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Trex Decking in Williamstown, WV
Trex decking in Williamstown, WV is highly recommended for anyone who wants a new deck in their backyard. Whether you have a pool or you just want a nice place to relax outside on a nice warm summer day, this option is definitely worth looking into for a number of reasons. The Trex decking Williamstown, WV has to offer is extremely durable and long-lasting, so you can count on it to stand the test of time. If you don't want to waste your money on just any decking, this is by far the best option you have.
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Thomsons Landscaping26130 State Route 7 Marietta, OH 45750
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Bryan Turner had a vision of ending extreme poverty. Together, we can make his vision a reality.
Bryan Turner dedicated his life to ending extreme poverty. Most people think this will never happen but the reality is we could very well see the end of extreme poverty within our life time.
The Truth
- Everyday children around the world die needless preventable deaths
- Making an impact isn't as difficult as you might think
- The smallest effort towards ending extreme poverty will help SAVE REAL PEOPLE'S LIVES
Who was Bryan Turner?
Bryan Turner was a young activist, son, brother, boyfriend, and friend who died tragically in a BASE jumping accident March 9th, 2015 at the Perrine Bride in Idaho. Before Bryan died, he left a letter with instructions for family and friends in case BASE jumping ever claimed his life. In the letter Bryan's final wish was to put an end to extreme poverty across the world.
Make a Difference
We need help making Bryan's final wish of ending extreme poverty a reality. Find out how YOU can help end extreme poverty and SAVE countless lives around the world.
Videos of Bryan
Bryan lived every day of his life with such intensity, passion, drive, and purpose, he impacted millions along the way. Watch some of the daily videos Bryan sent to friends and family as updates on his life.
Sign the Petition
We created a Change.org petition to help spread Bryan's story. Please show your support, sign the petition and spread Bryan's message of ending extreme poverty.

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- September - New Workshop Location, Launch 2017 Script Call.
- August - Premiere 2017 Script Call.
- July - Shorts 2016 Opens, Native Voices Script Call.
- June - Shorts 2016 Auditions.
- May - Seeking Shorts Directors, CityWrights 2016.
- April - Premiere Series Opens, Errors of Comedy Show.
- March - Summer Shorts Script Call, Valencia Selections Announced.
- February - Premiere Cast, Valencia Script Call.
- January - Launch 2016 Opens, Premiere Selection/Auditions.
Native Voices Selections Announced!
November production of plays by local writers.More Info
Launch 2017 Script Call!
We're looking for ten minute scripts for January 2017 production.More Info
Monthly Playwriting Workshop
Our next workshop will be 1pm, Sunday, October 9 at the Fred Stone Theatre on the campus of Rollins College, Chase Ave & E Fairbanks Ave, Winter Park, FL 32789.
PRT on Facebook
Join our Facebook group for information on auditions, performances, playwriting opportunities and script calls, and more.Facebook Group
PRT on YouTube
Visit our YouTube Channel for videos of old productions.Watch Now


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Franklin-Wright Settlements Inc
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Wow. Most reviews are negative regarding the actual support they have received from this agency. Now, Franklin-Wright seems to... more »
Presenting Opportunities Winning Effectual Results (P.O.W.E.R.) Organization
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Power Org empowers youth to conquer math by using real world examples and activities they can relate to. I am amazed each time... more »
Covenant House Michigan
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Covenant House Michigan is the treasurer of our greatest asset--our youth. The staff tirelessly works to help raise our future... more »
Creative Urban Education Inc
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i dont know what this creative urban education is,but it is some sort of scam!!!they turned in something to the state of michigan... more »
Barbara-Rose Collins Community Initiative Inc
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Share your Christmas Eve traditions
Christmas Eve is a time for celebrations and rituals. It's a night of anticipation that brings together special foods, close friends, the comforting observances you've kept alive for generations and the new traditions you've created.
We invite you to share your Christmas Eve plans with us for possible inclusion in a story, whether those plans include caroling or curling up with a favorite holiday movie. »Read Full Article
Madison-formed Garbage to play first Milwaukee show since 2005
Garbage, the Madison-born band behind such '90s alt-rock hits "Push It," "Stupid Girl" and "Only Happy When It Rains," is playing the Rave April 6, its first Milwaukee show since 2005.
Beyonce lives up to hype with fierce Super Bowl halftime set
Has there ever been a 12-minute set as hyped as Beyoncé's Super Bowl halftime show Sunday? The widely publicized press conference, the Destiny's Child reunion rumors, the bold promise of live singing after that lip-synching scandal at Barack Obama's inauguration. Was there any possibility whatsoever it could live up to expectations—especially since the vast majority of Super Bowl halftime shows are bloated, ultimately forgettable diversions?
Danceworks program explores delights of 'Serendipity'
"Serendipity" is high on the list of great words we don't seem to use often enough.
Exploring the word's dictionary definition of "happy accident" or "pleasant surprise" with modern dance, the Danceworks Performance Company and a handful of guest artists built a delightful evening of dance around the word. "Serendipity" opened this weekend in the company's studio theater. »Read Full Article
Next Act's 'Clockmaker' has strong acting, too many gears
We can't turn back the clock. But can we mend what's broken, reconstructing the past's shattered pieces so that we might keep on ticking into the future?
That's the question - or one of them - in Stephen Massicotte's "The Clockmaker," the 100-minute play that Next Act Theatre unveiled over the weekend, under Mary MacDonald Kerr's direction. »Read Full Article


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Works, for the most part
2009 Nissan Versa
Crutchfield Customer Review (What's this?)
Does what it is advertised to do. Instructions are very poor. I was not told I had to remove the faceplate and the tab frame on the stereo unit. I also had to break off tabs to hold the faceplate on the stereo in order to make a good fit. After a little fussing, it is in and works great! Just be aware each install has its quirks!
Pros: Works!
Cons: Poor instructions


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Reputability is the leading consultancy for educating Boards and senior leaders about the importance of behavioural, organisational and reputational risks, and guiding them in how to respond to these issues. Reputability is outstandingly effective in this because of our unique blend of research, experience and expertise.
Our research demonstrates that most big problems are predictable and avoidable, particularly to well-informed outsiders. This is where our insights will bring you valuable foresight.
Through rethinking reputational risk, we have shown that the ultimate drivers of most reputational damage and many corporate failures are behavioural, organisational and board risks. Long-term success depends on leaders who understand and deal with these risks.
The new approach of the Financial Reporting Council (FRC) acknowledges these risks. This approach is valuable to all organisations as it addresses fundamental vulnerabilities that evade conventional risk analysis.
Recent FRC guidance means that the Annual Reports of UK listed companies are expected to disclose and describe Principal Risks arising from behavioural and organisational risks. The FRC now expects companies it regulates to give specific emphasis to behavioural risk, organisational risk and reputational risk.
