text: Let the Sunshine In! Benchmarking Brings Clarity to Retirement Plans Craig Lombardi July 10, 2013 Americas, Defined Contribution What gets measured gets managed. What gets managed…gets better.That's been our experience when working with US defined contribution (DC) plan sponsors. The exercise of benchmarking a DC plan against other, similar-sized plans has prompted improvement on many fronts. This is especially helpful for plans that may not have the kind of extensive, dedicated in-house retirement benefits staff that many of the largest DC plans have. Frequently, other plans rely on company executives who have to wear many hats—oftentimes it's the CEO doing the heavy lifting. In many cases, the advice and assistance of financial advisors or consultants (collectively referred to here as "advisors") become instrumental. Benchmarking helps plan sponsors stay on top of the evolving needs of their participants as well as the evolving capabilities of the retirement services industry. It also bolsters a plan sponsor's standing as a responsible fiduciary—as do investment policy statements or other documents that detail a DC plan's mission and progress toward stated goals. But it's the details of benchmarking that make the difference. It's Not Just About Fees When we start the benchmarking discussion with plan sponsors, they often think it will be a great way to get a handle on fees. That's certainly important, but good benchmarking is much more. It's a pragmatic strategy for assessing all the major components of a plan—fees, investments, communications, recordkeeper services, fiduciary issues, plan participation levels and other plan goals. The key to good benchmarking starts with a large enough database to make sound comparisons across a wide range of plan sizes. We conduct surveys with over 1,000 plan sponsors with responsibility for plans ranging in size from less than $1 million in assets to more than $500 million. And we ensure that there's adequate representation at all levels, because different-size plans often have different issues and priorities. For example, we asked survey respondents about which issues worried them the most. The overall top response was that participants don't know how much they need to save in the plan to meet retirement needs. But more sponsors of the largest plans (with $250 million or more in assets) chose this answer than sponsors of smaller plans (with $10 million or less in assets). On the other hand, fees weighed more heavily on sponsors of smaller plans than on those with more than $10 million in assets. Benchmarking often brings issues into the open, where the "why" and the "how to improve it" can be fully explored. It provides context to identify top plan priorities—especially if they weren't recognized previously as top priorities. Benchmarking helps plan sponsors take a step toward targeted actions that can meaningfully improve the plan and help them fulfill their fiduciary obligations. Investment Menu: Free to Choose or Free to Fail? Benchmarking can prompt deeper discussions on many topics between plan sponsors and their advisors. Nearly 80% of plans with $50 million or less in assets use an advisor, and the most valued aspect of that relationship is the quality investment advice plan sponsors receive. While much of that advice may be concentrated on the selection of investment options, benchmarking can help plan sponsors determine and identify whether they have too many or too few options, and whether the plan's "freedom of choice" is actually helping or hindering the retirement outcomes of participants. In our surveys, nearly 60% of plan sponsors feel they offer the right number of investment options in their plans. Another 24% feel their plans need more. But what is that "right" number? About one-third of plan sponsors feel that five to 10 options is the right amount, and another one-third say 11 to 15. But some plans have fewer and others have 20 or more. When advisors conduct a benchmarking comparison, plan sponsors may alter some preconceived notions and put their DC plans on a better track for the future. These discussions also help plan sponsors weigh the merits of adding such features as automatic enrollment and automatic escalation, selecting a qualified default investment alternative and improving their plan's communications. Getting Started Plan sponsors should talk to their advisors about conducting a benchmarking exercise. If you don't have an advisor for your DC plan, this might be an excellent opportunity to consult a retirement advisor. Advisors not only help map out the areas to assess and the way to gauge your plan's progress; the advisor also acts as a sounding board concerning how you're doing vis-à-vis other sponsors, as well as how your plan is doing in creating better outcomes for plan participants. The views expressed herein do not constitute research, investment advice or trade recommendations and do not necessarily represent the views of all AllianceBernstein portfolio managers. Facebook Twitter LinkedIn BiographyCraig LombardiManaging Director—Defined ContributionCraig Lombardi is Managing Director of Defined Contribution investments, responsible for retirement sales through intermediaries, platforms and consultants representing sales in the under $1 billion market. Previously, he spent 20 years at Fidelity Investments, serving most recently as senior vice president and national sales manager for the institutional insurance division of Fidelity Investments Institutional Services. Lombardi began his career with Fidelity Investments Retirement Services Company, where he was responsible for servicing defined contribution plans of the major Fortune 100 companies. He joined the insurance division of Fidelity Investments institutional sales as a marketing director in 1992. From 1993 to 2002, Lombardi's responsibilities included wholesale distribution of Fidelity VIP funds through various insurance companies' variable annuity, variable life and group pension contracts. From 2002 to 2006, he acted as the eastern divisional sales manager for Fidelity's institutional insurance group, managing nine wholesalers. Lombardi holds a BA in history from the College of Wooster. He is a former member of the Rhode Island Make-A-Wish Foundation and Johns Hopkins Oncology Center board. Location: New York Related Posts VIDEO: Retirement Repairs Ahead with New DOL Fiduciary Rule DOL's Big Changes for Protecting Retirees? Progressive DC Plans Are Way Ahead If Retirement Time Is on Your Side, Use It Wisely!


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Latest News
Mizuguchi: Child of Eden's 'Journey Project' yielded as many as five thousand submissions
In September 2010, Ubisoft announced it would use user-submitted images that represented the game's theme of hope and happiness to help craft the...READ MORE >
"I can't even read the phrase 'Journey Project' without thinking of that series. Love it - love it."see all 11 comments


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The things that is worth paying more for
There are a few things in the world, other than cakes, I don't mind spend extra money for, and one of them is hospitality of honest people.
On my way to a tourist attraction, the bus was caught in a 6 hour traffic jam (due to a major accident). There was no way for me return to my hostel and I had nothing with me except for a water bottle and some cash. With me was a local girl who was on her way back home to visit her parents in the village nearby the tourist attraction. We chatted for a bit and she offered me to stay with them for the night.
They quickly prepared the extra room on the farm, showed me around their village, and made me dinner and breakfast and yet they didn't expect anything in return. They were far from rich (they actually reluctantly let their younger daughter go out to work in another country by herself as they could barely support the entire family), but they were full of life and happy, most of the time.
I, of course, cannot on my good conscious leave without giving something in return. So I gave them what money I had, $32 (minus cake money for the day), which is a good amount for them (more than twice what their whole family makes per day) and considering normally it would have cost $7 for the same type of service in a hotel. They, of course, were very grateful.
They have turned a disappointing tourist experience into something I'll cherish for a long time.
Posted by btang 00:51 Archived in China Tagged pay hospitality honesty Comments (0)


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In some ways it was typical early-season fare - freezing cold, a soggy, slow and treacherous wicket, and batting and fielding on both sides which might generously be attributed to a lack of preparation due to the dismal weather. What eventually unfolded however was really quite extraordinary, chasing a paltry target of 74 for victory Westquarter collapsed from 58-3 to 68 all out, thanks to an astonishing spell of off-spin bowling from the brilliant Rahul Patel who, having taken a little time to find his rhythm, found rhythm and turn and control enough to collect six wickets for one run in four overs, finishing with 6-18.
Both sides were missing key players for various reasons, and having lost the toss Leith were inevitably put in to bat. Wickets soon began to tumble, only Patel, Sutcliffe and new signing from Chennai Super Kings Selvin Sagayam made it into double figures. Williams also deserving mention for the admirable literalness of his adherence to instructions to bat for twenty overs, blocking and prodding with manful application for exactly that amount of time until he celebrated the arrival of the twenty-first over with a loose swipe across the line and headed back to the pavilion. Mention also to Middleton and newly-appointed vice-captain Lawson who eked out a last wicket stand of seven which in the context of the game was to prove utterly decisive.
Having enjoyed their fill of Dorothy Fraser's speciality Cheese and Carrot sandwiches and a few hot Bhajis to combat the chill the players headed back out knowing that on this wicket and with Westquarter under strength there may yet be hope if danger man Hamad Mumtaz could be neutralised. Hamad proved initially more dangerous though to his own teammate, generously giving Umar Aslam lbw to Thekkumparath despite a big stride forward. Cammy Lawson then struck twice to leave Westquarter 5-3, but with Hamad still to come no chickens were being counted. A partnership of 52 between Salik and Victor Farikh then looked like it might see the Falkirk men home without calling on their star batsman as chances came and went, but cometh the hour and cometh Rahul!
Patel bowled Salik and got Choudhry lbw on the third consecutive appeal, Lawson then got a full one through Farikh's defence and it was game on! Mumtaz finally arrived at the wicket but was soon glaring uncomprehendingly back down the pitch as Patel spun one in between bat and pad, all of a sudden it was Stevie Sutton and three youngsters with nine still needed, fielders round the bat scenting victory and the pressure mounting, and the pressure told as Patel finished the job in some style.
A thrilling victory then and one testament to perseverance and a fine team spirit. Fabulous to get a win in the circumstances but there needs to be a marked improvement in the level of batting and catching if Leith are to be competitive in Division 2 this season. Plenty to work on on the training ground on Thursday then, and we look forward to a trip to Meggetland on Saturday to face Boroughmuir.
Onwards and upwards!!!


