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Remington Model 700 R5 Military Spec Rifle 9663, .308 Winchester , 24, Stainless Steel Finish
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Journal Entry 47
8 comments:
Hi Anthony! How large canvas size do you normally work with?ReplyDelete
pretty large like 5000x5000 usuallyDelete
Awesome mood Anthony! I feel lonely just by looking at it.. But in a good way, I think..ReplyDelete
Awesome! the backstories are give it substance aswell!ReplyDelete
Quite easy to read.ReplyDelete
Like that picture, it's really apealing :)ReplyDelete
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This picture reminded me reading Solaris ages ago. That brings good memories...ReplyDelete
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Is this a planet or someone bold head? Just asking..ReplyDelete
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Contact: Nancy Dunker, associate director of public relations, 630-637-5306
Feb. 12, 2010--Eight North Central College faculty members, known internationally for their work as jazz performers and recording artists, will perform a concert March 12. Their performance will feature arrangements, original compositions and various musical configurations, including the duet, trio, quartet and entire ensemble.
The concert begins at 8 p.m. Friday, March 12, in Wentz Concert Hall, 171 E. Chicago Ave., Naperville. Tickets are $30 and $20; call the North Central College Box Office at 630-637-SHOW (7469) or visit http://northcentralcollege.edu/show.
The featured artists teach in North Central's jazz studies program, which is highly ranked by jazz media for the quality of its faculty and innovative curriculum. Performing in the concert are vocalist Janice Borla, saxophonist Mitch Paliga, trumpeter Doug Scharf, trombonist T.S. Galloway, guitarist John McLean, pianist Frank Caruso, bassist Larry Kohut and drummer Jack Mouse.
Vocalist Janice Borla has shared the stage with such jazz luminaries as Clark Terry, Bunky Green, Bobby Watson, Gary Bartz and Bobby Shew. She is founder/director of the Janice Borla Vocal Jazz Camp and the Hot Jazz-6 Cool Nites concert series held annually on North Central's campus. Her 2006 release "From Every Angle" was named one of the "Best CDs of the Year" by DownBeat Magazine.
Saxophonist Mitch Paliga has played with such notable artists as Randy Brecker, JoAnn Daugherty, Vinnie Colaiuta, Fred Simon and the Nelson Riddle Orchestra. He currently tours with the Lt. Dan Band led by actor Gary Sinise. His new CD "Fall Night" was released by Origin Records.
Trumpeter Doug Scharf is one of Chicago's premier jazz trumpet players and was a member of the house band on "The Late Show" hosted by Joan Rivers. He has performed with such jazz notables as George Benson, Louis Bellson, Clark Terry, Kenny Burrell and Chuck Mangione, as well as with Ray Charles, the Pointer Sisters, Aretha Franklin and Tony Bennett.
Trombonist T.S. Galloway, the College's newest faculty member, is composer/arranger for the Center for Black Music Research and The Jazz Institute of Chicago. An alumnus of the Count Basie Orchestra, he has also performed with Duke Ellington, Eddie Harris, Ahmad Jamal, Aretha Franklin, Red Saunders, Stevie Wonder and John Clayton.
Guitarist John McLean has made appearances at clubs and festivals throughout the United States, Canada and Europe. He has performed and/or recorded with notable artists Randy Brecker, Jane Ira Bloom, Richie Cole, Jon Hendricks, Patricia Barber, Nick Brignola, Jerry Granelli, Marvin Stamm, Janice Borla and Pat LaBarbera. His current CD "Better Angels" was released on the Origin record label.
Pianist Frank Caruso spent three years as featured soloist with the U.S. Navy's premier jazz band, The Commodores, and played with jazz greats Louis Bellson, Maynard Ferguson, Randy Brecker, Ira Sullivan, Alan Dawson, David "Fathead" Newman and the Count Basie Orchestra. He is co-leader of the Massoth/Caruso Group, whose current release is "Songs from the Kingdom of Jazz."
Bassist Larry Kohut is one of Chicago's most active and diverse bassists, performing on more than 40 albums and many film scores. He has played with such major jazz artists as Michael Brecker, James Moody, George Coleman, Bobby Shew, Randy Brecker, Kenny Werner, Vinnie Colaiuta, Mel Torme and Tony Bennett.
Drummer Jack Mouse was the featured soloist with the U.S. Air Force Academy Jazz Band The Falconaires. He has performed with jazz artists Stan Kenton, Clark Terry, Herb Ellis, Joe Williams, Carl Fontana, James Moody, Randy Brecker and the Bunky Green Quartet. His most recent recordings include "From Every Angle" with the Janice Borla Group and "Standard Procedure" with the Dan Haerle Trio.
This jazz concert is one of many ongoing programs at North Central College to enrich and broaden the cultural and academic outlook for the College and community. For a comprehensive schedule of musical performances, theatrical productions, art exhibits and lectures, visit www.northcentralcollege.edu/show or call the box office at 630-637-SHOW (7469).


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Homage to E.P., 1968
Thomas Francis BarrowAmerican, 1938-
Gelatin silver print
Image: 9-1/2 x 12-15/16 in. (24.1 x 32.9 cm); Paper: 9-9/16 x 13-3/8 in. (24.3 x 34.0 cm)
Norton Simon Museum, Gift of the Artist
© Thomas F. Barrow
Not on view
Throughout the history of photography, artists have used the medium to portray actors in their most recognizable roles. A function of marketing as well as self-promotion, these portraits necessarily confuse the conventional goal of portraiture: the identification of an individual. Here, Thomas Barrow's multilayered gelatin silver print presents this same issue. The photographer captures Emma Peel, the fictional protagonist of the popular television show The Avengers. A transparent close-up of the actress Diana Rigg, who played Peel, is caught directly from the artist's screen and laid over an image of a television and a landscape. The dominance of Rigg's face and the moody lighting suggest a Hollywood glamour portrait of the actress. At the same time, the streaks of the screen that make up her face, along with the direct reference to the television at left, reinforce the image's artifice and replication.
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"I have been listening to you on EWTN for about a year now. I left the Catholic Church 42 years ago. After many struggles during this last year, I finally went to confession on Sunday. I cannot begin to explain how excited I am to be home. Thank you so much for helping me on my journey home."
~ Peggy
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"No work of charity should be regarded as foreign to the Society, although its special object is to visit poor families."
~ In outlining the activities of The Society of Saint Vincent de Paul, an international association of Catholic laymen engaging systematically in personal service to the poor, the founders had an eye to the future needs of human kind.


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Woven Trim Sweater
Style: 570088761
Out of Stock
Though it looks layered, this pullover is all one piece. Lotus teal scoop-neck sweater and crisp striped shirt together—and no excess through the middle. Knit: 100% Rayon. Faux shirt: 44% Cotton, 30% Polyester, 23% Nylon, 3% Spandex. Hand wash. Imported.
- Pullover with faux layered shirt.
- Half spread collar. Bias piping. 3/4 sleeve with button-accented rolled cuff. Shirttail hem.
- Hits at mid-hip (25" from shoulder).
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I'm hoping for some advice. I'm breastfeeding my fifth child who was born on the 8th April. I have two elder daughters and two-year-old twins, all my children were breastfed. When I was breastfeeding my second daughter I discovered a lump on my right breast at the edge of my areola. The doctor told me not to worry unless it grew. It never grew but remained there. In my pregnancy this time round I was surprised to find that the lump was releasing colostrum. Now that I'm breastfeeding the hair folicle above the lump is leaking milk quite impressively. My midwife tells me to go to the doctor. I'm just wondering if I really have to. It looks to me that I'm just wired strangely. Goodness knows why this didn't happen when I was breastfeeding the twins. Does anyone have any similar experiences or advice?
Thank you.


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"G'day to all the good folk at Catholic Answers. Words cannot express the invaluable service you provide to the world. Your faith tracts are fantastic and should be a must-read. Catholics need to be equipped with the history and the truth."
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"That is our desire, to be tortured for Our Lord, Jesus Christ, and so to be saved, for that will give us salvation and firm confidence at the more terrible universal tribunal of Our Lord and Savior."
~ Justin Martyr, apologist, Saint; to the Prefect Rusticus after the prefect had threatened Justin with "torture without mercy;" from the trial transcript by Tatian (A.D. 165).


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Dancer and choreographer CocCo Loupe states it bluntly, "I'm a mover. I'm not a writer." Yet for years she penned a blog, "From One Foot to the Other." "I fantasized about having this ongoing, publicly accessible explanation and in effect, 'duplicate' version of my dances. … What I discovered is that those thoughts went into the dance. I couldn't ever recapture them in words in a way that felt satisfying to me."
Earlier this year, she pulled the proverbial plug on the blog, deciding to stop "giving away little pieces of myself that I actually wanted to keep close and private. I wanted them to stay in my imagination so that they could build and layer into new dances and new artworks and new perceptions."
Now, harnessing the creativity of three performers who "have come to dance later in life" plus members of the local dance collective They Might Be Dancers and others, Loupe has transmuted those built-up imaginings into the dance bearing the same name as the defunct blog.
Although she used the moods, ideas, and words of blog posts to generate gestures and dance phrases, she was thrilled to find that "the richest, loveliest and most captivating movement and motion and the stuff that I've learned the most from and like to watch the most is the movement that has been created by everyone else. Their unique voices … bring something ephemeral and transcendent to this work. It's the stuff that really speaks the thoughts of the dance."


