text:
Press release from Business Wire
National Survey of Workers and Retirees from BlackRock: Most Workers Not Saving Full Amount Permitted by Their 401(k) Plan

 Yet, Rate of Savings Increases With Time in the Plan, Retirees Report

 More Than Nine in 10 Workers Find Target Date Savings Concept Appealing

 BlackRock Retirement Expert: Plan Sponsors Need to Review Target Date Offering, Ensure Good Match with Workforce Needs and Goals

Wednesday, September 19, 2012
National Survey of Workers and Retirees from BlackRock: Most Workers Not Saving Full Amount Permitted by Their 401(k) Plan10:00 EDT Wednesday, September 19, 2012 NEW YORK (Business Wire) -- A nationwide poll, conducted by BlackRock, Inc. (NYSE: BLK), of 1,035 retired Americans and 1,002 American workers participating in Defined Contribution (DC) retirement plans, has found that most workersare failing to save as much as they could for retirement – risking the regret now felt by retirees who had made that same mistake. The survey, conducted in March this year, also found that nearly six of 10 workers (58 percent) currently are not saving the maximum amount of money permitted by their 401(k) plan. At the same time, nearly three of 10 retirees (27 percent) agree they didn't save as much in their plan as they could have –but what's more, nearly eight of 10 of them now regret it. The polls also show that, while the retirement "savings gap" remains a troubling reality, long-term participation in a DC plan, including a 401(k), can have a significant, positive impact on retirement savings effectiveness. The full survey findings can be read at https://www2.blackrock.com/us/defined-contribution/news-insight/research/retirement-survey "When it comes to saving for retirement, defined contribution plans are evidently making a difference – a difference that we believe is more and more vital as fewer workers are covered by traditional pensions," said Chip Castille, Managing Director and head of BlackRock's US & Canada Defined Contribution Group. "But clearly there is more work to be done in motivating workers to make the most of the savings potential of their DC benefit. Sufficient savings is the single most important factor in leading to a comfortable life in retirement. "Plan sponsors also have an increasingly urgent responsibility to ensure that their plan's savings options are well matched to participant needs and goals," he said. Savings Critical in Sustaining Retirement Income The polls show that many of today's retirees are successfully meeting the financial challenges of life post-employment. Just over half (51 percent) of retirees are confident about having enough money to live comfortably in retirement, and about four in 10 say they are somewhat confident they can make ends meet in retirement. But only one quarter (25 percent) of today's workers are confident about having enough money to live comfortably in retirement and only 14 percent are very confident that they are saving enough now to get the monthly income they want in retirement. Importantly, about eight of 10 retirees polled report having pension income, but defined benefit plans cover just 53 percent of the workers polled. "For many retirees, secure pension income is a major factor supporting a sense of financial stability and confidence in retired life," Castille said. "One of the key challenges of the DC system is to ensure that workers are accumulating the savings that they'll need to generate a meaningful level of retirement income – income that, in most instances, will no longer be automatically delivered to them via a defined benefit plan." "Lessons Learned": Max Out Savings When it comes to the retirement savings exercise, as well as planning for retirement generally, 92 percent of workers believe they have something to learn from the experiences of today's retirees. Many retirees practiced good "planning behaviors" when working, but many did make some mistakes along the way, particularly in the area of saving. Nearly one in three retirees say they didn't make a financial plan for saving for retirement early enough in their work life and, of those, about eight of 10 regret it (32 percent call it a major regret). "When it comes to 'lessons learned,' the message from today's retirees to today's workers is straightforward: Make a plan for retirement saving early and, above all, save as much as you possibly can," Castille said. Closing the Retirement Savings Gap In the crucial area of savings, workers preparing for retirement have clearly fallen behind the curve. The difference between what people have saved and what they need to save for retirement is estimated at $6.6 trillion1. Retirement savings behaviors need to be strengthened, yet the poll suggests that DC retirement plans are starting to fulfill much of their promise as critical savings vehicles. Nearly half of workers strongly agree that their plan provides an easy way to save; 46 percent strongly agree that their plan offers an incentive to save via the company match. Long term participation in a DC plan can have a significant impact on retirement savings, the BlackRock poll shows. Among retirees, those who spent more than 20 years in the DC system are more likely than those with less time (5-10 years) to say that they saved the amount of money permitted annually by their plan (79 percent vs. 62 percent). "The positive impact that DC has on retirement saving builds over time," Castille said. "We need to get workers into the DC system as soon as possible and maintain their maximum participation throughout their working years." Finding the Right Savings "Fit": Target Date Funds With DC playing a growing role in the retirement savings process, one increasingly prevalent savings tool will be the target date fund – a fund with a variety of investments automatically rebalanced and reallocated