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Browse Reviews :: Max On Life
Max On Life Answers and Inspiration for Today's Questions
By Max Lucado
Published by Thomas Nelson
Average Blogger Rating:
All Reviews
On 12/2 Martin R. Oakley wrote: While it has been a few weeks since I finished this book, I wanted some time to digest what it contained before writing my review. Max Lucado is a well known author and speaker, and very entertaining........usually. In Max on Life he's billed to answer some of the difficult life questions. In my opinion ... Max on Life (Max Lucado): A review
On 12/2 LyonsLady wrote: It is such a blessing to be able to read...we all take such advantage to realize how blessed we are! When I received this book written by Max Lucado, "Max on Life:Answers and Insights to Your Most Important Questions",free from www.booksneeze.com just to review it!!!As far as I know, which is a Blessing...Max ... Max on Life
On 11/30 Travis Goodspeed wrote: I received "Max on Life: Answers and Insights to Your Most Important Questions" by Max Lucado free from Thomas Nelson's book review blogger program through booksneeze.com and I was pleasantly surprised.This is the very first book by Max Lucado. I've heard a lot about Max, and he has a good reputation ... Max On Life
On 11/29 accolon wrote: Max Lucado's work Max on Life is a delicate stroll through the plethora of questions asked of any pastor since the dawn of the church. Questions on how to live in response to a certain problem or issue and how to see God in light of certain circumstances are a prevailing notion that is brought about ... Max Lucado's "Max on Life"
On 11/28 Pam Jarrell wrote: Max takes on answering the big questions about Life' Faith he also touches on money and raising kids.This book is also broken down in to seven sections called Hope, Hurt, Help,Him Her, Home,Have and the Have nots and the Here After. this book also has a topical index, and also a scriptural index that ... Max On Life by Max Lucado
On 11/27 'Yomi 'Segun Stephen wrote: Max Lucado?s book, Max On Life, deals with life?s questions and seeks to provide biblical answers to them. According to the author, a lot of the questions in this book came from the church he attends... Good Read
On 11/25 Suzie Waltner wrote: Max on Life is a great resource for everyone, Christians who have questions or have friends and acquaintances with questions and non-Christians who have doubts, concerns and questions of their own. Using the questions he has received over the course of his ministry, Max Lucado's compilation of these ... Max Lucado on Some of Life's Tough Questions
On 11/23 Chris Kidd wrote: I love reading inspiring books by John Maxwell so I jumped at the opportunity of laying my hands on his Max On Life – Answers and Inspiration for Today's Questions as part of the Thomas Nelson BookSneeze blogger programme. In more than twenty-five years of writing and ministry, Max Lucado has been ... Books I have read: Max On Life: Answers and Inspiration for Today's Questions
On 11/6 Mary Clewley wrote: Max on Life By Max Lucado This was a really good book in that Max Lucado answered many questions that new Christians may have about marriage issues, finances, church, death, heaven and hell. The book contains 172 questions and Max Lucado answers each question with a one-page answer. It took me several ... Max on Life
On 11/1 Catheryn Chuah wrote: Straightforward, relevant, real and most (not all) of the remarks was concluded with a Bible verse readers can use as reference. A compilation of real and day-to-day questions from readers and accompanied by Max's personal opinions and experiences. Addressing issues about families, parenting, Christianity, ... Max On Life - MUST HAVE BOOK

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Edition: 3rd
Author(s): Lilienfeld, Scott O.; Lynn, Steven; Namy, Laura L.; Woolf, Nancy
ISBN: 9780205961184 / Paperback / 6/26/2013
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GMC raising money for footbridgeFebruary 04,2013
GMC raises cash
for a footbridge
WATERBURY CENTER The Green Mountain Club has announced a $50,000 challenge match donation for the planned Long Trail footbridge over the Winooski River.
The club has already raised more than $550,000 from private donors to support the project. This, in addition to the longstanding support of and land protection efforts by the state, has brought the club to within $115,000 of its fundraising goal.
An anonymous donor has offered to match every donation to the project between now and the end of August, up to $50,000.
GMC officials said the club has sought to establish a safe, appropriate and permanent route for the Long Trail over the Winooski River in Bolton since 1912, when the club established the first stretch of the trail from Mount Mansfield to the river.
The club expects to break ground on this project by June and complete it in the fall.MORE IN Central Vermont
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"Cartagena, Colombia" Cartagena by zinnmann
Cartagena Travel Guide: 7 reviews and 18 photos
Cartagena de Indias in Columbia takes its name to distinguish it from Cartagena in Spain.
The visitor will see the "new city"," the old city", and the beach, which are contiguous and contain the architecture, history, nightlife, and recreation . You need a week to visit this beautiful city because there is so much to see. Cartagena has a great tourist industry which will meet the need of every traveler, and from my experience, the central locations of this city are as safe for the tourist as any in the world.. I walked through the new and old city and met only friendly people.
The "Old City", the colonial part of Cartagena built by the Spaniards, is known for its romantic charm and is visited by couples from around the world.
A corner of Plaza Bolivar in the Old City.
- Pros:A beautiful city with friendly people.
- Cons:There are many vendors on the street who sell everything including pencils. One spends a lot of time declining to buy the many things offered.
- In a nutshell:This city is a travel bargain, interesting,beautiful, and inexpensive.
Reviews (2)
The food at the Decameron Hotel was wholesome and abundant . This hotel is "all inclusive" which means the meals are... more travel advice
In Cartagena :'"The New City", "The Old City", and the beach area are all contiguous..All of the taxis trips that we... more travel advice
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text: Posted November 21, 2012 Ah, dysfunctional families FTW. :) Through the years have done the her folks, my folks, then friends Turkey thing. This year it's boiled down to our house, the wife, daughter, my mom and a big ol.Turkey, Prime Rib on the roissierre, taters, stuffing, etc etc. Lots of beer and football and no one should fug with me all day. I just gotta get the Prime Rib grilled just right. I hope. 2 people like this Share this post Link to post Share on other sites


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Our editorial team covers daily news but also conducts original, independent reporting on regulatory documents, data, interviews, and other sources. This leads to news stories that routinely scoop our competitors.
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The Wire Report is owned by Hill Times Publishing Inc., which in late 2009 acquired the news service's four historic titles, Canadian New Media (digital media), Network Letter (telecom), Canadian Communications Reports (broadcasting) and Report on Wireless (wireless).
Hill Times Publishing is an independent publishing company in Ottawa, Ont., which specializes in niche news services. The company also publishes The Hill Times, Embassy, Parliament Now and The Lobby Monitor.
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Medford Church, Westminster Presbyterian Church. Westminster is a Christ-centered church, committed to follow the Lord Jesus in His love for the world
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Check out http://medfordneighborhoodchurch.org! Come Grow With Us - Come visit your Medford Neighborhood Church
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Bethel Church is a contemporary, Spirit-filled church in Medford, Oregon
Bethel Church
We believe that all are called by God into ministry, sharing the Good News of Jesus Christ through our unique and individual gifts We welcome members by Confession of Faith and Baptism or by Transfer of Members…
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Today, over 350 years later, it is still our goal and purpose to live in a growing personal relationship with God through faith in Jesus Christ
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urn:lsid:ibm.com:blogs:entries-1a43336b-9402-4e06-82a7-48a81bd835f8 IBM Business Partner Blog - Tags - speciality News and Insights for the IBM Business Partner Community. We welcome Business Partners to contribute to the blog and you can contact firstname.lastname@example.com or email@example.com for details 1 2016-05-16T13:38:04-04:00 IBM Connections - Blogs urn:lsid:ibm.com:blogs:entry-ea0782bf-2160-4eef-8eda-8db639023913 IBM Announces New Cloud Computing Speciality for Business Partners Jacqi Levy email@example.com 270003E0DF active Comment Entries application/atom+xml;type=entry Likes 2011-02-15T12:37:38-05:00 2011-02-15T12:37:38-05:00

The IBM PartnerWorld Leadership Conference is in full swing today in sunny Orlando, Florida. The conference is a unique event that brings together Business Partners and IBM leadership in order to share strategies for delivering innovation and value for our clients, strengthening our ecosystem and transforming our businesses for growth and profitability. It is also the place where IBM announces it's prestigious Beacon Awards, which recognize the best solutions from IBM Business Partners around the world.

Today's theme was Transformation in the Decade of Smart, and the day featured appearances by some of the top IBM leadership, including Sam Palmisano, Rich Hume, Steve Mills, Rod Atkins and Robert LeBlanc. One of the hottest conversation topics was cloud computing -- not at all surprising, since a recent forecast by Gartner predicted that the worldwide cloud market opportunity, which was $68 billion last year, will more than double in the next four years to around $150 billion.