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Clueless: What Graduates Need to Know About Making Financial Decisions
by William Reichenstein and Tom Potts
Today's college graduates are usually enthusiastic and well-trained in their discipline.
But they are often clueless about financial matters.
Unfortunately, the fallback position is typically to do nothing. But these early-year "non-decisions" can have a detrimental effect on their financial well being throughout their working lives, and especially in retirement. If only they had known how important it is to make good decisions in these early-year financial matters!
This article is aimed directly at the younger generation, and it designed to help them avoid such financial mistakes.
A Tale of Two Graduates
Let's start with a simple story of two young people just entering the workforce. Although the names and details are fictional, the decisions they make and their consequences are typical of the youth of every generation.
Let's start with Todd. It is the best of times for Todd. He graduates from college at age 22 and is anxious to begin his career and show the world that he has arrived. His first job pays $40,000. He rents a quality apartment in a popular area. Although he has some furniture from his college apartment, he buys mostly new furniture with his credit card. He also buys a new Camry, which he finances with a 60-month loan. Although his old car has years of useful life in it, it would not show the world that he has arrived. In a typical workday, he charges $20 for Starbuck's coffee, a bagel, and his lunch. In addition, he eats dinner out about four days a week. Although his firm matches 401(k) contributions up to 6% of salary, he forgoes this opportunity, while promising himself that he will begin saving at the first opportunity. [A later section explains the terms: 401(k) and matching contributions.]
Now let's turn to Sylvia. Sylvia also graduates from college at age 22 and takes her first job with a salary of $40,000. Although she would like a new car, she decides that her five-year old sedan has several years of useful life in it. Budgeting for unanticipated expenses, she rents a cute but modest apartment in a middle-class neighborhood. She begins saving 6% of her salary in the firm's 401(k) plan to attain the firm's 6% matching contribution. In addition, she decides to increase the percentage of her salary that she will save by 1% each year until she will be saving 10% beginning her fifth year. Since the savings increases will coincide with her annual salary increase, she will be allocating part of each salary increase to savings, while enjoying the fruits of the remainder. Sylvia makes a sack lunch four days a week and treats herself to lunch once a week. In addition, she occasionally skips a prepared lunch to join friends for lunch. She tries to limit her restaurant outings to about once a week. Although she has a credit card, she pays the balance each month.
Now let's look down the financial road at these two individuals, assuming that they continue to make their financial decisions based on these patterns of behavior.
At five years past graduation, Sylvia has no credit card debt, but she has one year remaining on the loan of a new car she bought two years earlier. She is now saving 10% of her salary (which has increased over the years) in the 401(k) plan. She has also started to save $150 a month for a down payment on a house. The 401(k) funds are invested in stocks earning 10% and the savings for the down payment are invested in short-term bonds earning 4%. At 27, she has more than $40,000 in the 401(k) plan and about $3,750 saved for the house down payment.
At eight years past graduation, part of Sylvia's salary increases have gone toward more retirement savings (she is now contributing 15% of her salary each year) and more house savings. She has no credit card debt, has amassed over $93,000 in her 401(k) plan, and has already bought her first home (and her good credit ratings meant she qualified for a lower mortgage rate on the home purchase). Excluding the values of her car and household possessions, her net worth is over $113,000.
Todd, however, has taken a far different financial route. At five years past graduation, he has postponed his plan to begin contributing to his firm's 401(k) plan because of other purchases he wanted to make, and he now has credit card debt of $30,000. His net worth is negative. Yet he continues to spend. Salary increases due to promotions go toward higher-rent apartments, more expensive cars (which he leases) and other "rewards" to himself. In addition, he decides to "invest" $3,000 in a "hot" penny stock on which he received a tip.
At eight years past graduation, Todd has yet to begin saving for retirement. Moreover, the prospects for him beginning a savings program are not good since most of his take-home pay is already committed for payments on apartment rent, car lease, a new boat and the minimum monthly payment on his credit card debt. He has $30,000 in credit card debt and owes $10,000 on his new sailboat, plus he still owes three years of car lease payments, which is like a debt obligation. If we exclude the values of his sailboat and household possessions, his only asset is the penny stock, which is now worth only $1,000. His net worth is negative—substantially negative.
The story will not end here. These saving and spending patterns will likely continue for the rest of their lives, or until Todd is forced to change.
Procrastination Is Expensive
The problem is that Todd's financial choices are expensive, not only in current terms, but even more so in future terms. A recent financial study suggests that a 30-year-old with no prior savings would have to save almost 12% per year of future salary to be ready for retirement—and Todd will have to save even more, since his net worth is negative. In contrast, given Sylvia's current retirement savings (and ignoring her home equity), the study indicates she will only need to save 6.8% per year to be ready for retirement.
In fact, the cost of procrastinating early in life is the need to save a larger percentage of income later in life. And the longer Todd procrastinates, the larger the percentage of income he will need to save. To put numbers on it, that same study estimates that if Todd gets out of debt and begins saving for retirement at a later age, he will need to save each year:
- 11.8% of salary if he begins at age 30;
- 14.6% if he begins at age 35; and
- 17.6% if he begins saving at 40.
Since he could not save even 6% the first year to attain the matching contribution, the chances are poor that he will suddenly begin saving sufficiently to meet his retirement needs.
In contrast, Sylvia not only owns a house, but she is well on the way toward a financially secure retirement, maybe even an early retirement.
The Moral of the Story
The lessons presented in this story are simple:
- You should begin saving for retirement right away. At a minimum, make sure you attain any matching contributions that your firm may offer.
- Use part of salary increases to increase the percentage of your salary saved. Windfalls such as an inheritance or IRS refunds should be used in the same manner. Don't use all of your take-home pay to finance your lifestyle—you will never be able to begin serious saving for retirement.
- While you should be cautious about taking on any kind of debt, there is a difference between good debt and bad debt. Debt used to finance "things"—credit card purchases, cars, any depreciating asset—is "bad" debt and should be minimized. Home purchases are assets that will probably increase in value, and debt used to purchase homes is "good" debt, or at least "not as bad as bad debt." Good debt is typically less expensive than bad debt—mortgage interest rates typically are much lower than credit card interest rates, for instance. Mortgage payments also are typically tax deductible, while the interest on credit cards and similar loans are not.
These lessons take willpower and thus may be hard to follow, but they are easy to understand.
In the remainder of this article, we will expand on these lessons, presenting primers on savings decisions, retirement plans, investments and investment decisions. This information is designed to help young people get a jumpstart on their finances by making good financial decisions in the first years of their careers.
A Primer on Savings Decisions
You may not realize it—and perhaps it is a bit unfair—but most young people today need to save a greater percentage of their paycheck than their parents, and much more than their grandparents, to ensure sufficient funds for a financially healthy retirement.
Your grandparents may have worked 43 years and, if still alive, retired at 65, when their life expectancy may have been five years. To provide some leeway in case they lived past life expectancy, they may have planned to finance a 10-year retirement.
Your parents may work some 43 years, retire at 65, and then have a 17-year life expectancy. To be prudent in case they live past life expectancy, they may plan for a 25-year retirement.
You may work 43 years and retire at 65. But given medical advances, today's 20-somethings may have a 25-year life expectancy by age 65. And to be prudent, you may need to plan for a 35-year retirement.
The situation for today's graduates is even worse when Social Security is considered. Your grandparents and perhaps even your parents could depend upon Social Security to provide part of their retirement needs. But when today's graduates are ready to retire, it is unclear whether Social Security will be around and, if it is, what benefits it might pay. Today's graduates who do not save adequately may have to work until 70 or later to finance their longer life expectancies.
Your savings decisions should focus on two key action plans:
- You should begin saving right away, and
- You should increase the percentage of salary saved until your contributions (or your plus your firm's contributions) are perhaps 10% to 15% of salary.
The first key can be achieved by signing up for your firm's retirement plan, whether it is a 401(k), 403(b), or another plan. All firms will encourage employees to join their retirement plan. In most retirement plans, the default option is for new employees not to enter the plan. New employees may opt in, but about half do not. Today, many retirement plans have changed the default option to that of automatically enrolling new employees in the plan. Although they may opt out of the plan at any time, changing the default option dramatically increases participation rates.
The second key can be achieved by increasing the percentage of salary saved until your contributions (or your and your employer's contributions) are perhaps 15% of salary. In an optimal world, you would take the initiative to increase the savings percentage by perhaps 1% or 2% per year until you are saving the desired amount. However, most of us procrastinate and, left on our own, would never get around to increasing the savings rate. To offset this inertia—indeed, to make it work for us—some retirement plans are encouraging employees to sign up for an automatic annual increase in savings percentage. Each year, timed to coincide with the firm's salary increases, an employee may increase the percentage of salary saved by 1%, 2% or 3% until he is saving the maximum allowed in the plan. You can always opt out of this agreement, but the encouraging news is most people do not. However, since most retirement plans do not provide for automatic savings increases, you may have to follow Sylvia's example and make it a point to increase your savings rate each year on your own, without prompting from your employer.
A Primer on Retirement Plans
Our savings decision focuses on employer-sponsored retirement plans, but many young employees have little understanding of how these plans work.
Defined-Benefit vs. Defined-Contribution Plans
In a defined-benefit plan, the employee receives retirement benefits that are defined based on his or her employment history usually at that firm. The defined-benefit plan may promise the employee a monthly income for the rest of his or her life based on years of service and average salary. For example, the firm may promise an annual retirement income of 1.8% × years of service × average income in highest three years. A 30-year employee of that firm may be promised $35,100 a year or $2,925 per month for the rest of his or her life [1.8% × 30 × $65,000]. In a defined-benefit plan, the firm saves the money, makes the investment decisions, and bears the investment risk, while the employee receives the benefits.
Some firms and occupations still offer defined-benefit plans—for example, career military, policemen, firemen, and teachers are usually covered by defined-benefit plans. But for the most part, these kinds of plans are being phased out. Many for-profit companies have moved to defined-contribution plans, and more are expected to follow.
In a defined-contribution plan, the employee makes the investment decision and bears the investment risk. The firm may contribute to the plan, but the employee is also able to, and generally should, contribute to this plan.
In a defined-contribution plan, the employer may be required to make a contribution that is defined as a percent of current income. For example, a firm may contribute each year 6% of the employee's income. At other times, the firm agrees to match employee contributions up to 6% of income. That is, if the employee contributes 3% or 6% of income to her retirement plan, the firm will make matching contributions of 3% or 6%. The employee may contribute more than 6%, but the firm will only match the first 6%.
It should be clear that all employees, including new graduates, should make every effort to save at least enough to capture all of the company's matching contributions.
The other issue you need to understand about contributions is "vesting"—that is, the employee's right of ownership of the employer's contribution to your retirement benefits. The vesting schedule for your retirement plan is determined by your employer, and it applies only to employer contributions and earnings on employer contributions; employee contributions are always immediately vested. The vesting schedule determines your ownership rights to the contributions; typically you accrue more ownership rights the longer you stay at a firm.
Tax-Exempt vs. Tax-Deferred Plans
Table 1 presents a list of some of the more common retirement plans. In a 401(k), 403(b), 457 plan, and traditional IRA, the contributions (i.e., amounts saved) are pretax funds. In these tax-deferred qualified accounts:
- The individual's contributions are deducted from that year's taxable income,
- Returns grow tax deferred until withdrawal,
- Withdrawals from the plan are fully taxable as ordinary income. In addition, withdrawals made before retirement age (typically 59½) are usually subject to an additional 10% penalty tax, so these savings plans are intended for retirement savings.
- If you leave your employer, you can take your contributions (and the vested portion of your employer's contributions) with you by rolling the total over into a new employer-sponsored plan or a traditional IRA, or by taking an early distribution (which is subject to taxes and early withdrawal penalties).
In the Roth IRA, Roth 401(k), and Roth 403(b), the individual contributes aftertax funds. In these tax-exempt accounts, the individual does not get to deduct the contribution amount from that year's taxable income. So, there is no immediate tax savings. However, if withdrawn after 59½, withdrawals, including the decades of returns on investments, are tax exempt. [For further information on the decision to save in a tax-deferred account or a tax-exempt account, see Waltenberger, Rothermich, and Reichenstein at www.tiaa-crefinstitute.org/research/trends/tr030106.html.]
Let's consider an example. Sylvia works for a firm that offers a 401(k) and a Roth 401(k), and matches employee contributions dollar for dollar up to 6%. She should make every effort to save at least 6% to attain the matching contribution. A 6% contribution of her $40,000 salary would be a $200 monthly contribution, but the firm matches this contribution by kicking in another $200 per month. She must decide whether her $200 should go in a 401(k) or a Roth 401(k). Regardless of her choice, the firm's $200 contributions would go into a 401(k).
In general, if given the choice, young employees should save in a tax-exempt account instead of a tax-deferred account. That is, they should save in a Roth 401(k) instead of a 401(k), a Roth 403(b) instead of a 403(b), and a Roth IRA instead of a traditional IRA. In a tax-deferred account, the investor gets the tax break up front since the contribution amount reduces that year's taxable income and thus taxes. In a tax-exempt account the investor gets the tax break at withdrawal, since the withdrawal (if made past age 59½) is tax exempt. In the early years of work, most young employees will be in a low tax bracket. So, it would be better to take the tax break in retirement when they will probably be in a higher tax bracket.
The advice to save in a tax-exempt account before a tax-deferred account is especially useful in the graduate's first year. For example, Sylvia may graduate in May, begin work in July, and have six months of income. She will probably be in the 0% or 10% tax bracket that year. So, she would save either no or minimal taxes from a contribution to a 401(k). Instead, she should save in a tax-exempt Roth 401(k) so the withdrawals in retirement will be tax free. Moreover, there are other advantages to saving in a Roth 401(k) instead of a 401(k). In particular, there are tax advantages if she has to or chooses to withdraw funds from the Roth 401(k) before age 59½. Also there are no required minimum distributions in retirement from the Roth 401(k) and other tax-exempt accounts as there are for tax-deferred accounts.
The firm's $200 monthly matching contributions would go into a 401(k). Depending upon the vesting period in the firm's retirement plan, the firm's contributions may immediately vest or, perhaps, vest in three years. If the firm's contributions are immediately vested then Sylvia could keep the firm's contributions (and returns thereon) even if she left the firm after six months. If there is a three-year vesting period, she would have to work for three years to keep all of the firm's contributions (and returns thereon). Depending upon the plan's vesting schedule, she may get none of the firm's contributions if she leaves before three years or she might be entitled to one-third of the firm's contributions (and returns thereon) after one year, two-thirds after two years, and the full amount after three years. Regardless, Sylvia always keeps her own contributions (and returns thereon).
|Tax-Deferred Accounts
|Tax-Exempt Accounts
|Roth 401(k)
|Roth 403(b)
|Roth IRA
|Traditional IRA
A Basic Primer on Investments
This primer is very very basic, and intended for inexperienced investors who may not know the difference between a stock and a bond.
Bonds and stocks are the two major types of investments underlying the investment options of any employer-sponsored retirement plan.
Bonds are loans separated into small pieces. Exxon Mobil may want to borrow $1 billion. Since no one would want to loan the firm $1 billion, the firm borrows the $1 billion by issuing bonds, probably in $1,000 units. Each unit or bond is, in essence, a $1,000 loan to Exxon Mobil. On a 6%, 10-year bond, the firm promises to pay $60 each year in interest plus return of the $1,000 in principal in 10 years. The returns on this bond are limited, since Exxon Mobil will not pay more than $60 in interest even if their earnings soar. However, barring default risk, the investor knows exactly what he will receive. In practice, there can be a few complications. For example, Exxon Mobil may have the right to repay the bond early if it so chooses. But the key idea is that bonds are fixed-income investments—the $60 a year plus $1,000 at maturity for this bond.
In contrast, common stocks (frequently called stocks or equities) are ownership units of the firm. Exxon Mobil has about five billion shares of stock outstanding. So, each share represents ownership of one-five billionth of the firm. The stock price tends to rise and fall with the firm's earnings. Earnings or net income after taxes is what remains after the firm pays all expenses, including bond interest payments.
Stocks are riskier than bonds. That is, year-to-year returns on stock indexes have been much more volatile than bond returns. For example, the S&P 500—a well-known index of 500 stocks of mostly large U.S. firms—lost 22.1% in 2002 but gained 28.7% in 2003. Over the long term, stock returns on average are much higher than bond returns, but the price investors pay for these higher returns is higher risk. Unfortunately, it is not possible to predict whether next year's returns or even the next five year's returns on stock indexes will be good or bad. However, since investors do not like risk, we believe that stocks will probably continue to produce higher long-run returns than bonds.
A Primer on Investment Decisions
Most young people want to save for many different purposes—a car, emergency funds, down payment for a house, and, of course, retirement.
Where should you put these savings?
The investment horizon for savings other than retirement is typically less than five years. For that reason, these funds probably should be invested in safe, short-term assets, such as bank certificates of deposit CDs or a low-cost short-term, high-grade bond fund. In addition, since they will be used before retirement age they should be in a taxable account—that is, they should not be invested in a tax-deferred retirement account, which typically has a substantial penalty for early withdrawals.
When saving for retirement, your first goal should be to take advantage of the tax-sheltering benefits offered by tax-deferred retirement accounts—in other words, try to contribute as much as you can to your employer-sponsored plan. Once you have maxed out on your retirement account contributions, your retirement savings should be put into taxable accounts, with investments that emphasize tax efficiency.
Where should you invest your retirement plan contributions?
There are two major steps when saving for retirement within an employer-sponsored plan:
- First, you should select your target asset allocation—that is, the percent of your portfolio invested in stocks, bonds, and cash.
- Second, select specific stock and bond mutual funds from the list of mutual funds in your firm's plan.
Selecting Your Target Asset Allocation
Table 2 summarizes recommended asset allocations for individuals who expect to retire in 2050. The recommendations come from financial planning professionals at three respected families of mutual funds that offer life-cycle funds—funds that act as an all-in-one mutual fund for "typical" investors at various ages.
The professionals' advice reflected in Table 2 espouses a simple idea: Young investors should split their retirement nest eggs into three broad baskets—U.S. stocks, international stocks, and U.S. bonds—and each of those baskets should contain several different securities. In terms of target allocations, the common advice for very young investors (those who will not be retiring until the year 2050) is the following:
- Your retirement funds should be between 90% and 95% invested in stocks and 5% to 10% in bonds. "Cash" investments should be avoided until you actually approach your retirement years.
- The stock portion of your portfolio should be between 75% to 85% invested in broadly diversified U.S. stocks and 15% to 25% in diversified international stocks.
Many company retirement plans offer life-cycle funds. If so, one good choice for many graduates would be to invest all their retirement funds in the life-cycle fund with their appropriate target date. These portfolios are already well diversified, containing U.S. stocks, international stocks, and U.S. bonds.
If your pension plan does not offer life-cycle funds, then you could set an asset allocation for your retirement plan that mimics the recommendations of these 2050 target retirement date funds. For example, perhaps 70% could be invested in U.S. stocks, 23% in international stocks, and 7% in U.S. bonds. To the degree possible, while attaining the broad diversification, we suggest using index funds because they usually have much lower expenses.
To fill the U.S. stock portion of the portfolio, you could select one broadly diversified domestic stock fund and invest the U.S. stock portion in this fund. One good strategy would be to invest the entire U.S. stock portion in a broad-based U.S. stock index fund such as one that indexes the Russell 1000, Russell 3000, MSCI (Morgan Stanley Capital Index) Investable Market 2500 index or Broad Market index. Most retirement plans offer an S&P 500 index fund. Since this large-firm (aka, large-cap) index represents about 75% of the market value of all U.S. stocks, another good option would be to invest 75% of the U.S. stock portion in an S&P 500 index fund and the other 25% in a small-cap stock fund.
The international stock exposure provides international diversification. Just as it is prudent to diversify the U.S. stock portion of the portfolio by investing in hundreds of domestic firms' stocks, it is also prudent to invest in an international stock fund that contains hundreds of international firms' stocks. One useful separation of international stock markets is into those of developed markets such as Western Europe and Japan and emerging markets such as China and Latin American countries. The model portfolios in Table 2 suggest that about 85% be invested in developed stock markets. The pension manager at your firm should be able to help you attain this goal.
The mutual fund families recommend investing perhaps 5% to 10% in U.S. bonds. Any domestic bond mutual fund should serve that purpose.
|T. Rowe Price
|U.S. Stocks (%)
|International Stocks (%)
|U.S. Bonds (%)
|Fidelity, T. Rowe Price, and Vanguard are three large, respected mutual fund families.
|The table presents these families' recommended asset allocations for their 2050 life-cycle funds
|—their funds intended for typical individuals retiring around the year 2050.
Investing in Human Capital
The largest asset for most young investors is their human capital, a term used by economists to denote the present value of your future earnings.
When selecting a job, one factor you should consider when choosing a job is whether the firm will help enhance your human capital:
- Will your superiors take time to mentor you?
- Will the firm provide or pay for professional training?
- Will it pay for exam fees and a review course for you to try to attain a professional certification?
Anyone embarking on their first "real" job will probably have to decide whether to enter their firm's retirement plan, how much to save, and where to invest those funds.
These are the relatively simple guiding principles you should follow when making these kinds of financial decisions:
- You should participate in your firm's retirement plan.
- You should increase the percentage of your income that you save in your early years.
- In addition, you should strive to avoid excessive debt, especially credit card debt.
Taking a few simple steps in the next few years can go a long way to helping you ensure your financial security in the future.
If you make good financial decisions from day one of your first job and avoid the costly mistakes that many of your peers will make, you can dramatically improve your financial health for the rest of your life.
Tom Potts , Ph.D., CFP, is a professor of finance at Baylor University and can be reached at email@example.com.
Chris from NJ posted over 5 years ago:
Thank you for keeping these articles around and available!
James from CA posted over 5 years ago:
Yes, keep them around. I have ten grandchildren in various stages of their college education and they need this information!!!
Walter from CA posted over 5 years ago:
Great article. I give my grandson the very same advice but it lands on deaf ears. I will give him a copy of this article and hope he wakes up to the real world and be responsible for his future.
Charles from IL posted over 5 years ago:
The article makes some very basic points applicable to young people starting out. I have a twenty-one year old son who just finished college. I have been trying to get his attention on this issue for several years. The article is basic for him to understand and hopefully get the message.
Jean from WI posted over 5 years ago:
I'm sending a copy of this to my 33-year-old daughter who wants to start an emergency fund as well as saving beyond her 401K. Later than Sylvia, yes, but better than when I started at age 40.
Karl Shewmake from WI posted over 2 years ago:
to give the general feeling of this article some specifics: How's this idea for recent graduates. I call it an "I&O". Income minus essential spending (taxes, insurance,rent, utilities ,food) =O, left over dollars for saving versus spending. then apply a rule: savings should be greater than elective spending. basically the pay yourself first principle.
Tony Hausner from MD posted about 1 year ago:
This is a very well done article and I strongly encourage wide dissemination of it. I have done so with my contacts.
Lisa from TX posted 11 months ago:
Good comparison; The Anchorman 2 movie shows a funny bend on the debt angle by throwing in student debt as a bonus to the woman someone marries...Hopefully that doesn't give too much away. Funny scene, only professors and people watching movie are laughing about school debt.


