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Financial Planning For Couples: Starting A Family
Next to buying a house, raising children is a large ongoing expense for couples. Often both are experienced at the same time. If you're renting a one-bedroom apartment, the upcoming birth of your child brings out the desire for a 3-bedroom house with a big yard.
I understand that not everyone wants kids, of course, but if you do, I don't need to tell you about the benefits of starting a family. But children, while being one of life's greatest blessings (at least most of the time), also cost money and consume a lot of your time.
Many people decide to have kids without a game plan in place (and there are those unexpected "accidents"), but there are lots of things you need to discuss when you decide to have children.
Are you financially ready to be parents?
Take, for example, a couple who are building their careers and making good money. They plan their budget accordingly, using both incomes to pay their bills and to support their lifestyle.
Would they be ready to experience the double whammy of a drop in household income (at least temporarily) and increasing expenses?
It's hard to deal with a crying baby, sleepless nights and non-stop feedings and diaper changing without also worrying about money. That's why it's so important to make sure you've got enough savings to help get you through – at the very least – your baby's first year. With some smart planning you won't need to brace yourself for financial struggles ahead.
Before the arrival of your bundle of joy try living on one income and putting the second income into extra debt payments and savings. Not only will you have a bit of a cushion, you'll be getting used to living on one salary.
Bringing up baby
So, how much do you need to pay for the basics in your baby's nursery?
The first year is often the toughest one financially.
BabyCenter.com has a first-year baby cost calculator. It's an American site, but you can plug in estimated prices by checking retailers like Babies "R" Us, The Bay and Walmart.
Several sites offer checklists of what you'll need, including Expectant Mother's Guide.
BabyCenter.ca also has lots of info and comments and tips from other mothers.
Buy on sale and don't get sidetracked by expensive stuff. Focus on just what you need and, keep in mind that you can also look for slightly used items that a seller's baby has outgrown.
Scour second-hand shops and ask for hand-me-downs. Check Kijiji and Facebook Swap & Buy groups. Babies grow so quickly, clothes and baby equipment have often just been used a few times before they're outgrown, and can look brand new.
Lost wages vs daycare costs
Sitting in the hospital together while cooing over your newborn is not the time to tackle the issue of staying at home or returning to work after maternity leave is up. It deserves careful consideration well in advance of your baby's arrival.
Many mothers choose to continue staying at home, and there's been a rising trend of stay-at-home dads. Lost wages from being out of the workforce means you have to re-evaluate and adjust your spending and lifestyle. But, if you factor in all the expenses you'd be eliminating that would offset some income loss, it may make more financial sense than you think.
If you're both going to work, discuss your childcare strategy ahead of time. Who's going to care for your baby – a nanny, day care, relatives? Unless you live near kindhearted family members who are willing to raise your baby free of charge, the alternatives will cost money.
It's best to do some research ahead of time to find out what child care costs are and whether you're likely to get your child into a subsidized daycare in your area. Check to see how daycare compares to hiring a nanny.
Make sure you discuss and evaluate all your options.
Get the most out of benefits
Most Canadian parents are allowed up to 52 weeks off work to care for their new infants. To get the maximum benefits, be sure to apply for Employment Insurance as soon as you take your leave as it can only be claimed within the year following your baby's birth. There's a two-week waiting period.
Benefits are calculated at 55% of your gross income up to a maximum amount of $537 per week based on $50,800 worth of insurable earnings (2016).
Check your employer benefits too. Some offer partial income for parental leave. You may be able to continue with your health and dental programs if you pay the premiums.
There are some tax deductions, tax credits, and other benefits offered by federal and provincial governments. You may not qualify for all of these, but you'll certainly be eligible for some. Make sure to apply as early as you can.
Effective July 1, 2016, the Canada Child Benefit offers monthly tax free benefits that are tied to income. The maximum is $6,400 per child under six and $5,400 per child aged six through 17. There's a reduction when family net income is over $30,000, and again at $65,000 but the number of children you have also factors into what you'll receive.
You may be able to deduct child care costs from your income on your personal tax return – up to an annual limit. Make sure you keep all your receipts.
Get a head start on university savings
It's never too early to start saving for university. Tuition costs have been rising at almost 5% per year over the last decade. You can make the bill more manageable by setting up an RESP.
Make your money grow faster with the Canada Education Savings Grant that matches up to 20% of your annual contributions depending on your income. You may also qualify for a Canada Learning Bond – you can apply with your RESP provider or get more info at www.canlearn.ca
Final thoughts
In the end, the choice of having children isn't really a financially rational one at all. It's purely emotional.
According to MoneySense magazine, the cost of raising a child to age 18 is $243,660. But the joy of watching your children grow from babyhood to adulthood is priceless.
Further reading on Financial Planning for Couples:
8 Habits That Are Killing Your Retirement Dreams
A growing number of Canadians plan on working longer because they haven't saved enough for retirement. We see it at a macro-level; Canadian households owe a record $1.65 in debt for every dollar in disposable income, meanwhile the personal savings rate in Canada stands at a paltry 3.9 percent.
There are plenty of reasons why we owe too much and save too little. The economy stinks, people get laid off, and salary increases are few and far between.
That said we're often our own worst enemy when it comes to taking care of our finances. Here are eight habits that are killing your retirement dreams:
1. You don't watch your spending
It's tough to stop a money leak when you have no clue where your money is going. Small daily purchases do add up (latte factor, anyone?), but these spending categories can bust your budget much faster – big grocery bills, dining out too frequently, filling your closet full of new clothes, one-click online shopping, and expensive hobbies, to name a few.
The solution: Write down everything you spend for three months. I guarantee you'll have an 'a-ha' moment at best, and at worst discover something useful about your spending habits that you'd be willing to change.
The goal of course is to spend less than you earn. It's one of the major tenets of personal finance.
2. You want the newest 'everything'
Fashion and décor trends change, technology constantly evolves. Staying ahead of the curve means shelling out big bucks for the latest and greatest products. The problem is your capacity to buy new things will never keep up with the pace of innovation and change. It's an endless cycle.
The solution: Wait. Early adopters pay a hefty premium to be first. Look no further than televisions, where the latest innovations can initially go for between $5,000 and $10,000 – 10 times what they'll cost in a year or two.
The bigger issue is the psychological need to always have the latest gadget or be at the cutting edge. Ask yourself whom are you trying to impress.
3. You have the constant need to upgrade
Fewer than half of all iPhone users hang onto their smartphones until they stop working or become obsolete. Most want to upgrade as soon as their provider allows it – usually every two years. A small percentage upgrades every year whenever a new model is released.
While spending a few hundred dollars on a new phone every other year might not hinder your retirement plans, it could be a symptom of a bigger problem. The constant need to upgrade your technology, your car, and even your home can be a big drain on your finances.
Nearly three in 10 homeowners get the urge to move every five years, and 14 percent actually want to move every year.
The solution: The same buy-and-hold approach that you take with your investments can also apply to your major purchases. The Globe and Mail's Rob Carrick suggests a 10-year rule for homeowners to combat the odds of a housing crash and to save on transaction fees.
Extending the life of your purchases, even by a year or two, can free up cash to pay down debt or save for retirement.
4. You treat credit card debt as a fact of life instead of a hair-on-fire emergency
Life can be expensive but there is no excuse for using credit cards to support your lifestyle. Despite what your friends or coworkers might say, credit card debt is not a fact of life. This may come as a shock but you can save up in advance for a vacation or new kitchen appliances.
The solution: Nothing can ruin your finances quite like high-interest credit card debt compounding every month. Stop everything and assess your income and expenses. Cut discretionary spending, put any savings plans on hold, and throw every cent towards your highest interest debt until it's gone.
Related: Debt avalanche vs. debt snowball (or when math trumps behaviour)
5. You use low interest rates as an excuse to finance depreciating assets
Borrowing to invest can make sense when your expected return is greater than the cost of the loan. But it's a mistake to take out a loan – even at today's low interest rates – to finance consumables and depreciating assets.
Common reasons to take on debt today include weddings, vacations, furniture, and vehicles. A home equity line of credit can provide flexibility to pay for big purchases, but the habit of borrowing from your future self to pay for today's consumption is a major retirement killer.
The solution: You need a financial plan. Most of us can wrap our heads around saving for retirement but we struggle prioritizing and funding our short-term goals. A good plan helps you identify what's important in both the immediate and distant future and steers your savings towards the appropriate goals.
Put a dollar amount and a timeline on your goals and start saving. Trust me, it'll feel great to pay for your next vacation or big-ticket purchase in cash.
6. You're too complacent
Doing nothing is often the best course of action when it comes to a volatile stock market, but financial inertia can cost you in other ways. Some of us can't find $50 a month to save for retirement, yet we pay $15 a month or more in bank fees, won't drive half-a-block to save money on gas or groceries, and don't bother returning items of clothing that don't fit.
Worse examples of complacency are when people don't take advantage of their employer matching RRSP program, don't shop around for a better rate on their mortgage, or continue to pay high fees on their investments.
The solution: Sometimes we need a wake-up call or major life event before we start taking our finances seriously. Once you see how much complacency is costing you that's usually enough to motivate you into taking action.
7. You put off retirement savings until a later that never comes
"We'll start saving for retirement once we've paid off our credit cards-line of credit-mortgage."
There are so many priorities competing for your hard-earned dollars. Sadly, retirement savings is easy to put on the back-burner while you deal with more immediate needs like a big mortgage, two car payments, a new trailer, and some expensive seasonal hobbies. Retirement is far away and you can save later, right?
If you're already killing your retirement dreams with the previous six habits then later might never come.
The solution: There's a reason why 'pay yourself first' is such a powerful savings tool. Money is automatically whisked out of your account before you get a chance to spend it. Like some kind of magic you barely notice and are somehow able to live on the rest.
8. You keep your long-term savings in cash
You actually managed to get some money from your chequing account into your RRSP or TFSA. The problem now is that it's sitting in cash – you actually need to take the next step and buy an investment such as a mutual fund, ETF, stock, bond, or GIC.
This is a uniquely Canadian problem as investors have nearly $75 billion in excess cash sitting in their portfolios.
The solution: Whether it's risk-aversion or analysis paralysis, you need to take action and get your retirement savings working for you. Speak with a financial planner who can help you make sense of your investment choices and risk tolerance. Read books, blogs, and magazines to try and educate yourself about investing and how to build a portfolio.
A good place to start is with the model portfolios listed on the Canadian Couch Potato blog.
Final thoughts
It's true, we do plenty to sabotage our own retirement dreams. The good news is that it's never too late to take control of your finances and start saving for retirement. Start by fixing bad habits that have a negative effect on your finances.
Save enough and you can retire on your terms.


