text:
'A five-day delay knocked £16k off my pension': Savers denied thousands as insurers offer tiny window to grab retirement income
Careful savers are being stripped of thousands of pounds in retirement because of short-term guarantees which expire on their pension payout offer.
A Money Mail investigation has discovered that retirees are being deprived of the best income they can get because some insurers give only a small window of opportunity — as little as ten days in some cases — to lock into the deal on offer.
A delay of just one day — due to sloppy administration or postal problems — can see payouts slashed.
Shock: Retired accountant Brian Buckley and wife Linda, 68
This crack in the pensions system threatens the 400,000 people who each year buy an annuity to convert their pension into income. Around 180,000 of these shop around for the best deals.
The difference between the best and worst payouts on an annuity which turns your pension pot into an income can be as much as 25 per cent.
And the sick and smokers can get up to 40 per cent extra, adding £2,000 a year from a £100,000 nest egg.
When you take your pension, the company who you have saved with will offer you an income from this pot. However, you should always look for a better deal.
This will involve getting quotes from a number of rival insurers. When you do this, the payout they offer is guaranteed for a certain number of days.
But despite recent improvements to the way insurers process applications for annuities, it can take 100 days from the day you first see a financial adviser to the day you actually receive the cash in your bank account.
I lost £16,500 from my pension
Brian Buckley, 61, was denied £660 a year on his annuity payout because his pension firm clung on to his money for too long.
The cut would have shaved £16,500 off his total payout during a 25-year retirement.
It was only after Money Mail intervened that his original quote was reinstated.
Buckley fell victim to the broken link in the money transfer chain. The
former accountant, from Loughton, Essex, had done everything right.
he shopped around for the best rate on an annuity, which turned his
pension pot of just over £200,000 into a £10,692-a-year income for life.
signed and returned the application forms to Aviva the day they landed
on his doormat. But three weeks later this seemingly cast-iron offer was
torn up and re-written.
payout he was offered was £10,032 a year because Aviva had chopped its
rates twice before Mr Buckley's existing pension provider, Halifax,
released his money.
After rates changed, Aviva gave Mr Buckley just ten days to finish his deal.
So when he discovered that Halifax had dithered for 15 days, he was told nothing could be done.
Buckley says: 'It was a huge shock and I thought most unfair. As far as
I was concerned, I'd signed a contract for the original amount.'
When Money Mail contacted Aviva, it admitted it should have alerted Mr Buckley earlier.
It immediately reinstated his original quote and paid him £100 as a goodwill gesture.
Crucially, within this period, once the final quote is issued with the insurer, it typically takes 21 days to seal the deal you want, Money Mail research found.
This is because getting an annuity can involve reams of paperwork going back and forth between pension companies, financial advisers, and the customer.
The problem is major annuity providers such as Prudential guarantee their quotes only for 14 days.
If finalising the deal takes longer than this, savers can be offered a new quote, particularly if rates have fallen.
Aviva has a ten-day guarantee which kicks in following a rate change. Canada Life and Standard Life give 14 days.
Canada Life says that after a quote is issued and application forms sent, signed and returned, it can take another 19 days on average to pay out.
A handful of firms offer longer protection.
Regardless of what happens to rates, Legal & General guarantees its quotes for 18 days, Aegon 21, Partnership 28, LV= 30, and Just Retirement 45.
In total, thousands of savers are put at risk every time rates are cut. Delays are rife within other parts of the process of taking out an annuity.
The time it takes for one insurer to send money to another — from your original pension company to your new annuity provider — is nine days. This is supposed to be one of the speediest parts of the process, and has been cut from 51 days over five years thanks to a so-called 'rapid-transfer' system introduced in 2008.
However, even this basic task is taking months in some cases.
The worst hold-ups are suffered by those who have no access to the rapid-transfer system.
To save costs, some insurers refuse to use the system for their oldest pensions.
Some 40 per cent of old Phoenix Life policies do not qualify for rapid transfers, although its overall average time is 11.4 days.
The majority of 2.5 million workers whose pension is run by a board of trustees are also excluded. Many trustees are retired part-timers who may meet once a month. If a complete set of signatures is needed to release the money, this causes a 30-day delay.
Some old-fashioned work pensions also forbid annuity transfers on all but one specific day each month.
These niggles are compounded because people work for 11 companies in an average career, creating a collection of pension pots, which are commonly all sent to a single annuity provider on retirement.
Any delay, and the original quote can be lost to wobbling rates.
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|By Marketwired .
Article Rating:
|February 8, 2013 02:00 AM EST
SAN RAMON, CA -- (Marketwire) -- 02/08/13 -- WANdisco (LSE: WAND), a provider of high-availability software for global enterprises to meet the challenges of Big Data and distributed software development, today announced it has made its WANdisco Distro (WDD) available for free download. WDD is the first fully tested, production-ready version powered by Apache Hadoop 2 based on the most recent release, including the latest fixes. These certified Apache Hadoop binaries undergo the same rigorous quality assurance process as WANdisco's enterprise software solutions.
The WDD team is led by Dr. Konstantin Boudnik, who is one of the original Hadoop developers, has been an Apache Hadoop committer since 2009 and served as a Hadoop architect with Yahoo! This dedicated team of Apache Hadoop development, QA and support professionals is focused exclusively on delivering the highest quality version of the software. WANdisco's Apache Hadoop developers have been involved in the open source project since its inception and have the authority within the Apache Hadoop community to make changes to the code base, ensuring fast delivery of fixes and enhancements.
Foundation for WANdisco's Enterprise Hadoop Products
WDD lays the foundation for WANdisco's enterprise Hadoop solutions that deliver 24-by-7 availability, scalability and performance globally, without any downtime or data loss. By adding its patented active-active replication technology to WDD, WANdisco is able to eliminate the single points of failure (SPOFs) and performance bottlenecks inherent in Hadoop. With this technology, the same data is simultaneously readable and writable on every server, and every server is actively supporting user requests. There are no passive or standby servers with complex administration procedures required for failover and recovery.