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Everna Saga
Featured Works
To Everna and Beyond!
An exploration of Fantasy and Science Fiction Worlds in literature and multimedia entertainment
The official blog and novelblog for Evernade Saga and FireHeart Saga by Andry Chang
"Come forth, Paladins! Fulfill your destiny!"
Explore Worlds in Clicks
FireHeart Highlights!
Wednesday, December 29, 2010
Longbow vs Crossbow
The purpose of this video was to demonstrate the comparative speed of shot between the English longbow, and the hand-spanned crossbow.
As you can see in the video, the crossbow wasn't as slow to shoot as many people make out, but please keep in mind that the hand-spanned crossbow is a very quick weapon to span and shoot, much quicker that the other types of crossbow in use during the middle ages.
Due to the heavy construction of the crossbow's steel prod, or bow, and the short draw length along the crossbow's tiller, the crossbow was a very inefficient weapon. Although the crossbow in the video has a draw weight of around 130 lb, compared to the longbow's 110 lb, our crossbow could only manage a maximum range of some 90 yards, compared to the longbow's 250 yards. To compensate, medieval crossbows were often many times the draw weight of the bow used here, and thus required the use of a belt and hook, Goats Foot or Windlass to draw. This made them much slower than the longbow. Due to this slow re-loading crossbowmen often sheltered behind Pavises, or large shields, while re-loading on an open battlefield. These shortcomings were not an issue, however, when the crossbow was used to defend walled towns or castles, a situation where the crossbow excelled.
If you wish to see the longbow compared with the more powerful, but slower, windlass crossbow, then watch the new series of Warriors on the History Channel. In episode 5, on the English Knight, you can see Martin and I going head to head, pitting a 110 lb yew longbow against an 850lb windlass crossbow, while Terry Schappert counts the amount of arrows and bolts we manage to loose in 1 minute. It makes for a very interesting comparison with this video! (The episode was screened in the US on April 2nd, and comes to the UK in the Autumn, but it is available to watch on the History Channel website too).
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Andry Chang
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CAS negotiations continue; WLUFA applies for conciliation
Negotiations Update
Feb 23/11
The Wilfrid Laurier University Faculty Association (WLUFA), the union representing Contract Academic Staff members, has asked the Ontario Ministry of Labour to appoint a conciliation officer in the current round of bargaining with the University.
The University is optimistic that the involvement of an experienced, independent third party will be helpful in resolving outstanding issues. It is not known when a conciliation officer will be appointed but the two sides are scheduled to meet again March 2 and additional meetings are planned throughout March.
The University and WLUFA bargaining teams have met 25 times since the start of negotiations on Sept. 14, 2010, according to a schedule developed to accommodate the teaching commitments of the WLUFA members, and the schedules of the University team.
The University remains committed to reaching an agreement that is fair and equitable for both parties, and in the best interests of the institution and its students.