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i recently shifted from main domain to a sub-domain.. blog.mysite. since then the remember me option which comes while admin login, stoped working...
The sessions seem to work as i am logged in until i close the browser window but the cookie does not seem to work properly..
What do/where do i need to change the cookie info??
Thanks in advance

subset: commoncrawl


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Lorna June Giles of Edgartown, a loving, energetic life spirit and force, died on Thursday, April 28. She was 62.
Friends of Asa French and his family are invited to a memorial gathering in his honor on Sunday, May 15 at 1 p.m.
Jeanne Van Leer Campbell, a longtime seasonal resident of Martha's Vineyard, died peacefully in Newton on March 19, five months after she learned she...
Herbert Randolph Mercier Jr. died peacefully on April 23 at his home in Edgartown, surrounded by his family. He was 84.
Edward Lynn Setterberg of Greenwich, Conn. and Tashmoo Farm died April 17. He was 43.
Robert A. Plante of Falmouth died Friday, April 22 of natural causes. He was 93.
William T. (Tony) Ratcliff of Oak Bluffs died on Thursday, April 21 at the Martha's Vineyard Hospital. He was 70.
Dr. Michele Marie Lapeyrolerie-Torian, a resident of New York city, Montclair, N.J., and Edgartown, died on Tuesday, April 5. She was 62.


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Roaring Fork Sotheby's International Realty Kickoff to FALL!
All chamber members invited to attend and bring a guest. Networking | Food | Wine | Beer | Giveaways | Grand Prize Drawing
Get a FREE shoulder massage by Simply Massage &
You're Invited to the Next Business After Hours Mixer on Friday, Sept. 30
What: Business After Hours Mixer Kickoff to FALL!
Where: Roaring Fork Sotheby's International [...]
Glenwood Springs Electric Vehicle Ride & Drive
Tuesday, Sept. 13
5:00 to 7:00 p.m.
800 block of Cooper Ave., around the corner from the Glenwood Downtown Market
Take a free test drive in one of the plug-in electric vehicles (EVs) being sold today by local auto dealers, including the Ford C-Max and Fusion, Audi M3, and Chevy Volt. Learn about how EVs work, how to compare different makes and models, where to find public charging stations, and [...]
Women Interacting & Networking (W.I.N.) Wednesday, August 31
Meeting Place (for THIS MONTH ONLY)
The Designer's Vault Design & Wine Room
(below Vectra Bank on 8th & Grand) Networking | Giveaways | Coffe from Starbuck's at the Glenwood Meadows| Breakfast sponsored by Vectra Bank & The Glenwood Springs Chamber What: August W.I.N. Meeting
When: Wednesday, August 31
Time: 7:15-9:00a.m.
Where: The Designer's Vault Design & Wine Room
Who: All chamber member ladies and their guest are invited to [...]
Aspen is one of Colorado's favorite year-round resort areas. It offers a profound history an abundance of outdoor recreation opportunities, an array of cultural activities, pleasant climate and gorgeous natural scenery. Aspen is a magnificent stimulant for fun and adventure, providing a grand assortment of events- in any season.
Previously held in Wagner Park, the festival has moved to Monarch Street in between Durant Ave and Main St. Showcasing an all-star line-up of the nation's finest artists, the Downtown Aspen Art Festival will provide you an exclusive opportunity to experience a broad range of phenomenal creations ranging from life-size sculptures, photography, glass, paintings, ceramics, one-of-a-kind jewelry, and mixed media. Take in fabulous views of Downtown Aspen, grab a delicious bite at a local eatery, and purchase original artwork from the artists themselves, as you enjoy this weekend of visual inspiration.
The featured giveaway for this show is a Cattail Reed piece by Cheryl Ward, valued at $400.00, measured at 18″x18″, named "Green Mottled Prairie Grass." To register to win, stop by Cheryl's booth at the show. Learn more about all of Cheryl's work by visiting www.wardartstudio.com
For the past ten years, the Vince Gill & Amy Grant Gala and Golf Classic has been an overwhelming success for Challenge Aspen as the cornerstone of our annual fundraising efforts. The event is hosted by Grammy Award winners Vince Gill and Amy Grant, friends of Vince and Amy, disabled athletes and wounded veterans. Featuring two days of musical and golf excellence, the Classic provides an unforgettable experience. Proceeds benefit Challenge Aspen, providing year-round recreational, educational and cultural experiences for anyone with a cognitive or physical disability.
Monday, July 28th, 2014
Enjoy a cocktail reception followed by dinner and an evening filled with exceptional, one of a kind live auction items and experiences. The highlight of the event will be a musical performance by Vince Gill, Amy Grant and friends. The gala will be held at the beautiful St. Regis Aspen Resort. Guests will include Challenge Aspen supporters, Aspen philanthropists and special VIP's. The event will honor injured service members as well as participants of Challenge Autism and Challenge Aspen REC programs (recreational, educational and cultural programs).
Tuesday, July 29th, 2014
Tee off with Vince, Amy, and special friends for a day of amazing golf at the private Snowmass Club Golf Course. Foursomes will be paired up in a scramble format for this James Engh designed course. Experience the challenges of the course and the surprises that await as local Aspen restaurants provide sumptuous treats and beverages on course all day long. The all-inclusive event offers complimentary treats, player gifts, pro clinics and exhibitions, and a post event awards party.
Register to win a FREE VIP PASS to ArtAspen from July 31st until August 3rd!
All you have to do is go to http://kspnaa14.eventbrite.com/ and click "register" to enter to win.
VIP PASS Gives You and a Guest Access To:
Unlimited entrance to the fair July 31-Aug 3
+ Opening Night Preview Thu July 31, 5-9pm
Fair Hours:
Thursday July 31, 5-9pm
Friday Aug 1, 11am-8pm
Saturday Aug 2, 11am-8pm
Sunday Aug 3, 11am-6pm
Your complimentary VIP PASS admits you and one guest to Opening Night Preview on Thursday Aug 31, 5-9pm. Aspen Peak's Sneak Peak +10th Anniversary Bash. Benefits Aspen Valley Ski & Snowboard Club. Enjoy complimentary wine. Unlimited entry to the fair throughout the weekend.
Join us as ArtAspen returns for its eagerly awaited fifth edition. The Fair offers the gallery art world exclusive entry into the semi-private and affluent playground of the rich and famous.
Aspen's First and Only Fine Art Fair for Important Contemporary Art
Limited in size to just 30 dealers, this intimate and impeccably designed setting provides fairgoers an elegant and manageable viewing and buying experience. It is the ideal setting for both art dealers and art collectors to meet and mingle while experiencing the most dynamic marketplace for important art, ranging from 1950-present.
Prominent artists, art collectors, curators, gallery owners, celebrities, and philanthropists from around the world gather in Aspen every year during the first week in August to celebrate the Aspen Art Museum. Featuring a celebrated wine tasting and auction, seated dinner for 350 guests, live and silent auctions of major works of contemporary art, and the presentation of the AAM's Aspen Award for Art to 2014 artist nominee Ernesto Neto, ArtCrush is the preeminent party of the summer season. Join us for this unique event that provides an opportunity to support the Aspen Art Museum by combining art, wine, and philanthropy.
Party like it's 1964!
That was the year that the Wilderness Act established the first 54 wilderness areas, including the Maroon Bells-Snowmass Wilderness. This 50th anniversary is a fitting moment to celebrate that bold legacy and to throw a giant, joyful party for our beloved Maroon Bells.
The Maroon Bells Birthday Bash will be a good-old-fashioned, family-friendly party – complete with cake and candles! And given the Bells' fame, it promises to be something of a reunion for fans from around the state and beyond.
The outdoor festival will run from 3 to 9 p.m. (see schedule) and will feature live music by four bands, an address by author/activist Rick Bass, a Ute Nation ceremony, kids' activities and wilderness displays.
Advance tickets are just $10 for adults, with kids 12 and under free (and that includes cake!). Parking is also free. The Highlands Alehouse will offer special food and drink deals.
The Bash is a presentation of the Wilderness Workshop, Aspen Center for Environmental Studies and the US Forest Service. A half-dozen other organizations will also offer a range of free pre-Bash activities including wilderness hikes, projects and educational programs.
In addition to celebrating our regional landscape, this daylong event will raise awareness about the benefits of our wilderness areas as well as stewardship challenges faced in the future.
A 50k ultra trail running race that will cover all four area mountains. The race will begin at the base of Aspen Mountain, peak at the Sundeck and follow single-/double-track trails through Aspen Highlands, Buttermilk and Snowmass before finishing in Snowmass Base Village.
The race will begin at the base of Aspen Mountain, climb to the Sundeck, and then follow single- and double-track trails over Aspen Highlands, Buttermilk and Snowmass before finishing at Snowmass base village.
This will be a very challenging race with almost 10,000′ of climbing over 31 miles (50K).
NEW for 2014: We are offering a short course (Rec) which will include the Buttermilk and Snowmass portions of the course. This course is 14 miles (22K).
The race offers options for all runners with solo full and rec course as well as relay for teams of two and four.
The race will award a $2,500 prize purse. The top three men (1st – $750, 2nd – $350, 3rd – $150) and women (1st – $750, 2nd – $350, 3rd – $150) finishers will be paid out of the purse.
All registered racers will receive a Helly Hansen Pace 1/2 Zip Short Sleeve and finishers will receive a custom gift with the race logo.
An awards ceremony will be held in Snowmass base village where finishers will be awarded custom medals.
We are looking for race volunteers. Volunteers will receive a Helly Hansen Pace 1/2 Zip Short Sleeve. If you are interested please email Buck Erickson ([email protected]).
Experience the beauty and magic of live, professional-level community theatre in Aspen, Colorado. Each year, artists and volunteers from Aspen, Basalt, Carbondale, Glenwood Springs and beyond join together share with you our love of live performance. ACT, a non-profit Aspen arts organization, has been producing theater locally since 1977.
This fall, Warren Miller releases its 65th ski film,No Turning Back. The newest installment pays homage to the 65 years of mountain culture and adventure filmmaking that has lead us to every end of the winter world—and this year is no different. From beneath the blankets of powder in Niseko, Japan to the top of Greece's Mount Olympus, the French Alps, and the Mom & Pop hills of Montana, each location is sure to provide nothing but stoke. Watch Olympian Ted Ligety shred the World Cup in Colorado, Ingrid Backstrom and Jess McMillan push the boundaries of the Alaskan Chugach, and JT Holmes and Ulie Kestenholz take flight high above the Swiss Alps. Revel in the celebration for this year's winter season and remember, this time there's No Turning Back. Find shows, get tickets and more at warrenmiller.com.


