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See the full article at How Medical Identity Theft Can Give You a Decade of Headaches.
This article tells us a cautionary tale about how Arnold Salinas had his identity stolen by someone who took out medical care in his name. Now, any time he gets medical treatment, he has to be extremely careful that his records are actually his own or face the possibility that he will get the WRONG treatment.
"Medical identity theft affected an estimated 1.5 million people in the U.S. at a cost of $41.3 billion last year, according to the Ponemon Institute, a research center focused on privacy and data security. The crime has grown as health care costs have swelled and job cuts have left people without employer-subsidized insurance. Making matters worse: The complexity of the medical system has made it difficult for victims to clear their name."
It is so important that patients control and are kept abreast of their medical records, but the current system does not make this easy. According to the article, medical identity theft cases are some of the most difficult to solve and can take years. What makes it so difficult is that "'…you have to go provider by provider, hospital by hospital, office by office and correct each record," said Sam Imandoust, a legal analyst with the Identity Theft Resource Center. 'The frustrating part is while you're going through and trying to clean up the records, the identity thief can continue to go around and get medical services in the victim's name. Really there's no way to effectively shut it down.'" Another problem is even finding out your identity has been stolen. According to Pam Dixon, founder of World Privacy Forum, "the fractured nature of the health care system makes medical identity theft hard to detect. Victims often don't find out until two years after the crime, and cases can commonly stretch out a decade or longer". Banks and other institutions are used to dealing with identity theft, but the medical industry isn't equipped to handle this kind of infringement.


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Have you heard about telomeres? A telomere is "a region of repetitive DNA sequences at the end of a chromosome, which protects the end of the chromosome from deterioration or from fusion with neighboring chromosomes" (Wikipedia). Hmm. Telomeres, it seems, are sort of like tails on the ends of our chromosomes. Like the plastic tips […]
With God, worrying about age unnecessary
August 4, 2011
Filed Under: Curtis Shelburne Tagged With: age, heard, telomere, telomeres, unnecessary, worrying

subset: commoncrawl


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Cheryl Moy and Dina Ramirez began the effort to stop the well about a year ago, and together they engaged many others in their battle to convince the commission to deny the permit for a well they said would make the area more congested, less safe and could potentially cause harm to groundwater resources that local people depend on.
The hearing began April 9 when the commission considered the application of Karnes County Properties, LLC for an injection well permit for the use of disposal of fluids and materials used in the production of oil and gas from area wells.
Railroad Commissioner Technical Hearings Examiner Richard Atkins summarized the item for consideration during the hearing.
Atkins said the proposed well would be located in the area near the intersection of U.S. Highway 181 and FM 1353, just outside the city limits of Karnes City, and within the extraterritorial jurisdiction (ETJ) of Karnes City. The well would dispose into the Wilcox formation at a depth of between 6,900 feet and 8,000 feet.
According to Atkins, Karnes County Properties, LLC presented evidence that there is an industry need for additional disposal capacity in Karnes County, due to the development of the Eagle Ford formation.
"The protestants are the mayor of Karnes City and surface owners adjacent to and near the tract on which the proposed disposal well is located," Atkins said. "They believe that the application for the proposed facility should be denied. Collectively the testimony of statements in opposition to the facility, assert that the proposed commercial disposal facility will have adverse effects on usable quality water, traffic safety, property values, and the quality of life in and around the area of the intersection of FM 1353 and U.S. Highway 181."
Atkins, as examiner for the commission, recommended approval of the application.
Don Tymrak, who was mayor of Karnes City at the time of the hearing, spoke to the commission.
Tymrak said that approving the application for the well would go against the public interest due to its close proximity to residences, a church and a nursery school in the area and the possibility of contamination of well water as a result of the facility.
The facility, Tymrak added, would be a threat to further economic development of the area.
Although these facilities are needed, Tymrak said, they can cause harm if allowed to be built in the wrong place.
"Putting it in the wrong place, is not in the public interest," Tymrak said.
Railroad Commission Barry Smitherman, in response to Tymrak's remarks, said these decisions are often difficult ones.
"I am sure that even you would admit that it is that rare case where we have someone come in and ask us to decide a disposal well (issue)," Smitherman said. "Much like transmission lines, and other needed infrastructure, it is difficult. We need them in order to continue furthering oil and gas development in the state, just like we need transmission lines to move power but I can only recall one time in the last ten years when someone has asked me, 'Please put this on my property.'"
"We know that they are necessary," Tymrak responded, "but just not here."
Ed Small, an attorney representing protestants Ramirez and Moy, then spoke to the commission.
Small said that while noise, dust, odor, traffic safety and property values may be among the concerns by residents opposed to the well, legal precedent has established that these concerns can not be considered by the commission in regard to denying the application.
"That is technically not our case on the issue," Small said.
Small said the area is way over capacity in regard to permitted wells and as a result, a risk could develop in regard to overpressurization of the geologic formations underground.
"Public interest and capacity go hand in hand," Small said. "There is plenty of capacity. This is not going to hurt oil and gas production in this area in any way."
Jamie Nielson, an attorney for Karnes County Properties, LLC made an argument that the well application should be approved because the groundwater resources will be protected by the type of construction planned.
Nielson said there is a need for disposal capacity in the heart of the Eagle Ford Shale. Nielson said Gary Lavergne, of Karnes County Properties, has contacted ten different operators who have expressed interest in using the facility.
"I really want to focus in on this public interest test," Smitherman said. "Because I think this is the Achilles's Heel of this application. We really don't have any rules which clarify public interest but we have a body of case law."
Smitherman expressed concerns that the applicant has "zero experience" with the construction and operation of a disposal well.
Smitherman said an exhibit presented by the protestants shows that more than thirty disposal wells are located in the general vicinity, but only nine are wells that are in active use.
"There are a total of 63 permitted injection wells of all types in Karnes County," Smitherman said, quoting records his own research uncovered. "17 are active and 46 are not yet active based on currently available reports."
"I am going to vote to deny this application based on the public interest test, or lack thereof," Smitherman said.
Commissioners Christi Craddick and David Porter agreed that there was insufficient need to allow the application to go forward and both voted to deny the application at this time.
Porter questioned the examiner regarding projected quantities of fluids that would need disposal.
The examiner said he presented what was given to him by Karnes County Properties, LLC.
"It seems to me that that is not a particularly accurate figure to be basing volume on," Porter said.
Chairman Smitherman moved to deny the application and reversal of the examiner's recommendation and the motion carried unanimously on a 3-0 vote.
Cheryl Moy, whose property is near the proposed injection well, said she was very pleased with the commission's decision to deny the permit application and she also stressed that she would have never known about the company's plans to drill the well if she had not seen the public notice published in The Karnes Countywide.
"I keep telling everybody – read the back of the newspaper," Moy said. "That's what saved us and I credit that."
Moy said that it took quite a bit of effort to reach the group's goal of stopping the well permit.
"It took a lot of money, but the money is immaterial," Moy said. "It took a lot of pushing. We have been working on this since May 6 of last year."
A large number of community members deserve credit for helping with the effort to protest the permit application, Moy said.
Moy said she and the others who worked together to protest the permit are not against the oil and gas industry or injection wells, but she does not believe they should not be on top of residential areas where homes, a nursery school and church are very close by.
According to Moy, local attorney Eric Opiela was especially helpful in guiding the group through the process of protesting such a permit.
"Mrs. Moy and Mrs. Ramirez and myself, representing Mayor Tymrak, who could not attend, testified before the Texas House of Representatives' Energy Resources Committee regarding the need for legislative action to give the railroad commission the authority to consider the unanimous opposition of our community to a proposed location even if geology was not a factor in the community's opposition," Opiela said.
Opiela said the commission's unanimous denial of the permit was "significant" because less than 25 percent of these injection well permits are denied.
"It took an all out group effort on the part of the community, unified in opposition to the proposed disposal well, to make this happen," Opiela said.
Don Tymrak, who recently resigned from his position as mayor to accept the position of city manager for the City of Karnes City, told The Karnes Countywide that the city has an ordinance that would prohibit such facilities inside the city limits, but currently can not pass one that would apply to the city's ETJ because state law currently does not allow for such an ordinance.
Tymrak said city officials and others are working to change state law so that in the future, cities such as Karnes City will have more authority to regulate the installation of such facilities within their ETJ, as well as inside the city limits.