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Roadside Safety Research Group
This branch is responsible for evaluating the crash worthiness of roadside safety technology such as barriers, guardrails, crash cushions, bridge rails, sign supports and other hardware. The branch conducts full-scale crash tests on roadside safety hardware designs developed by Caltrans to assure that these designs comply with applicable crash performance criteria. It also evaluates the crash worthiness of proprietary hardware developed by others to assure that such hardware is acceptable for use on state highways. Finally, the branch provides support to Caltrans Legal in tort liability cases by conducting crash tests and providing technical assessments and expert witness testimony.
- Bob Meline
Email: firstname.lastname@example.com
- John Jewell
Email: email@example.com
- David Whitesel
Email: firstname.lastname@example.com
- Christopher Caldwell
Email: email@example.com
- Vue Her
Email: email@example.com
Research in Progress
- Development of an Aesthetic / Low Maintenance Guardrail System
- Roadside Safety Computer Simulation
- Side Mounted Bridge Rail
Roadside Safety Research Implementation Information
The following table is intended to provide links to details and final reports for research performed by the Roadside Safety Research Branch in recent years.


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Dreamforce and Then Some
September 21, 2015
What a difference a decade makes. Ten years ago, the booths on the Dreamforce show floor were little more than outposts for widget-makers. Fast-forward to Dreamforce 2015, and one is struck by the number, variety, and size of the partner community. That's only part of the story, though. Often out of sight is the sizable display of talent that has consolidated around Salesforce.
SaaS' Next Wave: Customer Lifetime Value Management
September 4, 2015
Salesforce's latest quarter, along with the buzz surrounding its upcoming Dreamforce lovefest, have showcased CRM's rapid migration to the cloud. However, today's SaaS CRM solutions deliver limited value-add if the organizations that use them are unable to realize marketing and sales promises. This is especially true for those guiding prospective customers on an omnichannel journey.
Intel Pumps OpenStack Up
August 27, 2015
As part of a new strategic collaboration, Intel will lead a $100 million funding round in Mirantis, the companies announced earlier this week. Intel is a long-time investor in Mirantis. This round includes existing investors August Capital, Insight Venture Partners, Ericsson, Sapphire Ventures and WestSummit Capital, as well as new investor Goldman Sachs.
Open Mainframe Project Pushes Linux's Limits
August 17, 2015
The Linux Foundation on Monday announced the formation of the Open Mainframe Project to advance the development of Linux on the mainframe among academia, government and corporate partners. The foundation announced the software consortium at the LinuxCon/CloudOpen/ContainerCon gathering in Seattle. The project will create a set of tools and resources to drive further collaboration and improvements.
Red Hat Promises Ease of Use in New RHEL OpenStack Platform 7
August 5, 2015
Red Hat on Wednesday announced the release of Red Hat Enterprise Linux OpenStack Platform 7. Platform 7's availability follows by three months the latest release of OpenStack. Key to its new features are improved deployment and management tools that simplify installation. The new feature set eases day-to-day management tasks. Platform 7 is based on the OpenStack community's Kilo release.
Gamifying Sales Comp
August 5, 2015
Microsoft earlier this week announced that it has bought FantasySalesTeam, a sales gamification platform. The intent of the product is to boost sales productivity. The gaming part is designed after some aspects of fantasy sports leagues in which participants build a team from known professional athletes and try to beat other teams. The team aspect makes everyone more competitive.
The Cloud's Open Source Seeds Are Growing Strong
August 4, 2015
Open source seeded the cloud, 451 Research found five years ago -- and those seeds have grown. Open source now plays an even more prevalant and important role -- not only in cloud computing, but also in other, related areas, such as big data, DevOps and application containers. One can consider any layer of cloud computing -- Infrastructure as a Service, for example -- and see the impact.
US House Opens Up to Open Source
July 31, 2015
Providers of open source software recently found another market: the 435 members of the U.S. House of Representatives. That market easily will grow to many thousands of potential open source users when the staffs of representatives and House committees are added to the total. Certain procurement restrictions that had constrained the use of open source technology in the House have been clarified.
Tech Giants Boost Open Source Container Collaboration
July 25, 2015
The Linux Foundation this week announced the Cloud Native Computing Foundation, a consortium dedicated to the development and adoption of common container technologies. CNCF aims to make it easier for businesses to deploy containerized cloud applications oriented to microservices. Open source container-packaged applications are easier to create, manage and deploy, said tech analyst Rob Enderle.
Bridging the Front and Back Offices
July 9, 2015
I've written many times about how conventional, premises-based ERP seems to be evaporating. Configuration, pricing and quoting are business processes that illustrate the point. First, let's all agree that enterprise resource planning isn't going extinct as it evaporates -- it's too valuable -- but it is getting a haircut. Many of the functions leaving ERP are condensing back into the front office.
Red Hat, Samsung Ramp Up Enterprise Mobility
June 24, 2015
Red Hat and Samsung Business Services on Tuesday announced a strategic alliance to deliver the next generation of mobile solutions for the enterprise. The alliance, announced at the Red Hat Summit 2015, combines the strengths of each company -- Samsung's mobile device portfolio and Red Hat's open source middleware, mobile and cloud technologies.
Container Coalition Seeks Common Standard Creation
June 22, 2015
Docker and CoreOS on Monday announced the formation of a coalition of 21 industry leaders to create the Open Container Project, a nonprofit organization seeking minimal common standards for software containers for cloud storage. The two companies made the announcement on the opening day of Dockercon, a two-day conference covering all aspects of the Docker ecosystem.
Cisco, IBM Bet Big on OpenStack
June 9, 2015
OpenStack, a free and open source cloud controller package that has been struggling to gain acceptance in the enterprise, took a giant stride forward when IBM and Cisco opened up their wallets last week. IBM announced it would buy hosted OpenStack private cloud provider Blue Box Cloud. Cisco announced plans to purchase Piston Cloud Computing, developer of the CloudOS operating system.
Pega Healthcare CRM Promises 360-Degree View
June 9, 2015
Pega last week announced enhancements to Pegasystems Customer Service for Healthcare, an application that integrates customer service and care management to provide a 360-degree view of all customer interactions. The application provides call center agents with data across administrative, health and care management interactions with the goal of enabling them to provide better service.
5 Modules That Will Rock Your Business
June 3, 2015
Zuora two weeks ago announced its first acquisition, Frontleaf, and a new product, Z-Insights. This marks an important moment for both Zuora and what it has called the "subscription economy." The subscription economy has spawned a culture in which people have been conditioned to expect subscription-like performance from all their vendors -- even the conventional ones.
Xactly: From Transaction to Process
May 20, 2015
It is subtle, but in the spring conferences I see a pattern emerging around the importance of process. Admittedly, my analysis in this case is less than scientific, and I have no statistics to support my idea, but I my instinct says a trend toward process is beginning. Two conferences that support my contention include Xactly and Zuora, both of which are taking place this week in San Francisco.
Redesigning Products and Services for the Internet of Things
May 15, 2015
Nearly everyone agrees the Internet of Things will create unprecedented business opportunities that will dramatically change the way almost every industry operates. There is also universal agreement that the IoT will force organizations to rethink the fundamental nature of their products and services. One company that has become a leader in the rapidly evolving IoT market is PTC.
EMC's ViPR Slithers Into Open Source
May 6, 2015
EMC on Wednesday announced it will release its commercial ViPR software storage controller technology as an open source project called "CoprHD." The ViPR software controller puts the control functionality and the data services into separate operational planes, allowing different data services to be layered onto a set of storage hardware products and cloud storage.
Microsoft Fires Up Its Business Engines
May 5, 2015
Microsoft on Monday announced a slew of products and services for IT professionals at its first Ignite conference, being held in Chicago through Friday. Among them were the Microsoft Azure Stack, its next-generation hybrid cloud, and Windows Update for Business, a new management option for Windows 10 that will keep devices up to date with the latest security updates and Windows features.
VMware Draws on Open Source to Manage Cloud Micro Services
April 28, 2015
VMware last week released details about two new open source projects -- Project Lightwave and Project Photon -- that aim to bridge the divide between the company's virtualization software and other vendors' containers. Both projects integrate into VMware's unified platform for the hybrid cloud, allowing the company to create a consistent environment for cloud-native and traditional applications.
Quosal Lets Salespeople Add Video Spiels to Quotes
March 20, 2015
Quosal has announced a new feature that lets salespeople record a personal explanatory video to go with their quotes and proposals. Videos can be posted directly to Quosal's proprietary Order Porter purchasing experience for clients. "If the video can take the load off of having to read all of a proposal -- or, more likely, explain some gray areas -- then great," said analyst Denis Pombriant.
RHEL 7 Atomic Host Bolsters Container Security
March 9, 2015
Red Hat last week made Red Hat Enterprise Linux 7 Atomic Host generally available, following a four-month live beta test. "The beta release was very successful," said Lars Herrmann, senior director of product strategy at Red Hat. Feedback from customers and partners "helped us refine several features and tools" for the GA version. Atomic Host is a lean OS designed to run Docker containers.
Just Showing Up Won't Capture Federal Cloud Business
March 3, 2015
The observation that "80 percent of life is just showing up," generally attributed to comedian Woody Allen, has morphed into the admonition that "80 percent of success is just showing up." However, it appears that vendors who just show up with a generalized approach to marketing cloud technology to federal government agencies likely won't attract much business.
Amazon WorkMail Lifts Back-End Email Burden From IT's Shoulders
January 30, 2015
Amazon is making a play for the enterprise email market. Offered by Amazon Web Services, WorkMail targets companies that want to move their on-premises email services to the cloud. WorkMail reduces complexity and cost. With all mail infrastructure relocated to Amazon's cloud, a company no longer need be concerned with buying hardware, installing patches, and installing mail backup systems.
Customer Science
January 28, 2015
Part of my new year routine has been ordering new business cards. In this electronic age, they are the only things I actually print, and I'm a writer! In a few weeks I'll publish a book, Solve for the Customer, in paperback, and the two are related. I made a discovery while writing the book that fundamentally changes what I do for a living and the title I use, hence my need to reprint.
Engage.cx Makes Customers an Offer They Can't Lose
January 27, 2015
Engage.cx just secured $2.9 million in Series A financing. The round of participating investors is noteworthy, but for the CRM industry the real intrigue lays in Engage.cx's premise -- or rather, promise: how to present a unified cohesive customer service operationr, no matter which channel is used. Other vendors claim they can do this, but Engage.cx is taking a novel approach.
The Brave New World of Windows 10
January 23, 2015
Microsoft on Wednesday unveiled a slew of new features and capabilities coming in Windows 10: the convergence of the desktop and mobile; the advent of the killer universal app; more power and features for personal digital assistant Cortana, which will be on mobile as well as desktops and laptops; improvements to maps; a new browser; a strong emphasis on gaming; and holographic computing.
The Top 20 CRM Blogs of 2014, Part 2
January 20, 2015
The second half of the Top 20 Bloggers list is the half that holds the most surprises and fresh faces. This year, it also has the most variety -- from non-English speakers to blogs targeted at small businesses -- as well as plenty of marketing-oriented content. There also are some re-entries to the list who have rediscovered their blogs and come roaring back.
What SMB CRM Shoppers Want
January 19, 2015
CRM is expected to grow at a steady pace, and CRM customers are sending some specific signals about the functionality they need. Thirty-seven percent of small-and-medium-sized businesses that participated in its annual survey want an integrated suite of multiple CRM applications, Software Advice reported last month. That's up from 7 percent in 2013.
Docker Security Questioned
January 15, 2015
Security questions recently have been raised about Docker, a promising technology for running applications in the cloud. Docker is an open source initiative that allows applications to be run in containers for flexibility and mobility only dreamt of in the past. "Since the 70s, programmers have been talking about reusable code and the ability to migrate applications," noted IDC analyst Al Gillen.


