text:
Mérito de Estudios a la UnidadUnidad 1: Introducción al Sistema SAP
17 de Enero de 2015
Puente Hnos S.A. (2014 - Present)
Freelance IT Consultant – Wealth Management/Private Banking Aug 2014 - Present
· Analyze old functionalities, implement and give advice on new improvements to be implemented for a local online stock market trading web based platform, developed by Puente.
· Advice individual investors on how to use the new improvements on the online platform in order to maximize returns.
· Advice IT Department on new functionalities to be implemented in CRM software in order to fine-tune client services (i.e.: Improve data-collection, portfolio management and client feedback).
Enratio S.A. (2005 – 2014)
Peoplesoft Consultant
AFA S.C.L - Argentina (Agriculture PS FSCM 9.0) Nov2013 – Jul 2014
· Functional consultant in the implementation of the AM module.
· Created and Succesfully implemented data conversion plan.
· Performed FIT/GAP analysis.
· Security Set Up and Structure design implementation.
· Prepared design and configuration documents
· Planned system quality assurance and user acceptance testing
· Post Go-Live Production Support for AM.
Ciudad de Buenos Aires Bank - Argentina (Bank and Finance PSFSCM 9.0) July 2012 - Nov2013
· Lead functional consultant in the implementation of the AM module for newly created BU.
· AM Module post production support for end users.
· AP Module post production support for end users.
Hays Plc – UK, Remote (Global Recruiting PSFSCM 9.1) Feb 2012 – July 2012
· AP Module post production support for end users
Anticipa S.A., Chile, Remote (Business Solutions – PS FSCM 9.0) Sept 2009 – Jan 2011
· AR Module post production support for end users
HTS S.A, Santiago de Chile, On Site (HealthCare - PS FSCM 8.4) Mar 2009 – Jul - 2009
· Functional support in the implementation of the AP and GL module for newly created BU
· Performed FIT/GAP Analysis
· Succesfully develop nVision reports.
· Designed Interfaces.
Macro-Bansud Bank, Argentina (Bank and Finance - PeopleSoft FSCM 7.5) - Feb-2009 – Feb-2009
· AM Data Extraction and Migration Plan (Analysis, Functional Support on Design of SQR Extraction/Migration Program, Field Mapping).
CCU S.A, Remote (Beverage Company - PS FSCM 8.4) - Jul-2008 – Feb-2009
· Functional support on new customizations (PO, AP, IN and eProcurement Modules), Design and Development of end user guides for CCU Chile S.A. using User Productivity Kit (UPK) Tool.
Belize Telemedia Limited, Belize, On Site (Telco - PS FSCM 8.9) Mar-2007 – May-2008
· Lead Functional Consultant for Project Costing and Asset Management Modules Implementation.
· Completed a successful deployment of PS 8.9
· Created and Successfully Implemented data conversion plan
· Allocations
· Post Go-Live Production Support for AM, PC, GL and AP modules.
Provade Inc., Remote (Consulting Services – PS FSCM 8.9) - July-2006 – Dec-2006
· Support on FIT/GAP analysis for Spro.
· VAT Setup
· Performing training material and user guide for final users.
Doe Run S.R.L., Lima, On Site (Mining Company - PS FSCM 8.9) - Nov-2005 – April-2006
· Implementation Team Member as shadow for Functional Leader (AR, AP, PO).
· Completed a successful deployment of PS 8.8
· Planned system quality assurance and UAT.
· Develop and test nVision reports.
PeopleSoft Inc., Remote (Software Development Company - PS FSCM 9.0) - Jul-2005 – Nov-2005
· Quality Assurance for PeopleSoft Release AR FSCM 8.9 (Using ICE – QA Tool)
Ciudad de Buenos Aires Bank, Argentina (Bank and Finance - PS FSCM 8.0) - Apr-2005 – Jun-2005
· Functional Support of PS Financials v8.0 (Arg. Localization) for AP, PO, GL and AM applications.
SAT, Mexico, Remote (Public Sector - PS CRM/ERM 8.9) – Feb -2005 – Mar-2005
· Implementation Team Support SAT CRM/ERM 8.9. México.
· FIT/GAP Analysis and Documents.


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Beloved tree removed despite efforts
ARKWRIGHT – A beloved tree is no longer standing on Route 83 in the town of Arkwright. The New York State Department of Transportation cut down an 80-foot cottonwood tree Thursday morning.
The tree was located on family-owned property by Gina Vecchio. She said the state DOT did not give any notice the tree would be cut down Thursday. The tree was marked as a safety hazard by DOT during a survey.
"They were getting ready to do a paving project. They did a safety survey and since the tree was so close to the road, they deemed it a safety hazard. Unfortunately once something is deemed a safety hazard, it has got to be removed. It's just a liability issue," Director of Communications for DOT Beau Duffy said.
Vecchio had previously told the OBSERVER she reached out to the New York State Department of Environmental Conservation to see if the tree would be eligible for the DEC's Big Tree Register in an effort to save the tree from being cut down.
"(The DOT) didn't wait for the DEC paperwork to be done. They didn't even put up guard rails around the ditch," she said.
Vecchio did compliment the contractor who cut down the tree for being professional and nice. She said he was unaware of the tree being in the litigation process and normally would not cut down a tree in that situation.
"The contractors who came were very kind. They didn't even know it was considered for protection. He felt bad," said Vecchio. "They did a good job. They didn't leave a mess at all."
While the tree is now removed and is no longer a safety hazard by DOT standards, Vecchio believes the bottom of her driveway is now more dangerous. She said the DOT did not replace her mailbox in its correct spot, did not put up a guardrail or repair her driveway.
"I did talk to the post office today. (The carrier) happened to drive by to check it out. He said 'That's not where the box is supposed to be.' It's dangerous now more than it was before because the tree has always protected the mailman and people from sliding into the ditch, especially us. I'm going to have to get some reflectors up there because you can't tell at night now where the ditch is. There still is a lot that needs to be done that they left undone," Vecchio said.
Vecchio said she did call the DOT and requested these items be addressed. Their response was the DOT does not take phone requests, according to Vecchio, but they did eventually accept her request. Vecchio was most concerned about the guardrail not being put in place.
"Without that guardrail someone could easily slide right into (the ditch) coming up the hill if they lose control. Before if the snow was mounded up around the tree, they would literally bounce off that tree," she said.
The property has been in Vecchio's family since 1922 and the tree was almost 100 years old. The tree was special to Vecchio's parents especially her mother, who passed away earlier this year, who was caused distress when the DOT tried to remove it several years ago. Vecchio said to honor her parents, she plants to plant another tree on the property "somewhere up on a hill where it can be seen by the kids' for generations to come."
"I'm going to do a red oak and put it up on the hill in my parent's favorite spot. We're going to have a gathering and plant it in their honor and in honor of the native people who traveled across this property," Vecchio said?
The property is part of the Arkwright trail which the Native Americans took in their travels in the 1700s on their way to Sinclairville. Vecchio also wanted to thank the community for their support over the past few weeks.
"Thank you to the community for being so understanding and being supportive," she said.
Comments on this article may be sent to firstname.lastname@example.com

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text:
Stoneleigh Park in Warwickshire, UK, isn't the typical place you'd look when hunting speed. The huge 1,000-acre site is a hub of agricultural research and rural industry, so for most of the year you're more likely to be greeted by tractors, cattle and farmers than race cars. However, for one weekend in February the historic racing calendar splutters to life as Race Retro, Europe's premier winter classic motorsport show, rolls into town.
Spread over several halls, Race Retro offers something for anyone with a modicum of interest in racing. From old F1 cars to American muscle racers. If it ticks both boxes – race and retro– it's eligible.
It's the perfect chance to spend a chilled-out weekend leisurely checking out some cool old race cars, chatting to their owners, taking in new products to hit the market and meeting builders and tuners to find out what they've got to offer.
It's also a very good place to spend some of your hard-earned. You can pick up a spot of automotive art for the man-cave, peruse for deals on the last few essential parts for your retro build, or bargain with the venders in the vast auto-jumble that forms part of the show. Maybe I should've left my wallet in the car?
For the first time ever, Race Retro aligned with an empty weekend for me, so I thought it rude not to pop along and see what the fuss was all about. Walking the halls in the morning gave me a taste for the retro racing vibe, and while I enjoyed taking in the fantastic cars and products on display, I was longing to see some of these machines used in anger. As it turns out, I wouldn't have to look far.
