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A lobby group for the retirement savings industry says the discrepancy between KiwiSaver balances for men and women could be addressed if the Government topped up lower accounts to a minimum level.
Figures released by Westpac bank for its KiwiSaver members show males have higher balances in their accounts from the age of 16, with the discrepancy reaching a peak of up to 30 per cent for women in their mid-30s and 40s.
Westpac blamed the difference on lower incomes and career breaks taken by women to care for children. Industry experts fear if KiwiSaver gains in significance and takes over from New Zealand Superannuation it could increase the imbalance between men and women.
New Zealand Super is paid to all those eligible regardless of how much time they have spent in the workforce.
But the Financial Services Council, whose members are insurance and investment providers, believes the gender difference could be helped through taxpayers topping up the accounts of those who aren't able to save enough because of a break in their career.
The top-up would be enough to allow them to buy an annuity which would pay them an amount equivalent to NZ Superannuation.
An annuity is a type of insurance policy that provides a regular income in exchange for a lump sum.
New Zealand does not have an established annuity market but there has been some talk between the government and superannuation providers about what it would take to get one going.
Peter Neilson, chief executive of the council, said the proposal did not include dropping New Zealand Superannuation but would be in addition to it, although he expected the age of eligibility to increase over time.
"This not only helps women who may have spent time outside of the workforce, it will also help anyone who has had very low earnings over their adult lives."
The council estimates the top-up would need to be made for less than 10 per cent of the population. But that is only on the proviso that the minimum contribution to KiwiSaver be increased to a combined 10 per cent from the employee and the employer.
Neilson also admitted that the top-up would not help those who did not join KiwiSaver.
The industry has been actively pushing for the government to make KiwiSaver compulsory but so far the National-led government has not bent to their wishes.


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Don Ledford Charity Fundraiser
|Arts & Entertainment
|Oct 12, 2013
The inaugural Don Ledford Charity Fundraiser will be held from 1 to 7 p.m. Oct. 12 at the Fines Creek Fire Department.
The free event will feature barbecue and hotdog plates, music by Cold Mountain Bluegrass, Hill Country Band, Stone Mountain Bluegrass, The Believers, Mountain Tradition, Samantha Mullholland and Southern Appalachian Cloggers.
Barbecue plates cost $7.50 and hotdog plates cost $5. There will also be a silent auction and all the proceeds go toward helping the needy in Haywood County.
The charity event event is named for Don Ledford, who died last year. Ledford was a local musician, a Vietnam veteran and retired from Evergreen Packaging with 42 years of service.

subset: commoncrawl


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Many of you may know that the majority of the pockets in our cloth diaper stash are Bum Genius one size 3.0s. They are definitely the most popular diaper across the family. They get the most use and they have worked well for us. Many of you may also know that Wee Little Changes is one of my favorite online cloth diaper shops. They offer amazing customer service and free shipping in the US! What more could I ask for in a cloth diaper shop?
I was thrilled when April from Wee Little Changes wanted to get involved with Cloth Leaves Nothing Behind because I love to share as much as I can about great online retailers. When she offered me the opportunity to review the Bum Genius 4.0 One Size, I was thrilled.
Ever since the BG 4.0 was released, I have been interested in how the 4.0 compares to the 3.0s that we love.
I had read other reviews that mentioned improved aplix and larger sizing so I was interested in seeing how it would work for us.
We received the Bum Genius 4.0 One Size in Ribbit which happens to be one of my favorite BG colors. I love how vibrant it is and how well it works for either a boy or a girl. The major difference I noticed when I unwrapped the diaper was that the inserts seemed larger to me. The diaper itself appeared to be very similar to the 3.0 before I placed them next to each other to compare.
The Bum Genius 4.0 has a variety of features that I appreciate including:
- replaceable elastic (though we haven't had to test this feature yet)
- 3 different sizing options designed to fit baby from 7 pounds through 35 pounds
- stretchy tabs to provide a more comfortable fit
- slot cover to keep the insert inside the diaper and keep your baby dry
- wide slot to make it easier to stuff
One feature I'm thrilled to see has remained are the laundry tabs. The Bum Genius laundry tabs have always worked well for us. The only challenge has been the actual tabs themselves. As we washed our 3.0s the tabs began to curl. So far the 4.0 has held up well through multiple washings so I hope that this is part of the improved hook and loop features. Still, the BG laundry tabs have been some of the most reliable in our diaper stash. It will be interesting to see how the tabs on the 40 hold up over the next few months.
