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In business-like fashion, the 16th-ranked Aggies improved to 13-1 with their 13th consecutive win and remained undefeated in the Big 12 Conference with a 4-0 record. Kansas fell to 9-9 and is still in search of its first conference match win as the Jayhawks fell to 0-6 in league matches.
"It is certainly beyond what was expected," first-year head coach Howard Joffe said about the team's streak and success thus far. "I just congratulated the girls, because it really is a good achievement. We are in a good spot."
A&M's Cristina Sanchez-Quintanar aced the very first serve to open the contest against the Jayhawks, setting the tone as the Aggies easily swept the doubles matches and took a 1-0 lead. Sheri Olivier and Lauren Santacroce were first off the court, jumping out to a 5-1 lead en rout to an 8-2 victory against Claire Dreyer and Victoria Khanevskaya at the No. 3 line.
Sanchez-Quintanar and Wen Sun never trailed in an 8-3 win against Monica Pezzotti and Dylan Windom at No. 1 to clinch the point. It was the 13th consecutive match A&M won the doubles point, as the Aggies have not dropped the point since the season-opening 4-3 loss to Ole Miss, which remains A&M's only team loss of the season.
Janelle Cuthbertson and Nazari Urbina completed the sweep and extended their team-best winning streak to 11 matches with an 8-4 victory against Paulina Los and Maria Belen Ludueña at the No. 2 line.
Sanchez-Quintanar, whose No. 13 national singles ranking is the highest among all Big 12 players, gave the Aggies a 2-0 lead, and she improved to 14-0 in dual matches with a 6-0, 6-2 victory over Pezzotti at the top of the lineup.
Windom put the Jayhawks within 2-1 with a 6-3, 6-0 victory against Santacroce at the No. 4 line, but it would be the only point Kansas would tally on the day.
Urbina extended her winning streak to 10 and gave the Aggies a 3-1 lead after handing Los a 6-0, 6-1 defeat at No. 2. Olivier then clinched A&M's winning point, topping Khanevskaya, 6-3, 6-2, at No. 6.
Cuthbertson and Sun both held on for 7-5 second-set wins to post straight-set victories and close out the match. Cuthbertson defeated Dreyer, 6-3, 7-5, at the No. 5 line, and Sun pulled out a 6-1, 7-5 victory against Ludueña at No. 3 after trailing the second set, 5-4. It was the ninth consecutive singles victory for Sun.
"There is no question we were a stronger team than Kansas, but Kansas fought really hard," Joffe said, "My fear a little bit was that we have had some injuries and have some kids who are a little bit warn down. I could certainly see that in their play, but in terms of the attitude and their approach, there was no fooling around. The kids are hungry and getting after it."
Up next for the Aggies is a match against seven-time reigning Big 12 regular-season champion Baylor on April 5 at the Hurd Tennis Center in Waco, Texas. First serve is slated for 6 p.m.
Baylor has won the last 12 meetings against the Aggies, who have not defeated the Bears since 2004.
"The match comes down to how we play on Thursday night in Waco and how well Baylor plays," Joffe said. "I fully expect it to be hotly contested by Baylor. They have dominated the league for the last five or 10 years, but as well as the Longhorns are playing this season and with Baylor already picking up one loss, if they lose to us, that would probably eliminate them from their umpteenth Big 12 title. So on that basis, I expect Baylor to dig in their heels and present some stout competition."
No. 16 Texas A&M 6, Kansas 1
April 1, 2012
George P. Mitchell Tennis Center
College Station, Texas
Attendance: 370
1. (#7) Cristina Sanchez-Quintanar (TAMU) def. Monica Pezzotti (KU), 6-0, 6-2
2. (#101) Nazari Urbina (TAMU) def. Paulina Los (KU), 6-0, 6-1
3. (#73) Wen Sun (TAMU) def. Maria Belen Ludueña (KU), 6-1, 7-5
4. Dylan Windom (KU) def. Lauren Santacroce (TAMU), 6-3, 6-0
5. Janelle
Cuthbertson (TAMU) def. Claire Dreyer (KU), 6-3, 7-5
6. Sheri Olivier (TAMU) def. Victoria Khanevskaya (KU), 6-3, 6-2
Doubles (A&M wins the point)
1. Sanchez-Quintanar/Sun (TAMU) def. Pezzotti/Windom (KU), 8-3
2. Cuthbertson/Urbina (TAMU) def. Los/Ludueña (KU), 8-4
3. Olivier/Santacroce (TAMU) def. Dreyer/Khanevskaya (KU), 8-2
Order of finish
Doubles: 3, 1, 2
Singles: 1, 4, 2, 6*, 5, 3
* - Clinched match
Team records
Texas A&M: 13-1, 4-0 Big 12
Kansas: 9-9, 0-6 Big 12


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7 years ago
Winter 2008.
winter 2008
vol. 96 no. 3
Candidates' Support
Erin Vogel Knows Her Orangutans • The Diplomat and Hugo Chávez
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Chief Election Commissioner V.S. Sampath said on Wednesday security was one of the major areas of concern for the Election Commission. The Commission had issued instructions to the Deputy Commissioners and the Superintendents of Police to intensify seizure of illegal unlicensed weapons and ensure deposition of all licensed weapons. He, however, said the election machinery was fully geared up in the State to ensure free and fair polls.
Addressing a press conference after the full Election Commission — comprising the CEC and Election Commissioners H.S. Brahma and Nasim Zaidi — met representatives of political parties and reviewed the preparedness for the Lok Sabha polls in a meeting with DCs, SPs, and senior officials, the CEC ruled out any change in Assam's poll schedule sought by some political parties on account of Ashokastami, which falls on April 7, and the Rongali Bihu festival which will begin on April 14. The three-phase Lok Sabha polls are scheduled for April 7, April 12 and April 24.
Mr. Sampath said some political parties wanted the Election Commission to fix a timeframe for the disposal of cases pending against "D" (doubtful/disputed) voters in Assam, as the issue had been pending for long. The only competent authorities on "D" voters were tribunals, and the Commission would recommend to the State government to facilitate the speedy disposal of cases.
Keywords: Election Commission, V.S. Sampath, Lok Sabha elections 2014, Assam election schedule, weapons seizure


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- Kim Kardashian Shows Off Pregnant Body in Nude Latex Dress, Talks North's Reaction to Her Pregnancy Us Weekly - 39 minutes ago
Kim Kardashian left little to the imagination when she wore a nude, latex dress to a launch party for Hype Energy Drinks -- see what she said … More »Kim Kardashian Shows Off Pregnant Body in Nude Latex Dress, Talks North's Reaction to Her Pregnancy
- Bethenny Frankel Sparks Trouble At Dorinda's Berkshires Home on The Real Housewives of New York City Us Weekly - 3 hours ago
- New England Patriots Player Rob Gronkowski Appearing on 'Family Feud' The Wrap - 3 hours ago
- Kellan Lutz Reveals How He Cracked His Head Open on Fox's 'Bullseye' The Wrap - 6 hours ago
"Check out what I did for my first #Bullseye stunt & BOOM! (At the :05 mark) got smacked in the head! But a few staples later, I was all good!" he posted on Instagram, along with a clip of his accident. After posting a photo of five staples sealing up the bloody wound, Lutz went on "Conan" Tuesday night and spilled the …
- Cannes' Christian Jeune to Head Adelaide Film Festival Jury The Hollywood Reporter - 6 hours ago
The director of film department at Cannes will be part of a four person jury choosing the best international film at the biennial Aussie fest.
- Jon Stewart Mocks Focus on Caitlyn Jenner's Body: Her Looks Are "Only Thing We Care About" The Hollywood Reporter - 6 hours ago
"Welcome to being a woman in America," the 'Daily Show' host said.
- Cameron Crowe Apologizes for Emma Stone's Asian Character in 'Aloha' The Hollywood Reporter - 6 hours ago
The director acknowledged that audiences are "hungry for stories with more racial diversity."
- 'Game of Thrones' Season 6 to Film in Spain The Hollywood Reporter - 6 hours ago
The country doubled for Dorne in season five.
- Kardashian Matriarch Kris Jenner to Caitlyn Jenner: 'Why Would You Want to Be Married and Have Kids?' The Wrap - 7 hours ago
Caitlyn Jenner broke Twitter records Monday with her glamorous cover shoot for Vanity Fair, but ex-wife Kris Jenner is not as impressed as the rest of the world with the way she has handled her very public transition. In excerpts from the groundbreaking interview with the magazine, Kris Jenner asked: "Why would you want …
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God I want to move back to that area. Love the FoCo - Denver area
God I want to move back to that area. Love the FoCo - Denver area
Strictly Pleasure
It's heaven compared to where I used to live (Iowa) the way I see it. Wish I could afford to live around the Denver downtown district.
Drop it like it's hott.
fenderless ftw
Strictly Pleasure
euro scrap yard on santa fe and 470 usually have multiple b5s at a time.
Drop it like it's hott.
Strictly Pleasure
^^ Do this. I would love an avant with this interior.
i picked up a rad support, hood and A/C condenser for 335 from the classified here.
fixed my avant from this
to this
- Ben
93 Corrado VR6
99 A4 Avant 1.8T Quattro
[QUOTE=memo!;75404185]Found a replacement for you:
Oh my, I could live with the 2.8 and prefacelift stuff for that interior. I love the terracotta interior oh so much. That cars cluster has been swapped and the rear bumper was reprayed pretty poorly however.
Drop it like it's hott.
FYI prefacelift cars came with LCD clusters too. Notice the clock.
RS2'd urS4
parting out a 1999 avant
another part out
100 bucks for hood and grille
green bumpers 100 cant think of another green besides cactus (jaspis (spelling?) is uncommon)
[QUOTE=SomeDayS4;75420152]parting out a 1999 avant
If it's the same guy I contacted and met up with, it's actually a 98' volcano 2.8. Super sketchy, commerce city next to the sheriff impound yard. Guy had no idea..probably not his car
I wish all the morons that put crappy angel eyes in their cars would sell me a pair of oem 1 piece headlights on the cheap.
Drop it like it's hott.
Drop it like it's hott.
Strictly Pleasure
All I have left is a hood and we're back in business.
My serpentine tensioner just **** the bed. Saying it sounds horrid is an understatement. Is there a certain way to install them? My last one went bad after my timing belt job..and now this one is dead with under 30k miles on it which leads me to think I'm messing something up.
Drop it like it's hott.
I'm sure someone will dig it.
Currently in the process of prepping the front end of my car for a respray
Drop it like it's hott.
That vid is rad man.
I need more ambition to start riding again.
germansdoitbetter.comWhat was this!? A car show for ants!? Those cars need to be a least...3 times that big!
Nice video. I miss riding, even though I sucked lol. I sold my custom FBM Autopilot 2yrs ago, picked up a Fit Tech 2.5 last year and never touched it.
1998.5 A4 1.8TQM / FrankenTurbo F4H-L / C2 Motorsports Tuning / 440cc Injectors / C2 Billet 3" MAF Housing / Cat Delete / Vibrant Muffler
a8 sewercaps
20mm spacer in front
25mm spacer in rear
205/35, 205/40, or 205/45?
Drop it like it's hott.
205/45-18 doesn't exist.
RS2'd urS4
Been a long day..I must have been looking at 17s..
I have a funny feeling I'm going to regret not picking something up wider than 8.
Drop it like it's hott.
I think the pirate runs 205/40 on his wheels with a similar spacer setup.
RS2'd urS4
really diggin the video built a bike just never could get good at it
oh herro.
Pretty sure chris has 205/40 with a 25mm spacer in the rear. Not sure if he has a 15 or 20 upfront now though.
My smashed up wagen is on the slow rebound. Hoping for paint in the next 2 weeks. I have a lot of other little side projects going on as well. Feels good to fix things that you've neglected for too long.
Currently the quarter panel and core support won't line up on the corner that got hit. It's about an 1/8 inch off and I can't get the last 2 torx bolts in on the top next to the headlight. Hard to describe. I need to bend it back a little bit and it should be fine..
Drop it like it's hott.
Gear let slip of your newest parts
Strictly Pleasure
I know haha. He's a really good dude.
Drop it like it's hott.
Coopa's a good buyer
I'm sure someone will dig it.
Cooper - This video is wicked and great choice of song with TDCC