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International Student
Bluefield State College's student-friendly campus enrolls approximately 1,900 students representing 19 states and 16 countries. BSC welcomes inquiries from International Students.
Bluefield State College is an undergraduate college issuing primarily Bachelor of Science Degrees. Graduate programs are not available through this college. We sincerely hope that this information is helpful to you. If you have any questions, or need further assistance please contact our International Admissions office @ email@example.com.
File MUST be complete one month after deadline
Bluefield State College is not eligible to issue an I-20 until all admission requirements have been met.
- Completed International Admissions Application.
- Official High School transcripts.
- Official College transcripts from all previous coursework within or outside the US.
- If you are seeking transfer credit evaluations on international course work, it is highly recommended to have a third party evaluator evaluate the course work and have documents sent to us.
Education Evaluators International, Inc @ www.educei.com.
World Educational Services @ www.wes.org.
- Completed Financial Verification Form, showing the student has $27,000.00 minimum per year available for the student's education in American currency.
- Enrollment recommendation
- Non-English speaking countries must provide proof of successful completion of an ESL program or TOEFL score of 500 or better/Computer TOEFL score of 173 or better/ Internet TOEFL score of 64 or better, or IEL test band score of 6.0 or better.
- If currently in the United States a copy of the current I-20
- Copy of Visa.
- If accepted an Immigration Transfer Form
- Compass Testing for placement in English and Math classes mustbe arranged prior to course registration at Bluefield State.
All international students are REQUIRED to be at
BSC the MONDAY before classes start for
Testing, Orientation, Class and SEVIS Registration.
Bluefield State College does not offer on Campus housing. Housing lists are available to assist students in acquiring accommodations within the community. You can also check at www.mountainviewsrc.org. Mountain View Student Residence and Conference Center is an all-inclusive premier college housing development. The student, not the College, is responsible for securing housing.
Financial aid is generally not available for foreign students.
|Office of Equity, Diversity, and Inclusion
|Office of International Initiatives
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~ Herbert Goldsmith Squiers, U.S. Army officer, diplomat in China, Cuba, and Panama; his last words upon receiving the last rites.