After I washed the new 4.0, I got out a 3.0 that is in good shape so I could compare the sizing. The initial feeling I had about the 4.0 inserts proved to be correct. When I placed a full-size insert from a 3.0 (left) next to the insert from the 4.0 (right) there was an obvious size difference. I found this very interesting and figured that it meant there was a definite sizing difference between the two diapers.
I did find it interesting that the sizing snaps on the two inserts were placed with the same spacing so the length appears to have been added to both ends of the insert. Still, the sizing difference has not had an impact on diaper laundry. You can stuff either diaper with either insert and they both work well.
When I placed the two diaper covers next to each other, there was also a visible size difference. In my photos the Bum Genius 3.0 is shown in Twilight and the Bum Genius 4.0 is shown in Ribbit.
As you can see there is a definite difference in the length of the diaper covers when they are unsnapped to the largest size setting. This setting is design to fit babies from 23 – 35 pounds. With W weighing around 26 pounds, this is the size setting that we use with him.
There is also a difference in the width of the new diaper versus the old version. I was pleased to see this difference in sizing since we have a big guy on our hands. To be honest, I wasn't too sure how big of a difference this would make in the fit and the absorbency but I liked seeing the extra room.
When comparing the two diapers secured with the aplix, the size difference was still very apparent. There doesn't appear to be much difference between the fabric above the loop strip but their is definitely additional room beneath the loop strip. Both diapers are unsnapped to the largest setting in the photo and you can see how much bigger the Ribbit 4.0 is than the Twilight 3.0. The Bum Genius claims that the 4.0 provides more generous sizing and based on my comparison, I would have to agree.
Once I put the Bum Genius 4.0 on W, I was very pleased with the fit. The larger sizing didn't effect the fit at the waist and thighs. The elastic is gentle yet fits securely against his skin. From time to time, depending on how he is laying while sleeping the elastic can leave a mark on his skin but it fades quickly. It's never been much of an issue for us.
I am a fan of higher rise because W is so long. Many diapers that claim to have a lower rise are just two low and we get leaks immediately. So anything with a higher rise definitely catches my eye. In the photo to the left you can see the Bum Genius 4.0 (top) compared to the Bum Genius 3.0 (bottom). In that photo both are shown in the Ribbit color. This photo isn't the greatest as the 3.0 is W when he was younger so the diaper is snapped down. But you can see that the general fit of both diapers is very well on my chunky monkey.
If you have a bigger child, I would highly recommend the Bum Genius line. We have enjoyed the One Size pockets and the sized AIOs we have in our stash. The Bum Genius 4.0 One Size definitely earns a place at the list of our favorite diapers. I enjoy the more generous sizing and the new aplix has held up well. Although I haven't tried the BumGenius 4.0 One Size with snaps but I would love the opportunity to try that diaper as well. If you are not an aplix fan, I would still recommend the Bum Genius.
The only challenge we have fun into with our Bum Genius involves some stinkies in the microfiber inserts. This problem has been resolved with the use of distilled white vinegar and eventually a bleaching of the inserts according to the directions on the Bum Genius website.
Formula Mom Disclosure: I received a free product for review purposes. However, all opinions and experiences are 100% my own.


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Gary Sheffield Signed MLB Baseball w/ 92 Batting Champ insc
$139.99 $99.99 / 29% Off
Gary Sheffield has been a power hitter on every team that he has played for. Gary Sheffield was one of the most-feared hitters in the majors to ever play. With sheer power, Sheffield had the ability to change the whole ballgame with one swing of the bat. This Gary Sheffield autograph is guaranteed authentic and includes a Steiner Sports Certificate of Authenticity and an accompanying tamper-evident Steiner Hologram. The Steiner Seal Means It's Real. Steiner Sports is the Official Memorabilia Partner of the New York Yankees.


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from Central Florida!
This is a discussion on Greetings from Jax, FL within the New Members Introduce Yourself forums, part of the Welcome To DefensiveCarry.com category; Greetings! My name is Dave Galloway, I am a new member and have enjoyed the group, thus far. I have recently returned to Florida after ...