"WANdisco's active-active replication technology not only aims to eliminate single points of failure in Hadoop, but it could also be used to extend Hadoop deployment over wide areas. Users could start to utilize Hadoop as a globally distributed resource," said Tony Baer, principal analyst for Ovum.
In the event of a network or server outage, failover is immediate and recovery is automatic without administrator intervention. There is no downtime, even in the case of planned maintenance. These capabilities can be delivered across data centers over a Wide Area Network (WAN) as well as a Local Area Network (LAN), providing users around the world with non-stop global business continuity.
"WANdisco, with its active-active technology, delivers the non-stop global performance, scalability and availability that enterprise customers are demanding worldwide," said DJ Das, Founder and CEO, Third Eye Consulting Services & Solutions LLC, a company focused on delivering services around Big Data and a WANdisco systems integration partner. "WANdisco Distro is the only production-ready, enterprise-grade Hadoop distro that guarantees 100% uptime with multiple active NameNodes deployed in every cluster."
"This is one of a number of key Big Data product announcements WANdisco will be making between now and the upcoming Strata 2013 Big Data conference in Santa Clara, CA, February 26-28. It's a great time for enterprises requiring a hardened, non-stop Hadoop," said David Richards, CEO of WANdisco. "Only our patented active-active technology removes the single point of failure inherent in Hadoop and works locally and globally. We are excited to have Dr. Konstantin Boudnik, one of the original developers of Hadoop, leading this rollout."
Professional Service and Support
WANdisco is also announcing enterprise-class professional support for organizations deploying Hadoop clusters utilizing WDD. More than a first line of defense, WANdisco support engineers are open source experts, providing in-depth professional assistance and ensuring customers get the most from their deployment. With WANdisco employees around the globe providing local support, customers are assured they are moving in the right direction toward their business goals. Services include online service request and case tracking, customer discussion forums, online access to service packs and patches, and more (see www.wandisco.com/support/hadoop).
WANdisco premium customer support services include a dedicated enterprise support manager to keep customers apprised of updates and quickly resolve escalated issues. This dedicated support manager monitors interactions 365/24/7, guaranteeing that high severity issues are addressed immediately after WANdisco Customer Support is contacted.
Pricing and Availability
WDD, based on Apache Hadoop 2.0.3, is available for free immediate download at www.wandisco.com/hadoop/download. Platinum Support covers global 24/7, is priced at $3,000 per node and includes Bug Buddy, Hadoop Cluster Health Check, 8 Hours of Free Consulting or Training, and Indemnification Coverage, protecting customers using WDD from intellectual property claims that can arise from the use of open source software. Gold Support covers 8 am - 5 pm (user chooses GMT, EST or PST) and is priced at $2,000 per node. WANdisco will release WDD updates via the same website.
About WANdisco
WANdisco (LSE: WAND) is a provider of enterprise-ready, non-stop software solutions that enable globally distributed organizations to meet today's data challenges of secure storage, scalability and availability. WANdisco's products are differentiated by the company's patented, active-active data replication technology, serving crucial high availability (HA) requirements, including Hadoop Big Data and Application Lifecycle Management (ALM). Fortune Global 1000 companies including AT&T, Motorola, Intel and Halliburton rely on WANdisco for performance, reliability, security and availability. For additional information, please visit www.wandisco.com.
Hadoop is a trademark of the Apache Software Foundation.
All product and company names herein may be trademarks of their registered owners.
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Samantha Leggat
Email Contact
Tel (925) 396-1194
In his keynote at 18th Cloud Expo, Andrew Keys, Co-Founder of ConsenSys Enterprise, provided an overview of the evolution of the Internet and the Database and the future of their combination – the Blockchain. Andrew Keys is Co-Founder of ConsenSys Enterprise. He comes to ConsenSys Enterprise with capital markets, technology and entrepreneurial experience. Previously, he worked for UBS investment bank in equities analysis. Later, he was responsible for the creation and distribution of life sett...
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Cognitive Computing is becoming the foundation for a new generation of solutions that have the potential to transform business. Unlike traditional approaches to building solutions, a cognitive computing approach allows the data to help determine the way applications are designed. This contrasts with conventional software development that begins with defining logic based on the current way a business operates. In her session at 18th Cloud Expo, Judith S. Hurwitz, President and CEO of Hurwitz & ...
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A strange thing is happening along the way to the Internet of Things, namely far too many devices to work with and manage. It has become clear that we'll need much higher efficiency user experiences that can allow us to more easily and scalably work with the thousands of devices that will soon be in each of our lives. Enter the conversational interface revolution, combining bots we can literally talk with, gesture to, and even direct with our thoughts, with embedded artificial intelligence, wh...
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19th Cloud Expo, taking place November 1-3, 2016, at the Santa Clara Convention Center in Santa Clara, CA, will feature technical sessions from a rock star conference faculty and the leading industry players in the world. Cloud computing is now being embraced by a majority of enterprises of all sizes. Yesterday's debate about public vs. private has transformed into the reality of hybrid cloud: a recent survey shows that 74% of enterprises have a hybrid cloud strategy. Meanwhile, 94% of enterpri...
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SYS-CON Events announced today that Bsquare has been named "Silver Sponsor" of SYS-CON's @ThingsExpo, which will take place on November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. For more than two decades, Bsquare has helped its customers extract business value from a broad array of physical assets by making them intelligent, connecting them, and using the data they generate to optimize business processes.