The FRC also expects boards to consider whether they, board committees and management have the skills knowledge and experience to assess the risks the company faces.
Since behavioural, organisational and reputation risks are not adequately covered by classical risk analysis or board evaluation, we believe that most boards are currently unable to comply with the FRC guidance.
It is common to find that vulnerabilities with the potential to threaten the survival of a firm are well known to people within the firm - whilst the leadership remains in the dark. Internal politics, hierarchies, taboos, culture, incentives and glass ceilings often obscure these risks. This situation is made worse by the inability of people and organisations to see themselves as others can – what psychologists call cognitive biases.
We call this the 'Unknown Knowns' problem.
Our report, 'Deconstructing failure – Insights for boards' confirms that previously unrecognised classes of behavioural and organisational risks both cause crises and tip them into reputational catastrophes. The report goes further, finding patterns and concluding that these potentially lethal risks typically have their origins in the board.
It is especially difficult for boards to uncover these destructive risks because classical risk management hasn't evolved far enough to find them. That is how boards find themselves with a dangerous hole in the risk management systems for which they are ultimately responsible. And it is why the widely promoted 'Three Lines of Defence' risk management model gives boards a dangerous delusion of security.
Board Vulnerability Evaluation is a new tool designed to help boards to see into this foggy area.
We combine confidential peer review with the know-how we have accumulated from extensive research into reputational risk and its behavioural and organisational drivers. We add the experience each of us has gained in senior roles, in diverse fields over many decades, to bring you fresh and compelling insights.
We use two main approaches. First, we provide tailored education for boards and risk professionals so that they gain the skills needed to meet the FRC's expectations.
Second, we help boards to develop an 'informed outsider' perspective which can reveal previously unrecognised risks and opportunities.
Our multi-disciplinary team shares deep and broad know-how which has been accumulated through diverse careers and thought-leading research. Each partner brings to bear a lifetime's experience and a different perspective to consideration of your issues.
Together we can offer clear insights and an attractive and persuasive proposition to all those who are seeking protection from, and mitigation of, reputational risk.
View the biographies of our team to see more:-
Anthony Fitzsimmons
Anthony read engineering at Cambridge, then became a solicitor specialising in international liability and insurance law.
During two decades as a partner in one of the leading legal specialists in the handling of international disasters, he refined strategies to prioritise and reconcile the reputational, humanitarian, commercial, legal and insurance issues arising in crises. He also advised major brands in the wake of severe adverse events.
Following his retirement from the law, Anthony founded Reputability, of which he is Chairman. Anthony is a co-author of 'Roads to Ruin', the Cass Business School report for Airmic.
Derek Atkins
Professor Derek Atkins has 30 years' experience in the insurance industry. Formerly UK Strategy Director for Royal and Sun Alliance, he has co-authored many books on risk analysis, risk management and insurance, notably 'Reputational Risk: A Question of Trust' and the Chartered Insurance Institute textbook on insurance company management. He was a co-author of 'Roads to Ruin'.
He currently teaches risk management, reputational risk, and insurance on the Cass Business School MSc course. Derek is chairman of a City insurance broker, chairman of the Board Risk Committee for Trust Re and a partner at Reputability. He was also a member of two UK government working groups on risk related issues, and was awarded the Exceptional Service Medal of the Chartered Insurance Institute.
Mike Bell
After graduating as an aeronautical engineer, Mike flew fast jets for the RAF and went on to become the UK's Chief Test Pilot.
As Group Safety Director and Executive Board Member of the Civil Aviation Authority, he was responsible for all safety regulation in the UK aviation industry and built a global reputation for aviation and safety assessment. He also worked in the design of safety cultures and implementing design changes with aircraft manufacturers worldwide.
A Fellow of the Royal Aeronautical Society, Mike was awarded a CBE for services to UK civil aviation.
Jane Howard
After graduating in economics from the LSE, Jane joined a team, which sold into Saatchi and Saatchi. She went on to head the Leedex PR Group, joining the board of its parent company, Birkdale plc.
One of only a few Chartered Communicators, Jane has 30 years' international and award-winning experience. Republic, the corporate communications business she founded was sold to Engine, the UK's leading independent marketing services consultancy.
Jane is a partner at Reputability, a fellow of the Chartered Institute for Public Relations, a founding Fellow of the Public Relations Consultancies Association, a trustee of Fair Trials International and a Quantum NED.
Vanessa Sharp
Vanessa started her professional life as a solicitor in a city firm specialising in handling multinational commercial and insurance issues.
She joined KPMG LLP as an in house lawyer and was rapidly promoted to General Counsel, a role she performed for 17 years. She advised on a wide range of legal, risk and reputational management issues, and as board secretary advised on, and managed board structures across UK and Europe. Having left KPMG, she is a charity trustee and a Council member and Chair of the Finance and Resources Committee at Goldsmiths College, University of London. In all of these positions she has led or played a role in governance and board effectiveness reviews.
John Tyce
After leaving Manchester University where he was a Research Fellow in Monetary Economics, John trained as an equity analyst at Philips and Drew, which later became UBS.
He has dedicated most of his working life as an investment analyst covering banks and financial companies. He was a partner at Laing and Cruickshank and was appointed as Head of European Research at Nomura, before moving on to Société Générale as senior bank analyst in London.
Today John is a partner at Reputability and Chairman of Blue Planet European Trust – a quoted Scottish Investment trust.
Peter Ayton
A Professor of Psychology at City University, Peter's research centres on the psychological theories of judgement and discusses how people make decisions and judgements. His published books include 'Subjective Probability' and 'Judgemental Forecasting'.
A member of the European Association for Decision Making, Peter has been a visiting Professor at the Anderson School of Business UCLA, Princeton and Carnegie-Mellon universities in the USA, as well as the Max Planck Institute in Berlin.
Richard Murray
Educated at Harvard, Rick went on to become a Director and Executive Committee Member at the IMD Business School in Lausanne.
Later he was first Chief Claims Strategist at Swiss Reinsurance Company, one of the world's leading reinsurers, General Counsel and COO of Touche Ross, and Global Director of legal and regulatory affairs for Deloittes.
Richard is currently Chairman of the Board of the Center for Capital Markets at the US Chamber of Commerce, a member of the Board of the Centre for the Study of Financial Innovation and Director of Liability Research for the Geneva Association.
Our services are designed to help boards of UK listed companies to meet the new Financial Reporting Council requirements and to help all leaders to promote the long term success of their organisation.
Introduction to behavioural, organisational and reputational risk
This short seminar and discussion draws on topical case studies and the latest research to reveal the ways in which behavioural and organisational risks can inflict lethal reputational damage.
Behavioural, organisational and reputational risk workshop
This module combines the introductory seminar with an in-depth case study. Working in small teams, participants deconstruct and consider the root causes of a real reputational crisis, and gain deeper insights into why corporate disasters happen. It fits comfortably within a morning.