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News Archive
Complementary tools for RBA to conservation
At the XIII World Forestry Congress held in Buenos Aires, Argentina, the IUCN Environmental Law Centre (ELC) hosted a side event to present complementary tools for Rights-based Approaches (RBA) to conservation which have been developed in collaboration with IUCN partners. As a highlight of the event, the new RBA to conservation portal was launched. Developed by the ELC, the RBA portal is intended to serve as a central point for collecting relevant information on RBA to conservation and sharing it with the larger IUCN community. The RBA portal can be accessed at www.rights-based-approach.org. …
30 Oct 2009 | News story
Compensación por servicios ambientales: cada país construye su propio camino
Colombia cuenta con una estrategia nacional de pago por servicios ambientales en proceso de formalización; en Perú, el congreso discutirá próximamente el dictamen que surgió de la unión de dos propuestas; en Ecuador se trabajará pronto en una reglamentación, aunque ya se implementan esquemas voluntarios de compensación por agua y carbono. …
27 Oct 2009 | News story
0 Comments | Write a comment
Writing the rule book on REDD
Since 2007, reducing emissions from deforestation and forest degradation in developing countries (REDD) has become a major focus in negotiations over renewed commitments under the United Nations Framework Convention for Climate Change (UNFCCC). An effective REDD mechanism may enable developing countries to merge the goals of national forest protection with sustainable development, while providing a potentially effective and efficient climate change mitigation option to help combat climate change. For successful REDD regimes, national governments must have effective national legal frameworks to ensure that forests remain intact and standing on a permanent basis.
27 Oct 2009 | News story
World Forestry Congress - BSAS
The World Forestry Congress was held in Buenos Aires, Argentina from October 18th to October 23rd. The IUCN Commission on Environmental Law was involved in a side event addressing Forestry Law in Argentina which took place on October 19th from 6:30 PM to 8:30 PM at the Argentinean Rural Society's Calden Hall.
This side event was co-organized by the Political and Social Studies Institute (IEPS) and the Federal Forestry and Environmental Law Institute from the Catholic University of Santa Fe's Law School and Political Science Department with the support of IUCN and CEL.
27 Oct 2009 | News story
Conservation with Justice: A Rights Based Approach
The term 'rights-based approach' (RBA) has been used in various contexts and defined in different ways. The newest IUCN publication "Conservation with Justice: A Rights-based Approach" aims at informing all actors (governments, the private sector, local communities, non-governmental organizations) about the RBA and its potential contribution to guiding activities that, if unrestrained, may have a detrimental impact on nature conservation.
23 Oct 2009 | News story
Current Situation of the Law on the Conservation of Soil as a Resource: Strategies and Vision
On Monday, September 28 the "Current Situation of the Law on the Conservation of Soil as a Resource: Strategies and Vision" conference took place in the School of Law of the University of Buenos Aires, Argentina. The event was organized by IUCN's Commission on Environmental Law, the University of Buenos Aires School of Law , the Argentinean Ministry of the Environment, the Law for a Green Planet Institute and IDEA (Institute of Environmental Law and Economics). Distinguished authorities such as Justice Ricardo Lorenzetti, Justice Antonio Herman Benjamín and world specialists on Soils and Desertification participated in the conference. …
09 Oct 2009 | News story
Forest governance and climate policies
Fred Stolle of the World Resources Institute looks at the need for REDD to address forest governance issues as well as creating market incentives. …
01 Oct 2009 | News story
2 Comments | Write a comment
A fresh face for the Environmental Law Programme
We are happy to announce that Sarah Lucas, from Réunion, joined the team at IUCN Environmental Law Centre as a Junior Legal Officer on 1 September. …
22 Sep 2009 | News story
Invest in nature, ensure water resilience
World Water Week, held in Stockholm, Sweden, from 16 to 22 August, gathers more than 2500 experts to help resolve the growing water crisis. Less than one percent of the world's fresh water is readily accessible for direct human use. …
14 Aug 2009 | News story
Mr. Achim Steiner, UNEP Executive Director, visits the High Court of Brazil
Full story here …
13 Aug 2009 | News story


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Written by
The Big Idea Listings Manager
6 Dec 2012
Interests The Big Idea is a self-help website but there are times when the creative community needs a hand. Lena Days is the Listings Manager and looks after the Jobs & Opportunities section of the site. Lena also manages the Display Advertising on the site.
Also written by The Big Idea Listings Manager
Orchestra Wellington / Music
Orchestra Wellington / Music
Regional Parks, Auckland Council / Design


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How Many Lortab 10's does it take to equal an oxycontin 20?
- Posted:
- 28 Apr 2011 by TaNk187
- Topics:
- lortab, oxycontin, rheumatoid arthritis, pain
Responses (1)
You can go to the following website and use the conversion calculator to determine:
I beg to differ, I took one oxycotin 20mgs and it took me exactly 2 10mg LORTAB to equal the relief I got from the oxycotin. might be just my tolerance level but I been taking lortab (two pinkies) and its the same relief.
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I am 34 yo and suffering from a very aggressive and degenerative form of arthritis?
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Newegg.com - A great place to buy computers, computer parts, electronics, software, accessories, and DVDs online. With great prices, fast shipping, and top-rated customer service - once you know, you Newegg.
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What type of DVI Connection is it?
This review is from: Steren 516-008 HDMI to DVI Adapter
Pros: Unknown.
Cons: Unknown.
Other Thoughts: There are several variations of the DVI connector with the most notable difference being the number of pins or slots present to mate with said pins; the photo shows the side of the adapter without the pin configuration and the title is equally as vague.
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This review is from: Steren 516-008 HDMI to DVI Adapter
Pros: nothing good about this order!
Cons: Address was transmitted incorrectly so UPS was unable to deliver. They would not deliver when called but insisted that a card mailed to the insufficient address (?) had to be filled out and returned. I ended up canceling the entire order.
Other Thoughts: The clerk who accepts the web order needs to be careful about transmitting the address correctly to the vendor/UPS so delivery can take place.
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Thanks, Living Rich With Coupons for the deal and photo!


