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From the Vermont Press Bureau blog - In Sept. report, Shumlin administration told of "critical" problems with insurance exchange
MONTPELIER - Acknowledging the severity of the technological glitches in Vermont's new health insurance website, Gov. Peter Shumlin on Thursday issued a surprise announcement extending the deadline by which residents will have to enroll for policies in the new marketplace.
But key members of the administration have known since at least the middle of September of defects in Vermont Health Connect, some of which, they were told by outside consultants, were potentially substantial enough to derail the enrollment timeline.
In a 192-slide Power Point presentation, conducted on Sept. 11 and 12 and prepared at the behest of the federal government, managers at the Department of Vermont Health Access detailed a range of "risks" in the online marketplace, and presented "workarounds," "mitigation" plans, and "contingencies."
The so-called "Operational Readiness Review" also includes a presentation from Gartner, Inc., a Connecticut-based tech consultant hired to review the website. Gartner concluded that Vermont Health Connect should be given "RED" status – as opposed to 'yellow' or 'green' – "due to significant risks to meeting the October 1st deadline for Go-Live."
The most "critical risks," according to Gartner:
- "Time in the schedule to remediate errors found in testing is minimal and unexpected difficulty in resolving system issues will put the schedule at risk. Concurrent System and User Acceptance Testing will be occurring in the Staging environment, which creates complexities in test execution (data management; user management; etc.)."
- "The project schedule continues to be compressed as environment availability issues delay deployment and testing. Additional delays will put the Go-Live date of 10/1 in jeopardy. The project schedule must be updated to account for delays and changes immediately communicated to project stakeholders to determine resource and schedule impact."
- "Delivery of the production environments has been delayed and there is a risk there will not be sufficient time remaining in the project schedule to adequately test or address defects, potentially delaying the ability to go live on 10/1. Significant configuration issues delayed the availability of development environments and the production environments are significantly more complex."
Verbiage used in the Gartner analysis is typical of the technolog-ese employed through the slide show, a copy of which is attached below. The document was requested first from the administration by former Republican gubernatorial candudate Randy Brock, who later partnered with WCAX News on a story about readiness issues facing Vermont Health Connect.
That story is set to air tonight at 6 p.m., according to a newsletter today from Vermonters for Health Care Freedom.
Portions of the slide show – provided to the Vermont Press Bureau in a separate records request – have been redacted, because they contain information that could compromise the security of the site.
The slide show also features concerns about things like insufficient training for navigators; the ability of consumers to enroll through the web; and the lack of in-house manpower that might be needed to deal with the volume of paper applications in the event of online dysfunction.
That the administration knew about possible defects on the site isn't revelatory – Shumlin, his health care czar Robin Lunge, and Commissioner of Vermont Health Access Mark Larson have long said there would "hiccups" and "bumps in the road."
More surprising, perhaps, is the confidence Shumlin was conveying publicly as recently as last week, when he told a gaggle of skeptical reporters that everything was under control. Amid growing concern over problems being encountered by small businesses and individuals, Shumlin reassured the press that his team would have the problems solved in time to meet the Jan. 1 deadline by which Vermonters needed to have new plans, lest their existing policies lapse.
The new deadline gives residents until March 31 to make the transition, and will allow them to renew their existing policies for another three months. That move has prompted its own set of questions, including whether or not people who take advantage of the extension will be subject to a full yearly deductible for the three-month extension, or if it will be pro-rated based on the length of the term.
Asked on Vermont Edition today by Bob Kinzel whether he knew ahead of time how problematic the roll out might be, Shumlin said "we did not know the magnitude the challenges we were going to face."MORE IN This Just InMONTPELIER A new report from a commission that studied the cost, availability and quality of... Full StoryVermont fish hatchery changes focus, looks inland
BETHEL, Vt. Full StoryHONOLULU (AP) A group of Hawaii musicians and a Hawaiian Airlines flight attendant provided... Full Story
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You purchased this item onView this order
Gerber, Graduates Lil' Crunchies, Mild Cheddar, 1.48 oz (42 g)
- You earn loyalty credit for every order you place at iHerb!
- Loyalty credit is equal to 10% of the value of your order, excluding shipping charges.
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Expiration Date:?Jan 2017Expiration Date
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Perishable items (such as flax oils or certain probiotics) generally have shorter expiration dates. Although our warehouse is fully air-conditioned, these more fragile items are put in cold storage (freezer or refrigeration unit) for maximum freshness.
Our receiving department does its best to verify and then enter the correct expiration dates for all incoming products. However, discrepancies do occur from time to time. This being said, the exceptionally high turnover at iHerb ensures that our inventory is among the freshest in the industry.
Shipping Weight:?0.75 lbs (0.34 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: GBR-04830
- UPC Code: 015000048303
- Package Quantity: 1.48 oz (42 g)
- Dimensions: 4.3 x 4.2 x 4.2 in, 0.2 lbs (0.09 kg)
|Combo Discount:
- Stage: Crawler
- Baked Whole Grain Corn Snack
- Naturally Flavored With Other Natural Flavors
- Supports Healthy Growth & Development
- Good Source of Vitamin E, Iron & Zinc
- Made With 100% Whole Grain Corn
- 30% Less Sodium Than The Leading Cheese Snack*
- Start Healthy, Stay Healthy
*Per 7 g serving, Lil' Crunchies Mild Cheddar snacks: 50 mg sodium vs. the leading cheese flavored snack: 72 mg sodium.
Start Your Child on a Course to Healthy Nutrition
Your Child May Be Ready
If She or He:
- Crawls with stomach off the floor
- Begins to self-feed with fingers
Good For Babies & Toddlers
- 4 g of Whole Grains per serving
- Iron for Healthy Brain Development
- Vitamin E and Zinc for natural immune support
Did You Know?
- As your baby grows into toddlerhood, about 25% of his calories will come from snacks.
- Graduates Lil' Crunchies snacks are a great way to make every bite count because they are a good source of 3 vitamins and minerals, have whole grains, and are designed just right for babies and toddlers.
Made For Babies & Toddlers
- Easy to chew and swallow
- Just right for self-feeding
Suggested Use
Use within 5 days after removing seal for optimal freshness.
Other Ingredients
Whole grain yellow corn meal, corn oil, dried cheddar cheese (cultured milk, salt, enzymes), tricalcium phosphate, natural cheese flavor, salt, maltodextrin, mixed tocopherols (for freshness), disodium phosphate, annatto extract color, gum acacia, alpha tocopheryl acetate (vitamin E), zinc oxide, electrolytic iron.
This product should only be fed to seated, supervised children who are accustomed to chewing solid foods.
This package is sold by weight, not volume, and may not appear full due to settling of contents.
|Supplement Facts
|Serving Size: 18 Pieces (7 g)
|Servings Per Container: About 6
|Amount per Serving
|Calories from Fat
|Total Fat
|2 g
|Saturated Fat
|0 g
|Trans Fat
|0 g
|0 mg
|50 mg
|15 mg
|Total Carbohydrate
|4 g
|Dietary Fiber
|0 g
|0 g
|0 g
|Infants 0-1 (%Daily Value)
|Children 1-4 (%Daily Value)
|Vitamin A
|Vitamin C
|Vitamin E
These little corn puffs dissolve really easily and taste great! My toddler loves these, but so does my 4 year old! If you like my review check out my page by clicking eathealthy in blue above to see reviews of all the products I have purchased from iHerb!
Posted by 5719568417803817708 on Oct 19, 2016
My son love it but you should finish it in same day you open it because it will be hard and no taste in second day
Acceptable for Toddlers
Posted by 5429008218058750875 on Oct 05, 2016
Mild in taste and not too salty. Only issue is that it gets soft quite quickly when left outside.
lovely product
Posted by 5594574683668006516 on Oct 02, 2016
my kids loves them. just don't over consume ( let them eat whole can) as kids get constipated )))
Love this
Posted by 5489282904939324615 on Sep 20, 2016
My daughter 10mths loves this or the garden tomato flavour to the max! She dislike the puff cereal totally.. she will throw away the puff cereal and demand me to give more of this!
Posted by 5480567094844466363 on Aug 23, 2016