over time seeking to become more conservative, and lower the chance of losing money as the worker nears their planned retirement age. About 80 percent of DC plan sponsors currently offer target date funds, according to a separate poll of 118 sponsors conducted by BlackRock. More than nine of 10 workers find the target date fund concept appealing – and about one third very appealing. Younger workers, age 25 to 34, are even more likely to find the concept very appealing (44 percent) than workers age 55 to 59 (29 percent). Following the passage of the Pension Protection Act (PPA) in 2006 and the Department of Labor's validation of the target date fund concept by accepting them as a qualified default investment alternative (QDIA), plan sponsors now have a mechanism for effectively "jump starting" the savings process for participants by automatically enrolling them in such funds. The BlackRock poll suggests that workers welcome the development: More than six of 10 workers indicated they would react positively if their employer automatically moved their retirement assets into a target date fund, and about the same number of retirees said their reaction would have been the same. Indeed, many workers would be comfortable with an employer taking "automatic" support for savings even further: Nearly four of 10 say they would be willing to have an employer automatically increase annually the amount of retirement savings deducted from a paycheck. A similar percentage of retirees indicated they would have been comfortable with their employer taking this step during their working years. Castille: Critical for Sponsors to Choose Target Date Fund with Care As the poll suggests, today's workers have strongly embraced the target date concept – making it all the more critical for plan sponsors to be painstaking in their selection of a target date option. "Sponsors need to ensure that they are employing a target date strategy that is well aligned with the distinctive characteristics of their workforce as well as their overall goals for the plan," said Castille. With target date funds becoming more widely used, fundamental differences in target date strategies have emerged, Castille noted. "It's critical that plan sponsors are aware of the impact these differences can have on their participants' retirement savings, particularly as DC plans continue to emerge as a top savings vehicle," he said. According to Castille, sponsors need to recognize that target date funds have varying objectives and investment approaches that can impact investment performance as well as a fund's suitability for a particular participant population. "Sponsors should consider whether their workforce has unique needs – based on age, for example - that might benefit from a customized solution," he said. "Perhaps most importantly, sponsors need to assess the characteristics and attributes of potential product providers, and be sure to seek out a provider offering the requisite flexibility, sound investment process, track record of innovation and performance, and commitment to supporting employee participation," he said. "Not all target date funds are created equal," Castille said. "Proper due diligence aligned with good understanding of plan and participant realities can help a sponsor ensure that their target date fund well supports their employees' essential savings objectives." For more information on the BlackRock survey, please visitwww.BlackRock.com/RetirementSurvey.The surveys of 1,035 retirees and 1,002 workers were conducted on the Internet during March 2012 by Boston Research Group on behalf of BlackRock's U.S. Defined Contribution business. BlackRock also polled 118 executives managing DC plans, in an Internet survey conducted during that same month.All of the retirees and workers polled have had at least five years of participation in a workplace retirement savings plan. The samples of 1,035 retirees and 1,002 workers each have a maximum sampling error of +/- 3.1 percentage points at a 95 percent confidence level.1Source: Center for Retirement Resource at Boston College. About BlackRock BlackRock is a leader in investment management, risk management and advisory services for institutional and retail clients worldwide. At June 30, 2012, BlackRock's AUM was $3.560 trillion. BlackRock offers products that span the risk spectrum to meet clients' needs, including active, enhanced and index strategies across markets and asset classes. Products are offered in a variety of structures including separate accounts, mutual funds, iShares®(exchange traded funds), and other pooled investment vehicles. BlackRock also offers risk management, advisory and enterprise investment system services to a broad base of institutional investors through BlackRock Solutions®. Headquartered in New York City, as of June 30, 2012, the firm has approximately 9,900 employees in 27 countries and a major presence in key global markets, including North and South America, Europe, Asia, Australia and the Middle East and Africa. For additional information, please visit the Company's website at www.blackrock.com. The opinions expressed are as of September 19, 2012 and may change as subsequent conditions vary. The information and opinions contained in this material are derived from proprietary and non-proprietary sources deemed by BlackRock to be reliable, are not necessarily all inclusive and are not guaranteed as to accuracy. There is no guarantee that any forecasts made will come to pass. Reliance upon information in this material is at the sole discretion of the reader. BlackRock® is a registered trademark of BlackRock, Inc. All other trademarks are the property of their respective owners. © 2012 BlackRock, Inc. All rights reserved. Media Relations:Brian Beades, firstname.lastname@example.com Denby, firstname.lastname@example.com