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National Glitter Day (aka NYE) is almost here — which means you have to pump up your style volume, turn up the hair, the makeup and OD on the sparkles!
We're still trying to figure out what festive ensemble to rock this year — but one things for sure — we want to feel good that day: physically and emotionally. And, the way we do that is…working out! We're not going to lie…some days can be harder than the next but the perfect workout mix can motivate you to run that extra mile!
Here are some of our fav songs to workout to — hopefully we'll see you at the gym and we can all feel fabulous in the new year!
STRONGER –– Kanye West
SOME NIGHTS — Fun
DANCING ON MY OWN — Robyn
COUNTDOWN — Beyonce
IF YOU WANT TO — Travis Barker, Pharrell & Lupe Fiasco
POUR IT UP — Rihanna
BLOW ME (one last kiss) — Pink
RADIOACTIVE — Imagine Dragon
THE RIOT'S GONE — Santigold (great 'cool down" song!)
Feven & Helena #twinship
Related articles
- Twinship Music Playlist (fevenandhelena.com)
- The Twinship Top Ten Holiday Albums! (fevenandhelena.com)
- Twinship Top Five Christmas Songs… (fevenandhelena.com)


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Kickoff time announced for YSU opener
The Penguins and Fighting Illini will kickoff at noon on August 30 at Memorial Stadium in Champaign, Illinois.
The Penguins and Fighting Illini will kickoff at noon on August 30 at Memorial Stadium in Champaign, Illinois.
Ukraine said a passenger plane carrying 295 people was shot down Thursday as it flew over the country.
Three airports in the two counties will get over $1 million combined.
Cardinal Mooney All-State Kicker Zac Kennedy has verbally committed to play college football at Youngstown State.
Niles, Ohio (WKBN) – T.J. House threw 5 scoreless innings Wednesday night that paved the way for the Scrappers in a 4-0 win against Connecti…
A Senate panel grilled GM CEO Marry Barra, as well as other company officials, Thursday.
The number of people seeking U.S. unemployment benefits fell last week, a steady decline that suggests a strengthening job market.
Police surrounded a house in Springfield Township and searched inside of the home Thursday morning.
An investigation that started with a Dayton charter school has expanded to include the operator that runs several schools statewide, includi…
Authorities in central Pennsylvania say a man was critically injured in an attack by one of his dogs, which was then shot to death by police…
Police say an 11-year-old girl was taken to the hospital in southwestern Ohio after she was accidentally shot in the arm while cleaning a gu…
CAPE CANAVERAL, Fla. – On July 20, 1969, Buzz Aldrin was "out of town" when the world united and rejoiced in a way never seen before or sinc…
On July 20, 1969, Buzz Aldrin was "out of town" when the world united and rejoiced in a way never seen before or since.
Authorities say a house in Orwell exploded, leaving one woman dead and a man injured with second- and third-degree burns.
WKBN 27 News will be organizing a "Wear Purple for Don Day" to celebrate Don Guthrie's 44th anniversary at WKBN.
A teenage girl told police the man groped her in a swimming pool on the Fourth of July.
Shawn Fake has been on the lam since March 2011 after being charged with dozens of counts of child rape.
Heroin and marijuana accounted for most of the dollar value.
A second Asian restaurant is still struggling after a spoiled food truck incident in May.
A major water backup in Masury can be blamed on some furry engineers.
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The More You Buy The More You Save
Limited Time Window Promotion
Save Money Year After Year
Radiant Barrier & Blown In Insulation, Air Sealing & Other Attic Insulation Services
Entry door options and solutions for all styles of homes.
Having the work done properly with top quality products is a must.
The home remodeling specialists that Chicago homeowners trust to get the job done right.Call: 847-797-1000


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According to a letter from Dane County, the tents pitched at Lake View Park have to be taken down by 6 p.m. Saturday.
Those campers are allowed to move to Token Creek Park. That special permit, the letter says, will last 90 days.
It's a site the homeless say is far removed without any means of transportation and inadequate facilities.
"In the winter time, it's pretty much desolate. There's no water.
There's nothing out there for us but probably snow and freezing.
That's about it," homeless camper Franjo Majstoric said.
Majstoric has lived on the site for about a week. He says he hasn't left his new home for six or seven days straight for fear of the police taking all of his belongings without him knowing.
"Why move us? What's the difference?" Majstoric asked. "If we can have a special permit out there, why can't we have one here?"
A Dane County representative hand delivered the note to the dozen or so campers Friday afternoon.
The letter stresses that there is shelter space available, but Majstoric says those options have become too dangerous.
"I'm not willing put myself at risk, at harm, foul treatment because I became homeless. I'm not willing to do that," Majstoric said.
Dane County is set to open its new day shelter for the homeless on November 26.
That only leaves about a week and a half to fill the empty building on East Washington Avenue with all of the things needed to run the facility.
"Now that the weather's getting cold," Dane County Supervisor John Hendrick said, "it's even more clear why we have to have a place for people to be during the day to stay warm."
A building that's now padlocked and cleared out will have bathroom facilities, lockers to store personal belongings, phones, mailboxes, and a computer lab.
Hendrick says food will also be provided at the day shelter.
Most of the work now is focused on switching up the entrance to the building and adding fencing to create a more distinct separation between the shelter and the Rainbow Project next door.
"It's a small thing to do, and obviously, the permanent solution is to have enough housing and for people to have jobs and income to afford that housing," Hendrick said.
The county signed a four-month lease for the building. In the most recent budget, $600,000 was set aside to establish a permanent homeless day shelter.
Hendrick says that is set to open in July 2013.
In the meantime, Majstoric and his fellow campers pack up and leave another site, hoping the city and county answer their pleas for more resources.
"Whatever they do offer us, we will have to settle for because we'll have no choice," Majstoric said.
Hendrick says the day shelter is in need of computers and would welcome any donations. He is confident the shelter will be ready by the 26th.


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Camille Beckman, Professional Revitalizing Shampoo, Persian Turquoise, 32 fl oz (946 ml) (Discontinued Item)
- You earn loyalty credit for every order you place at iHerb!
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Shipping Weight:?2.72 lbs (1.23 kg)Shipping WeightThe Shipping Weight includes the product, protective packaging material and the actual shipping box. In addition, the Shipping Weight may be adjusted for the Dimensional Weight (e.g. length, width & height) of a package. It is important to note that certain types of products (e.g. glass containers, liquids, fragile, refrigerated or ice packed) will often require protective packaging material. As such, these products will reflect a higher Shipping Weight compared to the unprotected product.
- Product Code: CML-11809
- UPC Code: 709728118096
- Package Quantity: 32 fl oz (946 ml)
- Dimensions: 3.2 x 3.2 x 9.6 in, 2.3 lbs (1.04 kg)
- Persian Turquoise Professional Revitalizing Shampoo
This shampoo leaves your hair soft shiny and easy to manage. The low PH of our Professional Revitalizing Shampoo helps clear the scalp of dead skin and the build-up of collected dandruff and leaves the hair ready for the protective qualities of our Professional Revitalizing Conditioner. The color of this product may vary due to the use of Natural extracts and ingredients.
Water (aqua), sodium laureth sulfate, cocamidopropyl betaine, cocamide MEA, lauryl polyglucose, apigenin, oleanolic acid, biotinoyl tripeptide-1, PEG-40 hydrogenated castor oil, PPG-26 buteth-26, butylene glycol, PEG-7 glyceryl cocoate, glycerin, glycol distearate, polyquaternium-7, silk amino acids, D-panthenol (provitamin B5), dimethicone copolyol, guar hydroxypropyltrimonium chloride, magnesium sulfate (epsom salt), ethylhydroxyethyl cellulose, phenoxyethanol, chlorophenesin, benzoic acid, sorbic acid, ricinus communis (castor) oil, aloe barbadensis leaf juice, retinyl palmitate (vitamin A), cholecalciferol (vitamin D-3), tocopherol (vitamin E), tetrasodium EDTA, fragrance (parfum), citric acid, blue 1 (CI 42090), green 5 (CI 61570).