subset: commoncrawl


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Sin City Shootout - January 12-15, 2017
Florida Sunshine Cup - February 18-19, 2017
Pride Bowl X - June 23-24, 2017
Gay Bowl XVII - October 6-8, 2017
Created in 2002, the National Gay Flag Football League (NGFFL) is a 501(c)(3) sports organization that seeks to promote the positive social and athletic enjoyment of American Flag Football. Through our league, our events and most importantly our members, we also seek to foster and augment the self-respect of all lesbian, gay, bisexual and transgender persons and to promote respect and understanding from the larger community.
While particular emphasis is placed on these specific goals, it is a fundamental principle of NGFFL that all activities, social and athletic, are conducted to be inclusive in nature and that no individual shall be excluded from participating on the basis of sexual orientation, gender, race, religion, nationality, ethnic origin, political beliefs, athletic ability, physical challenge, HIV status or gender identity.
Currently, over 200 teams in 20 leagues across the United States and Canada are members of NGFFL. Teams representing these leagues participate in the national tournament titled Gay Bowl, hosted every Columbus Day Weekend in a different member city.
Welcome to our new website! You'll notice that things around here don't look the way they used to. We've been hard at work on the new site and hope that you find your experience with it both user friendly and enjoyable. Don't keep us a secret, and share our new site with a friend!
― Jared Garduno
Tackling stigmas: Nev. coach knows struggles of being gay in football
He played a physical, violent, brutal game. One that tends to weed out weaker players.
Shane Wickes excelled at football while playing on the offensive line at McQueen, earning All-Region and All-State honors. But he struggled with being homosexual in the testosterone-driven world.
Wickes was not just a benchwarmer, now looking for his 15 minutes of fame. He was a standout 6-foot-3, 240-pound lineman at McQueen, graduating in 2012, then walking on the Boise State football team, before a knee injury ended his playing career.
See more on usatodayhss.com...
• Outsports
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• You Can Play Project
• National Gay & Lesbian Sports Hall of Fame


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Thomas W. RyeaDecember 08,2012
Thomas W. Ryea
11-1-49 11-22-12
NORTHFIELD Thomas W. Ryea, formerly of Northfield, passed away in Indiana on Thanksgiving Day.
He was the firstborn of three children of the late Westley G. Ryea and his wife, Gladys M. (Rivers) Ryea, of Northfield.
He resided in Northfield his first 30 years, and then pursued a career in long distance trucking, most recently retired from Suncoast Sales in Pierceton, Ind.
Tom leaves behind a sister, Rosanne Rathburn, of Williston, with niece Cara Mayo, of Barre, and nephews Shawn and Thomas Rathburn, both of Nashua, N.H. Also his brother, Eric Ryea, of Adamant, with nephews Ethan and Justin Ryea, along with several other friends and relatives, especially his dear friend Robert Biggs and family, of Pierceton, Ind. Memorial services will be held in the spring at the familys convenience.
All are asked to perform a random act of kindness or share a family story with loved ones in remembrance of Toms life.MORE IN ObituariesPaul N. Sourdiff
BURLINGTON Paul Nelson Sourdiff, 92, passed away on Dec. Full StoryBrian Vachon
Brian Vachon, 75, of Middlesex, died after a short illness on December 9 at... Full StoryDylan Baker
Dylan Baker, 18, passed away peacefully in the early morning of December 7... Full Story
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This house has many hearts.
If you managed to purchase a fixer-upper for a steal, then right now you're probably a little overwhelmed with all the work it's going to need! That's completely normal. Unless you're a carpenter by trade, you can't just expect to know everything about wiring, heating, plumbing, walls that weep blood and weather proofing. That would be crazy. Fortunately, this guide will walk you through the basics, giving you a little general knowledge on everything. In no time at all, you will be able to stare out proudly from your new bay windows as neighbors whisper to one another about the beautiful trim and paint job and not about the family that was murdered there.
Let's get started!
Even before plumbing fixtures and pipe fitting, the first step to making your house inhabitable is to examine the electrical system. The last thing you need is old circuitry failing and setting your whole house on fire! Plus, this will give you a good opportunity to work in every corner of the house and to get a sense of which rooms don't want you inside them. Remember, until you know whether your new place is harboring infinite sadness or unbridled evil then you'll have to take every step of remodeling slowly. This may be frustrating at first but safety should always be your primary concern, especially when working with electricity. It can give you quite a shock if you aren't careful!
The most important rule for all do-it-yourself electricians is to never work on any electrically live circuits. Find your service panel and remove the fuses or switch off the circuit breakers. Now wait a few seconds in the darkness. Did the house try to turn you inside out? If not, great! The spirits are not sentimentally attached to the old electrical system; you are free to work on it.
Most light fixtures in a house will be hooked through one massive path called "parallel wiring." That means that a hot wire and a neutral wire will run side-by-side between every fixture box in the house while the individual lights will branch off from those. Start in any room you like and open the light switch panel. What do you see inside? If you see three wires instead of two, don't panic, one of those is probably a grounding wire and it's actually protecting against electricity surges. If you see thousands of flies and human bile instead, close the panel back up and collect your tools. This room is complete and you can never ever go back in there.
"Run, you fool."
Check all the sockets, light fixtures and switch panels throughout the house to be sure they are wired properly. If at any point the walls start breathing, finish up as quickly but as calmly as possible and move on to a new task. That is a good indication the house is getting curious about you and may try to take your skin off.
3Plumbing and Water Heaters
Now that you've gotten familiar with the house, you'll know which rooms are what we'll call "water rooms." In a multi-story house they will generally be stacked on top of one another and they will include every room with a faucet. Both hot and cold water lines will run to each of these and you'll want to test the warm water for a few seconds to be sure the water heater is functioning properly. If it never warms or produces something other than water, such as pain, then you have a lot of work ahead of you. It means the water heater is either broken or missing and you'll have to go to the basement to be sure. Warning: This will surely be one of the hardest, most excruciating things you will ever have to endure, not just in home renovation but in life. Good luck!
Once in the basement, locate the water heater as quickly as possible. Examine the tank for leaks caused by corrosion. Check that gas is flowing to the water heater and that the pilot light is still lit. Though rarely, sometimes the heating mechanism itself can fail which means you'll have to replace the entire water heater. To remove it, you'll need to turn the gas valve off, disconnect the drain valve and unscrew the locknuts on the inlet and outlet pipes. If as you work you hear a voice whispering that your soul is forfeit, stop, wait a few minutes and try again.
"I will taste your bones."
The last step is to pull the flue free from the gas heater. You will feel a rush of air followed by a cold and panicked human hand forcing its way inside your mouth This is completely normal. As you pass out, do your best to protect your head from nearby objects and also double check that the gas is, in fact, off. The last thing you need is a gas leak!
When you wake up, check your chest and limbs for carvings in Latin. Refer to the glossary at the end of this book to determine what message has been scored into your flesh. Read quickly though because you will now be faced with the physical manifestation or your worst fear. Do you see it? If so, good. You'll have to fight it. To stand a chance, abandon all thoughts of love or attachment to life. Open your mind to vast potentials of torture, and unadulterated misery. A longing for pain and despair is the only way to defeat a terror this infinite. Kill. Kill and hurt as though they were your eternal purpose, strike with both your body and also your soul.
It will change you permanently.
Almost done! With your fear lying before you in a bloody pulp, it is now safe to remove the old water heater from the basement (you may want to enlist the help of a friend to avoid hurting your back). New water heaters are available at most appliance stores and you'll also want to pick up a temperature/ pressure release valve to prevent explosions if the heater ever fails again. They are relatively inexpensive and a great investment.