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The Nuclear Sell: Why One Swedish Town Welcomes a Waste Dump
Hosting a permanent nuclear waste repository is not high on the list for most municipalities. But residents of the Swedish town of Östhammar are 77 percent in favor. Transparency on the part of politicians and industrial leaders has made the difference.
The Baltic Sea is still frozen over off the Swedish coast at the site of the Forsmark nuclear power plant, where a short drive up a narrow gravel road leads to a peninsula with a small, man-made lake at its tip.
Edelsvärd nods his head in the direction of the lake. "I like coming here in the summer when the weather is bad," he says, "because the lake is as warm as a swimming pool by then. The kids really like swimming in it."
Edelsvärd, a slender man in his mid-50s, is wearing a light trench coat and jeans. He isn't dressed for such an icy wind, but he claims that he doesn't feel the cold. It's all a question of attitude and willpower, he says. Edelsvärd, who once taught history and politics, now organizes exhibits and other projects in Östhammar, a town of 22,000 inhabitants a two-hour drive north of Stockholm.
Edelsvärd bought a weekend house here 10 years ago. It's only 200 meters (656 feet) from his deck to the beach, where you can see the reactors. But the view doesn't make him uneasy, he says. In fact, he still feels good about his purchase today, and he feels that real estate prices are actually going up.
A Less-Than-Inspiring View
"When you sit outside in the summer with a glass of wine, you can see the most beautiful sunset on the east coast of Sweden," Edelsvärd says.
But in the gray light of an overcast day, without a glass of wine in your hand, the view of the reactors -- three large white boxes jutting out of a Swedish forest -- seems less then inspiring.
In fact, the view resembles that of the Fukushima nuclear power plant in Japan before the recent disaster. But even Fukushima is not a subject that can dampen Edelsvärd's enthusiasm over his vacation house.
It's a matter of trust, he says, noting that he has a great deal of confidence in those three reactors out there, even though they operate according to the same boiling-water principle as the ill-fated reactors in Fukushima.
If Edelsvärd were to appear as a guest on a German television talk show, he might have to request security protection after the broadcast. He would be seen as a freak, a lunatic or a nuclear industry lobbyist dangerous to public safety in a country where politicians are scrambling to find the fastest way to phase out a form of energy that everyone now sees as diabolical.
Unusually Close Ties to Nuclear Energy
Edelsvärd is no misfit in Östhammar. Instead, he reflects how most people feel. One in five jobs in the community is related to the three reactors, the youngest of which has already been in operation for 25 years. As a result, local residents feel an unusually close bond to nuclear energy -- so close, in fact, that Östhammar has even applied for approval as the site for a permanent repository for nuclear waste. In an opinion poll, some 77 percent of residents said they supported the idea.
If all goes according to plan and the will of Östhammar's residents, Sweden's most hazardous nuclear waste will be stored there starting in 2020. The highly toxic radioactive material -- which will continue to emit radiation for at least another 100,000 years -- would be kept in a repository 500 meters below the surface. In fact, Östhammar would be the first place in the world where this is even possible.
People are doing well in Östhammar, says Edelsvärd. With unemployment at only 2 percent, he adds, the residents of the town wouldn't have had any need for the repository.
And yet most of them were determined to have it.
For years, local officials were worried that another town with a nuclear power plant -- Oskarshamn, which is 465 kilometers away and was also vying to be the site of the repository -- would end up winning the contest. The two towns decided to make a deal. The company building the repository, Svensk Kärnbränslehantering (SKB), would provide two billion Swedish krona, or about 223 million ($312 million), of which the runner-up would receive 75 percent and the winner only 25 percent.
But not in this contest.
- Part 1: Why One Swedish Town Welcomes a Waste Dump
- Part 2: Expressing Joy, Swedish-Style
- Part 3: Nuclear Waste Controllable and Not Utterly Objectionable
- Part 4: About-Turn on Nuclear Energy
All Rights Reserved
Reproduction only allowed with the permission of SPIEGELnet GmbH
- Photo Gallery: Why Welcome a Nuclear Waste Dump?
- Vulnerable to Plane Crashes: German Nuclear Reactor Safety Test Finds Flaws (05/17/2011)
- The World from Berlin: 'A Reliable Energy Supply' Without Nuclear Power (05/12/2011)
- Aesthetic Energy Autobahns: Can Designer Power Masts Win Over the Public? (05/11/2011)
- Defending Nuclear Power in Court: Utilities Could Block Merkel's Energy Revolution (05/10/2011)
- A Day Trip with a Geiger Counter: Fukushima Disaster Boosts Chernobyl Tourism (04/20/2011)
- Japan's Chernobyl: Fukushima Marks the End of the Nuclear Era (03/14/2011)
- Inside Gorleben: A Visit to Germany's Proposed Nuclear Waste Site (05/19/2010)
- The World from Berlin: Nuclear Slop in Leaky Mine Washes over Berlin (09/05/2008)


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Civil Rights Activism Is Still Needed after All These Years
Washington, Adrienne T., The Washington Times (Washington, DC)
The Leadership Conference on Civil Rights marked its 50th anniversary yesterday. In the span of my lifetime, I had hoped that such an organization would no longer be necessary in American society.
Sadly, this is not the case. The LCCR is needed just as much this year as it was in yesteryear. Despite obvious progress, the indisputable facts indicate that minorities in this country continue to suffer inequitable treatment in employment, education and housing.
And, in the critical area of criminal justice, "racial inequality is growing, not receding," according to the findings of a LCCR study released yesterday.
Wade J. Henderson, the group's executive director, agrees that the organization is still needed to combat racial discrimination and the vestiges of segregation. The LCCR - founded in 1950 by A. Philip Randolph, Roy Wilkins and Arnold Aronson - is a coalition of 180 national organizations working to advance civil rights law and policy.
As evidence of their current value, LCCR released a compelling study laden with "startling" statistics indicating that "the United States has two separate, unequal standards of justice for whites and minorities."
One of the most shocking statistic indicates that three out of every 10 black males born in the United States today will serve time in prison. And Hispanics represent the fastest-growing group being imprisoned - their rate of incarceration has doubled during the past decade.
"The color of a person's skin is a better indicator of how long a person's sentence will be, whether or not the person will be pulled over by police, whether or not a person is given the death penalty, what kind of plea bargain a person is offered or whether or not a juvenile is tried as an adult than any other indicator," wrote the authors of "Justice on Trial: Racial Disparities in the American Criminal Justice System."
Mr. Henderson, speaking yesterday at the National Press Club, said, "This report should make it clear to law enforcement, the court system and to elected officials we need to re-examine the way we pursue criminal justice in this country."
However, he added, "We're not suggesting that we establish laws that take it easy on minorities. We want fairness."
Laura W. Murphy, of the American Civil Liberties Union, said the disparities are not justified.
She noted that minority youths are more likely than whites to be treated as harshly as possible at each step in the criminal justice system even when compared only with whites youths of similar age, gender, offense and record.
Based on data from the U.S. Justice Department, the FBI and other law enforcement agencies, academic studies and research conducted by civil rights organizations, the comprehensive study indicates among other disparities that although blacks and whites have the same rate of drug use, blacks constitute one-third of those arrested for drug offenses and 59 percent of those convicted. …


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Key things you need to know aboutDr. Luel:
Dr. Luel's Experience
Research training, expertise and qualifications
Dr. Luel's Care Philosophy
Dr. Luel's Specialties
- Psychoanalysis
Procedures Dr. Luel Performs
- Psychological Testing
- Psychotherapy Services
Conditions Dr. Luel Treats
- Acute Stress Disorder (ASD)
- Anxiety
- See all 17 conditions
More About Dr. Luel's Background
Patient Satisfaction
Patients' feedback on their experience with Dr. Luel
Likelihood of recommending Dr. Luel to family and friends is 5 out of 5 5 1 1
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8 Facts About Patient Satisfaction Surveys
Patient satisfaction surveys provide a standardized way of reporting about healthcare experiences. But there can be more than meets the eye when reviewing scores. Here's what you should know
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Check insurance plans, locations and make an appointment
- 11406 Queens Blvd
- Forest Hills, NY 11375
- (917) 921-3264
- Directions
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- Dr. Steven A. Luel
- Dr. Steven A. Luel
- 1651 3rd Ave
- New York, NY 10128
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Code of Practice for Accurate Bills
Energy UK has worked with British Gas, EDF Energy, E.ON, RWE npower and ScottishPower to develop the 'Code of practice for accurate bills' or 'billing code'.
The billing code only applies to domestic customers.
Scenarios document
The billing code scenarios are a collection of frequently asked questions which many customers have about their energy bills and the billing code. We have developed the scenarios with input from the billing code members and are designed to explain the specific areas of the billing code.
Back billing
A back bill is a 'catch-up' bill sent to you by your gas or electricity supplier when you haven't been correctly charged for your energy use (for periods of 12 months or more). If your supplier is at fault and has not sent you an accurate bill, that they should have sent you, they will not ask you to pay any extra for energy you used (and which you did not receive an accurate bill for) more than one year before they issued the bill.
The back billing scenarios document has been developed with input from suppliers to reflect the principles which all of the major energy suppliers follow relating to back billing.
Billing code audit 2015
Customers can have greater confidence in the accuracy of their energy bills as a result of the voluntary industry billing code. This sets out commitments that participating suppliers are rigorously audited against.