 In keeping with this key opportunity and based on the feedback from IBM Business Partners, IBM made two important announcements today around cloud computing, including a new IBM Cloud Computing Specialty umbrella program open to all types of IBM partners, and a new Software Value Plus Cloud Computing Authorization, specifically designed for resellers of IBM software. From what I understand, IBM Business Partners played an essential role in defining these programs, as well as their benefits, including opportunities to network with each other and get closer to IBM and to our cloud strategy.

The first announcement, the IBM Cloud Computing Specialty, is a single program that will create the IT industry's broadest ecosystem of companies working to provide a comprehensive set of cloud computing services and offerings for clients of all sizes and industries. It provides all IBM Business Partners with support for their growth through cloud and helps them work closely with IBM to achieve that growth.

The IBM Cloud Computing Specialty will support five paths or company types for IBM Business Partners that demonstrate proven expertise and customer success in cloud computing:

Cloud Application Providers: deliver business applications via a subscription model through the cloud, such as Software as a Service

Cloud Builders: design, build and manage clients' cloud needs, typically integrating with the existing infrastructure and public, private and hybrid clouds

Cloud Infrastructure Providers: provide a public cloud infrastructure or Platform as a Service on which application providers and companies can host their offerings

Cloud Services Solution Providers: resell multiple public cloud services and offer complementary services, such as training and integration

Cloud Technology Providers: Provide tools, services and technologies -- such as cloud management, bill metering and monitoring -- that help clients use the cloud more effectively

Qualified IBM Business Partners that demonstrate proven skills and market success will have access to a wide range of IBM cloud computing sales and marketing enablement resources to help them build, market and sell cloud computing solutions. Other benefits include:

Use of the IBM Cloud Computing Specialty "mark" to help raise the visibility and credibility of expert cloud capabilities

An assigned IBM relationship manager to provide day-to-day support

Expanded use of LotusLive, enabling partners to more fully demonstrate how their offerings use IBM cloud technologies

Networking opportunities within the cloud specialty ecosystem, including invitations to IBM Cloud Computing Specialty receptions at IBM and industry conferences

And more! (Click here for a full list)

While the IBM Cloud Computing Specialty focuses on top cloud partners of all types, the Cloud Computing Authorization is an extension of the IBM Software Value Plus program for IBM's software partners that have built and demonstrated specialty skills, and then receive financial incentives as resellers of IBM's software portfolio. IBM Business Partners that meet the program requirements, for example, passing two cloud computing certification tests, providing a cloud offering that includes multiple IBM technologies, and demonstrating successful client implementations, are able to sell a broad range of cloud computing offerings. They are then eligible for benefits such as:

 Up to 15% in additional financial incentives through the Software Value Incentive program

Use of the IBM Cloud Computing Authorization "mark" to help raise the visibility and credibility of expert cloud capabilities

Priority cloud computing lead pass consideration

Opportunities to attend joint planning meetings with IBM sales teams

IBM expects to see significant growth in cloud opportunities in 2011. For more information on how IBM Business Partners can seize the cloud computing opportunity, join IBM for a webcast on February 24, 2011 at 11:00 a.m. EST or 10:00 p.m. EST or connect with the IBM Cloud Computing community.

 The IBM PartnerWorld Leadership Conference is in full swing today in sunny Orlando, Florida. The conference is a unique event that brings together Business Partners and IBM leadership in order to share strategies for delivering innovation and value for our... 1 1 4142 urn:lsid:ibm.com:blogs:entries-1a43336b-9402-4e06-82a7-48a81bd835f8 IBM Business Partner Blog 2016-05-16T13:38:04-04:00


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The Province front page: Tuesday April 21, 2015
Here's your clickable front page for Tuesday April 21, 2015, courtesy of the graphics team at The Province. To read a story, just click on the circle symbol over the image or headline below.… Continue reading
Letters: Marijuana, oil spill, activists, Surrey crime, sentencing, Bill C-51, rats, voters
Times sure have changed when it comes to marijuana One evening in August 1971, my husband and I took a leisurely trip to Gastown. There had been rumours of a "smoke in" by pot users but we didn't take it … Continue reading
How to rodent-proof your home: 5 tips from a B.C. pest expert
Rats can become a problem in late summer and early fall, when food sources are everywhere and they start to think about looking for a warm house to shack up in for the winter. The Province's Nick Eagland got these … Continue reading
Ghost ship crewed by cannibal rats floating across North Atlantic
It sounds like a collaboration between James Cameron and Stephen King, but an abandoned cruise ship populated only by cannibal rats has drifted across the North Atlantic from Canada and may make landfall in Ireland, Scotland or the southern tip … Continue reading
Letters: Climate change, Neil Young, extremists, Gordzilla, garbage, rats, bad dogs
We must remain practical Thank you for Tuesday's editorial on climate extremists. It's high time for a true scientific debate to replace the overwhelming political stands. The ocean has been rising at seven inches per century and temperatures are stable … Continue reading
Gordzilla in the City: Until we no longer produce trash, it needs to be picked up
Happy New Year everyone and let me add, for those of you who live in Vancouver, that I hope this isn't the year you get bubonic plague — or any other pestilence that might embed itself into your weak flesh.… Continue reading
Letters: Margo Fowler, duct tape, discipline, Abbotsford homeless, Jesus, rats, Vision, viaducts
No common sense? I have to say that after reading the article about the students and the duct tape, I was shaking my head. Has common sense gone out the window? This teacher, Margo Fowler, was being creative in … Continue reading
Letters: Liberal insiders, pay hikes, Christy Clark, rats, bike share, teen booze, riots, animal rights, senators
They don't care about us Re: Editorial on Liberal staff pay raises. "Absolutely disgusting" says it all. Unfortunately, this action may be a scary predictor of the future, as in "I'm all right Jack, so to hell with you!"… Continue reading


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Creating Videos Can Lead Students to Many Academic Benefits
Morgan, Hani, Childhood Education
Assigning students projects involving video production can lead to many positive academic outcomes, and today more opportunities exist for educators to incorporate such video-oriented projects into their classroom practice. Video-making technology is more affordable, more user-friendly, and more powerful than ever before. Furthermore, many students have cell phones, cameras, and other handheld devices that have video-recording capabilities, thus making these types of projects more feasible for teachers to implement.
Although relatively little research has been done on the academic outcomes of video production for children (Norton & Hathaway, 2010), Siegle (2009) argues that educators would be remiss by not implementing these types of projects because young people are not only surrounded by visual images but also naturally attracted to viewing and producing videos. Unfortunately, teachers sometimes still face impediments when attempting to implement video projects with their students. This article discusses how student-created video projects can enhance motivation, multimodal literacy, problem-solving skills, and content knowledge. Readers will also find examples of video-making activities teachers can implement for students--ranging from primary school to middle school--and a discussion of some obstacles instructors can encounter when attempting to use these kinds of projects.
One of the most important aspects of video-making projects involves the power videos have in engaging and motivating students. Students tend to enjoy viewing videos and seem to be viewing them more often. Nielsen (2009) notes that each year teens are viewing online videos at an increasing rate. Additionally, Spires, Hervey, Morris, and Stelpflug (2012) indicate that a growing number of youth use video to communicate and express themselves.
By providing projects that match this trend, educators can use video production as a method to tap into pupils' interests and thus engage students to learn across the curriculum (Spires et al., 2012). Siegle (2009) contends that in addition to being a great motivator for all students, video also can allow some students to learn a concept more clearly.
Participating in video-based projects will encourage students to develop multimodal literacy. This form of literacy has been defined as the ability to use various representational formats, including visual, spatial, audio, and linguistic modes, to make meaning (Spires et al., 2012). Norton and Hathaway (2010) mention that although definitions of media literacy vary in the research literature, the term generally refers to the ability to access, learn, analyze, communicate, and evaluate using a variety of formats.
The technology boom over the past 20 years has led to a new demand for educators to teach students in a manner allowing them to function well with multimodal media. Notable literacy organizations, such as the International Reading Association (IRA) and the National Council of Teachers of English (NCTE) (1996), have added standards emphasizing the need for teachers to use nonprint media, including video, and more organizations will likely add similar standards in the near future.
In addition to promoting the development of multimodal literacy skills, the process of creating videos has potential to lead to many more academic benefits. Students often learn about a topic as they create their own video and can use the video to demonstrate what they learned (Siegle, 2009). The Poway Unified School District (2008), for example, reports that students in the 1st grade at Highland Ranch Elementary School won an award for a movie pupils created that benefited the children academically. The purpose of the movie was to teach others about the strategies good readers use. Mrs. Payne, the teacher for this project, noticed that when her students made the movie, they became more aware of the strategies good readers use and apply when reading new content. …