text:
Pearl Izumi Thermal Skull Cap - Road Bike Shop
Road Bike Shop
Product Search Results For "Pearl Izumi Thermal Skull Cap"
|Blueseventy Thermal Skull Cap - Men's
It shouldn't come as a surprise that cold water racing requires cold water protection. It's for this very reason that Blueseventy created both the Skull Cap and the Thermal Skull Cap found here. Both are constructed from 3mm Yamamoto Neoprene (the same neoprene found in its Reaction wetsuit),...
|Pearl Izumi Elite Men's Thermal Bib Tights - Men's
Pearl Izumi designed its new Elite Thermal Bib Tights to keep you warm, dry, and comfortable while out riding in both cool to cold weather conditions. The tights accomplish this by incorporating advanced fabrics and a built-in chamois, ensuring that you remain supported and protected regardless...
Price: $154.95
|Pearl Izumi Elite Thermal Arm Warmer - Women's
The Pearl Izumi Women's Elite Thermal Arm Warmers will be your best friends on long rides in cool weather. But why would you opt for arm warmers instead of a long-sleeve jersey? Because you can easily slide them off and pack them into a jersey pocket when the sun comes out -- or vice-versa --...
Price: $34.95
|Pearl Izumi Elite Thermal Arm Warmers
Whether it's spring or fall, there comes a time when your windproof winter jacket is just too hot, yet your summer jersey is far from adequate. That's where the Pearl Izumi Elite Thermal Arm Warmers enter the picture. They provide a greater degree of warmth than Pearl's standard Thermal Lite...
Price: $31.95
|Pearl Izumi Elite Thermal Barrier Bib Tights - Men's - Men's
Knowing that wind and rain often accompany your cold weather rides, Pearl Izumi built a new collection around its advanced Barrier fabric technology. The Elite Thermal Barrier Bib Tights are right at the top of this line, serving to be your lower-body protection against all of the adverse-weather...
Price: $159.95
|Pearl Izumi Elite Thermal Barrier Men's Tights - No Chamois - Men's
Rain and wind often work as a team with cold weather, attempting to push you toward the confines of your gym or home trainer earlier in the season than you'd prefer. Fortunately, Pearl Izumi created a new collection around its advanced Barrier fabric technology, which keeps you protected from the...
Price: $124.95
|Pearl Izumi Elite Thermal Barrier Tights - Men's - Men's
Pearl Izumi knows that cold weather is usually accompanied by wind and rain, which is why it created a new collection around its advanced Barrier fabric technology. With the new Elite Thermal Barrier Tights, you stay protection from the elements and also receive the comfort and support of Pearl...
Price: $144.95
|Pearl Izumi Elite Thermal Bib Tights - No Chamois - Men's - Men's
Pearl Izumi designed its new Elite Thermal Bib Tights with layering in mind. Besides being constructed with advanced fabrics that work to keep you warm and dry, the bib tights were built without a chamois, allowing you to choose exactly what type of shorts and layering system to wear underneath....
Price: $129.95
|Pearl Izumi Elite Thermal Hoodie - Women's
Have you noticed a dearth of cycling-ready hoodies out there? We have, and Pearl Izumi has, too. Yes, it's difficult to get a hood up over a helmet, but while that's possible here, that's not the only idea. You can also stay warm from the neck up on or off the bike, without having to keep on that...
Price: $199.95
|Pearl Izumi Elite Thermal Knee Warmers
There comes a time in the shoulder seasons when standard Lycra warmers are no longer sufficient, yet fully-windproof tights are overkill. That's why Pearl Izumi designed the Elite Thermal Knee Warmers. Essentially, these warmers provide a greater degree of warmth than Pearl's standard Thermal...
Price: $34.95

subset: commoncrawl


text:
Organises Bower components according to their types
Organises Bower components according to their types
Install this grunt plugin next to your project's grunt.js gruntfile with:
npm install grunt-bower-organiser
Then add this line to your project's
grunt.js gruntfile:
To your grunt.js gruntfile, add:
bowerOrganiser: mapping: js: 'js' css: 'css' less : 'less'
The plugin will use the file extension as a directory if there are no mappings provided for a certain extension.
In lieu of a formal styleguide, take care to maintain the existing coding style. Add unit tests for any new or changed functionality. Lint and test your code using grunt.
(Nothing yet)
Copyright (c) 2013 Mehdi Avdi
Licensed under the MIT license.