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Rejuvenation Rose City Classic Schoolhouse Pendant, Oiled Bronze
- Online Only
- Summary
A classic schoolhouse pendant, Rose City brings glare-free light and vintage warmth to kitchens, bathrooms and hallways. Its simple, tapered canopy, straight rod and opal glass shade pair effortlessly with faucets and fixtures in a range of styles.
- 14" diam., 40" high, overall.
- Hand-blown opal glass shade provides clean, glare-free light.
- Crafted from brass.
- Oiled Bronze finish.
- Hardwire only; professional installation recommended.
- Made in USA.
- Dimensions & More Info
- Overall: 14" diam., 40" high.
- Shade: 14" bottom diam., 8.25" high.
- Takes max. 300W bulb (not included).
- 6 lb. 13 oz.
- UL-certified.
- This product is intended for use in the United States and Canada and is built to United States electrical standards.
- Made in USA.
- Use & Care
- Dust with a clean, dry cloth. Avoid any harsh abrasives or chemicals as they may damage the finish of this item.
- Do not use ammonia-based cleaners, as these will damage the finish of the metal components.
- Shipping
Shipping Information
UPS can deliver most in-stock items within 4-5 business days.
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The shipping rate varies depending on your order total and shipping destination. View Shipping Options and Charges.
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For an additional charge of $17.50 per address, we can expedite delivery to most destinations. This service is not available for some oversize items, items shipped directly from the supplier (including perishable and custom-manufactured items), out-of-stock items and items to be shipped outside the contiguous 48 states.
Orders received by 9:00 p.m., Eastern time, Monday through Thursday will arrive the next business day; orders placed Friday through Sunday will arrive on the following Tuesday.
Return Policy
At Williams-Sonoma, we take great pride in the quality and craftsmanship of our products. Attention to design, materials, safety and construction are our priority. Upon receipt, please inspect your purchase and notify us of any damage; we will arrange for a prompt replacement.
If within 30 days, you are dissatisfied for any reason, you may return your purchase for a refund of the merchandise value. An original receipt or gift receipt is required for all returns and exchanges. Returns with a gift receipt will be refunded in the form of a Merchandise Credit for the amount indicated on the gift receipt. Returns with original receipt will be refunded in the original form of payment, cash and check refunds over $100 will be issued as a company check (may take 14 business days from time of request).
For all cutlery returns (knife sets, single knives, cutting boards, knife sharpeners, and knife storage) please contact us at 888.922.4108 to initiate the return.
We cannot accept returns on monogrammed, personalized, special-order items, custom upholstery, food, items shipped direct from the vendor, or on items damaged through normal wear and tear. Final sale items ending in .97 or .99 cannot be returned.
Made to Order and Final Sale Furniture items are non-returnable, and cannot be cancelled once the order is placed.
For returns of items purchased from your Williams-Sonoma Gift Registry, we will gladly provide a refund or exchange for the merchandise within 90 days of your event or within 90 days of purchase, whichever date is later. View Full Return Policy.
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Rejuvenation Rose City Classic Schoolhouse Pendant, Polished Nickel
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'Bronco Bamma,' Romney make little girl cry
NPR posts apology on website
A 4-year-old Colorado girl is so tired of hearing about the presidential election it drove her to tears.
Abigael Evans and her mother were listening to NPR Tuesday on the way to the grocery store when the girl started tearing up.
When her mother asked why she was crying, Abigael said, "Just because I'm tired of Bronco Bamma and Mitt Romney."
NPR got wind of the story and posted an apology to Abigael on its website titled, "Dear Little Girl: Sorry We Made You Cry About 'Bronco Bamma' And Mitt Romney."
The note went on to say, "We must confess, the campaign's gone on long enough for us, too. Let's just keep telling ourselves: 'Only a few more days, only a few more days, only a few more days.'"
NPR later posted a photo from a reporter with NPR member station KUNC saying, "Abbie is happy now thanks in part to an NPR Politics pin."
Copyright 2012 by CNN NewSource. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Last week while I was working at my computer, my phone chimed with an incoming text. I decided to go with the distraction, so I picked up the phone to read:
I need to miss adoration tonight. Are you going to be there? If not, I'll make it.
The text was from my partner in eucharistic adoration. We fill the same late-night slot at a local parish that offers perpetual adoration. I quickly responded, "No worries, I'll be there."
The brief...


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text: Grace's departure is up there with Shelley's: sad and unnecessary, at least to me. I was working during last night's episode but thanks to my DISH Hopper I was able to record the show and I watched it this morning before coming into work. With four times more recording space than your average DVR I know that I don't have to rush through watching all my shows before recording something else. Lana's story is turning into this depressing, heartbreaking story and it's making me have this love-hate relationship with the show. My DISH co-worker was excited to see Frances Conroy in this episode as the dark angel and I think she did a fantastic job. Sister Mary Eunice is definitely getting control of things and at least she's got that pig Dr. Arden in his place. I love the stick figures!


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I've just returned to work and my baby (5mo) has suddenly decided not to take the bottle of expressed milk, even though we practiced over the last few months and he took it from my partner very well. Is it because he can sense the change and for the first time I'm not around as much??
I come home at lunchtime everyday and give him a breastfeed, but for the morning and afternoon feeds he is not interested in a bottle. Can anyone share their tips? I really really want to keep him on breastmilk for the longest time possible but I fear this could spell the beginning of the end.


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Take our Challenge!! There's something for everyone this week on Pregnancy.org! Take a peek below and see what's new. Click on at least three - five articles below (or more!) that interest you and then weigh in with your thoughts within the comment section of each! Our site is member driven and we want to hear from YOU!! Add YOUR tips, advice, and feedback... even if you disagree! Have a comment that you want to respond to? Go for it!
Video Pick of the Week
Tips for Conception in the Bed
For our TTC Crowd
Progestin Treatment for PCOS Might Reduce Pregnancy Chances
Baby on the Brain: Your Healthy Body Preconception Checklist
Dealing with Secondary Infertility
Making In Vitro Fertilization More Effective
Top Ten Signs You Might Be Pregnant
Recipes of the Week
Recipe: Whole Grain Gluten-Free Sourdough Bread
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Make a Disaster Kit for the Whole Family
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How a Kindergarten Teacher Earned $700,000