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The Amazing Vanishing Spain/Italy Bond Spread
Italy's Former Prime Minister Silvio Berlusconi is casting a shadow over Italian government debt, nearly two years after a surge in Italy's borrowing costs prompted his ouster.
Tuesday, for the first time since early 2012, the gap in yields between Spanish and Italian 10-year debt—a key measure of which country is favored by investors–shrank to zero. Italian bonds no longer stand proud above Spain's. A month ago, they held a 0.27 percentage point lead.
Political wrangling in Italy has been the biggest driver of this relative sogginess in the country's bonds. While Italy's bond yields are still pretty low from a historic backdrop–the benchmark 10-year government bond currently yields 4.49% compared with over 7% when Mr. Berlusconi was last in power in late 2011—the weakness relative to Spain, where the political climate is more sedate, is noticeable. Ten-year bond yields have climbed by 0.31 percentage points in Italy in the past month. Spanish bonds have barely budged.
Investors are concerned that a break-up of the coalition and renewed political uncertainty would stifle efforts to revive Italy's economy.
Daniele Antonucci of Morgan Stanley does not expect a sustained sell-off in Italian bonds as the European Central Bank's pledge to do whatever it takes within its mandate to save the euro, as well as a search for returns, keeps the debt supported. The Italian economy also appears to be turning a corner.
But should there be a political crisis, Mr Antonucci has assigned probabilities to different outcomes. Here's what he thinks:
Scenarios: We believe that, regardless of the possibility and – should it happen – timing of a possible political crisis, most scenarios suggest caution on Italy's prospects of structural reforms on the economic, institutional and, if needed, banking system fronts. To elaborate, here's what could happen in case of a crisis:
1. The President manages to orchestrate a reshuffled cabinet capable of mustering the support of the Parliament (subjective probability: 30%). Two non-mutually exclusive options:
a. Some MPs belonging to centre-right PdL, maybe those focusing more on near-term government cohesion, decide to support a new cabinet, maybe drifting away from their party.
b. Some MPs belonging to the Five Star Movement, or perhaps even the whole party, make and agreement with centre-left PD on a limited reform programme.
2. No medium-term agreement is possible, but the politicians agree to change the electoral law before new elections take place, e.g., in 2014 or early 2015 (subjective probability: 35%).
3. No near-term agreement is possible, and new elections are set in, say, late November (24-25), without having previously changed the electoral law (subjective probability: 25%).
4. The politicians find a long-term agreement and support the cabinet in its current form until the end of its term (2018) or close to it, with little or no political stress (subjective probability: 10%).


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This project aims at developing a .NET library (.DLL) for simplifying RFID software development, especially on mobile handhelds. The library will amongst other things contain methods for encoding / decoding EPC-Codes for storing on read/write chips.
Easy as NAT -Open WiFi Bandwidth Sharing
Our aim is providing fixed nodes with redundancy, share unused bandwidth, and create hotspots with base services(web,email,IM,etc.) for any roaming user. GOAL - To make sharing your excess bandwidth as easy as setting up a NAT (Or XP ICS). Admins Needed!
Free Cell Phone Ring Tones
Do you pay for ring tones on your cellphone? Well the idea here is to make a web based application for all platforms that can be used to upload your own music and convert it from .mp3 format to ring tone format and send it to your phone in a text message
Enabling Adempiere/Compiere server data to a Mobile phone. Currently supports WIN CE, will be extended to Symbian based phones in later releases.
Handheld-based system (PalmOs or PocketPC) to acquire and analyze infrared-camera based images.
Micro VLE
A learning platform for Windows Mobile based devices providing rich user experience. The platform will facilitate both synchronous and asynchronous communication among users as well as on-demand resource download.
Mu san Antonio
Mu San Antonio es un juego Rpg del cual muchos disfrutaran
NERPA open ERP project
NERPA is an clusterable/distributable/scatterable open ERP/CRM/ProjectManagement software, targeted to public application services, warehouse centers and frontend/backend corporate IT infrastructure.
Open RiSC-SOM
Project to Open Hardware Designs, Schematics, PCB files, JTags and BSPs of 32bit MMU enabled RiSC-SOM(tm) for non-profit org(s).
The latest Bittorrent tracker. the sign up is free and we have a lot of things to share with you. Please join us!(pirate-arm.net)
A Windows Mobile appliction like the kitchen timer.