text:
Aleksei Maksimovich Peshkov (usually known as Maxim Gorky [Maksim Gor'kii], his pen name adopted in the Soviet period) was a highly acclaimed Russian Soviet writer whose life is inseparable from the formation of socialist realism and Soviet cultural politics of the 1920s and 1930s. Together with Anatolii Lunacharsky (1875-1933), Gorky is seen as one of the most influential political activists of his time. His novel of 1907, Mat' [Mother], is considered to be the canonical work that laid the grounds for the development of socialist realist literature in the Soviet Union. Gorky's contribution to the creation of Soviet literature is immense: he was the founding editor of the newspaper
Please log in to consult the article in its entirety. If you are not a subscriber, please click here to read about membership. All our articles have been written recently by experts in their field, more than 95% of them university professors.
Smith, Alexandra. "Maxim Gorky". The Literary Encyclopedia. First published 03 October 2006
[http://www.litencyc.com/php/speople.php?rec=true&UID=1816, accessed 30 June 2015.]


text:
NGOs as agents of development
How can the nation develop in the face of the various challenges it currently grapples with? To what extent can the growing army of civil society groups, community-based organisations and non-government organisations contribute to compelling the nation's leadership to move in the right direction?
These, among other issues, engaged development experts and members of civil society organisations at a two-day capacity building session for NGOs in Lagos.
Participants also dealt with issues relating to proposal writing, project implementation, financial accountability, monitoring and evaluation, effective organisational management
At the end of the event, participants were united on the great role NGOs must play in driving societal development by helping, through advocacy, in influencing government decisions.
They also agreed that NGOs can not replace government and its institutions, but must work to drive theses agencies into performance. Participants agreed that accountability in the management of donor funds was imperative in ensuring the successful execution of NGO projects.
The event organisers, T.Y. Danjuma Foundation (TYDF), said it was designed to train NGOs to be better positioned to deliver services to deserving communities with greater accountability
The foundation's Executive Director, Ms. Thelma Ekiyor noted that NGOs in the country have shown that they are able drivers for community mobilisation and development.
She said the training was informed by her foundation's realisation that non-profit sector was capable of contributing to creating awareness and strengthening communities for sustained development.
"The objective is in no way to do the work of government, but to instead, catalyse action from both the public and private sectors. That is why the foundation believes that partnership with communities and government is cardinal to achieving this objective," she said.
In his paper titled: Developmental challenges in Nigeria and role of NGOs" Dr. Otive Igbuzor attributed the nation's stagnated development to poor leadership, corruption, weak institutions, lack of focus and effective state, among others.
He argued that the prevailing culture where succeeding government sees development in terms of physical growth, accounted for why past development policies target only economic development at the detriment of political and social growth.
Igbuzor, of the African Centre for Leadership, Strategy and Development, argued that development is not about skyscrapers and physical development, but about human development and the creation of policies that ensure qualitative life for the people.
He urged the government to evolve policies that would drive growth in the education and heath sectors, noting that researches have revealed that there was no correlation between economic growth and growth in health and education, sectors that help ensure human development.
Deploring government's emphasis in capitalist ideals and private sector driven economy, Igbuzor contended that happenings in the developed world have revealed that market forces were incapable of delivering public goods.
Igbuzor, who also identified priorities misplacement by the state as a contributory factor in the nation's stunted development, observed that most state's policies are directed at the rich few at the detriment of the mass poor.
On how NGOs could help ensure development, Igbuzor advocated a three-prong approach.
This include engaging in advocacy efforts aimed at ensuring appropriate leadership strategy and development; working at promoting accountability through mobilization, advocacy campaigns and engagement, and helping to build capacity for leadership and efficient resource management.
In his paper: "Developing a culture of sustainability" Akubo Adegbe sensitized participants on how NGOs could ensure management and financial sustainability, required for effective performance.
He observed that most NGOs in the country lacked the strategic capacity required to achieve sustainability in vision, project execution and continued existence.
Eric Osita Ike, in his paper titled: "Community foundations and grassroots development," stressed the capacity of community base organisations to drive development in the grassroots.
He noted that grassroots development provide opportunities for ordinary/rural people in communities to gain skills and leadership necessary to work together for long term transformative change.
To Ike, grassroots development inspires people and strengthen communities, brings about proper communication/networking; enhanced community based effort; provision of services to transform communities and assist communities in every way possible to achieve positive sustainable change.
Some of the participants, including Mrs. Claudia Long, Coordinator, ECWA Camp Youth Alive and Miss Moturayo Olagbuyi, Project Officer, African Centre for Environment Protection (ACEP) praised the event organiser's initiative.
Mrs. Long said NGOs have made sufficient impact. "They have been able to penetrate the local areas and have made their impacts known. What is left is for them to be assisted to do more."
Miss Olgbuyi said "The problem of growth in this country is not that the government does not know what to do. They have beautiful policies and plans, but the problem is implementation. I believe if the NGOs are given the opportunity and well supported, in the area of funds provision they will do better."
Rate this article
Akala and the looting of patrimony
A few days after losing his reelection bid, Governor Christopher Alao Akala of Oyo State, with his characteristic sardonic humour, enacted a law ostensibly to ... Full story