Step into the temporary cattle shed parc ferme and Race Retro comes to life. Outside, in the crisp February air, a small paddock is filled with classic rally machines. Some sit peacefully awaiting the turn of a key, while others splutter to life and rumble gently as they reach optimum temperature.
They're warming up for a very good reason – for a couple of hours at a time at various points over the weekend, these rally legends take to the grounds of Stoneleigh Park to entertain the crowds. This would have been the perfect time to explore the halls, free from the hustle and bustle as more and more people pour outside, however I was too entranced by the machinery around me. As the stage is prepared, a cacophony of different sounds fight for your attention. My mildly educated ear picked out V8s, rotaries, flat-fours and the unmistakable whistles, whines and crackles of forced induction engines.
Donning my photographers' armour (the high-vis vest) and entering the stage for the first demonstration of the weekend, I hunkered down behind the nearest tree (it's really the best way to avoid being skittled by a wayward rally car) just in time to see the first few contenders tentatively take to the course. I soon learned that their cautious approach wouldn't last very long at all.
Rather than a full-on competitive event, the Race Retro live rally stage is more akin to a moving motor museum. It's a chance to get up close and personal with the sorts of cars that you might have previously only seen pictures of in books or on the Internet, or watched in grainy old footage on YouTube.
What's better than discovering these cars lovingly tucked away and preserved in a museum somewhere? Well, seeing and hearing them fly past you at full chat, popping, banging, sliding and slinging mud as they go, of course.
There was a huge variety of machinery on demonstration this year, with every era well represented. From the tiny MGs and Minis of the '60s…
Through to the golden age of rallying for many – the '80s – and the Group B beasts that perfectly sum up an era where living dangerously, excess and indulgence reigned supreme.
There were even a couple of notable entries from the '90s and '00s, a time when two manufacturers, or more specifically two models, dominated the world of rallying.
Most of the more modern machines doing laps were of the small front-wheel drive hatchback variety. Granted they don't provide quite the same entertainment factor as the fire-breathing five-cylinder '80s Quattros, but they looked to be fantastic fun as they were chucked into the bends, fighting off chronic understeer as they hit the muddy corners.
You don't see many wide-arched Nissan Micras down the local supermarket, so I was looking forward to seeing this unsuspected hatchback used in anger. Sadly it didn't last long past its first lap. The key with engines is to keep all of the smoke inside them; once the smoke escapes, they stop working, or so I'm told.Monsters Lurk In The Park
What I loved most about the variety of cars whizzing down the tree-lined avenues was that while things appeared to begin with some kind of regimented order, before long there were all manner of unusual and unexpected games of cat and mouse going on, such as this Triumph TR7 eagerly chasing down a Mk1 Ford Escort Mexico.
Or a lesser spotted wide-arched Vauxhall Chevette being pursued by a Peugeot 205 GTI. There was no clock, no-one keeping count or record of lap times, but put two drivers on a stage in close proximity in these capable machines and of course they're going to engage in a spot of friendly competition. You would, wouldn't you?
With most of the course barely being wide enough for one car let alone two, there were only a few choice places where a slower car could concede position to anyone hogging their rear-view mirror. Luckily, for the photographers, one of them was over a small speed bump, which made for some interesting moments as the cars crashed and bumped into the ground.
Before you ask, yes, that is a Ferrari 308 GTB Group IV rally car, built by Michelotto of Padova, Italy. And no, the driver was not afraid to pedal it properly. Seeing and hearing a high-value classic Ferrari being slid around corners, kicking up mud, V8 roaring, was something I wasn't expecting at all from Race Retro. What an experience!
A couple of 911s showed up to play too. Porsches were popular in rallying at one stage and it's easy to see why – they produce good power and their rear-engine configuration helps massively in gaining traction. Although, this orange 1970 911ST looked to be a bit of a handful when it touched the mud.
A personal highlight was the handful of Group B monsters on stage. These cars represent what '80s rallying was all about. The unmistakable sound of a turbocharged Quattro briefly at full chat meant that I knew they were approaching long before they drifted into sight.
This particular example is an full carbon-Kevlar S1 replica built using many genuine parts. It's running around 420bhp.
Towards the end of the session the driver of this rather special Ford RS200 appeared to be getting braver and braver entering the bends. The unmistakable four-cylinder turbocharged Cosworth roar and unique aesthetics couldn't help but demand your attention.
From my understanding, this particular car was driven by Stig Blomqvist during Group B's penultimate season in 1985 and owned by the very same driver personally following the demise of Group B in 1986. The RS200 is a truly unique car, built specifically for rallying. Its tiny production run and short-lived spell makes seeing one in action all the more sweet.
This Group B Lancia Delta S4 made the briefest of appearances too, and I only managed to catch it on a couple of laps. It definitely has a face only a mother could love, but that classic Martini livery grabs your attention. I wonder if the race car liveries of today will be admired in the same way in many years to come? Somehow, I doubt it.A Mud-Slinging Contest
Not all of the cars taking part in the live rally stage were genuine items, and, refreshingly, Race Retro puts aside snobbery with regards to whether the cars taking part were the real deal, or, as many were, replicas. While I truly appreciate seeing a rare genuine classic being used as was intended, I get just as much enjoyment from seeing homebuilt hero replicas flying by.
They often get shunned at many classic shows, but I find the replicas intriguing. The best part about building and racing a replica surely has to be the freedom that you're offered when it comes to choosing parts and making the car the best it can be? This is the perfect example – what looks like a Peugeot 205 T16 is actually a Group A Mitsubishi Evo VI underneath with a 205 T16-style body skilfully grafted on. Always expect the unexpected.
It's worth pointing out that many of the drivers piloting the cars on stage aren't professionals either. Often they'll be owners, builders, collectors, or simply enthusiasts who enjoy taking part in demonstrations and historic rallies. There were a few exceptions – a handful of both upcoming and well-established drivers were on hand to show everyone how it's really done.
What started out as a rather civilised, but moderately spirited demonstration of cars turning sensibly, accelerating hard before braking and turning sensibly again, soon descended into a mud-flinging spectacle.
Corners that were once 90-degree bends had been gradually rounded off during the session. Inside boundaries were cut and outsides extended out by spinning tyres. Clean, pristine tarmac went from being briefly tyremark-scorched to completely covered in mud and upturned turf. I'm imagining Stoneleigh Park's groundskeeper is sent away on a nice vacation while Race Retro is on so they don't bear witness to the carnage being unleashed.
The one or two wider tarmac bends were taken full advantage of, that bit of extra space allowing for some impressive controlled slides at speed. Brave moves considering the confined boundaries, lack of run-off and scattering of trees surrounding the stage.
The driver of this Cox GTM had to be commended – the little British-built kit car is based on a Mini and, thanks to its short wheelbase, appeared quite skittish. However, it was being flung across the mud with great vigour, much to the approval of the audience.
A tactical approach was required when deciding where to stand, so as not to receive a lens-full of earth. After a few laps you soon identified the drivers that were aiming to cake you in mud against those taking it a bit easier. As a rule of thumb, any rear-wheel Escort always arrived and departed sideways.
Memory cards brimming with images, I shook the mud from my ears and camera and called it a day just as the stage was coming to a close, ready to head back inside and enjoy the rest of the show. It may have just been a demonstration event, but it's given me a taster of historic rallying and now I need more.
If you get the chance I strongly recommended getting yourself to a historic rally at some point. From the approachable nature of the drivers to the unique machines and engineering on offer, there are far worse ways to spend a weekend. I can only imagine what it must be like seeing these legendary machines let loose on a competitive stage.
Jordan Butters
Instagram: jordanbutters
Fantastic write up Jordan in fact probably the best I've ever read on the Race Retro Rally stage demonstration in the all time we've been running it, so well done, however it's a pity that the organisation that makes this all happen "Rallying with Group B" or the marshalling team from Falcon motor club get forgotten from the report. However we are glad you enjoyed the show & look forward to a mention next year?😉
Tim Foster
Rallying with Group B
Kevin Jones from GTO engineering in the Ferrari. Was also driving his ex works Renault 5 turbo that day to.
Man can pedal!!!!