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Internet of @ThingsExpo, taking place November 1-3, 2016, at the Santa Clara Convention Center in Santa Clara, CA, is co-located with 19th Cloud Expo and will feature technical sessions from a rock star conference faculty and the leading industry players in the world. The Internet of Things (IoT) is the most profound change in personal and enterprise IT since the creation of the Worldwide Web more than 20 years ago. All major researchers estimate there will be tens of billions devices - comp...
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There is little doubt that Big Data solutions will have an increasing role in the Enterprise IT mainstream over time. Big Data at Cloud Expo - to be held November 1-3, 2016, at the Santa Clara Convention Center in Santa Clara, CA - has announced its Call for Papers is open. Cloud computing is being adopted in one form or another by 94% of enterprises today. Tens of billions of new devices are being connected to The Internet of Things. And Big Data is driving this bus. An exponential increase is...
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The 19th International Cloud Expo has announced that its Call for Papers is open. Cloud Expo, to be held November 1-3, 2016, at the Santa Clara Convention Center in Santa Clara, CA, brings together Cloud Computing, Big Data, Internet of Things, DevOps, Digital Transformation, Microservices and WebRTC to one location. With cloud computing driving a higher percentage of enterprise IT budgets every year, it becomes increasingly important to plant your flag in this fast-expanding business opportuni...
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Cloud computing is being adopted in one form or another by 94% of enterprises today. Tens of billions of new devices are being connected to The Internet of Things. And Big Data is driving this bus. An exponential increase is expected in the amount of information being processed, managed, analyzed, and acted upon by enterprise IT. This amazing is not part of some distant future - it is happening today. One report shows a 650% increase in enterprise data by 2020. Other estimates are even higher....
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subset: commoncrawl


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Properties of Shane Terrel with Hunting Country Real Estate LLC in Alva, OK
Visit Our Website: www.huntingcountry.net
Page 1 of 1
$300,000 160 acres Billings, OK 74630 - Grant County
Listing # OK-377 Price $300,000 160 acres m/l. Grant County Oklahoma cropland for sale on SALT FORK OF THE ARKANSAS RIVER. Soil types are suitable for all crops grown in the area. Current owner sells water to city of Billings Oklahoma. There is neighboring irrigation on adjacent property. This farm is located approximately 7 miles north of Billings Oklahoma, then 1 mile west; or 4 miles south of Lamont Oklahoma then 5 miles east. USDA info shows: 164.6 acres farmland, 149.22 dcp cropland; 145.9 base acres with 38 bu. wheat yield. Legal SE/4 section 13-25N-3W, Grant County Oklahoma. Priced at $300,000. water rights and oil & gas minerals are negotiable.
Shane Terrel Hunting Country Real Estate LLC
13 photos
$250,000 160 acres Hennessey, OK 73742 - Kingfisher County
Skeleton Creek 160
Listing # OK-384 Price $250,000 160 acres m/l. Kingfisher County Oklahoma Hunting Land for sale on SKELETON CREEK. HUNTING AND INCOME PRODUCING. This unique hunting farm has approximately a half mile of Skeleton Creek running through it with bedding, staging and forage surrounding both sides of the heavily tree-lined creek. This property offers cover in an area that is surrounded by highly production cropland. This farm is located approximately 9 mile east then 2 1/2 mile north of Hennessey, Oklahoma (approximately 8 miles West of 51-74 Junction). USDA info shows: 83.16 acres cropland; 65.2 base acres with 32 bu. wheat yield. Legal: NW/4 of section 3-19N-5W, Kingfisher County Oklahoma. Priced at $250,000.
Shane Terrel Hunting Country Real Estate LLC
3 photos
$200,000 160 acres BB & Rd 51, Hardesty, OK 73944 - Texas County
Texas County 381
160 acres m/l. Texas County Oklahoma Grassland for sale. This tract is table top flat with an excellent stand of grass with a windmill and fair barbed wire fencing. Pheasant, quail, and white tail deer are native to the area. No tenants in place, immediate possession upon closing. Located just southeast of Hardesty, Oklahoma 1 mile south of Hwy-412. Legal: NE/4 Section 33-2N-18E, Texas County Oklahoma
Shane Terrel Hunting Country Real Estate LLC
Page 1 of 1


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Culture Shock
Tomorrow's Classics
Now in its 10th year, the Words Afire Festival puts the spotlight on the work of student playwrights in UNM's MFA Dramatic Writing Program. The Directed Readings, held this Friday, Nov. 13, through Sunday, Nov. 15, allow the public to hear these pieces voiced for the first time. Here's the schedule of events, held at the National Hispanic Cultural Center (1701 Fourth Street SW). All readings are free, and three of the plays will be fully staged in April. For a synopsis of each play, got to theatre.unm.edu/waf.
Friday, Nov. 13
3 p.m. The Circuz by GHE
7:30 p.m. Economically Viable by Aaron Frale
Saturday, Nov. 14
10 a.m. Anything and Always by Nic Wehrwein
1 p.m. Parts of Parts and Stitches by Riti Sachdeva
4 p.m. Red Umbrellas by Beth Iha
8 p.m. That One Forbidden Thing by Erin Phillips
Sunday, Nov. 15
Noon When It Happened by Kamarie Chapman
Perfectly Able
Solarity, a new local theater company, presents a special production of original work written by Lou Clark and Solarity. With a grant from the Christopher and Dana Reeve Foundation, Solarity formed in 2008 with the intention to produce original work with a cast and crew composed of disabled and non-disabled people. Reflections, the company's first production, uses ensemble techniques, movement, dialogue and poetry to tell the story of eight characters struggling to understand the concepts of home and love. The show at the VSA North Fourth Art Center (4904 Fourth Street NW), directed by Clark, runs this weekend only, with performances on Friday, Nov. 13, and Saturday, Nov. 14, at 8 p.m., and Sunday, Nov. 15, at 2 p.m. Tickets are $15. For information and reservations, call 344-4542, or go to vsartsnm.org.