My name is Dave Galloway, I am a new member and have enjoyed the group, thus far.
I have recently returned to Florida after leaving the Army in 2005, after over 10 years as an MP (sorry... to make matters worse, I am a dirty, rotten, leg MP... LOL).
I spent some post Army Managing a gun store in Washington. Due to physical conditions beyond my control, (mainly thanks to being a leg MP...) I was unable to stay in that postion. So, I worked in a local gun store part time and found I enjoyed working with leather in my free time. One thing led to another, and I built Little Bear Custom Holsters. Thanks to support from friends and family it is going well.
Currently, I am an admin manager with the family business: Event Production Specialists, Inc (we do lights, sound, staging, events from small to both superbowls in FL). And of course, I am still building rigs and learning more and more everyday.
from Central Florida!
Proverbs 27:12 says: The prudent see danger and take refuge, but the simple keep going and suffer for it.
Certified Glock Armorer
NRA Life Member
Hi Dave and welcome from Fort Worth TX!
- - - - -
Outside of a dog, a book is man's best friend. Inside a dog, it's too dark to read. -Groucho Marx
Thanks for the welcome!!
Welcome from Montana.
When youre wounded and left on Afghanistans plains,
And the women come out to cut up what remains,
Just roll to your rifle and blow out your brains,
And go to your God like a soldier.
Rudyard Kipling
Welcome to the forum.
eschew obfuscation
The only thing that stops bad guys with guns is good guys with guns. SgtD
Welcome from Middle Tennessee, and thank you for your service!
If the public are bound to yield obedience to laws to which they cannot give their approbation, they are slaves to those who make such laws and enforce them.--Samuel Adams as Candidus, Boston Gazette 20 Jan. 1772
Veteran--USA FA
NRA Benefactor Life
Tennessee Firearms Association Life
Greetings from Rocky Top Tennessee
When you accept mediocrity you sow the seeds for future failure.
One should never confuse good fortune with good training.
Illegitimus Non Carborundum. In God we trust.
Welcome from Eastern Idaho.
Μολὼν λαβέ
USN 78-82/USAF 82-93 Medically Retired
Desert Shield/Desert Storm
DAV Life Member
NRA Life Member
Welcome Aboard from just up the road at Georgia's exit 1.
Welcome from another Jax guy in San Marco!
Dave, welcome from Pennsylvania and thank you for your service in the Army!
Welcome from another Jacksonville resident.
I never considered a difference of opinion in politics, in religion, in philosophy, as cause for withdrawing from a friend. (Thomas Jefferson)


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29th Annual 'Battle of the Badges' - Theater at Madison Square Garden
Ages: All
4 Pennsylvania Plaza - 212-465-6741
Midtown, NY 10001
Description: The 29th Annual "Battle of the Badges" FDNY versus NYPD boxing event returns on Saturday, November 19th to the Theater at Madison Square Garden. Come support New York's real heroes as they step into the ring for New York City bragging rights. Each and every day, New York's Finest enforces the law and protects the peace... New York's Bravest fights fires and protects our safety... But nobody can protect them from each other! For more team information, visit: http://fdnyboxing.com/ and http://nypdboxing.com/


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You guys are soooo lazy.....and we want vino tinto and blackberries too. We´ve been trekking loads...by foot, swimming through a glacial river (seems Lonely Planet doesn´t know the bridge no longer exists), on the back of a pickup and by luxury cruise. We made it to Villa O´Higgens after a long trek around the lake (where Jo got lost in the forest for a good couple of hours), camped in someone´s horse paddock where I woke up with my head frozen to the side of the tent by a huge slab of ice and are still here...trying to hitch along the Carreterra Austral - well...maybe tommorrow.
Hope you are having fun. Maybe you´ll still be there by the time we get that far.
Yes we are still hanging with the hippies!!