text:
over 2 years ago
ytzayana the name go by ana! I am engaged to my man :D. simple, but pic can express how and who i really am! follow on tumblr if u want to knw me better !<3
Now available in your language!Use in your language! Go back to English
Sign in with Facebook or Twitter to start your gallery.
Sign in with Facebook Sign in with TwitterDon't have Twitter or Facebook? Skip this step!
Have a We Heart It account?Log in now
© All images are copyrighted by their respective authors.


text:
The NLGS gives buyers and vendors opportunities to meet face-to-face.
The 19th annual National Lawn & Garden Show is set for June 11-13, 2013, in Chicago.
For the past 18 years, the NLGS has designed an exclusive industry buying event, pairing buyers and vendors face-to-face in preset, scheduled appointments, according to a news release from NLGS.
"Our sole mission since 1995 has been to provide an affordable, efficient, alternative to traditional tradeshows, which assures buyer/vendor introductions in preset scheduled appointments," said Bob Mikulas, president and founder.
More than 6,000 face-to-face appointments took place in less than three days between buyers and vendors of the lawn, garden and pet industries during the 2012 event.
Buyers are matched with vendors based on common product interests, resulting in thousands of appointments. Appointments are exclusive and open to qualified decision-making buyers and vendors.
The event is known for bringing in the mid-tier buyers who represent 90 percent of the merchandising opportunities in the US. Historically, NLGS has hosted 14 of the top 20 U.S. lawn and garden retailers annually at the event.
The 2013 NLGS event will be held at the Crowne Plaza O'Hare. For more information and to register, visit www.nlgshow.com.
When it comes to hiring, make sure to focus on the most important part: interviewing.
Josh Lawson has been with the organization since 2007, working in multiple branches.
Greenwise Organic Lawn Care uses a non-traditional approach to its snow removal services.
A new NALP survey shows an additional 240,000 labor positions, all available in the landscape industry.
The wheel loader lineup will now adhere to Final Tier 4 emissions standards.


text:
After dinner, entertainment was provided by Drums of the Pacific, an authentic Polynesian dance and music ensemble. The highlight of the evening was a fire torch dance performed as the finale.
"The luau is one of the most anticipated events of the year," said Deborah Mahrt, lifestyles director for The Buckingham. "This year's event did not disappoint as the evening was truly reminiscent of a night on the island as we were entertained by the Polynesian dancers and dined on authentic Hawaiian dishes. A great evening was had by all."
The Buckingham is Houston's premier life care senior living community located in the Memorial neighborhood. Situated on a 17-acre site along Buffalo Bayou at 8580 Woodway Drive, The Buckingham offers resort-style services and amenities for active, independent seniors, as well as all levels of health care services on-site at The Plaza at The Buckingham. The community features 205 independent living residences; 43 private assisted living apartments; 16 private memory support apartments; and 60 private skilled nursing suites.
The Buckingham is a 501(c)3 not-for-profit senior living community owned by Senior Quality Lifestyles Corporation (SQLC), a Texas-based nonprofit organization that sponsors sister communities Edgemere in Dallas, Querencia at Barton Creek in Austin, The Stayton at Museum Way in Fort Worth, Mirador in Corpus Christi, and The Barrington of Carmel in Indianapolis. For information visit www.buckinghamhouston.com, or call (832) 426-1372.


text:
Amity Shlaes is author of the biography "Coolidge," and she directs the economic growth project at the Bush Presidential Center.
Features by Amity Shlaes
Does cutting taxes really shrink government?
Posted In: Taxes
Calvin Coolidge learned the hard way that cutting taxes doesn't necessarily shrink the size of government.
The problem with Obama's carrots and sticks plan
Posted In: Barack Obama, Jobs
President Obama plans to build much of his election-year policy agenda around carrots and sticks. But commentator Amity Shlaes that plan could backfire.
For 2012, out with the new, in with the old
Posted In: GOP, republican primaries, 2012 election
Voters in Iowa will head to the Republican caucus in a few weeks. On the ballot could be a trend that might define the election.
Don't blame the Fed
Posted In: Federal Reserve
Federal Reserve Chairman Ben Bernanke testified before a congressional committee today about the economy, and what the Fed is doing to promote growth.
The politics of the budget
Frustrated by the annual budget ritual in D.C.? There's a law behind what some consider a maddening process.
Looking to President Coolidge for budgetary perspective
He's the not the first president that comes to mind as an economic pioneer. But Calvin Coolidge is worth a second look.