Today's Events
12 Angry Jurors at Aux Dog Theatre Nob Hill
Twelve jurors' task is to return a verdict against an inner-city youth charged with the murder of his father, where a guilty vote equals a mandatory death sentence.
I Never Sang For My Father at Teatro Paraguas
Richard A. Light signing event at Page One BookstoreMore Recommended Events ››
tartar control and more • 7.20.2016
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Hi there. I will be visiting Montreal the first week of October, traveling on my own. I would love some suggestions on a good mix of "touristy" and "non-touristy" things to do while I am there. Would also love to hear about cool neighborhoods, bars, restaurants, shops, and galleries as well. I'll be staying for 4-5 days. Any "musts" for Montreal?
In addition, I'd like to visit some surrounding towns/cities as well. Preferably places I can get to via train in a few hours. I would like to just do one or two days max in each place. Any suggestions on places to visit? Quebec City? Ottawa?
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First time visit to Montreal - looking for suggestions
Hi there. I will be visiting Montreal the first week of October, traveling on my own. I would love some suggestions on a good mix of "touristy" and "non-touristy" things to do while I am there. Would also love to hear about cool neighborhoods, bars, restaurants, shops, and galleries as well. I'll be staying for 4-5 days. Any "musts" for Montreal?
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The archive for this forum contain a steady flow of suggestions for Montreal. The city's tourist information site is also very useful, which has often been mentioned here. Ottawa and Quebec City are both worth at least a full day, which would mean two nights in each one, with decent train or bus service for the travel. But you should get cracking on your research and reservations since tourists keep coming into the fall.
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As already stated, there's a ton of info on this site.
Heres a link to the Montreal Visitors guide, which is very useful.
My favorite neighborhood is the Plateau - lots of cafes, byob restaurants, funky shops, bars, etc. However ALL of Montreal is great!
Both Ottawa and Quebec City are great, but if I had to choose one, it would be Quebec City.
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I would also pick Quebec City over Ottawa but either would be interesting/worthwhile.
Two museums I really like:
Pointe-à-Callière archeology
and the biosphere (not the Biodome)
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Thank you for the suggestions and assistance. Quebec City is a for sure. Any suggestions on reasonably priced, good location, hotels or B&B options based on your experience? Just me going so I only need a decent location and some basic comforts.
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mike_pakowski, i assume you've had a chance to read all the great ideas offered to me on my query " a week in montreal".
btw. i have used the bixi bike system in both ottawa and toronto. it is a very affordable way to travel. montreal has a larger network than the others so i can't wait to bie around
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Mike, we almost always choose a b&b, preferably in the plateau area. As a single traveller, a b&b would be a good option for you. Last visit we stayed at Shezelles, a small b&b in an excellent location. The rooms are small, but clean,and the breakfasts are good quality. Other b&b's we've enjoyed include Pierre and Dominique's, Welcome B&B and Gite du Parc La Fontaine. There are many others however.
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...All levels of college Spanish. Spanish for children (pre-reading). I am a certified college consultant and a Professional Member of IECA. I have over fifteen years of experience in the field and have successfully guided many students towards undergraduate and graduate study in the US and Canada.
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This week marks the first birthday of the general availability of dotSucks domain names. It has been a year notable for both heat and light, adding up to a set of insights relevant for any new gTLD... Be clear about who you serve and use their vocabulary (not domain name industry jargon) to tell them about it. Engage in marketing... Emotional resonance is more effective than even overwhelming facts-and-figures. The right story helps people see themselves in you. more»
Headline in TheDomains.com, June 18, 2016: "Wow: 20 Year Old Domain Name WorldTradeCenter.com Lost in UDRP." For those who don't follow UDRP decisions carefully this may elicit, how can this be? Well, surprised or not, and assuming complainant has priority in the string of characters that is both a domain name and a trademark... delay is not a factor in prevailing on cybersquatting claims when there is an alignment of other factors... more»
The current policies for .eu domain name registration restrict registration to organisations, businesses and individuals that meet certain criteria. In order to get a .eu domain name you need to be resident within the EU, Norway, Iceland or Liechtenstein. This is laid out in the current policy... Post-Brexit it is unclear whether UK registrants will still qualify to hold their .eu domains. more»
One of the most popular top-level domains under the Uniform Domain Name Dispute Resolution Policy (UDRP) is not even a gTLD (generic top-level domain). It's a ccTLD: .co, the country-code top-level domain for Colombia, in South America. Based on statistics at WIPO as of this writing, 29 .co domain names have been the subject of UDRP disputes this year, making it the most-disputed ccTLD under the popular domain name dispute policy. more»
The U.S. is unusual in that grievants of a UDRP award have a statutory remedy from an adverse UDRP award, namely an action for declaratory judgement under the Anticybersquatting Consumer Protection Act (ACPA). The action is not an appeal, but a de novo assessment of the parties' rights, either that the domain name holder is cybersquatting or its registration was lawful. Under U.S. law UDRP awards are not treated as arbitration awards subject to the Federal Arbitration Act but as new disputes. more»
A dispute policy for the new '.bible' top-level domain name requires panelists who agree to hear cases to affirm that they "enthusiastically support the mission of American Bible Society" and that they "believe that the Bible is the Word of God which brings salvation through Christ." The DotBible Community Dispute Resolution Policy appears to be the first domain name dispute policy that requires panelists to take a religious oath - or, for that matter, an oath other than anything related to maintaining neutrality. more»
In the last three years, almost 1,000 new generic top-level domains (new gTLDs) have entered the market, increasing the previous 22 options for generic domain name extensions, like .com, .net and .org, by almost 5,000 percent. While expanded choice can be good for consumers, small businesses and website owners may be overwhelmed by the many different options and have a lot of questions about which domain extension is right for them or their brand. Recently I spoke with editors at WIRED about what their readers should ask themselves when determining how to choose the right domain name and it came down to the following seven key questions. more»