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Satellite and ship-tracking technology bring good news for a California-sized swath of ocean.
Continue reading "Fishing ban in remote Pacific waters is working, report finds"
Satellite and ship-tracking technology bring good news for a California-sized swath of ocean.
Continue reading "Fishing ban in remote Pacific waters is working, report finds"
A remote strand of Pacific islands represents an "experiment" in how coral reefs can recover from widespread bleaching.
Continue reading "As Oceans Warm, Hazards and Hope for Coral Reefs"
If we fail to conserve World Heritage Sites, how can there be any hope that we can save the rest of our natural world?
Continue reading "In Age of Upheaval, World Heritage Sites Offer Model for Conservation"
Kiribati's newest announcement aims to regenerate a vital ocean area the size of California.
Continue reading "Small Islands, Giant Oceans: Q&A with President Tong of the Republic of Kiribati"
Amelia's final resting place may be the waters of Kiribati — a place I've been working to protect for nearly a decade.
Continue reading "Honoring Amelia Earhart's Legacy in the Phoenix Islands"
How can we conserve remote island chains like Kiribati on a shoestring budget? I'm here to find out.
Continue reading "Bird Cities, Pristine Reefs … and Lots of Trash"
Two island nation leaders have been raising the bar for government action on climate change.
Amidst the hype and excitement of the opening of the Rugby World Cup last week in Auckland, New Zealand, extraordinary
Continue reading "For Ocean Protection, Island Nations are Leading the Way"
I've been a scientific explorer for most of my adult life, and this work has taken me all over the
Continue reading "Phoenix Islands: The Holy Grail of the Ocean"
TED (Technology, Entertainment, Design) is a non-profit known for bringing together some of the world's most innovative thinkers to spread
Continue reading "Greg Stone's TED Talk: Saving the Ocean One Island at a Time"


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Health in Hands Spa
Bid Stress Adieu with a 60- or 90-Minute Trigger Point Therapy, Sports, or Prenatal Massage
special delivery
shop unique gifts and deliver them with style
easy, flexible delivery
print it out, email it now, or schedule it for a later date--it's up to you
personalized email
Emailing your gift? Write a message, select a theme, and hit send. The price you paid will not be displayed in the email.
special printed voucher
Delivering the gift in person? Choose a theme, print it out, and pass it along to that special someone. It's that simple.


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*toward cap cost reduction or down payment on Lease/Finance
The process of buying a new Nissan car or truck can seem overwhelming if you don't know where to begin. Edmunds.com can get you started on the right track with a convenient directory of Nissan car dealerships in and around Houston, Texas. Compare online price quotes on the new or used car, truck, SUV, minivan, or wagon of your choice to locate the best deals. Edmunds.com makes it easy to find trusted Nissan car dealers in Houston, saving car buyers time and money on what will be an important purchase.
Non Display Review Name "This is my second purchase from Chris Bennett. He is an excellent sales rep, helpful, takes his time with customer, and answers all questions or conce"... Read more Review by: teneab
Non Display Review Name "McDavid Nissan made my car buying experience easy. My car was totaled in an accident and I needed something to replace it. I went to other dealerships"... Read more Review by: rayvenj
Non Display Review Name "went into store looking at a Altima bob b. took care of me and the rest of the staff was very nice as well. juan m. went over all the numbers It has b"... Read more Review by: amp81803
Non Display Review Name "I was in the market for a new SUV & had been to some other Dealership in the area and was not happy with what they keep trying to push me toward purch"... Read more Review by: Youngtx3
Non Display Review Name "My wife and I shopped several dealerships but Robbins Nissan had the truck we wanted and we were able to negotiate a price that worked for us. The sa"... Read more Review by: TheGrump
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Non Display Review Name "My name is Ashley, My experience with Baytown Nissan was awesome, it was a blessing the whole team was very welcoming. The experience was smooth every"... Read more Review by: ashleym8


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Definition of occipital condyle in English:
occipital condyle
Each of two rounded knobs on the occipital bone that form a joint with the first cervical vertebra.
Example sentences
- The diplodocoid occipital condyle faces ventrally, suggesting that the head was held higher and at an angle to the line of the neck.
- The basioccipital may bear several small foramina for the hypoglossal nerve near the base of the occipital condyle.
- The exoccipitals are large and, with the basioccipital, form the occipital condyle for articulation with the first vertebra.
For editors and proofreaders
Syllabification: oc·cip·i·tal con·dyle
Definition of occipital condyle in:
What do you find interesting about this word or phrase?
Comments that don't adhere to our Community Guidelines may be moderated or removed.
= trending


text:
I believe end of quarter window dressing and big money juicing the markets for one last push before earnings warnings start hitting will cause the VIX to continue its epic collapse from November.I believe earnings will be weak for the next two quarters (unlike what all the BULLS are saying on TV) and I do believe we will see a rebound in VXX and UVXY after the first week of April.People, no question the media is lying to us. It's like all the worlds problems just vanished, and we all know that isn't true. With that being said, it's really dumb to fight the tape.
here is my delima, with the bottom your forcasing to 13, thats a 2.5 doller difference from right now, if this is the bottm then UVXY will shoot up, now its one of those things that maybe put some in but not all and see what happens? if/when it hits 13 then put the rest in?They now have options on this as well.Ya options on a 2x fund is wild.
What will a 5% to 10% corection do to this??thanks


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Free personalized radio that
plays the music you love
Smack That
Features of This Trackclub rap roots
gangsta rap influence
r&b influences
east coast rap influences
beats made for dancing
party jam style
syncopated beats
consistent rhyme patterns
clear pronunciation
lyrics with heavy erotic content
a repetitive song structure
the use of chordal patterning
backbeat handclaps
melodic part writing
a tight kick sound
dark & deep beats
a slow moving bass line
synth riffs
a dry recording sound
These are just a few of the hundreds of attributes cataloged for this track by the Music Genome Project.show more
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Oh looks like another club banger they better hang on when we thro this thing on get alittle drank on they gon flip cuz it akon s**t u can bet on pedicure manicure kitty cat claws the way she climbs up and down them poles looken like wanna them putty cat dalls tryna hold woody back through my draws steps up to stage didnt think i saw her creeps up behind me shes like your im like ik lets cut to the chase no ti
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Dulux Perfect Finish Split Bristle Tipped Paint Brush (W)1", 1½", 2", Set of 3
Dulux Perfect Finish Split Bristle Tipped Paint Brush (W)1", 1½", 2", Set of 3
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Harris Paint Brush, Set of 5
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Exclusive to B&Q, Harris Never Buy Another is a range of paint brushes that offer something a little bit different. Crafted with the upmost care and to the highest standards in the UK, you will receive a brush with superior performance and a lifetime service, no matter what. If your ...
Great for removing loose rust and dirt from metal items around the home and garden, this wire brush has a tough grip handle for a more secure grip and to protect your knuckles. The versatile brush can also be used for cleaning brickwork, render and pebbledash before painting. Guarantee - ...
Satin tipped, high quality natural bristle with superb paint pick-up and spreading rate Durable and easy to clean varnished wooden handle Vapour box compatible
Finely tipped and flagged high-quality synthetic filaments with superb paint pick-up and spreading rate Durable and easy to clean varnished wooden handle Vapour box compatible


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- Scrubs
- Classic Tops
- Men's Scrubs
- Women's Scrubs
- blue sky Classic
- Grey Label Scrubs
- Women's Scrub Tops
- Women's Scrub Bottoms
- Handmade Custom Scrubs
- Tall Classic Scrub Bottoms
- blue sky Kids
- Custom Scrubs
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- Farrah Poppy Scrub Hat
Farrah Poppy Scrub Hat
Lucky turquoise and goldenrod starbursts decorate a brilliant purple canvas. If you are a fan of the bouffant but want to add a little color to your scrubs, the operating room Poppy scrub cap is for you. This surgical hat can also be worn as a pony-tail cap.
The Farrah scrub hat looks great with our Aquamarine Scrubs and our Carnegie Green Scrubs.


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Mom, 1
Energy drink for kids.
Advertising Agency: Ogilvy & Mather, Mumbai, India
Creative Director: Abhijit Avasthi
Art Directors: Anjali Ramani, Meera Adhia
Copywriter: Anurag Agnihotri
Illustrator: Ajay Borle
Photographers: Suresh Natarajan, Avadhut Hembade
6 comments
Ah!! Good that no one has posted anything for this ad. I mean, no trainee from O&M. My God!! Don't you guys think that your idea, kinda forced, will get lost in so many before-after ads done these days? Anyways! Mr. Awasthi when do we see some good long copy ads from O&M?
I think personally its a good strategic thought! But a little close the Milky Bar which gave kids energy and all the toys were tired! Anyway don't really mind it!
Haha, I like it.
Go Mum, go!
For hire and desire ... http://www.prettymorning.co.uk
Please vote for us! http://www.thefwa.com/submissions/ertl-design


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Hope PMBA Enduro Series – Full Sponsors and Prize Pot
Huge pot and complete list of sponsors announced
Huge pot and complete list of sponsors announced
Chuffin' 'eck, there's some reet grand stuff in't office this week, thar kners
A dropper post you can cut down to size? What? With a saw? Really?
We're proud to be supporting the PMBA Enduro Series for a second year in 2015; and entries go live today at midday.
Laydeez and Gennlemen, it's what you've been waiting for – it's Fresh Goods Friday!
Internal cable version and lower collar versions coming out soon.
Finally a 27.2 uppy/downy post! And how about a rear shock with ally spring?
Not got an account?