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Meet the 2014 Rising Stars of Asset Management
Bullish capital markets and large inflows of new assets in the past 12 months have provided an opportunity for Europe's asset management industry to shake off post-crisis nerviness and establish a more solid footing.
The fourth FN 40 Under 40 Rising Stars in Asset Management, Financial News' editorial pick of the industry's most exceptional younger men and women, showcases those individuals who have helped drive this momentum by finding growth opportunities with innovative strategies that help meet clients' increased demands.
Profiles by Joe McGrath, Mark Cobley, Andy Pearce, Sarah Krouse, Mike Foster, Rachael Singh and Lucy McNulty.
Danat Abdrakhmanov, senior Emea analyst and institutional portfolio manager, Eaton Vance (Age 30)
Kazakhstan-born Abdrakhmanov has been instrumental in driving Eaton Vance's long/short investment strategies within foreign exchange, sovereign credit, rates and equities. A key member of the $293.6 billion US manager's 45-strong global macro absolute-return team, he has helped grow the division's assets from $1 billion globally in mid-2009 to around $12 billion as of mid-2014. Its European net exposures total $4.5 billion and cover 37 countries across Europe, the Middle East and Africa. Abdrakhmanov has risen through the ranks at Eaton Vance since joining as a Boston-based research analyst and trader in global macro absolute returns following his graduation in 2006. The combat sports fan relocated to London in 2012 when he was promoted to senior European analyst and institutional portfolio manager.
Emma Adair, head of client management, Cardano (Age 36)
Less than two years after returning to Cardano as a part-time client manager following the birth of her second child, Adair in 2014 became head of client management and key lieutenant to head of clients Richard Dowell. Adair's increased remit reflects the growth of consultant and fiduciary manager Cardano, which has secured 30% more pension fund client mandates over the past two years. She has played a leading role updating Cardano's website and streamlining external and brand communications. Adair was part of the founding team at Cardano seven years ago. The keen skier is also a trustee and voluntary treasurer at her children's pre-school.
Jeannette Andrews, senior corporate governance analyst, Universities Superannuation Scheme (Age 29)
Andrews studied biochemistry at college, but had no desire to ever see a chemistry textbook again. Instead, in 2003, she took a job at shareholder voting agency Manifest. Today she is a governance expert at the UK's £38 billion universities pension fund. She became senior analyst for responsible investments in November 2013, having joined USS in 2008. She helped design a £210 million global equities fund in 2013, which invests in companies producing steady dividend growth. It outperformed the MSCI All-Countries World index by 1.5 percentage points in its first year. Andrews also represented USS advising the UK government on company director remuneration regulation, and the Financial Conduct Authority on minority shareholder protection. Her latest focus is Japan's new Stewardship Code.
Jonathan Baltora, portfolio manager, Axa Investment Managers (Age 29)
A self-confessed markets fanatic, Baltora wanted to be an air traffic controller as a child but set his sights on a career in finance when studying economics in Paris in the mid-2000s. He cut his teeth at French firm Groupama Asset Management where he became one of the firm's youngest portfolio managers in 2007, aged just 22. After joining Axa's Paris office in 2010, he helped launch the Axa World Funds Universal Inflation Bond, a total return inflation-linked bond fund that he now manages. In the past 12 months, his fund has nearly doubled its assets to around $240 million and returned 4.2% after fees for the first half of 2014.
Michael Barakos, chief investment officer, European equities, JP Morgan Asset Management (Age 37)
Barakos manages assets totalling €19.5 billion across six funds and has had responsibility for the 44-person behavioural finance team within JP Morgan Asset Management's equity business since 2009. The largest fund under his management, the €2.5 billion European Equity Plus fund, achieved returns of 179.8% against a benchmark of 107.8%, from January 2009 to the end of June 2014. It gained 23.4% in 2013 against a benchmark of 16.5%. The strong performance helped attract significant new investment, totalling $1.6 billion of net inflows in 2013. Oslo-born Barakos, who joined the firm in 1999 as an investment analyst, also oversaw the launch of the Europe Equity Absolute Alpha fund in 2014, which has raised €28.3 million.
Chris Bullock, fund manager, Henderson Global Investors (Age 37)
Bullock led the launch of Henderson's Horizon Global High Yield fund in November 2013, the fourth addition to the firm's credit fund range developed and managed by the Aston University alumnus since he took over joint management of the absolute-return credit fund in 2006. Bullock now manages assets totalling £3 billion. The global high-yield fund secured returns of 6.39% against peer group returns of 2.5%. Henderson's €1.4 billion Credit Alpha fund outperformed the index, returning 7.29% to the end of July 2014 compared with 2.07% for its benchmark, according to FE Analytics. Bullock joined Henderson in 2003, following stints as an analyst at Insight and as a business analyst at Accenture.
Virginie Callegari, head of structured products, Emea, Deutsche Asset & Wealth Management (Age 36)
Based in Geneva, Callegari spent eight years advising clients in the investment banking arms of Calyon and Societe Generale before joining Deutsche Bank's asset and wealth management division in 2010. She was promoted to head of a four-person structured product development team in 2012 and its sales and revenues have subsequently risen by 30% a year. Inflows hit €2 billion in the 12 months to July 2014, as a result of product innovations. In the past 12 months, Callegari has been instrumental in developing a range of structured products, which use different risk factors to achieve varying rates of return. To relax, she goes kitesurfing when family duties permit.
Dominic Carpenter, head of structuring, Legal & General (Age 34)
Former banker Carpenter has been using his four years at Credit Suisse to help Legal & General build out its bulk pensions buyout and longevity swaps business. Joining the UK insurer in 2012, transaction-driven Carpenter has since played a key role in BAE Systems' £2.7 billion longevity swap, which completed early in 2013, and in the record-breaking £3 billion pensions buyout that L&G signed with the ICI Pension Fund in March 2014. The Caterham kit-car racer previously established Credit Suisse's longevity business "from a blank sheet of paper", working on landmark deals such as Babock International's $750 million longevity swap, the first in the UK. He says his specialism is any deal that's messy and complicated.
Sion Cole, head of client solutions, Aon Hewitt (Age 36)
Cole is responsible for the client-facing and sales team within consultancy Aon Hewitt's 49-person UK fiduciary business, advising on around £6.2 billion for 67 pension funds. He says every fund has outperformed its benchmarks over the past 18 months. In early 2014, he was also appointed to the firm's 10-strong UK leadership board. The Welshman joined Aon Hewitt in 2006 as a Bristol-based investment team head and over the next three years helped grow the team from five to 15 and revenues from £700,000 a year to £2 million. In 2009, he helped design the consultancy's fiduciary management service before moving to UBS Global Asset Management in 2010 to head its UK and Ireland fiduciary offering. He returned to Aon Hewitt to take on his current role in 2012.
Siddharth Dahiya, head of emerging market corporate debt, Aberdeen Asset Management (Age 32)
Dahiya was promoted in May 2014 to the newly created role of head of Aberdeen's seven-person emerging market corporate debt team, which manages around $2 billion of $13 billion of emerging market debt. Dahiya has helped to run the $350 million Aberdeen Emerging Markets Corporate Bond fund since its launch in 2011. The fund has beaten its benchmark since inception and returned over 7% for the year to mid-August against JPM Corporate EMBI Broad Diversified's 6.3%. Born and raised in India, Dahiya began his career at India's ICICI Bank's investment banking division in London in 2006 after completing his MBA at the Indian Institute of Management. He moved to Aberdeen as an analyst in 2010.
Geir Espeskog, head of iShares Nordics, iShares (Age 38)
Norwegian-born Espeskog was rewarded for his success in establishing BlackRock's iShares business in the Nordics, with a promotion in 2014 to managing director of the iShares Nordic office. Since joining the firm in 2010, following stints at Barclays Capital, Merrill Lynch and Goldman Sachs, he has built the Nordic business to a unit with assets totalling $8 billion, making iShares number one by assets among ETF providers in the region. Supported by a three-person team, he played a key role in 2013 in setting up a marketing collaboration with Finnish wealth manager Mandatum Life, which he says helped open up the ETF market to retail clients - a tough market to break into - and it has sparked interest from local wealth managers.
Edward Farley, head of European corporate bonds, Pramerica Investment Management (Age 38)
Farley has been building Pramerica's European presence since joining the fixed income subsidiary of the US giant Prudential Financial in 2007, and in November 2013 he was promoted to managing director. His European team has secured 12 new global corporate mandates – including from pension funds – since April 2012, helping push European investment-grade corporate assets to $7.5 billion. Pramerica has $418 billion in fixed income assets globally. Farley, who manages a nine-person European corporate bond team and runs the global corporate bond mandates together with US colleagues, started as an accountant at PwC, but switched to the buyside joining asset manager Gordian Knot in 2002. Within a year, he was a portfolio manager and team leader on a corporate bond and credit derivatives fund.
Jamie Forbes, director, European index business, Russell Investments (Age 35)
Forbes was appointed to co-head Russell's European index business at the beginning of 2014, alongside Stephane Degroote, with responsibility for its product development, marketing, sales and client services and managing a team of seven. She had previously been a regional director selling Russell's indices and products to pension funds, consultants and sovereign wealth funds in Europe. Forbes has most recently been focusing on offering smart beta solutions to European clients and helped attract more than $2 billion in pension fund commitments to Russell's alternative indices in the past year.
US-born Forbes joined Russell, which is to be taken over by the London Stock Exchange Group pending regulatory approval, in 2003. She relocated from Seattle to London in 2007 as a client executive.
Outside work, she became the chair of trustees for a new charity that supports survivors of sexual abuse in 2014. She has also recently taken up running and completed her first marathon in four hours and 19 minutes.
Lennart Frijns, manager, emerging market equities, APG Asset Management (Age 33)
Frijns was promoted in July 2014 to manage Dutch pension manager APG's five-person emerging markets equities investment team in Amsterdam, with responsibility for assets totalling €2 billion and joint oversight of the fundamental investment strategy for the €32 billion APG global emerging market equities fund. He has since helped the fund beat the MSCI Emerging Markets index by 80 basis points and broadened its scope to include stocks in Greece, UAE and Qatar. His interest in equities was sparked as a student in the late 1990s when investing in technology IPOs helped him finance his ski trips. Frijns joined APG in 2009 after five years at Dutch firm Robeco, to launch its Latin American equities portfolio, before rising to a senior portfolio manager in 2011.
Jason Granet, head of international liquidity portfolio management, Goldman Sachs Asset Management (Age 36)
Granet runs Goldman Sachs Asset Management's international money market and short-duration portfolios, with responsibility for a team of seven and assets totalling $89.6 billion. In 2013, he grew his assets by $19.6 billion, helping GSAM's global liquidity management unit to rank third in the industry by size, up from fourth the previous year, according to data provider iMoneyNet. Joining GSAM's fixed income team as an analyst in 2000, the University of Michigan graduate moved to its portfolio and risk strategy group in 2004 before rising to co-head the six-person secured funding team on GSAM's central funding desk in 2007. He moved to London in 2010 to take on his current role and was named a managing director in 2012.
Lewis Grant, senior portfolio manager, Hermes Fund Managers (Age 33)
Grant has been instrumental to Hermes' environmental, social and corporate governance push. Having spent the past two years building up its ESG data capabilities and strategies, he led the development of Hermes' ESG equity fund, which launched in May 2014 and has assets of £240 million. Grant was persuaded to join Hermes' global equities team as a quantitative analyst in 2008 by its global equities head Geir Lode, after six years at Aon Consulting. Within a year, Grant helped launch and co-manage the Hermes Global Equity fund. It has since delivered annualised returns of 18.4% against a benchmark of 16.3%. The Leicester City Football Club supporter became a senior portfolio manager in 2009 and now deputises for Lode as part of a four-person team with assets totalling $2.5 billion.
Toby Hayes, multi-asset fund manager, Franklin Templeton (Age 38)
Hayes has played a key role in establishing Franklin Templeton's global absolute-return investment process. He joined in September 2013 as a multi-asset fund manager and is a member of the global investment committee that defines the firm's multi-asset allocations and strategy and is central to its investment process for global managed portfolios and derivatives. As part of a team managing assets totalling over $42.8 billion, he helped develop and now runs two multi-asset Ucits funds which soft launched in the UK in May 2014. The keen guitar player began his career at Insight Investment's multi-asset group in 2003, working with Patrick Armstrong pioneering the use of derivatives in multi-asset absolute-return investing. In 2009, Armstrong and Hayes established global macro manager Armstrong Investment Management.
Thomas Höfer, co-head of credit fixed income for Emea, Deutsche Asset & Wealth Management (Age 39)
Höfer has enjoyed a strong run at Deutsche Asset & Wealth Management since joining in 1999 to set up its euro investment-grade credit team. Since then, he says its product has only had one down year, in 2008, which was more than made back in 2009. Promoted to European co-head of credit in 2012, Frankfurt-based Höfer manages €30 billion of assets and is supported by a 25-strong team alongside his colleague Markus Wiedemann. His tasks also include managing 70% of the €8 billion Deutsche Bank Pension Fund. A keen mountain biking enthusiast, Höfer plans to take part in Europe's Transalp challenge.
Justin Jewell, portfolio manager, BlueBay Asset Management (Age 33)
Former UBS trader Jewell joined asset manager BlueBay in 2009 to head its high-yield bond trading team before switching to portfolio management in leveraged finance in 2012. He was promoted within a year to manage seven high-yield funds and co-manage the BlueBay High Yield Bond fund. The fund's assets have since grown to €1.3 billion as at June 2014, and it posted an annual return of 14.34%. Jewell also played a key role in the development of a new type of fund. Awaiting regulatory approval, it will be dedicated to contingent convertible bonds issued by European financial institutions.
Erik Landgraff, portfolio manager, Skagen Funds (Age 29)
Landgraff was recruited as Skagen Funds' first-ever junior portfolio manager in the summer of 2012, beating 400 other applicants to a programme initially intended to last two years. Within 11 months, he was made a full manager on Skagen Kon-Tiki, the Norwegian fund manager's £5.3 billion flagship emerging market equity fund. In the past 12 months, it has returned 8.3%, 6.5 percentage points ahead of the MSCI Emerging Markets index. Landgraff cut his teeth at consultancy McKinsey, where he worked as an associate pursuing generalist research interests across multiple sectors between 2010 and 2012. Outside of work, he is learning Turkish and getting to grips with sailing his new boat around the fjords of Norway's West Coast, from Stavanger, where Skagen is based.
Jeremy Lee, global pension risk senior manager, HSBC (Age 36)
Actuary, writer and amateur violinist Lee started his career at investment consultancy Mercer in the early 2000s. He qualified as an actuary in 2003 and after stints at PwC, Swiss Re and boutique consultancy Redington, he moved in 2012 to the in-house UK pensions team at Santander. There he helped integrate its seven legacy pension funds into a single £8 billion scheme, and incorporate the bank's pension scheme risk into its capital models. With these projects largely complete, in August 2014 Lee stepped up to a global role on the pensions risk team at HSBC, where he will work on the bank's various group pension funds, with total assets worth $41 billion. He says the most valuable quality an investor can have is humility.
Wolfgang Mader, head of investment and risk strategy, risklab, Allianz Global Investors (Age 38)
Appointed a managing director within Allianz Global Investors' global solutions unit in early 2014, Munich-based Mader has led the investment strategy at risklab, the firm's risk management and asset allocation subsidiary, since 2010. Heading a 14-person team advising on €38 billion in assets globally, he has helped grow the firm's risk-weighted product in the UK. He has also helped Allianz GI secure large risk management mandates from German blue-chip companies and their pension schemes over the past year. Mader joined Allianz GI in Munich in 2005 as a financial engineer on the risklab investment strategies team, after five years as a banking and finance lecturer and as a consultant to insurers and investment banks on asset allocation and financial planning.
Ursula Marchioni, head of equity strategy and ETP research, Emea, iShares (Age 37)
Marchioni joined BlackRock's iShares investment strategy and insight team in 2012 from Credit Suisse and was promoted after just one year to supervise the US giant's European research and strategy across its exchange-traded products. This includes overseeing research for the iShares European-domiciled equity range, which manages around $152 billion across 177 exchange-traded funds. She runs a seven-strong unit and plays a significant role in strengthening BlackRock's ETF business among pension funds and insurers in the UK and the Netherlands. In February 2014, she was appointed to co-lead a regional initiative spearheaded by iShares European head Rachel Lord to compare ETFs and futures and identify cost efficiencies for clients. With responsibility for the analysis supporting the project, Marchioni works alongside iShares' European capital markets head Leland Clemons, who manages the execution of trades.
Mark Martin, head of UK equities, Neptune Investment Management (Age 34)
Martin became head of Neptune's UK equities team in February 2014, six years after joining from law firm Allen & Overy. The promotion followed strong performance from the Neptune UK Mid Cap fund that Martin has managed since inception in 2008. In the past 12 months, it returned 20.3% against 14.4% by the FTSE 250 index. Its performance is top decile so far in 2014 and has been every year since launch. Martin invests in stocks that participate in economic recovery, structural growth and turnarounds. He found particular success in housebuilding stocks in 2010, but has since trimmed his allocation. In his limited spare time, he enjoys playing "anything with a racket".
James McDaid, investment manager, GAM (Age 36)
When Derry-born McDaid joined GAM's managed portfolios investment team in 2012, he was given responsibility for launching and running the five funds included in its new discretionary fund management range for independent financial advisers. Supported by his co-manager and former Quilter colleague Charles Hepworth and a 30-strong research team, assets grew to £316 million by mid-2014. McDaid's willingness to use lesser-known funds to generate alpha within the portfolios has attracted significant interest from the IFA community. His target is £1 billion of assets by 2016. He spent 11 years at private client wealth management business Quilter, as an assistant fund manager and then investment manager on the firm's managed portfolio service.
Ryan McGlynn, head of Emea capital advisory, JP Morgan Private Bank (Age 32)
McGlynn was promoted in 2013 to oversee JP Morgan Private Bank's lending to European high net worth and ultra-high net worth clients. Supported by his 25-person team, he has since grown the unit's loan book by $3.5 billion, to over $17 billion, by targeting regional opportunities in illiquid credit, such as residential property outside the UK, and implementing new lending products such as margin loans. McGlynn has held a number of roles since joining JP Morgan a decade ago. After starting at its private bank's fixed income trading team in New York, he relocated to the UK in 2012 as an executive director and head of its European capital advisory business.
Adam Proctor, team leader and senior private banker, Citi Private Bank (Age 35)
Coming from a family of doctors, Proctor initially considered a job in medicine but on finding the sight of blood too much, he opted for a career in wealth management instead. Joining Citi Private Bank as a vice-president in 2008, after seven years at Barclays Private Bank, Proctor was promoted in December 2013 to managing director of one of Citi's three UK ultra-high net worth teams. He now manages a team of seven and assets totalling $3.5 billion, including his ultra-high net worth client book, which amounts to $1.3 billion, up from $900 million in December 2013. He has been on Citi Private Bank's UK management committee since 2012.
Tom Record, global equity manager, Majedie Asset Management (Age 34)
Majedie persuaded Record to move to London to lead its global equity team in early 2014, marking the end of his 11-year stint at Edinburgh-based Baillie Gifford, which he joined from Cambridge University in 2002. At Baillie Gifford, Record rose to co-lead a team covering European, Australian and Asian stocks for seven years and achieved strong performance figures, beating its benchmark by over five percentage points a year. At Majedie, he launched two long-only global equity funds in June and has added two junior managers to his team. Record says his investment style is to seek out companies with hidden value. He backed Banco Popular of Spain after deciding the strength of its smaller company loan book more than made up for uncertainties over real estate. Record plays hockey and has taken up Eton Fives for a second time, after winning a half blue at Cambridge University.
Nick Samouilhan, multi-asset fund manager, Aviva Investors (Age 33)
A former economics lecturer at the University of Cape Town, Samouilhan decided to pursue a career in asset management when he grew tired of seeing his students drive more expensive cars than his own. He first joined Investec's multi-asset desk in London, where he worked for two years as an analyst, before moving to Aviva Investors in 2010 as an assistant fund manager. He was promoted to fund manager within a year and in 2011 helped launch five risk-targeted multi-asset funds in the UK and Irish retail markets.
He has since overseen the portfolio construction and strategy for the funds, whose assets have grown to over $1.5 billion as at August 2014. The largest, a £230 million multi-asset fund, produced a return of 4.75% for the year to July 2014 compared with peer group returns of 4.49%. In January 2014, his remit was further expanded to include management and development of the firm's new multi-strategy funds.
Mamadou-Abou Sarr, global head of environmental, social and governance investing, Northern Trust Asset Management (Age 35)
Senegalo-Beninese Sarr, who is based in Abu Dhabi, took on the newly created position of global head of Northern Trust's ESG investing in June 2014. The promotion followed his success building Northern Trust's ESG capabilities from scratch with the creation of three ESG equity index funds, the first of which he developed and launched in late 2013. Assets have grown to over $1 billion, with investments from large pension funds, including the UK's National Employment Savings Trust and Sweden's AP4, and European charities. The Chicago Bulls fan joined Northern Trust in London in 2011 as a senior investment strategist for global equity, following stints at the asset management arms of HSBC and Morgan Stanley in London, the fund of hedge funds Amundi in Paris and Citi in Dakar. A runner and gym fanatic, Sarr moved to Abu Dhabi in 2013 to help develop the firm's presence in the region.
Matthew Shafer, head of international distribution, Natixis Global Asset Management (Age 35)
Shafer joined Natixis from Bank of America Merrill Lynch in September 2013 to lead the development of its UK retail asset management business, and was given an international role just four months later. He now oversees the distribution of the firm's Luxembourg and Dublin-domiciled funds, and UK open-ended investment companies, as well as Natixis' global strategy for wholesale and retail activities. His 42-strong team has increased by 10 since he took over, and net sales across retail and wholesale rose 112% in the 10 months to June 2014, to reach €2 billion. Shafer began his career at Eaton Vance's Boston office in 2003 and moved to Bank of America in 2007. By 2012, he was in London as European head of alternative investments and managed solutions.
Suhail Shaikh, chief investment officer, Fulcrum Asset Management (Age 35)
Shaikh cut his teeth at Goldman Sachs Asset Management having graduated from the London School of Economics in 2000, spending five years working across its equity, fixed income and multi-asset desks in New York and London. In 2005 he was persuaded to join investment manager Fulcrum Asset Management as head of investment strategy by a former GSAM colleague and Fulcrum co-founder Andrew Stevens, and was promoted to chief investment officer in 2007. In the past 12 months, his 23-strong investment team has doubled its assets under management to $2.8 billion at August 2014. Last year, the keen badminton and squash player also led the development of three multi-asset alternative beta funds, which launched at the end of July 2013 and have since raised over $1 billion. The largest, the Fulcrum Multi Asset Volatility fund, has attracted assets of about $750 million with investments from FTSE 100 companies' pension schemes and the UK subsidiaries of Fortune 500 companies.
Alex Struc, portfolio manager, Pimco (Age 35)
Moldova-born Struc began creating a European financial sector-focused fund in 2011 with Philippe Bodereau, the bond giant's global head of financial research, to capitalise on the region's recovering banking sector. Launched in July 2013 with $100 million in assets, the fund invests in fixed income securities issued by banks. It has grown to over $4 billion, and has returned 14.32% before fees since launch. Struc joined Pimco in London in 2003, following stints at Gartmore and International Commercial Bank.
He became lead European financials trader in 2008, rising to senior vice-president in 2011. In 2013, he was promoted to executive vice-president and given oversight of the firm's trading and spread products for European credit counterparties. As a teenager he swam freestyle for Moldova's national team.
James Sym, fund manager, European equities, Schroders (Age 30)
Sym moved to Schroders in July 2013 as part of its acquisition of Cazenove Capital, which he had joined six years earlier from Cambridge University. After strong performance from his £333 million Schroder European Alpha Income fund, which has produced 73% returns since its May 2012 launch compared with the FTSE World Europe ex-UK's 47.7%, he was handed the reins of the £1 billion Schroder European Alpha Plus fund in June 2014. Sym says his investment style follows a business cycle approach, focusing on stocks with the potential to outperform at different points in the cycle.
Aza Teeuwen, portfolio manager, TwentyFour Asset Management (Age 32)
Teeuwen was promoted to joint lead manager of fixed income specialist TwentyFour's closed-ended fund, the £333 million TwentyFour Income Fund, in March 2013. Since then, the fund has returned over 27% after fees against sector returns of 1.5%, according to FE Analytics. Teeuwen says five years working on Dutch investor IMC Asset Management's southern European structured products desk gave him invaluable experience seeking out less liquid, asset-backed opportunities in the European bond market. The golf enthusiast has also co-managed the £160 million TwentyFour Monument Bond fund since joining the London-based firm in 2011 from IMC.
Matthew Tillett, UK equities portfolio manager, Allianz Global Investors (Age 31)
Since taking sole charge of Allianz Global Investors' UK Unconstrained fund in 2010, Tillett has helped secure returns of 48.6% over the three years to July 2014, ahead of a 32.5% peer group return. In 2013, he was named deputy portfolio manager of Allianz UK Equity Income fund, bringing his assets under management to more than £78 million. A former chess player for England's junior team, in 2014 he launched the Unconstrained Thinking blog to give investors a view of Allianz GI fund managers' personalities and investing styles. Tillett joined the German asset manager's graduate scheme in London in 2006, and was appointed pan-European equities analyst a year later. He moved to its equities team in 2009.
Laurent Trottier, head of index management, Amundi (Age 39)
Frenchman Trottier manages assets totalling €52 billion across four investment teams and 19 investment professionals in Paris and Tokyo. He has been instrumental in developing a smart beta push by Amundi, one of the UK's five largest exchange-traded fund providers. Building a partnership with ERI Scientific Beta, the commercial indexing arm of the Edhec-Risk Institute, led in June 2014 to Amundi launching a range of passive investment products linked to a strategy index developed by Scientific Beta. A keen runner and climber, Trottier has been developing Amundi's indexing capabilities in equities and fixed income since 2009. He joined Credit Lyonnais Asset Management, now Amundi, in 2002, after three years at State Street Global Advisors.
Simeon Willis, head of investment strategy, KPMG (Age 34)
Willis was the 14th member of KPMG's investment advisory team when he joined from Mercer in 2006; today it employs 65 and advises companies and pension trustees with assets worth £70 billion. In July 2014, he was promoted to head this team in a new role that includes overseeing KPMG's manager research heads in each asset class. He is the man behind KPMG's annual Liability Driven Investment survey, which was first published in 2011 and is the most authoritative source on this £500 billion segment of the UK pensions industry. Willis is also possibly the only investment adviser to have been told to pipe down by Prince Charles, when playing a gig as a drummer in a KPMG jazz band next door to the Prince's residence.
Scott Winship, portfolio manager, Investec Asset Management (Age 29)
Former commodities analyst Winship was promoted to co-manage the £212.9 million Investec Global Gold fund, alongside colleague Bradley George in October 2013. The fund returned 19.36% in the 12 months to the end of June 2014, outperforming its benchmark by 6%. In April 2014, Winship also joined the firm's quality team, a nine-person group of fund managers responsible for spotting equity opportunities for the company's £1.7 billion Global Franchise fund. South African-born Winship joined Investec in Cape Town in 2008 as an analyst within the commodities and resources team and two years later became a global mining equities analyst, a role which prompted his move to London.
Steven Yang Yu, co-head of asset-liability management and investment strategy, Redington (Age 32)
Yu made his first investment aged 13; using 10,000 renminbi in savings to buy Chinese government bonds then yielding 14%, he was able to pay his school fees the next year. Joining consultancy Redington in 2007 after graduating from London's Cass Business School, he was promoted in May 2013 to co–head its asset-liability team alongside 2013 Rising Star Dan Mikulskis. He has since been instrumental in growing the now 12-strong team, which provides investment recommendations to pension funds and wealth managers. Last year, he helped develop innovative strategies for pension fund clients to invest in illiquid credit, such as infrastructure debt, and in social housing finance, and for them to regularly monitor risk and performance. The team has also developed a new volatility-controlled equity strategy which launched in August 2013, and a framework to assist with more sophisticated hedging of inflation risks. In May 2013, the Chinese martial arts fan was appointed to Redington's executive committee.
• Correction: An earlier version of this story incorrectly stated the size of Investec Asset Management's Global Franchise fund at £40.2 million. This has been amended.