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Skip to comments.Texas high school's $60 million stadium has 'extensive cracking'
Posted on 02/28/2014 8:57:00 PM PST by Wolfie
Texas high school's $60 million stadium has 'extensive cracking'
In the Dallas suburb of Allen, the local high school made national headlines in 2012 when it unveiled its $60 million football stadium.
But less than two years later, there's a major problem.
Allen Independent School District officials announced at a news conference on Thursday that the stadium has "extensive cracking" in the concourse and will close for repairs.
(Excerpt) Read more at msn.foxsports.com ...
First of all ... a HS with a 60 mil. stadium???????? I understand that this in Texas, but 60 mil?
It should crack.
So with the usury on the bonds-— which were certainly sold to giant Northeastern investment houses and banks, not to anyone locally-—the stadium cost @ $120 million.
3 years of extreme drought and high summer temperature has not helped this.
There may have been some issues with construction, but the extreme dry conditions may be the biggest cause.
Built with illegal labor?
Follow the money. Betcha the contractor was a buddy of whoever doled out the contract to build it, and I'll also bet THAT bid was not the lowest one.
So, were did the money come from?
Texas has some incredible highschool stadiums
Amazing really
I see the one in Rockwall a fair amount..
And Plano.... east...I think...amazing
Yeah, they kept the cost down by skimping on the luxury sky boxes.
ROFLMAO!! Good response.
The unions wouldn't have allowed that.
That was my first thought. They are notorious in Cali for their piss poor construction.
Because a sign saying "Screw you, taxpayer!" is not enough for the school districts. These stadiums drive the point home like no middle finger ever could.
Completely misplaced priorities:
Almost NO high-school in Japan has grass AT ALL on their baseball field.
Tennis courts there are commonly made of DIRT.
Japanese kids are good with computers, right? So commonly they have computers at school for the kids, right?
I live here and we will be paying the bond off for the next 30 years. It was part of a bond issue about five years ago. It was a $110 million dollar bond for 'School Improvement'. The actual cost of the stadium was hidden in that total.
I voted against it. It was too expensive. The bond passed somewhere around 75%. A lot of people are very disappointed.
The good news is that the builder has a good reputation and they are willing to work with Allen ISD to fix the issues. I hope they stand by their commitment and fix it. It's a really nice stadium, but I think they spent way too much money building it.
Especially for a HS. If it were a college that generated money , but a HS?
The cracks are quite large for it to be just normal shrinkage of the concrete. Probably a design problem or construction/inspection problem. Maybe somebody didn't read the soils report.
" a HS with a 60 mil. stadium???????? I understand that this in Texas, but 60 mil?"
It is called insane stupidity.
No wonder, American pubic (sic) schools are such a failure.
They put down a a $1 million dollar atificial field here in Kerrville at Antler Stadium. I'd rather they just bought huge tracts of land and put in a shooting range - golf course AND Football Field.
When I moved to a small Central Texas city in the early 80s I drove past a huge football stadium. I asked the guys at work what college was there in town. I was informed it was the high school stadium. And it's one of the smaller ones.
I see cracking concrete pretty often on new pours..
I'm told that there is usually a explanation, mostly to do with weather at the time of the pour, and sometimes design issues because of a missing expansion joint or two...occassionaly a bad mix..
This part of Texas takes their highschool football very seriously, so the contractors insurance and the cities insurance will probably foot a large part of the bill. They are not going to be very happy about it..
Cracks probably started early on.....
The folks in the city of Katy, Texas voted down a $70 million dollar stadium last year.
There's an old saying about concrete. Three things will happen.
1) It'll harden.
2) It'll turn gray.
3) It'll crack.
My guess is they were to crooked/cheap to actually pay for any QC testing.
The taxpayers better hope the school district contracted for project management and that the school district did not take on that role itself.
property taxes I expect
The taxpayers better hope the school district contracted for project management and that the school district did not take on that role itself.
= = = = = = = = = = = = = = =
We all know that Government Agencies are 'smarter' than us peons and the 10% (or whatever) they saved they allocated as bonuses for themselves for being so smart.
Coincidence(?) another thread near this one is about a Crack in a Dam....
Now THEY could be in for some big time problems...
government never "saves" anything
The cracks were noticed almost as soon as the stadium opened and have been getting larger (some reported to be 3/4 inch).
They also mention other potential problems with the structure.
I suspect the extreme drought and high temps.
On a lot of commercial pours they float them in water to retard the cure time. Keep it flooded for a few weeks makes a huge difference in cure strength.
It has been 120+ years since we have had a drought like the one we are just coming out of. The last time was in 1895. My ancestors were here then. This one may be worse than then. Pretty bad.
"It is called insane stupidity. No wonder, American pubic (sic) schools are such a failure."
Disgusting - he says "American 'pubic' schools". How much longer, Lord, do we have to put up with this constant bashing of our country from a man who left years ago? He has just gravely insulted every public school in this country with a disgusting word, then labels them all as being a failure - I am sick and tired of this man trashing our country.
If there is a government liberal "plant" on FR to trash our life in this country, then no better one could be found than this man.
Every single day he insults us and this country. Is there no end to this? Does he have a life time guarantee of saying any hatred thing he wants about us and this country? He hates this country and said if the Philippines became a state of the US, he would leave there. Total rejection of this country - I say he is a troll here to destroy and he has no redeeming value.
My father oversaw the construction of the local gymnasium. They flooded the pour for several weeks covered with plastic to cure the concrete. It has lasted well.
It is pretty sandy here, but a few miles away there is expanding clay soil. That is a challenge to pour concrete and have no cracking. Wet to dry expansion and contraction is incredible in it.
If they had gone with the best construction company there'd be no problem.
But they likely went with Soprano and son, inc.
I agree... This stadium is bigger than most Community Collage or most College stadiums that I have seen.
One thing I have noted about Texas is that we are generally anti-tax. However, when it comes to football, Texans will open their pockets and say, "How much more, sir!"
The City of Allen is running the stadium and it is expected to generate revenue. Keep in mind that the city government is a separate entity from the school district. The city has scheduled concerts and has hosted other events, including HS championship games. That does generate revenue. The stadium is expected to be closed, at least through June. That is a huge hit on the revenue.
Follow the money. Betcha the contractor was a buddy of whoever doled out the contract to build it, and Ill also bet THAT bid was not the lowest one.
The contractor has a long and successful history with the city of Allen. The same firm built many of the new public schools there over many years and there have been no major problems with those structures.
government never saves anything
= = = = = = = = = = =
reread ... I said what they saved they gave to themselves, meaning what they may not have paid a Construction Mgr went to themselves as bonuses....
I wasn't very clear was I....Usually ' ' something when I am being facetious.
Found myself arguing w a cousin. She said her mother was down in NJ suffering the cosqnsez of a pipe freeze in the attic. I screeched when was that built?
She said that with global warming of course they were built like that. She said there'd never been weather like this it is the melting if the polar ice cap and the polar vooooortex!
I said, well, our house was built in 1909 (which it was), and, 100 yes back from the bay to the LI Sound, was built for hurricane specs. That it had confirmed the 1938 unnamed hurricane , a cat 3 or 4
And the 1976 cat 1
I reminded her of the car fiasco in the snow three families after a Christmas party snow falling silently pre weather channel, everyone getting stuck. Auntie not failing, uncle, not as patient
Three years ? No
Three years? Hmm. No
The first huge Texas H.S. football stadium I saw was in the Midland/Odessa area... I couldn't believe it... It rivaled college stadiums.
Flame me if you consider this as Southern-bashing, but $60 million for a high school football stadium is simply obscene, possibly the worst example of misplaced priorities I have ever heard OF.
Betting on Chinese concrete as the culprit.
ping to my post 35.
The ones you attended obviously were failures.
Solar powered washing machine? Who needs that? I have the best washing machine in the world. It is called wife.
It is quite efficient, working day and night, with or without any external power.
As to the patriots in the pound I think we are participating in something akin to watching a graffiti artist sneak around painting obscenities on the wall and then sitting back and getting his jollies watching us react.
As long as Jim Robinson allows it there's not much we can do. Except to try to clean up the excrement left behind by "AlexW".
BTW, some of you guys make me real proud to me here in the U.S. I have my down days about the future but you all bring me back and lift me up out of the doldrums of the bad time we are going through.
Woof! Woof!
Three Year Drought?
But it is beginning to improve.
This has happened before. It is related to the activity on the Sun. Correlates with sunspot patterns. Long long ago the last time.
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.