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Free eats? Customers biting
Fast-food chains try to boost business
Denny's in February drew nearly 2 million people in eight hours with a free breakfast giveaway advertised during the Super Bowl. Company executives raved about it.
Kentucky Fried Chicken in May offered free grilled-chicken meals, then halted the giveaway amid high demand. The CEO had to apologize on YouTube.
It turns out that there is such a thing as a free lunch if you know where to look and show a bit of restraint.
Just ask Carl McCall. He was among the bargain-hunters who ate two free tacos at the nation's 2,200 Jack in the Box restaurants yesterday, courtesy of a coupon printed off the San Diego-based chain's Web site and promoted entirely online.
Others around him downed their two tacos, normally 99 cents, and complementary — though not complimentary — drinks, french fries, onion rings and burgers. McCall, 53, a North Park retiree, put away only the giveaway.
"Just the tacos," he said. "All I could afford."
In this brutal economy, fast-food restaurant chains are increasingly turning to giveaways to boost business and build clientele in the hope that customers will spend more in the store and keep coming back.
Many chains — from Arby's to Jamba Juice — are offering buy-one, get-one-free promotions this year, but others have made free the new cheap.
Since Denny's advertised free breakfasts during the Super Bowl, similar promotions are everywhere. Kentucky Fried Chicken gave away grilled-chicken meals in May. Starbucks gave away pastries in July. McDonald's gave away coffee in July and August. Jack in the Box gave away tacos both Tuesdays this month.
And Pick Up Stix created a small Internet stir in June when a coupon promoting a free entree with no purchase appeared online, only for the company to announce as word spread that it was invalid and wouldn't be accepted.
A lot is at stake during these grand-scale giveaways, as two high-profile examples show.
Denny's announced that it served about 2 million Grand Slam breakfasts over its eight-hour event in February, an average of 130 per restaurant per hour. Denny's CEO Nelson Marchioli said in a statement that the promotion "exceeded our expectations in every way," even with the $5 million cost of the food, the Super Bowl ad and other production costs.
Denny's same-store sales fell 0.9 percent and guest counts dropped 0.2 percent from the first quarter of 2008 to the first quarter of 2009. But Chief Financial Officer Mark Wolfinger touted the giveaway's effectiveness in a May conference call, saying, "The benefit of the Super Bowl promotion carried past the day itself and helped to drive a significant improvement to our trend."
KFC's May giveaway, promoted by Oprah Winfrey on her TV show, led to levels of traffic "not seen in the brand's 50-plus-year history," a company news release said. Yet it left some customers annoyed and unhappy when overrun restaurants stopped honoring coupons and gave away rain checks instead, which prompted the CEO to issue a public apology on YouTube.
The bad publicity didn't end there. A lawsuit was filed in Los Angeles Superior Court in June, alleging a bait and switch. The lawsuit seeks damages and restitution on behalf of KFC customers for, among other things, the cost of printing the Internet coupons, traveling to KFC restaurants and buying food when people were told that the coupons couldn't be redeemed.
It could become clearer in future financial reports whether these giveaways are paying off in terms of customer sales or loyalty, but that uncertainty isn't preventing more deals from being offered.
Such discounts have been a staple of restaurant rivalries for decades, but the bad economy, high unemployment and the buzz on social-networking sites such as Facebook and Twitter have fueled new levels of competition.


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Alumni Services
Welcome to the alumni resources through collegecentral. Please make sure to post a resume as many employers look through the resumes instead of posting jobs. Make this site work for you and enhance your chances to connect with an employer by utilizing all of the tools. :)
Please take the survey that applies to your status. We will be using this information to best serve our students and therefore best prepare your future employees.
Upcoming Events & Programs
About Our Services
You must register with CCN to use our services. Once registered, you may:
- Search for jobs posted exclusively to McFatter Technical College; search the Jobs Central® national job board and the Intern Central® national internship board.
- Build a résumé with Résumé Builder, or upload a résumé file to Resume Central® so it can be searched by employers (if you so authorize). Your résumé will be reviewed by our office and must be approved before it can be sent to employers or submitted online to posted jobs.
- Build an online portfolio in Career Portfolio Central® to support your résumé and demonstrate your best work to employers.
- Review your job search history. Report offers/hires.
- Receive emails about programs, services and job-related topics.
- Gain access to announcements, upcoming events, career advice documents, career advice videos, podcasts, and career articles from over 125 authors.
- Search our Mentoring Network to find profiles of people who work in your fields of interest and contact them online.
- You may also join our Mentoring Network without registering in Alumni Central. However, you must register in Alumni Central to take advantage of all online services. This includes the opportunity to search and network with other Mentors.
- If you only wish to complete a Mentoring Profile, please go to our Mentoring Network page.


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The University of East Anglia (UEA) opened its doors in 1963 to a total of 87 undergraduate students. People had long talked about opening a university in Norwich, but the higher educational needs of the post-war generation gave the institution a kick-start. It now has over 15,000 students, and celebrates its 50th birthday in 2013.
Courses and Teaching
UEA's most popular courses are Adult Nursing, Accounting, Business Management, Economics, History, Law, Medicine, Pharmacy, Physiotherapy and Psychology.
Undergraduate degrees at UEA cost £9,000 per year, with years abroad and years in industry charged at £1,350 and £1,250 respectively.
Student Life
Norwich was once renowned locally for having a pub for every day of the year and although this may not be the case now, there are still a large number of pubs to choose from, as well as a variety of clubs and two open air theatres at Norwich Castle and Norwich Cathedral. Students also have the option of joining the Union of UEA Students, which runs several bars, eateries and venues, including the LCR and Waterfront venues.
The University of East Anglia campus is set in 300 acres of parkland, two miles from the centre of Norwich.
All halls of residence, with the exception Mary Chapman Court, are within a 10 minute walk of the centre of the campus. Prices for the 2013/2014 academic year start from £2,923.34 for a standard single with shared facilities rising to £4,537.96 for an en suite premium room.
UEA's library is open 24/7. The Sainsbury Centre for Visual Arts is an on campus museum, housing the Robert and Lisa Sainsbury Collection. Modern work by artists such as Henry Moore, Pablo Picasso, Alberto Giacometti and Francis Bacon sits alongside art from Africa, the Pacific, the Americas, Asia, Egypt, medieval Europe and the ancient Mediterranean.
The university's £30 million Sportspark is now the biggest indoor sports centre in Britain. The sports facility has an Olympic-sized swimming pool, athletics track and gym, as well as an extensive range of activities including aerobics, archery, athletics, badminton, basketball, climbing, cricket, fencing, hockey, indoor football, martial arts, squash, table tennis, trampolining and yoga.
UEA's notable alumni include author Ian McEwan and Radio 1 DJ Greg James.
Bus: A bus service runs from the rail station along Newmarket Road direct to the university campus on Mondays to Fridays during term time. Click here for more details.
Rail: Norwich Rail Station is just over five miles from the UEA. Students are advised to take advantage of the 16-25 railcard for cheaper fares across the country. See National Rail for detailed information regarding specific services and fares.
Coach: National Express coaches run on a daily basis to and from Norwich from other major towns and cities.
Air: Students are advised to travel to Norwich Airport. This airport receives regular domestic and international flights and is only 20 minutes away from the university campus.
Contact information
Address: University of East Anglia, Norwich, NR4 7TJ
Telephone: 01603 456161
Website: www.uea.ac.uk
• To update any of the information in this profile, please email email@example.com


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Special Order
What if Captain America was supernaturally empowered and on a mission to meet his maker?
The psychological, supernatural, action thriller throws you into a full throttle race to find out.
About the Author
Colonel Dave Elliott, MD, US Army Medical Corps (Retired), a practicing surgeon who formerly served as Trauma Consultant to the US Army Surgeon General, as well as the commander for a rowdy unit of medical paratroopers, currently works for Medecins Sans Frontieres (Doctors Without Borders). Between missions, he resides in Richmond, Virginia, with his wife and two lazy, corpulent felines.


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Customer Reviews
2 of 2 people found the following review helpfulApril 04, 2011Reviewer: Emily in WashingtonChocolite bars are delicious! Eating more than one piece tends to lead to intestinal distress for me, even with the bars that don't contain malitol. Portion control is key with these if you are sensitive to sugar alcohols. But they taste amazing and don't seem to interfere with my weight loss (in moderation) so I'll continue ordering them.
April 17, 2014Reviewer: Olivia in FloridaThe chocolate is very good but the peanut filling creates a great deal of gas. Do not bring to work :/ I have just ordered the nougat and I hope this is enjoyable.This review is specific to Chocolite White Chocolate Peanut Butter Patties
December 26, 2013Reviewer: Laura in WashingtonHave tried the Peanut Butter Patties and the Chocolate Caramel Pretzel bars so far. The peanut butter patties are good -- the texture of the filling is somewhere between a Reese's Peanut Butter Cup and a Butterfinger. Tasty and low-calorie/low-carb...though I think I prefer the Chocolite solid chocolate peanut butter bars for my chocolate/peanut butter fix. The flavor of the chocolate caramel pretzel bar is quite good, but the caramel is so tough and chewy it makes them hard to eat. (On the plus side, I guess that probably helps with portion control!)
May 15, 2012Reviewer: A customer in WisconsinThe flavor is good, but the bars are small. Not good for a meal replacement, just a snack.This review is specific to Chocolite Bars, Caramel Chocolate Nougat
February 13, 2009Reviewer: eliza in FloridaThis is the most delicious bar I have tried, never mind the fact that my 11 yr old liked it. But I could not give it 5 stars because it has fractionated oil in them. Why would they do that?
May 22, 2008Reviewer: Shirley in FloridaThey're all good. None taste like diet food, all taste like candy. Not overly sweet.
October 13, 2007Reviewer: Melissa in MichiganChewwwwwwwwwwwwwwwwwwwwwwwwy! Wow! These keep my mouth busy for a while, and they don't seem to bother my digestive system too badly, either, which is a bonus. They're a nice midday snack to give the mouth a substantive job and quiet the belly, but they don't have quite the depth of flavor or sweetness I crave from something that would substitute for candy, and that's what I bought them for.This review is specific to Chocolite Bars, Chocolate Peanut Chews