text:
- 107Promote
Canvas Print
Rusty VWby KitKatDesigns
Fine art print on bright white, fine poly-cotton blend, matte canvas using latest generation Epson archival inks. Individually trimmed and hand stretched museum wrap over 1-1/2" deep wood stretcher bars. Includes wall hanging hardware.
The Original, classic rusted orange VW Camper van. Please note, this image is protected by UK Copyright Law, please do not attempt to copy this image!
Rusty VW, Classic VW Campervan, vw iphone case, vw phone case.


text:
Texans linebacker Connor Barwin tweeted this picture and said that Lin could even shoot free throws from his new bed. Making Connor Barwin my new favorite linebacker.
You may remember last year when Jeremy Lin was first sleeping on his brother's couch and then on Landry Fields'. Well it's good to know that he has options in Houston but with that new contract of his he could make his entire house a couch and still have enough left over to buy all of the Knicks "Lin" jerseys from Mitch Modell before he goes bankrupt.
Did the Rockets over pay for a middle of the way point guard who can only finish with one hand and turns the ball over way more than anybody in his price range should? Sure.
But this is the Rockets we are talking about here. They haven't had much to be excited about since Yao so we'll let them have their moment. Even if that moment was grossly overpaid for.
All Sports News
Delivered to your inbox
You'll also receive Yardbarker's daily Top 10, featuring the best sports stories from around the web. Customize your newsletter to get articles on your favorite sports and teams. And the best part? It's free!
|Best of Yardbarker
|NFL News
|MLB News
Today's Best Stuff
For Bloggers
Join the Yardbarker Network for more promotion, traffic, and money.
Company Info
What is Yardbarker?
Yardbarker is the largest network of sports blogs and pro athlete blogs on the web. This site is the hub of the Yardbarker Network, where our editors and algorithms curate the best sports content from our network and beyond.
|© 2015 Yardbarker, Inc. All rights reserved. Use of this website (including any and all parts and components) constitutes your acceptance of these Terms of Use and Privacy Policy. (What's New?)


text:
On behalf of the Right of Way Bureau and Conference Steering Committee, it is my pleasure to invite you to the 3rd Annual Alabama Department of Transportation (ALDOT) Pre-Construction Conference. This year's conference will be held May 6th through May 8th at the Renaissance Hotel & Spa Convention Center in Montgomery, Alabama.
The Steering Committee is planning an exciting as well as informative agenda for the 3rd Annual Conference from which I am confident all attendees will benefit. Sessions will focus on technical topics targeted for the Pre-Construction professional and practitioner. There will also be a roundtable discussion opportunity to facilitate dialogue among the Region and Central Offices.
We trust that you will find this year's conference to be highly productive and beneficial and that all attendees will walk away with new information that will immediately be useful. The Annual Pre-Construction Conference is a great opportunity for you to network with your peers in the transportation engineering field, allowing you to share and gather knowledge.
For more information about this conference, please check the web site periodically.
We look forward to seeing you in Montgomery.
Steven E. Walker, P.E.
State Right of Way Engineer