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Blood: crazy face*- really-
Iris: here i have alot more where that came from
*rags up on and lights it*
guards are stupid
*spin throw into anther eye state them on fire*
yeah yeah
*cazy laughter and runs around*hurry they comeing!
Blood: alright- crazy look- runs with you- death says your faster than me-
Iris: hehe you have to be when liveing like me
*ducks around a coner into the shadows*
come on now
Blood: follows- death is alway by my side night who just got here only comes when it is dark the others come at there leisure -
Iris: ok
*heavy breathing*
that good to know*
Blood: nods- yup death all ways follows me... He says he follows everybody just I am the only one to notice him- whispers : but I don't believe him-
Iris: and why not
if his alway there!
*walking in the dark*
sorry about that
Blood: because he is our a part of the 5 minds of me but I do believe the esscence of death follows-following you-
Iris: hehe i know
*continues on*
Blood( night):....... This body is tired good night human-
( night)
Iris: bye night
*swiftly moves in the shadow to her room and falls asleep*
(bye then)
name:hisaki nimora
in for:10 counts of cannibalism,7 counts of arson,seting someone on fire,20 counts of murder,4 hit and runs
mental state:completely insane,hallucination,bipolar,killing intent from time to time
Last edited by yotsuba oriashi; 11-20-2012 at 12:12 PM.
name: Nick Frankenstein
age: 21
in for: burning down his whole family alive and skinning them up and hang them from the roof
mental state: unstable speaking to self all the time
Name: Lillia Riverson
Age: 17
In for: burning, cannibalism, murderous
Mental state: insane. Hallucination, and acting as if possessed.
Lillia: -humming while she drags her finger across the floor in a white gown, criss-crossed-
Nick: *sitting in a corner drwing scary stuff on the wall with nail*
he he he i did the right thing
yes yes its was the right thing......i'm a good person
they were evil...yeah yeah....i had to get rid of them.....they were dangerous he he he he
Iris: *kicks the session door down when she exited*
screw this shit doc!...
*walks down the hall*
we'll she tommrow doctor Lowmac
*rips the bandages off her hand*
hehe more flamable matrial for me
*smirk while make here way to the community hall*
Nick: she is crazy...dangerous...i have too get rid of her too ....yes yes thats my jobe to destroy the evil he he he he
Iris: hehe...
*muttering under her breath*
Nick: *stalking on Iris *
i'll kill her...I'll kill her he he he
Forum Rules