Poor micra k11 kit car... 170hp from a 1.3 N/A engine are a serious business. She is one of Three rally cars built by nissan motorsport europe Back in The Days. Another one is still used properly in greece by George Basdelis. Fun fact: micra kit rally car is wider than an Almera Maxi rally car that is a N/a 290bhp monster. I own both a micra k11 and an almera n15 gti
That Evo 6 with Petronas livery , is that Proton PERT ?
Absolutely love the images in this post. Awesome.
@Jordan_Butters That Orange 1970 911ST is originally from Perth, Western Australia. Note the number plate [XBC 121] has written above it, "W A". These number plates were originally issued in the 1960's & 1970's. I know because my dad owns a 1970 Holden Monaro with the original number plates still on it! Nevertheless, interesting to see someone imported their 911 to the UK from Western Australia!
@Syfon That's pretty cool – I don't think you can go much further to import a car anywhere in the world.
Very cool. That Ferrari looks beastly!! That Peugoet/Evo thing is pretty dope looking too...is it on TE37s??
Looked like rota's up close. Defo wasn't TE's as I checked.
@Speedhunters ferrari rally car!? im done...
@ThatsSoAnimated @Speedhunters How about 2 then, Brands Hatch Winter stages 2016.
@Speedhunters such a good article, saved so many photos to my phone lol
Holy crap! So much cool in one post! That 308 though...
Who's driving the Alto..?
It was me :D
So good to see rally cars of yesteryear! I can't get over how good the Delta S4 looks and performs 😍 get a weird feeling when I see old school rally fords and evos - must be what happens when you get the Ford bug!
Great pics, that Ferrari's my new desktop wallpaper. Feel I'm missing out on the noise though!
Is there a chance of a feature on that Evo GTi mashup?
@taids Thanks! I'm trying to hunt down the owner for just that!
@Jordan_Butters @taids Get in touch with the PSCUK (Peugeot Sport Club UK) owners club. I believe they have the owners details. Saw it in the flesh at Pugfest last year and watched it go up Prescott Hill. Truly insane vehicle!!
Feature the micra also!
@Jordan_Butters @taids Terry Pankhurst of Dimma fame. Easily found on Facebook. French car magazine ran a feature on it in the Summer.


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Live in Studio 4A
Our showcase for artists invited to perform on the program and talk about their music
The PT 50
Our list of 50 essential classical CDs
Piano Puzzlers
Bruce Adolphe's "name that composer" piano quiz
Live in Studio 4A: Catrin Finch
Listen to the feature (19:22)
Photo Gallery: Catrin Finch
Nov. 28, 2003 -- At the age of five, Catrin Finch heard the Spanish harpist Marisa Robles in recital, and knew immediately that she wanted to play the harp, the national instrument of her native Wales. Born in 1980 in the small town of Llanon, Finch began harp lessons with Elinor Bennett at age eight, and for eight years made the four-hour round-trip for two-hour lessons every other week. At age 16, she moved to London to study at the Purcell School, then eventually at the Royal Academy of Music.
In 2000, Finch was appointed Royal Harpist to HRH The Prince of Wales, who revived the age-old tradition that had ceased in 1870, under the reign of Queen Victoria. As Royal Harpist, Finch must play for the Prince of Wales about four or five times a year at various functions. In an interview with PT host Fred Child, Finch reveals, "The whole idea is that it does give the chance for a young Welsh harpist." Though the appointment was to last only two years, she was reappointed last year for another two.
With her latest CD, Crossing the Stone, her debut on the Sony Classical label, Finch attemps to bring the harp into the 21st century. She claims, "The harp has kind of been stuck in time a little bit. It's had it's problems becoming a solo instrument, you know. It's still only really just being accepted as a solo instrument, and capable of doing all these things, playing all genres of music. For me, we did the CD to show really that the harp is capable of everything and anything." Crossing the Stone, a collaboration with Karl Jenkins, Finch's fellow Welshman and composer of Adiemus fame, presents some familiar tunes in new ways, crossing classical, jazz and rock elements.
Finch asserts, "It's about time [the harp is] moving on from the heavenly kind of thing its got about it... Modern harps are such strong instruments, so robust [and] people are writing accordingly for them these days."
In Depth
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Free image editor very similar to Photoshop
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When it comes to photo editing, the undisputed king is Photoshop. But if you're looking for a cheaper alternative that can give you the same – or at least similar – functionality then Active Pixels is an excellent choice.
This photo editor resembles Photoshop in many aspects, from the way menus and windows are laid out on its interface to the keyboard shortcuts used for many actions. It also includes similar tools, like the magic wand, the gradient, the polygonal lasso and others. What's more, it supports working with layers. Active Pixels also includes some extra embedded apps, such as a red-eye fixer, a picture browser and a screen capture tool - although it only grabs full-screen images.
That said, bear in mind that this free photo editor is not as powerful as Adobe's big shot. Despite the large number of filters and effects included, some of them lack proper configuration settings. I specially disliked the way sliders are designed: they're very uncomfortable to use.
In any case, Active Pixels is an excellent photo editor that can be very useful for those cases in which you don't have Photoshop at hand or you just prefer to use a lighter app to perform the same tasks.
A great photo editor with which you can edit and optimize images, all for free.
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>Runner's World - My Event Ratings>
In short: Poorly organised race thank goodness it's the last one ! In full: The course was very poorly marked again and this resulted in 99% of the runners getting lost. Very bad health and safety briefing at the start and no mention whatsoever of what to look out for on the course in terms of course marking. The fact that there was no mention to be aware of mountain bikers, motorbikes of the course, quad bikes and even 4 x 4 vehicles made a total mockery of the whole race from a health and safety perspective. The overall race was very poorly managed just like the Picnic marathon too, in which numerous runners also got lost. I will not be doing anymore of Rob's races again, really hopeless all round and very expensive to, just a waste of time. Date of review: October 10, 2016
In short: This is a tough race, but if you're looking for a well organised race with spectacular scenery then his is the one to do ! In full: I've run this race on a few occasions and it lives up to the reputation of being UK's tougest marathon, that said it's a cracking race and well organised from start to finish. The national anthem sing along at the start is great and the medal is superb and was teh long-sleeved wicking technical top and Picnic pint glass. I will be back for more ! Date of review: June 23, 2014
In short: Great race but not for the faint heared, some tough climbs and technical terrain to navigate but the race was well managed throughout and in terms of friendliness it's right up there thanks Dr Rob for another great race ! Date of review: October 14, 2013
In full: This race was a not well organized at all. The registration was fine but from then on it all went downhill very rapidly. I was running this to break my course PB of 3.01 (4th place last year) and went through halfway in 1.27. However at the 19 mile turning point there were 4 runners grouped together including me in joint 2nd place, there was no marshall at the turnaround point resulting in us all going wrong and doing an extra 2.8 miles. Finishing the course with 29 miles on my Garmin in 3.17 was soul destroying. I cannot understand that the Race Director didn't have the savvy to ensure that the turnaround point was properly manned and considering that this race has been organized since 1988 this was a real "co_ k up". This was the Kent Championships and a number of top runners had trained very hard for this, so to go off course due to lack of RD understanding seems farcical. I for one will not be doing this race again and I hope that they get their act together for 2014. The Aid Stations only had water no fruit juice or bananas/ jelly babies / any food bar a sporadic Gel or so which to me is unacceptable. As I too am a Race Director I understand the trials of race organizing but this was in short a farce. The lack of changing facilities at the end of the race was also a bone of contention, and definitely something they should consider for runner needs in future years. Date of review: September 1, 2013
In short: Fantastic Race ,loved the route and the organisation was 1st class, fabulous overall. In full: This is definately a race worth doing, it's a challenging course but you get to run amidst osome lovely scenery and will get rewarded with a nice Medal & Tech T-Shirt afterwards and in additional a lovely Hog Roast & Glass of Wine or Beer - yummy !! Date of review: September 18, 2012
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As a kindergarten and special needs teacher (and a mom to 5 little ones!), I have helped a lot of children learn how to hold a scissors correctly. It can be really difficult to teach a child how to hold a scissors correctly but I figured out a fun and easy method that children love. It is really important to teach correct scissors correctly because you want the child to feel comfortable while cutting and secondly, if the child holds the scissors correctly it makes using the scissors and cutting well so much easier!