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Kurt, an attacking midfielder who is considered among the most talented young players in Germany and is an Under-19 international, was Bayern's third signing this week.
Gladbach were unwilling to sell him but the player, whose contract ran to 2016, had repeatedly said he wanted to move to Munich.
Defender Mehdi Benatia and midfielder Xabi Alonso have also been signed as Bayern look to fill the gaps left by a string of injured players, including Bastian Schweinsteiger and Javi Martinez.
Play Yahoo Fantasy Premier League: Build your ultimate football team and beat your mates
- Soccer
- Sports & Recreation
- Bastian Schweinsteiger
- Mehdi Benatia


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Calixta Cirila
Quevedo, Ecuador
Loan Overview
Repayment Schedule
Calixta lives in Quevedo where she has had a grocery store for 12 years. At first she only sold soft drinks and it went well. While smiling, she tells us that she never thought that people could drink so much cola! In time, her business grew and her customers began asking for other products. Today she has a well-stocked store and she works from Monday to Sunday, from 6:00 AM to 9:00 PM.
Her focus is to manage her store, but she does get help from her relatives when she needs it. Although she is 61 years old, she is still active and enjoys working. We ask her if there are some inconveniences in her work and she tells us that there are not, except that at the moment she is a bit sick.
Calixta is divorced and she has four adult children that are independent. With this loan she will buy products for her store such as soft drinks, confetti, tables, and chairs. Her goal is to remodel her home which will help improve her neighborhood and local community.
Translated from Spanish
Kiva volunteer
Andrea Connelly
View original language description ↓
Calixta vive en quevedo inicio su tienda de venta de abarrotes hace 12 años. en un principio vendía solo gaseosas, partiendo de ahí tuvo gran acogida. Entre risas nos cuenta que nunca pensé que la gente tomara tanta cola. Con el tiempo su negocio fue ganando acogida con lo cual los clientes empezaron a preguntar por otros productos. Hoy en día tiene una tienda mas surtida con lo cual trabaja de lunes a domingos desde las 6 de la mañana hasta las 9 de lo noche. La atención está a su cargo pero recibe ayuda de sus familiares cuando se encuentran de visita, a pesar de tener 61 años se mantiene activa y le gusta. Le preguntamos si tenía algún tipo de inconvenientes en su trabajo y nos informa que no, pero en lo referente a su salud a estado algo enferma. Calixta es divorciada, tiene 4 hijos todos mayores e independientes. Con el crédito comprara productos para su tienda como gaseosas, confetis, mesa, sillas. Su meta a futuro es remodelar su casa para mejorar su local y aumentarlo.
Additional Information
About Banco D-MIRO
Banco D-MIRO
is a microfinance institution that serves the most vulnerable sectors of Ecuador's economy. It offers very small loan sizes without requiring collateral, expanding access to borrowers who would not otherwise be able to access capital to start and grow their own businesses. It also specifically targets borrowers who are excluded from formal financial systems due to race, ethnicity, gender, disability or illness.
About Ecuador
Average annual income
View loans »
Ecuador Loans Fundraising
Funds lent in using Kiva
US Dollars
Loan transacted in USD
Success!! The loan was 100% repaid
A loan of $650 helped Calixta Cirila to buy soft drinks, party decorations, tables, and chairs.
Find a Loan
Repayment Term
14 months
(Additional Information)
Repayment Schedule
Apr 18, 2012
Jun 2, 2012
Currency Exchange Loss:
May 17, 2013


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Navigators: Ancient Greece : Ancient Greece was one of the greatest civilizations the world has ever known, and this book is an eye-popping introduction to the historical, cultural and intellectual legacy of this important culture. Young readers can climb aboard an Athenian trireme at war, plunge into the bloody conflict with Troy, see how the famous gods of Olympus were worshiped, watch traditional Greek theatre, and learn from some of the greatest scientific, artistic and philosophical minds of all time. Special features and links highlight contemporary websites, books and film that draw on the same content, creating connections for further exploration.
|Niños y Jóvenes


text: Photo Galleries The airy sculpture of Reed Bmore Street artist Reed Bmore uses wire and his surroundings to create lyrical and airy figures that hang from light posts and traffic signs. Blink and you'll miss them. This photo gallery is featured in these articles: Noise Man on Wire: A Baltimore street artist takes his signature creations off the wall and into the air


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VIDEO: Tiger Woods' ball moves at BMW Championship
More Golf: Leaderboard | Rankings | Schedule | Expert Picks | Equipment | FedEx Cup
Tiger Woods was assessed a two-stroke penalty for his ball moving on hole No. 1 on Friday at the BMW Championship. You can see above in the first few seconds that Woods' ball clearly moves.
A videographer (presumably the one who took this video) pointed out the movement to the PGA Tour.
After his round Slugger White (a PGA Tour rules official) told Woods about the penalty and showed him the video. White said that Woods had thought his ball had only oscillated slightly.
It seems like we can't make it through a month without another Tiger Woods called-in penalty.
Related: It sucks to be Tiger and have cameras on you for every single thing you do.
For more golf news, rumors and analysis, follow @EyeOnGolf and @KylePorterCBS on Twitter or Google+ and like us on Facebook.


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Back and Forth – Arik SinaiProduct ID: CDS-TS-23303
People who bought this item also bought:
Back and Forth – Arik Sinai
Israeli music phenomenon Arik Sinai's latest album "Back and Forth" includes numerous singles and includes five songs produced by recording legend Shmulik Neufeld.
Back and Forth – Arik Sinai
This latest album by Israeli rock star Arik Sinai features the writing of some of the best song writers in Israel and includes 10 songs that are expected to become classic Israeli songs. This album features songs by Shimrit Or, Meir Goldberg and Rachel Shavit amongst many other and was produced by Shmulik Neufeld, Moshe Daboul and Assaf Amdursky. This album includes the single the "The Way" that has electrified audiences all over Israel.
This item is a perfect anniversary gift idea for the lover of Israeli music!
Song List:
1) Holech Uva
2) Lehitahev
3) Noblus
4) Mechakim LeSiman
5) Nofel
6) Mishtakef Be'Einayich
7) Al Tid'agi Yaldonet
8) Hu Rotzeh Ahava
9) Horef
10) Derech