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Friday's prep roundup: Polk, East get softball wins
Published: Friday, March 5, 2010 at 11:18 p.m.
Last Modified: Friday, March 5, 2010 at 11:18 p.m.
Polk County 9, Rosman 8
Trailing 7-6, the Lady Wolverines put up three runs in the bottom of the fifth and held on to defeat the Lady Tigers in a non-conference game in Columbus. Polk took the early lead with three runs in the second inning and then allowed six Lady Tiger runs in the top of the third. The Lady Wolverines cut it to 6-5 with two runs in the fourth, and then both teams each had a run in the fifth, making the score 7-6. Rosman (0-1) ended the game with five hits and seven errors, and Polk (3-0) had seven hits and three errors. Yancey Pace (1-0) picked up the win, going three innings with two runs, two hits, five strikeouts and five walks. For Polk, Nikki Williams was 1-for-2 with three walks, a run and an RBI; Shalyn Brown was 1-for-2 with a walk, a run and an RBI; Cassie Couch was 1-for-2 with a walk, a run and an RBI and Pace was 1-for-1 with a run. Polk won the JV game 4-1. The Lady Wolverines return to action Wednesday at Mountain Heritage.
East Henderson 17, Asheville 11
At East Flat Rock, the Lady Eagles put up seven runs in the fourth and five runs in the sixth as they went on to take a non-conference win. East had six hits and seven errors, while Asheville had 11 hits and six errors. The Lady Cougars went up 7-1, but East responded with a 10-2 run. For East, Maddie Miller was 2-for-2 with a double, Bekah Brandt was 1-for-2, and April Hanson was 1-for-2. Brandt picked up the win, going five innings and allowing seven runs off eight hits with seven strikeouts and six walks.
R-S Central 1, East Henderson 0
At R-S Central, the Lady Hilltoppers got a header goal off a corner kick with eight minutes left in the match for the win, despite being outshot 17-7. East (0-1-1) returns to action Monday at Pisgah.
Reader comments posted to this article may be published in our print edition. All rights reserved. This copyrighted material may not be re-published without permission. Links are encouraged.


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Keith Surprises Ellen's Audience
Keith Urban stepped in and delivered an impromptu concert to the studio audience of The Ellen DeGeneres Show, after the popular host cancelled the taping of two shows in Los Angeles, Oct. 18.
Keith was on his way to the television studio when he heard about the cancellations, which were believed to have resulted from the controversy surrounding a dog that DeGeneres had adopted. He performed his current hit "Everybody" for a segment that will air on Ellen's show Monday, Oct. 22, and "Once in a Lifetime," expected to air around Nov. 20. According to Nashville's daily newspaper The Tennessean, Keith wished Ellen well and noted, "We all love her, and God bless her."
Don't miss an issue! Subscribe to Nash Country Weekly.


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Book your room at Hotel Del Lago
Get an overview of this hotelLakefront hotel with free breakfast and bar/lounge
Situated on a lake, this hotel is 3 mi (4.9 km) from Museum of Terranuova Tuscany and within 9 mi (15 km) of Franciscan Monastery of St. Francis and Gianfranco Carla Fineschi Botanical Rose Garden. Museum of San Lorenzo and Accademia Valdarnese del Poggio Library are also within 9 mi (15 km).
Hotel Features
A bar/lounge, a coffee shop/café, and coffee/tea in a common area are available at this hotel. Free continental breakfast is provided, as well as free WiFi in public areas, free self parking, and free train station pick-up. Other amenities include a 24-hour front desk, express check-in, and multilingual staff.
Room Amenities
All 28 rooms offer free WiFi, LCD TVs, and hair dryers. Other amenities available to guests include showers, desks, and free toiletries.Would you like to give us feedback? Share it! Opens in a new window
Hotel Del LagoLoc. San Cipriano Cavriglia AR 52022
Hotel Amenities
Hotel Amenities
The hotel offers a coffee shop/café. A bar/lounge is on site where guests can unwind with a drink. A complimentary breakfast is offered. Public areas are equipped with complimentary high-speed wireless Internet access.
This Cavriglia hotel also offers multilingual staff, a garden, and a picnic area. Onsite self parking is complimentary.
Hotel Del Lago has designated areas for smoking.
- 24-hour front desk
- Bar/lounge
- Coffee shop or café
- Coffee/tea in common areas
- Designated smoking areas
- Designated smoking areas (fines apply)
- Express check-in
- Fireplace in lobby
- Free breakfast
- Free self parking
- Free WiFi
- Garden
- Luggage storage
- Multilingual staff
- Number of buildings/towers - 1
- Number of floors - 2
- Picnic area
- RV, bus, truck parking
- Safe-deposit box at front desk
- Television in common areas
- Tennis on site
- Total number of rooms - 28
- Free train station pickup
- Use of nearby fitness center (discount)
- Year Built 1986
Available in all rooms: Free WiFi
Available in some public areas: Free WiFi
Free self parking, RV, bus, truck parking
Room Amenities
- Air conditioning
- Bidet
- Blackout drapes/curtains
- In-room climate control (air conditioning)
- Free toiletries
- Free cribs/infant beds
- Daily housekeeping
- Desk
- Dial-up Internet access (surcharge)
- Free WiFi
- Hair dryer
- Private bathroom
- Shower only
Where to Eat
Guests are offered a complimentary continental breakfast.
Nearby Things to Do
The recreational activities listed below are available either on site or nearby; fees may apply.
- Bicycle rentals nearby
- Hiking/biking trails nearby
To make requests for specific accessibility needs, complete the "Special or Accessibility Requests" section of "Trip Preferences" when you book your hotel.
- In-room accessibility
Hotel Policies
Check-in time ends at 11:30 PM
Check-in time starts at 2 PM
Check-out time is 10 AM
Payment types
- Pets stay free
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
No rollaway/extra beds available
Pets allowed (no fees)
- A tax is imposed by the city: EUR 2 per person, per night. This tax does not apply to children under 12 years of age.
- Resort fee
Optional extras
- Late check-out fee: EUR 20
Hotel Name
- Del Lago Cavriglia
- Hotel Del Lago Cavriglia
- Hotel Lago Cavriglia
- Hotel Lago
- Lago Cavriglia
We should mention
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. A resort fee is included in the total price displayed.


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Wednesday, Feb. 5, 2014
AUGUSTA, Ga. (WRDW) -- Roads are closing for sewer line repairs in Richmond County.
Workers were set to start Wednesday, but has been pushed back due to the weather.
Starting Thursday afternoon, Wheeler Road to Bransford Road and Joy Road to Devonshire Road will be under construction.
Drivers are asked to use a detour set up along Bransford Road to Walton Way to Aumond Road to return back to Wheeler Road.


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SIGN 145 Assessment, diagnosis and interventions for autism spectrum disorders
SIGN 145: Assessment, diagnosis and interventions for autism spectrum disorders provides recommendations on the identification of people with ASD, diagnosis, management and support for children, young people and adults with ASD.
The prevalence of ASD in children and adults is around 1% of the population in the UK. It can affect both males and females. There is an increasing understanding that autism spectrum disorder is a lifelong condition in which the core features persist whilst manifesting differently according to different age stages. Depending on the severity of autistic difficulties, ASD may not be evident as a presentation until adulthood, but may also be underdiagnosed due to coexisting conditions, family support, or masking of symptoms.
Prompt diagnosis and appropriate intervention, specialised educational programmes, and structured support may help a person with ASD maximise his or her potential.This guideline supersedes SIGN 98: Assessment, diagnosis and clinical interventions for children and young people with autism spectrum disorders.


text:
Today Is The Day Who Is The Black Angel? Lyrics
Last updated: 04/30/2004 10:18:22 PM
I own you Don't try running
I made you Slow down
I'm coming
Inside me I can't feel
what it means to love
Face your maker
He's no faker
Heal the blind one
There is no time left
Click here to submit the Corrections of Who Is The Black Angel? Lyrics


