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Yes, you can be the only one participating in a 401(k). Here are the pros and cons.
The following post comes from Tomer Shoval at partner site Mintlife.
Every once in a while, I receive a stack of paper in the mail from Vanguard addressed to "Plan Administrator," which gives me an undeserved sense of self-importance.
No, I didn't select "Plan Administrator" from a drop-down list of salutations that also included "Dr.," "Lord," and "Marquis" – I am actually the administrator of a 401(k) plan. The plan has one participant. Guess who?
My plan is called an individual, or solo, 401(k). It's been legal since 2001, but until a few years ago, practically nobody had heard of this type of plan and few investment companies offered one.
Now, the major players like Fidelity, E*TRADE, and Vanguard are all onboard – and still, practically nobody has heard of it. Recently, I helped a friend set up an individual 401(k), and her accountant had no idea what to do with it.
The individual 401(k) is great because it allows you to save more than other self-employed retirement plans. It puts independent contractors on par with employees.
Well, sort of.
If you want to match your own contribution, the match will have to come out of your other pants pocket. But for most self-employed people – including employees who get a W-2 from their boss but also run a business on the side – the individual 401(k) is better than other plans like the SEP-IRA or Keogh.
Admittedly, many of you have no use for this cool retirement tool. Before you conclude that the individual 401(k) isn't for you, however, read on. If you have any self-employment income at all and your business has no employees (other than your spouse), running your own 401(k) could reduce your taxes enormously.
If there's anybody who doesn't like the sound of that, please post a comment with your picture so we can see what a space alien looks like.
What's so great about being a plan administrator?
The key feature of the solo 401(k) that makes it better than the other plans available to self-employed people is: You can contribute up to 100 percent of the first $17,000 your business makes.
This comes in handy in a couple of common situations and one uncommon one:
- Your spouse works full-time and contributes to a retirement plan at work. You work part-time for yourself and would like to save as much of your income as possible. With other retirement accounts like a SEP-IRA or Roth IRA, you'll quickly hit the maximum contribution and miss out on the bigger tax break you'd get from a 401(k).
- You generally live off your self-employment income, but you receive an inheritance or other windfall. Now, all of a sudden, you have more money you'd like to save — and shelter from taxes. An individual 401(k) can help: You can save $17,000 plus 20-25 percent of your business's profit (depending on whether the business is incorporated), up to a maximum of $50,000 (or $55,500 if you're 50 or over).
- You're just super-frugal. A Spartan sole proprietor who makes $40,000 can save $8,000 in a SEP-IRA or $5,000 in a Roth IRA, but over $21,000 in a solo 401(k).
Yes, these numbers are simplified. The actual IRS formulas are more complicated. Does this surprise anyone? And yes, I know people this frugal.
Last year, I found myself in the first category, so I opened an individual 401(k). Incidentally, despite the name, an individual 401(k) can have two participants: you and your spouse, as long as your spouse works for your business and is paid a reasonable salary.
That is, you can't pay your spouse $17,000 to take out the trash one day and call it a salary.
Who shouldn't 401(k)?
If you don't have more than $5,000 to contribute to an individual 401(k), just stick with a traditional or Roth IRA.
If you contribute the maximum to a 401(k) at work, you can still open a solo 401(k). But you can't contribute the $17,000, only the 25 percent of profits.
If you have a lucrative side gig, however, this could certainly be worth doing.
If you hire employees (not contractors, but real W-2 employees) other than your spouse, you're no longer eligible for a solo 401(k) and have to convert it to a full 401(k).
OK, sign me up!
To open an individual 401(k), you'll need to fill out some paperwork – maybe a dozen pages. It's not as easy as opening a Roth IRA, but it's not hard, either.
I opened my 401(k) with Vanguard, and it took less than an hour, with a helpful phone representative walking me through it. After the initial application, everything can be done online.
If your solo 401(k) has more than $250,000 in it, you have to file an annual form with the IRS. Nice problem to have.
You don't need to be incorporated to establish a solo 401(k), but if you're not, you need a Federal Employer Identification Number (EIN), which you can get online from the IRS in a couple of minutes.
If you're unincorporated, you'll use your EIN for the 401(k) paperwork and enter it, along with your Social Security number, on Schedule C of your 1040.
That's it. Just don't use it for anything else unless you're incorporated, or it confuses the IRS. I found this out the hard way.
Finally, all versions of TurboTax that support self-employment income (that is, Deluxe, Premier, and Home & Business) understand individual 401(k)'s, so it won't bite you at tax time. Unless you have to explain it to your accountant…


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BTRC Takes Delivery of Locomotive
(The Western Canadian, Manitou, Manitoba -- March 27, 2012)
NARCOA rides BTRC rails... (The Western Canadian, Manitou, Manitoba -- Tuesday, July 12, 2011)
Boundary Trail Railway Co. Hosts Members of the North American Railcar Operators Assoc.
BTRC receives Economic Development Innovation Award from Province (April 23, 2010)
Film-maker Dan Nystedt interviews BTRC for documentary entitled "Derailed the National Dream" to be released later in 2010. (March 26, 2010)
MB Cooperator - Economic Development Advantages of a shortline - Jan 28, 2010
Winnipeg Free Press - "From being railroaded to future rail-line barons" - Dec 11. 2009
CBC - BTRC's Grand Opening – June 30 2009
Winnipeg Free Press & Manitoba Cooperator -"Green pitch ironic after railways shut lines" - June 20, 2009
Press release from the Federal Government – June 8, 2008
Press release from the Provincial Government – May 6, 2009
BTRC receives Economic Development Innovation Award from Province
BTRC reps and guests meet with MAFRI Minister Stan Struthers prior to their receipt of the Province's Economic Development Innovators Award for Corporations at the 2010 Capturing Opportunities Celebration Banquet in Brandon in April. Pictured left to right are Kim Taylor (Reeve, RM of Pembina), Gary Smart (MAFRI BDS - Somerset office), Kevin Friesen (President, BTRC), Geoff Young (Vice President, BTRC), Minister Struthers, Laurie Linaker (Board member and past President, BTRC), Jake Goertzen (Mayor, Town of Manitou), Travis Long (General Manager, BTRC), and Paul Grenier (President, CDEM).

subset: commoncrawl


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Understanding how sustainable you are has become vital for large businesses. Do you have the answers to probing questions?
How many of your employees died at work last year? How much less energy are your new stores designed to use? And how is that initiative to make clothes out of recycled packaging coming along?
These are the kinds of questions consumer markets companies and their suppliers will have to answer – and publish – as the drive towards sustainable reporting gathers momentum. It is not enough to be green: you have to be seen to be green. And just to make the challenge a little steeper, the definition of 'sustainability' has now broadened.
It is no longer enough to publish figures that show how much you recycle or how much less CO2 you emit for every dollar of revenue. You also have to show that the products you sell or make are not being manufactured using child labor, and that you are aware of the impact your business has on local communities.
By becoming more transparent, companies may risk negative media coverage. But they also have the opportunity to build positive brand associations with both consumers and the business community. And in any case, the rapid global spread of information made possible by the internet is making disclosure essential.
"The easiest solution would be to keep your head below the parapet and hope no one asks difficult questions," says Professor David Grayson, Director of the Doughty Centre for Corporate Responsibility at Cranfield School of Management. "But difficult questions are being asked these days. The reality is that, in a WikiLeaks world, information is going to come out anyway."
Does criticism of a company's social and environmental impact matter? While some argue it is hard to identify ROI on the cost of sustainable reporting, the case seems reasonably clear. The consultancy Interbrand has estimated that the world's most valuable brand, Coca-Cola, is worth US$70bn in reputational terms. Any criticism, boycott or misjudged risk that damages it has a financial impact on Coke: the brand is the company's most valuable asset. Alongside the risks is opportunity. Your ability to win new consumers in emerging markets might be enhanced if more efficient use of resources helps you cut costs and develop newer, more frugal products.
Companies are starting to see sustainability reporting as central to their business strategy rather than a PR requirement. With environmental impact increasingly likely to affect corporate value, information on risks and opportunities must be made available to investors and other stakeholders – in the same way that businesses report on financial performance.
"Companies are increasingly aligning this activity under the CFO, asking the head of sustainability to report to the CFO," says Ted Senko, KPMG's Global Chief Executive of Climate Change and Sustainability and a partner in the US firm. "But when it comes to financial reporting, companies have well-developed systems, procedures and internal controls. The information in sustainability reports is much more anecdotal."
Some companies opt for an 'edited highlights' strategy, which dazzles with spectacular figures and prizes: an award here, a million fewer plastic bags there. Norwegian fishing giant Cermaq goes even further, offering five-year statistics on key metrics, disclosing concerns (such as criticism by NGOs like Friends Of The Earth, relations with the indigenous population of British Columbia and fatalities at work) and the international standards it is trying to achieve.
Cermaq's commitment reflects a shift in corporate attitude. In 1999, only 24% of companies across all sectors had sustainability reports. In 2011, this figure had risen to 64%, according to KPMG research. As the charts opposite demonstrate, sustainability reporting is now being taken seriously, and consumer markets businesses – driven by stakeholder interest – are leading the way.
"Many companies started reporting because of external pressure from NGOs, and then because their peers were doing it," says Wim Bartels, Global Head of Sustainability Assurance at KPMG and a partner in the Dutch firm. "Now more investors worry about it."
The Carbon Disclosure Project – which acts on behalf of institutional investors to persuade companies to report on the business risks and opportunities presented by climate change – has a collective US$71 trillion in assets under management.
Major corporates are taking note. Coca-Cola's annual report includes the revelation that the company uses 309 billion liters of water a year across its production processes. Procter & Gamble publishes an annual sustainability report separate from its financials, detailing greenhouse-gas emissions by sector and the amount of waste it produces.
It is relatively easy for a company to acknowledge the importance of sustainability reporting. The difficult part is creating processes, procedures and systems to generate robust, meaningful information that can be compared.
For a start, the areas that need to be reported on vary tremendously. While a food retailer might focus on labor conditions among smallholder farmers in Africa, a furniture-maker might highlight the percentage of wood it sources from sustainably managed forests.
Bartels says identifying what is material to a company is part of its learning curve. "The next phase is focusing on the sustainability issues that really matter to businesses – that's when this becomes a management tool."
Once companies have gone through the process of rigorous self-analysis – talking to different stakeholders along the way – the challenge is how to measure and report accurately.
Reporting on the impact of industrial water use poses particular problems. Carbon emissions can be measured by the tonne and retain the same value wherever they are emitted, but the impact of water consumption varies considerably according to whether it is being extracted from a country with an abundant supply of water, such as Scotland, or water-stressed parts of sub-Saharan Africa. Tracking the environmental and social footprints of business partners across complex supply chains is even tougher.
It remains hard to make performance comparisons across companies. "If two companies in the same sector report on carbon emissions, they might have different approaches, scope, definitions and methodologies," says Bartels.
One disincentive to embarking on sustainability reporting is that it costs a lot of time and money. Yet companies need to take reporting seriously. "If you don't have your act together and don't understand the issues, you run the risk of greenwashing," says Bartels.
Plagued by such variables and uncertainties, many companies struggle to find robust data in their sustainability reporting. KPMG's research suggests that almost a third of the largest companies produce a restatement."
In the financial world, you couldn't imagine a board looking at the financial figures and saying there was a 50% error," says Bartels. "That's no way to manage your business."
"Ensure what you do is as auditable as possible," advises Senko. "But it's also important to invest in systems. If you get it right, you can use sustainable reporting to make business decisions and set strategic targets to hold people to account. That doesn't mean you have to hire new people or change skill sets, but you might need some expertise around the metrics you are collecting."
Technology can help. Software and database tools, connected to remote sensors in factories and supply lines, can make more accurate assessments of resource inefficiencies such as water leaks or heat loss. For companies with global operations, IT is essential to make sense of the mass of data.
The systematic approach, the need for accuracy, and the scope to use data to improve efficiency all explain why CFOs are increasingly being asked to shoulder this task. Senko says internal audit departments are being beefed up, as companies view sustainability reporting as a task requiring forensic analysis.
Progress is being made, but when assessing the reporting practices of 132 companies in the consumer sector for its Measuring Up: Improving Sustainability in Consumer Markets report, KPMG found a wide variance in the quality and quantity of information reported and the types of data captured."
There's still no de facto requirement, whether through regulation or peer pressure, to produce high-quality information," says Senko. "Professional bodies set certain standards but they don't always offer assurance."
CFOs who remain dubious about sustainability reporting may have to reconsider. Such reports are becoming mandatory. A base level of sustainable information is now compulsory in 10 of the world's most significant economies. Since 2009, Denmark has required large companies to include information on sustainability in their annual reports or to justify its absence in a statement. More stock exchanges have listings requirements that include disclosure on environmental impacts and governance.
Adoption of 'integrated reporting' – through which companies connect corporate strategy, governance and financial performance with social and environmental performance – is gaining momentum. In October, the International Integrated Reporting Committee launched a pilot programme it hopes will lead to a new global standard.
Global regulations requiring reporting are far off. The ability to benchmark sustainability information as effectively as its financial equivalent remains elusive. But things are changing.
Bartels believes more time needs to be spent learning about what works and what doesn't before legislation sets reporting practices in stone. "If we don't, we'll create serious cost issues, and we'll end up with a box-ticking exercise – companies will comply, but only because they have to."
Are we moving towards a single, commonly accepted set of sustainability standards?
Yvo: We are making progress, but the problem is companies have so many different methods for reporting. It not only creates a huge amount of work but it is also very confusing. Significant initiatives are taking place to streamline things and ensure there is one common set of parameters, but that involves extensive discussion.
What are the main barriers to achieving those goals?
Yvo: It's about agreeing on that common set of parameters companies feel should be reported. You will always have a number of indicators that are company-specific or sector-specific because they're not relevant to everyone. The IIRC [International Integrated Reporting Committee] is in discussion but it's difficult to say when it will reach a conclusion. Companies are in favor of standards but they also want a better understanding of what they are getting into.
How will shareholders react?
Yvo: Sustainability is increasingly high on the list of shareholder priorities, which is why a growing number of companies around the world are beginning to report in a more integrated way. That information is starting to influence investment decisions and consumer confidence, plus a number of companies see sustainability as a way of cutting costs or enhancing their brand.
Is there a correlation between economic turbulence and lowered interest in sustainability in boardrooms? Yvo: I don't see that – partly because being active in sustainability can be a significant cost-saving opportunity for companies. And in a constrained market it can be a significant way of enhancing your brand for consumers.
Many retailers believe consumers will not pay a penny more for sustainability. Do you agree?
Yvo: No. Analysis shows that consumers are interested in sustainability, and in a number of instances are willing to pay more for it. A lot of retailers are spending heavily on marketing sustainability. But it isn't something that automatically means higher costs. For many companies, it's actually an opportunity to reduce costs. Some retailers have been able to realize very large cost savings in packaging and transport of dairy products, for example.
Do you sense the same enthusiasm for sustainability in emerging economies that you see in the West?
Yvo: Purchasing power in those countries is much lower. But a number of retailers are reacting by marketing and packaging products in different ways – for example, by selling washing powder or toothpaste in smaller packages that are more accessible to lower-income groups.
View articles from the ConsumerCurrents archive.
ConsumerCurrents provides senior executives and consumer companies insights on topical industry issues, global trends and business planning.
KPMG's new digital platform


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realmagick.com The shrine of knowledge.
- Three-year plan that's aiming for a gross margin of €80/ewe
- At the moment the farm is a hive of activitiy, as he has established a flock of 80 pedigree Lleyn ewes which began lambing in mid-February. Many sheep farmers rate the Lleyn breed highly for their ease of care and prolificacy.
- New Lleyn centre record at society's Ruthin sale
- This year's Lleyn Sheep Society sale in Ruthin saw a new centre record of 11,000gns as buyers showed they were prepared to pay a premium for quality (Mon, Sept 7). With a strong number of rams, buyers were able to pick and choose, with nearly 20 tups ...
- NI Lleyn Sheepbreeders dinner
- 2015 was just the second year that the Lleyn breed has exhibited at Balmoral Show and champion male and overall breed champion was exhibited by Charles and Andrew Kennedy, Ballyclare. Female champion came from breed stalwarts Roly and Fiona ...
- Record lamb crop predicted for 2016
- The Martin ewe flock contains a mix of Belclare, Lleyn, Highlander and Romney bloodlines. John attributes the high lambing rates now being achieved to the excellent grazing conditions that prevailed last back end.
- Carlisle Lleyn sale hits 6500gns for Pwllheli tup
- This year's Lleyn Sheep Society sale in Carlisle (Thurs, Sept 24) saw a mixed day with many highs and few lows. Breeding sheep found homes easily with a premium paid for quality, but the commercial trade was more tempered, especially for ewe lambs.
Lleyn is described in multiple online sources, as addition to our editors' articles, see section below for printable documents, Lleyn books and related discussion.
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Monday, October 24, 2016
Andreas Hykade Keynote Toasts 25 Years of Filmakademie at FMX
The internationally acclaimed Filmakademie Baden-Wuerttemberg is celebrating its 25th anniversary this year. As part of its celebrations, Stuttgart's FMX event invited Professor Andreas ... Continue Reading →
A Wild Ride
FMX is set to blend realities as the top talents in effects and animation prepare to descend on Stuttgart, Germany, for the annual conference. Get ready for a trippy experience at ... Continue Reading →
Filmakademie Wraps Up SARA Autism Project
Filmakademie Baden-Wuerttemberg announces that the R&D department at its world-renowned Institute of Animation has successfully finished its participation in SARA, a DFG-funded ... Continue Reading →
Daily News Bytes
Graphic India to Expand Blockbuster 'Baahubali' to Comics, Animation Akira Mediaworks teams up with Graphic India for transmedia expansion of hit historical fiction epic. Animation ... Continue Reading →
World Animation Celebration Winners Announced
Animation Libation Studios and Animation Magazine, the presenters of the 2015 World Animation Celebration international short film festival, have confirmed the winners of this year's ... Continue Reading →
Filmakademie Dishes on SIGGRAPH Asia Student Win
SIGGRAPH Asia 2015 recently revealed the winners of its Computer Animation Festival, and now we have some more insight on the Best Student Project Award winner Natural Attraction by ... Continue Reading →
'Chase Me' Takes Top SIGGRAPH Asia Prize
SIGGRAPH Asia has announced the winners of the 2015 Computer Animation Festival, which will screen November 2-5 during the conference and exhibition at Japan's Kobe Convention Centre. Best ... Continue Reading →
The Animag 250: Schools to Hire From
The Animation Magazine 250th issue celebration continues, this time with our list of schools to hire from. They are: Academy of Art University — San Francisco, Calif. The Animation ... Continue Reading →
Filmakademie Names Andreas Hykade Director of Animation Institute
Internationally acclaimed filmmaker Andreas Hykade has taken on the position of Director of the Institute of Animation, Visual Effects and Digital Postproduction at the renowned Filmakademie ... Continue Reading →
FMX 2015 Looks to the Future
The FMX conference on animation, effects, games and transmedia — set for May 5-8 in Stuttgart this year — will be looking at a broad range of topics related to the future ... Continue Reading →


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WHITE PLAINS - Nan Hayworth is running for Congress again.
Surrounded by supporters in Chester yesterday, the Hudson Valley Republican from the 18th District confirmed a long standing rumor that she was running again.
Heyworth says she's decided to challenge Congressman Sean Patrick Maloney (D) for her old seat this fall.
Heyworth, who was first elected to Congress in 2010, filed with the FEC and began raising money for a re-match with Maloney in 2013.


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U.S. markets plunged across the board, as rate hike fears in Asia compounded with Irish sovereign debt issues to spook American investors. The Dow and S&P 500 both tumbled by 1.6% on the day, while the tech heavy Nasdaq was especially hard hit and slid by 1.8%. Commodity markets experienced yet another down session as gold fell by more than 2% and oil sank by 3% on the day. These losses helped to push many traders into the bond market as T-bill prices regained much of the ground lost in Monday trading, which also boosted the fortunes of the U.S. dollar. The greenback showed strength against many rival currencies, including large gains against the pound and euro.
Tuesday's big news came out of Asia, where a 25 basis point rate hike by the South Korean central bank sent fears into the market as many traders worried that China would also soon raise its rates in order to curb inflationary pressures on its economy. Since many see China as one of the key drivers of growth in the world economy, speculation over this move and a possible slowdown in the country sent many running for the market's exits. "People look at China as a consumer of goods, a source for exports, so the ripple effect with trying to deliberately slow the economy, that's the fear," said Marc Pado, U.S. market strategist at Cantor Fitzgerald. Meanwhile, ongoing speculation in Europe that the Irish would need a bailout in order to recover from a deteriorating fiscal situation also weighed on the markets. The sell off came despite Irish rejection of a bailout and conflicting rumors which suggested that European officials were ready to offer the struggling nation an aid package worth well over $100 billion.
The ETFdb 60 Index sank 15.12 points, or 1.4%, as only eight components advanced on the day. Trading topped 1 billion shares, the highest level in several weeks.
One of the best performing ETFs on the day was the Vanguard Long-Term Bond Index Fund (NYSEARCA:BLV), which gained 1.5%. Tuesday's gains came after investors fled the stock and commodity markets and piled into long-term bonds as a refuge from the growing storm in both Asia and Europe. Yields on 20 year bonds plunged by 9 basis points while the 30 year bond saw yields drop from 4.38% to 4.26%, helping to erase much of yesterday's surge in yields in long-term sovereign debt. Despite Tuesday's gains, BLV is still down 2.2% over the past week and has plunged by 5.8% over the past quarter.
Click to enlarge charts
One of the biggest losers in the ETFdb 60 was the iPath DJ-UBS Copper ETN (NYSEARCA:JJC), which plunged by 4.8% on the day. Tuesday's drop in the copper markets was the largest in four months and came as fears over a Chinese slowdown combined with hope that a strike at a major mining facility in Chile may be ending soon, further adding to the supply. The dollar's strengthening didn't help matters either, as the greenback's rigidity in the open markets helped to limit demand for commodities. Although the red metal has seen its price skyrocket over the long term, it is experiencing a rough patch as of late; JJC is now down 6.2% over the past week and down 4.2% over the past month.
Disclosure: No positions at time of writing.
Disclaimer: ETF Database is not an investment advisor, and any content published by ETF Database does not constitute individual investment advice. The opinions offered herein are not personalized recommendations to buy, sell or hold securities. From time to time, issuers of exchange-traded products mentioned herein may place paid advertisements with ETF Database. All content on ETF Database is produced independently of any advertising relationships.


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White House Fails at Home and Abroad
Why are Secretary of State Hillary Clinton and the White House obsessed with apologizing for an amateur video that no-one had heard of, seen or cared about?: Why are they so obsessed with singing the praises of "a great religion" who's leaders are the world's leading proponent for mob violence and mass murder?
In light of the fact that North Dakota State University has been evacuated after a bomb threat, there has been an 'unspecified' threat at Valparaiso University, an Al Qaeda threat has shut down the University of Texas, a mob at the U.S. London embassy burned an American flag, protesters smashed windows and set fires at the U.S. embassy in Tunisia, gunfire was heard at the embassy in Sudan, clashes at the Cairo embassy continue to intensify, why is the current administration so obsessed with telling violent Islamist extremists "we're sorry"?
As per to the UK Independent:
"According to senior diplomatic sources, the US State Department had credible information 48 hours before mobs charged the consulate in Benghazi, and the embassy in Cairo, that American missions may be targeted, but no warnings were given for diplomats to go on high alert and "lockdown", under which movement is severely restricted….
There is growing belief that the attack was in revenge for the killing in a drone strike in Pakistan of Mohammed Hassan Qaed, an al-Qa'ida operative who was, as his nom-de-guerre Abu Yahya al-Libi suggests, from Libya, and timed for the anniversary of the 11 September attacks"
The U.S. federal government, who's responsibility is to ensure the safety and security of America, even though they had advance warning at a time of tremendous unrest in the Islamist world, failed to protect American embassies abroad on the anniversary of the 9/11 terrorist attacks?
Now their chorus is "We're sorry"?
There are people who hate America.: The current administration can apologize to them, bow to their kings, try to bribe them with foreign aid and beg for forgiveness all it wants.: People who hate America will continue to hate America.
Instead of trying through appeasement to make friends with those who want to kill Americans, the United States government should ensure that those who hate America at least respect American might and American resolve.
Since even before his election, Obama has sought to soft sell America to the Islamist world.: He has followed the "progressive" approach that if America is nice enough to its enemies for long enough, its enemies will decide to like America in return.
So far, mass violence has broken out in Syria, Egypt and Libya.: In Libya four Americans have died.: Iraq is cooperating with Iran, allowing the Iranian Islamist government to arm Syrian rebels by allowing them safe passage through Iraq. : Israel is under existential threat because Iran thumbs its nose at the world and comes ever closer to building a nuclear weapon.
The results of "progressive" foreign policies have been at the very least, unsatisfactory.
Since "progressives" believe they should be judged solely on their intent, they are incapable of understanding why America's enemies have rejected their overtures.: To "progressives" their being judged on the results of their policies and initiatives remains a puzzle.: They remain mystified as to why they are being blamed for the failure of their policies.: After all, "their intentions were good", therefore it can't possibly be their fault.
For so long as Barrack Hussein Obama, who's economic, domestic and foreign policies are all designed to curtail American power and influence at home and abroad remains in the White House, the world's perception of America will remain unchanged.
Also see...
Even though my father, brother, uncles and grandfather were in the military, I seldom handled guns growing up. That's because unlike many of the other people in my family, I've...Read More
Michael Fell
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The Toronto Raptors are hosting this year's All Star Game in a few weeks, but probably-soon-to-be-All Star DeMar DeRozan got a jump on the festivities, leading Toronto to a 6 point win over the Celtics thanks to a 34 point, 6 assist performance.
The Celtics and Raptors traded a bunch of early baskets before the Raps started a barrage from deep that led to a 12-2 run and a 10 point lead. The lead would grow to 13 before settling at 8 at the buzzer. The vaunted Celtics D allowed 35 points in the quarter on 65% shooting. On the plus side, after allowing 3 straight 3's in that Raps run, Toronto missed their next 4 attempts.
The Celtic bench fueled a bit of a comeback to start the second quarter. Jonas Jerebko had a 3 and coast-to-coast layup followed by a pair of Kelly Olynyk 3's to cut the lead to 3. Olynyk and Jerebko stayed hot to help keep the game pretty even over the next few minutes, then the starters began to filter in, and play defense, to take a lead. Avery Bradley scored 6 straight point in just more than a minute during that stretch, which was part of a larger 22-10 run to close the quarter. After dropping the 1st quarter 35-27, the Celtics won the 2nd 35-21… and went into the half with a 6 point lead.
That didn't last long in the 3rd quarter, though, with Jonas Valanciunas being the early focal point of the Raptors offense. He scored 6 points in a 10-4 run that gave Toronto the lead back just a few minutes into the 2nd half. He'd finish the 2nd quarter with 13 points. From there it was the DeMar DeRozan show. He finished with 18 points in the 3rd quarter alone, viciously attacking any and all comers dropping 7 of 10 shots and 4 of 5 from the line. Valanciunas and DeRozan shot 13 of 16 (JV was 6 of 6). Raps were up 6 after 3.
The 4th quarter didn't start out particularly great with the Raptors getting a bunch of second chances but not making much of those opportunities. The C's kept it close and even withstood a little surge after DeRozan checked in to tie the game at 105 with 3:20 left behind a couple of Thomas layups and a Bradley jumper. The Raps hit, what else, a couple of 3's in the ensuing exchange to push their lead back to 4. A Crowder J cut it in half but DeRozan canned a jumper to get back to a 4 point lead with 46 seconds left. The Celtics had the ball under their own basket a few seconds later but couldn't get the ball in… leading to Isaiah Thomas to make an ill-advised long pass that Toronto tracked down. The only shot the Celtics could muster in the final minute of the game was a heavily contested Avery Bradley jumper. Toronto went on to win 115-109
The Green
Kelly Olynyk had another hot game, with 18 points, 4 assists, and 4 rebounds…. but… (scroll down for the rest of this thought)
Jonas Jerebko seemed to be playing like his old self.. though he only got 15 minutes.
Jae Crowder quietly had another nice offensive game with 17 points, 5 rebounds, and 4 assists.
The Gross
….But how does Olynyk only take 10 shots in this game, including just 4 in a 4th quarter where the Celtics could have used some scoring help. Isaiah Thomas, whom I love and think is absolutely an All Star, needs to trust and find Olynyk more in these situations. Again, IT went at it alone far too much down the stretch, taking 11 shots in the 4th and only making 4.
Celtics 3 point defense was not great… especially the starters. The starting unit struggled at the beginning of each half especially.
Speaking of defense… 115 points on 55% shooting for Toronto? This great defense the Celtics are known for has failed them recently. That's a HUGE scoring night against this D.
Jared Sullinger (1-7 fg, 3 points, -19) was mostly terrible tonight.
Marcus Smart didn't take many shots, but he took a couple of bad 3's (which he missed) and he had some missed reads on the pick and roll that he needs to get better at recognizing.
The Greenlights
Jonas coast to coast
Jonas Jerebko comes up with the steal and takes it coast-to-coast! pic.twitter.com/9BBLF3ZGtO
— Boston Celtics (@celtics) January 21, 2016
Kelly Olynyk with the slam
Kelly Olynyk adds to Boston's offensive clinic with a driving jam! #TheBounceIsReal pic.twitter.com/pWGO9rrrmO
— Boston Celtics (@celtics) January 21, 2016
The Grid
- Points in the paint: Raptors 54 – Celtics 38
- Valanciunas: 19 points (9-9 fg, 1-2 ft) 12 rebounds
- Luis Scola: 18 points (8-12 fg, 2-4 3pt) 5 rebounds
- Amir Johnson: 2 points (1-3 fg) 4 rebounds
- Sullinger: 3 points (1-7 fg) 2 rebounds
- Bench points: Celtics 47 – Raptors 25
Gotta close out these games with better late game execution. And, as I've said a million times… it starts on the defensive end. Offense has to come from defense or else these types of finishes will continue to happen.


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Shopping at The Boston Bay directly supports our rescue efforts. Below are some of our favorite items. We hope you like them, too! 100% of Boston Bay proceeds go to our medical fund. Many products are limited and cannot be reordered, so be sure you buy what you'd like to have TODAY!
Options of purchase are paypal (cart link next to each item) OR check/money order to MABTR at 14826 Spaulding St, Omaha, NE 68116. Include order list.
Shipping is included unless otherwise noted.
MABTR 2017 Calendar
|MABTR is accepting per orders for the full color 12 month calendar. Calendars will be shipped out in early December in time for the holidays.
Shipping: included in price above
MABTR 2016 T-shirt
|The MABTR 2016 T-shirt is now here. Every year we have a new design so here is the next one to add to your collection. 50% cotton/50% polyester. Sizes range from X-small to 4X.Shipping: $2.50
Colorado Hoodie
|Display your Colorado and Boston Pride on a 100% cotton hoodie. Sizes run Small to 3x. Item will be shipped the first week of November
Shipping: $4.50
Children Art Greeting Cards
|Package of five greeting cards designed by children. Full color, blank inside to be used for any occasion with envelopes. On the back of each card the bio of the artist will be shared. Thank you to all the children who submitted their art work.
Shipping: $2.50
Wiggle Window Decal
|Vinyl Window Decal sharing your favorite breed. Measures slightly lager than 4″ x 3″. White in color. Shipping: $.50
Colorado Flag T-shirt
|Display your Colorado and Boston Pride on a 100% cotton T-shirt. Sizes run big. Shipping: $2.50
Colorado Flag Tank
|Display your Colorado and Boston Pride on a 100% cotton loose fit woman's tank.
Shipping: $2.50
Loose Fit Tank
|Women Loose Fit tank tops. This is a loose fit style that comes in white or pink from X-small to 2X. 100% CottonShipping: $2.50
Tight Fit Tank
|Women Fitted tank tops. This is a tight fit style that comes in white or pink from Junior sizes X-small to X-Large (run small). 100% ring spun combed cottonShipping: $2.00
Looking out the Window Decal
|A must have for every vehicle. Both designs in white. Meant to be on the outside of the window.
Beer Koozie
|MABTR Beer Koozie that you can take every where. We love to collect them so add this one to your stock.Shipping: $1.25
Boston Blank Cards
|Blank Cards that show the expressions of this great breed. A set of 5 cards (one of each) per packet.Shipping: $2.00
Boston Birthday Cards
|Boston Birthday Cards that show the expressions of this great breed. A set of 5 cards (one of each) per packet. Shipping: $2.00
2015 MABTR T-shirt
|Design includes the faces of three bostons that were adopted out through MABTR. Full color on a white short sleeve T-shirt of 100% Cotton shirt with the saying "ADOPT! Don't Shop… adoptaboston.com"Shipping: $3 per item
2014 MABTR T-shirt
|Red and white Boston Terrier wearing sunglasses appears in the center of this blue 100% cotton T-shirt, with the saying "See a world without homeless pets."
Shipping: $2 per shirt
Dry Nose Cream (.25 oz) – $8
Soft Snout for Dry Noses rocks! Noses start to crack or turn to what is called a cauliflower nose. Not very pretty. MABTR is faced with this on a regular basis with our puppy mill survivors. Best of all, there is no flavor or smell. All natural. Simple: apply a small amount on the nose twice a day and you will see a difference. Ingredients: Beeswax, shea butter, and jojoba oil."Nalah's nose is unbelievable. She has an overgrowth of tissue that she was born with. We've tried everything including acid that the vet gave us. It didn't help and it hurt. However Soft Snout was the answer."
Shipping: $1.50 per container
Boston Window Decal – $5
This Boston window decal lets everyone know your breed of choice. Sticker is die-cut, and the part shown in black in the photo is actually white). Perfect for your vehicle or house windows. Simple to put on and easy to take off. Peel, rub, and remove backing. Measures 5″ x 6″.
Shipping: $.50 per sticker
Boston Terrier Books – $11 each or $20 for the set
Everybody knows that Boston Terriers smile, but do you know why they are smiling? The forever families of adopted Boston Terriers who shared their fascinating stories in these books know why, and they want you to know, too!
These two volumes are heartwarming, thought-provoking compilations of true stories that address the cruelty of puppy mills and the joy that rescued dogs bring to their new homes.
Lost Souls: FOUND! Inspiring Stories of Adopted Boston Terriers, Volumes I & II feature stories from MABTR and other Boston rescues. Each book is 144 pages.
Additional breed books and mixed-breed books available at Happy Tails Books.Shipping: $2.00 per book
Boston Magnet
|New Boston Magnet. Perfect for the fridge or carShipping: $1.00
*Size info:


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Top Stories
new: Crime 29 m ago Burke asks for no prison so he can care for ill mom Read Burke's letter to the judge | Complete coverage
Top stories
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Anonymous Customer wrote on 22-Oct-2014
Very good, but next time, dont ring the person getting flowers, and tell them they're getting flowers. Ruined the surprise completely.
Lily's Florist wrote on 22-Oct-2014
So very sorry that this has happened we do from time to time call to be sure there is someone home so we don't have to leave the flowers outside. Although we usually ask if this is ok first. I am sorry if this caused to ruin the surprise. I will remind the staff to please ask the customer first.
We hope that we have managed to remedy this situation for you. We pride ourselves of delivering the highest level of customer service. Should you be happy with the level of customer service we have provided in addressing your complaint, we kindly ask that you re-submit your review by selecting option 2. Thank you so much and we hope to serve you in the future.
Anna Broomfield
Customer Service Manager
Lily's Florist
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The Health Center is staffed by a team of physicians, advanced practice nurse practitioners, physician associate, nurses, health educator, technical, office and support staff. We are credentialed and fully licensed professionals with many years in campus, ambulatory and acute healthcare practice. Our practitioner staff is Board Certified in specialty areas that include adolescent medicine, internal medicine, pediatrics, family practice and gynecology.
Staff Information
Stephanie Aviles
Billing/Office Assistant
email@example.com firstname.lastname@example.com
Emily Daponte, MD
Assistant Medical Director
email@example.com MoreEmily Daponte, MD, is a board certified Family Physician who has worked at the Davison Health Center since 2005. She received her MD from the University of Connecticut, and completed her medical residency at UCONN/Asylum Hill Family Medicine in Hartford, CT. Prior to her position at Wesleyan, she was in private practice for several years in Waynesboro, VA and in Enfield, CT. She has a particular interest in adolescent medicine and women's health. She is a graduate of Case Western Reserve University in Cleveland, OH with a BS in Mathematics, and also of Queens College, NY with an M.Ed. in Math Education. Her free time is spent with her family consisting of her spouse, two teenagers, and an assortment of pets.
Barbara Dedman
APRNRead More
Advanced Practice Registered Nurse - per diem
*The APRN will maintain a reasonable and appropriate level of consultation and referral, based on the APRN's scope of practice and experience, with the collaborating physician on an ongoing basis. The purpose of collaboration will be to review patient outcomes, including a review of medical therapeutics, corrective measures, laboratory tests, and other diagnostic procedures that the APRN can prescribe, dispense, and administer.
Joan Ecklund, BSN, RN
Nursing Coordinator
firstname.lastname@example.com More
Registered Nurse and Nursing Coordinator
Kathy Focacci, RN
Registered Nurse
Sandra Frimel, PAC
Physician Assistant
email@example.com MoreSandra Frimel, PAC, is a board certified physician assistant who has been practicing family medicine for 34 years. She received her BS in Biological Sciences at John Carroll University and Lake Erie College in Ohio. After graduating from the Cleveland Clinic/LEC Postgraduate PA program where she received her certification in one of the first PA programs, she went on to a varied career. Her first position out of school was in college medicine. While still in her home state of Ohio, she worked at Cleveland State University and Kent State University. Thus began her life- long love of college medicine. Ready to leave Ohio, Sandra joined the Indian Health Service and worked on the Seminole Indian Reservation in Florida. After leaving Florida, she joined the National Health Service Corps and served an underserved population in Hartford at Community Health Services for several years. Finally she returned to college medicine when she accepted the position at Wesleyan. She kept her hand in community medicine by working at Planned Parenthood per diem while working at Wesleyan. Of all her positions, she feels her job at Wesleyan is the best. She loves working with Wesleyan students because of their proactivity. Two of her nieces and other family members are Wesleyan graduates. When she first arrived at Wesleyan she lived on campus. Her most recent plan is to sell her home in the burbs and return to the metropolis of Middletown and the Wesleyan campus where it really is all happening. Kip, her best friend, who happens to be a dog, agrees, Wes is the best.
Sue Gebo, RD
Registered DieticianRead MoreFriday afternoons by appointment
Jeanine Hanlon, RN
Registered Nurse
firstname.lastname@example.com More
Sharon Kandro, APRN
Family Nurse Practicioner
firstname.lastname@example.com More
Sharon Kandro, APRN, Family Nurse Practitioner joined the Davison Health Center as a per diem employee in 2006. She was fortunate to be able to accept a 32 hour/week position in April of 2013. She has a BS in Biology from the University of Connecticut, a BS in Nursing from St. Louis University, Missouri, and a MS in Nursing from St. Joseph College in West Hartford. As a registered nurse her background was adult ICU and medically complex children within the home. She is involved in community outreach through the school readiness programs in the Middletown area. When not at work she is busy with her two school age daughters and husband and her pet menagerie.
* The APRN will maintain a reasonable and appropriate level of consultation and referral, based on the APRN's scope of practice and experience, with the collaborating physician on an ongoing basis. The purpose of collaboration will be to review patient outcomes, including a review of medical therapeutics, corrective measures, laboratory tests, and other diagnostic procedures that the APRN can prescribe, dispense, and administer.
Pearl Mack, CMA
Laboratory Technician
firstname.lastname@example.com firstname.lastname@example.com
Thomas McLarney, MD, FAAFP
Medical Director
firstname.lastname@example.com MoreTom McLarney came to the Davison Health Center in August 2013 as Medical Director. Born in Waterbury and raised in nearby Wolcott, he received his undergraduate education at Fairfield University and his medical degree from Georgetown University. He completed his Family Medicine training at the US Naval Hospital in Charleston, SC. He served in the Navy from 1984 to 1992. He returned to Connecticut to become a clinical director at the Middlesex Hospital Family Medicine Residency Program. He then took a position as the Chief Medical Officer at the East Hartford Community Health Center caring for the under and uninsured. He is an assistant professor of Family Medicine at the University of Connecticut and continues to teach the residents at the Asylum Hill Family Medicine Residency Program at St Francis Hospital. He lives in Glastonbury with his wife Pat with whom he enjoys cycling and kayaking. They have 2 children: Kate who lives in Honduras and is expecting her first child in September and Jim who lives in the Boston area with his wife Sarah.
Rosemary Murphy, BSN, RN
Registered Nurse
firstname.lastname@example.com More
Rhonda Radcliff
Medical Office Manager
email@example.com More
Tina Velasquez-Lange
email@example.com More
Receptionist/Office Support staff for Davison Health Center and Counseling and Psychological Services
Joyce Walter, MS, CHES
firstname.lastname@example.com More
Student Health Advisory Committee (SHAC)
SHAC Membership/Contact InformationRead MoreStudents who would like to participate in SHAC or provide members with thoughts on health and wellness at Wes should contact the SHAC co-chairs at email@example.com. Please feel free to call Joyce Walter, Health Center Director if you need additional information at 860-685-2656. To apply for membership, complete the application form and submit to Joyce Walter, 327 High Street, or attach to email and send to firstname.lastname@example.com
SHAC MissionRead MoreWesleyan University's Davison Health Center offices seek to provide optimal health care to all students. The needs and opinions of the students we serve are an integral component of our continuous efforts at improvement. To this end, the Student Health Advisory Committee will play a central role in collecting and interpreting student feedback and converting it into meaningful change with regard to the form and function of the Davison Health Center offices which include Health Services, Counseling and Psychological Services and WesWell.
SHAC GoalsRead More
actively participate in the publicity and marketing of the three health offices to all students at Wesleyan
facilitate student feedback
act as consumer representatives in an advocacy role for quality student health care from the three health offices at Wesleyan


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BBB Accredited Business since
Canton Well Drilling, LLC
Phone: (860) 379-2460 Fax: (860) 379-2461 61 River Rd, Pleasant Vly, CT 06063 http://cantonwelldrilling.com/
BBB Business Reviews may not be reproduced for sales or promotional purposes.
Canton Well Drilling, LLC offers geo thermo well installation, water well drilling, pump installation and service.
Request a Quote
BBB Accreditation
A BBB Accredited Business since
BBB has determined that Canton Well Drilling, LLC meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.
BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.
Reason for Rating
BBB rating is based on 13 factors. Get the details about the factors considered.
Customer Complaints Summary
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Read Customer Reviews | Submit a Customer Review | See Trends in Customer Reviews on Canton Well Drilling, LLC
Additional Information
Licensing, Bonding or Registration
This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.
These agencies may include:
Department of Consumer Protection
165 Capitol Ave, Hartford CT 06106
Phone Number: (860) 713-6300
Type of Entity
Limited Liability Company (LLC)
Business ManagementMr. R. Lincoln Brucker, Member
Contact Information
Business Category
Water Well Drilling & Service Pumps - Service & Repair Pumps - Supplies & Parts Water and Sewer Line and Related Structures Construction (NAICS: 237110)


text: You guys are great! The encouragement and feedback has been a real blessing. I have another question. Do you think it's appropriate to call other lawn care pros to find out what they charge, so I can get an idea of what is a reasonable price to charge? Appreciate the input.


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A handy portable tool for extracting arrowheads from trees, logs and stumps. Accepts any 8/32 threaded point.
Great for warmer weather hunts. Fits like a second layer of skin and will not get in the way of drawing your bow or anchoring. Wicks moisture away from skin for comfort in cold and warm weather.
Mini version of the String server is perfect for travel, quick fixes, or anytime space is at a premium. Compact design eliminates the need for a cable spreader and also works well with short brace height bows. Winged design fits fingers perfectly for a secure grip and greater control. Specifically designed to make refilling bobbins easy. Fully adjustable tension.
High modulus carbon stabilizer designed to keep your pin steady while reducing vibration. Features internal Harmonic Dampener and stabilizer de-resonator. Includes three removable weights to customize your setup - (2) 4 oz., (1) 2 oz.
Cocking sled for Bear X crossbows with Forward Facing Limb design.


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Rural campsite: Klosterheden - Egely - Struer
Rural campsite: Klosterheden - Egely - Struer
Primitive site Egely
Primitive site in the woods. No drinking water. Access for dogs on leash. Area for horses.
Book online: http://www.skovognatur.dk/Ud/Adgang/Booklejrplads/
Do you have any questions please call on ph. no. +45 7254 3000.
From Fousing please follow Fousingvej in the western direction. At the outskirts of the woods turn left into Gudumhusvej. The site can be found after 1.5 km.
7600 Struer


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About the School Banking program
School Banking is a fun, interactive and engaging way for young Australians to learn about money and develop good savings habits.
Run through participating primary schools nationally, children who deposit money into their Youthsaver account through School Banking earn Dollarmites tokens which they can redeem for exciting rewards.
It's also a great fundraising activity, with participating schools receiving 5% of every individual deposit made at school (up to $10), along with other benefits.
About the Rewards Program
To help reward individual savings efforts, every time a student deposits into their Youthsaver account through School Banking, regardless of the amount, they'll receive a Dollarmites token.
Once they've collected 10 tokens, they can redeem them for a variety of exciting reward items. They'll also receive a certificate when they reach certain savings milestones.
These fun rewards are a great way to keep children motivated and demonstrate the value of saving:
- Flying Snake Tail – Out of stock
- Wildlife Writer Set – Out of stock
- Mud Splat Handball – Out of stock
- Outback Pat Bag Tag – Now available to order
- Backtrack Eraser Pen – Now available to order
- Jump and Skip Rope – Now available to order
- Bush Fly Fan – Now available to order
- Wriggly Glow Worm – Now available to order
Get your child started with School Banking
If your child's school is already involved, all you'll need to do is open a Youthsaver account for your child (or they can can use their existing one). Here are three ways to open a Youthsaver account.
Apply in a branch
Visit your closest branch. You'll need to bring your child's birth certificate when you visit your closest branch.Find a branch
Apply at school
Complete and return this form to your child's school.Youthsaver account application (PDF)
Congratulations to the Outback Savers competition winner
Congratulations to C. Bird from All Saints Primary School (Albany Creek, QLD), who is the lucky winner of the 2016 School Banking Outback Savers competition and has won a family trip to meet the Irwins at Australia Zoo.
Well done to the thousands of School Bankers who qualified for the competition by making 15 or more School Banking deposits during Terms 1 to 3 this year. Please keep an eye out on an equally exciting competition as part of next year's School Banking program.
Full day Platinum Zoo Adventure Tour at Australia Zoo, Qld where you'll:
- Travel around the zoo in style with your own personal zoo guide
- Get up close with the animals
- Meet Bindi and Robert Irwin on part of your tour
- Enjoy morning tea, lunch and afternoon tea while watching crocodiles and koalas in the open-air Feeding Frenzy Food Court
- Have your own personal photographer to capture every moment with Bindi, Robert and the animals.
Return domestic flights to Brisbane or Sunshine Coast, Qld (airport destination subject to flight availability)
4 nights' accommodation at the Oaks Oasis, Sunshine Coast in a two bedroom villa with breakfast included
5 days' car hire
$1,000 spending moneyView full competition terms and conditions
Related initiatives
The Beanstalk
A one-stop resource that helps you bring money to life for children. Browse tips and advice and download fun activities such as colouring-in sheets, puzzles and budget and chore trackers.Visit the Beanstalk
Designed for children under 12 years of age, Dollarmites makes money fun with rewards for saving, interactive games, downloads and tips to help children save for the things they want sooner.Explore Dollarmites
StartSmart is Australia's leading financial education program for students. Our StartSmart workshops make learning about money fun and give students the confidence to make smart decisions about money from a young age.Learn more


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Airport-area hotel to become assisted living center
A hotel near Mitchell International Airport will be converted into an assisted living center by its new owner.
The 96-room Milwaukee Airport Inn, 1716 W. Layton Ave., was sold for $1.8 million to Value Hospitality Inc., according to state real estate records. The seller was Kay Hospitality LLC, led by Karan K. Kohli.
Value Hospitality will operate the hotel and its Spring Gardens restaurant this summer but plans to shut down the business this fall for the conversion project, said Value owner Prabhu Kasthurirangaian.
An 88-bed assisted living center, Renaissance Villa, is scheduled to open in May 2015, he said Monday. The conversion, which will include new common areas and occupational therapy space, will cost over $3 million, Kasthurirangaian said.
Value Hospitality, which operates the Days Inn & Suites, 1840 N. 6th St., initially planned to operate the two-story Layton Ave. property as a hotel, Kasthurirangaian said. But he concluded there is an excess of economy-priced hotel rooms near the airport.
Sheboygan bank to help
The conversion will be financed through Sheboygan-based Community Bank & Trust Co., Kasthurirangaian said.
That same lender financed the $6 million conversion of a former nursing home into the Days Inn, which opened in 2009.
The Milwaukee Airport Inn was built in 1970, according to city assessment records. It operated as a Howard Johnson Inn until it was sold in 2010 to Kay Hospitality.
Facebook: facebook.com/JSBusiness
Twitter: twitter.com/TomDaykin
Business Wire
Recent national business updates from the Associated Press


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i just checked this today and for some reason the weather icons for Tokyo are all "cartoony" compared to the rest of the icons for the rest of the world. has anybody else noticed this???
ya, i thought it was because it was really hot there at first, but the temps were normal. i guess the developers in japan are homers.
Join the Buy BWii Campaign and Buy BWii!
Spoiler Alert!
Midna is the Twilight Princess.


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1160 E Yorba Linda Blvd, Placentia CA 92870
| email@example.com
(714) 993-9671
About Us
About Lyna
Hair, Nails & Threading Stations Available , Part / Full Time Rental. Call Now
(714) 993-9671
The mission of Blush is to inspire you to embrace your own definition of beauty.
We dare you to "Be You," and free you to feel, look and act uniquely your own. Our passion is in offering beauty services that help you look your best while fascinating your mind and pleasuring your senses.
Blush Beauty Salon
Placentia, CA
, we value the beauty found in the kindness of a smile, the warmth of an embrace and the intimacy of a conversation. You will see our values in action as we:
Celebrate your right to be inspired, pampered and indulged
Bring out your physical beauty to reflect your inner beauty
Listen to you and your evolving definition of beauty
Support our community by building up the self confidence of women
Develop our staff so their can achieve their best
Offer the most innovative beauty services at affordable rates in a relaxed environment so beauty is assessable


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Fallout 3: Broken Steel
Fallout 3: Broken Steel is the third downloadable expansion for Fallout 3. Players join the ranks of the Brotherhood of Steel and vanquish the Enclave remnants from the Capital Wasteland. Broken Steel will take allow players to adventure past the main story quest. Available for download in March 2009
Latest Features for Fallout 3: Broken Steel
Why Is the Apocalypse So Darn Fun?
How the end of the world keeps us coming back for more.December 04, 2012 0 19
BioWare vs. Bethesda: The Battle of the RPG Titans
We pit these legendary developers against each other in the ultimate Battle of the Time-Wasters.December 21, 2011 0 196
How to Survive the Fallout Apocalypse
Reality Check: How real are your walks through the wastes?June 29, 2011 0 88
Fallout 3 Afterthoughts
Fallout 3's Lead Designer on topics such as the ending, his favorite companion, and who his character is modelled after.December 23, 2008 1 67
More RPG Games


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Welcome To The Executive Dictatorship
The Constitution is dead. Long live the executive dictatorship.
There is almost nothing the president of the United States cannot do. This week, we found out President Barack Obama's IRS not only targeted conservative nonprofit applicants with impunity but then destroyed the emails that could have illuminated the process behind such targeting. Meanwhile, the attorney general — the executive officer charged with fighting government criminality — continues to stonewall an independent prosecutor, maintaining along with his boss that there is not a "smidgen of corruption" in the IRS.
On the southern border, Immigration and Customs Enforcement has been converted from a policing agency to a humanitarian-aid agency, as the Obama administration encourages thousands of unaccompanied minors to flood Texas and Arizona. Those illegal immigrants are being shuttled around the southwest and released into the general population, and told by activists that they are just months away from amnesty.
Across the seas, Obama is unilaterally destroying America's anti-terror infrastructure. Iraq has become the preserve of the al-Qaida offshoot ISIS and the Iranian-connected Shiite government — the specific outcome the United States originally wanted to avoid in the country. Afghanistan will soon devolve back into a Taliban-led cesspool for terror. And the Obama administration continues to fund a Palestinian government that includes terrorist groups Hamas and Islamic Jihad, and that has now kidnapped an American citizen, along with two other Israeli boys.
Nobody in the executive branch has been punished for Benghazi, Libya, Fast and Furious, serious national security leaks to major news outlets, violations of civil rights by the National Security Agency or any other major scandal. The Obama administration has seized authority to regulate health care, carbon emissions and labor relations in unforeseen ways.
And no one will stop the executive branch. Impeachment will not solve the problem of a 3 million-strong regulatory branch in which accountability is a fantasy. The legislature has no interest in stopping the growth of the executive, given that legislators seek re-election by avoiding responsibility, and granting more power to the executive avoids such responsibility. And the judiciary seems unwilling to hem in the executive branch at all, given its decisions on the Environmental Protection Agency and Obamacare.
So what's left? An elected tyranny in which the whims of the president and all of his men decide the fate of millions. The founders would have fought such a government with every fiber of their being — and, in fact, they did fight such a government. The question now is whether state governments, elected officials and the people themselves will be willing to take the measures necessary to do the same.
Ben Shapiro, 30, is a graduate of UCLA and Harvard Law School, a radio host on KTTH 770 Seattle and KRLA 870 Los Angeles, Editor-in-Chief of TruthRevolt.org, and Senior Editor-at-Large of Breitbart News. He is the New York Times bestselling author of "Bullies." His latest book, "The People vs. Barack Obama: The Criminal Case Against the Obama Administration," will be released on June 10. He lives with his wife and daughter in Los Angeles.
Also See,
How Fatherhood Made Me a Better Person
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Even though my father, brother, uncles and grandfather were in the military, I seldom handled guns growing up. That's because unlike many of the other people in my family, I've...Read More
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text:
Easy Peach Pie Recipe
- 6 medium ripe peaches, peeled and sliced
- 1 unbaked deep-dish pastry shell (9 inches)
- 1/2 cup sugar
- 3 tablespoons all-purpose flour
- 1/4 teaspoon salt
- 3/4 cup heavy whipping cream
- 1. Arrange peaches in the pastry shell. In a small bowl, combine sugar, flour and salt; stir in cream until smooth. Pour over peaches.
- 2. Bake at 400° for 40-45 minutes or until filling is almost set. Serve warm or cold. Refrigerate leftovers. Yield: 6-8 servings.
Nutritional Facts
1 piece: 258 calories, 13g fat (6g saturated fat), 31mg cholesterol, 162mg sodium, 35g carbohydrate (19g sugars, 2g fiber), 2g protein.
Reviews for Easy Peach Pie
"This recipe was so easy and so delicious. I thought it showcased the peaches beautifully, allowing their natural sweetness to shine. It's simple in comparison to other heavily spiced recipes."
"Absolutely will be using this recipe again! Everyone loved this pie! Great with a scoop of Vanilla Bean ice cream:)"
"Easy and GOOD...you don't find that combination a lot...you have to try this one...apc"
"So easy to make and so good. I never bring leftovers home when I take it anywhere."
"This is a great recipe! We use these exact ingredients for pear pie. Just subsitute the peaches for canned pears (2 cans) and arrange them in a pie plate. The recipe has been in our family for years. I bet it's fantastic with peaches. Never thought of using them. Thank you so much for sharing!"
"Really good and is easy to make. Have made it several times. LOVE it warmed up with vanilla icecream."


text:
VoIP with FreeSWITCH
Outside the Local Switch
One advantage of VoIP is that you can make free or very low cost phone calls on the Internet. FreeSWITCH can route calls to and from the Internet, even if it is behind a NAT device. NAT devices cause all sorts of trouble for SIP calls; however, FreeSWITCH does a good job of working around these issues.
In many cases, the default configuration will work without any changes. A simple test is to call the FreeSWITCH public conference server. The SIP URI of this server is sip:email@example.com, and the default Dialplan will connect your phone if you simply dial 9888.
If your call is successful, you will hear a text-to-speech (TTS) voice announce your caller ID name or number. If you are the only person in the conference, you will also hear a recording saying so.
To call the conference with PortAudio, enter:
pa call sip:email@example.com
A number of service providers offer connection services to give you access to and from the public switched telephone network (PSTN) or simple SIP accounts. FreeSWITCH uses the concept of "gateways" to establish connections to these service providers. Gateways are used for outbound registrations to providers. If you already have a SIP provider, you will want to use the settings for that provider. The FreeSWITCH wiki has sample configurations for a number of providers [5]. In this example, I will show you how to set up a gateway for iptel.org, which offers free SIP accounts.
First, create an account on the iptel.org website [6] and note your username and password. Next, create a new file called iptel.org.xml in $CONF/sip_profiles/external. Be sure to put your username and password in the appropriate fields. The file should look like Listing 2.
Listing 2
Setting Up a Gateway for a SIP Account
01 <include> 02 <gateway name="iptel"> <!-- used in dialstrings --> 03 <param name="username" value="YOUR_USERNAME_HERE"/> 04 <param name="realm" value="iptel.org"/> 05 <param name="password" value="YOUR_PASSWORD_HERE"/> 06 <param name="proxy" value="sip.iptel.org"/> 07 </gateway> 08 </include>
Now save the file, then at the Free-SWITCH prompt, issue the command:
sofia profile external restart reloadxml
"Sofia" is the name of the SIP library [7] used by FreeSWITCH and is also the name of the command to perform SIP-related functions. (Just type sofia to see the syntax.) The above command tells FreeSWITCH to restart the external profile after reloading the XML data. The reloadxml is optional; however, if you've made changes to the XML data (by creating or editing a file), you will want those changes loaded when restarting the profile.
To see whether your system registered with iptel.org, issue the command:
sofia status
If your registration was successful, you will see a line like the following:
iptel gateway sip:email@example.com REGED
The REGED state means that the gateway is successfully registered to the provider. If you see FAIL_WAIT, then most likely you have a configuration problem.
The last step to receiving calls is to allow incoming calls in the Dialplan. The default configuration has a "public" Dialplan context that treats incoming calls from the Internet as inherently untrusted.
First you need to allow calls to your new iptel.org user, then you need to specify where to route those calls. To do so, create a new file called $CONF/dialplan/public/00_inbound_iptel.xml (or make a copy of the example file named 00_inbound_did.xml). It should look like Listing 3.
Listing 3
01 <include> 02 <extension name="iptel-inbound"> 03 <condition field="destination_number" expression="^(YOUR_IPTEL.ORG_USERNAME)$"> 04 <action application="set" data="domain_name=$${domain}"/> 05 <action application="transfer" data="9999 XML default"/> 06 </condition> 07 </extension> 08 </include>
Be sure to specify your iptel.org username in the regular expression. Your username is the destination number. (Destination numbers are not restricted to numeric characters.)
The call is routed to the extension specified in parameters that are fed to the transfer application.
In my case, I routed to the MOH extension for the sake of testing. Also, you can route to your SIP phone. If you are registered as 1000, then the transfer destination is 1000 XML default. Save the file and then go to the FreeSWITCH prompt and press F6 (or type reloadxml) at the FreeSWITCH prompt.
To receive a call on your new account, you will need someone to make a SIP call to your new iptel.org SIP URI. In a pinch, you can test with PortAudio. At the FreeSWITCH prompt type:
pa call sip:email@example.com
A successful call will ring the destination extension.
High-Quality Codecs
Traditional telephone calls are of marginal sound quality and mobile phone calls are worse. FreeSWITCH delivers high-quality, voice-quality calls with free and open source codecs. The CELT [8] open source codec is high quality and lossless.
Also included with FreeSWITCH are the Siren [9] codecs from Polycom. These high-quality codecs are closed source but royalty free. The default configuration loads the Siren codecs.
To load the CELT codec, issue the load mod_celt command.
One thing to keep in mind is that higher quality codecs could expose limitations in your headset equipment. Most newer headsets and those that are listed as "Skype certified" will generally perform well with the higher quality codecs. Personally, I use a Logitech Clear Chat Pro USB headset with good success.
For testing, I recommend making a call to a friend who also has Free-SWITCH installed.
To start, make a PSTN or mobile phone call, then hang up and immediately make a call with a high-quality codec. With the use of PortAudio, it is easy to test. First, edit $CONF/autoload_configs/portaudio.xml. Locate the line <param name="sample-rate" value ="8000"/>, change the value to 48000, and save the file.
At the FreeSWITCH prompt issue these commands:
reloadxml reload mod_portaudio
Now make a call to your friend or call the FreeSWITCH conference:
pa call 9888
The audio quality should be much better, especially if you have a fast Internet connection. FreeSWITCH conferences can mix calls of any codec and any sampling rate. In fact, you can call in to the Free-SWITCH conference via the PSTN by dialing +1-213-799-1400 and compare the difference between the high-quality VoIP codecs and the low quality of the PSTN.
Where to Go Next
This brief introduction to FreeSWITCH barely scratches the surface of what this open source software can do. One way to put FreeSWITCH to practical use is presented by IBM's Rob Smart, who wrote a tutorial called "Home VOIP system using FreeSwitch and a Linksys 3102 voice gateway" [10] on how to set up FreeSWITCH as a home communications server in the UK.
A vibrant and growing community offers support to newcomers and veterans alike, so join this community and continue learning about the amazing possibilities of VoIP.
- "How does FreeSWITCH compare to Asterisk?" http://www.freeswitch.org/node/117
- FreeSWITCH website: http://www.freeswitch.org
- FreeSWITCH downloads: http://files.freeswitch.org/
- X-Lite: http://www.counterpath.com/x-lite.html
- FreeSWITCH wiki: http://wiki.freeswitch.org/wiki/SIP_Provider_Examples
- iptel.org website: http://www.iptel.org
- Sofia-SIP library: http://sofia-sip.sourceforge.net
- CELT codec: http://www.celt-codec.org
- Siren codecs: http://www.polycom.com/company/about_us/technology/siren_g7221/index.html
- FreeSWITCH tutorial: http://robsmart.co.uk/2009/06/02/freeswitch_linksys3102
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Jonathan Peterson
Company name: Jonathan Peterson Company URL: http://www.ctsmobilesoft.com/CTS/NFL_Calulators.html
Number software: 61
Below is the list of software belong to Jonathan Peterson
Jonathan Peterson Software
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Momentum BMW Mini-Body Shop
Featured Business
Excel Automotive Technology5621 Schumacher Lane
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10/22/2016 - "Jay and company has earned my trust of a number of years. They always do a good job. "
"I was told some erroneous information by a parts store when I had the check engine codes pulled."
Review for Momentum BMW Mini-Body Shop
Okwha B. on 04/13/2015
Okwha said they had great customer service.
Category: Collision
Service Date: 04/08/2015
Review Created: 04/13/2015
This review was collected via phone interview by Customer Research Inc.


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A radio journalist was abducted and tortured by police last week in Djibouti, Africa. Farah Abadid Hildid of radio station La Voix de Djibouti, was forced into a car by one uniformed police officer and one plain clothed officer on Thursday morning. The journalist was blindfolded and taken to a cell, where he was


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Philip Rivers versus Peyton Manning could prove to be one of the best quarterback duels we will see this season. Manning is routinely one of the best QB's in the game, but this year, Rivers has stated his case for best signal-caller in the NFL.
Both teams have been bit hard by the injury bug this year, especially in the backfield. With that being said, it hasn't halted these pass oriented offenses from putting points on the board. If you are a fan of defense, tonight's game won't be for you as a flurry of points can be expected.
I've decided to channel my inner Nostradamus and come up with six predictions for tonight's tilt in a game that has the potential to be one of the best of the season.


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Morgan garnering interest from big-time schools
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Eczema Antibiotics
A selection of articles related to eczema antibiotics.
Original articles from our library related to the Eczema Antibiotics. See Table of Contents for further available material (downloadable resources) on Eczema Antibiotics.
- Safety With Herbs in Healing and Magick
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- Description of the Bach Remedies
- Bach Flower Remedies 1. AGRIMONY (Agrimonia eupatoria) - problems hidden behind light-heartedness - This is the "Keep-smiling!" - remedy: it is for people who hide their fears, grief and worries under a mask of cheerfulness, friendliness and humor....
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- Holy Oak
- The majesty of the Oak has been recognized by many cultures. The Celts, the Germanic and Nordic tribes, and the ancient Greeks all attributed this tree to their main god. To them the Oak represented power, protection and durability. The fiery Oak has strong...
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- Introduction: The countermeasures given in these short articles are extremely basic. They only contain the bare bones of what is necessary to use them. To understand the principles behind these countermeasures, please get a copy of 'Practical Psychic Self-Defe...
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- This rune, the fifth rune of the third aett and twenty-first of the Elder Futhark, has two names. Kenaz/Kaunaz is the other rune with two names. Laguz is the best-known name of today's rune. It means "lake." Laukaz is the alternative name and means "leek," a...
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Eczema Antibiotics is described in multiple online sources, as addition to our editors' articles, see section below for printable documents, Eczema Antibiotics books and related discussion.
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- A randomised placebo-controlled trial of oral and topical antibiotics for children with clinically infected eczema in the community: the ChildRen with Eczema, Antibiotic Management (CREAM) study. Health Technology Assessment 2016;20(19). doi: 10.
- Eczema-like inflammation caused by staph bacteria (staphylococcus aureus
- Some eczema patients have noted relief of eczema symptoms from antibiotics. However, antibiotics have drawbacks as a long-term therapy. Senior author Gabriel Nunez said, "We know that 90 percent of patients with atopic dermatitis, also called eczema, ...
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text:
The Boston Red Sox hold a commanding 2-0 series lead over the American League East rival Tampa Bay Rays in the ALDS.
Although the Red Sox have to go on the road for the first time in the series on Monday, they will find a way to close it out with a sweep at Tropicana Field in Game 3.
Rays manager Joe Maddon threw two of his best pitchers at Boston in Matt Moore and 2012 AL Cy Young Award winner David Price in Games 1 and 2, and both of them were lit up for seven earned runs apiece.
FOX Sports' Ken Rosenthal points out the disparity between the two teams' offenses thus far:
All you need to know: #Red Sox through two games: .352/.413/.577 - a .990 OPS. #Rays through two games: .208/.294/.354 - a .648 OPS.— Ken Rosenthal (@Ken_Rosenthal) October 7, 2013
Against Price, the Red Sox were especially locked in early in what turned out to be a decisive 7-4 victory:
The Red Sox have only two missed swings on the first 57 pitches from David Price.— Buster Olney (@Buster_ESPN) October 5, 2013
What will be the outcome of the series?
There isn't much optimism for Rays fans to draw from moving forward, either. In four starts against the Red Sox in 2013, Tampa's Game 3 starter, Alex Cobb, posted a 0-1 record with a 5.16 ERA—and that was without yielding any home runs.
The amount of contact Boston's lineup was able to consistently get off of Cobb is discouraging for the Rays' outlook with their postseason hopes on the line.
Then again, the AL pennant winners did have the highest on-base and slugging percentage, scored the most runs and have the No. 2 team batting average in the MLB in the regular season. So this wasn't an unpredictable development.
Cobb's counterpart on Monday, Clay Buchhholz, has dropped just one decision all season in posting a 12-1 record with a ridiculous 1.74 ERA.
When Buchholz returned from a right bursa sac strain on Sept. 10 after an extended absence, he blanked the Rays with five shutout innings and six strikeouts in the Red Sox' 2-0 road win.
For whatever reason, The Trop has been kind to Buchholz over the years:
Clay Buchholz has a career 2.26 ERA at Tropicana Field. Opposing batters have a .189 average and .533 OPS.— Tony Massarotti (@TonyMassarotti) October 7, 2013
It's also worth noting that the Rays, who struggle to get steady offense as it is, haven't gotten enough production out of three marquee contributors.
John Buccigross of ESPN illustrates this point well in noting that Evan Longoria, Wil Myers and Ben Zobrist have gone 2-for-20 in the series:
Red Sox: scored 19 runs on 25 hits in 16 offensive innings.. Wil Myers, Ben Zobrist, Evan Longoria (TB): 2-20, 6 K combined in series— John Buccigross (@Buccigross) October 6, 2013
That isn't a winning formula and, as resilient as the Rays were just to get to the ALDS, it will take a far better performance from that trio to have any chance at extending their season to another game.
Between how prolific the Red Sox have continued to be at the dish and Buchholz's sustained success at this stadium, there is little chance for the Rays to avoid the sweep.
Prediction: Red Sox 6, Rays 3


text:
Commission calls for single electoral law
Topics: Administrative and public law,Government & politics
Lawyers sitting up for the count in the 2020 general election will be spared the ritual of explaining why it is always the acting returning officer who announces the number of votes cast, if proposals published by the Law Commission today become reality.
In a wide-ranging call for rationalisation of electoral law, the commission describes the divide between the largely ceremonial role of returning officer and the 'administratively very significant' role of the acting officer as 'redundant and confusing'.
Rather, it proposes that the returning officer should be responsible for running the election.
The measure would appear in a single piece of legislation to replace 'complex, voluminous and fragmented' statutes covering different types of elections. This would include a single set of electoral offences, set out in primary legislation, applying to all UK elections.
Following a consultation, an interim report on reform was published by the Law Commission in collaboration its sister bodies in Scotland and Northern Ireland. Among other things, the proposed reforms would also:
- Modernise the process for challenging elections, making it easier for parties to understand and use. Judges would be given the power, 'in appropriate cases', to limit the potential costs for challengers;
- Require electors with more than one residence to designate one as their voting residence in national elections, to reduce the risk of double-voting;
- Ban the unauthorised taking of photographs in polling stations to preserve ballot secrecy;
- Ensure that the UK's tradition of 'qualified secrecy' - involving numbered papers that can be traced to investigate fraud - 'clearly and demonstrably' complies with the European Convention on Human Rights;
- Require online election material to carry an identifying imprint as currently required for printed leaflets.
However the report shies away from recommending a ban on campaign workers handling postal votes, saying that 'regulation would criminalise helpful and otherwise unavailable assistance for those voters who need it'. The report notes that Eric Pickles MP has been tasked with investigating the issue of electoral fraud.
In another decision likely to provoke controversy, the commission does not propose creating an offence of 'threatening spiritual injury', proposing instead that the current offence of undue influence be restated as offences of intimidation, deception and improper pressure.
The interim report on UK electoral law is based on 'unanimous or near unanimous' backing to proposals announced for consultations. They are timed to enable a draft bill to be introduced in 2017 and come into force by the general election due in May 2020, the commission said.
However it will await the go-ahead of the governments of England and Wales, Scotland and Northern Ireland before submitting final proposals and draft legislation.
Readers' comments (5)
And still, apparently, no recommendation of online voting for registered overseas electors, who currently have to make use of postal voting (assuming that few wish to use proxies and thus lose effective control of their votes). If they are lucky (the luck level diminishes in line with the elector's distance from the UK), they may get their ballot paper before the polls close. Few, it seems, receive them in time to complete them and post them back to the returning officer in time sufficient for them to be delivered before the polls close. Even if one lives in an EU country, it's 'hit-and-miss'. If you live in some far flung place, possibly weeks' postal distance from the UK, effectively you are disenfranchised. It's really ironic. In an age in which it's considered safe - or, at least, acceptably risky - to conduct major financial transactions online, presumably the powers that be consider it unsafe to permit voting online. Has anyone told them the century in which now we are living?
When we lived in Australia the postal vote took 7 days to reach us, but as the law stands voting papers are sent out on the evening of the 10th day of the Vote.
Now taking seven days out how on earth logically can that ballot paper ever get back in time to count ?
The French are allowed to vote at their embassies abroad , so why are we still in the Dark ages ?
' ..... so why are we still in the Dark ages ?'
Because registered overseas voters are a minority that:
- generally doesn't tip the balance at elections; and
- doesn't shout loudly about the discrimination of it; and
- is not ethnic.
Maybe if a member of this minority were to challenge the existing legislation as being discriminatory to it and a deprivation of its human rights, and go to Strasbourg if necessary, someone in Westminster might sit up and pay attention rathan than yawning and saying 'next one, please'!
Hi Anonymous 5 February what is a minority - I don't accept that some 570,000 British citizens and many still UK taxpayers are a minority .
Obviously you have forgotten your history and why the US fought us in the war of Independence- namely the same reason as the overseas votes - TAXATION WITHOUT REPRESENTATION !
Regarding the case before the Strasbourg it was Carson v regina.
But then the evidence produced by the UK Government was, to put it nicely mendacious. #
But then you are well aware of the lies and untruths emanating from those who should know better within the present cockup in the legal aid and courts fees ?
Have your say
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Joomla Rocketthemes Expert Needed For Responsive Design
This project received 20 bids from talented freelancers with an average bid price of $20 USD / hour.Get free quotes for a project like this
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Project Description
Joomla! Master needed, working within the gantry framework.
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I need to make the mosaic in the middle responsive. I have a custom HTML article being used where the testimonials are that has a small slider script where it switches out images. This block does not look good on the iphone, it cuts off. So I need the testimonials to either be responsive or not show at all. Whichever is easiest.
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