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02 52963405
Internationally recognized certificate with a history since 1908 evaluate the companies and institutions using a unique rating
The membership in this prestigious purely Czech registry enhances company image and provides better conditions for all types of credit services.
valuation based on a unique data analysis company Bisnode D&B. Part of the award is also getting a unique international DUNS number.
The certificate informs about reliability and minimal risk in making business from the rated company s performance of obligations point of view.


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May 4, 2011 —
The list of businesses that have already benefitted from the scheduled Phish concerts include Creekside Cabins in Roscoe, Days Inn in Liberty and the Sat Nam Inn-Bed & Breakfast in Hurleyville, all of which are listed as sold out for Memorial Day weekend.
Some rooms and camp sites, however, are still available. Many are listed in the Phish Guide at the Bethel Woods Center for the Arts website, www.bethelwoodscenter.org [2].
And residents in the Town of Bethel have the option of getting a permit to allow them to have four camping or tent spaces on their property, which can be used for guests.
The temporary permits have existed for years; this year the town imposed a $50 fee on them.
Roy Howard and Jeryl Abramson, who for several years held unofficial Woodstock reunions at their farm on Route 17B, have five parcels in the town and, according to Bethel Supervisor Dan Sturm, they also now have five permits, which allows them a total of 20 tents or campers on their property.
Perhaps that is one of the reasons that former supervisor Harold Russell, a well-known dairy farmer in town, is so concerned about what will happen once the Phish weekend actually arrives. Russell lives next door to Howard and Abramson, and battled alongside other town officials for about eight years to prevent the couple from holding the annual three-day parties at their place.
At one such planned event in August 2006, Russell and other town board members, as well as police officials, stood at the gate to the property and personally turned away would-be campers, successfully putting an end to the events.
Now, the Phish weekend is coming and Russell is concerned. He stood up at the town meeting on April 28 and said he feared that Route 17B would be so crowded over the weekend that he wouldn't be able to take his tractor on it, and that would further set him back in a season that has already put farmers three weeks behind schedule because of heavy rains.
Councilman Bob Blais said that town officials had recently met with representatives from Bethel Woods, as well as law enforcement agencies and others involved with the effort, and he was increasingly convinced that the weekend is going to go well.
Some 16,000 tickets have been sold for each of the three concerts, and people without tickets will not be allowed to turn onto Hurd Road, the approach to Bethel Woods from 17B.
Russell said he was concerned about the thousands of people who might show up without tickets. Blais said that research into past Phish concerts showed that only about 5% more fans turn up than those who buy tickets.
In a subsequent phone interview, Sturm said, "In the Town of Bethel, with all the work that everyone has done for the performing arts center, I think there's room for three large concerts to go on Memorial Day weekend, and farming to go on at the same time."


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Axis rifles save money without sacrificing performance. Savage didn't design a cheaper rifle; they designed a better way to make a Savage, including pillar-bedded barrels with more uniform cooling and greater consistency. These Axis Stainless XP rifles feature a modern design with silky-smooth bolt operation and a detachable box magazine. Drilled and tapped for scope mounts, these XP models come with a 3-9x40 matte blued scope, already mounted and bore-sighted, so it is ready to go on the hunt when you are. They also have a black synthetic stock coupled with a 22" stainless steel barrel to allow for multi-purpose shooting in multiple locales.
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9:00AM to 5:30PM PST, Monday to Friday
This epic journey through China will take you from ancient cities to cosmopolitan cities and stunning natural landscapes. Walk along the Great Wall in Beijing, gaze at the mighty Terracotta Warriors, then head south to encounter the beauty of Guilin before setting sail for a cruise on the dramatic Yangtze River. This diverse itinerary encompasses all of China's essential highlights on a two-week experience of a lifetime.
Grand Hyatt Beijing is one of the preferred hotels in Beijing for its unbeatable location right in the heart of the city. The hotel is located in the Dong Cheng district, minutes away from The Forbidden City and Tiananmen Square. Grand Hyatt Beijing hotel is part of the Oriental Plaza commercial complex and provides direct access to the adjacent shopping mall. Wangfujing Street right next to the hotel is a preferred shopping hub for traditional silk shops, tea houses and department stores. A modern 5 star hotel, Grand Hyatt Beijing offers the best of both worlds - a subtle blend of Western and Oriental traditions encompassing contemporary hotel design and world-class standards of service.
Address:1 East Chang An Avenue, Beijing, 100738
Tel:(86) 10 8518 1234
Located in one of the cradles of Chinese civilization, The Westin Xian offers total renewal just steps from the ancient city s myriad cultural attractions, restaurants and shopping. Experience refined Chinese hospitality in a storied location. Find an oasis of calm in our 326 spacious rooms and 32 one- to two- bedroom apartments. The Westin Heavenly Bed, rainforest shower, extra-large closets, and personal refreshment centers will provide an indulgent respite from the demands of the day.
Address:66 Ci En Road, Qu Jiang New District Xian, Shaanxi China
Tel:(86)(29) 6568 6568
Guilin s newest international five-star luxury hotel, the Shangri-La Hotel, Guilin sets new standards for luxury and service, placing it among the best Guilin hotels in this remarkable city. Being a premier Guilin luxury hotel Shangri-La Hotel, Guilin provides guests with an assortment of living spaces brimming with luxurious amenities and breathtaking views of the Li River. Overlooking the picturesque Li River, the 449-room Shangri-La Hotel, Guilin is ideally located for both business and pleasure. Guilin s leading tourist attractions, including Diecai Mountain and the city s charming pedestrian tourist area, are all easily accessible.
Address:111 Huan Cheng Bei Er Lu, Guilin, Guangxi 541004
Tel:(86 773) 269 8888
For over a decade, Victoria has been the leader in Yangtze cruising, because of the quality of the fleet, the outstanding service and innovative itineraries. All cabins on the premier ships have private balconies for viewing the spectacular Three Gorges scenery.
Address:57-08 39th Avenue, Woodside, NY 11377, USA
Hyatt on the Bund is a 5 star luxury hotel, uniquely located on the banks of the Huang Pu River at the northern end of the Bund in Shanghai, China. This central Shanghai hotel offers spectacular views of the Bund and Pudong, with convenient access to Shanghai s airports and major areas of the city. A member of the Grand Hyatt portfolio, Hyatt on the Bund hotel offers guests a unique experience with stylish venues for dining in Shanghai, sophisticated comfort, and functional meeting rooms equipped with advanced technological equipment.
Address:199 Huang Pu Road, Shanghai, 200080
Tel:(86) 21 6393 1234


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Please use this identifier to cite or link to this item: http://hdl.handle.net/1959.3/154194
- Title
- Fabrication and mechanical characterization of carbon nanotubes-enhanced epoxy
- Author(s)
- Faleh, Haydar; Shen, Luming; Al-Mahaidi, Riadh
- Abstract
- Owing to its outstanding characteristics in good affinity to heterogeneous materials, corrosion resistance and on-the-spot processing capability, epoxy has been widely used as adhesives in retrofitting structures with carbon fibre reinforced polymer (CFRP). In this study, different weight fractions of multi-walled carbon nanotubes (MWCNTs) will be dispersed into epoxy to produce toughened adhesives that can improve the CFRP/structure bonding performance. The preliminary results indicate that adding 2% MWCNTs to Araldite-420 increase its ultimate strength by 17% and its elastic modulus by 14%. Ultrasonic mixing may increase Sikadur-30's elastic modulus but reduce its strength and ductility regardless of the MWCNTs concentration. The mechanism of MWCNTs infusion effects on the mechanical properties of epoxy is also examined using SEM.
- Publication type
- Journal article
- Research centre
- Swinburne University of Technology. Faculty of Engineering and Industrial Sciences
- Source
- Advanced Materials Research: Advances in Building Materials: proceedings of the 2011 International Conference on Structures and Building Materials (ICSBM 2011), Guangzhou, China, 07-09 January 2011 / Lijuan Li (ed.), Vol. 168-170, pp. 1102-1106
- Publication year
- 2011
- FOR Code(s)
- 0912 Materials Engineering
- Keyword(s)
- Araldite-420; Carbon nanotubes; Composites; Epoxy; Sikadur-30
- Publisher
- Trans Tech Publications
- 1022-6680 (series ISSN)
- 9780878492077, 0878492070
- Publisher URL
- Copyright
- Copyright © (2011) Trans Tech Publications, Switzerland.
- Peer reviewed


