Newman, Jakob Salvati, Lee Tergesen, Wil Traval, Rade Serbedzija, and Goran Visnjic.
The two-hour series premiere on March 3rd drew a 1.5 rating with 7.13 million total viewers. It was a disappointing start to be sure and Red Widow was in fourth place in its 9pm timeslot.
Compared to the debut of GCB one year earlier, the network was down by 32% in the demo and down by 6% in viewership.
In week two, the ratings fell about 25% and registered a 1.1 demo rating and 5.31 million. Last week's installment dropped again, to a 1.0 rating with 4.36 million.
It's currently the network's lowest rated series currently on the schedule. Unless the show's ratings quickly rise, Red Widow is surely doomed and won't see a second season.
On the positive side, ABC will surely let all eight episodes air. The last episode of the season (and likely the series) is scheduled to air on May 5th. Hopefully the finale will give viewers some sense of closure.
But what do you think? Should ABC cancel Red Widow or renew it for a second season instead? Why do you think it hasn't caught on? Is Red Widow a better show than the ratings seem to indicate?
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Washington, D.C. – U.S. Senator Kay Hagan's bipartisan Newborn Screening Saves Lives Act moved one step closer to Senate passage today, winning unanimous approval from the Senate Heath, Education, Labor and Pensions (HELP) Committee. Hagan, Chair of the Subcommittee on Children and Families, made timeliness a key component of the bill after recent news reports uncovered serious lapses in the newborn screening system at hospitals and laboratories. The bill, which Hagan introduced with Senator Orrin Hatch (R-UT), now moves to be considered by the full Senate.
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Hagan included several new provisions in the Newborn Screening Saves Lives Reauthorization Act intended to improve the timeliness of the newborn screening system, including sample collection, delivery, receipt, and testing to ensure a rapid diagnosis and appropriate treatment. These provisions include:
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· Directing the Advisory Committee on Heritable Disorders in Newborns and Children to provide recommendations, advice, and information on timely collection, delivery, receipt and screening of specimens to ensure rapid diagnosis and follow up.
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Please click here for more information on the Newborn Screening Saves Lives Reauthorization Act.
"With this vote of approval, the Newborn Screening Saves Lives Reauthorization Act has taken a major step toward ensuring the continued smooth functioning of our nation's life-saving newborn screening system," stated March of Dimes President Dr. Jennifer L. Howse. "The March of Dimes commends the Senate Committee on Health, Education, Labor and Pensions for acting on this vital legislation, and we are deeply grateful to bill sponsors Senators Kay Hagan (NC) and Orrin Hatch (UT) for championing the health of infants."
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Groups supportive of the Newborn Screening Saves Lives Reauthorization Act
Alpha-1 Foundation
American Academy of Pediatrics
American Association for Clinical Chemistry
American College of Medical Genetics
American College of Nurse-Midwives
American Congress of Obstetricians and Gynecologists
Association of Maternal and Child Health Programs
Association of Public Health Laboratories
Children's PKU Network
Genetic Alliance
Hunter's Hope Foundation
Immune Deficiency Foundation
Jeffrey Modell Foundation
Lymphedema Advocacy Group
Madison County Community Health Centers, Inc
March of Dimes
Mended Little Hearts
Muscular Dystrophy Association
National Association of County and City Health Officials
National Association of Neonatal Nurses and National Association of Nurse Practitioners
National MPS Society
National Tay-Sachs & Allied Diseases Association, Inc.
Organic Academia Association
SCID Angels for Life Foundation
The Legacy of Angels Foundation
Trisomy 18 Foundation
Tuberous Sclerosis Alliance
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Roberto & Me
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Not a twin, but try Tumulte pour homme.
Thread: Replacement for Gucci Pour Homme
I've been lurking around this forum for a few months and am a relative newcomer to the wonderful world of scents. Until recently I would only wear scents which were gifted by friends and family. However all this changed when I start travelling regularly to the middle east with my job and discovered the wonderful oudhs, particularly in Dubai.