text:
Press release from Business Wire
ACE Limited to Hold Its Second Quarter Earnings Conference Call on Wednesday, July 25, 2012
Tuesday, June 26, 2012
ACE Limited to Hold Its Second Quarter Earnings Conference Call on Wednesday, July 25, 201209:24 EDT Tuesday, June 26, 2012 ZURICH (Business Wire) -- ACE Limited (NYSE: ACE) will hold its second quarter earnings conference call on Wednesday, July 25, 2012, beginning at 8:30 a.m. Eastern. The company expects to issue its second quarter earnings release and financial supplement after the market closes on Tuesday, July 24, 2012. These documents will be available in the Investor Information section of the company's website located at www.acegroup.com. The earnings conference call will be available via live webcast at www.acegroup.com or by dialing 888-516-2435 (within the United States) or 719-325-2339 (international), passcode 3462560. Please refer to the ACE Group website in the Investor Information section under Calendar of Events for details. A replay of the call will be available until Wednesday, August 8, 2012 and the archived webcast will be available for approximately one month. To listen to the replay, please dial 888-203-1112 (in the United States) or 719-457-0820 (international), passcode 3462560. The ACE Group is one of the world's largest multiline property and casualty insurers. With operations in 53 countries, ACE provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. ACE Limited, the parent company of the ACE Group, is listed on the New York Stock Exchange (NYSE: ACE) and is a component of the S&P 500 index. Additional information can be found at: www.acegroup.com. ACE LimitedInvestor Contact:Helen M. Wilson, email@example.com Contact:Stephen M. Wasdick, email@example.com