How to Teach a Child to Hold a Scissors Correctly
To teach the correct way to hold a scissors, you can have the child pretend his/her dominant (writing/cutting) hand is a shark. Show the child how the dorsal fin of the shark (your thumb) is pointed upward and swimming around… Fins up and swimming! Now that the fins are up/the thumb is pointing upward, you are ready for the friendly shark! Do you want to know the shark trick for how to teach a child to hold a scissors correctly? Click the yellow arrow below!


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You limited your search to:
Partner: UNT Libraries Rare Book and Texana Collections
Year: 1918
Collection: World War Poster Collection
- Beat back the Hun with Liberty Bonds
- Poster depicts a German solider with blood-stained fingers and bayonet. digital.library.unt.edu/ark:/67531/metadc29415/
- Help our town win this flag, 4th Liberty Loan honor roll of subscribers
- Poster showing flag of four vertical blue stripes on a white ground with a wide red border, with spaces below numbered 1 to 100 to record names of bond purchasers. digital.library.unt.edu/ark:/67531/metadc29410/
- Keep him free, buy war savings stamps issued by the United States Treasury Dept.
- American eagle with war planes taking off from its nest. digital.library.unt.edu/ark:/67531/metadc29419/
- Wear your honor button, 4th Liberty Loan bonds
- Poster showing the 4th Liberty Loan button, featuring the red bordered flag with four vertical blue stripes. digital.library.unt.edu/ark:/67531/metadc29411/
- YMCA United War Work Campaign, November 11-18, 1918
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32 posts tagged with yellowstone.
Displaying 1 through 32 of 32. Subscribe:
Yellowstone transit from BZN
Yellowstone: any affordable direct daytrip (from BZN airport area) that's not a "bus tour"? [more inside]
Roadtrip help - Seattle to Houston in three weeks
I am planning a roadtrip with my husband, brother-in-law, BL's wife and 6 year old daughter. Basically, what I am trying to suss out is: are we being too ambitious with our itinerary? [more inside]
Looking for interesting/fun cities & destinations for our Nat park trip
Thanks to all the help I got on this question I've decided on a two week trip from Las Vegas to Glacier National park. Our destinations are various parks in Utah, Yellowstone/Tetons and Glacier NP. Our focus is nature and history. I haven't mapped out our route and would like help with 1) must see things and 2) one or two cities/town that are interesting and fun. Traveling -> one 9 year old boy and 4 adults.
Suggestions for a June visit to Yellowstone
Can you recommend hikes in the Yellowstone area in June? [more inside]
Help me plan a 2 family trip to Yellowstone? Or maybe not Yellowstone?
I would love to get some targeted advice on how to optimize this trip I'm trying to plan. Here are the parameters: East Coast Family (ECF) and West Coast Family (WCF) each consist of a couple plus two little girls. ECF has an additional toddler too, and probably an au pair. ECF and WCF would like to rent a house together somewhere that is lovely and relaxing, and adjacent to interesting nearby outdoor activities. [more inside]
Yellowstone in July -- A Bad Idea?
We have an opportunity to visit Yellowstone National Park and/or environs, and Mt Rushmore, etc. BUT, the window is limited to the first 2 weeks of July. Is that a horrible time to visit, given that I hate crowds and 85+ degree temps without relief (breaks in air conditioned spaces)? In terms of potential crowds of people, are there places nearby YNP that are less crowded and just as interesting/beautiful to visit? (We'd be driving between Colorado and Minnesota.)
Yellowstone in April - what's open?
Considering a trip to Yellowstone starting on April 17th, but the information on the site is sparse about what's really available. Any MeFis with experience here? [more inside]
yellowstone grand teton experts wanted
we are two couples going to camp in yellowstone \ grand tetons july 5-12. i know, i know, there's quite alot of information on both of these places but some of it is conflicting and some details are missing.. my obsessive questions in the extended explanation - hopefully y'all can provide some great answers that can be useful to others in the future. thanks.. [more inside]
Yellowstone suggestions
Yellowstone lodging and other Yellowstone-related suggestions [more inside]
Lodging near Yellowstone National Park
We going to be visiting Yellowstone sometime in the next two weeks (our dates are flexible). Lodging inside the park is sold out. Can anyone recommend some good places to stay near the park? We'd like to spend less than $200/night but we might be willing to pay more for a great place or location. We also want to stay at a good dude ranch near Yellowstone or Grand Teton NP for a few days.
Denver to Yellowstone in a rented RV
My wife and I want to visit Yellowstone National Park in September. We have two weeks and we're thinking about flying into Denver and renting an RV, which we've never done before. We'd like to get input from others who have rented one (like what size and what companies to use or avoid) and hear any other suggestions that will help us have a great vacation.
Make me a super-photographer
Please suggest a Canon lens for a trip to Yellowstone. Long story. [more inside]
SEA -> JAC by Air and Land
What's the most scenic way to make a combined flight / drive to Jackson, Wyoming from Seattle? [more inside]
Suggestions for a winter road trip from MN to OR with little prep!
Driving from Minneapolis, MN to Portland, OR at the end of the week. Looking for suggestions on what to do along the way. Bonus: Yellowstone for a day? [more inside]
Please help a family of four with an outdoorsy but non-camping trip to the Grand Tetons and Salt Lake City!
Our family of four (Mom, Dad, 2 boys ages 8 & 12) wants to enjoy Yellowstone Park, the Grand Tetons, and possibly shoot down to the Salt Lake City area for about a week in late July 2012. We love the outdoors, but can't bring camping gear. Will we be able to find spontaneous lodging in cheap hotels or cabins for under $100 per night - or do we need to book everything waaay in advance? [more inside]
Visiting Yogi Bear in August
Is going to a national park in late August a bad idea? [more inside]
"The world is full of bastards, the number increasing rapidly the further one gets from..."
Road trip questions! A friend and I are taking a road trip between the 17th and 25th of September from Minnesota to Portland, OR. Neither of us have much experience with the first half of the trip and would love some suggestions on hikes and other things not to miss in theBlack Hills, Grand Teton National Park, Yellowstone and Missoula. [more inside]
Get me to the pic-a-nic on time
Help me get to Yellowstone without a meltdown, on a budget, and with little time to spare. I'm special, of course, as I explain in great detail inside. [more inside]
Camping and hiking in Yellowstone
I'd like to take hiking trip with a friend in the American West this summer and I have overlapping questions on how to get the most out of the trip. I am at the early stages of planning so tips on general resources are as welcome as specific answers. [more inside]
Help Me Plan My Yellowstone Trip!
I'm a few weeks from a big solo road trip to Yellowstone and Grand Tetons. I would love some answers from MeFites on a few questions related to routes, destinations, food, camping alone, bears, etc.! [more inside]
Seeing Yellowstone from a ditch? Do I need AWD?
Driving from Salt Lake City to Yellowstone to Bryce Canyon during Christmas week. Everything's planned, except for the car... Am I screwed? Rental car options, and do I need AWD and/or chains? [more inside]
Rocky Road Trip Advice
I need some help planning and plotting and figuring what happens between Denver and Portland. I think it might include The Tetons, Yellowstone, Glacier, Banff, Seattle and Vancouver, but I'm worried I'm trying to cram too much. [more inside]
Gift certificates/restaurant recommendations in Wyoming
Wyoming Filter: My father is headed to Yellowstone Nat'l Park and Jackson Hole in a few weeks. I want to get him a gift certificate to a restaurant he can use in Yellowstone or Jackson Hole. [more inside]
Road trip from Kansas to Seattle
Road trip Kansas -> Seattle (June 21'st - 30'th). We need recommendation and advice with accommodation, attractions, any things else. [more inside]
Great backcountry spots in Yellowstone?
Please recommend some early-summer, moderate back-country trips in Yellowstone. [more inside]
October Yellowstone Vacation
My wife and I would like to travel to Yellowstone/Grand Tetons for first week and half in October - we'd like MeFi's recommendations for cheap and excellent lodging, must-see sights and things to do - please help? We'd love to find somewhere with a kitchenette.
What should I photograph in Yellowstone?