Governance, Resilience and Reputational Risk Analysis and Evaluation
Our evaluations are designed to help boards and leaders to recognise and assess strengths and vulnerabilities from behavioural and organisational risks, including board-level risks, before evaluating and improving resilience and governance. Reputational risk analysis is an integral part of our evaluations.
The key to success is our minimally intrusive process, which helps boards and leaders to see and appreciate what intelligent, experienced outsiders would conclude if only they knew what insiders know.
"Quite superb. You packed a great deal into the short period available."
''It exceeded my expectations and we now have something to build upon. As I said, the timing could not have been better''.
''Let me thank you cordially for your excellent workshop [for Chief Risk Officers] on organisational and behavioural risk management. We had planned your contribution to be the climax of the event, and so it was.''
''Many thanks again for your presentation.......we got very positive feedback from the Committee members, who found your presentation highly interesting, relevant and well presented.''
''I thought it was a (well moderated!) fascinating discussion and it was great to get so many different perspectives. ..This topic is obviously relevant to a large number of boards and I suspect we're at the beginning of a significant change in the way they address their duties''.
''Your presentations were uniformly well received and highly valued. We are most grateful to you all for making this event such an unqualified success......The feedback from delegates was uniformly positive. ''
Martin Wheatley's FCA exit raises questions
Anthony Hilton
London Evening Standard July 2015
The 'devil's advocate' directors who could wake up boardrooms
Anthony Hilton
London Evening Standard July 2015
Give the Devil a Voice in the Boardroom
Stefan Stern
Financial Times July 2015
Learning from Mistakes
John Kay
Financial Times April 2015
Time for a clean boardroom sweep?
Stefan Stern
Financial Times March 2015
Learning right lessons from FCA's own goal
Anthony Hilton
London Evening Standard December 2014
With great power comes great responsibility
Stefan Stern
Financial Times November 2014
"It is the board's job to monitor behavioural risk"
Mark Goyder
Financial Times November 2014
Too Big to Jail
Chris Blackhurst
Evening Standard October 2014
Boards will Struggle to Manage Hidden CEO Risks
Andrew Hill
Financial Times October 2014
Boards need Trust
Stefan Stern
Financial Times May 2014
Big bonuses bring risks
Anthony Hilton
Evening Standard April 2014
Getting real on reputation protection
Anthony Hilton
Evening Standard January 2014
PR is not always the best response
Anthony Hilton
PR Week 26 July 2013
Reputation at risk
Ace European risk briefing 2013 July 2013
There's no strength in ignoring flaws
Anthony Hilton
London Evening Standard 17 July 2013
The risk of boards
Seb Morton-Clark
Financial Times video June 2013
A new tool to sniff out boardroom risk
Anthony Hilton
London Evening Standard June 2013
Deconstructing Failure - Insights for boards
Better Boards by Peter Whitehead
Financial Times June 2013
Embattled bank's troubles far from over
Anthony Hilton
London Evening Standard July 2012
Common Core of Corporate Culture Risks
Evan Davis
BBC Today Programme July 2011
Rethinking Reputational Risk:
How to Manage the Risks that can Ruin Your Business, Your Reputation and You
Anthony Fitzsimmons and Derek Atkins 3 October 2016
Reputational Risk Revisited
Governance September 2015
Whitehall's neglect of people risks is wasting public money
Civil Service World April 2015
- Reputability Submissions to OECD Consultation on Corporate Governance January 2015
- Reputability Submissions to Basel Committee Consultation on Bank Governance January 2015
Behavioural and Organisational Risk: The New Frontier for Boards
EY Independent Intelligence November 2014
Risk for Chairmen, Chief Executives and Boards
International Corporate Governance October 2014
Behavioural Risk in the UK Government Service
Civil Service World October 2014
Behavioural and reputational risk for insurers
Journal of the Insurance Institute of London September 2013
Deconstructing failure - Insights for boards
Download the report by Reputability June 2013
Roads to Ruin, the Cass Business School report for Airmic
Download the Analysis July 2011
Roads to Ruin
Full Report by the Cass Business School for Airmic July 2011
Catastrophe risks - the Boardroom perspective
Governance December 2011
'Soft' risks - the risk managers' perspective
Geneva Association Risk Newsletter November 2011
Reputational Risk for Chairmen and Company Secretaries
ICSA International June 2010
- Policy and Governance for Risks to Reputation November 2009
Reputational risk - A question of trust
Professor Derek Atkins, Ian Bates and Lynn Drennan 2006
Reputability LLP are pioneers and leaders in the fields of behavioural, organisational and reputational risk. We help business leaders to find the widespread but hidden behavioural and organisational risks that regularly cause reputational disasters. Our process also helps them to find unrecognised strengths.
Here are our thoughts on some recent stories which have captured our attention. We are starting to include views from guest bloggers. We are always interested to know what you think too.
ContactPlease get in touch if there's anything you'd like to discuss – in confidence, of course.
You can call us on +44 20 3755 3309 or email us at email@example.com
Reputability LLP
Amadeus House, Floral Street, Covent Garden, London WC2E 9DP
Rethinking reputational risk:03. 10. 2016"Rethinking Reputational Risk: How to Manage the Risks that can Ruin Your Business, Your Reputation and You", the new book by Anthony Fitzsimmons and Professor Derek Atkins, went on pre-publication sale today.
This book provides a new perspective on the true nature of reputational risk and damage to organizations and traces its root causes in individual and collective human behaviour at all levels, right up to board level.
Financial Times Non-executive Director Diploma01. 10. 2016Reputability has been appointed to revise and extend the course materials on Risk Management and Internal Control for the Financial Times Non-executive Director Diploma course.
A new book on reputation risk14. 03. 2016Anthony Fitzsimmons and Derek Atkins have been commissioned to write a new book on reputation risk by Kogan Page. The first draft is complete and presents a radical rethink of reputational risk and its root causes.
We expect the book to be published in late 2016 or early 2017.Read more...
© Reputability LLP 2013
Reputability LLP is a limited liability partnership registered in England.
Registration Number: OC371538.
Registered Office: 14 Westmead, London SW15 5BQ.
Reputability Partners LLP is registered for VAT in the United Kingdom.
VAT Registration Number GB 127 7787 71.
We are registered on the UK Data Protection Register, No. Z3134753
We respect the privacy of every individual that enters our website.
All information that you provide to us will be kept private. We will not pass information about you to anyone outside our organisation.
You may from time to time receive emails or other mailings from us. These will typically contain news or other publications from us. If you no longer wish to receive these, please inform us by email or post.