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Villa with private pool and sea views at hub of the village; less than five minutes walk from beach. Quite location ideal to relax.
Villa with private pool and sea views at hub of the village; less than five minutes walk from beach. Quite location ideal to relax.
Wood Lovers is a two separate wood sustainable design holiday villas, sharing the same plot of beaut... Read more
Home with plenty of privacy, peace and quiet overlooking the Atlantic Ocean.
Internet; TV. Barbecue. Access to the beach. Access to the mountain. We provide bedding and bathroom... Read more
Our home was built and designed for all kind of customers; those passionate about nature, for landscapes or hiking and water sports.
Having an area of approximately 45m2, this house also has a terrace 15 m2. If you are a lover of lan... Read more
This quiet but central location offers you easy access to all Madeira best places.
In the house are available: A spacious bedroom with large closet and slightly smaller bedrooms, each... Read more
The apartment is located on the edge of our small vineyard. You live here quiet and close to nature. Relaxation guaranteed. Away from tourism.
About 50 km from the airport located west in Calheta, is the apartment in approximately 350 m height... Read more
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Can IPPs give you more room than RRSPs?
My latest MoneySense blog compares the tax-sheltered contribution room available for RRSPs and Individual Pension Plans or IPPs.
For archival purposes and continuity, I reproduce the text below.
A few weeks ago, we looked at the topic of raising RRSP limits. As noted then, it was based on a C.D. Howe Institute report that suggested one possible solution to the alleged retirement crisis was simply to go back to the half-century-plus RRSP and raise contribution limits for the (relatively) few affluent people who are forced to save in taxable accounts because they've maxed out on RRSP room.
If you're at top executive or own your own business and are 40 years of age or older, there may be another way to get the benefits of RRSPs. The Individual Pension Plan or IPP is an employer-provided program that replaces RRSP savings by an employee, says Stephen Cheng, managing director of Vancouver-based Westcoast Actuaries Inc. To be eligible for an IPP, you need to receive pension-eligible T-4 employment income. Self-employment income, partnership income and dividend income are not pension-eligible, Cheng says. So if you own your own business, you'd have to pay yourself a regular salary that generates T-4 employment income.
IPP assets are creditor-proof
One advantage is that all eligible employer contributions are tax-deductible for corporation tax purposes, but won't be taxable to the employee until the plan starts to generate pension income. Also, if the IPP is in deficit after the three-year actuarial valuation, the employer can top it up with further contributions. In addition, IPP assets are creditor-proof: always a plus for the self-employed; and as with traditional Registered Pension Plans, pension income can be split up to 50% with one's spouse, for income tax purposes (pension splitting).
Advantage rises with age
The older you are, the more the relative room can be held in an IPP relative to an RRSP. For those in the top tax bracket, the maximum RRSP contribution is currently $24,270, an amount that does not vary by age. However, IPP room gets larger the closer you are to retirement. Maximum IPP contribution room at age 40 is $26,097, rising to $31,488 by age 50, $38,005 at 60 and a whopping $41,282 at age 65. In the latter case, the IPP has a contribution room advantage over the RRSP of a massive $17,012 a year!
Employers can make past service contributions to a new IPP in 2014, Cheng says, providing the employee received pension-eligible T-4 type employment income over the years being calculated. The employee must transfer an amount from his or her personal RRSP into the IPP (since 1997 the maximum transfer amount required for each service year has been $24,330, with lesser amounts between 1991 and 1996). For all years between 1991 and 2013, the combined maximum that can be transferred into an IPP from an RRSP comes to $510,470: just over half a million dollars! If the IPP is set up in 2014, the RRSP deduction limit will be reduced to $600 each year, starting in 2015.
The calculations are not simple but you can find a free customized IPP quote online here.
Boosting RRSP limits: two views
As I noted Thursday in this blog and elsewhere, I've always believed Canadians should have higher RRSP contribution limits and/or the equivalent space in registered pension plans.
It seems the C.D. Howe Institute agrees, based on this paper released Thursday, and which has already created a fair bit of publicity. I've received some email on this site (via firstname.lastname@example.com) to the effect that "only the rich" benefit from more RRSP room and that, in any case, low-income earners are better off with TFSAs.
I'll quote from some of the skeptics below, but first let me reiterate the point that Ottawa will eventually get any tax revenue it may lose by raising RRSP limits now. As any retiree with a substantial RRIF knows, forced annual RRIF withdrawals will be fully taxable and may even result in the clawback of OAS or other benefits. That's why some question my statement that higher-income earners should welcome more RRSP room.
Two pluses, one minus
I know those with big RRSPs will eventually pay the piper but remember two things. One, several years or decades of deferred and compounded growth on investments is worth a lot. Second, most of us can expect to be in a lower tax bracket in retirement than when we were working. If you can defer tax while you're in a 46% tax bracket and pay it many years later when you have no other income and are in a 23% tax bracket, that to me is a fair trade.
A 72-year old reader with the first name James makes the following counterpoints:
… when the other shoe drops and you are withdrawing money, here are the nasty realities:
1. You may be paying higher tax rates than when you put it in! This is true in my case and you do not have to have amassed a huge fortune for that to occur.
2. The whole nasty business of clawback, which has huge potential marginal tax rates.
3. The fact that the government controls the rate at which you reacquire your own money – regardless of your needs and limitations.
Any reform of RRSPs therefore should not only deal with maximum deposit limits but should remove any restriction on the amount and the timing of withdrawals. If I want to leave it in there until I die I should be able to and it can then by taxed in my estate (as a lump sum, which the government would love!) or passed on to one more generation – the spouse.
In the absence of hard numbers on this situation, I tried very hard to come up with my own scenarios using a sophisticated hand-held financial computer, and concluded it was better to collapse my entire RRSP before my 72nd birthday, but I may be on shaky ground without stronger financial planning tools than I had access to.
What if we didn't tax CPP and OAS benefits?
Another reader, James from British Columbia, makes a suggestion that has occurred to me in the past. Instead of introducing an expanded CPP that will antagonize employers by in effect hiking their payroll costs, why not just make CPP and OAS income go further in old age by not taxing the income?
There could be a means test to apply some tax rate for high income earners, as there is now on OAS, but people who earn under $75,000 per year, for example, would pay no taxes on CPP and OAS benefits.
That simple, stroke-of-the-pen policy change by Ottawa would boost retirees incomes by at least 15% on those sources and not cost a single job. Nor would it require any provincial consensus.
It would cost Ottawa tax revenue, so of course it's a nonstarter, but it's not difficult to eliminate the job-killer argument if the federal government really has the will to help low-income retirees.
The case for boosting RRSP limits
My take on a C.D. Howe brief issued Thursday on the case for raising RRSP contribution limits can be found in my Financial Post column today here. Also note the many comments that follow the piece, some reflective of the emails I will highlight in Friday's blog. You can find the full e-brief here.
And in case it's not clear in the column, I absolutely think this is a good idea: always have. It's true those with lower incomes may not need RRSPs. TFSAs may be a better solution for them, especially if they want to avoid clawbacks of OAS or GIS in old age. But the vast majority in the middle class who lack employer pension plans (especially the lucrative DB plans) could benefit from higher limits. If, as is likely, they will retire in a lower tax bracket than they were in their high-earning years, then an RRSP is almost a necessity. And as I point out in the piece, since only a minority of Canadians are in a position to max out their RRSPs, it shouldn't cost Ottawa all that much because of more upfront tax deductions. And unlike the TFSA, which will reap no bonanza for federal coffers on withdrawals, RRIF income will eventually bring in lots of tax revenue for the government once we retire.
Seems like a win-win to me. Stay tuned for more reader feedback tomorrow.
Why is CPP betting on the "crock" that is active management?
There's a must-read on the front page of Thursday's National Post by Andrew Coyne that you can find here. The piece highlights a new Fraser Institute study about the increasingly bloated costs of investments run by the Canada Pension Plan Investment Board (CPPIB). While Coyne is primarily a political writer and this piece is in part a political one, Coyne has always been a shrewd observer of the investing scene. Over the years, he's occasionally weighed in on the relative merits of low-cost "passive" index-based investing and higher-cost "actively managed" investing epitomized by retail mutual funds, wrap accounts and (in the case of CPP), actively managed pension mandates.
Coyne doesn't pull his punches. Near the end of the piece he writes:
It is simply a reflection of what is by now also widely recognized, among those without a vested interest in denying it. Active management is a crock. To consistently beat the market within a given asset class, a fund manager must be consistently smart and well-informed, he must be consistently smarter and better-informed than all the other smart and well-informed managers out there, all of whom are trying to do the same. That's vanishingly unlikely.
CPP is playing the Loser's Game
Clearly, Coyne is well aware of the arguments of major financial writers like John Bogle, Larry Swedroe, Mark Hebner, Dan Solin and many more. In particular, Charles Ellis's Winning the Loser's Game. (Click on the highlights for other representative books written by those authors. There also others by Canadians like Mark Noble, Howard Atkinson, Keith Matthews, Ted Cadsby and no doubt a few others I've neglected to mention.)
So, despite the overwhelming academic evidence that active management is — to use Coyne's delightfully derogatory term — a "crock," why then is the Canada Pension Plan Investment Board (CPPIB) taking a flyer on Canadians' collective retirement funds? It's about money alright, but not so much about our retirement money than the compensation sought by CPPIB senior managers.
CPPIB salaries depend on willful ignorance
As Coyne points out, compensation for CPP senior managers has leapt from $1.56 million in 2007 to $3.3 million in 2014. Despite this, he adds, this "extraordinary executive bounty" has "hardly" been associated with a comparable increase in the fund. This seems to demonstrate the wisdom of the old saying attributed to Upton Sinclair that "It is difficult to get a man to understand something, when his salary depends on his not understanding it."
Kudos to Andrew Coyne for putting the spotlight on this issue so central to the future retirement health of average Canadians. And it's not just about CPP. When the federal government's Pooled Registered Pension Plans (PRPPs) were announced, I commented at the time that they should be primarily invested in passively managed ETFs from firms like Vanguard Canada, which had just arrived on our shores, or the low-cost "core" portfolios of BlackRock Canada's iShares family of ETFs.
PRPPs also headed for the Loser's Game
But the actively managed investment industry whose collective salaries depend on not "getting" indexing have mounted a formidable campaign to get a piece of the action of PRPPs, to the point I'm not optimistic we'll see much takeup from the thousands of smaller employers that currently offer no pension plan at all to their workers.
The labour movement can talk all it wants to about the alternative of a "Big" CPP, but if it entails the kind of active management that Coyne describes, it's hard to advocate allowing the CPPIB to play the "loser's game" with even more of our money.
The upside of aging
The MoneySense version of this blog can be found here. For "one-stop shopping" purposes, I include the copy below as well:
To the eternally young, a phrase like "The Upside of Aging" may seem to be the ultimate oxymoron. Those of us who see more of our life path in the rearview mirror than up ahead may question such a phrase. It happens to be the title of a book I've just started to read, yet another recommended by Mark Venning on his longevity site at www.changerangers.com.
The book, by Milken Institute president Paul Irving, examines how long lifetimes are changing the world of health, work, innovation, policy and purpose. The Milken Institute has focused on aging for several years and takes the long view that human ingenuity should never be underestimated.
Some may reach 150
In the foreword, Milken Institute chairman Michael Milken passes along the opinion by the late Nobel laureate Robert Fogel (of the University of Chicago) that "average life spans in the developed world will easily exceed 100 within the current century." He expects some to reach 150. Another expert cited by Milken noted that "in terms of health, a 60-year-old woman is equivalent to a 40-year-old in 1960. Today's 80-year-old American man is similar to a 60-year-old as recently as 1975."
Your money may have to last a long time
And as Venning notes in the fourth installment of his blog devoted to the book (here,) there's also a huge impact for those likely to land on the MoneySense.ca website and this Financial Independence blog. Venning observes that one of the major obsessions in the aging game is financial security. Despite the huge advantage we in the west have in enjoying access to various financial planning vehicles and advisers, "a vast majority of people have not planned well or saved aside enough for their later years." It's clear to me that the combination of long life, financial independence and robust health must constitute a gift; but what if long life coincides with poor health and/or insufficient wealth? Might not the blessing of long life then become a curse?
One of the multiple sources in the book is American financial planner Dan Houston of the Principal Financial Group. He sees financial security not just as involving saving for retirement, but also encompassing "comprehensive financial planning for competing demands … at different stages of life."
Longevity changes everything
Houston says longevity changes everything and it's hard to disagree. Since I tend to look at the topic through the lens of financial independence, it's clear to me that if nest eggs have to last longer than we and our advisers think, portfolios had better consider inflation. Inflation has always been a curse for those living on a fixed income or non-indexed pensions. The combination of minuscule interest rates and a long life seems to me an unpleasant combination. Stocks that raise their dividends regularly stand a greater chance of generating an inflation-beating source of income. Putting some of your fixed-income allocation into annuities also seems to prudent, particularly if the pricing of annuities by insurance companies doesn't fully reflect extensions in longevity.
Most of all, however, it seems to me that taking retirement too early in life may be a losing strategy in more ways than one. Putting aside the human need to connect with other people, to have structure and routine and to keep the little grey cells stimulated, purely at a financial level, it's a lot to expect portfolios designed to last 20 years to support 30 or 40 years of "retirement." Rather than attempting to retire earlier than the traditional age of 65, it may be more prudent to push it back closer to 70, at least on a part-time basis. Better yet, consider taking the baseline financial independence provided by modest savings and pensions, and launching into an entire second career that can revitalize you AND provide extra income well into what we used to call our golden years. Irving refers to an "encore career," which he himself embarked upon and which your humble blogger is attempting to chronicle in this blog.
There are, to be sure, economic and investment implications to all this. For a taste, let me quote from Milken's foreword:
"The economic benefits far outweigh the challenges that come with an aging society. The extension of life, and the extension of healthy life, are positive developments to be celebrated, not feared. Their impact will be an economic boon, not a drag."
The 7 eternal chestnuts of personal finance
Here is my latest MoneySense blog, covering the 7 big "eternal" chestnuts of personal finance.
For continuity purposes, I also reproduce it below:
One of the world's best personal finance writers – Jason Zweig of the Wall Street Journal – has said there are only a handful of real personal finance columns to write. The trick, he said (and I'm paraphrasing from memory), was in being able to "reissue" these columns in a way that the public (or editors) don't notice. Of course, you could go further and say that the news business in general revolves around a few fairly standard memes: if it bleeds, it leads.
In personal finance, however, we're not in the business of covering disasters and personal tragedies, unless of course the market does a repeat of what it did in 2008. It's a sad fact that, as investors in Bernie Madoff's ponzi scheme found to their regret, that when the market tanks we discover who was swimming naked.
The June issue of MoneySense contained 42 items billed as being the "Best Tips Ever." That issue was a "keeper" and not just because it was the last one with which I was intimately involved. I'm not going to reprise the tips here but instead have come up with a list of seven "personal finance chestnuts" that I hope may be useful to readers and perhaps other PF journalists.
Chestnut #1: Live below your means
This is the granddaddy chestnut of personal finance. If you keep spending your fool head off, you'll forever be on a treadmill to oblivion. The only way to become financially independent is to consistently spend less than you earn, year in and year out, decade in and decade out. The difference between what you (and your spouse) earn becomes your capital and it must be invested wisely.
Chestnut #2: Pay yourself first
This is closely related to living below your means. The surplus between a higher income and a lower level of spending needs to be directed to savings and investments. Just like your employer takes your income tax off your paycheque before you even see it, you should set up a pre-authorized chequing (PAC) arrangement with your financial institution ("automatic draft" in the U.S.), so another chunk of your paycheque is siphoned right off the top to savings and investments. Yes, you may feel a bit "broke" after the double whammy of paying tribute to the taxman as well as paying yourself first, but as the years go by and your wealth steadily mounts, you'll be glad you roasted this particular chestnut.
Chestnut # 3: Get out of debt
Starting with non-tax-deductible consumer debt (aka credit cards), then student loans, and finally any lines of credit and ultimately your mortgage. (see Chestnut #4). No investment pays off as well as eliminating high-interest debt and it's more tax efficient to boot.
Chestnut #4: Buy a home and pay off the mortgage as soon as possible
I'll keep saying it: the foundation of financial independence is a paid-for home. If you rent, you're still paying a mortgage: your landlord's! In that case, your rent will never stop and will keep getting hiked as inflation rises. When you own your own home and the mortgage is gone, you get to live rent-free and you won't worry about your rent going ever higher in old age. Plus you don't have to pay capital gains taxes on the sale of your principal residence. (See #7 below). But do accrue for property taxes, maintenance and (for condo owners) maintenance fees.
Chestnut #5: Be an owner, not a loaner
This means owning stocks (or equity mutual funds or ETFs), instead of interest-bearing vehicles like cash or bonds. You'll never get rich loaning money out, which is what you do when you buy a GIC (or CD in the US) from a bank. If you want to grow your capital and keep up with inflation, you need to own stocks. Better yet, dividends are taxed less than interest and capital gains taxes can be deferred as long as you don't crystallize profits. You will want some cash or bonds in an emergency fund and as a prudent part of your portfolio once you're near retirement age.
Chestnut #6: If your employer offers you free money, take it.
Duh! This means you should join the company pension plan, especially if they "match" whatever you put in. And if they give you a discount on the company stock, take them up on that offer too. You wouldn't say no to a bonus or a raise, would you? Then why wouldn't you grab the rest of the freebies when they're on offer?
Chestnut #7: If the government offers you free money, take that too!
This is along the same lines, except of course the government seldom really gives you money, unless you're among society's most disadvantaged. For we more affluent folk, there's no escaping taxes (or death) but you CAN minimize the outflow to the taxman's grasping hands by taking advantage of whatever few tax breaks he permits. No capital gains on a principal residence is a huge tax break. Apart from that, this means maxing out your RRSP (or your IRA in the U.S.) And don't forget the Tax-Free Savings Account (TFSA) (or the Roth in the US), which is the mirror image. In the former, you get a tax deduction upfront on contributions; for the latter, you get no upfront deduction but never have to pay tax on investment income generated, even when you withdraw it in retirement. Not quite free money, since you were taxed upfront on the income needed to generate the capital, but almost!
Podcast about Findependence Day with SPP's Sheryl Smolkin
Thanks to Sheryl Smolkin of Moneyville and the Saskatchewan Pension Plan for the following 10-minute audio podcast about Findependence Day. Among the many insightful questions Sheryl asked was whether the "Didi Quinlan" character was modelled after Gail Vaz-Oxlade, Suze Orman or other financial reality TV shows. She also probes about the origins of the Vinyl Museum and other aspects of the novel drawn from real life.
You can access the podcast by clicking here. Note that to get to the actual audio you need to click the blue segment entitled Jonathan Chevreau Podcast. Those who prefer to simply read an abbreviated (but not verbatim) transcript can just keep reading the text that follow's Sheryl's link.