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Into the Jungle Crochet Pattern
- Tree- 17"T
- Giraffe - 17"L
- Elephant - 9" Body - 14"L
- Lion - 8" Body - 12"L
- Tiger - 8" Body - 10"L excluding tail
- Monkey - 7" Body - 8"L excluding tail
- Buff - 1 skein
- Coffee - 4 oz
- Black - 2 oz
- Med. Thyme - 2 skeins
- Café Latte - 4 oz
- Gray Heather - 4 oz
- Gold - 4 oz
- Light Gray - 1 oz
- Pumpkin - 4 oz
- Warm Brown - 4 oz
(9 reviews)
How do you like this product?
Share your thoughts with the Annie's community.
August 13, 2015
I gave it 4 stars, but did not finish it because I had too many problems making the face on the first "ring" and gave up since I was on a tight deadline. I consider myself an intermediate-level crocheter, but haven't made any toys before so figured maybe that was my struggle. When there's another pending birth in the family maybe I'll try again, but it's definitely not a project to try and rush through.
Annie's Customer ServiceBethanne - when you're ready to tackle this again, please contact our pattern services team. We'll be happy to help you!
May 5, 2015
I'm having trouble with the tree top. Is there an instructional video?
Annie's Customer ServiceMelissa - Unfortunately, we do not have a video that goes along with this pattern. We hope that the clarification that we sent you will help you to complete this wonderful project.
February 12, 2015
Bought this so that I could create for my great nephews baby which will be due this year. I couldn't find the green recommended either online or in stores. Instead, I used a variegated green and it looks even better than the picture.
October 22, 2014
Bought this pattern for my daughter to make. She loves working on stuffed animals so I thought she would really like this pattern.
August 16, 2014
Made this as a gift for my first grand baby and used it as a center piece at the baby shower. It is larger than one would think by looking at the pictures. I agree the grass was somewhat tricky. I added more leafs to the top. I also added plastic canvas to make the bottom not so floppy. Mine did look just like the picture. I did think directions for the top piece were not the clearest, but maybe it's just me.