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Global Lift Rotational Series 375 ADA Approved Swimming Pool Lifts ADA compliant lifts from Global Lift Corp. are built to the uppermost levels of industry standards and loaded with features and a great warranty. The Internal seat leveling guarantees that the seat remains flat throughout the lowering and lifting of the user. The emergency return system is designed to return the user to the up position and out of the water in the event of control malfunction. The S- Global Lift Rotational Series 375 accommodates weights up to 350 pounds. These swimming pool safety lifts will satisfy your ADA code compliance and your guest's needs for years to come! The new Anti-Pinch Linkage System (Patent Pending) holds the seat in level position with an external linkage system that virtually eliminates pinch points. Portable Capability System (Patent Pending)– The commercial series lifts can be purchased as a stationary lift and can be made into a fully portable unit with the addition o View more
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The kids and I were driving home from QT (Yes, Todd, i returned the movie!) and we had the following discussion: Rollie: "Mom, what are you going to do when you're dead?" Me: "Um. . what?" Rollie: "Like, are you going to go under a tombstone in the ground. Or are you going to let your family burn your skin,… Read more →
Category: Humor
Funny Notes from The Boy
This gem somehow got lost in the leaning tower of procrastination on my desk. My transcription: Note to elf. From: Rollie Elves are good at: Being funny and messy, good with forts, hard to find at morning, good at being awesome, and cool, and small. Note to Rollie: You are good. I lik cookey. It cracks me up that he… Read more →
Yeah, I Wore Pink Tulle. So what?
"Mama?" Tiller said. "Yes, baby?" I muttered while cooking dinner. Tiller: "Mama, will you be a fairy with me?" Me: "huh?" Tiller: "Will you be a fairy with me?" Me: "I don't think so, baby. I'm not pretty enough to be a fairy." Todd: "You know, we just did a tooth fairy spot. I can get you a fairy costume… Read more →
Something that Scares Me
Ferris Wheels. I actually cursed that Ferris guy for inventing the damn things while riding one last night. They really, really scare me. Rollie was determined to ride the double ferris wheel in the background of the picture below, and thank god in heaven, Todd took one for the team and rode with him. I would have had the big… Read more →
A Mind of Their Own
"MOOOOOOM!!!!!" I heard from the basement. Rollie was clomping up the stairs, with his pants down around his ankles. Me: "Uh, yes?" R: "Mom, I need to change my underwear and pants!" Me: "Oh, no. What happened?" R: "Well, I was trying to aim for the toilet, but when I peed, it went straight down in my pants and underwear… Read more →
Crazy Shirts Alive and Well
"Crazy Shirts are Alive and Well," says a distracted Tech Writer Attempting to work on projects at coffee shop on Sunday afternoon. There are a plethora of Crazy Shirts available for my viewing pleasure today at the coffee shop. For the uninitiated, Crazy shirts are any bold and colorful patterned button down shirts worn by aging men trying to look… Read more →
How to Answer a Telephone, & Other Lost Arts
Todd and I both have iPhones. Before that, we both had plain old-fashioned cell phones. When we moved from our house in East Atlanta to our current home, we didn't even bother plugging in a phone. We have a land line, but we just don't use it. I have forgotten what it was like to have one. Well, a few… Read more →
Ham Lincoln
Tiller: let's play the guessing game . You go first. Me: okay. What are the rules? Tiller: you can say a person. Or an animal. But not a food. Me: Okay. Tiller: but it can be a person with food in their name. Like George . . . I mean, abraHAM Lincoln. Read more →
Fairies in the Manger
The other night, Todd and Rollie left for Boy Scouts and Tiller and I were still at the dinner table talking. She was telling me how she had her feelings hurt because Vivian and Anna both got to be Mary when they played manger, and she did not get a turn. I was amazed that she really knew about the… Read more →
Merry Christmas. Hope You Don't Die.
This is so sweet and earnest and honest, in a heartbreaking way, that I wanted to document it here in on Dogwood Girl, even though Todd already posted it on Facebook. Todd: At Cub Scouts last night, the boys made Xmas cards to send to troops overseas…I look away for a couple minutes, and R has written "Merry Christmas, I… Read more →


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Licensed practical nurses work with doctors and other nurses to help with patient care. Licensed practical nurses (LPNs) may also be called licensed vocational nurses (LVNs). These nurses may work in a variety of settings, and their duties may vary from state to state.Read More...
Licensed practical nurses may work in hospitals or long-term nursing care. There are also licensed practical nurses who work part time in a client's household; these nurses travel daily and may have more than one client. Many shifts involve overnight or weekend hours, since many patients may need 24-hour care.
Licensed practical or vocational nurses are responsible for many different tasks depending on the location in which they work. They may measure a patient's vital signs and document any abnormal results. They often collect fluid samples and test them if necessary. They may administer medications through an IV or in pill form. If a patient has a wound, licensed practical nurses clean and dress the wound. They also assist patients with their personal hygiene, either helping them into a bath or shower or providing scrub baths to immobile patients.
In every setting, licensed practical nurses maintain records for patients, charting everything they've done for a patient during any particular shift. They may observe and note any adverse reactions to medication. They may also be advised to answer questions for families and advise them on how they may take care of their loved ones.
Licensed practical and vocational nurses must be licensed. The training programs for this position typically are one year long and available at community and vocational colleges. Potential LPNs must also pass the National Council Licensure Examination-Practical Nurse. Once completed, they will be licensed as an LPN/LVN.
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Though some Licensed Practical or Licensed Vocational Nurses move into positions like MDS Coordinator (where the average salary is $56K), this progression is not the norm. Becoming a Licensed Practical Nurse is, more often than not, the most common role that Licensed Practical or Licensed Vocational Nurses move into when they're ready for the next step in their career. A median salary for a Licensed Practical Nurse is $37K. Another frequent advance is for Licensed Practical or Licensed Vocational Nurses to assume a Registered Nurse role; in this role, workers often take home $55K.
Many Licensed Practical or Licensed Vocational Nurses can be found at DaVita Inc., Maxim Healthcare Services, Maxim, Kaiser Permanente, and Kindred Hospital, firms that are at the top of the field. Heading up the field in terms of compensation, Kindred Hospital offers the most; Licensed Practical or Licensed Vocational Nurses earn $51K on average there.
Survey participants wield an impressively varied skill set on the job. Most notably, skills in Wound Care, Hospice, Dialysis, and Telemetry are correlated to pay that is above average, with boosts between 3 percent and 12 percent. At the other end of the pay range are skills like Family Practice. Those familiar with Elder Care also tend to know Acute Care.
Median of all compensation (including tips, bonus, and overtime) by years of experience.
For Licensed Practical or Licensed Vocational Nurses, more experience in the field does not usually mean bigger paychecks. Workers in their first five years can expect to earn $39K, but people who have been around for five to 10 years earn a noticeably bigger sum of $42K. Licensed Practical or Licensed Vocational Nurses who work for 10 to 20 years in their occupation tend to earn about $42K. After two decades in the workforce, the average Licensed Practical or Licensed Vocational Nurse generally earns more than ever; median pay for this group is estimated at $44K.