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Yakima Stick Up Bike Rack
This lightweight, tray-style hitch mount has good looks, easy loading and a price that'll make you feel like you got away with highway robbery. Each tray is independently adjustable so you can carry bikes of any height or length. A spring-loaded pin lets it fold down for rear of car access. Plus, it folds up and into itself when not in use.
FEATURES of the Yakima Stick Up Bike Rack
- Each tray is independently adjustable so this hitch carrier can transport bikes of varying heights and styles
- Carries up to 2 bikes (which would explain why we call it a "2 bike hitch carrier")
- Folds up and out of the way when not in use
- Compatible with 2" and 11/4" hitch receivers right out of the box
- Best-in-class wheel straps
SPECIFICATIONS of the Yakima Stick Up Bike Rack
- Weight: 42 lbs
- Dimension: 54" wide, 37" Extension from hitch bolt hole (16" when folded)
- Approximately 13" between hitch bolt hole and first bike tray (6" when folded)
- Capacity: 2 bikes, 45 lbs per bike
OVERSIZE ITEM: We cannot ship this product by any expedited shipping method (3-Day, 2-Day or Next Day). Even if you pick that option, it will still go Ground Shipping. Sorry for being so mean.
This product can only be shipped within the United States. Please don't hate us.
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This is my first bike rack and I must say I am thoroughly pleased. First, Moosejaw shipped it to me so fast that my head is still spinning, and for free I might add. Second, this rack is almost right out of the box assembled. Following the instructions, I was ready to install this puppy on my car in 30 minutes (or less). The rack comes ready to fit a 2" hitch with a preassembled 2" adaptor. This can easily be removed with the provided allen wrench to convert it to a 1" hitch. Yakima was nice enough to include all of the tools you will need to finish assembly and install on your vehicle. I did , however, need one additional allen wrench size that was not included.Once on my SUV (make sure you tighten it all the way) everything worked as expected. A couple quick adjustments to fit my bikes and I was on the road to my favorite trail.Easy to assemble and use. Works excellently down and folded up. Awesome choice!
I could not be happier with this rack. I built it in about 20 minutes. It takes about 3 minutes to put it on my truck and about another 2 minutes to put 2 bikes on it. I can't imagine anything faster. The bikes stay very secure and there is no squeaking or other noises while driving. I bought the Yakima hitch lock. It's kinda cheesy looking and looks as though it's main purpose is to keep the honest people honest. You will have to use some sort of cable lock to lock the bikes to the rack. I would buy this rack again without hesitation.
It came in a giant, heavy box that Moosejaw shipped for free. How do they make a profit on this thing?It was VERY simple to assemble. No more than 15 minutes....and I am not much of a "do-it-yourselfer".It fits on the 2" hitch on my Toyota Tacoma very easily. You can mount this rack on your truck and put your bikes on in just under 5 minutes. Maybe less if you hurry. I can't imagine a quicker mounting system for bikes. The rack bounces a bit when driving but is very solid and makes no noise. I can now take my bike without filling up the bed of the truck when camping! I love it.
Good rack overall, does not fit 1 1/4 class 1 receiver hitch without modification to either hitch or rack. Also, rack does not accept standard 1/2 hitch pins or standard 1/2 inch locking hitch pins. To lock this rack to your hitch you will need to modify rack drill out and overbore rack hitch pin threads or purchase a locking pin from Yakima. This rack requires a lot of tweaking to get it to work with a class 1 hitch, but would be a painless set up for a class 2 or class 3 hitch. The locking hitch pin issue would be the same for what ever class hitch however.


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While their cost continues to climb, health care benefits are critical for small business owners who want to stay healthy and competitive. Before you go without, consider your options, because a good plan is more affordable than you think.
By Matt Alderton
Nate Simmons didn't always provide health insurance for his employees. He found out the hard way, however, that he should. A partner at Backbone Media, a small PR agency based in Carbondale, Colo., he used to offer his 10 employees a "wellness stipend" that they could use to fund a gym membership or pay premiums on their own health insurance.
"But when one of our employees crashed on her mountain bike and required $10,000 in medical services, we were shocked to discover that a few of our employees, including the one who crashed, had pre-existing conditions that made [obtaining] independent health insurance difficult or impossible," Simmons says. "It was at that point that we decided we needed to offer a group plan."
So that's what he did. He now offers his staff $200 each month toward participation in a group plan. The costs, however, are absurd, he notes — and every year they inflate further. "Health insurance companies seem to raise the prices by double digit percentages every year," Simmons says. "Our last plan increased 15 percent in one year and 25 percent the year after."
Health insurance isn't cheap, but it's important to have, according to Kristie Darien, executive director of the National Association for the Self-Employed (NASE) in Washington, D.C. "Many small businesses are like a family," she says. "When you have a small office, you tend to get to know each other very well. You have a personal stake in [your employees] and you want to provide for them the best that you can."
Offering health benefits also helps to attract and retain top talent. Luckily, there are affordable options — if you look for them. All it takes is a little bit of patience, a lot of research and a willingness to think outside of the traditional benefits box.
The Big Picture
There are nearly 20 million micro-businesses — businesses with fewer than 10 employees — in the United States, according to NASE, and every year, fewer of them can afford health care. "It's not a pretty picture," Darien says.
A 2005 survey of America's smallest businesses by NASE pointed out that while a business generating more than $500,000 per year spends just 2.3 percent of its gross revenues on health care coverage, a sole proprietor making less than $50,000 per year spends 18.7 percent of his or her gross revenues. More than half of respondents to the same survey said they did not currently offer — and did not plan to offer — health benefits for themselves or their employees. The No. 1 reason? Cost.
"We have no negotiating power as a small business," Simmons says, "so we pretty much have to take whatever is offered."
Something for Everyone
What's offered these days, however, is more diverse than most people realize, according to Sam Gibbs, senior vice president and general manager of Mountain View, Calif.-based eHealthInsurance.
"Don't get discouraged," he says. "If you look hard enough, you can find a plan that's just right for you and your employees."
Here's a quick look at your best options:
Indemnity Plans:
Also known as fee for service plans (FFSs), they allow employees to see whatever doctor they wish; the insurance company will cover a certain percentage of medical expenses once an initial deductible is paid.
Managed Care:
They use "networks" of physicians and include Health Maintenance Organizations (HMOs), which typically have lower out-of-pocket costs but less flexibility; Preferred Provider Organizations (PPOs), whereby you pay a flat co-pay to see network physicians; and Point of Service (POS) plans, which are similar to HMOs but cover more preventive care services.
Consumer-Directed Plans:
They are relatively new and involve special employer- and employee-funded savings accounts, which double as retirement savings accounts. Withdrawals can be made tax-free in order to pay for approved medical expenses. They're often coupled with lower-cost high-deductible health plans (HDHPs) to help employees pay medical expenses until their annual deductible is paid, at which point their insurance kicks in.
You pay employees' insurance claims directly, but a third-party company handles all of your administrative paperwork. A stop-loss insurance policy protects you from overpaying, so that once you've paid a set amount of employee health costs, insurance pays the rest.
Catastrophic Insurance:
It's ideal for self-employed entrepreneurs who only need insurance in case of an emergency. It has high deductibles and low monthly payments and covers only major expenses, such as hospital stays, but not routine doctor visits.
Cut Costs, Not Coverage
No one type of plan is guaranteed to be cheaper than another. Consider these cost-cutting strategies, though, to maximize your savings across the board:
Get Group Power:
Many small business owners have to apply for health insurance as individuals, which is more expensive. If you can, pursue group coverage instead. Group coverage can often be purchased at discounted rates in unusual places, including trade associations, wholesale clubs, unions and churches, as well as coalitions of independent business owners known as local purchasing alliances.
Get Tax Breaks:
If you're healthy, consider a consumer-directed plan in order to take advantage of the tax breaks associated with it. Health Reimbursement Arrangements (HRAs) are tax-deductible for the self-employed while Health Savings Accounts (HSAs) allow you to set aside pre-tax dollars for medical care.
Educate Yourself:
Ask family and friends for referrals. Talk to experts. Read all there is to read online. And once you have a plan, study its rules so that unexpected fees don't burn you.
Stay Fit:
Save money on out-of-pocket health costs by exercising and eating right. Your premiums will stay lower if you stay healthier.