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New Fort Drum Facility Helps Make Soldiers 'Fit' For Battle
Climbing mountains, jumping out of helicopters, lifting gear -- it's what soldiers are required to do on the battlefield. And, they need to be in shape for it.
The ribbon was cut Friday afternoon on what's called a Functional Fitness facility. Fort Drum is the first Army post to have a gym like this.
There's astro turf, a boxing ring and other specialized equipment to train muscles for combat.
"This facility will prepare your body and your mind for that," said Randy Gillette of Functional Fitness.
"It's all about muscle memory, which you learn here in Functional Fitness," he said. "You will keep that inside you wherever you go for combat."
The project took eight months to complete and cost just over $2 million.
Two other gyms on post will also receive makeovers with new equipment and machines.
Sunday, December 11, 2016, Watertown, NY
On Wall Street


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CNJ staff photo: Tony Bullocks ENMU junior Daniel Patching steals third base in the bottom of the third inning. He scored on groundout to tie the game at 3-3 Friday at Greyhound Field.
By Dave Wagner: CNJ sports writer
PORTALES — Rarely has a game turned so quickly from a contest into a blowout.
West Texas A&M broke open a 3-3 contest with nine runs in the top of the fifth inning, then added five more in the sixth for a 17-3 Lone Star Conference baseball victory over Eastern New Mexico University on Friday at Greyhound Field in Portales.
After Eric Dorton walked and Trey Horn lined to center to start the fifth against ENMU junior right-hander Ryan Pruitt (0-2), the Buffaloes (6-2, 3-1 LSC) put together four straight hits and had nine consecutive batters reach to turn it into a runaway.
The Buffs sent 13 men to the plate in the fifth and 11 more in the sixth as the ENMU bullpen couldn't stop the bleeding. WT had seven doubles and outhit the Hounds 19-6.
"We really played horrible baseball the first couple of innings," WT coach Matt Vanderberg said. "We finally got into their bullpen, and that's when everything changed."
ENMU (1-4, 0-1) took a 2-1 lead in the bottom of the first, getting run-scoring singles from Daniel Patching and Mitch Wolfe against WT's Justin Kuks (2-0). The Greyhounds made Kuks use about 30 pitches in the frame, but couldn't take full advantage of his two walks and two errant pickoff throws.
The Buffs took a 3-2 lead in the second. ENMU tied it in the third on Brandon Devries' RBI groundout, but the Hounds had only two hits after the first off Kuks, who worked six innings.
"Kuks is like that; he's either really good or all over the place," Vanderberg said. "He's got really good stuff. He just got a little better as the game went."
The game was called after seven innings because of the 10-run rule. The teams complete their series with a 1 p.m. doubleheader today.
ENMU coach Phil Clabaugh was more concerned about his team's lack of punch than the pitching woes. The Hounds have scored 15 runs this season, and eight of those came in their only win.
"We can't beat anybody with six hits," Clabaugh said. "I don't know what we're going to do, but we have to hit better."
Everyone in the WT lineup hit safely except Dorton — and he went 0-for-2 with four walks in the leadoff position.
"Pruitt did a good job of keeping us off-balance," Vanderberg said. "Finally, we made some adjustments. Our kids did a good job."
Catcher Garrett Campfield went 3-for-5 with four RBIs. Left fielder Brad Elders, who came in hitting .071 (1-for-14), joined shortstop Jordan Easom and first baseman Jess Cooper with three-hit outings for the Buffs.


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Tuohy, Catawba Shock No. 4 Merrimack
from press release
SALISBURY, N.C. - Senior Marty Tuohy (Weymouth, MA/Weymouth HS) scored 33 seconds into overtime as host Catawba upset fourth-ranked Merrimack 12-11 in men's lacrosse action on Monday night at Shuford Stadium. The Catawba Indians improve to 7-1, while the Warriors fall to 3-1.
Catawba's Casey Chinn (Mooresville, NC/Lake Norman HS) won the overtime face-off and the Indians called a timeout. Tom Cullop (New Windsor, MD/S. Carroll HS) drove into the box and found Tuohy, who fired in the game-winner from the right side from 10 yards out. Tuohy had three of his five goals after the third quarter, including two straight to tie the game at 10-all with 10:40 remaining.
The Indians jumped on top early as Cory Losselyong (Lewisville, NC/W. Forsyth HS) scored two goals in the opening three minutes. Cullop scored twice in the final minutes of the first quarter and Tuohy his first to begin the second to give Catawba a 5-2 edge.
The Indians spent much of the early part of the second quarter a man down, drawing four penalties in the opening six minutes. Merrimack used the advantage to pull even at the 8:08 mark after two goals from Terrence Barclay (Babylon, NY) and the tying one from Corey Lunney (Little Silver, NJ). The teams were tied 7-7 at the break.
Lunney gave the Warriors a 10-8 lead early in the fourth quarter, but Tuohy struck twice in a span of 1:16 to pull Catawba even with 10:40 left. Losselyong tallied a man-up goal at the 10:02 mark to put the Indians up 11-10 then Michael Balbuena (Falmouth, MA) forced overtime on a strike with 3:08 remaining. Tuohy scored the winner less than a minute into the extra time.
Merrimack held a 51-34 edge in shots, including a 32-12 advantage at the half. Catawba goalie Michael Pecchia (Coquitlam, BC, CANADA/Heritage Woods) kept the Indians in the game as he made 11 of his 17 saves in the opening 30 minutes. Connor Reagan (East Lyme, CT) played all but 38 seconds in goal for Merrimack. He made six saves and allowed 11 goals.
The Warriors also held a 42-25 edge in ground balls, although the Indians picked up 11 to just five for Merrimack after the third quarter. Nick Maggio (Winchester, MA) won 16 of the 25 face-offs for Merrimack, but Chinn won four of the last six for the Indians.
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Posts Tagged 'benefits of meditating'
The Science (and not) of Meditation
There are many good reasons to meditate, some empirical, some personal. Science Scientific studies confirm: Meditation Helps. These studies track the impact of meditation on physical health and psychological distress. Because they use the scientific method and focus on empirical findings, they're something (just about) everyone can agree on. This is one of the wonderful things about science. The scientific benefits of meditation are increasingly well-documented. Here are a few of the headlines—the most striking benefits, from the most credible sources: Cuts cardiac patients' heart attack and stroke risk nearly in half (by 47%) ... continue reading


text: Has anyone here tried the foogo straw cup? My son has no desire to use either of his sippy cups (he has a klean kanteen and a born free). He likes to use a real cup, which is fine around the house, but doesn't work when we go places. He likes to use a straw, so I think this might be a good choice. My only concern is that all the pictures that I have seen have shown older toddlers using them. I don't know if it will be too big for his 12 month old hands.