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Articles for May 2016
Excerpt from "Everything and a Happy Ending"
by Tia Shurina
September 2010 I decided to accompany my friend Kathleen on a road trip to Buffalo, to attend her brother's college football game. They were playing a long way from their home turf in Florida, and Kathleen didn't get to see her brother George of...
Excerpt from "Eyes Wide Open: Buddhist Instructions on Merging Body and Vision"
by Will Johnson
at all times we must work to keep it polished and not let any dust collect When we first sit down to meditate, we're often instructed to close our eyes, to shut out the world outside ourselves over which we so incessantly obsess, and focus inste...
Excerpt from "Love Never Dies: From Heaven My Sister Speaks"
by Angela Dawn
I began to meditate daily, first thing in the morning. It became a wonderful obsession. The more I meditated the easier it became. I found I could meditate up to two hours a day! The lawn mowers, leaf blowers, cars passing by, even the phone ringing ...
Excerpt from "The Aromatherapy Garden"
by Kathi Keville
Long before there were essential oils to purchase, people made aromatic body, hair, and anointing oils from their gardens, using favorite fragrant plants such as sweet basil, gardenia, jasmine, and spikenard. To create soothing and fragrant body oils...
Excerpt from "The Missing Element"
by Debra Silverman
In this excerpt from her book THE MISSING ELEMENT: Inspiring Compassion for the Human Condition, author Debra Silverman explains what she is asking of the reader as they embark on a journey of self-discovery and growth.Your Elemental MissionI want to...
Excerpt from "Trance Journeys of the Hunter-Gatherers"
by Nicholas E. Brink, Ph.D.
When you start experimenting with ecstatic postures, one early experience is to find a spirit guide that in some way leads you to new discoveries about yourself. Hunters-gatherers, ancient and contemporary, see the world as full of spirits--spirits o...
Ask the Astrology Guy
by Reverend Jeff Pica
Dear Astrology guy, I don't know if I have a Yod aspect in my chart but I have read many books and websites about astrology and I seem to be convinced that I have one. I came to your website and think that you can help me to answer my conc...
Astrological Forecast for May & June 2016
by Armand M. Diaz, Ph.D.
Spring is typically a time of moving forward. Like the crocuses (and onion grass) that push their way through the earth at this time of year, we feel a resurgence of energy as the sun, Venus, and Mercury move through the beginning of th...
Mars & Mercury Retrograde: Your Values & Priorities Shift This Spring
by Mark Dodich
Have the activities and people that used to hold your attention lost their luster? Do you have that feeling that something is waiting for you just around the bend, but you can't quite see it yet?Well, the spring season brings a less common Mars retro...
The Days of May 2016
by Elissa Heyman
There are an unusual number of planets retrograde this month, giving us all the opportunity to identify and get on track with what's really important to us, and what's really important to do to support our stability.What a Monday morning Monday May 9...
Your Horoscope for May & June 2016
by Elizabeth Joyce
Aries (3/21-4/20)Although you like activity and fireworks, Aries, May brings a quiet time. You need to watch your personal finances and other money matters this month. You could need to get your financial paperwork together to make a large purchase o...
Ask Your Pet
by Jennifer Dickman
Dear Jennifer,My son and I were forced to relocate due to illness. We had to find a new home for my son's cat, Pride, with a female friend. I'd like to know from Pride: Are you getting enough attention? Is there anything bothering you in your body? W...
by Roddy Scheer and Doug Moss
EarthTalk®From the Editors of E - The Environmental MagazineDear Earthtalk: What ever happened to the radical environmental group Earth First!? Are they still around and what other groups are leading the charge when it comes to so-called "radica...
The Magic of Rain Dances
by Jill Mattson
All over the globe for thousands of years, ancient people performed rain dances. With no successes this practice would die out. Apparently it worked. I was curious - what is it about the rain dance, the singing and dancing that helps it to rain? Musi...
Totems: Octopus, Part 1
by Cie Simurro, a.k.a. Thunderbird Starwoman
There is a similarity between the way I propel myself through the water and Time. I can aim my funnel, which siphons water through it, in any direction to propel myself forward, backwards or sideways. Outside of your 3-dimensional world, time is like...
6 Signs You Need to Detox
by Dr. Sarah Cimperman, ND
As our awareness of environmental toxins and their impact on our health continues to grow, detox products and protocols are becoming increasingly popular, from fasting and raw food diets to foot baths and body wraps. These things may be good for us—o...
Conquering Spring Allergies
by Randi Ragan
The biggest spring-allergy trigger is pollen—tiny grains released into the air by trees, grasses, and weeds for the purpose of fertilizing other plants. When pollen grains get into the nose of someone who's allergic, they send the immune system into ...
Elementary Deficiencies: Trace Minerals & Missing Materials
by Michael Cheikin, MD
Elements are the building blocks of matter, and therefore life. Certain elements that are essential for life are needed in trace amounts, as little as one-millionth the weight of required protein, fat, carbohydrates, water or carbon. Without th...
Hand Analysis: An Ancient Art Validated By New Science
by Erin Rose
Did you know that the length of your fingers can predict scholastic ability, social behavior, and sexual orientation? Would you believe that an analysis of your palms can diagnose a medical condition, and even estimate the length of your life? If thi...
Your Cells Are Listening: How Talking To Your Body Helps You Heal
by Therese Wade
"Every part of your body has its own consciousness or its own soul." These transformative words, spoken by indigenous medicine women, began my journey within to discover the extraordinary healing capacity of the human body. When this perspective...
From the Heart: The Pharaoh Chewed Juicy Fruit
by Alan Cohen
While visiting Egypt, a member our tour group named Gloria found an unusual stone at the base of a sacred pyramid. The pink, round stone glowed with a mystical light, and as she held it in her hand she could feel a special energy about it. She wonder...
Joy Hacking and the Future of Happiness
by Jonathan Robinson
I popped the pink pill into my mouth and waited for the expected feelings of ecstasy. No, the pill wasn't the drug XTC, but rather a legal and safe alternative. Then I put on my trans-cranial stimulation device, known as "The Thync," and waited...
Scrub Away the Emotional Clutter of Toxic Anger
by Donald Altman
Has toxic anger ever caused a problem for you or your family? No one is immune to this response — which is very much based on the survival response. Don't be too hard on yourself because it can occur anytime we perceive a threat, especially one to th...
Completing Evolution: Interactions Between Student, Teacher & Path
by Dr. Stewart Bitkoff
IntroductionIn order to affect a great work, there must be the combining of factors or a confluence of essences. For the spiritual traveler to reach completion, and assume an active role in their own higher destiny and the higher destiny of the unive...
Expectation & Emotion
by Dr. Stewart Bitkoff
If you could get ridOf yourself just once,The secret of secretsWould open to you.The face of the unknown, Hidden beyond the universeWould appear on theMirror of your perception.-RumiEach spiritual traveler is born into a world of expectation. Da...
Meditate On
by Eve Wilson
Here is a minor shift in focus that can make a big shift in your life. You can think, worry, fret and procrastinate about choices, big and small; but for less stress and greater success -- meditate on it!This type of meditation doesn't have to ...
Mother Nature's Diligence, Making Way for the New Age: Indigo, Crystal and Rainbow Children
by Paola Collazos
The reality is simple, most humans will not care about an issue until it becomes personal for them. Has nature's ingenuity been hard at work since the 1970's, diligently "making it personal," in order to make people see a new reality? Has she, ...
Teachings of The Brotherhood of Light Workers: Serenity
by Judi Thomases
The following segment has been received, word for word through a psychic process known as channeling. It is an invited procedure. The teachings always serve to guide us through the journey of life. It is in times of great crisis, when th...
The Magical World of Numbers: May... Number Five... Taking Off Nature's Spandex
by Elizabeth Summers
As we move into the fifth month of our calendar year, all of Nature seems to be taking off its "spandex" and bursting into the joy of freedom. The Number Five exudes this very energy.To hold life loosely, to patiently allow life to unfold and t...
Waking Up in 5D
by Maureen St. Germain
Time to Create Heaven on EarthHave you wondered what you are supposed to be doing on this planet? Have you wondered why there is so much difficulty and violence? If you are reading this, you've probably come to the earth to be part of the solution. B...
Awaken Your Inner Medical Intuitive
by Sue Singleton
After performing well over 8,000 Medical Intuitive (MI) Readings in the past 22+ years, I continue to enjoy teaching and empowering others to become their own health intuitive. Intuition can play a critical role within complementary medicine, a...
Dowsing & Applied Kinesiology---How Cool Is That?
by Marty Lucas
Imagine my surprise when I grew up and found that people didn't know anything about dowsing and didn't even think it was real. Dowsing wasn't anything special where I grew up in Iowa. It was simply the best way to find water...
Eckankar Workshops in Connecticut
by Bob Lawton
Do you have a soul? Or are you Soul, having a human experience? It's an interesting twist in viewpoint. Here's another good question: Is there a God? Or is it like missing the forest for the trees because all is God?The mind can get lost i...
Marconics: Flowers in the Field
by Alison David Bird
You have been dying over the winter months, bleeding out redundant energies. Your physical, emotional and mental bodies have been purging old habits and behaviors, venting memories and painful attachments. In some way, you have been severing the shad...
Step Into A Rewarding Career—Feet First!
by Laura Norman, M.S., LMT
Imagine having a career you love—that allows you to help others heal naturally and experience healing yourself in the process. Imagine work that's joyful and energizing for you, relaxing, nurturing and pleasurable for your clients. As a Holistic...
Secret Medicines From Your Garden, By Ellen Evert Hopman
Weaving together ancient wisdom, mystical folklore, and modern plant research, master herbalist Ellen Evert Hopman explores the many uses of flowers, trees, common weeds, and ornamental plants for food, medicine, spiritual growth, and magical rituals...
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Fashion » Accessories » Marc's French accent
Marc's French accent
For a second time this season, Marc Jacobs wowed us at Vuitton with a fantastic, uber-French extravaganza. We loved the playful shoes with pearl and ruffle accents, the colorful chain necklaces and of course those ever-covetable bags. Here, a few of our faves…
Photos: Giovanni Giannoni