In a few weeks, I'll have the chance to be just south of Yellowstone National Park, and I'd like to make the most of it from a photographic standpoint. [more inside]
What I'll Do on my Summer Vacation
Help me plan my Wild West Vacation this summer - flying to Las Vegas, then driving to Yellowstone, then ? [more inside]
Back Country Camping in or around Yellowstone
We (my kids and I) are staying with friends just outside Yellowstone this summer, and I am planning on doing a one to two night back-packing jaunt with the teenagers. Any recomendations on back country camp sites? [more inside]
Starkville, MS to Yellowstone.
I'm planning a road trip to Yellowstone NP from Starkville, MS. Tips, suggestions of roads to take and places to stop, stay, eat, and see (we're tent camping, and we're talking spring break one year from now), we'll be in my 2006 Sentra. [more inside]
yellowstone acommodations
yellowstone accomodations - any suggestions for an especially cool, rustic, funky, fun, offbeat, and or vintage accomodations in or around yellowstone national park- thinking small old funky lodge type place? [more inside]
Could a nuke make Yellowstone Caldera erupt?
Could a small nuclear device, sunk to the bottom of Yellowstone lake and detonated, actually cause the Yellowstone super-caldera to erupt? (more inside)
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7 posts tagged with electronic and synthesizer.
Displaying 1 through 7 of 7. Subscribe:
Rainy 4th World Ambient and Blaring Iridescent Pop
Two unique, evocative Japanese mixtapes to assure you that spring is really here at last: Spencer Doran's Fairlights, Mallets and Bamboo and Ventla's Astrocast 45. [more inside]
808 State is an English electronic group that formed in 1987, and take their name from the Roland TR-808 drum machine and their shared state of mind. As a trio, they produced their iconic track, Pacific, which fused influences of house music, jazz fusion and exotica. The group changed membership a bit over the years, but one way or another 808 State have released six albums* to date, and a number of singles, EPs, and promotional discs. 808state.com has a ton of information, including an extensive visual discography, a list of other productions and remixes, and over a gig of demos, live tracks, and other non-album audio to download. Given the group's 27 year-long history, there's a lot more to see and hear. [more inside]
A simple, concise and informative primer:
Wendy Carlos' "Beauty in the Beast"
Wendy Carlos is best known for Switched-On Bach, the best-selling album that popularized the Moog synthesizer, and the soundtracks for A Clockwork Orange and Tron. But what she calls her "most important album" is the 1986 recording Beauty in the Beast, whose experiments with instrumentation, tonality, and scaling are described in these two PDF reproductions of contemporary articles from Keyboard magazine. [more inside]
Women in Electronic Music
"Daphne Oram was the first woman to direct an electronic music studio, the first woman to set up a personal studio and the first woman to design and construct an electronic musical instrument." [previously: 1, 2, 3] [more inside]
"Another Green World" - Brian Eno BBC documentary
Earlier this year, the BBC's Arena produced and aired an excellent documentary on Brian Eno entitled "Another Green World" containing "a series of conversations on science, art, systems analysis, producing and cybernetics". [more inside]
The Tone Generation, A Radio History of Electronic Music
The Tone Generation is a radio series by Ian Helliwell 'looking at different themes or composers in the era of analogue tape and early synthesizer technology'. The original globe-trotting series: Great Britain, France, Germany, Italy, Holland, Scandinavia, Eastern Europe, USA, Canada, Rest of World. Bonus programmes: Expo 58, The RCA Synthesizer. All links are to MP3 files, except the first one. Alternatively, you can slurp down the lot in one go by subscribing to the podcast feed.
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Group Since May 31, 2011
This group pool is for members only.
This group discussion is for members only.
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Darin William Keranen
HOWELL, Mich. – Darin William Keranen, 22, lifelong resident of the Howell area, passed away unexpectedly while vacationing with his family in Tennessee on Saturday, April 6, 2013.
He was born in Hancock on June 19, 1990, the son of Michael and Heidi (Niemi) Keranen.
He is survived by his parents of Howell; siblings, Shannon, Eric, Steven, Jennifer, Jackie, Jill, Nick, Kevin, Kimberly, Carla, Jed and Emily; grandparents, Bill and Anne Niemi and George and Kathy Keranen; as well as numerous aunts, uncles and cousins.
Darin attended Pathway School in Howell.
He was a member of First Apostolic Lutheran Church, 2970 Oak Grove Road, Howell where services will be held at 11:00 a.m. Thursday, April 11. Interment will be in Riddle Cemetery. Visitation will take place in the Church Wednesday from 2 to 7 p.m.
Memorial contributions may be made to Children with Special Needs Fund, P.O. Box 30479, Lansing, MI 48909-7979. Arrangements by MacDonald's Funeral Home, Howell (517-546-2800).
Please sign the family's online guestbook at macdonaldsfuneralhome.com.


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Your child develops their ability to use trial and error and their understanding of mechanics to test predictions about their egg launcher.
Your child develops basic addition skills by aiming a cannon towards the correct sum. Requires some trial-and-error to get the angle and power correct.
Zoodles 11.5.8 Copyright (c) 2014 Inquisitive Minds, Inc. All rights reserved.


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Federal grand jury indictment charging a MD couple with forced labor conspiracy and harboring a domestic worker for financial gain. The indictment alleges the defendants procured a fraudulent B-1 visa to bring the victim to the U.S. to work as their domestic servant. (U.S. v. Edwards, 6/6/11)
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text:
Secretary of Labor Thomas E. Perez
Remarks by
U.S. Secretary of Labor Tom Perez
Brookings Institution, The Hamilton Project,
Forum on Promoting Financial Well-Being in Retirement,
Washington, DC,
June 23, 2015
[as prepared for delivery]
Good afternoon. Secretary Rubin, thank you for that kind introduction, for the invitation to join you today, and most importantly for your service over so many years. It's a privilege to be back at Brookings and specifically to speak to a forum of the Hamilton Project, which has done so much in less than a decade's time to contribute to so many of our most important public policy debates.
And I can't think of any more important than retirement security. The Labor Department is best known for its advocacy on behalf of workers, of course, but we're just as vigilant and aggressive when it comes to fighting for the interests of those whose working days are behind them. It's right there in our mission statement: "To foster, promote, and develop the welfare of the wage earners, job seekers, and retirees of the United States."
Shifting Landscape
The retirement landscape has shifted dramatically in recent years, adding complexity and uncertainty to what used to be a very straightforward system.
This isn't your father's or mother's retirement. It used to be you worked for the same company for decades and then you'd retire with a handshake, a nice party, maybe a gold watch and, most importantly, a pension that you couldn't outlive. You got a check every month in the mail back then, there were pieces of paper called "checks" and they came in something called "the mail" and you didn't have to give it much thought frankly. Many times it continued paying your spouse after your death.
Times have changed dramatically. The Ozzie and Harriet world of defined benefit plans has been replaced by the Modern Family era of IRAs and 401ks. If you ask a millennial if she has a defined benefit pension... well, you might as well have asked her if she owns a typewriter. We've gone from 78 percent of workers with defined benefit pension plans in 1975 to only 33 percent in 2012.
401ks and IRAs vulnerable to market volatility and which make workers responsible, throughout their careers, for managing their own assets and making decisions that will impact their financial security for the rest of their lives.
So when the nation experienced a Great Recession and a meltdown of the financial markets... a lot of people's 401(k)'s became 201(k)'s. So many others, who found themselves out of work for six months or longer, were forced to deplete their retirement savings accounts paying steep fees and penalties in the process just to keep a roof over their family's head.
It's clear that even though we live in a defined contribution world, all too frequently, we're clinging to a defined benefit mentality. Our habits and our outlook haven't caught up to the reality Americans there are still behaving as if that check will automatically come in the mail when they're 65.
3-Legged Stool: First, Social Security
President Obama understands this problem, and across the administration we're all committed to working together to promote financial well-being in retirement.
The President has spoken often of retirement as a three-legged stool. The first leg is Social Security, and the president's belief in and support for this time-honored program is unflinching. We could focus the entire speech on Social Security, but in the interest of time, we won't.
The financial health of both Social Security and Medicare cannot be separated from the strength of our labor markets. In this way, the best thing for these programs is a growing economy that continues to create more jobs. During the recession, the trust funds suffered because fewer people were paying into the system. Today, a resurgent economy generating 12.6 million new jobs over the last 63 months has put the programs on sounder footing. Just about everything I do as Labor Secretary improving job training programs so people can advance their careers; fighting for higher pay by advocating for a minimum wage increase; advancing the economic interests of women by working to close the pay and participation gaps all of these have the benefit of funneling more money into the Social Security system.