The UDRP is a forum of limited jurisdiction designed for trademark owners to combat a certain kind of tortious (sometimes tipping to criminal) conduct by which registrants register domain names with the bad faith intent of taking economic advantage of owner's marks and injuring consumers by beguiling them to disclose personal information. The forum is not open to trademark owners whose claims are outside its scope, even though they may include allegations of cybersquatting. more»
A guy I know passed along this e-mail sent to one of his customers. They assumed it was a phish, since they didn't recognize the domain name in the link, but couldn't figure out what the goal of the phish was. They even checked the list of ICANN registrars, and nope, registrar.eu wasn't on the list. Nonetheless, this mail was real, and if the recipient had ignored it, his domain would have been suspended. What's going on? more»
In early 2012, in order to promote Choice, Competition and Innovation, ICANN opened its doors to allow organizations to apply for new Top Level Domains. In spite of a complex and costly application process, ICANN received a very large number of applications: In total, 1,930 applications were received, of which 675 were brands applying for a closed new gTLD, a dot brand. more»


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Apple Releases Security Updates for Snow Leopard and Lion (Consumer and Server)
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A Willmar boy injured in a boating accident last Saturday near Lake Lillian suffered massive facial injuries, and is expected to need reconstructive surgery. 8-year-old William Huisinga was in critical condition this week after he was struck by a pontoon while knee-boarding with his family on Big Kandiyohi Lake. Most of the bones in the boy's face were broken, and his left eye was also seriously injured. He has already undergone surgery this week, and is expected to remain in the hospital for several weeks. Authorities say that alcohol was not a factor.
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Forum - View topicNEWS: Judge Compares Anime File-Sharing to Stealing Bread
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Posts: 132
Location: The MPLS
|Does mean Sunrise is Inspector Javert?
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Posts: 915
I think I remember a few years ago some judge tried to give the death sentence to someone who was stealing bread to feed his starving family....
Do the judges have such autocratic powers like this in Japan where the judges are allowed to decide what level of laws are applied to sentences based on what they feel, rather than following a strict doctrine of law that spells out what should and should not be done?
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Posts: 1600
Location: Nottingham (UK)
Without a source, I'm going to have to presume that's bollocks.
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Posts: 7939
Location: England, UK
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Posts: 168
Location: Jersey
After reading what he said, I think the judge didn't use the "stealing bread" analogy in the Les Miserables sense. Funny response though
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Posts: 96
|I think a more accurate comparison (involving bread) would include actually stealing bread/food from animators and their families, ne?
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Posts: 169
Location: Monterrey, Mexico
The Judge Satō then said that Maki's actions "were very similar to shoplifting large amounts of bread, and instead of eating it yourself, distributing it for free. You were only doing it for attention, instead of out of maliciousness."
But if he went and stole bread, and gave it to lots of hungry people that otherwise would have to wait for months or years before getting a now stale bread, he would be a folk hero. o.o
I think that maybe that was what the judge was trying to say...
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Posts: 704
A more accurate analogy would be that he bought or was given a loaf of bread, and duplicated and distributed copies of this bread for free.
And if we throw the number '5000' in here, and mention some fish, then the whole analogy looks very different.
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Posts: 1513
|You know, because a fan is starved for entertainment and must feed it... It's a necessity to live you know!
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Posts: 314
Or for that matter, 9000.
I'm just amused why ANN decide to report this pretty boring tidbit. Is there a reason why this is related to anime news besides to try to stir up something?
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Posts: 465
A well-known anime uploader faces prison time from a judge who thinks uploading anime is like stealing and sharing bread. That's boring and not news?
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Posts: 9169
Les Mis, is of course, the first thing I thought of as well.
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Posts: 4
There is no appropriate analogy because this event cannot exist outside of the digital realm. No one owns the rights to bread. You can't copyright a loaf of bread and we don't have a machine to duplicate it indefinitely. In fact, if this man was doing this with bread, he wouldn't be a hero. The genius who created the technology to duplicate the bread and share it would be a hero.
It would be appropriate to look at previous cases that involve, say, music file sharing in Japan. Which I haven't heard any references to yet.
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Posts: 992
Location: Midland, TX
Maybe a better analogy would be to compare it to stealing cable, or possibly more to the point, helping other people steal cable. The cable signal is still there, it's not gone like the bread would be, but you receive a service that you otherwise don't pay for.
A brief internet search on this topic revealed that the potential penalties for stealing cable are up to a year in jail and/or up to a $10,000 fine. This is in the U.S., mind you, but 1.5 years doesn't seem too far afield with that in mind.
This is not to say that I necessarily agree with the sentence. I think a fine might be more appropriate, or maybe they can disallow him internet access for some period of time, and then only use jail-time for the more severe cases. I couldn't really discern whether it was a single incident or if it was a pattern of sharing that he was prosecuted for, though the earlier article that was linked to indicates the latter.
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|I think I'll rename this thread "International Depository of Belabored Extended Metaphors".
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Former acting Reserve Bank Governor and Vice-Chancellor of the University of Canterbury Rod Carr has been appointed to the board of the central bank.
Early this year Carr ruled himself as a potential contender to replace retiring central bank governor Alan Bollard.
Today Finance Minister Bill English appointed Carr to the board of the Reserve Bank of New Zealand.
"Dr Carr has extensive experience, both in the banking industry and as a director," English said. "I'm confident he will make a strong contribution to the board of the Reserve Bank."