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How Do You Tie Your Content Back to Your Vision?
Apr 11th
By Aaron Crowther, {grow} Community Member
I've just sat through two-days of speakers at Content Marketing World in Sydney. On the whole, it was a good conference – interesting. I love listening to smart people. Almost as interesting as the content the speakers delivered however, was the attendees' reaction to them as individuals. People like Joe Pulizzi, Robert Rose, and Mark Schaefer have celeb status when it comes to the world of Marketing. And not without reason. They have personal brands as big as some companies. Why? Their content ties back to their visions. You'll know from my two previous Linkedin Influencer Posts, here and here, I believe this is a critical part of getting content right.
Deloitte CMO David Redhill illustrated this perfectly when he talked about 'content' as 'courtship.' It's such a powerful concept because it highlights the significance of 'relationship.' This understanding is critical for three main reasons:
1. Vision has to be based on values.
Values are a way to show how much you care. They have to align with your vision, or else it means nothing. Redhill said, "People don't care how much you know until they know how much you care." Values, as communicated through content, make the difference between it being a memory quickly forgotten, and it changing an understanding or behaviour. Consequently, all content should have a simple values test before you publish it.
2. Content must stand for something.
It's not the number of words on a screen, the time a video will play for, or even how many people looked at it. If that's true and content has greater meaning than these measures, does it make sense to own or lease the platform for its housing and dissemination? I don't buy into the hype around 'brand journalism', but brand publishing is here, and it's only going to get bigger. As such, social platforms should support your content, but its spine needs to be on a platform you own. You need to invest in the tools and people to get this right. After all, it's your vision – not someone else's. Don't leave yourself in a position where someone else could pull the rug out from underneath you at a moment's notice.
3. Like a courtship, you have to be passionate about your content!
This can seem like a challenge. After all, not all businesses create inspiring or exciting products or services. The gurus at the conference are in an enviable situation (at least from where I sit as someone who shares their passion for good content). But… that's why vision is so important in your content and storytelling. It's not about your products and services as such, it's about where you are going and why. It's about your people and the way you are positively impacting your environment. And that's a vision worthy of good content!
Aaron Crowther is the founder of ASCommunications and Group Business Director for Max Australia. You can follow Aaron on Twitter @ASCommsTweeter or via his blog Commspro.me.
How to Achieve a Return on Conversation with Emotional Marketing
Apr 10th
By Brooke Ballard, {grow} Community Member
I'm going to unveil the secret to breaking through the noise on Facebook right here in this post. But for you to understand where I'm coming from, I need to tell you something about myself first. Here it is:
Excited about that? I wouldn't blame you if you're not. That kind of overused quote or meme tells you nothing about me, my beliefs or what kind of a person I am. There is no connection.
Let's start again.
My name is Jennifer Brooke Ballard, but I've gone by Brooke since birth. I lived in Texas for 29 years and now call Wall Street my home. I don't think New Yorkers are as neurotic as they're made out to be, or that Texans are dumb just because they talk slowly.
I believe in energy, in karma. My happiness is based on the happiness of those who support and surround me.
I hate that we can't be a more open-minded society, but love that we have the freedom to decide what we want to believe and whom we want to love.
I can listen to Frank Sinatra and Deadmaus5 in one subway ride and feel exhilarated and invigorated by both.
At this point you're probably leaning one way or another when it comes to trusting and liking me. By going beyond cliché information, I've helped you to get to know and understand me.
Cliché disclosures mean nothing, while facts, opinions and beliefs – or psychographics – mean everything to building trust and relationships. This is what I learned from my time at Penn State University, where I did an undergraduate honors thesis about successful connection strategies on social media.
Do You Trust Me? Do You Like Me?
The crux of my work looked at the Onion Theory (also known as the Social Penetration Theory). This theory states that we build relationships through different levels of communication, which range from shallow and cliché talk, to more personal and intimate conversations.
If we want to develop closeness with someone, we disclose personal information to them in hopes they will accept us and that our admission resonates with them.
Disclosures happens on four levels:
- Clichés
- Facts
- Opinions
- Feelings
When we start to move past the surface and the fluff of cliché-type conversation, we become vulnerable. By being vulnerable, we hope that the other person or persons will become vulnerable and open up to us, thus creating trust.
And it's trust, as we all well know, which forms the foundation of any relationship.
Return on Conversation
My thesis posed this simple question: Can this type of deeper interaction and relationship building happen online (specifically on Facebook), between brands and consumers?
My research answered "yes." (Details about the methodology can be found at the end of the post).
And even though it was somewhat early in the social game (2009-10), the really savvy brands had moved past asking their online communities what they were having for lunch, and were instead engaging by tugging on the proverbial emotional strings.
Demographics suddenly became "old school" and psychographics – or emotional marketing – emerged as the new goal of their conversations.
What's your belief on …?
What do you think about …?
How does … make you feel?
Do you value …?
The return on this deeper conversation is amazing. Consumers are conditioned to open up about their preferences. As the conversation moves deeper, you can almost reach out and touch the trust forming between would-be clients and brands.
Not only can brands build trust, they can garner information they've previously had to pay for through focus groups or market research.
If you're trying to use social media to gain sales, brand awareness, or loyalty, you must think more deeply about the conversations you're having.
- If everything you share is cliché, your results will be cliché.
- If you only talk in facts, you may only receive factual information in return.
- If you tout opinions and ask for feelings, you may receive opinions, feelings and other psychographics from your community.
The Onion In Action
Let's look at examples of each stage of disclosure (clichés, facts, opinions, feelings), and what happens when brands use them to garner conversation online. Brands not performing well have their names and logos blurred – we're here to learn, not to criticize.
This is a smaller page (nearly 1,000 fans) that posted a cliché-type post. There was no interaction (no one liked, shared, or commented on the post).
This is an exception to the results most brands see with cliché posts. I think the reason these posts work for Amy Porterfield is not because she has nearly 65,000 fans, but because she works hard to build trust with other deeper-disclosure posts (as shown below).
Jay Baer's Convince and Convert page (nearly 8600 fans) shares mostly fact-type content. Educational posts work really well for teaching, but don't do as much when it comes to building relationships and trust. Facts can solicit opinions from time-to-time, but rarely result in the deepest disclosure, feelings.
I love this post from R & R Web Design LLC. Not only does the brand cleverly ask for specific opinions from its 3,000+ fan page followers here, but they also take the opportunity to better serve an existing client by using User Generated Content (UGC).
Amy's Facebook Page is littered with opinion-seeking posts. I think this is part of the reason why she does so well, and why her cliché posts can also garner a lot of traction.
It was much harder to find brands (big or small) using feelings to solicit feelings, but this post is a PRIME example of a brand doing it right. Notice how Subaru (1.7 million Facebook fans) uses a feeling word (love) both in text and visually. Then look at how a fan gives a full feeling disclosure back to the brand regarding their product ("I Love my Subaru"). Even the happy face denotes a feeling: "happy."
How To Make The Onion Theory Work For Your Brand
Though the above posts may seem like small gestures in a vast online world, the brands truly building loyal communities use emotional marketing in their conversations.
My thesis and this post were focused on Facebook, but the theory can be used on any platform where conversation takes place.
My tips for emotional marketing success:
- Dump the clichés (memes and quotes don't do anything to reinforce your brand messaging or build relationships/trust)
- Find other ways to let your brand's personality shine
- Use facts to educate, but focus more on the opinions and feelings of your target audience
- Use the information and psychographics you glean from responses to better market to your consumers
- Remember to share your own opinions and feelings; transparency is key, or the relationship will be one-sided and won't last
What are your thoughts about this research? Better yet, what are your feelings about it? : )
Brooke Ballard is a Digital Marketer and Chief Social Strategist and Founder of New York-based B Squared Media.
Notes on methodology:
I followed three NPOs (Special Olympics, Cystic Fibrosis Fibrosis Foundation, and Philabundance) for two weeks on Facebook and "labeled" every post as well as every comment (conversation) for depth of disclosures.
Qualitative and quantitative data were collected by reviewing the statistics collected on each nonprofit over two weeks and was then used to lend support to, or discredit, findings regarding the research objectives.
By conducting preliminary research on the Facebook pages of each nonprofit, the researcher was able to contrive several types of messages each nonprofit posted to their page. From there, a coding scheme was created to label each message into one of eight specific categories: News; Events: Past Events, Present Events, or Future Events; Fundraising or Soliciting Volunteers; Issues; Soliciting Stories or Narratives; or Miscellaneous. It was also decided that a message could only be coded as one type of message (i.e.: news, not news and event).
Secondly, the researcher explored the responses to messages sent out by each nonprofit to create a coding scheme for supporter responses. The responses were labeled into six specific categories: Accolades, Praise, and Thanks; References; Outreach or Support; Story or Narrative; General Response or Statement; or Miscellaneous. The process for coding was refined as the first week of coding began, and the researcher was able to make additions to include all of the types of categories needed to successfully label each message from the nonprofit, as well as each message from the supporters.
Additional information was collected, such as the number of entries the nonprofits posted to Facebook each day, the number of responses the messages received in a day, the number of responses to posts (or "sub posts") each day, the number of "likes" each post and sub post received, and how many friends or fans each nonprofit had on each day of the coding week.
7 Essential Mobile Apps for Marketers
Apr 9th
By Kerry Gorgone, {grow} Contributing Columnist
I have 87 apps on my iPhone. Some might think that's too many, but I've been through them several times, trying to pare down, and I use them all. Some are especially helpful to me as a marketer: managing my ever growing contact list, or monitoring analytics via mobile.
Here are a few essential mobile apps and tools for my fellow marketers.
Evernote Hello
Platforms: iOS, Android
Pricing: Free
Enter an email address and get a full profile via LinkedIn and Facebook, scan a business card into your contacts, pull names in from your calendar, and more.
Hello even enables you to connect to a group of people at once using audio tones, so taking out your smartphone at a networking event might actually be a good thing.
In my experience, not enough people use Evernote Hello for this function to be of practical use yet, but I would personally love if more people used it. Everyone could get their smartphones out and connect, then put them away and actually talk for a while. To dream, to dream…
Google Analytics
Platforms: Mobile Site, Android
Pricing: Free
Digital nomads need portable insight, and this app provides it. The Google Analytics native Android app delivers the quality you'd expect from Google, with an excellent user interface and a good overview of your data. It's not as versatile as the web version, but it's incredibly helpful when you need to access your analytics data from the road.
Lead Converter
Pricing: Starts at $5/month for a single site.
Platforms: Mobile Site
Valuable audience insight helps you to customize messages displayed on your site, so you can maximize conversion for different subsets of your audience.
Display pop-ups on the screen, banner images across the top of the screen, boxes that appear on your website, and more, different for each site visitor based on their demographic and psychographic data. Run A/B tests and get real-time analytics. Lead Converter is a powerful tool for any marketer's arsenal.
Platforms: Mobile Site
Pricing: Free to search ads. Analytics pricing available by requesting a demo.
Working with designers to create banner ads gets much easier if you have some idea of what you want. Moat offers inspiration by giving you access to free search engine of banner ads by brand. See what the competition's doing, or shake things up in your industry by taking a cue from companies in a more creative field.
If you're looking for an agency, checking out banner ads in bulk like this can help you identify a few candidates whose work seems to match your brand personality. (Agencies can request credit for their ads by contacting Moat. )
You can purchase analytics plans, as well, comparing the results of your own banner ads: In-View Impressions (50% or more of the ad is in-view for at least one continuous second); In-View Time (average length of time the ad is in-view); average interaction time and more.
Platforms: Web App, iOS and Android
Pricing: Free
Marketers need to earn a living, and this becomes much easier with some powerful apps that make timekeeping a cinch. Toggl enables you to track your time, sync between devices, and generate time sheets, although it stops short of actual accounting functions. For that, check out Xero, below.
Platforms: iOS and Android
Pricing: Plans start at $9/month
When you're ready to move past timekeeping and generate invoices, check out Xero. You can monitor cash flow, reconcile bank statements, generate invoices (or gentle reminders), and more, all from your mobile device. Since time is at a premium for busy marketing consultants and strategists, the functionality Xero offers is invaluable.
Platforms: Mobile Site
Pricing: Free
Userium provides a helpful checklist for marketers who want to make sure their website's up to snuff in terms of usability and accessibility. Run down the list (ticking off boxes as you complete items), and you'll have caught an array of common mistakes,
Ideally, you'd run down this list before launching your site, but better late than never.
If you're interested in productivity more generally, several of my 87 mobile apps help me to save precious time on a daily basis, and would prove useful to all businesspeople: 8 Great Apps to Save You Time Every Day
What did I miss? Which mobile apps and tools do you rely on?
Kerry O'Shea Gorgone is a writer, lawyer, speaker and educator. She's also Instructional Design Manager, Enterprise Training, at MarketingProfs. Kerry hosts the weekly Marketing Smarts podcast. Find Kerry on Google+ and Twitter.
Original illustration copyright www.businessesGROW.com
New insights into online radio, podcasting and Google +
Apr 8th
In the newest episode of The Marketing Companion Tom Webster and I examine a brand new study from Edison that reveals some eye-popping new insights on podcasting, online radio and social media consumption.
Some of the highlights of this podcast episode include:
- Introducing "Poodle King" Webster and Social Media Explained
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Employee Saving and Investment Decisions in Defined Contribution Pension Plans: Survey Evidence from the U.K
Byrne, Alistair, Financial Services Review
This paper uses data from a survey of the members of a U.K. defined contribution pension plan to explore the attitudes and knowledge of employees faced with pension saving and investment decisions. The results are consistent with behavioral economics in that many employees show limited interest in their pension arrangements. Not all members have received advice about their pension, but those who have are more likely to have calculated their savings needs, to have higher levels of investment knowledge, and to actively review their investments than those who have not. The members' investment preferences appear broadly consistent with traditional finance theory, although the popularity of property may reflect familiarity bias. © 2007 Academy of Financial Services. All rights reserved.
JEL classification: D14; G11; G23
Keywords: Pensions; Defined contribution; Behavioral Economics; Survey data
1. Introduction
Most occupational pension plans operate on either a defined benefit ("DB") or a defined contribution ("DC") basis.1 In recent years there has been a significant shift in retirement income provision in the U.K. from the situation where employers typically offer DB plans, to a situation where DC plans are more common (e.g., NAPF, 2003). This follows a similar trend in the United States (e.g., Friedberg & Owyang, 2002).
Saving for retirement is a complex task and the stakes, ensuring an adequate income in retirement, are high. The move from DB to DC pensions puts much more responsibility into the hands of the individual participants, principally in terms of how much to save and how to invest the resulting funds. There is evidence that many people struggle to deal with this greater responsibility. For example, the U.S. Retirement Confidence Survey (EBRI, 2006) reports only 42% of respondents had tried to calculate how much money they should save for retirement, while 42% of the respondents in a survey of U.S. DC participants conducted by the John Hancock insurance company (John Hancock, 2003) said they had little or no investment knowledge. Volpe, Chen and Liu (2006), find that U.S. pension plan administrators think that their plan members lack knowledge on important personal financial issues, including investment and retirement planning.
This paper uses data from a survey of the members of a midsized U.K. DC pension plan to explore the attitudes and knowledge of individual employees faced with saving and investment choices in their pension plan. The data are used to assess the plan members' behavior against key theories from both traditional and behavioral economics and finance, and to assess the impact of advice on behavior. The results show that many plan members have little interest in or knowledge about their pension arrangements, including the investment decisions that they face. This is consistent with behavioral economics ideas such as default and status quo bias, and with previous U.S. survey evidence. Where members have received some form of advice about their pension, they are more likely to have calculated how much they need to save for their retirement, to report higher levels of investment knowledge and to be active in reviewing their investments. The members' investment preferences are broadly consistent with traditional finance theory. They do not report much interest in investing in own company stock, a poorly diversified strategy, but they do show a strong preference for investing in property, which may be an alternative manifestation of Huberman's (2001) familiarity bias.
The remainder of the paper is organized as follows. Section 2 reviews the previous literature on employee decision making in DC pension plans. Section 3 describes the objectives for the study and Section 4 discusses the data and method. Section 5 presents the results, with the discussion in Section 6, limitations and directions for future research in Section 7, and Section 8 concludes. …