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Recent Recording
Bowers-Fader Duo
New Work by Judith Sainte Croix
Link to soudcloud
Recent Production
A Certain Quiet, a new opera based on the play La Strana Quiete
Theater for The New City, NY, NY
A collection of photos
from Productions & Recitals
& Rehearsals
Current News
Spring & Fall of 2015
This year my focus has turned to new music, which has been an exciting change for me, with a whole new set of challenges that I have loved meeting.
In the spring, I recorded a new piece by David Claman with the award-winning Cygnus Ensemble, which will be part of a compilation CD of Claman's work. "Avaley Tann" for two voices, violin, cello, mandolin, and guitar.
Later in the spring, I sang the lead role of Gaia in the world premiere of the opera "A Certain Quiet" by Haim Elisha at Theater for the New City. A fully-staged production with chamber ensemble that was well-received by audiences and critics.
This fall I sang in a choral project commissioned and produced by the Composers Concordance, called Pitches at an Exhibition - 36 new choral works by 36 composers, one minute each. Each piece was written as a companion to a painting by Rainer Gross, inspired by the Kabbalah. There are a total of 72 paintings, so next spring we will perform 36 new choral works to complete the set.
I wasn't about to let the connection with all these composers go to waste, so I asked several of them if they had music for voice and guitar, for my Duo with Oren Fader, guitarist. The composers responded so enthusiastically that Oren and I could program a concert with just new compositions! We hope to perform as many of them as possible in the coming months.
Stay tuned for more!
She performed in a benefit concert for the Multiple Myeloma Research Foundation; music of Kurt Weill with her husband, Oren Fader, guitarist.
Throughout the winter, Jessica did a series of house concerts and recitals with Oren in preparation for the recording of a CD of German lieder arranged for voice and guitar.
This spring Jessica has been working on a New Opera, A Certain Quiet, based on the play La Strana Quiete by the Italian playwright Renato Mainardi, presented by Theater for The New City, NYC.
For performance dates please visit schedule.


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Manchester United Message Board
you are viewing a single comment's thread.view the rest of the posts
A Yahoo! User Nov 29, 2009 09:47 Flag
Well now we know!!
As the commentators on SKY said if refs are going give penalties for that then penalties will be given every time an attack happens inside the box. Vidic may have had a slight hold on the portsmouth player `s shirt but not only did it not prevent the player from challenging for the ball but far worse goes unpunished in every premiership game. Heck even the portsmouth players were surprised at the award. However I don`t buy in to any conspiracy theories - at worse the ref was merely guilty of giving in to pressure from the crowd.Sort: Newest | Oldest | Most Replied Expand all replies
A Yahoo! User Nov 29, 2009 10:11 Flag
Cobblers, if Vidic hadn't held him down he would have got to the ball first and headed it into the net.
If you want to talk about a non-penalty then talk about Shrek's blatant dive.
A very fortunate result for your lot!
- 1 Reply to A Yahoo! User
seven of eleven seven of eleven Nov 29, 2009 12:01 Flag
See dogs of paw talking ..well s*it as usual.So your god now ,if Vidic hadn't tugged his shirt he would have headed it into the net..c*....rap....
Strange how you didn't come on here to defend Brown when that cheat drogba blaitently pulled him down for chelsc*ums goal 2weeks back.
Then it was or these thing's happen in football.
Any way did.nt matter did it.
refereeing has gone out of the window.....!


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I can't believe someone hasn't left a review yet. I've been trying to find a plugin that does exactly this for hours. I was a little scared that it wouldn't work at first because, "if it sounds to good to be true it usually is".
Installed it, copied my adsense code in. It worked. Thank you for this plugin.


text:
Making Campfire Jambalaya7 Photos
Looking for an easy recipe for a campsite crowd? Try cooking this one-pot jambalaya in a cast iron Dutch oven over campfire coals.
50 States, 50 Plates51 Photos
The must-have eats in every state (plus, DC) according to James Beard Award-winning chef Andrew Zimmern.
Best Irish Bars in the US11 Photos
Think all Irish pubs are the same? That's a lot of malarkey! Grab your pint glass and raise a toast to these 11 outstanding Irish bars in the United States.
Andrew Zimmern's 10 Favorite State Fair Foods10 Photos
From original cheese curds at the Minnesota State Fair to savory barbecue chicken at the Arizona State Fair, the 'Bizarre Foods' host shares his top 10 state fair foods.
Taste of Russia15 Photos
Take a gastronomical tour of Russia and explore its bounty of hearty dishes. From minced-meat patties to meaty dumplings, this visual feast will stoke your appetite for traditional Russian fare.
Best BBQ Festivals and Competitions10 Photos
When we think of barbecue, beer, bourbon and even blues come to mind. Here are some of our favorite BBQ festivals and competitions that deliver on all of the above.
Ice Cream Around the World12 Photos
While ice cream is an iconic American summer treat, variations of it are enjoyed around the globe. From India's Kulfi to Italy's gelato, get a taste of the world's finest frozen delights.


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Any fears die-hard
CLEVELAND — Declaring America in crisis, Donald Trump pledged to cheering Republicans and still-skeptical voters Thursday night that as president he will restore the safety they fear they're losing, strictly curb immigration and save the...
After what seemed like the longest primary season in history, Donald Trump is officially the Republican nominee for president. On Thursday night, he accepted the nomination in a speech at the Republican National Convention in Cleveland.
Wednesday's Mr. Robot featured the
STERLING, Virginia — Virginia Sen. Tim Kaine has emerged as the leading contender to join the Democratic ticket as Hillary Clinton's running mate, according to two Democrats, who both cautioned that Clinton has not made a final decision and...
Prentiss is back again -- and for a little bit longer this time! Paget Brewster will guest-star in...
As the GOP convention heads into its fourth day, at which point Ivanka Trump will address the nation in an attempt to steal back some of the thunder Ted Cruz took with him after his raucous appearance on day three.
Butte County Directory
Business Name
Location, ST | website.com


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Body Discovered In Smoldering Temecula HomeArson and homicide investigators are on the scene of a Temecula house fire, where a body was found Monday.
Best Artisan Eats and Drinks in TemeculaFrom small batch wines to locally produced and housemade menu items, these Temecula eats and drinks are an absolute win for a weekend getaway.
Crews Battle Brush Fire Along SB 15 Freeway In TemeculaFire crews Saturday were battling a brush fire along the southbound 15 Freeway in Temecula.
Plastic Surgeon's Billboard Claiming 'Size Matters' Stirs ControversyA plastic surgeon's billboard is stirring up controversy in Riverside County as a local high school student has launched a petition to have the sign taken down.
150 Show Up For Pro-Trump Rally In TemeculaA group of about 150 Donald Trump supporters gathered Saturday at a park in Temecula to celebrate Trump's newly cemented status as the presumptive Republican nominee for president.
Fans, Foes Clash At Pro-Trump Rally In TemeculaThe clash was heated but never escalated to violence, officials said.
Fallen Marine's Remains Returned To Riverside CountyThe remains of a U.S. Marine from Temecula killed in Iraq during an Islamic State attack are scheduled to be returned to Riverside County Saturday.
Marine From Southern California Killed In IraqThe U.S. Department of Defense says a coalition service member killed Saturday by enemy fire in northern Iraq was a Marine from Southern California.
Deputies Discover Human Remains Near TemeculaAnyone with information regarding this case has been urged to contact the Riverside County Sheriff's Department's Central Homicide Unit at (760) 393-3525.
Some Runners Claim Temecula 5K Failed To Give Them Run For Their MoneyThe participants said organizers failed to provide enough parking spaces, restrooms, water and other necessities.
Couple Arrested In Temecula In Connection With Christmas Morning RobberyAccording to the Santa Barbara County Sheriff's Office, Alfredo Cantu, 30, of Pico Rivera, and Jennifer Alvarez, 32, of Temecula, were arrested during the early morning hours on Tuesday at a Motel 6.
Firefighters Rescue Dog Trapped in Temecula Drain PipeFirefighters performed a technical rescue on Saturday night to remove a dog trapped in a drain pipe, the Riverside County Fire Department said.