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News Archive
August 2, 2006
Faculty members at the U. of Texas Medical Branch who were slated for salary cuts may be getting some relief.
August 2, 2006
Science and engineering students appreciate their degrees even decades later.
August 2, 2006
Appeals court ruling revives debate over unions at private colleges -- and sets off new debate over whom the decision favored.
August 1, 2006
At Young America's Foundation conference, college students trumpet conservative ideas and take aim at "liberal hostility."
August 1, 2006
Researchers say a new institute created by a foundation with a spiritual mission will fund legitimate work.
August 1, 2006
August 1, 2006
A junior at Oklahoma State University died in a fire in an off-campus house Sunday. The student, Kenneth Ray Egan, 21, did not live in the house, but was "a close friend of the residents and a frequent guest," the Stillwater Police Department said in a news release. Police officials said that they arrived at the house early Sunday morning to find Egan unconscious on a living room couch, and that their attempts to resuscitate him failed. The two residents of the house escaped and, according to the police department, did not know Egan was in the house.The U.S.
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The Atlantic Aviators Chapter of Women in Aviation, International would like to encourage women and men in the Southeastern Massachusetts area to develop careers in aviation, science, technology, engineering, and/or mathematics. To provide resources for this, the chapter is offering two (2) scholarships valued at $1,000 each to any deserving high school seniors, college freshman or sophomores who have demonstrated an aptitude for and have interest in pursuing, or are currently pursuing an aviation or technology related degree at an accredited college or university, flight training, type ratings or other aviation-related studies.
May 22, 2015
Suada Kolovic
May 19, 2015
May 15, 2015
Copyright © 1998 - 2015 Scholarships.com, LLC
Scholarships.comTM All Rights Reserved
Scholarships.com, LLC, Publisher


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EcoSecurities and Greener World Media Partner to Make the Greener by Design Conference Carbon Neutral
business of sourcing, developing and trading carbon offsets from greenhouse
gas abatement projects, is partnering with Greener World Media and The Global
Executive to neutralize the emissions resulting from their forthcoming
Greener by Design 2009 conference.
This year's Greener by Design conference is aptly titled 'Greener
Products for Leaner Times'. Green innovation isn't about creating premium
products for upscale audiences, it's about cutting costs, improving
efficiency, improving quality, reducing risk and retaining customers. Keynote
speakers include;
- William McDonough - the renowned designer and creator of the Cradle-to-Cradle product certification system - David de Rothschild - the banking heir who plans to sail from San Francisco to Sydney in a 60-foot vessel constructed entirely of recycled materials - Peter Arnell - the acclaimed designer and brand architect whose newest creation, the Peapod automobile, recently went on sale by Chrysler
In addition other featured speakers include representatives from well
known brands such as Microsoft Corp, Wal-Mart, Hewlett Packard and Steelcase
Inc. The innovative conference also features hands-on sessions, such as the
experiential "Innovation Flashes" by the global innovation consultant
Strategic Inventive Thinking; and the consultative "Green Guru" sessions,
during which participants meet in small groups to discuss design challenges
and solutions.
EcoSecurities is the official carbon offset provider for Greener by
Design 2009 and as such will calculate the emissions which have occurred as a
result of the conference and retire on behalf of Greener World Media the
equivalent number of carbon offsets (verified to the Voluntary Carbon
Standard and California Climate Action Registry) to effectively neutralize
the carbon emissions.
"Ecosecurities' innovative solutions to carbon offsets make it the
perfect complement for our conference on product design and innovation," says
conference. "We're pleased to partner with them and to extend their brand and
products to our audience of business executives."
is great to be recognized as the official carbon offset provider for such a
highly regarded conference as Greener by Design. We look forward to working
with Greener World Media to ensure that the environmental impact from this
event is as minimal as possible."
For more information about the conference visit
Notes to Editors:
About EcoSecurities:
EcoSecurities has spent the last 11 years focusing on climate change
mitigation activities and is now one of the world's leading organizations in
the business of sourcing, developing and trading emission reductions.
EcoSecurities' emission reduction portfolio is one of the largest in the
industry covering a wide range of emission reduction standards (Gold
Standard, CDM, VCS etc), technology types and geographical locations. In
addition, EcoSecurities provides clients with carbon management services,
helping them to understand and deal with an increasingly carbon constrained
EcoSecurities has unrivalled climate change experience and has been
recognized for a number of industry milestones including:
- The first project developer to become a member of the World Business Council for Sustainable Development - Development of the first CDM project registered under the Kyoto protocol, NovaGerar Landfill Project in Brazil in 2004 - Structuring of the CDM component of the first project to receive CERs in the world, La Esperanza hydro project in Honduras in 2005 - Received Environmental Finance' award for 'Best CDM/JI Project Developer 2008' for the second year in a row alongside the award for 'Best Voluntary Market Project Developer' - In 2007 the Group was ranked number 22 in CNBC European Business Magazine's 'Top 100 Low Carbon Pioneers' - Recognised by Environmental Data Services as one of the top 30 international carbon offset providers
EcoSecurities Group plc is listed on the London Stock Exchange AIM
(ticker ECO). Additional information is available at
About Greener World Media:
Greener World Media, the leading media and information services company
focused exclusively on the greening of mainstream business. Greener World
Media websites include GreenBiz.com, GreenerBuildings.com, ClimateBiz,
GreenerComputing.com, and GreenerDesign.com. Greener World Media also
produces the annual State of Green Business report and other research, as
well as Greener By Design and other conferences.
About The Global Executive:
The Global Executive, founded in 1998 and a WBENC-certified woman-owned
business, is a single source, comprehensive, B2B and B2C conference and event
logistics, management and marketing company. A recognized leader in the
events management industry, The Global Executive offers custom event
solutions to over 500 global events annually with innovative creation and
execution of unique events supported by their award-winning suite of
proprietary technology, eTouches(R), which address the critical issues facing
the event planning lifecycle. http://www.globalexec.com .
SOURCE EcoSecurities


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Attention current 5th grade students: Tdap and Meningococcal vaccines are required for all entering 6th graders who are 11 years of age or older. 6th graders < 11 years must receive Tdap and meningococcal vaccines once age 11 is reached. These immunizations are required for the first day of the upcoming school year. Feel free to contact your school nurse for more information.
Mrs. Horton, BSN, RN, CSN
Alexander Denbo School Nurse
893-8141 ext. 5503
Congratulation to Mrs. Jennifer Quinlan for winning Educational Service Professional of the Year for Denbo/Crichton 2014-2015.
The new category of Educational Service Professional of the Year was added to the NJ Governor's Awards this year, and honors the staff members who are counselors, speech/language pathologists, school nurses, reading intervention specialists and program coordinators
Pemberton Township Schools 21st Century Program
Instrucciones en español
Pemberton Anti-Bullying Program: Building a "Climate of Respect
Mrs. Jennifer Quinlan: Guidance Counselor - Harassment, Intimidation and Anti Bullying Specialist
Telephone: 609-893-8141 ext 5113
Email: email@example.com
Sunday, May 24, 2015
Pemberton Participates in Excellent Educators for New Jersey