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Great Motherboard
This review is from: GIGABYTE GA-P35-DS3P LGA 775 Intel P35 ATX Intel Motherboard
Pros: Fantastic motherboard. I've been a huge fan of Gigabyte for a while and this just continues that. Worked right out of the box without even close to a problem. I'm not much for OCing or tweaking but the programs it comes with make it very easy for someone like me to do so if needed. Helluva value!
Cons: The placement on the cpu fan power pin was probably the only thing that bothered me, I had to stretch the cable over the heatsink to reach the pin. That's probably compatibility issues with the fan/heatsink (Arctic Freezer 7 Pro).
Other Thoughts: Other than those two placements, the layout is fantastic and everything fits perfectly without a problem! A definite buy!
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very good MB
This review is from: GIGABYTE GA-P35-DS3P LGA 775 Intel P35 ATX Intel Motherboard
Pros: good solid motherboard. Has all the features I need. Worked flawlessly from the beginning. no issues at all.
Cons: none
Other Thoughts: recommended.
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Very Awesome
This review is from: GIGABYTE GA-P35-DS3P LGA 775 Intel P35 ATX Intel Motherboard
Pros: 8 SATA Ports!!! Solid caps!! Very nice heatsinks on the chipsets. 1066MHz mem support. Came with very awesome SATA cables which lock in place. LOTS of options for just about EVERYTHING in the BIOS!
Cons: I'm pretty sure that the floppy connector/controller is dead. I needed a floppy for about 5 minutes, so it caused me some (very) minor headaches)... It's the only floppy, no big deal... Not worth RMAing... That's why this still gets a 5... ;-)
Other Thoughts: It would have been nice if the floppy worked... But like I said, it's not the end of the world... Though something to keep in mind... It's been a while since I bought a new mobo, the feature set on just about all mobos these days is amazing... This board is no exception!
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Very good quality motherboard
This review is from: GIGABYTE GA-P35-DS3P LGA 775 Intel P35 ATX Intel Motherboard
Pros: Very versatile motherboard. Loads of SATA ports for RAID arrays. Fast FSB for the best quality DDR2 RAM. Support for Crossfire is an awesome bonus for videophiles. Easy to use and detailed BIOS.
Cons: Yes the Northbridge location is rather strange. I haven't used that expansion port yet so I don't know if the heatsink would be in the way or not, but that heat sitting next to my Video Card hasn't caused any issues yet.
Other Thoughts: Great product all around.
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Make this #1...
This review is from: GIGABYTE GA-P35-DS3P LGA 775 Intel P35 ATX Intel Motherboard
Pros: This board has mostly everything you'd want on a motherboard... great audio, firewire, usb, plenty of sata connectors. Performs great! Currently running at low temps.
Cons: Needs the bride heat sink moved... somewhat blocking expandsion ports, not that important since I won't be using.
Other Thoughts: A+++ board... try it... you'll like it.
0 out of 1 people found this review helpful. Did you?
Very good board
This review is from: GIGABYTE GA-P35-DS3P LGA 775 Intel P35 ATX Intel Motherboard
Pros: I chose this board over the GA-P35-DS3R because it has onboard IEEE1394. It booted right away with no issues. There is plenty of room around the socket to install a Thermalright Ultima-90 heatsink with a 120mm fan on the CPU (a Core 2 Quad Q6600). Installation in a CM Stacker 830 case, RAID setup and Windows Vista Ultimate (32-bit) installation went without a hitch. Plenty of USB connectors and most of the connectors are conveniently located. Upgraded from F4 to F5 BIOS and everything looks fine. PC health monitor shows CPU (Tcase) temp of 27C/80F and system temp of 41/105 during idle. CPU temp never exceeded 50C during Prime95 torture test with all 4 cores @100%.
Cons: This board has one less system fan connector than the GA-P35-DS3R. The Sys fan 2 and Pwr fan connectors are located along the top and bottom edge, I needed extender fan cables to reach these connectors for my 2 front fans. In the fan speed control mode, it does not control Sys fan 2. Also Sys fan 2 speed does not show up in Gigabyte EasyTune5 windows utility although it does show up in BIOS setup.
Other Thoughts: I am curious where the system thermal monitor is located, it seems a little hot. Although the manual is pretty good, I wish they would include more technical details such as fan connector amp ratings and location of system thermal monitor. This board shares the back panel I/O shield with the GA-P35-DS3R because the IEEE1394 connector slot was covered with a tab; you need to bend it out of the way for this board. I was disappointed to see that Newegg shipped me a rev 1.1 instead of the latest rev 2.0.
2 out of 2 people found this review helpful. Did you?
Revisions Plz..!
This review is from: GIGABYTE GA-P35-DS3P LGA 775 Intel P35 ATX Intel Motherboard
Pros: Honesty i dint purchase the mobo, not yet..but surely will if and only if Newegg is going to update to the product "REVISON" versions. Plz visit the manufacturer's site for info...n yes Newegg services rock!
Cons: new egg is bad at updating the revision info on their products. "Plz take note Newegg". The REVISION (2.0) of the boards are out, so take responsibility to update the info, images and of course the hardware as well.
Other Thoughts: the 'P35-DS3P' is the same board as the 'DS4' minus the heat pipe. so byers plz check and double check b4 buying, the images of the 'DS4' on newegg it self. Images are RVEISION (2.0)[not mentioned how ever]....also the DS3R needs update.. Newegg plz consider the request. lol
3 out of 5 people found this review helpful. Did you?
Fantastic Board
This review is from: GIGABYTE GA-P35-DS3P LGA 775 Intel P35 ATX Intel Motherboard
Pros: I have OC my e6750 to 3.8 no problems If you get a bad OC it will reboot it self back to the last known config. with out using any jumpers. If you want a stable board with all the OC option this is the one you want.
Cons: You cave to control F1 from main bios screen to unlook advance OC features.
Other Thoughts: You can store up to 8 configuations in the bios.
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Works great, very happy
This review is from: GIGABYTE GA-P35-DS3P LGA 775 Intel P35 ATX Intel Motherboard
Pros: I bought this motherboard as part of a new Q6600-based system. I was up-and-running on the first boot. I built my RAID 10 straight off, installed Vista, and was off and running. Drivers, BIOS upgrade all installed without incident.
Cons: Minor stuff only. I had to buy a fan cable extender for my front fan in order to reach one of the fan connectors. I wish they'd put an extra 2 USB connectors in back and ditched the Parallel port, but I've got plenty of USB connectors plugged into the mobo headers so it's not that big of a deal.
Other Thoughts: If you are having trouble with Vista recognizing an IDE DVD drive in Windows DVD Maker, you may have the Gigabyte RAID controller software installed without a RAID on the Gigabyte HW (this is separate from the Intel RAID HW). Either uninstall the software (worked for me) or tell the BIOS that you only have IDE drives on the Gigabyte controller.
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Fast ENuff
This review is from: GIGABYTE GA-P35-DS3P LGA 775 Intel P35 ATX Intel Motherboard
Pros: Excellent layout, nothing gets in the way of installed hardware. Bios easy to work with. Booted up on bios with no issues. Vista H.Prem 64bit, Q6600, fully loaded 1066 Corsair, WD 350 3G, Samsung DVD, all Sata. The built in Raid on this board is amazing.
Cons: Would like to see a different North Bridge cooler, not a biggie though.
Other Thoughts: Unless you are very skilled in Overclocking, stay out of the Bios. This unit runs fast enough to set your hair on fire as is. Newegg is a premier company, Nuff said.
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Cooling temperatures as we move from summer to fall, children returning to school, the winding down of baseball season and the ramp-up of football: These are a few of the traditional milestones that accompany the end of the third quarter each year. It's also time for another seemingly annual event—the prediction of which tax laws and stopgap legislation will be enacted in the closing months of the year.
Lawmakers today appear to be unable or unwilling to work together toward long-term solutions and instead focus their efforts on temporary "fixes." This has ushered in an era of uncertainty, making it increasingly difficult for businesses and taxpayers to make long-term plans of their own with confidence, and it has contributed to the slower economic recovery both here in the United States and abroad.
Despite the challenging business environment, the equity markets have performed relatively well in 2012 and in the third quarter in particular. (See chart.) Corporate profitability has remained strong, the urgency of the European debt crisis has subsided (at least for the time being), and the Federal Reserve has continued its attempts to keep interest rates anchored near all-time lows.
All these factors have contributed to positive returns for the markets but unfortunately haven't created sustained growth in the underlying economy. Despite the early-October data reporting that the US unemployment rate has hit a four-year low, jobs still aren't being created at a brisk enough pace to truly make an impact. This has prompted the Fed to take action.
Driven by its dual mandate of keeping inflation in check and maximizing employment, the Fed launched a new round of quantitative easing in September. The goal in this latest program, much as it was in previous attempts, is to encourage lending and borrowing for home mortgages as well as capital investment by businesses.
One important distinction about QE3, though, is that the Fed has declared it will continue to purchase around $40 billion of mortgage-backed securities each month until it gets the results it's seeking—an improved labor market. This program may be successful in at least temporarily propping up housing prices and encouraging the desired trickle-down increase in consumer spending that goes along with appreciating home prices. However, this boost is likely to be temporary, and without real economic growth the labor market will continue to be sluggish.
As we move into the fourth quarter and 2013, there are a number of things to monitor that could affect our economy, the direction of tax rates, and ultimately your portfolio.
Resolution of the "Fiscal Cliff"
With Congress having already left early for recess, it looks as if this issue will become the responsibility of the lame-duck Congress after the elections and the newly seated Congress in early 2013. It appears quite possible that we'll retain a split Congress in November and that compromise on the issue will continue to be elusive. This could result in a resurfacing of the US credit rating issue as well as increased volatility in the global equity markets. With such a wide range of potential outcomes, maintaining a diversified risk profile in your portfolio remains crucial.
European Sovereign Debt
We're in a period of relative calm thanks to the apparent willingness by Germany and other countries to provide financial support to Greece, Italy, Spain, and others as needed. That support will come with conditions, however, and it remains to be seen whether current and future leadership in those troubled nations will be willing to make the sacrifices required of them.
Responsible reforms could lead to improved stability in Europe and longer-term economic growth. A failure to implement economic reform would increase the cost of capital as investors demand higher yields on the ailing nations' bonds, potentially causing their already fragile economies to slip back into recession. Europe remains a crucial part of the global economy, and countries like China rely heavily on their exports to Europe to grow their economy.
Tensions in the Middle East
Aside from the obvious human cost and disruption to the oil markets, turmoil in this region also tends to be expensive, especially if the United States ends up getting militarily involved. In a time when Congress is looking for ways to cut spending, this is the type of issue that could hamper those efforts, not to mention complicate negotiations over cuts to the defense budget that could come into play as Congress approaches the fiscal cliff.
Inflation and Interest Rates
The Fed announced its intent to keep interest rates low through mid-2015. So far this hasn't resulted in rising inflation other than some recent volatility in food and fuel prices. However, it has been challenging for savers to find returns on cash—a situation likely to persist in 2013.
As a result, you should review your annual cash needs and make sure you have adequate reserves to meet your upcoming living expenses and fund an emergency reserve. Cash holdings in excess of these items should be reviewed to determine whether alternative fixed income allocations might enhance yield and still maintain an acceptable risk profile in your portfolio.
Health Care Reform
More of the provisions of the Affordable Care Act will begin to take shape in 2013 and 2014. We'll continue to see the health care and health insurance industries go through changes as they prepare for new reimbursement and coverage requirements. The impact of these changes will vary widely based on each individual's situation. You should review the likelihood of increased costs and changes to your insurance coverage and update your financial planning assumptions to take these into account.
Year-End Planning
Make sure to take care of the fundamentals. Now is a good opportunity to do year-end tax planning, capital gain or loss harvesting, IRA distribution planning, and general portfolio rebalancing as necessary so you're positioned well as some of these other items unfold.
It can be easy to become distracted by all the uncertainty, but it's important to stay focused on the things you can control—staying on track for retirement, saving for college expenses, growing your business, and other goals. For help with all this and more, contact your Moss Adams wealth advisor.
Past performance is not a guarantee of future results. Index performance does not reflect the expenses associated with the management of an actual portfolio. Market segment (index representation) as follows: US Stock Market (Russell 3000 Index); International Developed Stocks (MSCI World ex USA Index [net div.]), Emerging Markets (MSCI Emerging Markets Index [net div.]), Global Real Estate (S&P Global REIT Index), US Bond Market (Barclays Capital US Aggregate Bond Index), and Global Bond Market (Barclays Capital Global Aggregate Bond Index [Hedged to USD]). The S&P data are provided by Standard & Poor's Index Services Group. Russell data copyright © Russell Investment Group 1995–2012, all rights reserved. MSCI data copyright MSCI 2012, all rights reserved. Barclays Capital data provided by Barclays Bank PLC. US long-term bonds, bills, and inflation data © Stocks, Bonds, Bills, and Inflation Yearbook™, Ibbotson Associates, Chicago (annually updated work by Roger G. Ibbotson and Rex A. Sinquefield).
Articles, videos, and other Moss Adams resources are also available on your mobile device. Get the free app for iOS and Android: www.mossadams.com/app
The material appearing in this communication is for informational purposes only and should not be construed as legal, accounting, or tax advice or opinion provided by Moss Adams LLP. This information is not intended to create, and receipt does not constitute, a legal relationship, including, but not limited to, an accountant-client relationship. Although these materials have been prepared by professionals, the user should not substitute these materials for professional services, and should seek advice from an independent advisor before acting on any information presented. Moss Adams LLP assumes no obligation to provide notification of changes in tax laws or other factors that could affect the information provided.