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Gas Appliance Repair Technician Career Education and Training Info
Gas appliance repair technicians require no formal education. Learn about the training, job duties and job requirements to see if this is the right career for you.
Essential Information
Gas appliance repair technicians fix gas-fired appliances such as dryers, stoves, furnaces, ranges and fireplaces. Along with knowledge of gas appliances, they should also possess expertise in diagnosing and repairing problems with the electrical components inside gas appliances that keep them running. No formal education is required to become a gas appliance repair tech; on-the-job training is typically provided once employment is secured. Associate's degree programs in electronics and electrical engineering are available for those who wish to enroll in a postsecondary program.
|Required Education
|None mandatory; a high school diploma or GED may be preferred
|Projected Job Growth (2012-2022)
|0.7% for all home appliance repairers*
|Median Salary (2013)
|$35,150 for all home appliance repairers*
Source: *U.S. Bureau of Labor Statistics
Career Education for a Gas Appliance Repair Technician
Little formal education is required to become a gas appliance repair technician. A high school diploma or equivalent is helpful in first attaining the job, but there are no degree programs available in this field and thus no degree requirements. There are, however, postsecondary technical and vocational programs available in appliance repair that can be helpful in finding jobs as gas appliance repair technicians.
These programs, typically offered at vocational schools or community colleges, generally last 1-2 years and concentrate on education relating to the electrical components of home appliances. Even though gas appliances are fired by gases such as liquid propane and natural gas, they still contain electrical components and repair technicians must know how to fix those problems as well as any that can arise from the gas-related components.
Training Information
Since one can acquire a job as a gas appliance repair technician with little education, most training is done on the job under the guidance of workers with more experience. During training, new technicians hone their skills of troubleshooting various electronic and mechanical issues, interacting with customers in a friendly, professional manner and working independently to ensure adequate performance without supervision.
Many employers sponsor in-house classes and require technicians to attend seminars given by appliance manufacturers that keep repair skills up to date. Supplemental instruction is also available that trains technicians to perform warranty work and regular training sessions to ensure that they receive instruction on the latest models of gas-fired home appliances.
The initial training required by employers can last anywhere from a few months to a few years and supplemental instruction is ongoing to keep skills fresh and relevant. Manufacturers typically put out service bulletins to inform technicians and consumers of potential issues with gas appliances and technicians should be well-versed and up-to-date with these soon after they are released.
Because of the potential for volatility with gas-fired appliances that are incorrectly installed or serviced, training in this field must be thorough and constantly updated. Technicians should always have the tools available to ensure correct and safe repair of gas appliances.