As well as his main role as Vice-Chancellor of the University of Canterbury, Carr, 51, holds a number of governance positions including the chairmanship of the National Infrastructure Advisory Board.
He was previously the managing director of Jade Software Corporation, following roles as Deputy Governor of the Reserve Bank and senior positions with the National Australia Bank.
Carr was acting Governor of the Reserve Bank for five months after Don Brash resigned suddenly in 2002 to go into politics.
Speaking earlier this year when he ruled out applying for the role of Governor, Carr said he had a five-year contract with the university which runs from February 2009 to 2014 and he felt a commitment to stay there.
English also appointed Craig Ansley to the Government Superannuation Fund Authority and reappointed director Toni Kerr for a further term.
- BusinessDay.co.nz
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beats the average estimate by 7 cents, beats the highest estimate by 2 cents also hits the high end on revenue.
in this crazy market, a company can have declining same store sales, poor comparisons with earlier qtrs, and still be seen as growth success stories just because they were canny enough to give analysts a lowball quarterly estimate which they could beat by 2 cents.people buying stocks today don't really care about growth, earnings or stability, all they care about is the two cents over some foreign analyst's estimate based on what the company told him within the past three months.
CAUTION: Same store sales fell 5.4%/ Longs are too overconfident here by buying at high prices."But same-store sales, which represent stores open at least a year, fell 5.4 percent versus a 0.4 percent decline in the same period last year.Same-store sales are considered a key gauge of a company's performance because they are not influenced by the impact of new stores."
Sellers ran for the door at the close...too bad they missed a great earnings call...Sonic to 15!!!!
add me to that host of sellers at yesterday's high, but made a fool by a 2cent underestimate of earnings by two analystsI wonder how high the stock would shoot up {in a bear mkt} if they had underestimated earnings by 3 centsanyway, people who held on until today, enjoy it, I'd still think about selling if I was you, this is not the beginning of a new run up, imo.


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The Springfield Police Department is asking local area residents to be on the alert after a report of a suspicious man taking pictures outside a daycare center. A man driving a black Saturn car with dark windows was spotted about a half-block away from a Springfield daycare Wednesday evening. The man apparently had a long-range style camera pointed in the direction of the daycare, and he was there for about 10 minutes. The daycare provider told police she had received a call a few weeks earlier from a man claiming to work for Pampers who asked several questions about the kids in the daycare. Similar calls have been reported across the state in recent weeks, including several such calls in Sibley County. Pampers denies any knowledge of the calls. A man in a suspicious vehicle has been seen taking pictures outside daycare centers and at bus stops in several other local communities recently as well. Anyone witnessing suspicious activity is asked to contact local law enforcement, and anyone receiving a suspicious phone call should not reveal any personal information.
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The Drew Carey Show 1995 | TV Show Watchlist
Season 8, Episode 6 Mama Told Me I Should Come
First Aired: October 21, 2002
Drew's love life gets a little nutty after his mom introduces him to a woman (Kristin Dattilo) with a thing for dressing up like a giant squirrel. Meanwhile, Oswald's semi-psychic abilities have Mimi seeing green at the race track. Steve: John Carroll Lynch. Kellie: Cynthia Watros. Oswald: Diedrich Bader.
Guest Cast
Marion Ross Beulah
Cast & Details See all »
- Premiered: September 13, 1995
- Rating: None
- Premise: An easygoing Cleveland Everyman seeks simple pleasures in the company of his oddball friends as he trades barbs with his nemesis, a plus-size coworker who applies makeup the way Jackson Pollock applied paint. Along with the crew-cut star's ample charm, the… (more)
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The Drew Carey Show: Season 1
By American Broadcasting Company (ABC)Buy New: $17.45
The Drew Carey Show: The Complete Season 1 [NON-USA Format, Region 4 Import - Australia]Buy New: $33.98
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Hotel Miramare, Portofino - Golfo Tigullio
- Free buffet breakfast and WiFi
Main amenities
- 26 guestrooms
- Restaurant and bar/lounge
- Rooftop terrace
- Childcare
- 24-hour front desk
- Air conditioning
- Garden
- Car rentals on site
- Laundry service
- Meeting room
- Luggage storage
What's around
- Heart of Rapallo
- Basilica of Sts. Gervasius and Protasius (0.2 mi / 0.3 km)
- Porta delle Saline (0.2 mi / 0.3 km)
- Castle-on-the-Sea (0.2 mi / 0.3 km)
- Marina di Rapallo (0.5 mi / 0.8 km)
- Circolo Golf e Tennis Rapallo (0.9 mi / 1.5 km)
For families
- Cribs/infant beds available
- Babysitting or childcare (surcharge)
- Television
- Garden
- Laundry facilities
- Hair dryer
Hotel Miramare, Portofino - Golfo Tigullio
Hotel Info: 866-539-8117from $103
- Single Room, Sea View
- Double Room, Sea View
- Triple Room, Sea View
- Quadruple Room, Partial Sea View
- Double Room, Mountain View
Also popular with travelers from the USA
At a glance
Key facts
Hotel size
- This hotel has 26 rooms
- This hotel is arranged over 5 floors
- Check-in time 2 PM-midnight
- Check-out time is 11 AM
- Express check-in/out
Required at check in
- Credit card or cash deposit required
- Government-issued photo ID required
Travelling with others
- Children (3 years old and younger) stay free when occupying the parent or guardian's room, using existing bedding
- Babysitting/childcare *
- Pets allowed
- Restrictions apply *
- Free WiFi in public areas
- Free WiFi in rooms
Nearby Three Star Portofino - Golfo Tigullio hotels
In the hotel
- Free buffet breakfast daily
- Restaurant
- Bar/lounge
- Room service (during limited hours)
- Bicycle rentals nearby
- Golfing nearby
- One meeting room
- 24-hour front desk
- Dry cleaning/laundry service
- Laundry facilities
- Luggage storage
- Number of buildings/towers - 1
- Elevator/lift
- Designated smoking areas
- Rooftop terrace
- Garden
In the room
- In-room climate control (air conditioning)
- Air conditioning
- Minibar
- Soundproofed rooms
- Hair dryer
- Cable/satellite TV channels
- Desk
- Free WiFi
- In-room safe
Top Portofino - Golfo Tigullio hotels
Recently reviewed hotels in Portofino - Golfo Tigullio
- Hotel Suisse BellevueFrom
"the breakfast was dull, same thing 5 days in a row and nothing fresh like scrambled eggs or bacon a lot of pre packaged processed food maybe that's the way it is in Italy?"Jun 16, 2016
- Villa AcciniFrom
"I was on a mother/daughter trip to Italy. We came to monterosso for two nights, and we couldn't have been happier about our stay. The place was close to the beach and train…"Jun 13, 2016
- Grand Hotel MiramareFrom
"Had the best stay here! Such great service and the most beautiful hotel. Would recommend to anyone."Jun 13, 2016
- Hotel Santa Margherita PalaceFrom
"We made a to north Italian coast journey, and enjoyed the hotel as a base to several day trips."Jun 13, 2016
Hotel Miramare, Portofino - Golfo Tigullio's small print
Also known as
- Hotel Miramare Rapallo
Cash transactions at this property cannot exceed EUR 2999.99, due to national regulations. For further details, please contact the property using information in the booking confirmation.