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"Thank you for the work that you do. This March will mark my third year back in the Catholic Church. By God's grace, he brought me back using Catholic Answers Live and EWTN. I will be forever grateful."
~ JoAnn
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"To God, most Good and Great, in honor of St. John the Baptist, the Maliseets erected this church A.D. 1717."
~ Inscription (in Latin) on a stone tablet, for what is believed to be the first church built in New Brunswick, Canada, in the Diocese of Saint John.


text:
ETSU has a program in place where certain building occupants are appointed "Building Coordinators".
They play a key role in ensuring the safety of building occupants. Some of their responsibilities include:
Please see the following list of Building Coordinators and become familiar with who they are in the buildings you frequent.


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The Internet has exploded in an estrogen-charged fury of pro-girl viral ads, each more emotionally manipulative than the last. And it's a good thing, because prior to the summer of 2014, American girls were languishing in princess towers, completely clueless that they had any value beyond their homemaking and boob-flashing skills.
As a grown woman and a mom of middle school daughters, I'm convinced that the new wave of viral ads are just as pandering and insulting as the things they're trying to prevent. You just have to get past your gut reaction of "Yay! Girls!" to see it.
4Dove Thinks Being Beautiful Is a Woman's Ultimate Goal
The Positive Message
In these Dove Real Beauty sketches published last year, women described themselves to a forensic sketch artist, then other people described the same women to the same sketch artist. The first sketch turned out ugly, and the second turned out more true to life, because apparently all women see themselves as trolls. The takeaway is that as women, we need to be kinder to ourselves, appreciate our beauty, not get so caught up in our own flaws. It's a sweet message for a world that's obsessed with looks and tends to shun actual trolls.
The Actual Message
Being beautiful is good, being ugly is bad. Shame on you women for being bad. Bad girls.
In Dove's eyes, beauty and self-worth are inextricably tied together. You can't get one without the other, like a beautiful one-person human centipede that fuels itself on good feelings. Sorry, that analogy got away from me before I even got to "centipede." The point is that the logic behind this commercial is that these women deserve to feel better about themselves, not because they're good people or smart or seconds away from writing the perfect human centipede analogy, but because they're not as ugly as they think they are. That's it. That's what the women in this commercial have to offer the world in Dove's eyes, which is stupid, because I'm pretty sure Dove could have picked up on at least five new ways to tie oversized scarves if they'd just paid enough attention to the women they were drawing.
This whole ad campaign is Dove's way of shaming women for describing themselves as unattractive, because unattractive is Dove's version of bad. That's why you never see women with interesting birthmarks, crossed eyes, missing teeth, or tiny mustaches in their ads. And also probably why they don't actually include any overweight people in their Real Beauty ads. And why they sell anti-cellulite cream for all the fatties out there.
Pictured: Women who look great in their underwear.
Remember, the women who painted kinder pictures of their new friends did so by describing them as thinner and younger than the women described themselves. Because thin and young is beautiful, and crow's feet and pointy chins and broad noses are, once again, bad. Here's my challenge for Dove: Do this experiment again, but next time only interview obese septuagenarians who suffer from elephantiasis. If you dare.
3Don't Get Caught Trying to Be Pretty
The Positive Message
In Colbie Caillat's most recent video, she wipes off her makeup and erases the Photoshop effects, only to reveal (surprise!) a naturally gorgeous 29-year-old woman underneath it all. And aren't we all naturally gorgeous 29-year-olds (on the inside)? Even if some of us are 30 or 31, it's important to stop being so fake and embrace our natural beauty.
The Actual Message
Makeup makes you fake, and being fake is bad. Bad girls.
The lyrics of the song insist "you don't have to try" when it comes to beauty. Other women take off their makeup as well, and God help you if you thought they looked better with it on. You'd better keep that shit to yourself, because nobody wants to hear it. I'm all for celebrating natural beauty. In fact, I have no problem publishing my makeup-free face for hundreds of thousands of people to make fun of. It's good to be comfortable in your own skin, and that's what I want to teach my daughters. I also want to teach them to OWN THEIR FACES AND BODIES and not let Dove, Colbie Caillat, or me demonize them for wanting to wear makeup or paint their nails.
Speaking of demonizing girls for wearing makeup, shut up, Verizon Wireless.
In this heart-wrenching Verizon Wireless commercial, a little girl is slowly molded into a mindless lip gloss-wearing monster of a human. Her parents must be the worst, what with all their supervised excursions to beaches and creeks and forests. What kind of child-abusing beasts would buy their child the Styrofoam balls, glue, paint, glitter, and string necessary for hanging a freaking solar system in her room? IS SHE BUILDING A ROCKET IN THE GARAGE?
Take two steps back and you see that this kid has been in an amazing learning environment her whole life, one most parents could only aspire to provide for their kids. I have an actual forest in my backyard, and my kids are glued to the TV and probably shooting up dope as I write this. Yes, the commercial includes little motherly asides about not getting dirty and being careful, because that's what parents do. It's called "nagging," and it's kind of our thing. For example, I have an alarm set up to remind my kids to make sure to not leave their syringes on the floor because the dog will get them.
Fast forward to the shot of the girl as a young teen, when Verizon wants us to believe that natural curiosity has been replaced by a short romper and lip gloss, like all hope for her is now lost and she's damaged goods. It's infuriating.
Susan B. Anthony is turning over in her grave.
Even if you overlook the message that little girls can't take motherly asides without devolving into stereotypes, the heart of the commercial is in the line "Isn't it time you told her she's pretty brilliant, too?" BAD ADVICE. Telling kids they're smart is actually the worst thing you can do if you're trying to motivate them toward a successful life. Sorry, straight up killing them is the worst thing, but praising a kid's intelligence over their work ethic comes in a close second. Telling a kid they're inherently "brilliant" over "hard working" sets them up for a life where they think everything is going to come easy to them. So a life of heartaches and disappointments, essentially.


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Baldwin 1 of 12 new US senators taking oath
Dems. Increase edge in Senate
Published On: Jan 03 2013 12:39:05 PM CST
Wisconsin's Tammy Baldwin is among a dozen new U.S. senators taking the oath of office.
Vice President Joe Biden swore in the 12 new senators Thursday, as well as those who won another term.
Democrats tightened their grip on the Senate with 55-45 edge following the November elections.
Baldwin is Wisconsin's first female senator and also the first openly gay candidate ever elected to the chamber. She defeated former Gov. Tommy Thompson, who had never before lost a statewide race.
Copyright 2013 by The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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The Texas Republican Party is throwing a fundraiser tonight featuring the state's big three GOP leaders--Gov. Rick Perry, Lt. Gov. David Dewhurst and House Speaker Joe Straus and "many of our statewide elected officials and state legislators." It's a chance for lobbyists and anybody else with interests before the state to spend some quality time with influential policy makers, who will benefit from the fundraising the next time they seek office.
For $25,000, there is dinner for ten, access to a private VIP reception before dinner and photos with the governor, lieutenant governor and speaker. For $15,000, the same deal applies for six. Meanwhile for $1,000 you will get dinner, but none of the trimmings. Hopefully, the registered lobbyists from our area don't have any conflicting plans this evening.
Not to be left out, Texans for Lawsuit Reform is sponsoring "Girls Night Out" on March 10 for all women legislators, legislative spouses and female staffers. "Join us for good times galore: Manicures, pedicures, chair massages and more," says the invitation for the evening to be held at the luxurious Four Seasons Hotel in Austin. Among lobby groups, TLR is one of the biggest spenders of campaign contributions. The group advocates curbing lawsuits against business denying citizens their day in court in order to maximize profits.
Unfortunately, LiberatedWoman did not receive an invitation to either event (I'm disappointed). The real question though is when can we expect our legislators to stop schmoozing with the lobbyists and get to work to provide the basic services needed in this state?