Loading Map
We have managed to get stuck in El Bolson & I am in heaven in this gorgeous hippy little town. So nice to have a double room that we can throw all our clothes around. It really feels like home. The place we have been staying in for the last week (Ni Nada) has turned out to be a real gem. On a farm there are chickens & little baby chick (soooooo cute), cows, dogs, cats & lambs. The owners even make their own yogurt which we are still yet to try. We have been walking 2 minutes from the site to go for daily swims in a small river which seems this is where the local kids seem to hang out also. Still a bit too cold for me however Bern is alot braver then me & considers this to be his heaven. I spend more time sunning myself on the pebbled shore. After our first 2 days of bumming around we took to the dusty roads with our day packs & went for a wander in the mountains. The first day trip we went up to some lookouts with views of Rio Azul. On our second trip out we went on a hunt for this paradiso that we have been told about. As we were hungover in the morning we were a bit slow to get started & did not leave enough time to find it & get back to camp. We are planning on searching for it tomorrow however the hike was not wasted. We returned back to Ni Nada with about a kilo of Blackberries (handpicked of course) which we made our first ever batch of jam with. Have been sharing around to friends who are all very impressed. So were we!!!! Meet a great English couple who are teaching us how to slackline. Looking at having a BBQ tonight along with (of course) some amazing cheap red wine.
The markets are on today so I am going shopping very soon. Local produce & jewelery. I am in heaven. Hoping to make a decision on where we are going to go next. Deciding between a trek out of El Bolson or move on to Bariloche & trek through the national park there. Some many people have been tell us how great El Bolson trekking is so we are still undecided. After some hard decision making, with the earthquake in Chile we are unfortunately going to give the lake district a miss & spent that time in Central & Northwest Argentina. Hoping by the time we have finished there that it will be smooth passage into the Atacama desert & onto Bolivia.
I hope everyone is happy & healthy & not missing us too much. We do think about you all when we crack into that 3rd bottle of Tinto Vino!!! Picking us some of the language & have a small Spanglish vocabulary. The rest is still made up of good ol� fashion sign language.
Keep smiling.
Love the watties
Glad to see your enjoying yourselves The photo's look beautiful.Take care love you both..
Heaven is were the heart is at home.
PS Tidy your room up
I've a message for Foghorn Leghorn from upstairs; "can you keep the noise down, 3 in the afternoon in South America is Midnight over here".
that's nowt. me chatty and dave had a night round beverley on saturday, then saw rovers beat st helens yesterday. now that's heaven. good to hear you're having fun. keep your eyes on the news though, don't think brits are too popular with the argies at the mo'.(oops, forgot, bernie aint a brit anymore!!)
What is this life,if full of care,
We have no time to stand and stare.
No time to see,in broad daylight,
streams full of stars like skies at night.
Well done with the jam,becoming more envious with each message. Regards Steve. PS; the photo of Bernie swimming, looks like he has rather a large bump on his head?
Hey travellers!
We had no idea that you had already left the UK! Just came across your blog by accident (through facebook). Have been reading all your updates now.
It sounds like you two are having an amazing time. Especially the long trek you did in Patagonia sounds really cool. You must be so fit by the time you reach Australia! Glad to read that you were not in Chile at the time of the earthquake.
Just to give you an update: Holland is great so far. We are both happy with our jobs & apartment. Just bought ourselves a car, so we are looking forward to do a nice road trip in Europe this summer. Well, have a great time over there, we'll keep reading your updates from now on. :-) xxx


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If speeding tickets are what Northland drivers need to slow them down then so be it, says Roadsafe Northland.
New figures released by police show the number of speeding tickets handed out has nearly doubled throughout New Zealand over the past year. In 2010, police handed out 627,948 tickets for speeding infringements, compared with 329,838 in 2009.
Roadsafe Northland Whangarei co-ordinator Gillian Archer said the region had to support ticket issuing as it was keeping the road toll down. "If the increase in speeding tickets is what it takes to reduce the number of deaths on our roads then that's the way we have to go about it," she said.
The exercise was not revenue gathering but about keeping people safe, with ideally no tickets being issued. "At the end of the day people aren't paying sufficient attention to the speed they are travelling," Mrs Archer said.
The Automobile Association has called for signs warning drivers of speed cameras in high-risk areas - an idea Mrs Archer said had proven results in Australia.
Only six people have died on Northland's roads so far in 2011 - compared with 22 for 2010.
Police say they are considering signs warning people of speed cameras.


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Once the NFL lockout ended, there was a higher-than-normal amount of injuries when training camp started.
The Cavaliers have tried to stave off an inordinate amount of injuries now that their training camp has started.
They've tried to implement ways to prevent the injuries before they happen.