I will write more later but a particular favourite of mine has been GPH (the 2003 Tom Ford creation) which is now very difficult to find. This was the first scent i came across which I truly fell in love with. I have recently bought M7 Oud Absolu which I find to be similar (but lighter) and Kalemat (from Arabian Oud, which again very similar, but heavier), whilst both of these have the same oudhy notes as GPH I was wondering what other forumers are using to replace GPH.
Not a twin, but try Tumulte pour homme.
I literally just put a bottle of Gucci Pour Homme in the swap section here on BN. I love the stuff, but I have two bottles and at the rate I wear it, one bottle will last me an eternity.
Anybody have a sample of Martin Margiela Untitled or Untitled L'Eau? I'm dying to smell these and I've got lots of great niche samples to swap!
"Follow your nose. It always knows." -- Toucan Sam
I would say Eau Sauvage. Not a similar smell but same type of vibe(imo) , but I could be wrong bcuz I have only worn GPH 2x's.
Sent from my SGH-T999 using Tapatalk 2
GHP can still be found, even though it is getting more difficult.
Pesonally I find these to work when in the same mood (not clones or identical, but have a similar vibe IMO):
Dirty English (also discontinued, but can still be found)
Bond No. 9 I Love New York for Marriage Equality
Welcome to Basenotes!
Seasonal favorites:
1. Xerjoff - Nio
2. Creed - Aventus
3. Tom Ford - Grey Vetiver
4. The Different Company - De Bachmakov
5. Dior - Homme Sport 2008
6. Montale - Aoud Legacy
7. Creed - Virgin Island Water
8. by Kilian - Straight to Heaven
9. Creed - Original Cologne
10. Clive Christian - 1872 for Men
Comme de Garcons 2Man.
Although I don't really think anything can be an exact substitute for Gucci Pour Homme, I have found that the closest to the same 'feeling' is probably Carbone de Balmain.
My current top 10 (subject to change) in no particular order:
Rive Gauche Pour Homme, Serge Lutens Cuir Mauresque, Armani Prive' Nuances,
Armani Prive' Bois d'Encens, Ermenegildo Zegna Indonesian Oud, Essenza de Zegna, Amouage Beloved Man, Fahrenheit Le Parfum, Dior La Collection Couturier Vetiver, and Rasikh Syed Junaid Alam.
Have you tried Wonderwood? That is about as close as it gets if I remember correctly.
My current top ten:
1. Spice and Wood
2. Tonka Imperiale
3. Dior Homme
4. Pure Malt
5. Oud Wood
6. Ambre Nuit
7. L'air Du Desert Marocain
8. Noir de Noir
9. Apple Brandy
10.Straight to Heaven
Thanks for all the quick replies. Appreciated!
I will check out 2Man, Wonderwood et al.
However I'd still like to know why Gucci discontinued this after a relatively short period of availability. Was it a licensing issue or just general lack of demand?
For a cheapie, I find Tommy Bahama original (in the brown bottle) to be in the same vein as GPH1.
+1 on Tommy Bahama: nearly identical for under $20.
Are you serious? Tommy Bahama? Thanks for letting me know because I love GPH1 and I have always wanted to find an alternative due to it having been discontinued and the escalating price it fetches on the market.
Carbone de Balmain is very very close.
Want to trade - Chanel Platinum Egoiste for Dior Eau Sauvage...
If your going to look into buying Tommy Bahama then I'd spend a couple of extra bucks and get either He Wood or Rocky Mountain Wood. The later 2 improve on the woody aspect of GPH I, but none of them have the smokiness.
If you buy Tommy Bahama expecting a suitable Gucci PH 1 substitute, you're in for a big disappointment my friend. Dirty English is more in the same vein, but it's not the same. I haven't tried the others mentioned, but they may be a better shot b/c TB and DE just aren't gonna cut it.
"I am a robot and I like cheese"
Top 5:
1. Axe Kilo
2. Lectric Shave
3. Vicks Vapor Rub
4. Febreze Pour Homme
5. Preferred Stock
Another for Tumulte Homme
Etro Ambra is kinda similar. A bit softer, a bit sweeter.