Social Security will be further bolstered if, at long last, we pass comprehensive immigration reform. Moving people out of the shadow economy and onto the books will extend the solvency of the Social Security Trust Fund by two years and reduce the 75-year shortfall by nearly half a trillion dollars.
So a strong economy in which everyone is participating naturally benefits Social Security. This is just another way in which, as the president often says, America is strongest when we field a full team.
Strengthening the Stool: Federal and State Efforts
The second and third legs of the stool, which need fortification, are personal savings and employment-based savings. We need to tighten the bolts on both of them, and both the federal government and state governments and the private sector can play a critical role. There's no magic bullet to fortify these legs.
At the federal level, the President took an important step forward with the establishment in 2014 of the MyRA program to help the 60 percent of people who have no job-based retirement savings vehicle at all. MyRA's are designed by the Treasury Department to help Americans kickstart their savings in a way that's simple, safe and affordable. If you enroll, money is automatically put into your MyRA account, as long as your employer uses payroll direct deposit. It's portable from job to job. The investment is backed by the U.S. Treasury. It costs nothing to open an account. And you can design it to fit your budget, contributing as little as a few dollars a month.
The president wants to go further with this idea. His 2016 budget proposal includes a plan to automatically enroll Americans without workplace retirement plans in an IRA, and he also has proposed tax cuts for small employers who offer the auto-IRA.
As with so many of the issues we work on at the Labor Department, including wage security and paid family leave, leadership at the state level is an important complement to our efforts. The synergy between federal and state initiatives is essential to progress, and retirement security is no different.
Several states are stepping up, playing their traditional roles as laboratories of public policy innovation, launching efforts to encourage state-based options for workers whose employers don't sponsor a retirement plan. California and Illinois in particular have stood out for their leadership, and others are following suit. Oregon has a bill on its way to the Governor's desk.
We've been in communication with a number of those states, learning more about their approach and providing technical assistance. What these states have told us is that they need to find new and creative ways to help their residents save especially people who don't have any other access to a job-based retirement plan. I'm excited about these state-level efforts, and I've met with a lot of the people working on them. We want to help them get to yes. I want to do more to encourage and facilitate them, to remove barriers preventing them from flourishing while preserving critical consumer protections. The action at the state level is one of the most important activities happening in the retirement space.
Financial Literacy and Education
Financial literacy and education are also critical to keeping the stool steady and standing. There has been a joint venture between government, businesses, nonprofits, and faith leaders. We need to help more people understand that the defined benefit pension safety net isn't waiting to catch them, that they need to take ownership of this themselves.
Many people are confused by their options or don't know where to begin, and there is an emerging body of data showing that certain populations are not saving nearly as much as they need to for retirement. Young people, for example, are not the most diligent savers. And there is research that shows alarming racial disparities in retirement account balances as well.
Across all income groups, African-American and Latino families don't have as big a nest egg as their white peers. That gap gets smaller as you move to higher income brackets. But even among people earning $120,000 or more, in 2010 Latinos had 72 cents and African-Americans 71 cents for every dollar saved by white households. We see it among federal employees too. Both Ariel Investments and the Office of Personnel Management have looked specifically at participation rates by minorities in the Federal Thrift Savings Plan. The OPM study found that even among workers at the same salary grade, minorities are less likely to contribute. And when they do, they contribute less money.
It is critical that we understand and address these disparities, especially as our nation grows more racially diverse, and as the millennial generation settles into the workforce. Ariel Investments and the Labor Department's own ERISA Advisory Council have a host of recommendations for closing these gaps, both for young people and for people of color including greater use of technology; enhanced efforts at financial education and outreach; using automation as much as possible; and taking advantage of social media and all available communications tools to get the message across.
In the technology space, there's a lot of innovative work being done to reach these groups. Just last Friday in the Washington Post, there was a story about a Boston-based venture called the Society of Grownups, whose goal it is to engage millennials on the importance of financial management through low-cost classes, chats and supper clubs. The Society of Grownups is owned by MassMutual but operates independently and doesn't actually sell any financial products. The idea is just to introduce this generation, in an unintimidating way, to "Financial Planning 101."
Tech companies are starting to focus on this market as well. I was just in Silicon Valley late last week and met with an entrepreneur there who runs a startup called ClearStreet. Her company uses technology to help people manage health care costs and otherwise build savings, manage finances and eliminate debt.
At a more rudimentary level, there's an app targeted to young people that automatically rounds up the cost of every purchase on your debit card and deposits the difference in savings. So if you bought a latte for $3.10, it charges you $4 and puts the rest away an elegant way to use technology to teach the importance of savings.
In the federal government, we're marshaling our resources to better educate low-income and minority savers about their retirement planning options as well. There is an interagency Financial Literacy Education Commission that is marshalling resources across the federal government. The Labor Department has partnered with the Consumer Financial Protection Bureau and the National League of Cities on an innovative effort to provide financial education to disadvantaged young people. We're making targeted technical assistance available to as many as 25 cities to help them integrate money management skills education into their youth employment and training programs. This is a really promising effort at reaching communities of color to head off a retirement crisis down the road.
We're partnering with non-profit organizations as well. I met with a man just this morning named John Hope Bryant. He's the CEO of Operation HOPE, which was founded in the aftermath of the 1992 LA Riots. It's America's first non-profit social investment banking organization. They call themselves "the non-profit private banker for the working poor, the underserved and the struggling middle class."
In addition to providing internships, apprenticeships and entrepreneurship training, they do remarkable work in economic education and financial literacy empowerment for young people, especially young people of color. John Hope Bryant speaks of what he calls "silver rights" the next phase of the civil rights movement, where underserved communities can attain "financial dignity," accessing to the resources they need to thrive in a free enterprise system.
But what happens when workers and families do all the right things when they're conscientious about saving, when they're frugal and prudent, when they smartly put aside immediate gratification to play the long game and still have the promise of a dignified retirement snatched from them unceremoniously? How can we keep them from being victimized by a broken, outdated set of rules governing retirement advice?
That's a question we've been wrestling with at the Department of Labor for a few years now. Let me explain what I'm talking about by sharing one story about a hard-working American family for whom things went horribly wrong through no fault of their own.
The Toffels
Merlin Toffel did everything right. He was a veteran of the United States Navy and an electrician. He and his wife Elaine raised their four kids in Lindenhurst, Illinois. They loved to travel, but they worked hard and took care to save wisely. Over four decades, they built up an impressive portfolio with Vanguard Merlin at the helm and Elaine, an accountant, keeping the books.
When Merlin was diagnosed with Alzheimer's and could no longer manage their finances, Elaine made an appointment at the local retail bank. The bank's investment broker told her to liquidate that impressive Vanguard portfolio, and sold them variable annuities to the tune of $650,000. Elaine trusted that advice; it was in her best interest... she thought.
But those variable annuities charged nearly 4 percent of the investment over $26,000 annually. And if the Toffels needed to access the money right away, as all too many families face when our patriarchs are in decline, a 7 percent surrender charge would cost them more than $45,000. In the end, the broker's conflicted advice cost a hard-working, middle class family more than $50,000.
The Toffels' story is tragic, but it is not unique. Conservative estimates by the Council of Economic Advisors place the cost of conflicted advice at more than $17 billion annually. Our economic analysis shows that, conservatively, the amount that savers would benefit from our rule and this is only based on a slice of the IRA market would be $40 billion over ten years.
For families like the Toffels folks who have done everything we ask of the American middle class the stakes could not be higher.
An Enforceable Best Interest
And so it's on behalf of hard-working people like the Toffels that the Labor Department recently published our proposed conflict of interest rule. The underlying principle is very simple and rooted in basic common sense: if you want to give financial advice, you have to put your clients' best interests first, and not your own. Completing this rule is one of the single most important steps we can take to assist people preparing for retirement.
If you think about it, the biggest decisions in life fall into one of three categories medical, legal or financial. These three categories of decisions can have profound consequences, and the need for informed, unbiased, transparent advice is absolutely essential. Both your doctor and your lawyer are obligated to look out for what's best for you. When you go to see them for a round of tests or for help on a child custody matter, you have every expectation that they're working for your best interests.