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I thought this was kinda cool.
I thought this was kinda cool.
Thanks for the link, Ron. I am not sure why the Tribe felt the need for this. Is this making some sort of a point that I am missing (raising money for charity)?
Not trying to be dour. Just trying to understand why this is news and why a MLB team decided to do this "PR stunt" that serves no real purpose. Bill Veeck would be proud (that is... if she appeared in a real MLB game!). Does this now open the door for other non-deserving humans (animals, robots, etc) to get the chance to throw BP to hitters that belong to a professional organizaton?
Small market fan... always hoping, but never expecting.
Not sure, either, RFA66, but it's kinda cool that she got the opportunity.
Talent is God Given: be humble.
Fame is man given: be thankful.
Conceit is self given: be careful.
John Wooden
It seems more legit than those times when Garth Brooks or somebody would join the spring training lineup. It's just spring after all.
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10 Designer Bathrooms Fit for Royalty
Get ideas for transforming your bathroom into a royal retreat with luxurious designs that include enchanting chandeliers, dazzling fireplaces and lots of rich marble.
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Aquino statement on responsible parenthood 'safe' , says Sotto
More News from Kate Evangelista
More News from INQUIRER.net
MANILA, Philippines – Senate Majority Floor Leader Vicente Sotto III on Tuesday said that President Benigno Aquino III issued a safe position on the controversial reproductive health issue in his state of the nation address on Monday.
Speaking to reporters, Sotto said that Aquino instead talked about the passage of the responsible parenting bill, which Malacanang has submitted to the Legislative Executive Development Advisory Council.
"I think the president gave a very safe statement. Some people wanted to think that it was the RH bill he was pertaining to. But he was I think, it was an advice. To me it came as an advice," Sotto said.
Aquino on Monday received cheers from supporters of the RH Bill when he mentioned in passing the responsible parenthood bill in his congressional speech.
"Everybody is in favor of the responsible parenthood bill as a matter of fact, Archbishop Oscar Cruz said that responsible parenthood means planning your family and the number one component there is natural family planning method. Kaya maganda yung pino-propose ni president [That's why the proposal by the president is good]," Sotto said.
He added that the President's proposed responsible parenthood bill may have a better chance of passing in the House of Representatives and the Senate.
Nevertheless, Sotto said that there were similarities between the responsible parenthood bill and the pending RH bill especially on the provisions for maternal health care, protection of women and the unborn. There are differences, however, regarding the purchase of contraceptives and abortifacients.
Meanwhile, when asked if the Senate will adapt the Malacañang's version, Sotto said: "It depends on the period of amendments."
He added that the Senate would begin its deliberation on the RH Bill either on August 6 or August 13.
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Distinct patterns of notochord mineralization in zebrafish coincide with the localization of Osteocalcin isoform 1 during early vertebral centra formation
1 PhD Program in Biomedical Sciences, University of Algarve, Faro, Portugal
2 Center of Marine Sciences - CCMar, University of Algarve, Faro, Portugal
3 Evolutionary Developmental Biology, Biology Department, Ghent University, Ghent, Belgium
4 Dept. of Biomedical Sciences and Medicine, University of Algarve, Faro, Portugal
5 Present address: CEDOC - Faculdade de Ciências Médicas, FCM Universidade Nova de Lisboa, Lisbon, Portugal
BMC Developmental Biology 2012, 12:28 doi:10.1186/1471-213X-12-28Published: 9 October 2012
In chondrichthyans, basal osteichthyans and tetrapods, vertebral bodies have cartilaginous anlagen that subsequently mineralize (chondrichthyans) or ossify (osteichthyans). Chondrocytes that form the vertebral centra derive from somites. In teleost fish, vertebral centrum formation starts in the absence of cartilage, through direct mineralization of the notochord sheath. In a second step, the notochord is surrounded by somite-derived intramembranous bone. In several small teleost species, including zebrafish (Danio rerio), even haemal and neural arches form directly as intramembranous bone and only modified caudalmost arches remain cartilaginous. This study compares initial patterns of mineralization in different regions of the vertebral column in zebrafish. We ask if the absence or presence of cartilaginous arches influences the pattern of notochord sheath mineralization.
To reveal which cells are involved in mineralization of the notochord sheath we identify proliferating cells, we trace mineralization on the histological level and we analyze cell ultrastructure by TEM. Moreover, we localize proteins and genes that are typically expressed by skeletogenic cells such as Collagen type II, Alkaline phosphatase (ALP) and Osteocalcin (Oc). Mineralization of abdominal and caudal vertebrae starts with a complete ring within the notochord sheath and prior to the formation of the bony arches. In contrast, notochord mineralization of caudal fin centra starts with a broad ventral mineral deposition, associated with the bases of the modified cartilaginous arches. Similar, arch-related, patterns of mineralization occur in teleosts that maintain cartilaginous arches throughout the spine.
Throughout the entire vertebral column, we were able to co-localize ALP-positive signal with chordacentrum mineralization sites, as well as Collagen II and Oc protein accumulation in the mineralizing notochord sheath. In the caudal fin region, ALP and Oc signals were clearly produced both by the notochord epithelium and cells outside the notochord, the cartilaginous arches. Based on immunostaining, real time PCR and oc2:gfp transgenic fish, we identify Oc in the mineralizing notochord sheath as osteocalcin isoform 1 (Oc1).
If notochord mineralization occurs prior to arch formation, mineralization of the notochord sheath is ring-shaped. If notochord mineralization occurs after cartilaginous arch formation, mineralization of the notochord sheath starts at the insertion point of the arches, with a basiventral origin. The presence of ALP and Oc1, not only in cells outside the notochord, but also in the notochord epithelium, suggests an active role of the notochord in the mineralization process. The same may apply to Col II-positive chondrocytes of the caudalmost haemal arches that show ALP activity and Oc1 accumulation, since these chondrocytes do not mineralize their own cartilage matrix. Even without cartilaginous preformed vertebral centra, the cartilaginous arches may have an inductive role in vertebral centrum formation, possibly contributing to the distinct mineralization patterns of zebrafish vertebral column and caudal fin vertebral fusion.


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Photography is still taking a back seat in my life. Unfortunately, the few shots I do get aren't good enough to share. My daughter has a precious new puppy, a cream-colored Golden Retriever. She's now 4 months old and I've yet to get a decent image of her! Here are a couple of her when she was younger. She looks like a pony now!
|Meet Opal. Look at those white eyelashes!
|My Daughter Melanie and our friend Alyson (holding Opal)
Alyson is like my fourth child! She and her family moved back to South Carolina a few years ago but still come back to visit. Sometimes they stay with my daughter, sometimes they stay with me. I had the privilege of photographing her daughter's prom pictures back in the spring.
Looking for pictures of Opal reminded me that my daughter Michelle and her daughter Gigi came for an early Thanksgiving. (My son-in-law stayed home to take care of the animals and Rea was under the weather so she stayed with him.) None of the dinner pics came out but I did get a good image of Gigi. She's a sweet girl. Now in the 9th grade, she recently had a role in her school's competition play. Gigi plays guitar and sings original compositions as well as cover songs. She's written and sang several songs for book reports, and last year she did one on the Three Laws of Motion and made a singing video.
|Beautiful Gigi
Bill Barber, the blogger to whom I referred yall for orb instructions, in my last post, dropped by my blog and left a link for his orb facebook page. He thought yall might be interested. I checked it out and there are some cool orbs. Looking back at that post, I failed to mention his name. I apologize to Bill if that is bad blog etiquette.
I'll be spending a few days in Marietta with my daughter and her family, then will be back here to spend Christmas with my daughter and her family who live here. We'll start the celebration of Christ's birth by attending the Christmas Eve service at our church, then spending family time the next day.
May each of you have a blessed Christmas and Happy New Year. Will see you again in 2015!
Till then...
May each of you have a blessed Christmas and Happy New Year. Will see you again in 2015!
Till then...


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OLYMPIA, Wash. (AP) -- Washington state officials say they're on alert Sunday as they watch a 649-foot cargo ship drifting without power about 10 miles from the mouth of the Columbia River.
Department of Ecology spokeswoman Sandy Howard says the vessel is carrying 560,000 gallons of fuel. The department received a report that the vessel lost power about 1 p.m.
The vessel is named Morning Spruce. It's a car carrier.
No other details were immediately available.


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Unison Groupware Demo Now Available
Unison is a groupware product first presented at Cebit 2008 that combines PBX telephony, a groupware server, instant messaging and directory services with its own Windows client. An online trial version is available for anyone interested in the product.
US software vendor Unison has thus produced a genuine alternative to Exchange. Unison runs on Linux servers and supports both Web access and its own native client. The client is already available as a full-fledged replacement for Outlook on Windows systems with a native Linux groupware client due to follow: "We should have a version of our Linux client available by late summer" Chief Marketing Officer Rurik Bradbury revealed to Linux Magazine.
Standard groupware functions such as email, address book and calendar are just the start, says Bradbury: Unison also offers IP and PBX telephony, synchronization with mobile devices, instant messaging and in office/out of office display, directory integration: a MySQL database and integrated anti-virus and anti-spam software round off the feature set.
The first demo of the proprietary groupware product is now available for trials. For more details surf to the Unison website here.
Issue 175/2015
Buy this issue as a PDF
Code.org and College Board Team Reach Out for Talented High School Coders
New partnership will bring more and better CS training to US schools
A Peek Inside TeslaCrypt Ransomware
Criminals offer online help over Tor network
Mumblehard Still Spams
Sophisticated malware is still present on Joomla and WordPress sites around the world.
Launchpad Gets Git
Future versions of Ubuntu's code service will support the popular Git version control system used with Linux and other open source projects.
AMD Posts Code for Linux GPU Driver
New release marks the arrival of AMD's unified driver strategy.
30 Percent of New Server Equipment Goes to Cloud Infrastructure
A new study by IDC charts big changes in the big hardware market.
Windows Might Go Open Source
Azure CTO says Redmond has already considered the unthinkable.
Linux Mint Will Stay with Ubuntu
Lead developer quells rumors that the Debian version is slated for center stage.
Microsoft Frees Code for .NET Build Engine
MSBuild is now just another GitHub project as Redmond continues its path to the light.
Researchers Demonstrate Hack by Heat
Malware could pass data and commands between disconnected computers without leaving a trace on the network.


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04 September 2013 23:59 [Source: ICIS news]
LONDON (ICIS)--Increasing numbers of fourth-quarter negotiations were heard in the European fatty acids market, with early indications of slight increases to both palm and tallow-based fatty acids prices, sources said on Wednesday.
Following increases of around €50/tonne ($66/tonne) to the raw tallow feedstock, a producer of tallow-based fatty acids said it would likely increase prices for both stearic and oleic grades.
"I will offer tallow oleic acid at €1,200/tonne FD NWE, and tallow stearic acid at €1,000/tonne FD NWE," the producer said.
A supplier of palm-based acids also said it would target increases in the fourth-quarter, owing to firmer feedstock costs seen of late.
It said it would offer palm oleic acid at €1,150-1,170/tonne FD NWE, while palm stearic acid would now be offered in excess of €900/tonne FD NWE.
The supplier added that it anticipates increased competition from tallow fatty acids, owing to the higher increases to palm feedstock costs in comparison to those seen by the tallow feedstock.
"I fear buyers may switch to the cheaper alternative," he said.
($1 = €0.76)
For the latest chemical news, data and analysis that directly impacts your business sign up for a free trial to ICIS news - the breaking online news service for the global chemical industry.
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Asian Chemical Connections


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- Filed Under
Florida coach Urban Meyer said after Saturday's practice that there were some talks to have Utah replace Charleston Southern in the season-opener -- and he would have loved to have played the game -- but the two schools couldn't get the switch done. It would have been in Gainesville.
Meyer led the Utes to a BCS bowl prior to taking the Florida job after the 2004 season. Utah finished undefeated a year ago and has been vocal about feeling it deserved a shot at the national title -- which went to the Gators after a win against Oklahoma.
"I've got my opinions," said Meyer of possibly playing Utah. "I ...