text:
Thanks for redeeming.{{else}}
Success! Thanks for repurchasing.{{/if}} {{else}} {{#if Expired}}
Increase my visibility!{{else}} {{#if IsMultiPack}}
{{#if HasMultiPack}} You have {{MultiPackCount}} top spot(s) left. Now loading you into the search listings... {{else}} You have used all top spots. Now loading you into the search listings... {{/if}}{{else}}
We are loading you into the search listing pages...{{/if}} {{/if}} {{/if}} {{/if}}
{{Current}} just saw you!{{/if}} {{#if LastTopSpotPurchaseIsMulti }} {{#if HasAnyTopSpot}}
{{#if HasFreeTopSpot }} {{ UnclaimedTopSpotFree }} Free {{/if}} {{#if HasPaidTopSpot }} {{#if HasFreeTopSpot }} & {{/if}} {{ MultiPackCount }} {{/if}} Top Spot{{#if Plural}}s{{/if}} Left{{else}}
0 Top Spot{{#if Plural}}s{{/if}} Left{{/if}} {{else}} {{#if HasFreeTopSpot }}
{{ UnclaimedTopSpotFree }} Top Spot{{#if Plural}}s{{/if}} Left{{/if}} {{/if}} {{else}} {{#if HasResults}}
{{Current}} see you now!{{else}} {{/if}} {{/if}}
You can now invite anyone to meet at your favorite Starbucks.
Limited-time feature
26 year old man | Missouri City, TX, USA | Seeking women 18-35 within 50 miles
Rumor says, "there's only one chance for a person to be in love"....I Beg To Differ
I'm strong willed, sometimes I care too much, I speak from the heart and which I follow. My ideal match is pretty much the same as me but twice as much. She needs to have a good sense of humor and good sense. I'm a sucker for a smile.
Coffee and conversation , Cooking , Dining out , Movies/Videos , Music and concerts , Exploring new areas , Nightclubs/Dancing , Playing cards , Playing sports , Political interests , Religion/Spiritual , Shopping/Antiques , Travel/Sightseeing , Volunteering , Watching sports
Basketball, Bowling, Football, Running, Swimming
Z{{Cta}} {{#if HasMoreInfo}} ?{{CtaSecondary}} {{/if}}
|What he is looking for
|5'10" (177cms)
|4'0" (121cms) to 6'0" (182cms)
|Body type:
|A few extra pounds
|No preference
|I'll tell you later
|No preference
|I'll tell you later
|No preference
|I'll tell you later
|No Way, Occasionally
|Social Drinker
|Social Drinker
|Labor / Construction
|No preference
|$25,001 to $35,000
|Less Than $25,000, $25,001 to $35,000, $35,001 to $50,000
|Never Married
|Never Married, Widow / Widower, Currently Separated, Divorced
|Have kids:
|Yes, and they live away from home
|Yes, and they sometimes live at home, No, Yes, and they live away from home, Yes, and they live at home
|Wants kids:
|Definitely, Someday
|Black / African descent
|No preference
|Christian / Other
|No preference
|No preference
|Some college
|High school


text:
Thanks for redeeming.{{else}}
Success! Thanks for repurchasing.{{/if}} {{else}} {{#if Expired}}
Increase my visibility!{{else}} {{#if IsMultiPack}}
{{#if HasMultiPack}} You have {{MultiPackCount}} top spot(s) left. Now loading you into the search listings... {{else}} You have used all top spots. Now loading you into the search listings... {{/if}}{{else}}
We are loading you into the search listing pages...{{/if}} {{/if}} {{/if}} {{/if}}
{{Current}} just saw you!{{/if}} {{#if LastTopSpotPurchaseIsMulti }} {{#if HasAnyTopSpot}}
{{#if HasFreeTopSpot }} {{ UnclaimedTopSpotFree }} Free {{/if}} {{#if HasPaidTopSpot }} {{#if HasFreeTopSpot }} & {{/if}} {{ MultiPackCount }} {{/if}} Top Spot{{#if Plural}}s{{/if}} Left{{else}}
0 Top Spot{{#if Plural}}s{{/if}} Left{{/if}} {{else}} {{#if HasFreeTopSpot }}
{{ UnclaimedTopSpotFree }} Top Spot{{#if Plural}}s{{/if}} Left{{/if}} {{/if}} {{else}} {{#if HasResults}}
{{Current}} see you now!{{else}} {{/if}} {{/if}}
You can now invite anyone to meet at your favorite Starbucks.
Limited-time feature
26 year old woman | Dayton, OH, USA | Seeking men 23-33 within 50 miles
I love it when a plan comes together.
I've not tried a dating website before so I thought I'd give it a go. I'm generally a pretty laid back person. I love spending my free time with family and going out on the weekends with friends. Although I enjoy a drink at a bar on the weekends with my girls, I'm not much of the big partying type anymore. I'm somewhat of an aged soul I guess, or I drank too much in college and it no longer appeals to me now that I'm of the legal age to purchase and consume alcoholic beverages =) Making people laugh is something I'm good at and enjoy doing. I tend to have a kind of dry and sarcastic sense of humor, but I love to laugh; I think it's good for the soul. I'm a football fantatic. Ohio state is my one true love, however I'm sure I can make room in my life for someone special =) We can't forget about football Sundays, though with my bengals--WHO DEY.I should go ahead and just put it out there now, I'm a bit on the nerdy side but what would you expect I have a degree in chemistry and if we want to be honestly nerdy, my true passion is medicine-- ask me about it sometime =P I stay fairly busy during the week with work. I'm a research and development chemist for a small local company. I studied chemistry at the University of Dayton and graduated in 2010 and have been working at my current job since. I'm passionate about what I do, in all aspects of my life. I'm looking for a guy with similar interests. I don't think I'll have much of a problem covering the sports area haha (and fair warning I'm competetive as hell even if we're just watching a game on TV and betting on it). I want someone passionate, driven, stable, who knows or atleast has a pretty good idea of what they're looking for, and has a damn sense of humor. I've been known to laugh at my own jokes from time to time but you better laugh too =) I'm honestly just looking to meet new people and maybe even that special someone? *Disclaimer: I do not want to talk to any Michigan Fans, Michigan graduates, Michigan residents, Michigian groupies, etc.... J/k... kind of. lol I mean this is about compatability and I can tell you we won't get a long; I'll never like Michigan or any of its products ie Tom Brady. GO BUCKS.
Book club , Coffee and conversation , Dining out , Movies/Videos , Music and concerts , Shopping/Antiques , Watching sports
Aerobics, Bowling, Dancing, Football, Swimming, VolleyBall, Yoga
I exercise 1-2 times per week.
I have Cats, Dogs, Fish
Middle of the Road
University of Dayton, Dayton, OH
The fifty shades of grey trilogy. Is there a Christian Grey in the house? Haha just kidding.. Maybe.
Z{{Cta}} {{#if HasMoreInfo}} ?{{CtaSecondary}} {{/if}}
|What she is looking for
|5'9" (175cms)
|5'8" (172cms) to 6'11" (210cms)
|Body type:
|Slender, About average, Athletic and toned, A few extra pounds, Stocky
|Black, Blue, Brown, Grey, Green, Hazel
|Dark brown
|Black, Light brown, Dark brown, Blonde, Dark blonde
|No Way, Occasionally, Daily, Yes, but trying to quit
|Social Drinker
|Never, Social Drinker, Moderately
|Technical / Science / Computers / Engineering
|No preference
Analytical/ Reasearch & Development Chemist
|I'll tell you later
|No preference
|Never Married
|Never Married, Divorced
|Have kids:
|No preference
|Wants kids:
|Black / African descent, White / Caucasian
|No preference
|Christian / Other
|No preference
|Bachelors degree
|Some college, Associates degree, Bachelors degree, Graduate degree, PhD / Post Doctoral