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Silver Stamped Horseshoe Necklace
As seen on Sarah in NBCs Parenthood, this horseshoe necklace was a very popular style featured in the show. The adorable and delicate Silver charm necklace is bound to bring you good luck in life as well as style whenever its worn. Fashionably wear it by itself for a classic and understated look, or layer it amongst other necklaces to pack a major trend-setting moment.
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MONTICELLO – A reputed member of the Latin Kings street gang, who was arrested for burglary in June, has been arrested again, this time for felony criminal mischief.
Michael Galicia, 19, of Harris, was caught on June 12 while burglarizing a garage where antiques were stored in the Town of Liberty. He was out of jail on 'pre-trail release' when he was arrested again, last Thursday, June 26.
Galicia and a 15-year-old relative allegedly spray painted graffiti on the Ferndale Medical Arts Center and Handsome Freddies apartments in the Town of Liberty, causing several thousand dollars in damage.
Sullivan County Sheriff's deputies were alerted to the damage by a business owner and conducted a series of neighborhood interviews.
Deputy Richard Morgan eventually developed information that led to Galicia, said Sheriff Michael Schiff, who said spray cans were recovered and a confession was secured from the suspect.
The sheriff's office has passed the information on to the school resource officer in Liberty where similar graffiti has appeared recently.
Galicia was charged with felony criminal mischief and misdemeanor endangering the welfare of a minor.
His pre-trial release was revoked and he was remanded to the Sullivan County Jail in lieu of $2,500 bail.
The 15-year-old, who was involved, was referred to Family Court.
MONTICELLO – A Monticello man, who is a self-admitted member of the Crips street gang, was sentenced in Sullivan County Court on Tuesday to 13 years in state prison and five years of parole. Franklin Brinson, 21, also known as "Ace-Loc," had pled guilty to first-degree assault for shooting another man in the face and leg.
The victim has since recovered from his wounds.
The shooting was investigated by Monticello Police and the gun used was recovered.
Sullivan County District Attorney James Farrell said the shooting was the product of gang violence "that will not be tolerated in our community." The district attorney said law enforcement is "committed to rooting out the violence in the Village of Monticello and sending those individuals who engage in this behavior to prison for lengthy periods of time."
The man charged with shooting a 33-year-old in the head and neck on Roosevelt Avenue last week is a suspected gang member, the Queens district attorney said.
Authorities believe 20-year-old Pedro Silva of Jackson Heights is part of the street gang M18, the DA's office said.
Silva was charged with murder, criminal possession of a weapon and tampering with evidence in the Sept. 20 shooting death of Corona resident Ivan Rodriguez, according to the borough's top prosecutor.
Silva, along with several other suspected gang members, chased Rodriguez on the Jackson Heights avenue and allegedly shot the 33-year-old in the head and neck after he fell, the DA said.
M18, which is also known as "Mara 18" and the "18th Street" gang, is a transnational gang with origins in Mexico and California, according to the U.S. Immigration and Customs Enforcement.
After the shooting, Silva allegedly fled and dumped his weapon in the trash near 37th Avenue, according to the district attorney's office.
Police later recovered a .22 caliber gun, five spent rounds and one live round from a pile of garbage located in front of 37-61 88th St., the DA's office said.


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With the exception of solar energy systems designed or installed by the final owner, systems sold or installed in Arizona must be installed by licensed solar contractors and must comply with any consumer protection, rating, certification, performance, marking, installation and safety standards adopted by the Arizona Department of Commerce. Furthermore, the installation of a solar energy system must meet the requirements of all applicable fire, safety and building codes; consumer-protection standards, including freeze protection and temperature-related-damage standards adopted by the Arizona Department of Commerce; and all other applicable federal, state and local laws.
The Arizona Solar Center's web site (see above) provides extensive guidelines describing the types of devices and systems that are subject to state certification, ratings and other standards. Devices with specific certification requirements include solar domestic hot water heating (e.g., UBC, UPS, NEC, and SRCC OG-300 certification), photovoltaics (e.g., UL, NEC, IEC standards), daylighting (e.g., ICBO approval, ENERGY STAR for Residential) and wind energy systems (e.g., AWEA 1.1-1985 certification).


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Zach Feris
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Mr. Feris entered Pre service training on September 23, 1998 at ENTRENA, Santa Lucía, F.M., Honduras. The intensive fourteen week training program was divided into two facets: a Pre service training and a more experiential Field Based Training given in the surrounding area of Zamorano Agricultural School in Central Honduras. The content of the program included:
Technical Training: (200 hours) Community analysis and organization, impact and feasibility diagnosis, topographical studies, water gravity and pump delivery design, excreta and waste disposal system design, construction and maintenance of rural gravity-flow water systems and latrines, formation and training of community water boards, watershed delineation and protection, watershed management and reforestation practices, health and hygiene education, waterborne disease and vector control, environmental education, youth development, and project planning and grant writing. Field experience in all technical topics.
Language Instruction: (250 hours) Formal conversation and written Spanish language using a technique of total immersion in Honduran families and culture, competent development of abstract themes and hypotheses, and small class size (3-4 students). Upon completion of training, Mr. Feris was tested by the American Council of Teachers of Foreign Language (ETS/ACTFL) and received a Superior level in Spanish.
Community Development and Cross Cultural Orientation: (77 hours) Discussion of development theories, community assessment and participation, appropriate technology, women in development, cross-cultural relations, social adaptation and environmental awareness, personal safety and health, and the study of the history, geography, anthropology, politics, religion, art and social context of Honduras. A two-month live-in experience with Honduran families.
Peace Corps Medical/Administrative: (27 hours) Preventative medicine, health, safety and security issues, the administrative processes.
Independent Study: (50 hours) Organize community and youth activities along with other advanced language trainees.
Zachery Feris was sworn in as a volunteer on January 4, 1999. He was assigned to coordinate work efforts with SANAA (The National Autonomous Water and Sewage Service) in the municipality of Manto, department of Olancho.
During the two years of service, Mr. Feris covered a radius of approximately 80 kilometers around Manto, including the municipalities of Juticalpa, Catacamas, Guarizama, Santa María del Real, San Francisco de Becerra, Dulce Nombre de Culmí, El Rosario, Concordia and Campamento. His area of work focused on providing technical support and water/sanitation education to rural communities ranging in size from 60 to 690 inhabitants. Mr. Feris' service can be summarized as follows:
• Topographic studies of 14 rural water systems, including, community analysis, demographic census, feasibility study, hydraulic calculations, materials list and grant proposal, benefiting 2,146 families/13,415 inhabitants, and simultaneously training 12 Honduran SANAA technicians and four newly sworn-in Peace Corps volunteers in the practice of self-sufficient topography.
• Provided technical support to the Catholic Church and Cáritas-Suiza for a latrine project benefiting 266 families/2,005 inhabitants in 9 communities of Manto, and prepared, presented and transferred technical skills and water and sanitation education in a series of 3 one-hour courses in each of these communities.
• Facilitated a four-day Operation and Maintenance of Rural Water System Workshop to strengthen the technical skills of 12 plumbers and 7 Honduran SANAA technicians representing 7 different municipalities.
• Co-facilitated a two-day Topography Workshop to train 12 Honduran SANAA technicians in the theory and practice of self-sufficient topography and water system design.
• Promoted and co-facilitated a Honduran Scout group in Manto with two adult leaders and 10 youths. After continued interest within the group, promoted and encouraged a more ecological focus.
• Co-facilitated a two-day Water Board Workshop with 4 Honduran SANAA technicians and a local NGO to strengthen the technical and programming skills of 14 local Water Boards.
• Promoted the delineation and sustainable management of micro-watersheds through community education efforts in four projects benefiting 833 families/4,933 inhabitants in 16 communities of Manto.
• Prepared, presented and coordinated activities with Peace Corps Training Personnel of ENTRENA and CHP Int'l to instruct Peace Corps Trainees in the areas of Counterpart Relations, Workshop Planning and Project Planning.
Mr. Feris completed all of the above tasks, including all business conversations in Spanish. Upon completion of two years of Peace Corps service, Mr. Feris was tested once again by the ETS/ACTFL and received a rating of Superior in Spanish.