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Notre Dame linebacker Manti Te'o has won the Maxwell Award, given to the nation's most outstanding player.
Te'o was presented with the award Thursday at the Home Depot College Football Awards show at Disney World. He beat out finalists and quarterbacks Johnny Manziel from Texas A&M and Collin Klein from Kansas State.
He is the first defensive player to win the award since 1980, ending a string of nine straight quarterbacks.
It's the sixth national award that Te'o has won since the end of the regular season. The Fighting Irish senior has also has won the Bednarik Award, Butkus Award, Bronko Nagurski Trophy, Lombardi Award and Walter Camp national player of the year award.
The former Punahou star is also a finalist for the Heisman Trophy, which will be presented on Saturday.
Te'o passed former Michigan star Charles Woodson's record for national postseasons awards. Te'o has six postseason awards so far; Woodson had five awards in 1997, including the Heisman.


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A Walk in the Clouds of South Coast
A Walk in the Clouds of South Coast
A lush, romantic movie drama about a beautiful Napa Valley Vineyard, its trials and successes in making great wine, came on screen in 1995 starring Anthony Quinn and a very young Keanu Reeves. At the same time I and many others were enjoying the film, Jim Carter, since 2003 the owner of South Coast Winery in Temecula, was promising himself he would live out the inspiring message of a Walk in the Clouds and take 400 acres of family purchased land near the Peak of Mount Palomar and make it into a classic vineyard.
It's a tribute to the care of the environment that Carter and his team have implemented at South Coast , that most of Wild Horse Peak lies within the Cleveland National Forest, a beautiful, pristine public preserve. The 800 vines per acre are mostly in a vast meadow, in harmony with the natural brush and tree formations of the canyons.
Varietals that I would recommend when you look for the Wild Horse Peak Mountain Vineyard label include: the 2006 100% Sangiovese, a recent Best of Class Gold ( $34.); 2006 Cabernet 4-Block Blend Best of Class Gold($28.); 2008 Tempranillo which is new and is tasting beautifully ($18.) Wine club prices are approximately 25% less.
South Coast has run up an excellent record of awards for their wines, including the "Golden Bear" California Winery of the Year, 2 years in a row in 2008 and 2009. It's not just about the winery. Its Vineyard Rose Restaurant claimed its first "Award of Excellence" from Wine Spectator Magazine and the Grape Seed Spa has 11 treatment rooms and complete spa services. Private villas in the vineyard feature terraces, fireplaces and Jacuzzi tubs.
A walk around the winery and resort with founder and dream builder Carter reveals that he …"wanted to share the complete wine country experience. Guests enjoy the finest wines paired with the finest food and stay in a private villa in the middle of a vineyard. "Learn more by visiting www.WineResort.com. Or phone 951-587-9463.


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Palm Beach Money
Tag: EBRI research
In case you've forgotten, it's National Save for Retirement Week
- 7:39 pm Thursday, October 25th, 2012 by Dian Vujovich
If you're at all like me, you may have forgotten that the third week of October is National Save for Retirement Week. It extends from October 21st to October 27th, this year.
The week received its designation when two Senators, Gordon Smith (R-OR) and Kent Conrad (D-ND), introduced a resolution meant to encourage folks to participate in their employer-sponsored retirement plans. The simple resolution (S.Res.550 (109th)) was passed on September 13, 2006. Remember? Didn't think so.
The importance of this week almost passed me by and of course there is no excuse for that. Then again, there may be one: When given [More]


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It wasn't that long ago that most people thought animals were purely instinctual creatures. But research in recent decades has consistently revealed that many animals are capable of problem solving, communication and even understanding human speech.
Can you name the smartest animals in the world? View the list to see if you were correct.


text: At 43" (Diagonal) the PRO-800HD is smaller than the PRO-1000HD, but it still packs a mind-bending visual wallop. The PRO-800HD delivers all the industry-leading features found in the PRO-1000HD, such as Deep-Encased Cell Structure, PureCinema II, automatic format conversion of analog signals to 768 progressive, and five-step user-adjustable color temperature. It displays movies, TV, and other video plus data from a PC. And it provides the same high level of connectivity, including high-def component video, RGB (for a PC or Mac), and a wide range of other ins and outs. So what's the big difference in the two models besides size? Check out the price tag. The Elite two-year warranty applies.


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Stars and their coursesJune 11,2013
Since 1959, when Alaska and Hawaii joined the union, there have been 50 American states, and in recent years it has become commonplace to regard each of them as either red (predominantly conservative) or blue (predominantly liberal), based on their prevailing voting patterns.
Obviously, no state is all red or all blue, and in fact the number of conservative and liberal voters in some states is so close, or so subject to change, that some political analysts label them purple. On Election Day the voting in these states is therefore more difficult to predict with accuracy.
But is 50 the magic number? Perhaps not. The Christian Science Monitor recently published articles about unhappy conservatives in some Colorado counties and equally unhappy liberals in some Arizona counties talking about forming what would be our 51st and 52nd states. The same edition referred to similar debates in Texas, where the issue of secession has a longer history.
As the newspaper noted, the road to forming a new state is a difficult one. Thats because of these words in the Constitution of the United States: No new State shall be formed or erected within the Jurisdiction of any other State; nor any State be formed by the Junction of two or more States, or Parts of States, without the Consent of the Legislatures of the States concerned as well as of the Congress.
But it can be done, the Monitor added. According to the National Constitution Center in Philadelphia, this process has been used successfully to create five states: Vermont (from New York, in 1791); Kentucky (from Virginia in 1792); Tennessee (from North Carolina, in 1796); Maine (from Massachusetts, in 1820); and West Virginia (from Virginia, in 1863).
And advocates take the subject seriously. Thursday, a website favored by pro-secession activists complained that Colorados Democrat-controlled Legislature had recently passed laws for stricter gun control, greater reliance on renewable energy in rural areas, and restraints on what some considered cruel treatment of livestock.
Our vision and our morals are no longer represented by the state (Legislature) and the current (governors) administration, and we think its time that we do take seriously what our options are, one unhappy county commissioner declared. This is just one of our options, but we will be moving forward with it.
In Arizona, the storys the other way around. It is the liberals in Tucson who are fed up with the conservative governor and Legislature in Phoenix, according to the newspapers report.
Theres always been kind of a resentment that Phoenix dominates Arizona politics and therefore they tell us what to do, a former Tucson-area Democratic Party chairman stated. They say they dont want the federal government to meddle in state politics, but theyre interfering with our county and municipal governments.
And the Arizona situation has its own special elements. Marshall Trimble, the states official historian, believes history has created some of the critical differences between Tucson and Phoenix. He cited Tucsons European roots, dating to the late 1600s, and its affection for its Spanish, Mexican and Native American heritage. Phoenix didnt come along until the 1860s and lacks that heritage.
The agitation for secession, statehood or even independence may be spreading. Besides the Texans who would secede to escape the long reach of the federal government they dislike, there have been advocates of statehood for Washington, D.C., Puerto Rico and even Long Island in New York. Some in Alaska have raised the possibility of pursuing independence.
Its probably a good thing Vermont bolted from New York when it did.MORE IN EditorialsProtesters converged on a bank in Montpelier early this week to show their solidarity with the... Full StoryPhil Scott will take office next month after winning with a margin of 51.11 percent to 43. Full StoryIdeologues and partisans work from the outcome backward. Full Story
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text: My 4.5 month old has been doing unusual things lately, and I was wondering if any of you are experiencing these things. Not worried, just curious. Rolling her tongue over her gums (think she just discovered this), humming a LOT, trying to nurse while sticking her fingers in her mouth and tonight...blowing raspberries while nursing!!!! Milk and drool going everywhere. I didn't experience this with my DD1..well, except for trying to nurse with fingers in her mouth, too. Anyone else???