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An impulsive swim with a friend in a flooded Queensland creek left a 14-year-old by desperately clinging to a tree until police and firefighters were able to reach him and pull him from raging floodwaters. NBC's Sara James reports.
A teenage boy left clinging to a tree in a raging torrent of floodwater in Australia was pulled to safety in a dramatic rescue Friday.
As the teen was being brought to dry land – in scenes caught on video — the emergency worker who saved him was swept away by the churning mass of brown water in Rockhampton, Queensland.
The rescuer went under a nearby bridge but managed to reach safety moments later.
The AFP news agency reported that in total there were 20 water rescues across Queensland state Thursday night and early Friday, including a woman and two children trapped in a car and seven people in two flooded houses.
Australia's Bureau of Meteorology said nearly a foot of rain had fallen in Yeppoon, north of Rockhampton, since early Thursday, the AFP reported. The area is being hit by the remains of tropical cyclone Oswald.
One rescuer told the Australian Broadcasting Corporation that the boy rescued in Rockhampton was lucky to be alive. "The current was so strong, it just took him away," Brett Williams said.
In the video of the rescue, the boy is seen holding onto a tree amid the rushing waters.
A rescuer goes out to him and a yellow rope is seen in the water.
The two then let go of the tree and make their way to land, at times appearing to be engulfed by the waters.
'He's good, he's good'
But, as the rescuer in the water tries to transfer the teen to others on the land, he is suddenly swept away.
"He's going under the bridge," a voice is heard saying.
Other rescuers run after him, and moment later one is heard saying, "He's good, he's good."
The Australian broadcaster reported that "huge rainfall totals" were expected over the weekend as Oswald tracks south, with Queensland Premier Campbell Newman warning that the state's largest city Brisbane could be hit by flooding.
AFP said 30 people were killed and more than 2.5 million people were affected by floods in Queensland two years ago.
Half world's iron ore trade halted by storm in Australia's 'cyclone alley'


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I'm new to the forum After I worked through a PHP book, I'm working on my first actual program now.
Yesterday I stumbled upon a problem, I wasn't able to solve and I couldn't find a solution through google.
I have this code:
Code: Select all
$sqlab = "select * from children";
$sqlab .= " where index = " .$kknumber;
$res = mysql_query($sqlab);
$num = mysql_num_rows($res);
echo "no matching data / no hay datos coincidentes";
After that I just read out the fields with mysql_fetch_assoc.
index is the primary key of the table and has auto increment.
With the code as it is I get following error:
Warning: mysql_num_rows() expects parameter 1 to be resource, boolean given in ***\***\***.php on line 67
You have an error in your SQL syntax; check the manual that corresponds to your MySQL server version for the right syntax to use near 'index = 2' at line 1
Line 67 is "$num = mysql_num_rows($res);"
I tried to change the line:
Code: Select all
$sqlab .= " where index = " .$kknumber;
into that (witout the " ")
Code: Select all
$sqlab .= " where index = $kknumber";
without luck
Than I tired that (with index in ' ')
Code: Select all
$sqlab .= " where 'index' = $kknumber";
And I dont get an error anymore, but the program doesn't find any result.
Can anybody help me please?


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Freedom New Mexico
LUBBOCK — Kyle Harris won the triple-jump with a school-record jump of 49 feet and 10 1/2 inches, leading the Eastern New Mexico University track squad Friday at Linda Fuller Track and Field Complex at Texas Tech University.
Harris' jump was ruled as wind-aided and did not qualify for the NCAA national meet.
Other ENMU high finishers included Richard Kogo (fifth, 5,000-meter, 15:35.82), Josh Browning (school-record 22.29 in the 200 meters for 19th place) and Chenavia Ruffin (school-record 1:00.69 in the 400 meters for 13th place).
The team is back in action Saturday in Albuquerque for the University of New Mexico Tailwind Invitational.


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Moses Lake is moving ahead with a plan to replace 30 downtown trees at an estimated cost of $160,000. That's more than $5,300 a tree.
Municipal Services Director Gary Harer explained to the city council recently that the job is expensive because crews have to remove and replace pavers and culverts and fix any damage to electrical and irrigation systems under the sidewalk.
The Columbia Basin Herald reports the trees must be removed because roots are lifting up sections of sidewalk, creating a hazard. So why plant new trees and continue the problem?
The city has about 200 trees for beautification. Councilman Dick Dean said without them Moses Lake could be a flat, wind-swept desert oasis.
The council voted to put the project out for bids.


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"All the books and magazines that you sent me helped re-enforce my new-found Catholic beliefs. After reading them and praying, I now have no doubts about the Catholic faith and I am rejoicing in the truth. It is good to know the truth! God bless Catholic Answers!"
"The civil authority has been, ever from the days of Herod, the enemy of Christ. The question, now pending, is whether the Church shall admit to ministry those only who, according to the dictation of the civil power, are fit for the office."


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Unlike Toshiba Corp., which is still strictly against Blu-ray disc (BD) format, Microsoft Corp. has always said that it might release an external Blu-ray optical disc drive for the Xbox 360 video game system if there is demand. According to market sources, the software giant does have plans to offer its customers a BD option.
Toshiba-Samsung Storage Technology Corp., a joint venture between Samsung Electronics and Toshiba Corp., has been contracted to manufacture external Blu-ray disc drives for Microsoft Xbox 360 game console. While the exact specifications of the product are unknown, it is rumoured that Microsoft aims at $100 - $150 price-point for the device in order to compete against Sony PlayStation 3 with Xbox 360 + external Blu-ray drive combination.
The main reason why Microsoft is unenthusiastic regarding Blu-ray is mandatory support of BD-Java interactive technology and Sony's reluctance to adopt competing tech called HDi that was developed by Microsoft. Even though Microsoft managed to push its VC-1 codec onto both Blu-ray and HD DVD markets, the company's negative attitude towards Java prevented it from supporting the former standard in general. As a result, the company used to sell external HD DVD drive for Xbox 360.
Nevertheless, as high-definition movies gain popularity, Microsoft has to support Blu-ray in order to leave Sony Computer Entertainment Inc. without an advantage of offering BD support exclusively with the PS3 on the market of video game consoles.
It is still unclear when exactly Microsoft plans to release its external Blu-ray solution for Xbox 360. Hypothetically, the company may launch it slightly ahead of the holiday season in an attempt to steal an advantage from the PlayStation 3. But since sales of Blu-ray are still on a low level, the software giant may decide to postpone the unveiling till Consumer Electronics Show early next year in order to get the most attention of the media with new device.
Microsoft and TSST did not comment on the news-story.
Tags: Microsoft, Blu-ray, Xbox, Toshiba, Samsung, HD DVD


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In his State of the Union address [2], President Obama promised stronger action on climate change. Today he followed up with a credible and comprehensive plan [3]. The real issue now is how vigorously he follows through.
From a policy perspective, the president's plan lacks the sweep, cohesion and ambition that might be possible through new legislation. With Congress unwilling to act, the president instead is offering an amalgam of actions across the federal government, relying on executive powers alone.
Taken together, the actions represent the broadest climate strategy put forward by any U.S. president, addressing the need to both cut carbon emissions and strengthen climate resilience. While many of the specific items are relatively small-bore, and quite a few are actions already underway, the plan also includes new initiatives that can significantly advance the U.S. climate effort.
Chief among them is the president's explicit commitment, for the first time, to regulate emissions from existing power plants [4], which account for a third of U.S. greenhouse gas emissions.
Here, the plan is short on details, which is not surprising, as it would be unwise for the president to prejudge the outcome of the Environmental Protection Agency's formal rulemaking process. But what little the plan does say suggests the administration has the right approach in mind. It directs EPA to "build on state leadership [and] provide flexibility," which hopefully means allowing states to use the kind of market-based approaches pioneered by California [5] and the nine Northeastern states in the Regional Greenhouse Gas Initiative [6] so utilities can reduce their emissions at the lowest possible cost.
The president directed the EPA to propose standards for existing plants by June 2014 and finalize them a year later. That's an ambitious timeline – but one fitting the true urgency of the challenge.
The plan includes a wide array of other measures to reduce greenhouse gas emissions, improve energy efficiency [7], and promote renewable energy [8] and other low- and no-carbon energy sources. And it outlines ways the administration will work bilaterally and multilaterally to strengthen international climate efforts.
Importantly, though, the plan also devotes equal attention to the other side of the climate equation – helping communities and businesses better cope with extreme weather and other climate impacts. Even with ambitious efforts to cut emissions, we face rising climate risks, and it's critical that the federal government do all it can to help strengthen America's climate resilience [9].
In the long run, we need much more than the president's plan promises. Hopefully in time, growing public concern will force Congress to take meaningful climate action – ideally, by enacting an economy-wide price on carbon, the most cost-effective way to curb our carbon emissions.
But for now, President Obama has outlined a realistic strategy, one that by design he can execute with tools already at his disposal. The path forward will entail political risks, but they are risks worth taking to spare future generations the much greater risks of a warming world. Having put forward a plan, the president must now have the fortitude to see it through.
[1] http://www.c2es.org/blog/diringere
[2] http://www.c2es.org/newsroom/statements/claussen-2013-state-union
[3] http://www.c2es.org/newsroom/statements/claussen-obama-climate-plan
[4] http://www.c2es.org/federal/executive/epa/q-a-regulation-greenhouse-gases-existing-power
[5] http://www.c2es.org/us-states-regions/key-legislation/california-cap-trade
[6] http://www.c2es.org/us-states-regions/regional-climate-initiatives#RGGI
[7] http://www.c2es.org/federal/executive/doe/appliance-equipment-energy-efficiency-standards
[8] http://www.c2es.org/energy/source/renewables
[9] http://www.c2es.org/science-impacts/adaptation
[10] http://www.c2es.org/category/topic/energy-technology
[11] http://www.c2es.org/category/topic/federal
[12] http://www.c2es.org/category/topic/us-states-regions


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"Your show has taught me so very much in the last two years. It helped bring me to the Holy Catholic Church."
~ Debbie
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"Ah, sister, thou hast got the start of us, but we will follow thee as quickly as we may."
~ Mark Barkworth, convert, priest, martyr, Venerable; upon kissing the garments of Ven. Anne Lyne who had just been executed for "harboring a priest" and just before he was drawn and quartered at Tyburn on the first Tuesday of Lent, 1601.