Pet-friendly rooms can be requested by contacting the property at the number on the booking confirmation.
Optional extras
Babysitting/childcare is available for an extra charge
We have included all charges provided to us by this hotel. However, charges can vary, for example, based on length of stay or the room you book.
Is the description of this hotel not correct? Tell us


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To highlight the research activities of student scientists and encourage careers in science and research, ASHA awards students who are first authors of papers that are top-rated in each of the Convention topic areas by the Convention Program Committee.
Award recipients are recognized at the Researcher-Academic Town Meeting and receive a $500 stipend and complimentary Convention registration. Stipends are disbursed post-Convention.
All undergraduate, master's, AuD, and PhD students who are first authors, at the time of submission, on a paper in any of the following session types
View previous SRTA recipients.
For additional information, please contact ASHA's Academic Affairs and Research Education Unit at [email protected].
One-Touch Emergency Response: A new app enables people with hearing and speech difficulties to summon first responders with a tap to their smartphones—no talking required.
Realizing the Power of Communication: A clinician's early interest in drama therapy leads her to speech-language pathology—a career that also advances human connection through communication.
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The American Speech-Language-Hearing Association (ASHA) is the national professional, scientific, and credentialing association for 186,000 members and affiliates who are audiologists; speech-language pathologists; speech, language, and hearing scientists; audiology and speech-language pathology support personnel; and students.
The ASHA Action Center welcomes questions and requests for information from members and non-members.
Available 8:30 a.m.–5:00 p.m. ET Monday–Friday
Site Help | A–Z Topic Index | Privacy Statement | Terms of Use
© 1997-2016 American Speech-Language-Hearing Association


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Just create a new account—we'll guide you to the flip side.
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I've been fine. Wish I could find a job before I go back to school this way I won't be a regular broke college sudent. But Hey. Oh an di forgot that I read a bunch of Vampire night as well, lol. and No I only read the first arc of pokes[ecial. So I read up to where Red gets attacked by the Elite Four. So how have you been?
It's ok. It kinda took me awhile to figure out what you were talking about until I came and checked your profile. I've read Naruto and Bleach of course. I'm still reading pokespecial and I am currently near finishing the FRLG arc. I don't know if you read poke though... Katekyo Hitman is another one that I've read. I was reading Soul Eater, but now I don't even know where I left off. I've read Death Note, Fruits Basket (when I was younger like 9 or 10 maybe), Vampire Knight, Full Metal Alchemist (read and watched), and a bunch more I don't remember. Have you watched any of the FMA Brotherhood? If you haven't, you definately should. It follows the manga so much more than season 1.
So anyways, totally leaving the manga realm, how have you been?
I feel bad for taking so long to respond. but thanx for the compliment. Also I've read. D-Gray Man, Fullmetal Alchemist, Hikaru no Go, Fairy Tail, Naruto, Bleach, The first 14 volumes of flame of recca the first 7 volumes of Dragon drive. 5 volumes of shaman king. a volume of O-Parts hunter, Tsubasa and Samurai Deeper Kyo. I'm currently reading soul Eater and am on volume 7. I don't really watch too much anime anymore i've focused on reading it. but recently I've watched and finished Gurren Laggan, hikaru no Go and Busou Renkin.
Sorry that I'm kind of random, but I wanted to say you have an awesome avatar! So what mangas have you read?


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Classic Steak Sauce
Total Time
Prep 10 mins
Cook 0 mins
I was suprised on how much the raisins added depth and sweetness. I did add a couple drops of liquid smoke. Sauce can be refrigerated in an airtight container for 1 week
Ingredients Nutrition
- 1⁄2 cup boiling water
- 1⁄3 cup raisins
- 1⁄4 cup ketchup
- 3 tablespoons Worcestershire sauce
- 2 tablespoons Dijon mustard
- 2 tablespoons white vinegar
- salt and pepper
- Combine raisins and water in a bowl and let sit, covered, until raisins are plump, about 5 minutes.
- Puree raisin mixture with rest of ingredients in blender until smooth.
- Season with salt and pepper to taste.