+1 to Wonderwood and Tommy (yellow box), I'll also throw in a mild suggestion for something like Avignon, but Wonderwood's probably better for what you want.
Tom Ford Splits!!!! - Tobacco Vanille, Tuscan Leather, Oud Wood, Noir de Noir - PATCHOULI ABSOLU
Plum Japonais, Italian Cypress, Neroli Portofino, Costa Azzura, Azure Lime, Champacca Absolute
HARD TO FIND - Lavender Palm, Arabian Wood, and AMBER ABSOLUTE, etc...
Most of the time I am very proud of the Basenotes community. Time after time I have witnessed the thoughtfulness, empathy & genuine friendship that members of this community extend to others - oldtimers & newcomers alike. There are other times, however, when egos get the upper hand and civility goes out the window. My philosophy is that I won't say anything here that I would not say if you were standing in front of me. Welcome to Basenotes, each and every one of us. ~ TwoRoads
Cdg 2 man
Is the juice worth the squeeze?
Try Cristiano Fissore Cashmere for men. I didn't see the resemblance, but check the consumer reviews. Many of them compared it to GPH1. But I do really like Cashmere. Check it out:
Try DS2 Potion EdP
As mentioned CDGman2 is very close- and the nearest we'll get to it.
Comme des Garçons 2 Man
I haven't smelled Tumulte. Comme des Garçons 2 Man is the closest, though less wearable than the Gucci. Dirty English is woody but less dry and not as nice. Tommy Bahama is like a Gucci pour Homme Light. I like it quite a lot, especially the top notes and the drydown. Though I'll always want to have a bottle of GpH, I'm afraid I'll always be reaching for TB more often.
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Also, another big vote for Comme de Garcons2Man
"I love fragrances because they provide a sheer endless variety: there is a scent for every occasion, mood or feeling. Standing before my collection in the morning matching a perfume to my needs is one of the most enjoyable things in my day"...I don't want to miss that...
Current Top 15 Spring: | Dior Fahrenheit | L'Artisan Parf. Timbuktu | Dior Eau Sauvage Parfum | Tom Ford Grey Vetiver | T.Mugler A*Men Pure Wood | Cartier Must PH | Guerlain L'Instant | Narciso Rodriguez Him | Trussardi Inside | YSL Kouros | C.H. 212 on Ice Black | Versace Versus | Givenchy PH | Lancome Miracle L'Aquatonic | Azzaro PH |
Comme des Garçons 2 Man is really, really close. I own and wear both, and occasionally do side-by-side comparisons.
I have and am very fond of Carbone de Balmain, but do not find it to be all that similar to GpH—certainly nowhere near as close as CDG2 Man.
Last edited by itc_spy; 14th January 2013 at 02:59 PM.
Discover my Guest Reviewer Of The Day here
Just bought Carbone de Balmain, it's a very smoke/incense scent but not similar to GPH imo. the same for Dirty English
CommedesGarcons 2MAN and DS Potion are much more similar to GPH.
Very cheap, and similar to a GPH "light" version is Black Musk by Monotheme (it could be confused with GPH aftershave)
I still find the CdG 2Man comparison absurd, as they're not close (to me). I think some of you are either referencing scent from memory, or we just smell two entirely different things. I've personally owned/worn both frags for years, and they just don't smell alike whatsoever.
The Gucci frag has a pronounced smoky/woodsy-ness that CdG just doesn't have (to me).
The hunt for a Signature Fragrance is not an easy one! I see the light at the end of the tunnel! Edit: 2015... I've given up and given in
Want to buy or swap: A*men Ultra Zest, Bentley Intense, Mont Blanc Legend Intense, Paco Rabanne Invictus,
Gucci PH is a tricky one to replace, i have Dirty English, Tommy bahama and CDG and none of them hit the spot but the nearest i think would be Tommy bahama as it still has that real dry cedar feel. Im looking to try Carbone next!
I have both the EDP and EDT of Dsquared2 Potion and I don't find much similarity between any of them and Gucci Pour Homme.