For those looking to make money, Licensed Practical or Licensed Vocational Nurses in Sacramento enjoy an exceptional pay rate, 20 percent above the national average. Licensed Practical or Licensed Vocational Nurses can also look forward to large paychecks in cities like Seattle (+15 percent), Las Vegas (+14 percent), Dallas (+12 percent), and Los Angeles (+10 percent). In Killeen, salaries are 5 percent below the national average and represent the lowest-paying market.
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Make yourself more marketable for jobs in poor economyUPDATED 5:04 AM EDT May 08, 2012
The nation's unemployment rate fell to 8.1 percent, but the drop wasn't from job creation, according to April job numbers released by the U.S. Department of Labor. Officials cite more people giving up looking for work. Career expert John Owen, regional vice president of Robert Half International, explains how to make yourself more marketable in this economy.
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Peanut Brittle
|Raw peanuts
|1 1⁄2 Cup (24 tbs)
|1 Cup (16 tbs)
|Light corn syrup
|1⁄2 Cup (8 tbs)
|1⁄4 Teaspoon
|1 Tablespoon
|Baking soda
|1 Teaspoon
|Vanilla extract
|1 Teaspoon
Combine peanuts, sugar, corn syrup, and salt in a Dutch oven.
Cook over low heat, stirring gently, until sugar dissolves.
Cover and cook over medium heat 2 to 3 minutes to wash down sugar crystals from sides of pan.
Uncover and cook, stirring occasionally, to hard crack stage (300°).
Stir in butter, soda, and vanilla.
Pour into a buttered 15 x 10 x 1 inch jellyroll pan, spreading thinly.
Let cool.
Break into pieces.
Recipe Summary
Rate It
Nutrition Rank
Nutrition Facts
Serving size: Complete recipe
Calories 2620 Calories from Fat 1013
% Daily Value*
Total Fat 120 g185.1%
Saturated Fat 22.7 g113.4%
Trans Fat 0 g
Cholesterol 32.3 mg10.8%
Sodium 1999.8 mg83.3%
Total Carbohydrates 367 g122.3%
Dietary Fiber 18.6 g74.5%
Sugars 254.8 g
Protein 57 g113.3%
Vitamin A 7.5% Vitamin C
Calcium 23% Iron 55.9%
*Based on a 2000 Calorie diet


text:
Masked Jackal guitar pro by Coroner, added: January 1st, 2001
Profile History
or get $10 off Welcome BonusGet welcome bonus
Very good!
Another job well done Krankster...you are like the Coroner guru...
Thanks SOOO much for sharing.
One suggestion...on riff #2 (main riff #2, not the bridge after #1) I hear him drop an octave on second E* (beginning bar # 26):
Normally wouldn't bother with something so trivial, but the entire score was so otherwise PERFECT to my ears, had to go for excellence. Just my opinion-could be wrong. Maybe to change gtr 2 only and hear both octaves would be perfect.
PLEASE keep these coming. Really masterful. Thanks again.


text:
Mutt & Jeff by Bud Fisher
- June 06, 2013
- From Beginning
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Comments (12) (Please sign in to comment)
Old joke:
Two boys are walking along and they encounter a growling dog. One boy says, "Look, his tail's wagging, that means he's friendly." The other boy says, "But he's growling and showing his teeth — which end should we believe?"
A shaggy dog story?
A cat-and-nine-tails for the brat?
- is it too early for the hair of the dog? LOL
Where oh where is our little #3 to day?
He will turn round and bite you ,then it will be the cats fault I suppose, like when kids torment dogs & get bitten its al the dogs fault someone needs to control the kid. we would not have as many nasty dogs around if it wernt for the owners..
Krazy Kat's costar, Ignatz, might chunk a brick at your head if you don't let go.
Lucky for you that's not Cybil from the Lio strip, Junior. SHE"D whip around with a chainsaw
Duhhhhh, Jeff. The kid always has to be right so don't argue with him.
LOL xxx
Long time no see, Navy Man!
Didn't kids once have a game where they'd tickle the nose of a dog with his own (or others) tail until he bit it?
(Game was over when dog got wise and bit the hand that was wagging the tail!)
main reason to not pull a cat's (or dog's) tail: it is a part of their spine & you can cause serious internal & possible fatal damage!
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- "Minas Appointed to Top Ministry Job in Cyprus"
- —Daily Prophet headline in 1995[src]
Minas (fl. 1995) was a witch or wizard who, in 1995, was reported in the Daily Prophet to have been given a "top Ministry job" in Cyprus.[1]
- Harry Potter and the Order of the Phoenix (film) (Mentioned only)
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Notes and references
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Dinosaur Provincial Park History
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History & Anthropology >> Indic / Vedic
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Deities & Heros >> Chthulu
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- I - Predynastic - Early Dynastic Period. The temples were in essence the *Home of the God* and thus a place where only Pharaoh as the Son of God and those he appointed as his deputies, could meet with the god. This goes all the way back to Archaic and...
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- History of the Egyptian Religion, part II: The Old Kingdom
- II - The Old Kingdom ca 2686-2181 BC During the Old Kingdom the Egyptian society moved from tribal communities to a fully developed theocratic system, where the power of the king was absolute. The great pyramids of Dynasty 4 was made possible by technological...
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text: MainStoriesSpecial Olympics Is My Life! Special Olympics Is My Life! Michael Motter | May 15, 2013 | North America: Texas I Started Competing in Special Olympics When I Was a Kid Because My Mom Got me Involved And I Kept Doing It and It Has Changed My Life and It Has Been A Great Thing For Me. And the First Sport I Did When I Started Doing It was Softball, and I Also Did Basketball and Track before I Did Golf. And I Also Got Chosen for The 2014 Special Olympics USA National Games in Princeton New Jersey In Track and Field Alongside My Two Teammates from My Special Olympics Team The Katy Wolf Pack, and I Might Get Selected To Go to The 2015 World Summer Games in Los Angles Where My Mom Is From. It Might Be A Good Thing For Me To Do. And I Compete In Regional. Area And State Competion Year Round and I Won A Gold Medal In Every Sport I Do. And I competed At The Recent National Games In Lincoln Nebraska In 2010. I Can't Wait for My Next National Games In 2014. And My Mom and I Did Capital Hill Day In Washington DC For the Texas Delegation. About Me:I'm The Son Of American Parents, I Have two Siblings a Sister and a Brother and They"re Both Older than Me And I'mThe Youngest Of the Family and I 'm Also in College at Houston Community College. Read More Stories My friend Tony Alaina TorkelsonWhen I was a kid I used the r-word frequently even picking on kids that were different....that is until I met Tony.Traditional Leaders in Malawi Support Family Health ForumsRomi ReineckePablo Ulises Lázaro: Successes of a mother and her sonLeilani GonzalezHe no longer fears dentistsGenevieve JiangVisiting a dental clinic made Bhavya Jain very anxious. Special Olympics helped.From shy and isolated, to confident leaderGenevieve JiangBefore Punsara Dissanayake joined Special Olympics Serendib, she was reluctant to attend school as she feared being bullied.Medical help gave her winning edgeGenevieve JiangJohn Lucas: From Introvert to Spokesman in BrazilCaroline ChevatA Special Olympics athlete took part in the signing of an agreement between Special Olympics and the International Volleyball Federation.Special Olympics Saved my Life!Marquis Antwan GarnerJuan Atilio: Overcoming prejudiceLeilani GonzalezMaking a Difference in India and NepalDavid HircockThank You, Special Olympics LouisianaJude and Paula BernardDo You Have A Story to Share?Share Your Story More Stories


text:
See previous image for the stunningly attractive male. It clearly is the male's breeding plumage that gives the species its common name: Superb Blue Wren.