For one, Cavs coach Byron Scott can't run his normal Camp Scott this year with the team playing 66 games in 122 days.
"We've tried to look at all these different areas to see where we can hopefully prevent or minimize injuries," Cavs general manager Chris Grant said. "This has nothing to do with injury history. This has to do with the fact that our players' bodies are used to being on this yearly cycle."
Everything is out of whack for the players, whose bodies usually tell them it's time to report to camp in late September or early October.
That was pushed to last Friday for the official start of camp. The Cavs will have two preseason games and one intrasquad scrimmage and -- bam -- the regular season will start on Dec. 26.
The 134-day lockout forced the Cavs to cancel their regularly scheduled eight preseason games.
Grant said the Cavs don't have much time to prepare for the compacted season.
"We're going to play a lot of back-to-backs and a back-to-back-to-back," he said. "So how do we position ourselves best to deal with that? We may be able to control them, we may not, but it makes sense to do what we can do to try to manage the circumstances the best we can."
During the lockout, the Cavs did a self-assessment of all their departments to find out what they do well. They felt their medical department, which includes a strong relationship with the Cleveland Clinic, was one of their strengths.
Besides the customary physical, the Cavs gave all their players conditioning tests at the onset of camp. They want to establish a baseline, and make some decisions from there. Should they start practice later, which will allow the players to get more sleep? Should they give the players days off when they are in a stretch of several practice days?
They've revamped their kitchen and have switched to strictly organic food. They are taking a holistic approach.
The Cavs will also likely alter their travel schedule. On road trips, they'll likely stay in that town overnight, practice there and then travel to the next city the following day. NBA rules suggest that teams be in the cities the night before they play.
They are trying to decrease late-night travel.
Of course, all the precautions in the world won't prevent players from rolling their ankles and suffering other coincidental injuries.
The Cavs have also added some new equipment, which will allow more non-impact conditioning.
With all their resources, their No. 1 motivation is to prevent injuries.
"Camp Scott has to be like Camp Soft," Scott said. "I can't be the normal guy I am. We'll have to modify my training camp. I don't know what kind of shape they are in. We'll take it a little slow.
"Normally at the start of camp, it's my tendency to kill them to see where they are. That usually works. I find out soon which guys came to camp in shape."
Of course, 10 minutes into the Cavs' first practice, guard Baron Davis came up with some back tightness and hasn't practiced since.
Keeping up with the Gibsons?
Cavs guard Daniel "Boobie" Gibson and his wife, singer Keyshia Cole, will be the stars of their own reality show.
"My wife had a reality show going a long time ago and she just finished it up," Gibson said. "This last piece is her, and we're together now. It's called 'Family First.' It's about our family coming together. Me playing basketball, her singing and us raising a son at the same time. It's a pretty nice thing."
Gibson said if a network picks it up, it could air as soon as February.
"We're still putting the finishing touches on it," he said.
He's not worried about any bad publicity like the Kardashians got when Kim broke up with NBA player Kris Humphries.
"There's nothing superficial or fake about us," Gibson said. "We're living it. So whatever we do, we wouldn't mind putting it in front of the fans. We're just being who we are. That's the fun thing about it."
He said one of the first episodes will be of their marriage in Hawaii.
"It's beautiful," Gibson said.
Quick shots
-- The numbers published Saturday on Kyrie Irving and Tristan Thompson's contracts were a bit off. Irving's four-year deal is worth $24.4 million and Thompson's is $17.7 million. The first year of Irving's deal is worth $5.3 million. Thompson will make $3.8 million.
-- Thompson is majoring in communications at Texas. He'd like to get into broadcasting and be an analyst on ESPN, TNT or NBA TV. He didn't finish two exams while attending classes at Texas. His teachers allowed him to email the final exams to them. How nice.
-- If the Cavs would have had the chance to draft Omri Casspi in the 2009 draft, they might have done it. However, he went No. 23 to Sacramento and the Cavs took Christian Eyenga at No. 30.
"Casspi was a player we have tracked and watched since he played overseas," Grant said. "We were close to taking him at that point (in the draft). He's someone we really liked. We told him, 'We're excited about getting you and have highest expectations for you.' He's a good fit with Kyrie."
-- Cavs forward Antawn Jamison was a bit surprised the Cavs traded J.J. Hickson.