text:
Many Families that we serve are curious about planning ahead for their own funeral and/or cremation needs. We strongly encourage you to talk with us and discuss the different options that are available to you.
At Walley-Mills-Zimmerman Funeral Home, we feel that informed families make better decisions. As a locally owned funeral home and crematory we are commtited to discussing our services with you in as much detail as you choose with no pressure and no commitment.
It is a very loving and considerate gift for your family
William Zimmerman
Make Immediate Arrangements
Making the many decisions which come at a time of loss is difficult. With our online Arrangements, you can select the arrangements which are best for your preferences and budget.


text:
Freak out friends and family when you wear this Fade In & Out Phantom child costume. The black robe comes complete with gloves, a belt, a hood and glasses with light-up eyes feature. The whole neighborhood will be terrified!
Lurk in the sky and in the shadows when you wear thisUnknown Phantom teen costume. The purple and black, 100% knit polyester hooded robe features an invisible face mask and comes complete with a matching belt.
Sweep her off her feet in this handsome and sexy Mysterious Phantom adult mens costume. You'll be a romantic figure in this black scroll vest, matching cape, bow tie, and of course a radiant red rose. Will you find true love and a happy ending? Step out from the shadows and make a little magic…
You won't know the feller in this Blank Male Mask from Adam. Think of the scary possibilities when you're just a face in the crowd in this plastic costume mask. Pair with the Black Hooded Cape for a John Doe who is soon to be Public Enemy # 1 -- sold separately.
The 60" Fogging Phantom Reaper is compatible with most foggers, allowing you to create a super creepy atmosphere for your haunted house this Halloween. This static prop features an open mouth skeleton with a grey and black, tattered, hooded garment.
Freak out the neighborhood when you wear this Unknown Phantom child costume. The black and purple robe of this phantom costume comes complete with a hood and invisible face mask along with a matching belt.
You are a force of true evil in this child's midnight-black Unknown Phantom costume. Steal through the darkest night to strike down the weakest creatures of the species and take them as your prey. This scary costume lets you create mayhem and madness - be as bad as you want!
Stand out in a crowd when you wear the spooky Fade In and Out Phantom adult costume. No matter how dark and scary the venue, your glowing red eyes will see and be seen. scare up some frightful fun in this unusual costume.
The Phantom Grave Breaker's glowing, red eyes will keep unwanted visitors from trespassing on your lawn. Hang this cloaked phantom from your porch or tree and watch how his bright eyes scare off everyone in sight.