Modest but beautiful. Great image, Ian.
Your comment is spot on and your affirmation appreciated. I considered not uploading the female for the "modest" factor suggested no one would be particularly interested in going past the thumbnail. But then there are other reasons for uploading, so I put up the pair. So thanks, Inessa.
When one sees the colourful male and then observes his jaunty behaviour, he becomes one of our bushland favourites in SE Australia. But usually that is where the appeal stops. However behaviourally they are interesting.
These wrens live in a family group, each group includes a number of adult males. That isn't always immediately obvious for all males under 4 years moult to the brown feathers when it is not breeding season. After 4 years, the males stay coloured all year. The brown male can be distinguished from the brown female for the male has a black bill and does not have the orange near the eye, that the female has.
By living in with groups of males, the population can increase quickly when the season is right, for the males will take over the care of the fledglings when they hatch, and the female is free to mate with another male and nest again. The groups have almost double the fertility yield (ratio of independent birds raised per female) of those that are faithfully paired.
Many thanks for your always interesting comments, Ian. It is great to learn some story behind the picture.
Greetings, Inessa
Splendid picture, Ian. It's so dificult to shoot little birds that are moving quickly all around... I love them but never suceeded my shots. technical problem, camara not efficient. do you have a huge zoom? The picture is perfect. Sharp focus on the small bird, blurred green background . For me, this is the best of this serie Cheers Annick
Dear Annick,
First, thanks for picking up on this humble wren hen, and appreciating the success of my image. I am sure your feel an affinity with small creatures, too.
Second, I use a 70-300mm lens, and then fix focus in this case on the fence, switch to manual and just wait till the bird returns to the spot or near the spot. Sometimes if the bird is going to be flighty I may use rapid shoot mode, especially in daylight, so that I can select the one which is just right from say 5 or 6 images. In this case I think I ended up with 4 that were very satisfactory, but I liked this one for she was returning my look and the light glint holds one's attention on her eye.
Third: I don't know enough about my camera for it should be or can record the photo details but for some reason they are not appearing on Panoramio. Marilyn Whiteley has asked me about this. One day I'll realize why and then we will all be able to see what focal length was used, etc. I wasn't very far away, only about 3M, I think so it probably wasn't 300mm.
And Annick and Inessa, Fourth: A serious ponder: How do we photographers create a new language that refuses to use the violent language of hunting and destruction when we are intent on the opposite? How do we find words other than "shooting", "shot", "capture" even "take"? I noticed that you preferred to italicize shoot, when referring to this little bird for its hard to simply say "shoot", isn't it?. Are there different words or concepts used in French or German or Greek? I've been trying to use "image", "photograph", "see", "receive", "create". But It will only change if we create a convention, and awareness, and a pattern of practice. Any thoughts or possibilities that you see, dear sisters Annick and Inessa?
Hi Ian, your fourth point is of major interest! Words ... how to say things or ideas. it's so important. It's true, I italicized the word because I figured a gun pointed on this tiny bird... so bad! i hate hunting. In a former version, I used "catch" but it fortunately deletd.. Then, which word? What we call "cliché" in french is called snapshot in english... well . Image, picture, pic, view, and then? what about the verb to name the action... Click, click , I don't know... even to frame means to shoot in slung !!! And same for to get.... gasp ! he got me ! not good... in French we take photos ( prendre une photo) or we photography (photographier) something. We don't say "shoot" . there is no violence in our langage (but lots of french people are unfortunately hunting and fishing addicts). Forum is open ! Cheers Annick
I appreciate your passion Evangelos. I will at every opportunity, for I am a passionate person too. As the Greek language has created so much of our other languages, I wonder what the photography verb concepts are in Greek? Surely not take or shoot or other aggressive ideas?
Dear Annick,
Can we "create" Photos in French? Can we use "image" as a verb? I like the notion of imagination that is involved in seeing and designing our images.
A little bit more left-field is the idea of "windowing" ..... or "realising"????????????
Are you adept at or interested in taking this conversation into a FORUM?
Hi Ian, I'm a words-addict and forum member. If you strart the subject, I'll join it; about verbs, we are poor in french. we don't "create" or "image" either. We can "réaliser", which mean make real an "image" or "cliché"... or "prendre une photo" (take a photo in meaning of pich up)... see you on forum? :-) Annick
Lovely and interesting pictures of the Australian wren, a contrast to the British Wren, where the male and female are similar. They are not social during the day but can roost together at night; as many as 46 have been counted in a single nest box.
I love to stop in woodland and listen to the Jenny Wren. Although it is one of the smallest British birds its song is quite loud, and although I have not seen them sing, it is said that their whole body quivers with the effort. To listen to the song here is the BBC site.
Regards, Peter
Thanks for the information and link, Peter.
We have a number of wren species here. Do you want me to identify the different ones for you? I'm happy to.
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Photo taken in Dubbo NSW 2830, Australia


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(The Root) — Inspired by the billions allotted to renewable energy in President Obama's 2008 stimulus package, Donnel Baird, 31, figured the emerging industry is where he ought to be. But instead of angling for a government handout, the Columbia University business school student founded his own company. The result is BlocPower, a venture he's soft-launching by December that helps small businesses, churches, charter schools and various institutions in urban areas get outfitted with solar panels and other energy-efficient products.
Morehouse College buddies Markese Bryant, 28, and John Jordan, 23, are also aiming to kick off their own environmentally conscious project. With Fight for Light, the partners plan to create a three-year fellowship program for college students who will work to increase their environmental literacy, receive practical training and be encouraged to implement their own green initiatives.
Then there's Amaha Kassa, 39, a first-generation Ethiopian immigrant, who has established the Africa Immigrant Diaspora Alliance (AIDA). His nonprofit is poised to provide a legal advice and other community building services to African immigrant populations concentrated in cities such as New York.