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Yamada's First Time: B Gata H Kei
The world revolves for us! Goodbye... B Gata H Kei! - Yamada turns into an angel! Farewell! B Gata H Kei!
Episode 12 | TV-MA
As the New Year approaches, Yamada and Kosuda slip out of their clothes and into a bed at the local love motel! Lust is in the air, but it's kind of hard to make out over the sound of that ambulance!
Sub Expires: 10-18-2013
Dub Expires: 10-18-2013
Official Site: www.funimation.com/shows/yamadas-first-time-b-gata-h-keiHide Details


text:
My husband and I think we are ready to start trying to have our first child. However, we have one major issue. I want to breastfeed and he's not comfortable with it. I admire him for being honest about it. It's two fold. He wants to be in on the bonding, but also I think he just is having problems with the whole idea of it.
Please, please don't tell me how awful he is....We've had tons of fights about this...and at least he's being honest I am just wondering if others have had this issue and how they dealt with it. There are way to many benefits for me to change my position, but I'm not sure how best to bring him around to my position.


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Description: Licensed by Peanuts Worldwide LLC to Quilting Treasures, this cotton print fabric features Snoopy and Woodstock and is perfect for quilts, home décor accents, craft projects and apparel. Colors include white, black, red and yellow on a blue background.
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Description: Designed by Karen Lewis for Robert Kaufman, this cotton fabric features prints that have been overprinted on Kona cotton solid fabric. It's perfect for quilting, apparel and home décor accents. Colors include yellow and white.
Description: In partnership with Project Linus, Quilting Treasures has created this collection. It is perfect for quilting and craft projects as well as apparel and home décor accents. Colors include olive, red, khaki, yellow, white and blue.
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text:
Reward Points on this item:26
Availability: Discontinued Item Discontinued. Cannot Ship.
The Big 100 is power anytime. This power packed bar is a great tasting way to fuel up on demand.
Metamyosyn V100 Protein Blend (Milk Protein Concentrate, Calcium Sodium Caseinate, Whey Protein Isolate, Whey Protein Concentrate, Dried Egg White, L-Glutamine), Corn Syrup, Brown Rice Syrup, High Fructose Corn Syrup, Peanut Flour, Whey Crisps (Whey Protein Isolate, Rice Flour), Water, Peanut Butter, Fructose, Roasted Peanuts, Maltodextrin, Glycerin, Canola Oil, Potassium Chloride, Natural and Artificial Flavors, Dextrose, Sugar, Salt, Vitamin and Mineral Blend (Ascorbic Acid, Ferrous Fumarate, Tricalcium Phosphate, D-Alpha Tocopheryl Acetate, Niacinamide, Zinc Oxide, Copper Gluconate, Calcium D-Pantothenate, Retinyl Palmitate, Pyridoxine Hydrochloride, Thiamin Mononitrate, Riboflavin, Folic Acid, Biotin, Potassium Iodide, Cyanocobalamin), Partially Hydrogenated Soybean and/or Cottonseed Oil, Sucralose.
Adults for best results drink 8 fl oz of water or other liquid with this bar.


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Peanut Butter Cookies
- Prep Time: 20 min
- Cook Time: 8 min
- Ready Time: 60 min
- Yield: 3 1/2 dozen
- 3/4 cup Jif® Creamy Peanut Butter
- 1/3 cup firmly packed brown sugar
- 1 large egg
- 1/4 cup milk
- 2 cups Homemade Cookie Mix
- 1/2 cup chopped salted peanuts
Preparation Directions
- HEAT oven to 375ºF.
- BEAT peanut butter and brown sugar in large bowl at medium speed of electric mixer until well blended. Beat in egg and milk. Mix in Homemade Cookie Mix and chopped peanuts until evenly moistened.
- SHAPE tablespoonfuls of dough into balls and place on ungreased cookie sheets. Flatten with a floured fork, making a crisscross pattern on the tops. Dip fork in flour as needed to prevent sticking.
- BAKE 9 to 11 minutes. Cool for 1 minute. Place on cooling rack to cool completely.
Nutritional Information Per Serving
Serving Size (1 cookie), Calories 80 (Calories from Fat 45), Total Fat 5g (Saturated Fat 1g, Trans Fat 0g), Cholesterol 5mg, Sodium 60mg, Total Carbohydrate 8g (Dietary Fiber 0g, Sugars 5g), Protein 2g; Percent Daily Value*: Vitamin A 0%, Vitamin C 0%, Calcium 2%, Iron 2%.
*Percent Daily Values are based on a 2,000 calorie diet.
* Ensure all recipe ingredients are gluten free by referencing the ingredient labels, as products may vary. If uncertain, contact the ingredient manufacturer.
Rated 2 out of 5 by 1 reviewer.
Rated 2 out of 5 by Raymond Fourteen Cups of Excess Ingredient The problem here is that one ingredient, "Homemade Cookie Mix", requires a completely separate recipe which yields 16 cups, of which you will only use a fraction. The result is a cookie with classic taste and texture, and 14 cups of excess "Homemade Cookie Mix" which you may never have time to use. I did use two more cups of the mix to redo the recipe, substituting 1 1/4 cups Smuckers® Natural Peanut Butter (Chunky) in place of the Jif® Creamy Peanut Butter and chopped salted peanuts. This produced much more peanut taste. This recipe really needs to be reengineered to become self-contained, incorporating all of the ingredients of the "Homemade Cookie Mix" in the proper proportions. August 26, 2012
1-1 of 1


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Mar 17, 2011 0
Fantasy Guru Daily: 3/17/11
Obviously, the lockout has prevented a steady stream of news from sneaking out of NFL land, but Wednesday still saw an important meeting of the NFL competition committee, which recommended several rule changes for the 2011 season and beyond. Here is a brief rundown of the rules suggested.
The biggest change would be moving the kickoff up to the 35-yard line, and moving touchback start points from the 20 to the 25. The committee believes that serious injuries can be avoided by marginalizing the kickoff, which is tough to argue. But how will a team like the Chicago Bears, so dependent on star KR Devin Hester, feel about the rule changes? We can't imagine they're thrilled.
Wedge blocking, of the two or three-man variety, would be banned on returns. The competition committee banned three-man wedges last season, but teams were able to scheme around the rule changes with two-man wedges. This rule will seek to change that.
The committee has recommended expanding instant replay. If passed, the new replay rules would require a replay official to watch every scoring play and determine if the correct call was made, as opposed to a coach having to use a challenge flag on a pivotal play. [...]


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A Staff Sergeant returned from a year-long deployment in Afghanistan and was reunited with his best friend.
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text:
The money is earmarked to cover personal effects of teachers and students that were stolen or broken during the school's December break-in.
Stream-Flo has been wanting to do something for the school since workers there heard about the criminal act in December.
Titus Clifton, field sales representative for Stream-Flo, said the company has employees, including himself, who have children who attend MMS.
He talked to the employees about making a donation to the school, and everyone was in support of the suggestion.
After talking with Principal Joni Barber, Clifton learned that there were items, such as a lab assistant's aquarium that was a personal item, that would not be covered by the district's insurance.
The aquarium was well liked by the students, and the company wanted to be able to give that back to the students.
"We wanted to help the community out," Clifton said. "Everyone dug into their pockets, and the company offered to match the amount."
Blake Phillips, general manager for the company's U.S. division, said giving back to the community is part of the company's culture, and it is important to be good to a community that has been good to them.
The company, which manufactures and services wellheads, among other things, has more than 20 employees and wants to continue to call Beeville its home for years to come.
The donation will be paired with money raised by a student bake sale held in December, and, collectively, the funds hopefully will go to pay for everything that is not being covered by the insurance company.
Barber will meet with a group of Moreno students next week to make a full plan on how to spend the money.