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Ligety impressive in USAC slalom victoryMarch 24,2013AP PHOTO
Ted Ligety of Park City, Utah, drops low to the snow and carves a victory circle in the finish area after his second run of a slalom at the U.S. Alpine Championships skiing competition in Squaw Valley, Calif., on Saturday.THE ASSOCIATED PRESS
SQUAW VALLEY, Calif. World Cup star Ted Ligety won the slalom Saturday in the U.S. Alpine Championships, sweeping both runs for a 1.48 second victory.
Ligety, from Park City, Utah, won his seventh U.S. title and first since 2007 when he won the giant slalom and combined.
Its cool to hang out with all the younger kids and its cool that they all came out and watched, Ligety said. Its definitely nice to spend some time with the young fans. If youre going to race, you might as well try to win. Im definitely happy to put together two slalom runs. I havent won a slalom race in a long time.
They did a great job with the course prep. The conditions were awesome especially for the temperatures. You can really attack it. Ive never skied at Squaw before, so this is definitely cool to come someplace new and they seem like theyre doing a great job. They did a great job on the hill. The crowd is pretty into it, so its fun to have races in places like this.
Ligety won the season-ending World Cup giant slalom last week in Switzerland en route to his fourth World Cup giant slalom title. He finished the World Cup season with six giant slalom victories to join Ingemar Stenmark as the only men with six GS wins in a season.
Ligety also won three gold medals in the World Ski Championships this season to become the first man since Jean Claude Killy in 1968 to win three or more gold medals.
Will Brandenburg of Spokane, Wash., was second, and Colby Granstrom of Lake Stevens, Wash., finished second. Brandenburg won the combined event with the fastest combined time from the super G and slalom.
I wanted to go for it a little bit more and I just didnt really have it today, Brandenburg said. I didnt have that gear that would be able to win a ski race. So I got to the bottom and was happy.MORE IN Wire SportsORLANDO, Fla. Full StoryOXON HILL, Md. Wade Davis already had closed out a World Series. Full StoryBOSTON New Boston Red Sox pitcher Chris Sale said he isnt worried that he might not be the ace... Full Story
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- Manufacturer: AmeriGlide
- Model Number: ptmr570-h
This price is set by the manufacturer.
Call for our lowest price.
Call for our lowest price.
AmeriGlide showed that it truly listens to customers with this lift chair. Developed in response to requests from customers looking for real leather fabric on a full featured lift chair, AmeriGlide came up with the Leather Lift Chair. It uses AmeriGlide's most popular lift chair frame as a base. That chair is then covered in soft and supple real leather. Every place you will be in contact with the chair in the course of use, including the seating area, arms, and arm & head covers are covered in real leather. Other surfaces are matched vinyl to make upkeep easy and keep costs down. Other features include a fiber filled pillow back, overstuffed arms, and AmeriGlide's top quality lift and recline mechanism.
Our customers have rave reviews about this chair. If you're looking for the top of the line chair you have found it!
Our customers have rave reviews about this chair. If you're looking for the top of the line chair you have found it!
Product Resources
Product Specifications *
- Weight Capacity: 375 lb
- Recline Positions: 3
- For People Taller Than: 5' 5"
- For People Shorter Than: 6'
- Chaise Seat Included: Yes
- Head Rest Cover Included: Yes
- Arm Covers Included: Yes
- Battery Back Up Included: Yes
- Meets CAL 117 Fire Retardant Code: No
- Back Height: 26.5"
- Overall Width: 36"
- Seat Height: 20"
- Seat Width: 20"
- Seat Depth: 20"
- Space Needed for Full Recline: 16"
* Chair specifications may vary plus or minus one inch due to home owners environment, fabric selection, foam and other variables in the manufacturing process.
Product Reviews
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Dec 18, 2009 8:46 AM
|Comfortably situated from St. Cloud, MN would recommend this to a friend.
|A Little About Myself
|Average Health
|The chair was as advertised. The leather is attractive. However, it makes a rubbing noise when changing positions. It will be appreciated more with time. It has taken some adjustment and will serve its purpose. The service was outstanding. Thank you.
|12 of 16 people found this review helpful


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My LO is only 8 months old and I would like to breast feed her for 1-2 years. However, I just started spotting this morning so I think my priod is coming back. Does this mean my body will stop producing milk and I will have to wean? I know some moms nurse for a very long time, how do you keep the milk going? I have not cycled since December 2005 (20 months!) and I am not ready to cycle again!
Any suggestions?


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Chelsea Boys 2013-14 black shirt. Features matte stripes down the sides, with silver piping and adidas' signature three stripes in silver.
Chelsea team crest and adidas logo at front, team kit sponsor screened underneath.
Clima Cool,100% polyester.Add any player or custom in official lextra style.
Soccerplus first opened in 1994. We were one of the first soccer websites to hit the webView more
Address: 1640 E. Washington Blvd.
Pasadena, Ca 91104, USA
Phone: 1-800-945-7291
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6" x 8" 2-Way Speaker with 180 Watts Max. Power
30 Watts Nominal Power
1-3/16" Balanced Dome Tweeter
IMPP Composite Cone Woofer
Price: $60.00
Need replacement 6" x 8" custom-fit speakers, like for a Ford or Mazda? Search no more. Our TS-G6843R speakers are excellent choices to replace a bad set of factory 6"x8" speakers. Their two-way design handles 180 watts max. power (30 watts nominal) and feature Pioneer's extremely strong and lightweight IMPP™ Composite Cone Woofer, for improved sensitivity and reduced distortion.
You don't get just basic, run-of-the-mill features either. The Conex Damper delivers higher power handling and deeper bass, and the 1-3/16" Balanced Dome Tweeter with High-Energy Neodymium Magnet reproduces highs with great performance and musicality.
Custom-Fit basket fits Ford and Mazda vehicles. 6" x 8" provides larger cone and deeper magnetic structure for improved bass performance.


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I can't stress the importance of research, strategy and planning (enough) in any good marketing strategy. I attempted to describe this in my post from this April titled: Moving the Needle with "New Media" – Technically Speaking (under the subheading: Finally, don't just throw your time or budget away!) A solid digital business strategy will ensure that the work done has an incremental and long-term value for years to come. Is this branding at its best?
Yesterday, I was training a small group on best blogging practices. Good thing, I'm able to use my own blog as an example of how content marketing has a "shelf life of years."
I have started several blogs over the years either for friends, clients and even myself – all with a variety of different purposes or strategies. This very blog (http://www.freshmenz.wordpress.com) (originally) started in May of 2008 to discuss products that my family uses in our home.
In May of this year, I started using this blog to discuss topics of interest to share certain passions, experiences and stories in my life. Thus, I began writing somewhat regularly on this blog. As it began to pick up popularity with my content on social media and digital marketing, this caused some confusion with some of my audience.
For example, I had a Michigan business coach tell me that he loves my blog but "what is up with Freshmenz Enterprises offering UV air purifiers, laundry products, UV water purifiers, etc?" Although he knows why, I understood what he meant. It is confusing to a user searching for this information (potentially looking for air and water purification products) and end up coming to a blog (mostly talking about digital media and social strategies.)
Back in 2007, I had started an e-commerce website (using the domain http://www.freshmenz.com) and set up a low budget website with a shopping cart to sell these products directly. I mass distributed a press release and was also very active in social communities engaging people with similar interests, sharing and collaborating on information about the green technologies that I was passionate about, used in my home and offered via my e-commerce website.
I originally intended for people to find me and ask me how these products have helped my family. At that time, I found how to becoming a valuable resource for people online (rather than trying to sell directly to them) results in developing many great relationships. I developed a nice customer base with customers all over the United States because they found my content useful and/or informative (via various locations on the Internet.)
Today, I use this domain for my blog yet this content still exists on hundreds of web sites driving traffic to this property. Although, I am still a resource for these products the user experience may be confusing for those who click through looking ti find information on how to clean their clothes without using laundry detergent (e.g. LaundryPure). That is… unless they find this specific post (or some other specific previous post), it is easy to understand how they could easily be lost, confused and annoyed. The fact that this content has a shelf life for many years is exactly why you want to have a solid strategy in place first (and foremost.)
I've worked with small brands (e.g. Freshmenz Enterprises), medium brands and large International brands on digital marketing efforts that use content to become an authority in a variety of different areas. Whether you are a major automotive supplier, a non-profit organization, a small business or a professional blogger… your Internet presence needs a strategy for long-term success.
I apologize for (originally) not having a specific plan in how I would use this domain and this blog. However, it has been a great example to show friends, colleagues, prospects and clients. Does your brand have a long-term digital strategy?