All four are examples of black social entrepreneurs, an emerging breed of civic-minded business leader who have created companies and organizations that focus on a triple bottom line — people, planet and profit. Echoing Green, a global nonprofit that provides seed money and other resources to entrepreneurs advocating for social change, selected them as fellows in its Black Male Achievement project. In conjunction with the Open Society Foundation, the fellowship winners (a total of nine entrepreneurs) get a $70,000 stipend and other professional perks to help them get their ideas off the ground.
"They're not waiting for the market to catch up to them; they're creating their own market," Decker Ngonang, a senior associate at Echoing Green, told The Root. "They've noticed a gap or opportunities to create impact … they created something and now they're taking it to marketplace to say, 'This works' — not 'You should give me money,' but 'You should invest in this idea.' "
Baird's idea also came from recognizing the challenges that many face in middle- and working-class areas. Having grown up in the Bedford-Stuyvesant section of Brooklyn, N.Y., and Atlanta, Baird said he understood how vital it is for residents to have access to viable employment. For that reason, BlocPower is also aiming to create jobs for locals to install solar panels and retrofit buildings with green products such as LED lightbulbs, smart thermostats and wall insulation. Such improvements, Baird said, can cut 15 to 45 percent off an annual energy bill.
In its pilot program stage, BlocPower is set to do light retrofits on 12 small businesses in Harlem in December. A formal launch is scheduled for February 2013 in Brooklyn and D.C. He hopes to employ up to 35 workers next year.
"We have to move away from looking at nonprofits or the government as a solution to the sorts of problems that we face as a community and really engage the private sector," he told The Root. "It's paramount we engage the private sector around jobs, creating our own companies or partnering with existing majority companies that have a socially responsible component."
So far Baird seems to have solid backing, too. In addition to Echoing Green's help, being an entrepreneur in residence at Jalia Ventures, a venture capital fund that invests in minority-owned business that have a social impact, has been invaluable, he said. He's also working with Sungevity, a major solar panel installation company that assists in financing the panels to customers.


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The regular season is now over, and the Oregon Ducks are heading to their third straight BCS bowl game—and their second Rose Bowl—in three years.
While the offense gets a ton of credit for Oregon's success, the defense has found ways to come up big in some huge spots and are better than a lot of people give them credit for.
After another good year for the defense, here is a look at some of the defensive standouts and their regular-season grades for 2011.


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Collaboration with Jasper Wong, Jeff Gress, and Erin Guido for Cleveland's INTER|URBAN project. Photo credit: Brandon Shigeta
Learn something. Study this collaboration by buttcoffin and Joe Lanzilotta. Pick it up here.
Apparel illustration for Forest City Portage, a Cleveland-based custom bag company.
23 Skidoo and Joe Lanzilotta collaborated to tell a story through a textile. Inspiration for this print came from the history of fur trade in Cleveland's camp settlements. The adventure begins on the Cuyahoga River where 'X' marks the spot!
RUMPS: Celebrate the posterior. Prints and books available in the Store.
In YOUR SHOW, the gallery setting is transformed from a passive viewer experience to an immersive viewer-as-artist experiment where the public is invited to contribute original and collaborative works in real time. This group show breaks down artist/non-artist barriers as participants get to creatively improvise with a series of mediums and prompts.
YOUR SHOW was a collaboration between BUCKBUCK studio, Design Legs, and Free Period Press.


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Well, that didn't take long. ...
According to a report from the Eugene (Ore.) Register-Guard, police said a 33-year-old Oregon man was arrested for allegedly robbing a bank -- less than an hour after being released from jail on Thursday. The man is expected to face a federal bank robbery charge, according to the Register-Guard report.
Read the Register-Guard report HERE.
What are your thoughts CLICK HERE to leave us a "QUESTION OF THE DAY" comment.
© Copyright 2016, A Quincy Media broadcasting station. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Psychoanalyst Michael Maccoby
"Narcissists can be inspiring. Whether they are creative or destructive depends on their philosophy."
Read the main article on faith and identity in Ukraine.
Behind the historic meeting between Pope Francis and Patriarch Kirill in February were years of complex negotiation between the Vatican and the Russian Orthodox Church, especially on the situation in Ukraine.
CBTS president Molly T. Marshall
"We had to be willing to do a clear-eyed assessment of our financial situation—and to risk our old identity for the sake of a renewed mission."
Paul Knitter, Buddhist Christian
"Buddhism has not just provided the flashlight with which I have discovered what was in the Christian basement. It has also added to that basement."
Author Yossi Klein Halevi
"In the Middle East peace process, the peace was being negotiated by secular elites who lacked the religious language of so many of their people."
Four decades ago, the YMCA in Jerusalem opened a "peace preschool" that brought Arab and Jewish children into shared classrooms. Then as now, schools in Israel were strictly divided by language (Arabic or Hebrew) and hence also by religion—Christians and Muslims in Arabic schools, Jews in Hebrew schools.
The BDS (boycott, divestment, sanctions) movement against Israel, which has gained some traction in mainline denominations, raises hotly contested questions. (See, for example, my article "Boycotting the boycott" and the responses to it.)
A particularly salient one: Do ordinary Palestinians support BDS? Do Palestinians in the occupied territory want more separation from Israel or more integration with it?
The problem with the BDS movement
The BDS movement posits that a just future for the Palestinians lies first of all in disengagement from and resistance to Israel. But does it?
With Christians in Iraq and Syria on the brink of destruction, Walter Russell Mead wonders if Christians in the West will do more than wring their hands.
He says we can either help Christians in the Middle East flee persecution and start new lives elsewhere, or we can help them "fort up"—create "redoubts," or enclaves that they can defend by force.
Biographer Charles Marsh
"Bonhoeffer came to embody some of the contradictions modernity imposed on the faith. I could happily spend the rest of my life sorting through this."
James Wall is listed on the Christian Century masthead as a "contributing editor" along with other former editors and staff members. He has not been involved in editing the magazine since his retirement in 1998.
Several high-profile editors resigned at the New Republic magazine last week after owner Chris Hughes announced he was moving the magazine toward becoming a "vertically integrated digital media company."
For many observers, the rebellion signaled not only the demise of TNR but the inevitable eclipse of thoughtful journalism at the hands of media gurus like Hughes, who purportedly value only the number of links clicked and webpages viewed.
Writer Francis Spufford
"There needs to be a reason before the reasons began why you'd engage with an argument about God at all. This, I think, is where it makes sense to speak in the language of experience, of emotion."
Season 3
Interpretation: Resources for the Use of Scripture in the Church
An Adventure
Medicine and What Matters in the End
Twenty Stories of the Port William Membership
To give & to receive
To give
Religious freedom expert Brent Walker
"Many religious liberty accommodations will have absolutely no effect on the rights of third parties. Those are easier cases."