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This cheap and cheerful hotel has some great onsite facilities and boasts its very own stretch of private beach. Perfect for the budget conscious who want to experience the delights that Sharm has to offer.
How far is the nearest beach?
This hotel overlooks the beach.
Distance from Airport
The airport is situated 5Km from the hotel.
All rooms include an en suite bathroom with a hairdryer, individually adjustable air conditioning, satellite TV (with a hotel information channel), a safe, a lounge, a minibar/fridge and an international direct dial phone.
Food & Drink
You have a number of options if you choose to stay at the Hauza Beach Resort. Many people choose to go all inclusive, which means the price of all meals is included in the room rate. If you'd rather not go all inclusive, there are several restaurants within easy walking distance. The Hauza's main restaurant with live cooking demonstrations that are sure to entertain you and your whole family. The Al-Jazeerah restaurant serves Indian inspired dishes and the new pizzeria serves pizzas and pies right onto the beach until late at night.
If you do choose to go all inclusive, your package includes the following meals:
Nubian Restaurant: Main restaurant with open buffet with 7 changing theme nights to transfers guests around the word (no reservation required)
Breakfast buffet 06:00-09:30
Lunch buffet 13:00-15:00
Dinner buffet 19:00-22:00
Theme nights include: Far-east, Egyptian, BBQ, Mexican, Seafood, International and Hauza night .
Mattarello Restaurant: Is an open door Italian cuisine restaurant/pizzeria designed with a casual atmosphere, serves a daily a la carte menu from 19:30-22:00. Pre reservation is required, one visit per stay.
Al'Jazerrah Restaurant: serves Indian dishes in private and special atmosphere from 19:30-22:00. Pre reservation is required, one visit per stay.
Tirana restaurant overlooks the Tiran Island where guests can enjoy Mongolian cuisine from 19:30-22:00. Pre reservation is required, one visit per stay.
Beach Pizzeria serves freshly made mini pizzas on the beach from 10:00-16:00.
The pool snack bar offers a sandwich station with fresh ingredients from 12:00-14:00, a late lunch buffets from 15:00-17:00 and a spaghetti midnight buffet from 12:00-01:00.
There is also a lobby bar, pool bar, coral beach bar, a shisha corner, splash fresh bar, go crepe bar and mad dogs pub.
Sports & Entertainment
The Hauza Beach Resort has something for everyone. Whether you fancy a romantic evening under the stars, a day of surf and sun, a trip away with the girls, or fun for the whole family, you're guaranteed to find what you're looking for. It is almost impossible to visit this amazing beach without strapping on the scuba gear and going diving. There are even night time camel rides to see some of the exotic wildlife that call the neighboring sand dunes home. Scuba diving, Camel rides, Swimming pools, Kids pools, Playground, Seawater lagoon with private beach, Tennis courts, Volleyball courts, Billiards, Shopping centre, Full Moon disco, Entertainment (four times a week).
As UK, Courses or boosters usually advised: diphtheria; tetanus; poliomyelitis; hepatitis A; typhoid. Vaccines sometimes advised: tuberculosis; rabies; hepatitis B.
Round 2-Pin Sockets, 220V
British nationals travelling to Sharm el Sheikh, Dahab, Nuweiba and Taba resorts for up to 15 days receive a free entry permission stamp upon arrival. If you intend to travel out of these areas or stay longer than 15 days, you must get a visa.


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The city of Santa Clarita, Los Angeles County Department of Public Health, L.A. County Sheriff's Department and College of the Canyons are working together to host a walk-through flu-shot event on Friday, Nov. 15.
Don't miss a thing. Get breaking Santa Clarita news alerts delivered right to your inbox.
The flu-immunization Point of Dispension will be held at the College of the Canyons Valencia Campus, where seasonal flu-shots will be administered. The walk-through clinic will be in the East Physical Education building, with parking open to the public in the adjacent lots. The flu vaccine will be dispensed free of charge on Friday, Nov. 15th, from 10 a.m. to 2 p.m. while supplies last.
This year marks the eighth consecutive year of the POD. More than 150 volunteers from the participating agencies help coordinate the event each year. COC nursing students administer most of the vaccinations and EMT students are part of the pre-screening process as well, giving students valuable, hands-on experience from the event.
Nurses from the county Department of Public Health, the college and volunteer nurses will be on hand to lend their knowledge and expertise.
"The flu POD has proven to be a valuable service to the community and we look forward to making the immunizations available at the Valencia campus again this year," said Eric Harnish, COC's vice president for public information.
In addition, the flu POD also tests the community's Cities Readiness Initiative response in the case of a bioterrorism attack or potential pandemic. The purpose of the CRI plan is to treat an impacted, mass population with medications within a short time period.
Every year, more people are trained to assume responsibilities within the POD structure, enhancing preparedness in the case of future disasters. In the event of a large outbreak of disease or a bio-terrorist attack, many sites similar to this one in Santa Clarita could be needed to serve affected California communities.
Since the college's Valencia campus is conveniently located near freeways and major arteries, the campus makes an ideal location for an emergency POD if it becomes necessary.
Do you have a news tip? Call us at (661) 298-1220, or drop us a line at firstname.lastname@example.com.
Source: Santa Clarita News


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Your Choice. Our Commitment.
We know you have other banks to choose from and we are proud you've considered us – our number one priority is our community's success. At Bank of Manhattan, we believe in maintaining a banking relationship that provides customized solutions and smart planning for your personal financial needs.
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Full Service Banking Solutions. Let us explore the best solution that fits you. Whether it's a checking, savings, or money market account, we provide the service that exceeds your expectations.
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Free Personal Online Banking with Bill Pay. Enjoy more free time and less bank time with 24 hours a day, 7 days a week secure access to your personal account information and services via the Internet.
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Free ATM Access Worldwide. ATM fees from other financial institutions are reimbursed on a monthly basis.
To learn more please call us at 866.776.2265 or send us an email and one of our bankers will contact you.


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On Saturday night, delusional wannabe cop and homicidal maniac George Zimmerman was found not guilty by a Seminole County, Florida, jury. Yesterday, New York joined Oakland, Seattle, L.A., Boston, and... More >>
At 10:30 last night, Eliot Spitzer, who very much wants to be your comptroller, submitted a comically large number of signatures to the Board of Elections' Manhattan office. His campaign workers, who ... More >>
It's really not that hard to pay your fare, sit in your seat, and let the bus operator take you where you want to go. Yet in recent weeks, a number of New Yorkers have made different, more dickish cho... More >>
Two news items from recent weeks have led us to ask, with genuine concern: What the hell is going on over at Marine Park's bocce ball courts? Because according to the Daily News and the New York Times... More >>
Most people would be offended if you called them a white nationalist or a leading racist, but Paul Gottfried doesn't mind. Really. "I... More >>
As you've no doubt heard by now, a set of draconian anti-abortion measures have been winding their way through the Texas Legislature for the past couple weeks. (Last week we explained why you, sitting... More >>
All things considered, Erasmo Ponce probably got off light. The state Attorney General announced yesterday that Ponce, who owns Tortilleria Chinantla, a corn tortilla factory in East Williamsburg, has... More >>
A few years after all that unpleasantness with the prostitutes, Eliot Spitzer would very much like to be your comptroller. In a Sunday night interview with the New York Times, the former attorney gene... More >>
After reports on Wednesday that it was "swaying dangerously," the Department of Buildings dismantled the top portion of the AstroTower, one of Coney Island's last historic rides. As welders lopped off... More >>
Earlier today, we told you that parts of Coney Island's Luna Park as well as a stretch of Surf Avenue were closed following reports that a decades-old ride, the AstroTower, was swaying and appeared un... More >>
Oh good lord. Coney Island's Luna Park was evacuated late yesterday afternoon, after reports that a nearby ride, the bagel-on-a-stick-shaped AstroTower, was swaying and looked potentially unstable. ... More >>
Have we heard enough, directly or indirectly, about Anthony Weiner's penis? Yes? Enough to last many lifetimes, please stop? Too bad. Because now, as Weiner leads in the polls, Republican mayoral cand... More >>
I just got back to New York after a couple years abroad in Texas, and I'll be damned if some stupid, awful bullshit didn't trail home with me. As you've no doubt heard by now, the Texas Legislature is... More >>


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1:37 pm
Sun July 8, 2012
Distillery hopes to start making rum by fall
LACASSINE, La. — Construction of a $5 million rum distillery in Jefferson Davis Parish continues, with production expected to start this fall.
Trey Litel, president of Louisiana Spirits, tells the American Press (http://bit.ly/OjaSjJ) that some of his company's rum is expected to be available by year's end.
Litel brings 25 years of sales and marketing expertise, including over 10 years with Bacardi USA, to the job.
The facility plans to produce 200 gallons of rum a day using local ingredients including Louisiana sugar and molasses, head distiller Jeff Murphy said
Louisiana Spirits will initially offer a variety of light and spiced rums, but hopes to expand to other varieties, Litel said.
Guided tours of the plant just off Interstate 10 will be available, and an adults-only tasting bar will offer samples.