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Boxy Tee
Style: 570102447
Out of Stock
Boatneck tee refined in stretch silk charmeuse with grosgrain ribbon accents. Modern dolman sleeves are finished with chiffon cuffs and beveled buttons.
- Relaxed fit.
- Decorative button on sleeves.
- 92% Silk, 8% Spandex. Hand wash. Imported.
- Hits at lower hip (26.75" from shoulder to hem).
Read more… Read less…


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"I recently found you through my smartphone and I'm hooked. I find the program very interesting as I try to deepen my faith and knowledge of the Catholic Church. I have a lot of friends who converted to Protestant churches. I will continue to learn every day, and hopefully I can share what I've learned with them."
~ Seri, South Korea
"The [secular] sense of right and wrong is so delicate, so fitful, so easily puzzled, obscured, perverted, so subtle in its argumentative methods, so impressionable by education, so biased by pride and passion, so unsteady in its course, that in the struggle for existence amid the various exercises and triumphs of the human intellect, the sense is at once the highest of all teachers yet the least luminous."
~ John Henry Newman, "Letter to the Duke of Norfolk", from the article on Morality by G. H. Joyce.


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Mary Ann MontiAugust 23,2013
Mary Ann Monti
BARRE The Mass of Christian burial for Mary Ann Monti, of Berkeley Street, was celebrated Tuesday, Aug. 20, 2013, at 10 a.m. in St. Monica Catholic Church. She died at her home on Aug. 12, 2013, under hospice care.
The Rev. Leopold Bilodeau, pastor of the church, was the celebrant. Crucifer Lawrence Reilly read from the Old and New Testaments, led the Prayer of the Faithful and was altar server.
Words of remembrance were offered by her cousin, Sandra Galli Ferber.
Organist Rosie Badeau accompanied singers Romeo Bilodeau and Ronald Routhier in the hymns, Here I am Lord, Prayer of St. Francis, Ave Maria, Song of Farewell and Lift High the Cross.
Longtime family friend and violinist Jane Morale played Be Thou My Vision at the Mass and Amazing Grace at the cemetery.
Burial followed in the Elmwood Cemetery, where Father Bilodeau read the committal prayers.
The bearers were: Joseph Kelly, William Robie, Real Maurice and Henry Bilodeau, all members of the Bishop Brady Council 399, the Knights of Columbus.
The Hooker and Whitcomb Funeral Home, 7 Academy St., Barre, was in charge of the arrangements.
Born Feb. 2, 1932, in Barre, Mary Ann was the daughter of Andrew and Erma (Carminatti) Monti. She attended Lincoln Elementary School and graduated from Spaulding High School in 1950.
In 1955, she graduated from the Boston University School of Nursing with a bachelors degree in nursing, as well as being a registered nurse. She later attended the University of Colorado in Denver, during the summer months, and became a nurse practitioner.
Mary Ann had a long career in the nursing profession, as a public health nurse in Chester, a nursing home inspector for the Vermont Department of Public Health, and will be remembered as being in charge of medical services as school nurse at Spaulding High School until her retirement.
She enjoyed her dogs, children, skiing, art, music, her beloved Vermont, and was a longtime communicant of St. Monica Catholic Church.
Her only survivors are several cousins.
Besides her parents, she was predeceased by her brother, Lt. Col. Charles A. Monti, U.S. Air Force retired.MORE IN ObituariesFrederick A. Full StoryBonnie L. Full StoryRichard E. Lemery
WATERBURY Richard E. Full Story
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The Olde Savannah Inn, Savannah's award winning bed and breakfast, is a one of a kind. This luxury Savannah bed and breakfast was built in 1877 and restored in 2005. Situated one block from the famous Forsyth Park, it is the perfect location to watch the St. Patrick's Day parade. This historic Savannah Inn , in Savannah Georgia is just steps away from Savannah's award winning restaurants and unique shops. If you are looking for high standards of 5-star luxury and Old world southern charm The Olde Savannah Inn is the perfect choice.
The owner, Kathleen, is a native of Boston. She always admired the stately and regal mansions of the South. After her career in real estate came to an end, she moved to Savannah, the city that captured her dreams. In order to enable others to enjoy the city as much as she had, she decided to open a Savannah bed and breakfast. She decided that her Savannah Inn would be built with French Renaissance with upper scale amenities. Kathleen designed her bed and breakfast in Savannah Ga in grand Southern style including guild mirrors, 18th century French antiques, Louis XIV style, Kathleen's focal point in designing her Savannah bed and breakfast. was to create the finest and most desirable Romantic Getaway in Savannah, Georgia.
Seducing her guests to the glamorous and yet comfortable "at home" feel, Kathleen has succeeded in her mission. From the moment you step into this stunning Savannah Bed and Breakfast, you will be greeted with the warmest and most sincere Southern Hospitality. You see, you can have both, Northern Flair with Southern Hospitality. Kathleen has elevated the bar for all Savannah Bed and Breakfast... More than the value of her collection, is her genuine love for her guests.
The Olde Savannah Inn, Savannah's Best Bed and Breakfast Inn offers not only the finest and most luxurious accommodations, but most importantly, the warmth and sincerity of the Innkeeper is the real reason to come. Kathleen is always waiting for her royal guests to arrive.
Welcome to Savannah, and welcome to memories that last a lifetime.
Savannah's attraction for us is it's history, it's architecture, it's entertainment and it's food but mostly we just love it's people.