Many people assume the same applies with financial professionals, but that's not necessarily the case. My advisor is a fiduciary; he has taken legal obligation to put our interests first. Most are already doing the right thing, but others operate under no commitment to serve your best interests.
In many cases, their only obligation is to offer you a "suitable" investment option, not an option in your best interest. There's a big difference between something that is "suitable," and something that is in the client's "best interest." If you're an adviser operating under a suitability standard, once you narrow the options down to those that are suitable, you can recommend the one that is most lucrative for you even though that might mean a lower return for the client. Under a best interest standard, you would need to choose the one that is best for the client.
Now while there are undoubtedly some rogue actors, this isn't about bad people doing bad things. The crux of the issue is good people operating within a structurally flawed system; a market that sees the interests of the adviser and firm all too frequently misaligned from the best interests of the customer.
So the singular goal of the Labor Department's conflict of interest proposal is to align the two. Simply put, we want to create an enforceable best interest.
The existing regulation is completely anachronistic. It was put in place 40 years ago, back in the defined benefit pension days. Today, American workers have more than $7 trillion invested in IRA's and more than $5 trillion in 401(k)-type plans. Back when the original rule was written, the former had just been created and the latter didn't exist.
This is pretty important stuff, so we haven't gone about it hastily. In fact, precisely because the stakes are so high, we've gone about this rulemaking with great care, thoughtfulness and deliberation. The Labor Department has been at this for five years now, and when I became Secretary almost two years ago I committed to slowing down the process to make absolutely sure we get it right. The result is a reasonable, middle-ground approach.
In addition to updating the regulation for the 21st century to protect the savings of retirees like the Toffels, our proposal serves two other important principles. It allows for flexibility, so that industry can use its expertise to find the best way to serve its clients in innovative ways. And the proposal also responds meaningfully to input and feedback we solicited during a far-reaching, comprehensive, even historic outreach process.
To allow for flexibility, the proposal we published in April does not include detailed rules as to what advisers can and cannot do to serve their client. While it is undergirded by the unassailable principle that retirement advisers should make their clients' best interests paramount, we leave a lot of room within that framework for industry to figure things out. Because there is no one-size-fits-all template for serving clients' best interests. Our intent here is to provide guard rails, not to put anyone in a strait jacket.
That's why we provide various carve-outs and exemptions, to give industry that flexibility. The proposed exemptions from ERISA's prohibited transaction rules would broadly permit firms to continue common fee and compensation practices, as long as they adhere to basic standards aimed at ensuring their advice is in their clients' best interest.
At the heart of the proposal is the best interest contract that would govern the advisory relationship if the adviser is receiving fees or other compensation. It's an innovative approach designed to respect existing business models while protecting consumers and leveling the playing field for impartial advisers. This contract is rooted in Ronald Reagan's adage "trust, but verify." It memorializes what I hear from everyone I speak to in industry they all tell me that they believe they put their clients first every day. This principles-based approach obligates the adviser to honor the interests of the plan participant or IRA owner, while also leaving the adviser and employing firm with the flexibility and discretion necessary to determine how best to satisfy these basic standards in light of the unique attributes of their business.
Process: A Big Table
The proposal is flexible precisely because of the unprecedented collaboration and consultation that we've built into the process. The proposal incorporates the views of stakeholders across the board. We've met with representatives of all of the major financial industry groups, financial services CEOs large and small, and representatives of employers who offer retirement plans to their workers. I have also met with consumer advocates and civil rights organizations. We've also worked extensively with colleagues throughout the government, including and especially the Securities and Exchange Commission, whose expertise was absolutely critical.
Successful rulemaking can't happen in a vacuum. It must be the product of a robust conversation and capture a broad range of perspectives. We didn't just go through the motions and check the boxes. We listened. We built a big table and invited everyone to pull up a chair. You can see that, for example, in the best interest contract exemption.
You can see our responsiveness reflected not just in what the rule will do, but also in what it won't do. It won't ban commissions or other common payments for advisers, because industry representatives told us that would be highly disruptive. We also heard that large plans with sophisticated fiduciaries making investment decisions need greater flexibility in dealing with advisers. So we included a carve-out for them, commonly known as the seller's exception. We also elected not to restrict industry's role in all-important financial education. Employers, call center employees, and other financial professionals will retain the right to provide general investment education without becoming fiduciaries.
Industry Support and Small Savers
Throughout this extensive outreach process, there have been strong expressions of support from top financial services executives. Leaders like John Thiel at Merrill Lynch Management and Bank of America CEO Brian Moynihan have come forward to say a best interest standard is the way to go. They have questions about our implementation, and I welcome those.
Jack Bogle, the founder of Vanguard, has been one of our more outspoken allies. Here's a guy who's been in this business, with great success, longer than most of us have been alive 64 years! So he knows what he's talking about. And he has said clearly that a customer first approach is not only the responsible thing to do, but it's also good for business.
We've also heard from smaller, more entrepreneurial firms, many of whom serve people with lower net worth and more modest portfolios. Companies like Financial Engines, Wealthfront, Personal Capital and Rebalance IRA they all provide personalized advice, while embracing and adhering to a fiduciary model.
Christopher Jones, the Chief Investment Officer for Financial Engines, calls this rulemaking "an important step to ensure the quality and independence of the investment advice provided to 401(k) investors."
Bill Harris, the CEO of Personal Capital calls it "a no-brainer." He adds: "If it's not in the customer's best interest, it's not advice." Plus, Harris says, if you give best interest advice and do it well, "it will redound to the benefit of your firm."
When I talk to firms like these and tell them about the argument on the other side that our rulemaking will make it impossible to serve the small saver they say: Give those small savers my email address. The bottom line is that this is a multitrillion dollar market; there's just no way industry will walk away from it.
I believe, in fact, that the new rule will be a catalyst for further innovation in the industry, as more firms devise new tools and strategies assisted by modern software and new technology-based tools to accommodate even those with only a few thousand dollars to invest.
The experience with a similar proposal in the United Kingdom can be instructive here. Their proposal was a lot more stringent new standards and qualification requirements, as well as a ban on commissions. Advisors in the UK had to reexamine their business models, which, like ours, far too often had misaligned incentives. But in both countries, we know that the market can respond to these initiatives with new, innovative, and low cost ways to provide advice.
With that in mind, I actually traveled to the UK last year to meet with the regulators and learn firsthand what their experience has been. And one of the things I heard is that lower fee options have increased in popularity, while more expensive investment options which had previously provided a higher commission are being sold less frequently. As for access to advice, one of the critiques I've heard of the UK initiative is that 310,000 clients were dropped by their advisers because they weren't profitable so supposedly that meant small savers were left on the outside looking in.
But just like we don't measure employment by only looking at jobs lost, it's important to look at the second half of that statistic. During the same time that they lost 310,000 old clients, they added 820,000 new clients. I went to law school because I was no good at math, but that looks like a pretty healthy net increase to me.
The Comment Period
The conversation about our proposed conflict of interest rule continues to take place. We extended the comment period to accommodate requests from industry, members of Congress and other stakeholders. There will be a public hearing during the week of August 10, after which time the comment period will re-open for two weeks once the hearing transcript is published.
We will read every comment we receive. We've received incredibly helpful input so far, and we're eager to hear more. For example, on the best interest contract exemption, we've heard concerns that the additional data retention and point of sale disclosure requirements are too cumbersome, challenging to implement and won't provide significant benefits. And we've received feedback from those who take the opposite view. We hope to receive a lot more comments on this important issue. The reason those comments are so important is because they've already begun to sharpen our thinking about whether we should make changes to the exemption for example by eliminating any of those provisions I just mentioned, so that the proposal accomplishes its goals in the simplest, least burdensome way for all concerned.
The more voices that are heard the more open, inclusive and transparent the process the stronger the new rule will be at the end of the day.
In a rapidly aging society, retirement security has never been more important. As a nation, we've never confronted a situation like this, and at the moment we're not quite ready for it. Retirement itself is a relatively new concept. For most of American history, to say nothing of human history, you just worked until you died. Average life expectancy didn't even reach 65 until the middle of the 20th century; today, 10,000 people are turning 65 every day. Our fastest-growing demographic, believe it or not, is people over the age of 85. The public policy challenges and implications of this demographic shift are staggering to say the least.