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Unova's Violet Masquerade
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September 13th, 2012 (11:21 AM).
silhouette of the past
Join Date: Jan 2012
Location: Boston, MA, USA, Earth, Sun Solar System, Milky Way Galaxy, Universe
Gender: Male
Nature: Careful
Posts: 1,787
Sooooo....I was looking for a new theme to use, and came across this one and was thinking about using it until I noticed a pretty big problem.
Here take a look.
For all the themes I've seen, there is a central banner... I don't know if its not showing up for me or what. BTW I use Google Chrome but I tried it on IE9 too and it doesn't show up for me there either. Any help is much obliged.
I'm a silhouette, asking every now and then
Is it over yet? Will I ever feel again?
I'm a silhouette, chasing rainbows on my own
But the more I try to move on, the more I feel alone
So I watch the summer stars to lead me home.
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Anyone have any information or experience with these?
Seems like a decent price and weight for a 30mm wheelset. I believe they came stock on '09 Fuji Track pros and comps.
Anyone have any information or experience with these?
Seems like a decent price and weight for a 30mm wheelset. I believe they came stock on '09 Fuji Track pros and comps.
The weight is very attractive, but they are out of stock (I tried to order them). I emailed the company and got some ridiculous reply saying they would have to special order them for me (something like 45 days) and that shipping to america would take an additional 6 weeks or something. Also their shipping costs $10 more than they say it does. Lame.
I think a fellow member on here races with these. They are great wheels, the rims are KinLin rebrands and they are built by good hands.
Hamish is right though, ordering through BDop could be a little tedious as they are located in Taiwan.
i really want novatec to make a bolt on hub. that looks nice. like victoire minus the splined cog. or even with a splined cog, jeez.
i do want to build a set of kinlins. open pros are so expensive...
well slobber my jibblets
Now to find a US dealer, haha
Man, if you did all-black Kinlin+Novatec wheelbuilds I would throw my money at you. Just sayin'.
i'm on ... for a build kit. i love building wheels.
i wish i had kinlins):
I have novatec hubs atleast.
We are at the end of the model year. Eurobike and Interbike shows are right around the corner so new models will be released there. After those shows we will be ordering 2012 versions of all wheels.
We are sold out. Factories do NOT carry inventory. Anything ordered from a factory is built to order. Typical lead times are about 45 days from when we PAY FOR the order until it is delivered to our offices.
This holds true with any factory.
The pricing for shipping was posted incorrectly on our site but has since been corrected. Shipping for wheels is 5~7 business days.
As to the idea of build kits this is certainly possible and something we often suggest to cut shipping by more than half. If you can build your own wheels it is a more cost effective (and fun) way to go.
I have these and yes they came stock on my heavily discounted NOS 09' track pro
It's being used mainly as a commuter for about 8 months now, day in day out. Very sweet wheels, no complains here.
res firma mitescere nescit
My bad, (and my apologies BDopizzle) I went back and actually read the email again. You said 21 days for shipping, not 6 weeks.
Next time it would be nice for you to say something like "we're out of these, and don't expect to get anymore in, however we may be getting them next year". I was a little put off by the fact that the wheels were out of stock yet still listed on your site, combined with your offer to sell me something different. It felt a little bit like a bait-and-switch, hence my negativity.
Apologies again.
// yummygooey