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Approximately 3 million people in the U.S. are allergic to peanuts or tree nuts, according to Food Research and Education, and the number of children with peanut allergies tripled between 1997 and 2008. Because the most severe of peanut allergies can be affected by airborne particles, some schools have banned peanuts entirely. While this makes it safer for those with allergies, it poses a challenge for parents used to packing PB&Js for their children.
Peanut-Free Lunches and Snacks
If your child insists on a peanut butter and jelly sandwich, look at potential substitutes. If tree nut butters are still allowed, you can make the sandwich with almond or cashew butter; if not, use a butter made from sunflower seeds. Other sandwich options include ham, turkey or roast beef, chicken, tuna or egg salad. For snacks, skip peanut-butter filled crackers, peanut-laden trail mix or kid-friendly "ants on log," or celery filled with peanut butter and raisins. Instead, provide whole wheat pita chips with hummus, raw veggies or cut fruit or a trail mix made from pretzels, raisins and dark chocolate chips -- all peanut-free foods.
Be Cautious
Just a smidgen of peanut butter can contaminate an otherwise safe food, so careful avoidance of peanut products in your kitchen is a must for preparing peanut-free foods to send to school. In addition, peanuts or peanut residue can hide in places you least expect, such as snack foods, cookies or crackers that don't contain actual nuts, but are processed in facilities where peanuts are used. The Food and Drug Administration requires foods that have traces of peanuts labeled with "contains peanuts" or provide the source of the allergen in the ingredients list. However, fresh fruits and vegetables, foods regulated by the USDA -- including meats, poultry and certain egg products -- restaurant foods and supplements are exempt from the law.
- Photo Credit msheldrake/iStock/Getty Images
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Not only were the rooms clean and comfortable, but the staff was friendly and helpful.
The sheets and bathroom were very clean. Convenient location
I was followed from the parking l lot into the hotel by strange men.it really scared me. Luckily the cleaning lady was in the hall and I was able to get to my room. The next day I saw them again and the followed me outside. It really scared me. I ran to office and got the hell out of there. The hotel was also really out dated. Nothing like the pictures.
Hell no everything was bad
I didn't like nothing it was the worst
No beach access. No amenities
location, location, location! right in the thick of all PC attractions; clean, well maintained room, nice staff, easy check in/check out
air conditioning kept the air in the room a little damp
Considering that it seems a bit older the staff has done a GREAT job about upkeep and cleanliness of this hotel! Hands down my husband and I would stay here again! Great price and great location.. Only a short walk to the beach!
We stayed in the room closest to the road (101) and at about 4 am there was a LOUD screeching noise and some noises that sounds like a hurricane or some random storm and a LOT of screams! We found out after waking from a dead sleep to almost having a heart attack and thinking we needed to pull the mattress on top of us that it was a garbage truck! WOW we thought we were about to die on our anniversary! Whoa
I was close to the beach with easy access to the main roads. Staff was supper friendly and awesome! A/C was turned on so the room was cold when I got there!
Got a smoking room but didn't know to ask for a non smoking.
Cable was cool beds were comfortable
No breakfast
Naked man yelling Volgure things
The lady in the office was awesome, though her directions to restaurants and beach access wasnt great.
she did mention that i got a realy good rate on line for $55 and it was now like $88... I would have been way more dissapointed if i had paid $88.
The room was ok, had cigarette burns all over the place... it did not smell like smoke (it was a non smoking room) im guessing they were very old... the rooms could use some renovations/repairs to make it look nicer. It also looked like there were some extended stay people... which always makes a place look more like a welfare motel than a vacation spot.
For the lower rate, i would attempt to stay there again.
Loved that the hotel was on the beach! The staff was very friendly and accommodating. Excellent value!!
Could use some updating but the hotel was kept in immaculate order!
We loved that we were able to do anything there. The room was comfortable, spacious, and was a great stay for our money.
There wasn't anything that could have been better. It was all fantasti .
Everything was awful except for how close it was to the beach
This was an awful hotel! Paper thin walls, tiny rooms that weren't worth the money, nasty complex.
Cleanish, good location, awesome water pressure, friendly staff. If u want a 5 star hotel then u better pay 5 star prices. Otherwise bring some bleach in a spray bottle & maybe a bug bomb, walk in, drop off ur stuff, change into ur bathing suits, spray down the bathroom/fridge etc with bleach, turn off the a/c, set off the bomb & go have some fun cause that's what it's all about! Would stay again!
Balcony door was difficult to open/close, bathroom door wouldn't close, pillows were awful, flying roach greeted us, office was in a different location then hotel. We paid for a beachfront room with a bathroom & four walls & that's exactly what we got
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Jane E. Clair died Wednesday, Aug. 13, 2014. She was 79.
She is survived by her beloved husband of 60 years, Herb; her daughters, Jinny Kirk and Denise Hackney; five grandchildren and three great grandchildren.
Relatives and friends will be received by the family from 9 a.m. until the funeral service at 10 a.m., Saturday, at St. Stephen's Lutheran Church, 65 E. Street Rd., Feasterville. Interment will be in Sunset Memorial Park.
In lieu of flowers, please donate to St. Stephen's Church in Jane's name.
Condolences may be expressed at the funeral home's Web site listed below. Hoffmann Funeral Home,


text:
From Comcast SportsNet
By Ralph D. Russo, The Associated Press
If you like sequels, the BCS has a championship game for you: Alabama-LSU II.
2011-12 Bowl Schedule
From Comcast SportsNet
Out of 120 FBS teams (formerly known as Division 1-A) only 44 will be in action this week.
BOX SCORENEW YORK (APCSN) Josh Owens made his first nine shots from the field and finished with 21 points to lead Stanford to an 82-67 victory over Oklahoma State on Wednesday night in the semif


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Simplicity. It is the best word to describe NCAA Football 14. Everything from the user interface to the game's featured mode is meant for focus to be on actually playing the football game. NCAA Football 14, from a technical perspective, is the best version of this generation. With the inclusion of the Infinity Engine 2.0, the game feels heavier as players have weight and momentum. Even with this, the game does have issues that have arisen, but plenty of aspects that have not worked in the past will work this time around.
With the Infinity Engine 2.0, the player physics are greatly improved. There is less clipping, and things such as tackles and blocking look and work better. Tackles are determined by the new Force Impact System, which takes speed, momentum, and mass into equation. No longer is the hit stick required, but it allows for bone jarring hits. It is nice to actually wrap up a ball carrier and bring them down. However, there are some issues with the new engine. Players will strangely bounce off at times, and it doesn't look well. Also, after a reception or a toss, the player will sometimes go in the wrong direction, or there is a stutter before running.
While the improvements help add a complete package to this generation's college football title, some of the same old issues occur. Even though the blocking is improved, defenders will still magically come off blocks to make a tackle. Also, there is a new stumbling animation involved, but can never seem to recover the player. Combos can be used with the right stick to help avoid tackles, but most of the time the A.I. will make a stop. But even with all this, it is nice to run screen plays, play actions, and option plays without knowing that they will be stopped all the time.
NCAA Football 14 has added a tutorial mode called Nike Skill Trainer. The mode features challenges that can unlock cards for the Ultimate Team mode. The most important aspect to this is understanding the read-option system. Another cool part of this is the Oklahoma drills. Not since the 16-bit days have players been able to play an important part of football practices. The Nike Skill Trainer is a nice addition for new players and veterans for a better understanding of how the game is played.
To go along with the gameplay, the presentation has seen an upgrade. For a more simple and streamlined entrance to your game, there are montages that look like they are pulled straight from an ESPN broadcast. The stat overlays in the game are a bit more diversed, but bugs exist with some of these stats. A new halftime show has been added that features David Pollock and is a nice touch. If you are lucky enough to own an Xbox 360 Arcade system, you will not get to see the halftime or post game show. Even the loading screen shows off some stats that give you a better idea of your opponent. Lastly, the Studio Updates have been toned down, but Rece Davis sounds more natural. Brad Nessler and Kirk Herbstreit return as the commentators, and while I feel they are still the right fit, the dialogue is still stale.
To continue with the simplicity aspect, the menu music has been reduced to two songs. There's been excellent and diverse menu music the past few years, but it's a shame to see this happen. The two songs you hear at every stadium has been added to help add to the modern stadium atmosphere. "Seven Nation Army" and the "Kernkraft 400" chants are played during your games. In addition, new player dialogue and even grunts help add to the enhanced atmosphere. You can also overhear PA announcers at times, which is a nice touch.
Graphically, the game remains roughly unchanged. Colors are improved and pop out more vibrantly. The game still runs smooth and some replays are gorgeous. The Infinity Engine helps with the lessened clipping. There is also a stamina meter under the player icons in the game. Overall, the game still looks really well as NCAA Football 14 has reached the peak of this generation. The menu resembles Windows 8, and is much quicker while navigating.
The same game modes exist in NCAA Football 14. Road to Glory returns, but is exactly the same as it has been in the previous years. The new Coordinator Cam adds a new look to use, but this mode needs an overhaul. Ultimate Team allows for online play and features offline challenges. The cards are former college players with some legends involved, including Bo Jackson. It can be a nice change of pace if you're looking for a break from your Dynasty.
The big overhaul has been implemented in Dynasty. Following the road of Madden to a degree, an RPG aspect has been added. Earning XP allows upgrades for your coach and coordinators. Rather it be recruiting, player enhancements, or gameplay assistance, it can help your team reach the top. Recruiting has been simplified with a points allocation system. Navigating through recruiting menus can take some time to adjust to, but ultimately ends up a nice touch. While the phone calls and personal aspect of recruiting are gone, things such as player preferences, visits, and scouting are still in the game to help along the way. The balancing act of points allocation can become addictive throughout the season, but ultimately lacks the immersion and depth of previous years.
Online Dynasty returns if you are fortunate enough to have a big group of serious friends to do this with. The experience online remains the same as it has from day one. There is a delay in the gameplay online, and this can be a bit more annoying with the momentum involved with the engine. The game will bog down at times depending on the connection. It's hard to believe that the delay remains an issue to this day, and will hopefully be addressed with the next generation.
While NCAA 14 might be the best addition of this generation, it feels a bit too late. The Infinity Engine as only incorporated last year in Madden, but it is disappointing that took so long. Everything has come together with the gameplay, but some of the same issues that have plagued the series still occur. Fans of the series will appreciate the changes, but outsiders will see this as another yearly sports game. At the same time, the simplification of recruiting relieves the immersion that was enjoyed in previous versions.
+ Infinity Engine allows for the best gameplay the series has seen.
+ Coach Skills Tree adds an RPG element to Dynasty.
+ Nike Skill Trainer is a fun tutorial mode that newbies and veterans can enjoy.
- Simplification of recruiting removes the personal aspect and immersion of Dynasty.
- Road to Glory is untouched.
- Online gameplay is a dated experience.
Overall: 8.5