To keep the promise of the American Dream and sustain a strong middle class... to ensure rising living standards and expanded opportunity... to ensure that people don't spend their golden years burdened by economic anxiety... we need to be creative about promoting and protecting retirement savings. We need to protect Social Security. We need to incentivize personal savings through smart and creative about financial education. We need to use federal and state policy levers to eliminate barriers to job-based retirement savings.
A good job, education, housing, health care these are some of the pillars of middle class life. But you can have all of those throughout your prime working years... only to see them eroded unless we've strengthened the fifth pillar: saving for your family's future and working toward a secure retirement.
We need to find ways to help working families build the wealth they'll need so they can stop working when they want to. And through our conflict of interest regulation in particular, we must hold up our end of America's basic bargain ensuring that for folks like the Toffels, their hard-earned retirement savings is there when they need it. Thanks so much for your time today. I look forward to working with you on these issues.


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Here's another photo from the dredging of the back basin at the Philadelphia Navy Yard. This time, you see the survey boat checking the depth.
There was also some moorings built during this project. I hope to get some more photos soon. Stay tuned.
In the back basin of the Philadelphia Navy Yard, you'll find a number of ships in reserve or mothballed status. Fortunately, they're not needed as intended. Still, sad to see them laid up. Here's a look at a few on a clear morning.
Eventually they will be sold or scrapped. I'm sure their former crews have many stories to tell.
Cape May, NJ, USA has a beautiful harbor. If you like to watch the boats, there are several vantage points. Here's a look at the commercial fishing fleet rafted at the dock.
Be sure to check out the sport fisherman, the pleasure craft, and even the paddle boards and kayaks. There's all types of vessels about. And then, just a short walk away, you'll find plenty of establishments to enjoy a meal and beverages. Take your time. No hurry.
Here's another look at that aircraft carrier mothballed at the Philadelphia Navy Yard. This time, it's a look directly at the bow.
There's plenty of air draft on such a ship, which means some clever engineering to keep it right side up. It's always impressive to see such a massive structure up close. I'd like to see one moving at speed some day.


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The Debbie Leonard Group is a top-producing real estate team working with Keller Williams Realty Peachtree Road, and is comprised of 5 Atlanta Area Specialists & New Construction Experts. Areas of specialty include:
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$1,250.00 1 year ago
$1250 🌵🌵Handsome Desert Land to build Upon🌵🌵 (Regina, New Mexico)
San Pedro Estates in Northern Sandoval County, New MexicoUnit 5 Block 10 Lot 12San Pedro Estates is about 1 1/2 hours north of Albuquerque and about 2 hour drive from Santa Fe. Both drives are very scenic drives. San Pedro Estates sits in the northern outskirts of a little town called Regina in New Mexico State. This property is approx. 1/2 acre nestled in the northern part of Sandoval County, New
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Roswell, NM


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...plays a major part in Pan's Labyrinth, from the architecture to the props. With the props, Del Toro places emphasis on keys and knives. Keys posses an obvious denotation of being able to unlock things that previously stayed out of reach. In the film, they are used as a means of breaking into the military camp, a literal example of unlocking. However, they also hold the connotation of being able to unlock deeper, more meaningful things, such as emotion. Knives also carry...
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...Hollywood films and cinema, which one vital value is the dichotomy of outlaw hero versus official hero. Official hero tends to be an idealogy of the law and society values, represented through characters such as police officers and lawyers, whereas outlaw hero tends to be more of an individual with own marks of traits, and own marks of actions. Ray discusses that in traditional films, how a single character can hold completely different traits , giving examples...
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...The Hollywood movie Pretty Woman (1990) is about a prostitute in Hollywood, marrying an extremely rich businessman, in spite of her mutual distrust and prejudice. The movie contains the basic narrative of the Cinderella tale: through the love and help of a man of a higher social position, a girl of a lower social status moves up to join the man at his level.
Vivian Ward (Julia Roberts) in Pretty Woman comes from a small town in Georgia, and works as a prostitute on the streets of Hollywood...
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How to Write a Film Analysis Essay (Five-Paragraphs)
This article will provide step-by-step guidelines on how to write a fully developed and well-organized film analysis essay.
Note: It is important to follow the format and sample essay as you would a cooking recipe. The lower case letters in the format and sample paragraphs are the ingredients. Also, it is important to watch the film that you are writing...
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...into a new level of awareness, skill, and responsibility, and then a return home. Each stage of the journey must be passed successfully if the initiate is to become a hero. To turn back at any stage is to reject the need to grow and mature.
In this analysis, I have chosen Bounty Hunter and One for the Money.
Bounty Hunter is a1 hour and 50 minutes movie, directed by Andy Tennant, written by Sarah Thorp. Released on March 19th 2010, a genre of Adventure, Romance and Comedy....
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...Film Analysis
I. Title:
Les Misérables
II. Setting:
The setting of the movie was in France in the 1800's during the period of the Restoration. The major action is in Paris, but some episodes take place in neighboring towns.
III. Characters:
▪ Jean Valjean - He adopted Cosette. Valjean is an ex-convict who leaves behind a life of hatred and deceit and makes his fortune with his innovative industrial techniques.
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...Film analysis 2-Sherlock Jr.
As we have discussed in class, mise-en-scene is all about what is staged and arranged in front of the camera: actors, props, setting, color, movement, costume, make-up, and more. Identify *three* significant, specific elements of mise-en-scene from the scene in SHERLOCK JR. (see link above). Then answer the following questions: 1) For each element you mention, write a little about its meaning, emotional impact, and significance to...
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...Blacks in the Media:
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Bridgette' L. Miller
ENG225 Introduction to Film
October 25, 2010
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In the Random House Webster's College Dictionary one definition of bamboozled reads: "to deceive or get the better of by underhandedness; hoodwink (p. 105)". In Spike Lee's movie, Bamboozled (Lee, 2000), he explores how society buys into the...
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Americas Best Value Inn-Detroit/Dearborn: Find photos, reviews, information, amenities and compare prices for 2 stars hotels in Dearborn, United States.
Americas Best Value Inn-Detroit/Dearborn is located in Dearborn and is close to local sightseeing spots, including the Arab American National Museum. The numerous facilities this chic hotel features include a 24-hour reception, conference rooms and laundry facilities.
Hotel description
Americas Best Value Inn Dearborn treats guests to a wake-up service and a laundry service. A vending machine, a lift and parking are also provided.
There are 40 rooms at Americas Best Value Inn-Detroit/Dearborn, each providing all the necessities to ensure a comfortable stay. En suites include either a bath or a shower.
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Air Conditioned, Cable / Satellite TV, TV, En suite, Private Bathroom, Vending Machines
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A new season so it's time to show your true colours and Earn Respect with the Western Force 2016 Super Rugby Kids Home Replica Shirt.
Made from polyester, the jersey has been constructed using BLK's Exodry and Exotek fabric technologies to leave you feeling cool, dry and comfortable as the action heats up both on and off the pitch.
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29 CFR 1405.4 - Applicability.
Beta! The text on the eCFR tab represents the unofficial eCFR text at ecfr.gov.
§ 1405.4 Applicability.
The regulations cover permanent positions which are deemed by management to be appropriately structured on a part-time basis. The regulations do not apply to positions at GS-16 (or equivalent) and above.


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Domaine de Beauvois: Find photos, reviews, information, amenities and compare prices for 4 stars hotels in Luynes, France.
Domaine de Beauvois is situated in Luynes and features outdoor tennis courts. The numerous facilities this modern hotel has to offer include meeting rooms, massage services and free bicycle rental.
Hotel description
All the modern rooms at Domaine de Beauvois include a mini bar, plus all the essentials for an enjoyable stay. All have an in-room closet, a private bathroom and a flat-screen TV.
Domaine de Beauvois provides a variety of in-house dining options, including a cosy restaurant and a bar. A variety of breakfast options are on offer in the hotel's dining room.
Domaine de Beauvois is within walking distance of Loire River. The hotel's multilingual staff are available to make sure that every guest has a hassle-free visit.
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Room Service, Restaurant, Mini Bar, Cable / Satellite TV, Hair Dryer, TV, En suite, Private Bathroom
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- Logis Loire
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