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D700 - To FX or not to FX - DX is the question!
Dear Friends,
I have been pondering about a transfer to the dark side for a while now and a few Nikon advances have seen me become a bit impatient to go to FX; and I need you guys to give me clarity where otherwise confusion reigns.
The advances in Nikon D800's, D600's and D7100's are that I cannot afford the high end, I don't want video, I don't won't to change my cards.
I shoot with a D300 and have a D70s as backup (or the wife uses it when she feels the need to join me, mainly in Aug/Sep when the wild flowers come out in Western Australia)
I would like to find a low click (rare) D700 to move to FX. These are very rare in our fair land of Oz and therefore hold a good price when you can find one. And since it has taken so long to find one (still looking) the nasty seed of doubt grows in the brain.
So my D700 reasonings are these;
Same layout as my D300
Same batteries and CF cards
The amount of good press from you guys that enjoy them.
The thing I have against the change to FX is mainly based on my current lenses and the crop values of the D700.
I understand that if I use my wonderful 17-55mm f2.8 on a D700 the crop takes the picture to 5.1mp, which is sub level of my D70s.
If I bought a D600, for all the wrong personal reasons mentioned above, the crop value is 12.1mp which would at least give me the same quality that I have now. from my D300.
One shop assistant said I should forget about changing to FX and go to the best DX, a D7100. But all I see for my money is video, SD cards, smaller meterage (39 instead of 51) etc.
If you look at my current list of lenses you will see that there are only two, 50mm 1.8D and 70-300mm 4-5.6G that I could use on an FX camera.
I can see that it would appear that I want my cake and eat it too but I am just trying to make the transfer as least financially and equipment loss as possible.
I am all ears.................
Thanks in anticipation
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Visit my Nikonians gallery.
#1. "RE: D700 - To FX or not to FX - DX is the question!" | In response to Reply # 0
Wait for the D400.
Visit my Nikonians gallery.
#2. "RE: D700 - To FX or not to FX - DX is the question!" | In response to Reply # 0
Hi Andy,
I am sure many people will tell you to "go for it" - this is the D700 forum after all However, I also went from a D300 to a second-hand D700 last year, and have a note of caution. Yes, the D700 is a cracking camera, and the pictures from it are great. Not so great, perhaps, as the D800 with its extra pixels, but the D700 is just as good now as when it was released, and everyone thought it was fantastic then.
The "however" is (from my point of view) that it is noticeably heavier / bulkier than the D300, especially once you start to upgrade the DX to FX lenses and you want longer lenses to get that extra reach you get used to with DX. Also, unless you want the shallow DOF from shooting wide open on FX, I am also not sure that you will get much overall increase in IQ compared to the D300 and 17-55.
You didn't say why you are thinking to make the change to FX, and what you require from the system. I suggest you are clear about priorities, and be honest about things like limits you want on weight / costs etc.
I am actually thinking about going back to DX, because I find I prefer to carry a lighter kit.
Also when thinking about your decision, bear in mind the mythical D400 might be released later this year
Either way, they are all good cameras.
North Berwick, Scotland
My Website - https://images.nikonians.org/galleries/showgallery.php/cat/500/ppuser/162875" target="_blank">My Nikonians Gallery
#3. "RE: D700 - To FX or not to FX - DX is the question!" | In response to Reply # 0
You don't tell us why you feel the need to go to the FX format. That's not uncommon - many folks think it's automatically "better" but in individual cases it may not be the best option.
Given that you want FX, can't run to a D800 (or, presumably, a D4), and you want to stick with CF cards, you don't have much choice - it would have to be the D700.
But... what will a D700 give you? Your lens choices would be very limited. In real terms, a D700 will be about one stop better in noise at high ISO values - and that's pretty much it. I used a D300 and D700 alongside each other for a year or so, and in average-to-good lighting I could see no difference between them.
Have you considered the option of a D300s?
Other than that, you would have to compromise on one or more requirements.
By the way - the DX crop mode of a D600 offers about 10.3MP, not 12.1MP.
Welsh Nikonian
#4. "RE: D700 - To FX or not to FX - DX is the question!" | In response to Reply # 3
Thank you gentlemen for you views and observations
Interesting that you are thinking of going back to DX for the weight issues. And that you both feel that the D300 and D700 are close in many ways.
Both you and Brian mentioned that I did not state why I wanted to go to FX and my answer in part is, like Brian said, I thought that it was better. I am also afraid to be left behind by these leaps and bounds brought to us by Nikon, more insane pixels and ISO's and more video gimmicks and more price. Once the D700 is gone my opinion is that anything newer in that ball park will have video and XQD cards(which no one has a reader for?)
If I have it right the superior DX to the D300 is the D7100, which again has a small frame, SD cards and video. If I want video I use my 12mp Samsung III phone, which produces great video.
I also think that part of my reasoning to upgrade to FX is to do some justice to a new lens I had been after. I originally wanted to get a 70-200mm f2.8 VRII, but now that the f4 version is getting such rave reviews, better VR and is so much lighter that's what I am aiming at. But maybe I am barking up the wrong tree, maybe the 70-200mm f4 will be astounding on my D300. That's why I created my original post to get some sense of reasoning.
Visit my Nikonians gallery.
Visit my Nikonians gallery.
#5. "RE: D700 - To FX or not to FX - DX is the question!" | In response to Reply # 0
Andy -- Don't get tangled up with the memory card issue concerning the D800. I recently added a D800 to my existing family of two D700 bodies and am using the same CF cards I used in my D700s. The only problem is that an 8gb card holds only 90 14-bit RAW + a medium JPG versus the 250 such captures I get on the D700. But there is NO requirement even to install an SD card. Maybe I will acquire some in the future, but I am using the D800 daily in my business with 8gb and recently, 32gb compact flash cards and an empty SD slot. The other questions you have to answer first are what you plan or hope to get from an FX camera and whether your finances will support those goals. Someone else in another thread recently noted (a) that existing cameras don't suddenly start taking bad pictures when a new version is released, and (b) it is easy to blame the tools for bad carpentry. The issue of lenses is also germane, although if and when you can acquire top-shelf glass, it lives beyond camera bodies. Going from the D700 to the D800, I have found no need to change or add lenses. BTW, I have a friend who is pretty anal about lens quality and who is raving about the new 70-200 f4. In addition to being very, very excellent, he notes it is a lot lighter at the end of a long day.
Waterloo, IL, USA
Visit my Nikonians gallery.
#6. "RE: D700 - To FX or not to FX - DX is the question!" | In response to Reply # 0
To be fair to the D7100 it is superior technology to the D300. You lose buffer for sure and the familiar layout, but you gain quite a bit of dynamic range, and you get better ISO performance with 2x as many MPs. The photos being posted here on the D7000/7100 forum are stunning. You gain the ability to crop significantly and maintain usable photos. The AF system though it has less AF points/VF coverage is a new generation module and gets great reviews.
That being said I own a D700 and I love it so much, that when I added a D800e I refused to sell my D700. I pull it out mostly for impromptu photo sessions - but to be fair the D800e is the D7100 to its D300 and the improvements in DR and ISO performance see me using the D800e most of the time.
My advice would be if you go FX, go FX. As in get FX lenses and go all in. If you can't afford to I would hold off. I would have no interest to shoot my D700 in crop mode, in fact I never have. I sold my entire DX kit when I moved to FX and never looked back. The D600 and D800/e cameras are amazing. That being said, if you don't need the buffer and the form factor is satisfactory the D7100 holds its own amongst the new class of Nikons. You would have to change cards, good SD cards can be pretty cheap though.
Another option is to wait it out a little more and see if Nikon ever does release the D400. It bears noting that despite constant rumors over the last 3 years that it was imminent, it has never materialized. Still if you are not in a hurry, you could wait a bit, worst case scenario you still have your money and the D300 is a very capable camera.
Visit my Nikonians gallery.
Visit my Nikonians gallery.
#7. "RE: D700 - To FX or not to FX - DX is the question!" | In response to Reply # 5
A few points:
Don't get hung up on you memory cards. They are an accessory and getting cheaper. Your D70 uses SD cards and the D300 and D700 CF. Of course a D300s uses both.
Video is there, whether you want it or not. I have 3 DSLR's with video capability and I have yet to use it on any of them. I bought these cameras for their other capabilities.
The D7100 has 51 focus points, not 39, as the D7000 had. It will give you more pixels on the subject than a D700, and you can use your existing DX lenses. The dynamic range improvements over the D300 and D700 are amazing.
You'll pay as much or more for a used D700 than you will for a new D7100.
The D700 is a great camera. I had one. But technology has improved significantly since it's introduction. Right now, a used D700 is the low cost way to get into FX, if that is definitely what you want to do.
Visit my nikonians gallery
#8. "RE: D700 - To FX or not to FX - DX is the question!" | In response to Reply # 6
Maybe I should ask the question why do photographers move on to FX from DX?
I understand that I need to go the whole hog when changing to FX and it would happen eventually. Most people who have answered my original post have asked me why I want to go to FX and I have said that one of the reasons was that I thought it was better, natural progression as it were. Now I wonder what all the fuss is about if DX is up there with the best?
My aim for the future has always been to take better panoramics and I have thought, rightly or wrongly that I needed an FX to achieve it. If for no other reason than the 'negative' is bigger and the lenses are better.
If someone could tell me that I can get the same results from my D300 or D7100 then that is the way I shall head.
By the way I have just been offered a D700 with less than 5k clicks for $1350 which I have looked up is US$1245.
I have a question about resolution, here is the quoted figures for the D700;
FX: 4,256 x 2,832 (L), 3,184 x 2,120 (M), 2,128 x 1,416 (S).
DX: 2,784 x 1,848 (L), 2,080 x 1,384 (M), 1,392 x 920 (S)
And here is the D300;
DX: 4,288 x 2,848 (L), 3,216 x 2,136 (M), 2,144 x 1,424 (S)
Why are they larger on the D300 than the FX of the D700?
Is this what people mean by 'there's not much in it'?
Visit my Nikonians gallery.
Visit my Nikonians gallery.
#10. "RE: D700 - To FX or not to FX - DX is the question!" | In response to Reply # 9
Must be faulty memory on my part. It's been a long time since I had a D70. Didn't it have a hand crank to start it?
Visit my nikonians gallery
#11. "RE: D700 - To FX or not to FX - DX is the question!" | In response to Reply # 10
Hi Mick.
Hand crank = good one!
I only remembered because I dragged one out last night to help a neighbor with some advice on his.
#12. "RE: D700 - To FX or not to FX - DX is the question!" | In response to Reply # 0
Looking at your lens inventory, I believe it makes little sense for you to change to a FX camera at this point. A much better approach would be to exchange your DX lenses for some high quality FX lenses. Generally, FX lenses work very well with DX cameras, since the DX system only uses the center section of the lens which is usually the sharpest. In my opinion, the IQ of your captures is much more affected by the quality of the lens than by the camera. For example, the IQ of a picture taken with a D70 and a 70-200/2.8 will generally be of higher quality than an image taken with a D300 and an 18-200 VR or similar.
I got an 70-200/2.8 when I had my D70 and the 24-70/2.8 when I had the D200. I only changed to the D700, since I wanted to make full use of the beautiful Nikon 14-24/2.8. During the past five years I have not encountered a zoom lens that is equal to the three f/2.8 zoom lenses and they are the best lenses for the new high resolution D600 and D800 cameras.
Visit my Nikonians gallery.
Visit my Nikonians gallery.
#13. "RE: D700 - To FX or not to FX - DX is the question!" | In response to Reply # 4
I don't know if I'm the only one, but I bought my D700 ahead of subsequent release of FX models because I knew future cameras would include the video function in them; something I didn't want.
Whether to go with FX depends what subjects you photograph most. If the use of telephoto lens is needed, FX may not be the best unless you want & can afford the high end telephoto lenses.
I suppose if you really wanted to buy a good quality used D700, the earlier the better. At least the shutter won't be as worn.
#14. "RE: D700 - To FX or not to FX - DX is the question!" | In response to Reply # 13
>Whether to go with FX depends what subjects you photograph
>most. If the use of telephoto lens is needed, FX may not be
>the best unless you want & can afford the high end
>telephoto lenses.
Again, that isn't really a DX/FX thing - it all depends on the pixel count. A (DX) D300 is out-gunned in pixel density by the (FX) D800, for example.
Welsh Nikonian
#15. "RE: D700 - To FX or not to FX - DX is the question!" | In response to Reply # 0
I'll weigh in with my opinion. Maybe it will give you insight into the matter.
I started shooting film. Loved it and the smell of the darkroom. I resisted digital for quite a while, but eventually caved in and bought a D70. I noticed that my 50 1.4 lens gave me a different perspective on the crop camera...and I didn't like it. Eventually, I moved to the D200 and to the D300. Both were good cameras, but neither were good in low light. When I moved to the D700, I noticed that I got the same perspective of focal length that I got from my film cameras - which I really loved - and excellent low-light performance.
As the newer FX cameras came out, I decided to stick with the D700. In fact, I bought a second one when the prices started to drop. It was everything I needed.
I've read here and elsewhere about the improved technology. Aside from slightly better low light performance from the D700, the biggest improvements in my photography have come from practice and improvements in my technique. Yes, the newer FX and DX bodies have better dynamic range. This can be seen in numerous tests found on various internet sites. I've found that although the testers went to great lengths to display these technological improvements, the actual photographs really did not. Of course, I'm not a pixel peeper, so none of this matters to me.
I owned the D300/17-55 combo. The D700/24-70 combo is better. My copy of the lens is sharper wide open, and the D700 is better in low light. I also get the same perspective looking through the D700 viewfinder that I get looking through the finders on my film cameras. Those reasons were enough for me.
I also realize that my setup is a little bit heavier - which makes it cumbersome for daily use. To address this issue, I bought a D5100 and a couple lighter DX lenses. That's the kit I use for casual snapshots.
You already have a D70 and 55-200VR. I'd sell the 18-70 and pick up an 18-55 and possibly a 35 1.8. All three lenses are small, light, relatively inexpensive, and use matching 52mm filters. I'd also sell the D300 and 17-55 and go with the D700/24-70. You've already found a nice deal on the lightly used body around which you can build a fine kit. Go for it.
Visit my Nikonians gallery.
#16. "RE: D700 - To FX or not to FX - DX is the question!" | In response to Reply # 15
Hi Guys,
Well I did it anyway!!
I have a D700 with about 5000 clicks, a 14 - 24mm f2.8 and a 85mm 1.4 and an MB-D10 battery grip.
If anyone in Perth, Western Australia is interested the gentleman still has a lot of gear to get rid of. Through no fault of his own he has fallen on hard times and needs to sell.
He still has a Elinchrom 500/500 flash units with Manfrotto tripods.
Nikon 70 - 200mm f2,8 VR I
2 x SB 900 flash guns
Spyder 3 Express and a few other flash brackets and background sheets etc.
Anyone interested can give me a pm and I will put you in touch.
Visit my Nikonians gallery.
Visit my Nikonians gallery.
#17. "RE: D700 - To FX or not to FX - DX is the question!" | In response to Reply # 16
Hi Andy,
I have the D300/d700 combination which is fantastic...have kept my 17-55 12-24 DX lenses for d300, have 70-200 and 100m and 60 macros for both and a new 28-300 which will be fantastic on both....
I think you have made a great choice which works well for both now and the future, and of course the layout in both cameras is similar...
Happy shooting
John H
Visit my Nikonians gallery.


text:
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Issac Aliche | PhD in Health Services Graduate
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NEW YORK -- The specialty beer segment, which includes microbrews, will exhibit an average annual growth rate of 15% through the year 2000, according to a report published this month by Beverage Marketing Corp. here, a research and consulting firm. "The growth of the specialty beer market has been driven by the same factors since its beginning," Gary A. Hemphill, Beverage Marketing's vice president of information services, told SN. "Specifically, consumers are drawn to hearty, high-quality, ...
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