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It's hard to imagine watching Tippi Hedren haul ass to break away from birds on a flesh bender without hearing the deafening sound of countless wings. Same goes for watching Janet Leigh's famous shower scene without hearing that curdled scream.
In fact, it's hard to imagine any of Hitchcock's works, classics or no, without the ear candy. But if The Hitchcock 9, Wex's month-long homage to the director's nine silent films, teaches us anything, it's that silence doesn't kill the suspense.
"There's fascinating tech tricks and devices (in the movies)," said David Filipi, Wex's director of film and video. "Like in 'Lodger,' when people are downstairs in the boarding house, there's a point when they can 'hear' footsteps above them. But the audience couldn't hear that, so he used a glass floor (to show it)."
Supporting the scares in each showing are local musicians performing their own scores (spoiler alert: silent films weren't truly silent) in place of the films' original soundtracks. Splitting the nine musical accompaniments among them are Columbus talents Derek DiCenzo, Larry Marotta and Sue Harshe, each providing their own personal musical touch to their features.
Keep your eyes on call, too. If you pay close attention, you can catch early moldings of the themes used in his later classics, like "Rear Window" and "Vertigo" (not-so-spoiler alert: Come on, we aren't giving those juicy deets away).
The Hitchcock 9 is an opportunity that truly is can't-miss: The product of one of the largest film restoration projects, it's likely your only chance to see all of these lesser-known films together, operating at their best.
And don't let the "lesser-known" fool you, Filipi said.
"There's no doubt he's the most famous director who's ever lived. Everyone's seen 'Vertigo,' 'Rear Window,'" he said. "But 'Blackmail' is considered the best British silent film ever made. So don't mistake unknown for lack of entertainment."


text: I am in so much pain right now. I have really bad nipple dermatitis and have been on prednisone and all purpose nipple ointment to keep it in check. Well, lately it just hasnt been working. My nipples are shredding and are each split open in 2-3 places where the nipple is attached to the areola. When I have done this in the past I have had to pump only for a good 3 days to let it heal up. Now Reece will not take bm in a bottle or sippy cup. He nurses every 1.5-2 hours at night and flips out if I try to comfort him any other way. I often have split nipples, but its usually on one side and I can pump and heal it while he nurses from the other. I just dont know what to do. I cry every time he nurses and the cuts are getting so deep they are not even closing up anymore. The past few days I can distract him during the day so he is only nursing down to sleep for nap and at night. I have tried thrush treatments jik it managed to sneak in but if anything that has made it worse. I have been using gentian vioet and gse. Does anyone have any advice. My dh thinks its time to wean him but that thought just makes me so sad. Reece still loves nursing and he is still so tiny. He is not even 19 lbs yet and he still gets alot of his nutrition from my milk. He eats solids but will only take a very little bit of juice during the day. Not enough to keep him hydrated in the AZ heat. How do I heal these lacerations?


text:
Plain English campaign news articles
Communication at odds with costs
- Details
- Created on Wednesday, 12 January 2011 14:57
This morning our press officer, Marie Clair, was asked by BBC Essex radio to comment on the article about a charity, Disability Essex, that has terminated its contract with a government department because of the resources involved in submitting 4,500 pages of information as part of the monitoring process required by the government contractor.
Our Government have set up the Big Society Deregulation Taskforce (BSDT) in a positive effort to investigate unnecessary bureaucracy. Plain English Campaign are willing to help by offering our services based on our past experience during the Rayner Review of 1983, that worked successfully to reduce unnecessary paperwork in government.
Jargon – you can stick it on National Plain English Day
- Details
- Created on Friday, 10 December 2010 12:25
National Plain English Day falls on Friday 10 December 2010 and will coincide with the Plain English Campaign's annual Golden Bull awards.
National Plain English Day started with the launch of the campaign when the supporters travelled to Parliament and set to shredding jargon-filled documents on Parliament Green. The police then intervened and read out the legalese-filled Metropolitan Police Act, prompting Chrissie Maher, founder of Plain English Campaign to ask,
"Does all that mean we have to go?"
Read more: Jargon – you can stick it on National Plain English Day
Typo torture and grammar groans
- Details
- Created on Monday, 06 December 2010 10:19
Message from Marie Clair, press officer at Plain English Campaign.
Thank you to everyone who has contacted the office to let us know, or complain about, the grammatical errors in my recent quotes published online and in the press this week. The quotes related to the school teacher whose unfortunate, and numerous, email errors were sent to me for comment by a news agency.
The teacher's email is a reminder to us that communications made in a hurry can contain mistakes. In many jobs where communication is a major part of the job, deadlines and a heavy workload can leave little time for preparation and proof-reading.
The printed errors of my quote are a reminder that verbal information is more likely to be misinterpreted. The spoken word doesn't have punctuation, good spelling and proper grammar to accurately communicate meaning.
We all make mistakes, but we have a responsibility to communicate clearly, by using a spell-checker before we send our emails, or by providing only written comments to the press.
It's reassuring to know that there are people who care about using the English language properly. I will 'try harder', as my old school reports often suggested. I hope I don't make as many mistakes in one email as the now infamous teacher, but if we set ourselves as examples then we must accept any justified criticism with good grace and learn from it.
Please carry-on complaining to all those that use jargon and poor communications, including me.
Everyone has a right to crystal-clear information that they can understand first time round.
Below are links to some of the press coverage of the teacher's email:-
University makes It crystal clear
- Details
- Created on Friday, 05 November 2010 11:36
A University of Derby online application form has been recognised for its straightforward style with a Crystal Mark. It is the first form of its kind to be recognised by the Plain English Campaign in this way.
The Plain English Campaign gives the award with their distinctive Crystal Mark logo to documents and websites that provide information clearly, with the best use of English and correct use of punctuation and grammar.
Parking fine whines
- Details
- Created on Monday, 25 October 2010 10:16
Parking notices are frequently named by drivers as a serious irritation.
Misreading a parking sign can lead to a hefty fine, particularly if the penalty notice is also unclear. Plain English Campaign feel it is time to apply plain English to everything connected with parking to make life easier and less costly for all involved.
Councils have to invest in managing parking to please businesses, residents and drivers. Due to the number of emails we have received, there is no doubt that parking is a sensitive subject for drivers.
Whether it's the signs, the lines, or the fines – parking creates nothing but whines.
Traffic wardens have to cope first hand with the negative response to their attempts at managing the growing number of vehicles on our roads. Meanwhile, drivers struggle with the looming threat of a parking fine.
Richmond Borough Council has tried to tackle the problem by introducing a 'humane parking' scheme, which in reality is little more than an attempt to introduce a 'reasonable parking' scheme. Sadly, the name itself left many drivers puzzled by the use of such language.


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"Cagey" is one seriously edgy bootie. Scalloped edges, studs and cut-outs combine in this lace-up peep-toe. Wear with one of springs crop tops seen all over the runways for a next-level cool-girl ensemble.
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What is in this article?:
- Pollinators next big battleground for ag pesticides
- Studies used 'unrealistic dose levels'
- Push for nighttime applications
- "Neonicotinoids are the big target for the beekeepers and environmental groups," says Don Parker, IPM manager for the National Cotton Council. "They're going after these materials hard." Even after the EPA said it found no evidence of imminent hazard to bees, he says, "That was just one step in the battle — these groups have continued to issue press releases and stir controversy about the issue.Their sole focus is on crop pesticides and bee decline."
More About:
The next big battle — which could have a major impact on agricultural pesticides — is already under way. It involves a tiny crop pollinating insect, the honeybee, and to a lesser extent its larger cousin, the bumblebee.
It could have a significant impact on pesticides available to agriculture and how those materials are used, including a potential requirement that pesticides be applied only at night when there is no bee activity.
Dead center in the initial skirmishes between beekeeper organizations, environmental groups, the EPA, pesticide manufacturers, and agriculture organizations are a number of ag pesticides, including the widely-used neonicotinoids.
Registration of a new pesticide anxiously awaited by cotton producers for plant bug control, Transform (sufloxaflor), has been slowed because the EPA, under pressure to suspend the use of neonicotinoids and other pesticides on crops with bee activity, continued to ask for additional documentation on Transform's impact on pollinators. (It is expected that Transform will receive a full label for the 2013 crop season.)
It is estimated that bees pollinate as much as one-third of U.S. crops. They are heavily used in California, the nation's No. 1 agricultural state; estimates are that more than half the bees in the nation are brought to California in the spring to pollinate the almond crop.
In recent years, commercial beekeepers have sustained major losses of honeybees, partly due to a disease, colony collapse disorder, the specific cause of which remains unknown. But beekeeper groups and other organizations have contended that ag pesticides are among the reasons for bee losses.
In March 2012, a group of beekeepers and honey producers, along with several anti-pesticide and food safety organizations, petitioned the EPA for an emergency suspension of the seed treatment clothianidin (trade name Poncho), claiming an "imminent hazard" to pollinators.
The agency investigated and in July 2012 said, "the EPA does not believe there is substantial likelihood of imminent serious harm from the use of clothianidin" and denied the request for suspension.
Further, it said, the petition did not demonstrate that the use of clothianidin "is causing or will cause a significant reduction in populations of domestic bees or native pollinators; significant decreases in honey production; serious effects on other agricultural systems as a result of decreases in pollination services, or a reduction in pollination of wild plants in a way that may alter ecosystems."
The agency said it would continue its "comprehensive scientific evaluation of all the neonicotinoid pesticides" to "determine if any restrictions are necessary to protect people, the environment, or pollinators," and opened a 60-day comment period on the issue.
Recently, the European Commission recommended that use of neonicotinoid pesticides should be suspended for two years by European Union member nations. The action was based on research by the European Food Safety Authority (EFSA) that indicated three neonicotinoid materials posed "unacceptable hazards" to honeybees.
The Jan. 16 EFSA report said treated crops, dust from neonicotinoid seed treatments, and contaminated nectar and pollen were factors in honeybee losses and weakening of hives.
"The European Commission recommendation was immediately picked up by U.S. media and public pressure was intense," says Don Parker, IPM manager for the National Cotton Council, who spoke at the annual meeting of the Mississippi Agricultural Consultants Association at Mississippi State University.
"An EPA official said they got over 3,000 phone calls that day asking that these materials be taken off the market in the U.S. Activist and public pressure on this is very organized."