2Man or Lorenzo Villoresi Uomo will get you the incense part of GPH but not the pine fire topnotes or the amber drydown. There are lots of great amber frags that would scratch that itch. A pine/incense frag like SL Fille en Aiguilles might be a more satisfying replacement if it's that part of the GPH that you most love.
Good luck!
'...And you'll carry me down on your dancing
To the pools that you lift on your wrist...'
Kerosene R'Oud Elements reminds me of Gucci PH 1 quite a bit.
"I am a robot and I like cheese"
Top 5:
1. Axe Kilo
2. Lectric Shave
3. Vicks Vapor Rub
4. Febreze Pour Homme
5. Preferred Stock
When Gucci Pour Homme was discontinued last year, I went on the hunt for similar scents and I've tried many of those listed here. In the end, I got lucky and found more Gph sitting at a Sephora and I snatched it up! The problem with "smells like" posts is that people tend to pick a note and ignore the rest. Anything with a pencil shavings note will supposedly smell JUST LIKE Gph. But it doesn't really work that way.
Tommy Bahama: Not. Even. Close. Tommy Bahama is light enough to wear in the summer. It's an emptied pencil sharpener compared to a Gph 16th century cathedral. As the scent progresses, the differences become even more stark. That being said, Tommy Bahama can be had for under $10 online, so it's not like it'll cost much to try it. I got mine for $7. I never wear it though.
Dirty English: It's no substitute for Gph, but unlike Tommy Bahama, I have respect for this one. It doesn't have the class of Gph and it certainly lacks the Gph drydown, but it isn't trying to be a Gph. It's more of an intentionally rough scent. More brooding, in a good way. I got mine for $20. I never wear it though.
Zirh Ikon: Totally different scent, but it's something a fan of scents like Gph might enjoy. It's spicy and has an incense-ish bigness to it, not to mention quite a handsome bottle. Love that bottle! I got mine for $10. I rarely wear it.
Dsquared: I've only tried Rocky Mountain Wood, but it's nothing like Gph. I haven't had the chance to sample Potion yet, but I'd love to. If one of their scents is going to come close, I have to think Potion is it.
CdG, 2 Man: Quite a different scent but absolutely worth sampling. It's more... uhm... festive? Playful? I don't own this one yet but I'd like to swap one of my bottles of my Gph for 2 Man. It's different enough from Gph that I think it's worth owning both. And since I own more Gph than I'll ever need, I'd like to own both. Variety is the spice of life. That, and cilantro perhaps. MMmmm... love salsa with cilantro!
CdG, Wonderwood: Nothing like Gph at all.
I am certainly no basher of mass appeal scents. I think it was brilliant for Gucci to create something like Guilty to reinvigorate the brand with younger customers (even though I personally can't stand the stuff). I also think Gph and GphII are more high end than the tastes of the customers Gucci is going after. Just my opinion, of course. And lucky for me, I own a lot of each!
Last edited by L'Homme Blanc Individuel; 15th January 2013 at 08:16 PM.
Anybody have a sample of Martin Margiela Untitled or Untitled L'Eau? I'm dying to smell these and I've got lots of great niche samples to swap!
"Follow your nose. It always knows." -- Toucan Sam
Comme de Garcons Man 2, Dsquared Potion, Juicy Coutoure Dirty English
Though the woody, pencil shaving notes are not as intense and do fade some in the drydown, I still find Tommy Bahama to have the same vibe as GPH1, and I enjoy it quite a bit. For what it's worth, I hated Dirty English and returned it. If its the dry woody/cedar aspect of GPH1 that you enjoy, then T. Bahama is much closer. (more wood and less incense, which is a plus for me).
This is a bit hard-to-find, but it's a good, light version- I told "light" - of GpH in all of its notes.
Just to clarify, GPH 1 and 2 are discontinued? I just ordered 1ml of each to test out yesterday!
Comme de Garcons 2Man
a niche version of it...and in my opinion a better version also!
"I am a robot and I like cheese"
Top 5:
1. Axe Kilo
2. Lectric Shave
3. Vicks Vapor Rub
4. Febreze Pour Homme
5. Preferred Stock


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