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Portman: Obama Misses The Point On Debt Ceiling
During yesterday's Obama PC, he stated that he was a "pretty friendly guy", which got a lot of laughs from the lapdog media, which had asked if he was "too insular". Of course, that seems to apply only to partying, playing golf, and vacations, but, not to people in both his own Party and towards Republicans/Conservatives. He later went on to provide another laugh-riot soundbite
(Politico) "While I'm willing to compromise and find common ground over how to reduce our deficit, America cannot afford another debate with this Congress over how to pay the bills they've already racked up," Obama said at the press conference. "To even entertain the idea of this happening, of America not paying its bills, is irresponsible. It's absurd."
Do you know what is absurd? The debt clock stands at $16,452,197,201,456 (I had to freeze the last 8 numbers at some point, because they just kept going up and up and up). As Glenn Reynolds points out, Obama owns the debt, which is up 60% since he first took office.
What's also absurd is that Obama is willing to compromise. Every fiscal issue is a massive fight, since he takes a hard stand before even talking, is unwilling to listen to opposing voices, especially those who were also elected by American citizens, and then when a deal is finally hammered out, demands more in order to scuttle the thing.
Sen. Rob Portman (R-Ohio) said Tuesday that President Barack Obama "misses the whole point" with regard to the debt ceiling and government spending.
"Yes, we need to raise the debt limit at some point, but we have to do it in the context of getting the spending under control. The president says we need to pay our bills. He misses the whole point. The point is we need to adjust what bills we're paying and how we're paying them," Portman said on Fox News.
"It is a compelling message saying we need to pay the bills that we've racked up. But it misses the whole point. Think about it in terms of a credit card," said Portman, who served as budget director for former President George W. Bush. "If you have a son or daughter who exceeds the limits, what do you do? The first thing you do is probably rip up the card. The second thing you do is say, 'We need to change our spending habits.' This is what the president won't do."
Of course not. Because it's not Obama's money. He just wants what he wants, regardless of the consequences. I have to wonder if Obama has considered what kind of nation he's leaving to his children? Does the thought cross his mind? And if thinks he's making things better, then he's a complete fool. This nation is broke. And he's taking it down a road to ruin.
Is Obama missing the point? Or does he just not give a damn?
BTW, during the few minutes it took to write and cut and paste everything after the debt clock, it now stands above $16.452.201 trillion.
Crossed at Pirate's Cove. Follow me on Twitter @WilliamTeach.
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Even though my father, brother, uncles and grandfather were in the military, I seldom handled guns growing up. That's because unlike many of the other people in my family, I've...Read More
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Home List of Titles General elasto-plastic finite element formulation based on incremental deformation theory for planar anisotropy and its application to sheet metal forming
Please use this identifier to cite or link to this item: http://hdl.handle.net/1959.3/191832
- Title
- General elasto-plastic finite element formulation based on incremental deformation theory for planar anisotropy and its application to sheet metal forming
- Author(s)
- Yoon, J. W.; Yang, D. Y.; Chung, K.; Barlat, F.
- Abstract
- A new implicit approach for the incremental analysis of planar anisotropic elasto-plastic sheet forming processes was developed based on the incremental deformation theory of plasticity. The incremental deformation theory based on minimum work paths enables convenient decoupling of deformation and rotation by the polar decomposition. The mathematical description of a constitutive law for the incremental deformation theory has been previously derived from the flow theory along the minimum plastic work path. The resulting incremental constitutive law is frame-indifferent (objective) since the theory uses the materially-embedded coordinate system. Utilizing the natural convected coordinate system in the incremental variational formulation, the geometrical evolution of materials and the rotation of planar anisotropic axes were effectively incorporated. Planar anisotropy was represented using a nonquadratic yield function. For verification purposes, the onset of necking as well as the earing of aluminum alloy sheet samples were simulated for circular cup drawing and NUMISHEET'93 square cup drawing. The simulated results were compared with experimental results. Simulation was also carried out for NUMISHEET'93 front fender in order to show a computational efficiency and robustness.
- Publication type
- Journal article
- Source
- International Journal of Plasticity, Vol. 15, no. 1 (Mar 1999), pp. 35-67
- Publication year
- 1999
- FOR Code(s)
- 0905 Civil Engineering; 0912 Materials Engineering; 0913 Mechanical Engineering
- Keyword(s)
- Deformation; Elastoplasticity; Finite element method; Planar anisotropy; Sheet forming; Sheet metal
- Publisher
- Pergamon
- 0749-6419
- Publisher URL
- none
- Copyright
- Copyright © 1999 Elsevier Science Ltd. All rights reserved.
- Peer reviewed


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The Biggest Fashion News Headlines of 2012
The Biggest Fashion Moments of 2012, From A to Z
Photo 1 of 27
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The Biggest Fashion Moments of 2012, From A to Z
Designer shake-ups, editor switcheroos, and more peplums than you could shake a hip at: 2012 had it all. Herein, we break down the biggest fashion stories of the year, alphabet style. Click through to relive it all — the gossip, glory, triumphs, scandals, and everything in between — in our most extensive year-end recap yet.


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Does your alma mater matter?
Many of those starting university in a few weeks may have little clue what they want to do when they emerge, but any of them organised enough to have their sights already set on a career in fund management might be keen to know how the institution they are about to join could affect their prospects.
It may be no surprise that the sector is long Oxford and Cambridge, which between them provide a much bigger proportion of City fund managers than any other university, about 20% of the total.
However, Oxbridge entrants tempted to feel smug about that may be shocked to find that graduates from their universities average far from the best recent performance, according to analysis by Financial News. In some areas they are outstripped by the products of universities that Oxbridge aspirants would have shuddered to put on their application forms.
Almost a third of fund managers in the City are graduates of five universities: Oxford, Cambridge, Edinburgh, Durham and Bristol.
Of the 1,482 fund managers of UK unit trusts and open-ended investment companies within the FE Analytics database, Financial News identified the undergraduate universities of 1,157. Oxford accounted for 11.5%, Cambridge 9%, Edinburgh 4.8%, Durham 3.7% and Bristol 3.3%.
The next five were London School of Economics (2.6%), Exeter and Strathclyde (both 2.3%), Warwick (2.2%) and St Andrews (2%). There was a notable number of managers from "new" universities – those given university status since 1992.
Most of the largest City asset managers were reluctant to comment on their graduate hiring.
However, Russell Investments shared the academic profiles of its most recent graduate intake, which included a broad mix.
It ranged from Cambridge and the LSE to the University of Worcester, which was granted university status in 2005.
Jo Smyth, senior talent acquisition partner at Russell Investments, said this was because asset managers were increasingly looking for more than a degree in economics, good grades and a stint in the university's investment club.
She explained: "If we are hiring somebody for a technical role, we would expect them to be technically capable, but there is an expectation that people have more than just Excel."
Smyth said many of the recent intake were able to demonstrate programming language skills in Matlab, VBA, SPSS, EViews and other packages. While these additional skills are an example of what is sought after, other companies are looking for broader international experience.
Graeme Anderson, chairman of TwentyFour Asset Management, said his firm's recruitment policy aims to avoid "groupthink" by recruiting widely, including overseas.
He said: "If you end up getting people that just think the same way at the same time, that doesn't seem efficient to me. Everybody can sometimes give you that nugget of information that helps. I'm not saying that is the right model, it's just our model."
While most asset management firms make a point of recruiting portfolio managers from a range of universities, the make-up of many firms still has a preponderance of graduates from the top five. Among firms with 15 managers or more, the data showed only one – Neptune Investment Management – where more than 85% of the fund managers were from Oxford and Cambridge. Neptune declined to comment.
Other asset management firms were more diverse, but Cambridge graduates outnumbered the rest at Allianz Global Investors, BlackRock and Fidelity. Cambridge and Edinburgh were well represented at Axa Investment Managers.
Oxford graduates were more common at Invesco Perpetual, JP Morgan Asset Management and Schroders. While M&G Investments had a relatively high number of Oxford graduates, it also had a high number of graduates from the LSE.
Scotland-based Baillie Gifford and Standard Life Investments had a higher number of Edinburgh graduates, while Scottish Widows Investment Partnership – now part of Aberdeen Asset Management – showed a strong intake from Strathclyde University.
Bristol and Nottingham graduates scored top in the two equities sectors we studied, UK all companies and UK smaller companies, respectively. In all companies, Cambridge came 18th and Oxford 30th. Both were beaten by Southampton, Loughborough and Manchester.
The study used the IMA definition of UK all companies, including all UK unit trusts and Oeics, which are "at least 80% invested in UK shares and have a primary objective of achieving capital growth". UK equity funds that fall outside this description were not included.
Bristol graduates returned 59.82% on a cumulative basis over three years to the end of July, against a peer group average of 39.1%.
Of those universities best represented in fund management, Oxford graduates returned 38.02% and Cambridge graduates 42.64%, Edinburgh graduates were 41st, returning 30.96%, and Durham graduates were 37th, returning 34.42%. Southampton (51.8%), Loughborough (51.53%) and Manchester (51.48%) were all just outside the top five but way ahead of the peer group average.
UK smaller companies is defined by the IMA as "funds that are at least 80% invested in shares of UK companies which form the bottom 10% by market capitalisation".
Nottingham graduates returned 92.38% – 37% ahead of the average peer group return. Graduates from Manchester (53.56%), Exeter (50.18%), Cambridge (46.03%) and Edinburgh (38.21%) all returned less than the peer group average.
Fixed income
Nottingham and Exeter came top in sterling bonds and global bonds, respectively. In sterling bonds, Nottingham graduates returned 27.55%, compared with a peer group average of 21.37%. Manchester (25.26%) and Hull (25.02%) were unlucky not to make the top five places. Queen's University, Belfast returned 26.12% – enough to be listed in the top five – but had fewer than the required 10 results. Edinburgh was 13th with 23.07%, Durham was 17th with 22.27%, the LSE was 19th with 21.72%.
In the other fixed income sector analysed – global bonds – Exeter graduates returned 30.97%. Notable performances outside the top five included Manchester Metropolitan University (11.97%) and St Andrews (10.48%). Oxford graduates returned less than the peer group average, with 8.61%, while Edinburgh returned 8.1%.
Real estate
The performer that came out top – the University of the West of England, with a return of 45.36% – was excluded because the performance comprised fewer than 10 fund managers and was therefore ineligible. As a result, Heriot-Watt University topped the table, with 24.28% over the three years.
Northumbria University, in Newcastle upon Tyne, was the only "new" university to make the top five in any sector analysed. In the property sector, however, there was a broader spread of "new" universities, with representation from Greenwich University, Nottingham Trent, De Montfort and London South Bank.
• How we marked the class
The make-up of individual firms and sectors as a whole is not unexpected. The surprises in our study were from how the average performance of graduates of different universities compared. Nottingham graduates came top in two fund sectors, with Bristol, Heriot-Watt and Exeter top in the others. Oxbridge graduates did not top any of the categories.
Financial News charted the performance of managed funds across five fund sectors: UK all companies, sterling bonds, real estate, global bonds and UK smaller companies.
Fund performances were measured over the three years to the end of July on a total return basis in local currency. The research measured each individual fund performance, together with the fund manager of that fund over the three years to the end of July 2014.
In instances where a fund is managed jointly by up to three fund managers, we attributed the performance to each individual. Where more than three fund managers were said to be managing a fund, they were dropped from the analysis.
From this, we were able to assign an average score in each sector to the graduates of a particular university. Any university represented in fewer than 10 funds was dropped from the analysis. For those universities that narrowly passed this test, the numbers need to be treated with a little more caution because the performance can be swayed by a small number of high – or low – performers.
Research limitations
While this research was able to chart fund managers who graduated from the same university and who managed funds in the same sector, it does not account for the fact that some fund managers have targets other than straight outperformance, such as volatility management, for instance. Nor does the research chart the subject that each manager studied at university, meaning that it could be claimed that some degrees have more relevance to fund managers' day-to-day work than others.