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Hotels in Cheshire (county), United Kingdom
Search & Compare Cheshire (county) Hotels
Just booked in Cheshire (county)
- ibis Styles Crewe–Booked 12 hours ago from United Kingdom
- The Hinton Guest House–Booked 13 hours ago from United Kingdom
- Best Western Crewe Arms Hotel–Booked 15 hours ago from United Kingdom
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Last minute Cheshire (county) deals
- Crowne Plaza Chesterfrom $108
- DoubleTree by Hilton Hotel and Spa Chesterfrom $123$102
- The Pied Bullfrom $73
Trending now in Cheshire (county)
- Most bookedVillage Hotel Warrington
138 people looked at this hotel in the last hour
Most recent review
"A great place to stay as a stop over en route to collect our daughter at the end of her final year at LIPA (Liverpool). A very pleasant evening spent in the bar with a nice selection to choose from the bar meal menu."
A Traveller, Jun 2016, GB
98 people looked at this hotel in the last hour
Most recent review
"Warm welcome, lovely breakfast, fabulous spa facilities, friendly guests & members who invited me to join the aqua aerobics class which was great. I had a really relaxing enjoyable stay and would definitely stay again."
A Traveller, May 2016, GB
47 people looked at this hotel in the last hour
Most recent review
"Great hotel. Had dinner in the restaurant - excellent food and service to match. Very large & comfortable room. We'll be back."
A Traveller, Jun 2016, GB
29 people looked at this hotel in the last hour
Most recent review
"We booked the hotel because we were visiting family in Warrington. The hotel was quiet, clean & a nice bar. The breakfast was average but ample. The room was basic but adequate as a base."
A Traveller, Jun 2016, GB
25 people looked at this hotel in the last hour
Most recent review
"It was a nice hotel to stay at for are trip. Just a perfect location "
N, May 2016, GB
14 people looked at this hotel in the last hour
Most recent review
"Visited Alderley Edge with my family for 1 night stay. Had 2 double rooms. Attending a friends wedding. The hotel is modern and has been annexed to a splendid pub. Good food and lively place to be. Free wi-fi, excellent rooms at very fair rates. Recommended and would stay here again"
A Traveller, May 2016, GB
12 people looked at this hotel in the last hour
Most recent review
"nice comfortable hotel. handy for our shopping spree at Cheshire Oaks. The swimming pool was lovely and very warm."
A Traveller, Apr 2016, GB
8 people looked at this hotel in the last hour
Most recent review
"Stayed for work. Not the greatest area but hotel is fine; good restaurant food (although breakfast was a bit disappointing) and good service. I'd stay there for business again."
A Traveller, Mar 2016, GB
8 people looked at this hotel in the last hour
Most recent review
"Modern hotel, friendly staff, quirky decorations The free wifi and first run movies were a bonus along with Sky Sports in room and communal areas. Pool table in the bar area free of charge. I would definitely stay here again"
A Traveller, May 2016, GB
4 people looked at this hotel in the last hour
Most recent review
"Lovely open views, plenty parking space. Food was excellent and reasonably priced. Service was great and the owners were so friendly. The room was large and lots of tea/coffee etc... Tea cakes were fab !!"
A Traveller, Mar 2016, GB
Map of Cheshire (county) hotels
- Chester Zoo
- Cheshire Oaks Designer Outlet
- Tatton Park
- Chester Racecourse
- Capesthorne Hall
- Holmes Chapel
- Jodrell Bank Discovery Centre
- Gullivers Kingdom Theme Park
- Blue Planet Aquarium
- University of Chester
- Arley Hall
- Chester Castle
- Chester City Walls
- McArthur Glen Designer Outlet
- Golden Square Shopping Center
- Chester Cathedral
- Grosvenor Park
- Adlington Hall
- Pyramid and Parr Hall
- Eastgate Clock
Best hotels in Cheshire (county)
If you are looking for Cheshire (county) hotels in a particular area, you can use the search feature at the top of the page to search by neighborhood, landmark, address or zip code, or you can search by using the built-in map feature. You can also browse hotels in Cheshire (county) by type, amenities, and star-rating so that you can find the best hotel. Currently, top rated hotels in Cheshire (county) are:
- Edgar House
- New Hall Farm B&B
- Roseville Bed & Breakfast
- Hill House Farm
- Mulsford Cottage
The location of your Cheshire (county) hotel is important. If you are traveling to Cheshire (county), &StateorCountry for business, you may want to consider getting a hotel close to the airport or near your meeting venue. By doing so, you can really cut down on transportation costs and time. You may also want to book a hotel that offers free wifi just in case you need to get some work done.
If you are traveling for vacation, figure out which attractions or landmarks you want to see and book a hotel that is within close proximity. Although hotels near attractions might cost a little more, you may find that spending those extra few dollars is worth the convenience. You can even find hotels that align with your interests. For example, if you are looking for a relaxing vacation, a spa hotel may be the perfect choice for you.
You'll also want to determine which type of accommodations will suit your needs before booking a hotel in Cheshire (county). If you're traveling with the kiddos, a family friendly hotel will offer larger rooms and more sleeping arrangements. For those traveling for an extended period of time, booking a hotel suite with a kitchenette is a smart move and will feel a little more like home. If you are budget conscience and just need a place to rest your head, a hostel or motel may be all you need.
If you are looking to score the best discounts and deals, use the filter to sort by price from low to high. You can book a hotel in Cheshire (county) for as low as $42 per night. If you are looking to cut down on expenses, look for hotels that include free breakfast and parking. Some hotels even offer free shuttle service to and from nearby places. You can also sort by star rating, proximity, and guest rating.
Before you book, check out user reviews. Hotels.com has 9917 reviews in Cheshire (county). We show reviews from Expedia and TripAdvisor so you know that you are reading genuine, reliable reviews. Be sure to download the Hotels.com app so you can book your reservations on the go, view amenities, and save the hotels you want to view and compare later.