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Collateral Damage
Advice is the only commodity on the market
where the supply always exceeds the demand.
—Author Unknown
Every business has suppliers. If you have not been farsighted in dealing with the impact that a disaster may have on your ability to work with them, it may result in financial and operational hardships for your company. Some disasters have the ability to not only shut down your business for a time but could also affect your suppliers' ability to provide the necessary goods for your business. If this happens, your business suffers. For example, if a tornado hits a section of the community where your supplier for raw materials is located, that supplier might not be able to produce the goods you need for your operation. Their building may be damaged, and their employees cannot get to work. Even if they still could operate, their distribution channel may have been affected. They may not be able to get trucks to their building so they can ship their products to you. Either way your business will be in trouble; your supplier cannot deliver the goods required for your business, which results in your not being able to satisfy and ship your customer orders. In turn, your customers won't pay for unshipped orders, and you suffer serious financial problems.
All companies, large and small, need to address how they will be affected by a disaster experienced by one of their suppliers. Businesses are linked together in the supply chain, each needing the other to complete the business cycle. The


text: As the title suggesting what I am going to ask over here. Well I have installed Microsoft Office 2010 on the computer of mine. I have found that I was unable to open the SHS file on Word 2010. Let me know why I am unable to open the SSH file? Do you having any particular suggestion then feel free to share with me. Any help on this particular matter would be highly appreciated. Thanks a lot in advance.