The Irish film Calvary, directed by John Michael McDonagh, is one of the most satisfying portrayals of Christianity and Christian ministry I've seen in a long time.
Representations of Christian life that are sympathetic, plausible, and interesting are rare enough in popular media to deserve notice. That's one reason to be a fan of the British series Call the Midwife, now in its third season on public television.
"When you give alms," says Jesus in the Sermon on the Mount, "do not let your left hand know what your right hand is doing, so that your alms may be in secret; and your Father who sees in secret will reward you." The poet W. H. Auden seems to have taken Jesus' instructions to heart.
In a booklet titled Zionism Unsettled, a group of Presbyterians has issued a blanket denunciation of Zionism, terming the Jewish quest for a homeland in the ancient land of Israel inherently racist, exclusionary, and devastating for non-Jewish inhabitants.
Jewish and Christian groups have rightly criticized the booklet for its sledgehammer one-sided approach, theologically and politically.
Not many people would think of being pen pals with a terrorist. But Rory Green, a Christian who lives in Nottingham, England, did. After reading about Khalid Sheikh Mohammed, whom the U.S. government believes masterminded the 9/11 attacks, Green wrote him a letter.
The Century's work relies primarily on subscriptions and donations. Thank you for supporting nonprofit journalism.
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Generations: Buying super property
- From: National Features
- November 19, 2012
HAS superannuation become a good vehicle for investing in residential real estate?
Gen Ys - Justine Davies
SUPER is a fantastic vehicle to invest in anything - provided that the investment can be justified under the sole purpose test that each trustee of a regulated super fund must abide by.
You see, in order for the Government to provide the type of fantastic tax benefits that are associated with super (15 per cent contributions tax rather than the average 32.5 per cent income tax, 15 per cent tax on income rather than the average 32.5 per cent tax, a tax-free income stream after age 60) they want, in return, a few commitments from the trustees of the super fund.
One of the main commitments is that trustees have a duty to act in the interests of members, and that the super fund is maintained for the sole purpose of providing retirement and insurance benefits to members.
That sounds obvious - that your super fund exists to help provide you with a financial boost in retirement - but it can be easily overlooked by would-be entrepreneurs. So there are restrictions with regards to residential property investment, including:
You cannot buy residential property from a related party.
Super fund members or relatives can't stay in or rent your property.
As the property may well take most of the money available in your super fund, it may be difficult to justify holding just one single investment rather than a diversification.
It will be vital to ensure that the combination of rent and member contributions will be enough to pay the ongoing costs/maintenance.
Bottom line: It can be a good investment, provided you can justify it. Seek independent legal and tax advice before taking the plunge.
Justine Davies is a finance author who blogs on yourmoney.com.au. Her latest book is Money for Nothing.
Gen Xs - Bruce Brammall
JENNIFER Hawkins looks good in anything, but how much hotter is she in a swimsuit?
Similarly, residential property has always looked sexy in super. Super, like a bathing cozzie, is a skimpy tax environment.
Recent super rule changes have put property in a bikini. Now, it's smokin' hot! The hottest super model of the super world.
But first things first: Residential real estate is for self-managed super funds only. It's not available in your average super fund.
The recent rule changes relate to gearing. SMSFs can now borrow to invest.
Previously, buying residential property in your SMSF required having the purchase price, plus stamp duty, in cash a minimum of about $450,000. Few had enough money.
Now you can buy residential property in your SMSF, with (technically) $0 down and fully geared. However, most lenders will lend 80 per cent of the purchase price. Therefore, your super fund would need an absolute minimum of $150,000 (plus high ongoing contributions) for a $400,000 property, to allow for some diversification and funds to cover negative gearing in the early years.
For those comfortable with regular property gearing, the new rules are potentially exciting.
But it's for a limited few, experienced investors. Gearing doesn't suit everyone. Neither are the complexities of SMSFs.
Geared property in super is a super-complex investment strategy that requires complicated trust structures and professional help.
Effectively, you need many stars to align for your circumstances. But if they do, geared property in a SMSF is looking a little like Jen.
Bruce Brammall is the author of Debt Man Walking (debtman.com.au) and principal adviser with Castellan Financial Consulting.
Boomers - Mark Bouris
THERE are positives and negatives to this strategy and it can go either way depending on your personal situation and what you want to achieve out of the investment.
One good reason to invest in real estate through super is that you are exempt from capital gains tax if the property is sold once you reach pension phase.
There are extra tax benefits as well. The rental income received is capped at 15 per cent tax while in accumulation phase and it's tax-free once in pension phase.
If you do it outside of super in your personal name, the tax may be as high as 46.5 per cent (including the Medicare levy).
Now what about the why not? Well for one thing, a lot of small self-managed super funds are heavily invested in property and are light on all the other asset classes.
While bricks and mortar may seem a like a conservative investment, it's a good idea to have a mix of assets - fixed income, cash, shares and property - to protect yourself against market ups and downs.
Remember, property isn't as liquid as other forms of investments, such as equities or cash. If you want to sell, you have to sell the whole asset. You can't just sell off the living room.
All up, it's a tough recommendation. If you are an investor who has a diverse portfolio of assets, own your home outright and have a considerable amount of savings in super, I'd say go for it.
But if you just have your home with a couple of hundred thousand dollars stashed away for retirement and no other investments or assets, I'd rethink this strategy. No investor should ever put all their eggs in one basket.
Mark Bouris is executive chairman of wealth management and advice firm Yellow Brick Road.
Retirees - Kerrin Falconer
FIRSTLY, and most importantly for retirees, income is the name of the game. Income ensures that you have funds to meet your everyday living expenses and in some cases, a bit more.
Second in importance is the ability of your investments to keep pace with inflation. This means that your money will buy a loaf of bread in few years' times at roughly the same price as today - in real terms.
So you need investments that can produce income and the capital growth. This means a variety of investments, including the growth assets of shares and property.
Let's look at the structure in which to hold it. For retirees older than 60, superannuation is the most tax-effective structure in which to hold investments.
Why? Because any income or capital gain derived from a pension account is tax-free.
As far as residential property goes, the only type of super fund that can hold direct property is an SMSF. Property can take up a big chunk of an SMSF's funds. It is one investment in one street, suburb, town or city. So hardly a whole lot of diversification - unless you have substantial funds and can invest in other asset classes as well.
Remember that rent is paid only if there is a tenant. In addition, there are outgoings such as council rates, land tax and maintenance.
For retirees who don't want to be bothered with maintenance and tenant issues, listed property trusts can be the way to go. These tend to invest in commercial and industrial property though and for good reasons.
Property in your super fund can be worthwhile, but make it easy for yourself and go the indirect route.
Kerrin Falconer is a finance writer with 15 years of financial planning experience.