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Personal statements are an important requirement in the application process. They are a great way to tell readers about you. Use these essays as an opportunity to highlight your personal experiences for college and scholarship applications.
Are personal statements really necessary?
Yes. Use the personal statement for either college admission or scholarship applications to highlight your personal experiences and tell readers all about you. Statements also give reviewers a chance to see your writing skills.
Most applications are due between November and February of your senior year in high school.
What does a personal statement look like?
Essays can range from short (200-500 words) to long (900+ words). In general terms, essays should be typed, double spaced with a font no smaller than 10 points. One page is usually equal to 250 words.
The suggested format is two pages, double spaced, and follows typed this structure:
When writing a personal statement, use standard formatting; it is more important to demonstrate that you can say what you need to say concisely than to be exhaustive.
In your writing, make sure you are answering the question posed. You should support your main ideas with the best example or anecdote. Be sure to include only relevant details and use smooth transitions to tie your essay together. The process of writing a personal statement can be broken into steps:
Step One: READ application thoroughly and ANSWER the specific questions posed by each application. It is tempting to use the same statement for every application, but you may limit yourself this way. If a particular admissions application asks a question about something that you do not address, you will lose points!
Step Two: Give yourself enough time to review and revise and especially to get someone else to review it for you. If you give an outside reader a very short window to read and give feedback you may not get the best results, or you may not get it back in time to use the feedback constructively.
Step Three: Review the draft yourself. Give the draft to a peer and an adult (teacher, counselor, parent) to review at the same time you are reviewing your draft even if it isn't your best work. Things to keep in mind when reviewing your draft: Did I answer the questions? Did I use Spell Check? Check the writing tips against your writing.
Step Four: Incorporate feedback from others; make corrections.
Step Five: Read it once more, if you have time, have someone else read it once more.
Step Six: Finalize the draft by incorporating the last revisions.
Step Seven: Make photocopies as well as keeping an electronic copy if possible. The last thing you want to do is start all over if your hard drive crashes, you lose your disk or your application is lost in the mail.
Some applications give very open-ended questions.
Here are some common questions asked in the essay portion of scholarship and admission applications:
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This study is provided by ICPSR. ICPSR provides leadership and training in data access, curation, and methods of analysis for a diverse and expanding social science research community.
African Coup Events Data, 1986-1990 (ICPSR 6869)
Principal Investigator(s): Wang, T.Y.
This survey focuses on coup events in African countries where a state's military, security, or police force was involved. Annual data were collected for coup events between 1986 and 1990 in 45 sub-Saharan African countries. This study replicates McGowan's coding scheme and method of collecting African coup data (see the Related Publication section). Variables include number of successful, attempted, and plotted military coups, as well as year and country name.
Access Notes
These data are available only to users at ICPSR member institutions. Because you are not logged in, we cannot verify that you will be able to download these data.
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Study Description
Wang, T.Y. AFRICAN COUP EVENTS DATA, 1986-1990. ICPSR06869-v1. Normal, IL: T.Y. Wang, Illinois State University, Dept. of Political Science [producer], 1995. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 1997. http://doi.org/10.3886/ICPSR06869.v1
Persistent URL: http://doi.org/10.3886/ICPSR06869.v1
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This study was funded by:
- National Science Foundation (SBR-9320554)
Scope of Study
Subject Terms: civil disorders, coup d'etat, internal political conflict, military regimes
Geographic Coverage: Africa, Sub-Saharan Africa, Global
Time Period:
- 1986--1990
Date of Collection:
- 1994--1995
Universe: Sub-Saharan African countries.
Data Types: event/transaction data
Data Source:
Index to THE NEW YORK TIMES, Keesing's Contemporary Archives, AFRICAN RESEARCH BULLETIN, and Foreign Broadcast Information Services (McGowan, 1986: A-3)
Extent of Processing: ICPSR data undergo a confidentiality review and are altered when necessary to limit the risk of disclosure. ICPSR also routinely creates ready-to-go data files along with setups in the major statistical software formats as well as standard codebooks to accompany the data. In addition to these procedures, ICPSR performed the following processing steps for this data collection:
- Checked for undocumented or out-of-range codes.
Original ICPSR Release: 1997-04-14
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This print started out as a baseball card more than twenty years ago. Every aspect of it is designed to preserve the original look and feel of the card, from the printing pattern to the slightly worn edges. In fact, this print started by finding the actual card in our vault and then painstakingly re-mastering it with a team of designers. The authenticity extends to manufacturing; each print is made on high-quality, cotton fine art paper that measures 1/64 inches in thickness. Framed prints feature 2-inch flat wood or metallic frames with high-end, glare-resistant glass. And all prints are officially licensed by MLB and the National Baseball Hall of Fame.
Marty Castillo wouldn't play for the Detroit Tigers or any other team in the 1986 season, the year this card was released. The team released him in January 1986. Castillo is perhaps best known to Tigers fans as the player who had the game-winning RBI ground out in the clinching Game 3 1-0 victory of the 1984 American League Championship Series against the Royals. He also caught the final out in that game.
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