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X-Team: Southampton Festival of the Arts
The ExploreLI Street Team perused the work of 60 renowned national and international artists at the Southampton Festival of the Arts in Quogue. Did they catch you on camera?
'Secrets and Wives' cast Recent notable deaths 7 songs to stream, download now Reality show families Hot summer movies: 'Pitch Perfect 2,' more 32 celebs you may not know are related Concerts set for Jones Beach Mary-Kate and Ashley Olsen Vince Camuto, Macy's, more Memorial Day sales Summer books preview: 10 hot reads Best new movies On Demand Lindsay Lohan's many roles


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Club Date
Kenny Burrell
Absolutely freeEvery time we post a new video,we'll send you a notice by e-mail.
San Diego, late-'80s
Kenny Burrell appears live in San Diego as a guest on an episode of the late-80s TV show "Club Date."
Kenny Burrell, guitar
Bob Magnusson, bass
Sherman Ferguson, drums
Set List:
1 "Jeannine"
2 "Listen to the Dawn"
3 "Moon and Sand"
4 "Spring Can Really Hang You Up the Most"
5 "All Blues"
Kenneth Burrell was born in Detroit, Michigan where he started playing the guitar in his preteens with influences including Django Reinhardt and Charlie Christian.
He made his first recordings in 1951 as a member of Dizzy Gillespie's sextet while attending Wayne State University and went on to tour with Oscar Peterson in 1955 before moving to New York the following year.
Burrell's best known recorded works include his 1963 solo LP "Midnight Blue" and the 1965 collaborative album with Jimmy Smith "Organ Grinder Swing."
During the 1970s Kenny Burrell began giving seminars on the music of Duke Ellington and as of 1996 has served as Director of Jazz Studies at UCLA where he currently teaches a course titled "Ellingtonia."
That's how we grow.
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10 Steps to Pick the Right Doctor
Whether you need a primary care doctor or a specialist, these 10 steps will ensure you find the right doctor for you. View Slideshow
Dr. Kunkel's Experience
- Plastic Surgery
- Cosmetic & Reconstructive Surgery
Board Certifications
- General Surgery
- Abdominoplasty
- Blepharoplasty
- Body Contouring (After Weight Loss Surgery)
- Breast Augmentation
- Cosmetic Eyelid Surgery
- Cosmetic Facial Implant Surgery
- Cosmetic Facial Surgery
- Cosmetic Surgical Procedure
- Ear Pinning
- Earlobe Repair
- Facelift
- Liposuction
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- Plastic Cosmetic Surgery
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Conditions Dr. Kunkel Treats
Dr. Kunkel does not have any conditions listed. If you are Dr. Kunkel and would like to add conditions you treat, please update your free profile.
Background Check for Dr. Kunkel
0 Malpractice Claims
- No malpractice history found for Texas.
- No sanctions history found for the years that Healthgrades collects data.
0 Board Actions
- No board actions found for the years that Healthgrades collects data.
Awards & Recognitions
Media & Publications
- Texas Monthly Magazine Texas Super Doc, 5 times
- Fort Worth Business Press HealthCare Hero, 2006
- Fort Worth Magazine Top Doc, 9 times
Education & Training
Medical School
- University Of Texas Medical Branch At Galveston
- Graduated in 1986
Internship Hospital
- University Of Texas Medical Branch
- Complete in 1987
Residency Hospital
- Oreg Health Scis University
- Complete in 1994
- University Tex Med Br
- Complete in 1991
Fellowship Hospital
- University Wash Harborview Med Center
- Complete in 1992
Languages Spoken by Dr. Kunkel & Staff
- English
- Spanish


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27 North 27th Street Billings, MT 59101 United States
Hotel Front Desk: 1-406-2527400
Hotel Fax: 1-406-2522401
Hotel Email: email@example.com
Billings Logan International Airport (BIL)
- Distance from hotel: 3 MI/ 4.83 KM South l
- Complimentary shuttle available
- Enter Roundabout and take the City Center Exit from airport proceeed 3 miles hotel is on left
- Car Parking Available
- Complimentary Daily Self-Parking
- Front Hotel Lot 50 spaces with overflow in covered garage connected via skybridge to 2nd flr of hotel; ticket validated for hotel guests only. For larger vehicle parking please contact hotel front desk prior to arrival to arrange parking.
- Front Desk
- Hotel Exterior
- Our Great Room is perfect for lounging with friends or a book.
- IHG Rewards Available
Crowne Plaza located within minutes of Billings Airport
- Complimentary Wireless through out the hotel
- Crowne Plaza Billings 24 Hour Fitness Center
- Bathroom Amenities
- Executive Conceirge Lounge
- Executive Conceirge Lounge
- Double Bed Guest Room
- Guest Room
- Bridal Suite
- Bridal Suite
- Presidential Suite
- Presidential Suite
- Catering to your Social/Wedding Needs
- IHG Meeting Rewards Available
- Features Billards
- Catch the Game in Montana's
- Montana Lounge
- Starbucks Coffe Shop
- Fine Dining in an Elegant Atmosphere
- Montana Sky Restaurant
- Restaurant
Montana's Lounge
- Horseback riding nearby
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To book more than 9 rooms for one stay or request a quote, please use our Easy Meetings tool or call 1-800-MEETING (in United States, Mexico and Canada).
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We'll work with you to create a menu worthy of your special occasion—one you and your guests will never forget.
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No matter the occasion, enjoy flexible menu options to make your event even more memorable.
Make Every Meeting a Success
We understand you want to work with a team you can trust—professional, flexible and always responsive. Our services and expertise make us the perfect partner to create memorable events uniquely tailored to your needs. We'll handle the details so you can focus on the big picture.
Crowne Plaza Meetings Director
A dedicated point of contact will work with you to ensure every detail goes smoothly, from start to finish.
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We'll give you an itemized account of each day's expenditures to help you track costs and manage your budget.
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Within two hours, we'll respond to your proposal with space, rate and date availability and ask any follow-up questions.
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Get more when you meet. Our unique loyalty program rewards you for every qualified meeting you hold. Join today.


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A new antibody could dramatically boost strength and muscle mass in patients with cancer, chronic obstructive pulmonary disease (COPD), sporadic inclusion body myositis, and in elderly patients with sarcopenia according to research published ahead of print in the journal Molecular and Cellular Biology.
"Age-related loss of muscle mass is a major contributing factor to falls, broken bones, and the loss of mobility," says co-corresponding author David Glass of Novartis, Cambridge, MA, one of the compound's developers, along with first author Estelle Trifilieff, also of Novartis. "This study illustrates that we may have a powerful tool to prevent muscle wasting and promote growth."
The new compound (BYM338) acts to prevent muscle wasting by blocking a receptor that engages a cellular signaling system that exists to put the brakes on muscle development when appropriate. But sometimes those brakes are activated inappropriately, or are stuck on.
"Our goal was to release the brakes," says Glass.
A variety of signals can activate the receptor. Prior to development of BYM338, compounds developed to block these molecules were blunt instruments, either trapping all incoming signals (which stimulated muscle growth but also caused harmful side effects) or blocking just a single receptor activator (providing only tepid growth stimulation.) BYM338 was designed to be in the Goldilocks zone (just right.)
In the study the compound boosted muscle mass 25 to 50 percent and increased strength in animal models. Those gains were significantly superior to those of compounds that blocked a single receptor activator. Clinical trials are currently underway.
The conditions BYM338 is designed to treat are losses of skeletal muscle and fat, which are not reversed by simply eating more, and are known as cachexias when associated with certain chronic illnesses. Cancer cachexia develops in a majority of patients with advanced
|Contact: Jim Sliwa
American Society for Microbiology


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U.S. Citizenship and Immigration Services (USCIS) has finally made it easier for Adjustment of Status applicants to work and travel!
Starting February 11, 2011, USCIS will begin issuing employment and travel authorization for Adjustment of Status applicants in a single card, doing away with the separate paper approvals formerly issued for travel authorization (otherwise known as Advance Parole). This card is to be issued when an applicant files an Application for Employment Authorization (Form I-765) and an Application for Travel Document (I-131) concurrently with, or after, filing a Form I 485, Application for Adjustment of Status.
Please see full article below for more information.
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Segment of Louis Lake Road to open Friday
May 28, 2015 - From staff reports:  The Shoshone National Forest Washakie Ranger District will do a partial opening of the Louis Lake Road at noon Friday.
Terry Dugas hired to lead Wyoming PBS
May 27, 2015 - Staff:  Central Wyoming College announced Wednesday that Terry Dugas has accepted the position of Wyoming PBS general manager.
Fed leader won't be at big summit in Teton Park
May 27, 2015 - By Martin Crutsinger, The Associated Press:  WASHINGTON -- It turns out that being the first woman to head the Federal Reserve is not the only tradition Janet Yellen is breaking. The Fed said Tuesday that ... [more]
National foundation critical of state's angle on foster children
May 27, 2015 - The Associated Press:  LARAMIE -- A new report says Wyoming has too many children who are in institutionalized care rather than foster care.
May 27, 2015 - The Associated Press:  Powell weighs e-cigarette rules
Pride Picnic returning to Lander
May 27, 2015 - From staff reports:  The event marks the kick-off of a grassroots campaign to pass an LGBT non-discrimination ordinance in the city.
District 14 adds human resources director, reorganizes other positions
May 27, 2015 - By Christina George, Staff Writer:  Wyoming Indian High School principal Phil Garhart will assume the role of human resources and athletic director for the 2015-2016 school year. It is a position ... [more]
Zillmer challenges county to say why he was terminated
May 27, 2015 - By Eric Blom, Staff Writer:  Ex-EMS chief says he's ready to sue
Canyon highway open again, but saturated walls still of concern
May 27, 2015 - By Katie Roenigk, Staff Writer:  The roadway through Wind River was reopened to vehicle traffic at about 10 a.m. Wednesday, but motorists still should expect slow driving conditions due to mud ... [more]
Sinks Canyon vandals get probation but must pay $50K in restitution
May 27, 2015 - By Eric Blom, Staff Writer:  A judge gave probation to four defendants in the case of two Sinks Canyon cabins vandalized in May 2014. The young adults pleaded guilty to some of the charges ... [more]
New alternative school option takes shape in Riverton
May 27, 2015 - By Alejandra Silva, Staff Writer:  The Frontier Academy will start off with four staff members and as many as 40 students.
RHS boys contenders as 4-A state soccer begins
Tiger girls seeded No. 1, boys No. 2 at 3-A tournament
State hosts
May 27, 2015 - By Steven R. Peck:  If the 1-A basketball tournament is available, then Riverton ought to explore hosting it
'Utterly disgusted' with recent outing at Rendezvous Ponds
May 27, 2015 - Kimberlee Raymond, Riverton:  Editor: