text:
Not a day for thunderApril 18,2013It sounded like thunder, improbable in retrospect on what was such a spotless New England spring day.
But other explanations for the single burst of noise that briefly rattled the Boston Marathon media center at the Fairmont Copley Plaza hotel were plausible enough that fear of the worst was momentarily fleeting: That sounded like a bomb, I thought. Then, having filed my story on the elite race winners, I went to get a cup of coffee. It was 2:52 p.m.
I was two steps out of the ballroom that serves as the media nerve center when I ran into colleague Eric Wilbur. He had just been out on Boylston Street, talking to finishers for his assignment. Blood was absent from his face.
Did you hear that? That was a bomb, he said. Two of them. Seconds apart. This is serious [expletive]. Its chaos.
I ran back to my station to collect my phone and notepad, but it was already too late.
We were immediately put in lockdown. No one was allowed to leave the hotel. National Guardsmen soon took posts at the doors.
But those on the outside reporters, volunteers, runners and their families and friends entered in search of shelter from the scene, gradually filling the long hallways.
On a couch in the lobby, Joan Benoit Samuelson, who just a little more than an hour before had achieved her goal of finishing the race in 2 hours and 50 minutes, sat on a couch as a friend consoled her. Im shaken but OK, she said. I just hope everyone outside is.
The gravity of the situation became apparent from the fear on the faces of those who had come in from outside and the gruesome stories they brought with them.
A colleague who had been no more than 20 yards from the first explosion arrived in the media center, tears welling in his eyes as he spoke of witnessing a man lose a leg at the knee.
A volunteer said lanyards were being used by first responders as tourniquets.
The horrific anecdotes were soon accompanied by numbers. Two deaths. At least 28 injured. A strange incident at the JFK Library, and reports of other suspicious devices around the city.
Context may be within reach today for some, but damned if I can find it. We dont know who did this. We dont know if it was a sinister mastermind or a random lunatic.
We dont know if were safe, or if there is more to come. We dont know.
What we do know is that he or she or they knew preciselywhat they were doing, their act of terror timed for significant chaos and casualties.
We do know that Patriots Day will forever be accompanied by solemnity and sadness, a reminder that this happened in our city, on our uniquely Boston day.
And know this: That every clap of thunder will now bring unease and fear, leaving us to quickly pray and plead that were not about to underestimate the devastation just outside the door.
Chad Finn is a writer for Boston.com.MORE IN CommentarySure, you can buy your uncle a necktie that he wont wear, or your niece an Amazon certificate... Full StoryA lot of serious long-term national issues simply werent addressed in the recent national election. Full StoryI have written on the anomaly of the separation of the private and public sectors in our society,... Full Story
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Hurry Spring!
Or I may go insane.
As of 3 pm today, this was the view behind my house:
The snow is still falling fast and furious, and is expected to continue into tonight.
I am not a snow person. For a few delusional years in my early twenties, I tried to convince myself it wasn't so bad. But I came to my senses, and realized that life is better with palm trees.
I am trying to console myself with the fact that in a mere 29 days, hubby and I will be on our way to sunny Clearwater, Florida for a week of Spring Training.
I just have to survive these white flakes of pure evil first.
***UPDATE: The Morning After***
Well, this is what it looks like this morning. Here is my patio:
and this is my deck:
At least it is nice and sunny today so some of it will melt off the roof and driveway.
The Phillies' equipment truck was scheduled to leave today for Florida. I haven't seen if it actually got on the road or not. Wish I could stow away inside.
Only 28 days now. *sigh*
17 Comments
Oh my lord Sue! It looks beautiful so you can cuddle inside with a hot apple cider .
It doesn't look like it in your picture, but Spring is around the corner. Very soon you will be at Clearwater cooling off with a cold drink.
Emma, believe me, I am counting the days!
Oh Sue! Those pictures that you are added are wonderful! I have never made an angel in the snow but my friends in NH said that next time I go there during Winter, I have to do that . Looking at the pictures I want to do that!
I know I'm supposed to say that snow is beautiful, and in a way it is – a winter wonderland. But there's a reason I moved to a warmer client and SNOW is it! Glad the sun came out and it's starting to melt. Clearwater is just around the corner.
Wow! Your deck looks like the 'Stay-Puft' Mashmellow Man! It is funny how Ontario, Canada has come away with very light snowfall this year, but everything directly south of us is getting hammered! Oh well, brighter days are ahead … just 28 days!
Emma – If there were a way, I would be more than happy to ship you some of my excess snow.🙂
Jane – If our kids weren't still school-age, I think my husband and I would be seriously considering doing the same. But we've got another 9 years till they're at least in college! They could always make new friends, and I'm sure the old ones would love to visit, right?
Holy jee-whiz! That's a lot of snow. We got a foot here yesterday in the Chi and that was some sort of record but y'all got dumped on big time. Let's hope the equipment truck is able to get out okay… we need all the distractions from these blizzards we can get🙂
LOL You too huh? Being from PA…outside Philly….Hmmm doesn't like snow? That's a problem. Have fun in FLA.!
Last time I talked to you about snow, Sue, I suggested you send some to my to dump on my lawn. I think the entire NE US (from DC to Boston) could send the excess snow to Vancouver–they seem to be running short… Hmmm…
We've gotten over a foot of snow twice this year–unusual for us, also! We have also exceeded record snow totals this winter! Nowhere close to your amounts, though!
Jeremy – I'm sure people in your neck of the woods are used to this kind of snow, but we're not. The amount of snow this year has already set a seasonal record for the Philly area, and winter's not over yet – ack!
Jeff – I saw that the equipment truck did indeed get on the road, but a few hours later than planned.
BTB – Believe me, I will! Maybe I'll have so much fun I'll just decide not to come back (especially if it snows again while we're away).
Greg – Yes, if only the East Coast could send our excess snow to Vancouver! Hard to believe they are having to truck it in to some of the Olympic courses.
That snow is beautiful🙂 There's nothing like that here in San Diego though. It's probably 65-70 degrees outside right now. Yep, sunny San Diego🙂
i for one do love the snow. yes its a pain to get around and the temperatures in the teens stink, but it is beautiful to look at.
thanks for the kinds words of PNC Park. Citizens Bank is a fun place too. I just have to hit both New Yorks, Toronto, Miami and Seattle and I will have hit all 30 parks. Each year my family plan our summer vactions to hit at least 2, sometimes 5 different parks. Have done it all my life, love every minute of it and really how I got to be such a big baseball fan.
And congrats to us both! We made the front page
Wow, lots of snow!!! Glad you are surviving and that you will be going to sunny Florida. Yesterday it was about 80 degrees in Long Beach. Gorgeous.
I am not a fan of snow, epecially since I live in San Diego. As for baseball, I can't wait!!! It's so close! Also, feel free to check out my pictures from the Padres Fan Fest.
ooh snow! It was cold and rainy in Southern California but it's nice weather now. I'm so glad it is! Can't wait we're sooooooo close to spring training I can taste it!
Sue, it will be OK! Just think of baseball… baseball marks the spring, as does truck day! Spring starts on truck day!
Well Sue,
That white concoaction you spoke of got to within 200 miles of the field in Clearwater, mostly falling in the suburbs of Dothan, Alabama so far to the north of us here in chilly ( 53 degree) Clearwater, Florida.
But there is good news in the beginning of a warming trend here just in time for the guys to hit the field "officially" on Friday.
Hopefully the same will be in the air for parts of the NE and Central United States that has been ravished by white stuff this year.
I am blaming "El Nino", but it might be that some other hot place has frozen over after a certain team won the World Series….just a thought.
Rays Renegade


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Due to a resignation, the Doña Ana County Board of Commissioners is accepting applications for an open position on the Extra Territorial Zoning Commission.
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Charles L. Baker RitesJanuary 12,2013Charles L. Baker Rites
The funeral service for Charles Loren Baker, 69, who died Thursday, Jan. 3, 2013, at his home, was held Friday, Jan. 11, 2013, at the United Methodist Church of Rutland.
The Rev. Deborah Estey officiated. The organist and soloist was Ellen Wakker.
Selections were played by the handbell choir, Bells of Joy.
Vocalists were members of the United Methodist Church Choir.
A reading was given by Wallingford Fire Chief Stephane Goulet. Charles Gauthier offered the firemans prayer. The last bell service was by Robert Kilpeck.
Bearers were members of the Wallingford Volunteer Fire Department.
Honorary bearers were members and retired members of the Wallingford, Clarendon, Danby-Mt. Tabor, Proctor, Brandon, Castleton, Rutland City and Rutland Town fire departments.
A reception was held immediately following the service at the Rutland United Methodist Church Hall.
The casket was carried to the church in the Wallingford Fire Departments 1936 Garrison Fire Truck, The Old Girl.
Burial will be at a later date in the Green Hill Cemetery in Wallingford.
On Thursday evening at the Aldous Funeral Home, Charles Gauthier from the Wallingford Fire Department offered remarks and a prayer.
Memorial contributions may be made to the Wallingford Volunteer Fire Department, PO Box 280, Wallingford, VT 05773.MORE IN ObituariesCharles T. Baker
Charles T. Full StoryMarguerite Hoose
Marguerite Alice Peggy Hoose, 90, of Rutland, Vermont, died December ... Full StoryLouise S. Full Story
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Doris Eaton Travis, one of the legendary Ziegfeld Follies chorus girls, who wore elaborate costumes for the series of lavish Broadway theatrical productions in the early 1900s, died May 11 at age 106, public relations firm Boneau/Bryan-Brown said. (AP Photo/Adam Rountree, File)
Art Linkletter
Art Linkletter, the 98-year-old television and radio show host, spoke at a seminar about elderly drivers and safety Wednesday June 19, 2002, in West Des Moines, Iowa. He says older people who aren't safe drivers are often reluctant to admit it because they worry about losing their independence, but people should speak up to keep roads safe. (AP Photo/Steve Pope)
Gary Coleman
Gary Coleman, the child star of the smash 1970s TV sitcom "Diff'rent Strokes'' whose later career was marred by medical and legal problems, has died May 27 after suffering an intercranial hemorrhage. He was 42. (AP Photo/Richard Drew)
Louise Bourgeois
Artist Louise Bourgeois, whose sculptures exploring women's deepest feelings on birth, sexuality and death were highly influential on younger artists, died May 31. She was 98. (AP Photo/Guggenheim Museum, Raimon Ramis, File)
Ali-Ollie Woodson
Ali-Ollie Woodson (far right), who led the legendary Motown quintet The Temptations in the 1980s and '90s and helped restore them to their hit-making glory with songs including "Treat Her Like A Lady,'' died on May 30. He was 58. (AP Photo/Brennan Linsley, File)
Dennis Hopper
Dennis Hopper, who brought the counterculture to Hollywood with "Easy Rider'' and led a career marked by successes, failures and comebacks, died at age 74 on May 29.
Ronnie James Dio
Heavy metal icon Ronnie James Dio died of stomach cancer on May 16. He was 67.
Rue McClanahan
Rue McClanahan, the Emmy-winning actress who brought the sexually liberated Southern belle Blanche Devereaux to life on the hit TV series "The Golden Girls,'' has died. She was 76. (Photo by Mark Mainz/Getty Images)
Ernie Isley, Chris Jasper, Marvin Isley
Marvin Isley, the bass player who helped give R&B powerhouse the Isley Brothers their distinctive sound, died at a Chicago hospital on June 6. He was 56. (AP Photo/Magic Sound Productions)
Barbara Billingsley
The 94-year-old, who played June Cleaver in the 1950s-1960s television series "Leave It To Beaver," died Oct. 16 after a long illness at her home in Santa Monica, Calif. Getty Images
Bob Sheppard
Bob Sheppard, whose stylish, elegant stadium introductions of New York Yankees from Joltin' Joe to Derek Jeter spanned more than a half century and earned him the nickname "The Voice of God,'' died on July 11. He was 99. (AP Photo/Julie Jacobson, File)
Harvey Pekar
Comic book writer Harvey Pekar, whose "American Splendor'' was made into a 2003 film starring Paul Giamatti, was found dead in his home early July 12, authorities said. He was 70.
Tony Curtis
Tony Curtis shaped himself from a 1950s movie heartthrob into a respected actor, showing a determined streak that served him well in such films as "Sweet Smell of Success,'' "The Defiant Ones'' and "Some Like It Hot.'' The Oscar-nominated actor died Sept. 29 at age 85 of cardiac arrest at his home in the Las Vegas-area city of Henderson, Clark County Coroner Mike Murphy said Thursday.
Elizabeth Edwards
Elizabeth Edwards, who closely advised her husband in two bids for the presidency and advocated for health care even as her marriage publicly crumbled, died Tuesday Dec. 7 after a six-year struggle with cancer. She was 61.
George Blanda George Blanda, the seemingly ageless Hall of Fame quarterback and kicker whose 26-year career was best remembered for a remarkable run of late-game theatrics with the Oakland Raiders, died on September 27, 2010. He was 83. He scored 2,002 points in his career, a pro football record at the time of his retirement, kicking 335 field goals and 943 extra points, running for nine touchdowns and throwing for 236 more. (Photo by George Rose/Getty Images)
Gloria Stuart Gloria Stuart, the 1930s Hollywood beauty who gave up acting for 30 years and later became the oldest Academy Award acting nominee as the spunky survivor in "Titanic," died. She was 100. Stuart died in her sleep on September 26, 2010 at her Los Angeles home. (credit: LUCY NICHOLSON/AFP/Getty Images)
Kenny McKinley Denver Broncos wide receiver Kenny McKinley was found dead on September 20, 2010, from an apparent self-inflicted gunshot wound. He was found in the second floor master bedroom of his home. He was just 23. (credit: NFL Photos)
Bobby Farrell
Performer Bobby Farrell, of the 1970's European chart-topping group Boney M, was found dead in his hotel bed Thursday Dec. 30, 2010, while on tour in Russia, his agent said. He was 61. (AP Photo/Keystone, Alessandro Della Bella)
Teena Marie Teena Marie, the "Ivory Queen of Soul'' who developed a lasting legacy with her silky soul pipes and with hits like "Lovergirl,'' "Square Biz,'' and "Fire and Desire'' with mentor Rick James, died Dec. 26. She was 54.
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63-year-old in two-fatality crash is namedMarch 09,2013Local woman, 63,
named as fatality
QUECHEE A 63-year-old woman who was killed in a two-fatality crash Thursday in Quechee has been identified.
Nina Dimick of Woodstock was pronounced dead at Dartmouth-Hitchcock Medical Center in Lebanon, N.H., after a crash that also killed Corey Daniels, 38, of Hartford.
Hartford Police said Dimick was driving east on Route 4 when she crossed the center line and struck the rear wheel of a utility trailer towed by Roger Cann, 71, of Macungie, Pa.
Dimick then hit Daniels vehicle head-on, police said. Cann was not hurt in the crash, but a teenager in his vehicle was injured.
Dimick was not identified at first while police were trying to reach her family.MORE IN This Just InMONTPELIER Vermont hunting, fishing and trapping licenses for 2017 will be available Dec. Full StoryWHITE RIVER JUNCTION A Vermont National Guard member has denied a charge of sexually... Full StoryRutland City is getting $20,000 to tweak its zoning laws. Full Story
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01/12/2016A German proverb says, "Old age is like a hospital that accepts all diseases," and medicine confirms that older people are not only considerably more susceptible to infectious diseases than they were in middle age, but that body and mind are also less resilient and recover slower or not at all from adverse effects or injuries.
01/12/2016A lack of sleep among the U.S. working population is costing the economy up to 411 billion dollar a year, which is 2.28 percent of the country's GDP, a new report finds. According to researchers at the not-for-profit research organisation RAND Europe sleep deprivation leads to a higher mortality risk and lower productivity levels among the workforce.
01/12/2016Common salt – or sodium chloride – is essential as a stimulant for nerve conduction. What is more, sodium ions also regulate the water balance in the body. Yet when it came to salt consumption, for the longest time the rule was "less is more". However, a recent study publication calls this belief into question.
18/11/2016Researchers from North Carolina State University have developed an energy-efficient technique for accurately tracking a user's physical activity based on data from wearable devices.
17/11/2016Researchers reporting in PLOS Neglected Tropical Diseases have discovered individuals in Sierra Leone who showed no signs of the disease but have evidence of prior Ebola infection in their immune systems.
16/11/2016Contrary to data published by the Centers for Disease Control, ventilator-associated pneumonia rates in hospital intensive care units have not declined significantly since 2005, according to a new study out of the University of Connecticut School of Medicine.
10/11/2016Antimicrobial resistance (AMR) is a great danger and a threat – not only to an individual person, but also to modern healthcare. This year the World Health Organization (WHO) proclaims the World Antibiotic Awareness Week for the second time. With the topic "Antibiotics: Handle with care", the organization wants to call attention to the danger of AMR and to show what everybody can do against it.
02/11/2016Call systems: every hospital patient is familiar with them, but hardly anyone gives any thought to how they work. And yet they fulfill an important function because in an emergency, they "call" for help. Just think what might happen if they didn't work. That is why they are subject to stringent safety regulations. We spoke with D.Eng. Matthias Rychetsky, who is familiar with call systems.
02/11/2016World Diabetes Day is on November 14 of this year. This is reason enough to get informed about the options available in medicine on the subject of "diabetes". One area is telediabetology, a combination of telemedicine and diabetology. It is still not widespread in Germany, but that is about to change because the benefits for patients, physicians and hospitals are obvious.
24/10/2016Preoperative rehabilitation is gaining importance in medicine. It helps to prepare patients for upcoming treatments and surgeries, thereby reducing risks and complications during surgery and making faster rehabilitation possible.
12/10/2016An International Osteoporosis Foundation (IOF) report issued for World Osteoporosis Day identifies 10 major care gaps and solutions to the global healthcare crisis arising from fragility fractures.
10/10/2016The year 2016 brings about the new, eagerly anticipated Medical Device Regulation (MDR). The revision needs to now be implemented by all EU member states in the coming years after there have been ongoing deliberations and negotiations since October 2012.
10/10/2016Over 5000 patients with metastatic melanoma in Europe are denied access to new, life saving drugs every year, according to a survey presented at the ESMO 2016 Congress in Copenhagen.
04/10/2016So far, avatars could only be found in computer games. But if researchers of the EU-wide www.myhealthavatar.eu project have their way, this could soon change.
04/10/2016Digitization is on the rise and doesn't even stop with medicine. A video doctor consultation, a fitness app or a collection of data for a better cancer treatment: eHealth combines the possibilities of the internet with the demands of medicine and opens up entirely new possibilities for the medical industry.
16/09/2016This year's International Patient Safety Day takes place under the motto "Medication Safety". It is supposed to raise awareness of medication errors. Members of the health care systems will be able to present new approaches and exchange ideas with each other at events on this day.
01/08/2016Hospitals seldom operate economically and sustainably - old building structures and the intricate logistics operations involving expensive patient care are costly. To get out of the red, hospitals need to become more efficient in all areas. One way to achieve this goal leads through the Blue Hospital Concept.
01/08/2016Hospitals logistics is a very broad field and encompasses many areas – ranging from surgical planning to patient transport but also including categories such as laboratory and waste disposal. But how does this broad spectrum fare in terms of sustainability?
01/08/2016Humans leave large ecological footprints on the planet. Nevertheless, sustainability - that being resource-conserving and environmentally oriented action - is still far from being a concern everywhere. The public sector, in particular, has a difficult time with this because sustainability requires initial funding to renew and adapt processes and technology. This applies especially to hospitals.
08/07/2016Computers do not just need a common language to communicate with each other. Their conversations also need to be secure when they transfer medical data for example. Yet there are still many different systems by various providers in the health care system that are not able to properly communicate with each other. The solution is called interoperability.
22/06/2016Exercise makes you healthy – oftentimes even when you are sick. That's why doctors hardly ever recommend taking a break from it. Even patients who are about to receive a heart transplant can benefit from sports. As is so often the case, the dose makes the poison. We asked sports medicine physician Prof. Martin Halle, what people need to consider.
07/06/2016Good health is human's most precious thing. Since that applies to everyone politics concerned with health turn into an interesting, sometimes explosive subject. MEDICA-tradefair.com speaks with managers, experts and politicians about news from health politics.
01/06/2016Some hospitals have long banned the status symbol of physicians – the white coat. Research has shown that especially the sleeves were contaminated with various types of bacteria. But it's not just lab coats that can spread germs in healthcare settings. This field uses a variety of different textiles. Wouldn't it, therefore, make sense to apply antimicrobial finishes?
08/05/2016The "Act on secure digital communication and applications in the health care system" (the e-Health Act in short) took effect on December 29 last year. By the end of 2018, hospitals and medical practices will be gradually introduced to the new features of the electronic health card and telemedicine.
15/12/2015Digitization changes the working world - we all know that. While agriculture, industry and skilled trade had a nine-to-five working day in the past, networking and continuing flow of information sometimes render the nine-to-five job obsolete. The multimedia-based job involves its very own health risks.
02/11/2015Health economics is always expanding and is, therefore, one of the main pillars of the overall Germany economy. This results in a variety of economic, social and technical challenges that need to be overcome. Oftentimes however, the focus here is on sales and profit over the benefits of patients.
08/10/2015The many possibilities the Internet offers also don't shy away from laboratory medicine. The demand for biochemical or genetic tests continues to rise. Next to standard laboratory tests, a market developed in which the patient is the immediate recipient of clinical results. New distribution channels eliminate the physician as the responsible party.
22/09/2015Hospitals only achieve a high level of patient safety if the workplaces of all their employees are optimally designed. Things can become life-threatening when doctors and nursing staff have not been properly trained. Dr. Carsten Ostendorp at the Center for Industrial and Organizational Psychology in Hospitals (ZAK), spoke about this topic with MEDICA.de.
01/09/2015They can be seen everywhere: at the wrists, in the ear, clipped to the belt. Wearables are small technical assistants who are built to collect and partially also to analyze data. Some of them collect measurable health data, others "only" count their user's steps or measure the surrounding UV radiation. The fact is, however, that wearables are en vogue and are used for many different cases.
24/08/2015The term big data is complex. On one hand, it describes the amount of data itself while characterizing the technology required to collect and analyze the data on the other. The fact is big data is essential in medicine. Data-supported models not only assist in promoting medical research, they also make it easier to reach treatment decisions.
10/08/2015This year's German Krankenhaus Rating Report concludes: the probability of insolvency for German hospitals continues to increase. More than ever, the demographic change demands a more efficient health care system. This also includes the closing of several hospitals, particularly in rural areas. The scheduled Hospital Structures Act is soon said to make this decision easier.
22/07/2015Tele-ICU care with which the U.S. has already had excellent experiences is meant to also be implemented in Germany so facilities are able to provide their patients with optimal care. MEDICA-tradefair.com spoke with Prof. Thea Koch, President of the German Society for Anesthesiology and Intensive Care Medicine about this subject.
08/07/2015Electronic health records, telemedicine, cloud computing and big data: questions about data protection appear everywhere in digitized health care. Yet what do things look like far away from application at the foundations of medicine? Can patient data and personal rights in research be protected when several centers and numerous researchers participate in studies?
04/05/2015There are many decisions to be made in an adult life; among them are cancer prevention screenings. They are voluntary and many people deliberate whether they should go or not and if they would actually want to know the results. Science, politics and health care professionals also ponder with each new preventive service whether it is beneficial and who should end up paying for it.
04/05/2015Whether it is a mammogram, colonoscopy or a skin cancer screening – after a certain age, we are subject to various early cancer detection screenings. Yet many of us don't know that these screening tests are also associated with risks. This is something what Dr. Sylvia Sänger from the University Medical Center Hamburg-Eppendorf discovered in a study.
22/04/2015The Medical Devices Directive defines what constitutes a medical device. At the same time, it inspects and monitors. However, scandals in the medical technology industry keep causing uncertainty. They rekindled debate over the safety and transparency of medical devices and also triggered changes on an international level. As a result, new laws are needed more than ever.
08/04/2015They are rare, often under-researched and it is difficult to learn about them – rare diseases. Patients, family members and even physicians frequently have a hard time finding qualitative information on diagnosis and treatment options or specialized care providers. Thanks to the Central Information Portal for Rare Diseases, ZIPSE, this should soon change.
01/04/2015The doctor-patient relationship isn't always easy. On the one hand is the physician, who is responsible for helping many patients. On the other hand is the patient, who visits the doctor in the hopes of his or her problem being treatable. Things always get difficult when one of them feels that they don't see eye-to-eye. And this happens a lot.
01/04/2015Communication is the key to success when it comes to the patient-physician relationship. Compared to the past however, this relationship has changed somewhat: although physicians are still the experts, thanks to the internet and popular science, patients now also know more about health and diseases. An "informed patient" is not a problem for physicians, but rather a source of better understanding.
02/03/2015In Europe, or rather: at least between Germany and the Netherlands, the answer to this question often is not more than a subject for jokes. A current research project about strategic communication in hospitals now wants to show that and how neighbors actually are able to learn from each other when they look to the other side of the fence.
02/03/2015How should a hospital best respond to an emergency and which types of crises should it be prepared for? We spoke with Professor Ronald Glasberg at the SRH Hochschule Berlin on this subject.
22/01/2015Something we learned from nuclear power plants: since 2010, peer reviews are being conducted in German intensive care units. These voluntary peer reviews are primarily intended to improve the quality of intensive care medicine. Ultimately, it is not just the patient, but also the hospital that benefits from this.
08/01/2015Theater, choir, photography – art and culture soothe the soul. Professor Erwin Wagner of the University of Hildesheim Foundation, who founded the "KulturStation" project together with the AMEOS Clinic, is sure of this. Patients and associates of the hospital's psychiatric unit were involved in artistic activities. The goal was to improve well-being.
01/12/2014Several weeks ago on November 1, 2014, 29-year-old Brittany Maynard, who suffered from terminal brain cancer, took drugs to end her life surrounded by her family. This was preceded by months of despair and anguish, but also by love and a lust for life as the young woman describes in several videos she recorded to fight for the right to die with dignity.
01/12/2014How does a physician handle a patient, who wants to die and what rights do I actually have as a patient? Legal practitioners do not automatically answer these and other questions. We talked about this subject with MD-PhD Ralf Jox from the Institute of Ethics, History and Theory of Medicine at the Ludwig Maximilians University of Munich, Germany.
24/11/2014How do diseases of civilization develop and can they be prevented when you know triggering factors? A new National Cohort should deliver answers in the coming years. The Leipzig Research Center for Civilization Diseases is involved in this study. We spoke with Dr. Kerstin Wirkner, who is going to co-supervise the study in Leipzig.
08/09/2014You find out after surgery that the left knee was treated instead of the right one. Although such mistakes rarely happen, they can have serious consequences – both for the patient and the image of the physician and the hospital.
22/07/2014Diabetes is a lifestyle disease that could result in dangerous consequences for the individual patient and the entire society. However, you can successfully stop this disease with targeted prevention methods.
10/06/2014The German Technician Health Insurance (German: Techniker Krankenkasse) conducted a study on the Topic "Phone coaching helps seriously ill patients and saves money". We spoke with Günter van Aalst about the interesting findings.
02/06/2014When are sports healthy, how often should you engage in sports and what effect do sports have on the body – over the past few decades, there were always different answers to these questions. Many studies that were conducted in the past however confirm the assumption that sports and exercise always support health, even if someone is already sick.
22/05/2014Measuring quality in health care is not easy. Controlling it doesn't just provide challenges for the medical sector, but also for policy makers. This is why measuring and representation systems for quality in hospitals as well as improvement concepts are being developed at the IGES Institute.
08/05/2014Medicine is no occult science anymore – books and magazines, documentaries and the internet help everyone to understand the human body and its diseases. Quality is paramount in this respect, since misinformation can mislead patients. The Health Media Award offers guidance also for lay people: it honors useful and effective information services.
02/05/2014Whether in remote areas or in a large city – people everywhere need good healthcare. Thanks to mobile health, more and more people can get medical help, even in poor regions of the world.
08/04/2014Dr. Walter Kromm, Master of Public Health, is not just a general practitioner, but also a health advisor for management professionals. During his many years of practical experience, he kept realizing how important employee health is for the health of an entire company.
04/03/2014Continuing education is an integral part of the medical profession, because research continuously delivers new findings that sooner or later make their way into patient treatments. How does an event need to be organized to provide the highest level of benefit for the participants? MEDICA.de spoke with Eva Ningel, Managing Director for beta seminare bonn berlin GmbH (bsbb).
06/01/2014Even medical risk products are not always tested as thoroughly as would be necessary – be it because of criminal energy, lack of know-how or financial reasons. A revision of clinical trial procedures could not only fix loop holes and methodological flaws. Products and methods could also be brought into general medical care more quickly under new rules.
06/01/2014In the operating room, it is especially important for the used devices to be safe and tolerable to the human body. Switzerland also shares this point of view. MEDICA.de spoke with Dr. Christoph Röder from the University of Bern about approval procedures and regulations that are being pursued in Swiss operating rooms.


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Gallup asked people living in the 50 largest metro areas in the U.S. if they feel safe walking alone at night. Based on the percentage of people who felt safe, here are the cities where residents are most likely to feel safe:
Feel safest: 7 (tie). Hartford-West Hartford-East Hartford, Conn.: 75 percent felt safe
7 (tie). Portland-Vancouver-Beaverton, Oregon/Wash.: 75 percent
7 (tie). New York-North New Jersey-Long Island, N.Y./N.J./Pa.: 75 percent
7 (tie). Cincinnati-Middletown, Ohio/Ky./Ind.: 75 percent
7 (tie). Indianapolis-Carmel, Ind.: 75 percent
7 (tie). Pittsburgh, Pa.: 75 percent
4 (tie). Austin-Round Rock, Texas: 77 percent
4 (tie). Salt Lake City, Utah: 77 percent
4 (tie). Boston-Cambridge-Quincy, Mass./N.H.: 77 percent
2 (tie). Raleigh-Cary, N.C.: 78 percent
2 (tie). Denver-Aurora, Colo.: 78 percent
1. Minneapolis-Saint Paul-Bloomington, Minn./Wis.: 80 percent
And now, here are the cities where residents are least likely to feel safe:
Feel least safe: 9 (tie). Charlotte-Gastonia-Concord, N.C./S.C.: 68 percent felt safe
9 (tie). Tampa-St. Petersburg-Clearwater, Fla.: 68 percent
9 (tie). Birmingham-Hoover, Ala.: 68 percent
9 (tie). Atlanta-Sandy Springs-Marietta, Ga.: 68 percent
9 (tie). San Antonio, Texas: 68 percent
9 (tie). Orlando-Kissimmee, Fla.: 68 percent
7 (tie). Baltimore-Towson, Md.: 66 percent
7 (tie). Miami-Fort Lauderdale-Pompano Beach, Fla.: 66 percent
6. Las Vegas-Paradise, Nevada: 65 percent
4 (tie). Jacksonville, Fla.: 63 percent
4 (tie). Houston-Sugar Land-Baytown, Texas: 63 percent
3. Riverside-San Bernadino-Ontario, Calif.: 61 percent
2. New Orleans-Metarie-Kenner, La.: 59 percent
1. Memphis, Tenn./Miss./Ark.: 55 percent
Take a look at the full list from Gallup. And take a look at which cities are actually the safest and most dangerous based on FBI crime statistics.
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Wow! Check out this deal on a Radio Flyer Odyssey Wagon for only $59.99. This item normally retails for $149.99 – so the 60% savings is HUGE!
Can you imagine this wagon with a few streamers and sparkles on it for an Independence Day Parade? Adorable! And super functional with the shade cover! Thanks to Coupons are GREAT for sharing!


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'The Woods in Your Backyard'
March 1, 2012 —
LaPLUME and EAST STROUDSBURG, PA — Penn State Extension is offering a one-day workshop titled "The Woods in Your Backyard" on March 30 at Keystone College, repeated on March 31 at East Stroudsburg University. The program is designed specifically (but not exclusively) for smaller landscapes. The vast majority of Pennsylvania's landowners have less than 10 acres. This land, wooded or not, can provide benefits. By enhancing wooded areas or creating natural areas on your lot, you can enjoy recreation, aesthetics, wildlife, improved water quality and reduced energy costs.
Owners of even the smallest landscapes can make a positive difference in their environment through planning and implementing simple stewardship practices learned at this workshop.
Registration costs $25 per person and includes lunch, breaks and program materials. Each workshop attendee will receive a free copy of "The Woods in Your Backyard: Learning to Create and Enhance Natural Areas Around Your Home" (a $20 value). The full-color, 139-page manual is a self-directed book that will guide you through the process of developing and implementing projects to enhance your land's natural resources.
This workshop is part of a Sustainable Backyard Landscapes Series developed through a partnership of Penn State Extension, Pennsylvania Department of Conservation and Natural Resources, Pennsylvania Environmental Council and Forestry for the Bay.
To register visit agsci.psu.edu/backyard/woods or call 570/825-1701.


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On this day: July 10
Published On: Jul 09 2012 10:02:43 AM CDT Updated On: Jul 10 2016 01:00:00 AM CDT
The United States takes possession of the Sunshine State, Howard Hughes flies around the world, a new milestone is reached in space and a "classic" soft drink returns, all on this day.
The views expressed are not those of this company or its affiliated companies. Please note by clicking on "Post" you acknowledge that you have read the Terms Of Service and the comment you are posting is in compliance with such terms.


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Be spot on with the latest trends this fall. The 'Grenada' by Kate Spade is decked out in leopard print with patent tassles. A bold way to start off the season.
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This webpage contains information on the Water and Wastewater Services (WWS) Utility Connection Permit (UCP). The UCP is the process by which WWS allows connection to or modification of its potable water, wastewater and/or reclaimed water systems. Installation or modification of water mains, fire protection double detector checks, fire hydrants, gravity sewer mains, force mains, lift stations, pump stations and sewer laterals almost always require a UCP. Installation of small diameter water services to a single building usually does not require a UCP.
Click here to determine if a property is within a WWS jurisdictional area. Click here for information on WWS design and construction standards. Click here for information on WWS land development standards.
The UCP permit process is a four step (part) process. Click here for more information.
Broward County Water and Wastewater Services (WWS) has implemented ePermit for its UCP process to enhance customer service. For WWS, ePermit means the electronic exchange of documents. Our goal is to electronically exchange documents to the maximum extent possible; however some documents continue to be paper based.
Applicants may choose to initiate a new project through the traditional paper-based process or use ePermit. Except as noted in the User's Guide, WWS will not accept paper based information for projects started through the ePermit process, and WWS will not accept electronic based design drawings, design drawing modifications, record drawings or easement documents for projects started through the paper-based process.
Applicants can change from paper based to ePermit or visa-versa during the project. However doing so will require starting the permit process over from scratch, including repayment of plan review fees.
Click here to download a copy of the WWS ePermit User's Guide which contains instructions on how to submit documents to WWS electronically and retrieve documents from WWS electronically. WWS encourages applicants to use the ePermit process. However applicants are advised that doing so requires the design professional of record, a professional surveyor certifying record drawings and the professional surveyor preparing easement documents to have digital signature capability as described in the User's Guide. Digital signatures require purchase of a digital ID from an independent source.
The following documents and forms are associated with the four parts of the UCP. They are applicable to either the paper-based or ePermit method of obtaining a UCP.
All linked documents and forms are in Adobe PDF format.
PART 1 – PLAN APPROVALApplication for Plan Review Form and Instructions
Example UCP Project Design Drawings
Sample Fire Protection Level of Service – Fire Marshal or Fire Protection Specialist Letter
Sample Fire Protection Level of Service – Engineer of Record Letter
Sample Hydrant Location Letter
PART 2 – REQUEST FOR PERMITApplication for Connection Construction (Corporation) Form and Instructions
Application for Connection Construction (Governmental Agency) Form and Instructions
Application for Connection Construction (Individual) Form and Instructions
Application for Connection Construction (Partnership) Form and Instructions
PART 3 – THE PERMITConnection Construction Approval (Issued by WWS)
PART 4 – RELEASE FOR SERVICEApplication for Release for Service Form and Instructions
Guideline for Partial Release of UCP Projects
Release for Service Forms
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The two-term chairman of the Minnesota College Republicans is the latest from his party to support legalizing gay marriage in the state.
Ryan Lyk tells The Associated Press he wants people to know that not just Democrats support gay marriage.
Lyk holds the top post of a group with 20 chapters statewide and several hundred members. He is the highest-ranking state GOP leader so far to break with the party's official stand against same-sex marriage.
The 21-year-old University of Minnesota student and former intern to Michele Bachmann says College Republicans are still split on the issue, but that an increasing number support gay marriage.
Minnesota's Legislature may vote on whether to legalize gay marriage later this spring. So far only one Republican lawmaker openly supports the bill.


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August 28, 2012 —
According to people familiar with the situation, 56-year-old Rodney Ezrapour, who according to Wayne County District Attorney Janine Edwards, shot and killed Kristina Sue Adams before turning the gun on himself, at one point had a relationship with the victim's mother, Cindy Adams. This has not been confirmed by Edwards or state police.
According to Edward's office, Ezrapour laid in wait in the early morning hours of August 20 for the victim to return home. When Kris arrived at the residence on Cemetery Road, she was with 37-year-old Toby Johannes, who neighbors say was her boyfriend. He was also shot, but not seriously enough to prevent him from leaving the scene and seeking help.
A neighbor in the community of large, suburban-style homes on Cemetery Road said that, before the shooting, Ezrapour parked his car in a driveway across the street, presumably so that Kris would not realize that he was waiting for her.
In the absence of factual information, neighbors are speculating about the motive: one said that Ezrapour shot the wrong person and intended to target Cindy; another said he intended to inflict maximum emotional harm on Cindy and therefore targeted her daughter; another said that Kris had opposed her mother's relationship with Ezrapour, and that's why she was targeted.
Authorities so far have revealed little about the apparent murder/suicide. They have released such details as the fact that Ezrapour had residences in Damascus Township and in New York City; that Johannes was treated at CMC in Scranton and later released; and that the incident seemed to be a case of domestic violence.
Edwards released a statement on August 21, which said, "The Pennsylvania State Police are still investigating this terrible incident, and no further information will be released until they have completed their initial investigation. Due to the swift response and presence of the state police in Damascus Township, I wanted to assure the citizens of Damascus Township that this appears to be a case of domestic violence, the details of which will be released at the appropriate time."
The Pennsylvania State Police issued a press release later the same day essentially confirming Edwards' sketchy account of the crime.
Kris was a life-long resident of the area and worked as an office manager for Peck's Market in Narrowsburg. She was a graduate of Marywood University, with a BA in interior architecture design. She was also a volunteer at Equinunk Overlook Fire Department and various other organizations. A family statement reads, "Kris was an amazing, caring and loving daughter, stepsister and granddaughter. She was always involved in giving back to her community." See obituary on page 8.
Ezrapour was diagnosed with lymphoma in 2004, and according to his bio on the website www.kidsrockingcancer.com [2], he was the executive director of that nonprofit organization, which fights cancer in children. In 1982, he founded the company Travel Bound, which arranges group travel overseas.
In remembrances on the website www.legacy.com [3], an acquaintance wrote, "We cannot comprehend or believe that Rodney has left us. He was a light in so many lives, an inspiration to seek justice and dignity for all."
Ezrapour ended his life with a single shot to the mouth.


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Christian McBride: The Movement Revisited at Second Ebenezer Church in Detroit
February 17, 2010. Posted by Becca Pulliam.Add new comment | Filed under: christian mcbride, concerts, Detroit Jazz, Jazz Alive, Live Music, The Movement Revisited
DETROIT – Bassist Christian McBride and his quintet, narrators representing four icons of the Civil Rights Movement, J.D. Steele and the Second Ebenezer Majestic Voices, the Detroit Jazz Festival Orchestra, and more than 2,000 people gathered in one mega-sanctuary Sunday night for The Movement Revisited, McBride's jazz opus, presented for free by the Detroit International Jazz Festival for Black History Month.
The first reading was Dr. Martin Luther King Jr.'s opening address "On the Importance of Jazz." for the 1964 Berlin Jazz Festival with the theme that "This is triumphant music." Anthony L. Brock Jr., a student at the Detroit School of the Arts, delivered it -- short and meaningful. (Link to text below)
Following the "Freedom / Struggle" overture, poet Sonia Sanchez spoke words of Rosa Parks, whose refusal in the mid 1950s to move back in a city bus launched the 381-day boycott in Montgomery, AL. Parks later lived in Detroit. Willis Patterson, Emeritus Professor of Voice from the University of Michigan, spoke Malcolm X's words; Malcolm Little grew up in Lansing, became known as Detroit Red. Dion Graham from The Wire spoke Muhammad Ali's words; Ali now lives near here. Bishop Edgar L. Vann II of Second Ebenezer re-created the "I Have A Dream" speech. King delivered the first known version at Cobo Hall on June 23, 1963. According to the Civil Rights Timeline in the printed program, 125,000 people marched on Woodward Avenue that day. The organizer was Rev. C. L. Franklin, Aretha's father.
Two weeks ago in a performance of TMR that I saw at Juilliard, students did the playing and speaking, to great effect. After all, the four who are now icons were young when they led the Movement. Yet Sunday night, I sensed that at least two of the narrators had lived the history and were drawing on experience. That perspective is perishable; savor the moment.
With the speakers on the left, the orchestra to the right, the center was for Christian's quintet -- Ron Blake, Geoff Keezer, Warren Wolf, Terreon Gully. Blake soloed on tenor in response to the words of Malcolm X, post Mecca -- "All credit is due to Allah; only the mistakes are mine." Gully's drums dramatized Ali. J. D. Steele and the choral music were true highlights with "She Said" for Parks, "Rumble in the Jungle" for Ali, "Free at last, free at last!" after King. The oratorio is Christian's vision, his music draws from the era, his bass lines are the foundation. His underscoring of the speakers' words helped to inspire flawless reads.
As laid out in the Timeline, between 1962-69 Detroit was ground zero for the formation of the Freedom Now Party, Operation Negro Equality, Northern Negro Grassroots Leadership Conference, Freedom School (following a protest at Detroit Northern High School), Citywide Citizens Action Committee or CCAC, Dodge Revolutionary Union Movement or DRUM, League of Revolutionary Black Workers, to name some. There was violence and loss of life too. Many in the audience at Second Ebenezer lived the history, making this performance The Movement Revisited even more powerful.
Text of the MLK speech at the 1964 Berlin Jazz Festival
Earlier in the week, Christian answered to Five Questions about the piece in the Detroit Free Press.
Jeff Gerritt's editorial "Michigan Man Malcolm X Deserves a Lasting Tribute"
Rosa and Raymond Parks Institute
Walter P. Reuther Library at Wayne State University
Note: These comment boards are available to the general public. Statements expressed in the comment boards do not necessarily reflect WBGO's views. The inclusion of any links does not necessarily imply a recommendation or endorsement of the views expressed within them. For more information, please read our Terms of Service.


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Illinois Country Living's Mother of the year
While every mother is special, some are just extraordinary in their willingness to help their families and others. If your mom or another mom in your community is deserving of this honor, nominate her. Tell us in 500 words about that special mom, what she does and why she deserves to win the title.
Just fill out the entry form below or email your essay to firstname.lastname@example.com. Or just check the February 2015 issue of Illinois Country Living for the application.
Mother of the Year Entry Form
*We would only contact her if she wins
** The text field for this essay is not a text editor and does not autosave any submissions into the field. Please copy and paste your essay from the text editor of your choosing(word, google docs).


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My husband and I had to postpone a cruise in September due to the birth of our baby 9-9-09. We had gotten a great deal with some onboard credit, etc. and to keep those perks, the travel agent let us reschedule it for March 2010.
My baby will be 6 months old at the time and I was NOT planning on weaning her until she was closer to a year old. I hope to have her on some solids by that time, and I don't think I'll have any problems having enough milk stored for her to drink while we're gone, I've already started stockpiling at my house, my in-laws, and my parent's house. When I need an occasional bottle, we use the oldest frozen milk and I pump to replace it, in order to keep my supply rotated.
However, I just realized to keep my supply up, I'm going to have to pump and dump while I'm on the cruise ship! Which doesn't seem like a problem, but it's a seven night cruise, plus travel days. Plus, when you think about port days and not being on the ship for hours at a time...it gets a bit sticky.
Is it feasible for me to take my double electric pump and dump as much as possible when I'm in the cabin, and maybe take my manual ashore with us for some relief while we're having our beach days? I'm worried that my supply will go down when I'm on the cruise, both from not having my daughter breastfeeding and in case I am not as diligent about pumping as I should be.
Anyone vacationed away from their LO for a significant amount of time and NOT have their milk supply decrease? I also hate to think of all the milk I'm going to have to waste, but I really don't want to wean my daughter just for the selfish reason of wanting to take a vacation.


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Climbing the Ladder: How to Manage Risk in Your Bond Portfolio
by Steven Bohlin
The stock market crash of October 1987 was highly dramatized in the media. But during that year, more money was lost in long-term bonds and bond funds than in stocks.
Interest rates fluctuated widely throughout the year, then rose dramatically by the end of that year. This caused the bond market to lose significant value.
Print this article
In thi
The Risks
The Solution: Laddering
Managing Market Price Risk
Managing Reinvestment Risk
Why Does This Tactic Work?
Other Considerations
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When interest rates rise, market values of existing bonds drop because their interest rates are fixed and the present value of the bond?s stream of interest payments fluctuates. These factors caused investors to panic and sell their bond funds, leaving fund managers with no choice but to sell these long-term bonds at depressed prices as a way to generate cash for redemptions.
The Risks
The 1987 bond market crash dramatically illustrates the market price risk of bonds and bond funds. However, there are actually four main risks inherent in every bond and bond fund:
- Credit risk,
- Income tax risk,
- Market price risk?the risk that the value of the bond will change when interest rates change, and
- Reinvestment risk?the risk that you will not be able to reinvest the periodic bond income payments and returned principal at maturity at the same rate you are currently receiving from the bond.
But it is impossible to simultaneously master market price risk and reinvestment risk. That?s because there is a trade-off between the two?the investments that can reduce market price risk have higher reinvestment risk, and the investments that can reduce reinvestment risk tend to have higher market price risk.
Market price risk, for example, can be reduced by owning a short-term CD or a money market fund because the market price stays constant. However, reinvestment risk is high because upon maturity your money must be reinvested, possibly at lower rates. In addition, yields on short-term bonds are relatively low compared to long-term bonds, so each time you reinvest in short-term bonds, yields tend to be lower.
Reinvestment risk can be reduced through investing in long-term zero-coupon bonds, because reinvestment of all payments is put off until maturity, but a zero-coupon bond has substantial market price risk.
The best you can do is to strike a balance between reinvestment risk and market price risk.
How, then, can fixed-income investors strike this balance, achieving a respectable rate of return without experiencing the higher risk associated with the fluctuation of interest rates?
The Solution: Laddering
Laddering involves building a portfolio of bonds with staggered maturities so that a portion of the portfolio will mature each year. To maintain the ladder, money that comes in from currently maturing bonds is typically invested in bonds with longer maturities within the range of the bond ladder (see Figure 1).
Laddering tends to outperform other bond strategies because it simultaneously accomplishes two goals:
- It captures price appreciation as the bonds age and their remaining life shortens; and
- It reinvests principal from maturing short-term bonds (low-yielding bonds) into new longer-term bonds (high-yielding bonds).
Managing Market Price Risk
The primary goal of a laddered bond portfolio is to achieve a total return over all interest rate cycles that compares favorably to the total return of a long-term bond, but with less market price and reinvestment risk. This is achieved by maintaining an investment of approximately 4% to 10% of a bond portfolio in each year of the selected maturity range. We find that two ranges of ladders provide the best results:
- A limited-term ladder in which the average maturity is kept between three and five years, and
- An intermediate-term ladder with an average maturity of between six and 10 years.
A bond?s sensitivity to interest rates is measured by its duration. The shorter the duration, the less volatile the bond?s price when interest rates change. For example, when interest rates shift, a bond with a one-year maturity barely budges in price, while the price of a 30-year bond moves dramatically. Long-term bond funds pay a heavy price for their marginally higher yields.
|Table 1. Longer-Term vs. Shorter-Term: The Effect of ?Aging? on Duration
of Bond
|After Five Years
Change in
Percent Change
in Duration
|30 Years
|20 Years
|10 Years
As limited- and intermediate-term bonds mature, their durations shorten at an increasing rate, in a telescoping effect. A single year of ?aging? will shorten the duration of a five-year bond more than it does a 10-year bond, and it will benefit a 10-year bond more than a 20-year bond. A 30-year bond?s duration, on the other hand, hardly responds to a single year?s passing.
To illustrate how this works, compare three identical bonds with 5% coupons. The first bond has 30 years to maturity, the second has 20 years, and the third has 10 years. Table 1 shows what happens to their duration after five years.
The bond with the shorter duration carries less risk, which means a potential buyer will demand less yield (and will therefore pay more). Thus, if interest rates remain constant, the bond will rise in value over most of its life as its duration shortens. If interest rates rise, the bond will recover much, if not all, of its lost value as its duration shortens and it is priced to the lower yield of a shortened bond.
Managing Reinvestment Risk
In a laddered portfolio, bonds mature every year. As this occurs, the principal proceeds are reinvested at the longer end of the ladder, often at higher interest rates. The income stream will stay relatively constant because only a small portion of the portfolio will mature and be replaced each year. Over time, the portfolio will include bonds purchased in periods of both high and low interest rates.
Here?s how the ladder can be expected to react to three interest rate scenarios (see Figure 2).
Unchanged Interest Rates
The centerline in Figure 2 shows unchanged interest rates. In this scenario, a very steady return is generated each year, and the return will be very close to the highest-yielding bond in the portfolio.
Rising Interest Rates
The curved line that starts at the bottom left of Figure 2 illustrates a rising rate environment. In this scenario, bond values will initially drop, but only temporarily. Unlike owning an individual bond, the ladder has maturing bonds each year, which gives the portfolio a stream of cash flow to reinvest in new, cheaper higher-yielding bonds. This creates a consistent pattern of investment, much as dollar-cost averaging does for the equity market. As proceeds from maturing bonds are reinvested in higher-yielding bonds at the far end of the ladder, the portfolio?s yield gradually increases.
This built-in reinvestment feature works to offset some of the price depreciation that occurs throughout the ladder when interest rates rise. It also results in a rising income stream. After a few years, the portfolio?s total return first equals the return it would have received if rates were unchanged?then surpasses that rate.
Falling Interest Rates
The curved line starting at the upper left in Figure 2 shows what happens to total return when interest rates fall. In this scenario, initially the portfolio?s return rises in value as the bonds in the portfolio rise in value. Ultimately, as those bonds mature and proceeds are reinvested in lower-yielding bonds, the portfolio?s long-term return is lower than it would have been under the first two scenarios, because the reinvestments are in lower-yielding bonds.
The income stream also decreases, but only gradually because the longer-term higher-yielding bonds continue to be held in the portfolio and the income generated continues to be the average of all the bonds.
Why Does This Tactic Work?
Let?s look at an average municipal bond yield curve (Figure 3) over the last five years from 1999?2003. The horizontal axis represents years to maturity and the vertical axis the expected yield. A normal (positively sloped) yield curve means that the shortest investments generate the lowest yields. As years to maturity increase, yield levels rise. Yields rise substantially every year for the first 10 years of the curve in the municipal market.
As can be seen, the first five to 10 years of the yield curve is the steepest part. Steep is good in bond investing because that means the yields increase rapidly over a shorter timeframe. Once past 10 years, and even more noticeably after 15 years, the yield curve is virtually flat and there is little or no increase in yield?even as maturities are extended and more risk is taken.
As maturing proceeds are reinvested at the end of the ladder, the yield of the portfolio is greater than what would be expected by the average maturity of the bond portfolio because of the positive slope of the yield curve. As a result, over time, a laddered portfolio of bonds over only 15 years tends to produce a portfolio with the income of the longer maturity bonds, but with the price stability of the middle maturity bonds in the ladder.
Both price volatility and reinvestment rates are managed as a result of these strategies:
- Laddering the portfolio,
- Focusing on limited- and intermediate-term bonds,
- Reinvesting proceeds at the end of the ladder rather than the front, and
- Allowing bonds to naturally age down the yield curve.
Other Considerations
Most bonds have what is termed a call provision, which means that the issuer of that bond can repay the bond early. A goal of a properly structured laddered bond portfolio should be to buy primarily non-callable bonds, or bonds that are only callable within a few years of maturity, as opposed to having 10, 15 or 20 years between the call date and the maturity of the bond.
For example, consider a New York City bond that has a call provision, and suppose New York City decides to pay off that bond early prior to actual maturity. In this case, the city will call the bond and issue new bonds at a lower interest rate. Obviously, if the new bonds were issued with a 5% coupon it would be more desirable to retain the old bonds that are paying 7%. But, if the city has a call provision, the higher-rate bonds are surrendered.
More than 90% of the municipal bonds that are issued have a 10-year call provision. Therefore a 20- or 30-year bond paying an above-market yield will probably be called away within 10 years. As such, it would not pay to assume the higher risk since the higher yield would have been taken away early. Even worse, if interest rates rise and the bond?s yield is below-market, the issuer is not likely to call the bonds.
With a laddering strategy, which uses only short- or intermediate-range bonds, the call risk is reduced. This is yet another reason to avoid the use of long-term bonds, especially in the municipal market.
The laddering strategy can reduce interest rate risk because it shortens the average maturity of a portfolio, resulting in less price sensitivity to changing interest rates. The strategy also smoothes out reinvestment risk since money is being reinvested continuously throughout a full interest rate cycle.
The end result is a portfolio with returns close to those of long-term bonds, but with substantially less risk.
As you have seen, it really doesn?t matter which way interest rates move. With a laddering strategy, it?s possible to get above-market returns. That gives you a competitive advantage: You don?t need a particular interest rate environment, or a crystal ball to know where rates are headed, because any time is a good time to build or buy into a laddered portfolio.
It?s the smart way to increase the portfolio?s return while minimizing both market risk and reinvestment risk.
Steven Bohlin and George Strickland are both portfolio managers and managing directors of Thornburg Investment Management.
Mr. Bohlin manages the Thornburg Limited Term Income Fund and the Limited Term U.S. Government Fund; Mr. Strickland is manager of the Thornburg Municipal Bond Portfolio. Thornburg Investment Management is an investment management firm based in Santa Fe, New Mexico (www.thornburg.com; (800) 847-0200 ). It advises eight bond mutual funds and four equity mutual funds.


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WISC-TV and News 3 and our viewers took part in Build a Better Community Day.
All day Wednesday, we featured the work of the Goodman Community Center where every year, 34,000 people of all ages participate in a wide variety of programs.
Learn more about the Goodman Community Center
Through donations given by our phone bank as well as online, we were able to raise more than $15,000. A generous donor will match most of these funds, meaning nearly $30,000 will go to the Goodman Community Center.
A phone bank was open until 10:30 p.m. To still make a donation, donate here.
To nominate a community organization to be the focus of a Build a Better Community Day, fill out this form.
More information about the Goodman Community Center:
The Goodman Community Center has served the area for 60 years. The current facility is 5 years old. Its annual budget is more than $4 million. Residents donate roughly 25 percent.
The Fritz Food Pantry serves 150 families, three times a week and offers a free, home-cooked meal while they wait.
GCC provides more than 111,975 meals each year to the community. That's more than the number of seats in Camp Randall.
Throughout the year, 500 older adults come to meet friends and make friends over a warm, nutritious meal.
The Goodman Community Center is home to two, full-time alternative high school programs affiliated with the Madison Metropolitan School District.
TEENworks is an alternative high school and career development program which focuses on employment skills and high school completion.
GCC's middle and elementary after-school programs are recognized as one of the top 10 programs in Wisconsin.


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My son is 11 days old today and I need help! My best friend's mother is a lactation consultant that lives about 4 hours away. I called her on day three for help and she told me to feed him every time he acted hungry which at times was almost hourly. Then at the pediatrician's office on day 5 she said to feed not more than every 2 hours, preferably every 3. I could usually distract him for this long until last night when I broke down and fed him almost every hour which was exhausting as it takes at least 30 minutes to feed him.
Now today he is acting almost constantly hungry despite plenty of wet/dirty diapers. I'm exhausted and confused. Can anyone offeradvice?


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January Intersession classes begin January 3!
Important Changes for all students! Southwestern College is in the process of upgrading and refreshing our existing web technologies with newer, more secure solutions!
Click to view the 2016 Southwestern College Annual Report
Take a virtual tour of the Southwestern College Campus, Higher Education Centers and Crown Cove Aquatic Center.
Southwestern College Achieves Significant Percentage Increase of Transfer Students in State.
Southwestern College Goes Tobacco Free, Including E-Cigarettes.
Invest in yourself. SWC student Ivan Ulloa, Engineering Major.
The Cesar E. Chavez Building is a One Stop Center for Student Services.
Invest in yourself. SWC faculty Yasmin Massadeghi, Professor of Exercise Science.
Offering degrees and certificates in today's high-demand jobs.
Invest in yourself. SWC student Caleb Henderson, Biotechnology Major.
Invest in yourself. SWC faculty Dr. Teresa Russell , Professor of Music.
Southwestern College is an equal opportunity educator and employer | Disclaimer | Directions to SWC
© 2011 Southwestern College, 900 Otay Lakes Road, Chula Vista, CA 91910. (619) 421-6700
The Southwestern College is not responsible for the content of external sites.
Thank you for visiting the Southwestern College website.


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Registrant appreciates gift cards in any amount.
Some of the items requested may only be available online or through the Williams-Sonoma catalog. Please see an Associate for assistance or call our registry center at 800.541.0015.


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As much as I like Amare as a player and a man his contract is one of the worst ever. If it`s true that he can only manage 20 minutes and not play in back to backs then what are we getting for our $100m? . . . Not much.
The Knicks have discussed limiting Amare Stoudemire to 20 minutes per game next season, and they may prohibit him from playing in back-to-back games...
According to Amare's agent, "The doctors are still talking about [restrictions]... But he's not going to play a ton of minutes." New York can afford to be more cautious with their oft-injured PF now that they've traded for Andrea Bargnani, though 'afford' is a cruel word since they'll be paying Amare $21.7 million next season...
[Only registered and activated users can see links. ]
So we can be more cautious with our oft-injured PF, with another oft-injured PF -- hmm hope it works out, otherwise it will blow up in our faces... <<<< don't see this ending well...
As much as I like Amare as a player and a man his contract is one of the worst ever. If it`s true that he can only manage 20 minutes and not play in back to backs then what are we getting for our $100m? . . . Not much.
As Knicks fans we know a thing or two about bad contracts.. Amares contract is bad, yes, but thats only because of his inability to stay healthy.. If he can manage to stay healthy and play 75% to the level he played his first year here than its almost worth it.. He is the main reason the KNicks are where they are today.. Ill take a bad contract 10 times out of 10 if that bad contract brings respectability and a winning culture back to the franchise
Billboard of Carmelo taken w/ my cell phone on 4/10/11 on 33rd street right by the Garden
this is final year of his contract with MELO and Chandler or i am wrong?
The Knicks are back with their medical-staff foolishness from back in the daze to now .. C-Webster, PF-Truck Robinson, PF-Larry Johnson, PF-McDyess, SG-Allan Houston, and now Amare. These were the Knicks players with contracts over $75M that played about 20 games in a 3 year span for the Knicks.
The Knicks cheap salary players like the recent Eddie Curry, Jerome James, and Jared Jefferies are ants compared to all the cheap players the Knicks medical-staff put on the DNP injury-list back in the 1960's to 80's to end players NBA career.
We all watch HC Dantoni DNP a healthy Marbury for the entire season at $21M per in the 2008-9 season ..
Marbury been playing in China the last 5 years...
There's 7 things I learned from watching Amare performance in Phoenix having Marbury, then Nash leading the point, with Matrix-Marion, then Grant Hill leading the frontcourt bigmen .....
1) Amare will not be effective on the court receiving 20 minutes per game.
2) Amare will give u star-stats when receiving 9 straight minutes per quarter in 3 to 4 quarters per game.
3) Amare will GELL well with 6 then 8 teammates throughout the 82 games.
4) Amare's not the player u keep substituting in and out of different types of lineups throughout the season.
5) Amare is a Starter & Finisher .. he does not know how to play a 7th-man role.
6) Amare plays well at 2 position with the same PG in both lineups.
7) Matrix-Marion and Grant Hill's high B.Ball IQ as forwards are the oposite of forward ISO-Melo.
u can agree or disagree
In an ideal situation, Amare comes back strong and can consistently put up 18pts 7 boards per game, but the Knicks have to be realistic and prepare for an ineffective Amare. I obviously don't know what the team doctor's know, but I'd like to think that we can come to a point where Amare can play for 30-35 minutes per game.
A injury-prone Amare happens during 2nd season with teammate Marbury
A season-injured Amare happen when Kurt Thomas & Diaw was added to the roster.
A season injured Amare happen when Shaq was added to the roster.
A injury-prone Amare happen when ISO-Melo was added to the roster.
Restructure his contract if he still plays hurt. I'll probably turn into one of the biggest Stat haters if he's playing little min's while hindering the salery cap because of lingering injuries. Altough I've been one of the few people thinking he's way overpayed... I was still in his corner since he got here. But it's only so much a fan will take before realizing he/she isn't getting their monies worth.


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This global casting competition is closed, almost 65.000 people decided to take part in the competition to prove to the world they're unique.In these last days I particularly appreciated some competitors, like Claclacla; her profile is full of colours, her pictures makes you see a beautiful girl smiling, and you can definitely understand she's a nice girl to hang out with.
23-year-old girl France
Colour is the main characher of Franmartinez's profile as well, he says he's called mr.brightside because he can always see the best part of every person and thing. I enjoyed a photo in particular, a colourful portrait with the sentence "The world is not just black and white" , is there anything more true than this?
29-year-old guy Spain
Irida is another person who caught my attention. She likes photography and in the pictures she plays with her face making different funny expressions and painting it. What I loved about her? This sentence in her description: "imperfect is the new perfect. In the world of perfection and models, my imperfections make me special". What else do we need to say?
20-year-old girl from Greece
What gives you a state of peace and relax? The idea of a beach at the sunset maybe? Or maybe also a pretty face like Melisa's? I loved her photo of the peace symbol made of hands, and the wonderful drawing you can see in her profile.
26-year-old girl from Bosnia and Herzegowina
In a global casting competition like this one I really loved Jessika. What makes her special is her global approach to life. She's Swedish but she was raised in Germany, Poland, Sweden and Tanzania and now she's residing in Japan. You can see from her look in her eyes that she's a risk taker and that she's a cosmpolitan with the will of travelling and find new exciting places to visit.
20-year-old girl from Japan
The Blonde Salad, Italy


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Floral Watercolor Blouse
Style: 570105596
Out of Stock
Foiled leaf detail adds a whimsical touch to this beautiful blouse with fluttery sleeves. The banded rollover elastic hem contributes to a billowy silhouette.
- Blouson fit.
- Split sleeve detail.
- Fully lined with knit lining.
- Shell: 72% silk, 28% metallic. Lining: 95% polyester, 5% spandex. Hand wash. May be dry cleaned. Imported.
- Regular length: 24" from shoulders.
- Petite length: 22.5" from shoulders.
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