text:
Other hotels in this area can be found on the map. Or have a look at one of these hotels:
234 Jaffa Street (Entrance from 17 Ha\'Tsvi Street), 94383 Jerusalem Show map
The Jerusalem Gold is an elegant hotel in the heart of the new city, next to the Central Bus Station and a 20-minute walk from the historic center.
Rooms at the Jerusalem Gold come with extra-long beds, Mahogany furniture, black-out curtains, and double glazed windows for extra soundproofing. You can choose your pillow from a menu. Modern facilities include air conditioning, fridge, video games, and a laptop-size safe.
The hotel is a stone's throw from the Jerusalem Convention Center, and the colorful Mahne Yehuda Market is within walking distance of the hotel. The city's major attractions, such as the Biblical Zoo, Time Elevator and Science Museum, are easily accessible by public transportation.
There are numerous restaurants, shops and entertainment venues a short walk from the Gold Hotel.
Rooms: 196
WiFi is available in all areas and is free of charge.
Private parking is available on site (reservation is not needed) and costs USD 15 per day.
These are general hotel policies for Jerusalem Gold Hotel. As they may vary per room type, please also check the room conditions.
From 15:00 hours
Until 11:00 hours
One child under 2 years is charged USD 10 per person per night in a crib.
The maximum number of cribs in a room is 1.
Additional fees are not calculated automatically in the total cost and will have to be paid for separately during your stay.
Pets are not allowed.
When booking more than 10 rooms, different policies and additional supplements may apply.
The hotel reserves the right to pre-authorize credit cards prior to arrival.
Based on local tax laws, Israeli citizens must pay VAT (Value-Added Tax).
This tax is not automatically calculated in the total cost of the reservation.
Please note that check-out on Saturdays and on Jewish holidays is at the regular check-out times. Guests who would like to extend their check-out time due to religious reasons should be aware that a supplement will be added to their room price.
Note for robots: we added the robots metatag "noindex,follow" to this page because it could be considered duplicate content with the page http://www.booking.com/hotel/il/jerusalem-gold.en-us.html which should be in the index.


text:
The date selection for time frames has quite an unrealistic scope to it. I doubt the year 3941 was intended as a starting point for the drop down!
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I am very satisfied with this denim blouse, I hope you will restock it because I would like to buy it again because I wear it very often! the only problem is that the buttons tend to unbutton themselves a bit easily, which can be annoying when I'm at work.. but it's ok.
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All-in-one place. One seriously amazing place.
HealthEast Clinic - Woodbury
Bring the entire family to the Woodbury Clinic. All the services you need are in one convenient location, known for attention to detail — and attention to patients. Access everything from our experienced heart care team to the Woodwinds' Ways to Wellness program and Natural Care Center, featuring acupuncture, chiropractic and more. The calming ambiance you'll encounter here is enhanced by the surrounding woods and wetlands. Is it a clinic or a sanctuary? We offer:
- Soothing setting
- Patient-centered clinic
- Prenatal and OB/GYN care
- Care guides (health care home) – unique members of the care team to offer access, support and resources
- Medication Therapy Management – work with a specially-trained pharmacist to learn more about your medications
- Access to all HealthEast services
- Appointment reminders via text, phone or email – whichever you prefer
- Free WiFi
Contact Woodbury ClinicContact us when you need an appointment made or a question answered.
651-232-6700 - answered 24/7
Midwife appointments: 651-232-0005
Fax: 651-232-6787
Chat now to make appointment
Clinic Hours
Monday - Friday, 7:30 am to 5 pm
Please call to see about same-day availability with your primary provider.
Walk-in Care
Monday - Friday, Noon to 8 pm
Saturday & Sunday, 8 am to 4 pm
More on Walk-in Care
Need an interpreter?
HealthEast offers interpreter services for limited English proficiency (LEP) and deaf and hard-of-hearing patients and families.
More on interpreters
We accept most insurance plans, including: Blue Cross Blue Shield, HealthPartners, Medica, PreferredOne, UnitedHealthcare, UCare and Medicare/Medicaid.
HealthEast MyChart
Using HealthEast MyChart, you can request appointments, send secure messages to your provider, review test results and much more. Go here to set up an account or see our frequently asked questions to learn more.
Visit the Woodbury Clinic
1875 Woodwinds Drive
Suites WL-20 & 150
Woodbury, MN 55125
For check-ups, immunizations, screenings, illnesses and health concerns.
Family Nurse Practitioner
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Our pediatricians and nurse practitioners work as a team, with a special emphasis on wellness.
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Woodbury Clinic is expandingDue to growth in the community, the Woodbury Clinic is expanding to two locations.
The new HealthEast Clinic - Tamarack is now open! It's located at Tamarack Road and Woodbury Drive. A new clinic on the Woodwinds Health Campus in the Oak Center building will be opening in 2016.
Living Better E-newsletterBe informed
Read our quarterly Living Better e-newsletter. It's your resource for health information and the latest happenings at HealthEast Clinics. Go here for past issues.
10 Questions to Ask at Your Next CheckupYour annual physical should be more than a quick checkup and a "See you next year, Doc."
It's your chance to strengthen your relationship with your health care provider and assess your medical outlook.
Ways to WellnessCreate a plan, find balance and reduce stress.
HealthEast Ways to Wellness provides a variety of services to optimize your well-being. We empower our clients to find ways to live a balanced life. We help you create a plan that can be implemented and followed — not a quick solution to a long-term issue. Whether you need help with motivation, weight loss, fitting in fitness, or reducing your stress, our expert staff is here to help you achieve your goals.
Our leadership team welcomes your questions and comments. Please feel free to contact us.


text:
"Affordable place charms adults and teens alike" Balatonszarszo by csordila
Balatonszarszo Travel Guide: 7 reviews and 15 photos
Distances of the house by car from- Budapest ~ 123 km - Siofok ~ 20 km - Tihany via Szántód by ferry ~ 5 km - Szántód ~ 3 km - Balatonföldvár ~ 1 km - Beach ~ 500 m
Balatonszárszó is a quiet, ordered family holiday resort on the southern shore. In the years of 30-es already it has been mentioned as a children paradies. In year 2005 and 2006 its beaches have won the classification "Blue wave flag". Out of 135 beaches only 29 obtained this classification, based on the water quality, the tourism attractiveness, the cleanness and the services, In the City and on his neighbourhood the parking is free.
At the ENTENTE FLORALE EUROPE 2004 competition in the category of parishes Balatonszárszó reached a silver grade.
Here on the southern shore you will find a beautiful 50 miles long beach, an uninterrupted line of large and small resorts teeming with life, a paradise for fans of sun and water, particularly families with small children. The particular benefit for children is the very gradual incline meaning that in most places children of even the youngest ages can walk out for 100 m or more before they get out of their depth. The average temperature of the water is 26-30C. The high season at Lake Balaton lasts from the first half of June till the second half of August.read more
- In a nutshell:A quiet, ordered family holiday resort
Reviews (7)
Who wants to eat good and cheap should visit the buffets in the harbour, where it is possible to choose from the most... more travel advice
Balatonföldvár lies just several hundred meters from the outskirt of Balatonszarszo in eastern direction and it is... more travel advice
József Attila Memorial Museum Attila József (1905-1937) was the most significant and the best known poet of the 20th... more travel advice
Do not pay parking fee, come rather here to spend your hollyday. In the city and on its neighbourhood the parking is... more travel advice
Comments (7)
Lovely photographs and tour!
I see it's a great resort that would make a splendid vacation...
It looks to be a find place to relax and enjoy the nice weather and water. You must have had a great time there.
The buffets at the harbour sound so gooooood....Lake Balaton looks awesome...Norman :)
Great poem! Thanks for sharing!
Nice to find some German words in your restaurant tip ;-))) Sissi
Must be nice to stay here whenever you have time.
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The Favorite Challenge III
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March 8th, 2013 (4:55 PM). Edited March 8th, 2013 by TBar.
Join Date: Jan 2013
Gender: Male
Posts: 9
Hurray !!!!
I've finally made Blaze Black 2 work.
Username: TBar
Game : Blaze Black 2
Favourites :
Normal: Eevee, Snorlax, Porygon2, Dunsparce, Vigoroth, Staraptor
Fighting: Breloom, Poliwrath, Infernape, Cobalion, Machamp, Riolu
Flying: Articuno, Staraptor, Braviary, Tornadus, Delibird, Skarmory
Poison: Swalot, Drapion, Qwilfish, Gengar, Muk, Koffing
Ground: Swampert, Mamoswine, Krookodile, Hippopotas, Flygon, Gastrodon
Rock: Regirock, Aggron, Golem, Shuckle, Relicanth, Rampardos
Bug: Shedinja, Ninjask, Parasect, Yanmega, Galvantua, Anorith
Ghost: Spiritomb, Mismagius, Gengar, Shedinja, Jelllicent, Drifblim
Steel: Probopass, Metagrosss, Cobalion, Magnezone, Heatran, Registeel
Fire: Torchic, Arcanine, Infernape, Darmanitan, Chandelure, Volcarona
Water: Swampert, Quagsire, Gastrodon, Feraligatr, Kyogre, Jellicent
Grass: Breloom, Grovyle, Meganium, Parasect, Cradily, Whimsicott
Electric: Magnezone, Jolteon, Rotom, Lanturn, Galvantula, Stunfisk
Psychic: Deoxys, Alakazam, Gardevoir, Azelf, Metagross, Jirachi
Ice: Articuno, Mamoswine, Delibird, Weavile, Lapras, Regice
Dragon: Dragonite, Flygon, Salamence, Altaria, Haxorus, Kingdra
Dark: Krookodile, Spiritomb, Drapion, Scrafty, Weavile, Sableye
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