"I didn't see that happening," he said. "I haven't had a chance to talk to J.J. (It's) life in the NBA."
-- The North Carolina-Kentucky game on Dec. 3 was a dream come true for NBA scouts. There could have been as many as 10 first-round picks on the two teams. Don't be shocked if the Cavs' 2012 first-round pick was on that floor.
-- It appears as if the players' first paychecks will be delivered on Jan. 1. If that's the case, they'll have missed three paychecks because of the lockout. Their per diem this year is expected to be $108 a day while they are on the road.
-- NBA teams raided the D-League Canton Charge's two best players. Forward Tyrell Biggs, the Charge's first-round pick in November, joined the Cavs. He was averaging 21.3 points in four games with the Charge. Point guard Keith McLeod went to camp with the Utah Jazz. The Canton native played with the Jazz from 2004-06.
Information for the NBA notebook was gathered by personal interviews and from other beat writers around the league. Finnan can be reached by email at:
Follow him on Twitter: @BobCavsinsider


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|Home > National News > Article
Prime Minister John Howard has announced a $1.5 million grant to build three memorials in Papua New Guinea. Meanwhile, the Federal Government has given the Sydney Swans $45,000 for its Saturday night clash with Richmond in Sydney, billed as a Kokoda memorial game.
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FDA Approves Odactra for House Dust Mite Allergies »
"The U.S. Food and Drug Administration today approved Odactra, the first allergen extract to be administered under the tongue (sublingually) to treat house dust mite (HDM)-induced nasal inflammation (allergic rhinitis), with or without eye inflamm"...
Read the FDA Approves Odactra for House Dust Mite Allergies article »
(Generic versions may still be available.)
In the event of overdosage, supportive measures including gastric lavage and emesis should be employed. Substantial overdoses of Astemizole can cause death, cardiac arrest, QT prolongation, cardiac arrest, torsades de pointes, and other ventricular arrhythmias. These events can also occur, although rarely, at doses (20-30 mg) close to the recommended dose (10 mg/daily). (See WARNINGS and DOSAGE AND ADMINISTRATION.)
Seizures and syncope have also been reported with overdose and may be associated with a cardiac event.
Overdose patients should be carefully monitored as long as the QT interval is prolonged or arrhythmias are present. In some cases, this has been up to six days. In overdose cases in which ventricular arrhythmias are associated with significant QT prolongation, treatment with antiarrhythmics known to prolong QT intervals is not recommended.
Astemizole does not appear to be dialyzable.
Oral LD50 values for Astemizole were 2052 mg/kg in mice and 3154 mg/kg in rats. In neonatal rats, the oral LD50 was 905 mg/kg in males and 1235 mg/kg in females.
Concomitant administration of Astemizole with erythromycin is contraindicated because erythromycin is known to impair the cytochrome P450 enzyme system which also influences astemizole metabolism. There have been two reports to date of syncope with Torsades De Pointes, requiring hospitalization, in patients taking combinations of astemizole 10 mg daily with erythromycin. In each case the QT intervals were prolonged beyond 650 milliseconds the time of the event; One patient also received ketoconazole and the other patient also had hypokalemia.
Concomitant administration of astemizole with ketoconazole tablets is contraindicated because available human pharmacokinetic data indicate that oral ketoconazole significantly inhibits the metabolism of astemizole, resulting in elevated plasma levels of astemizole and desmethylastemizole. Data suggest that cardiovascular events are associated with elevation of astemizole and/or astemizole metabolite levels resulting in electrocardiographic QT prolongation.
Concomitant administration with itraconazole is also contraindicated based on the chemical resemblance of itraconazole and ketoconazole. In vitro data suggest that itraconazole has a less pronounced effect on the biotransformation system responsible for the metabolism of astemizole compared to ketoconazole.
(See WARNINGS and DRUG INTERACTIONS.)
Astemizole is contraindicated in patients with known hypersensitivity to astemizole or any of the inactive ingredients.This monograph has been modified to include the generic and brand name in many instances.
Last reviewed on RxList: 12/8/2004
Hismanal FDA Prescribing Information
Additional Hismanal Information
Report Problems to the Food and Drug Administration
You are encouraged to report negative side effects of prescription drugs to the FDA. Visit the FDA MedWatch website or call 1-800-FDA-1088.
Allergies & Asthma
Improve treatments & prevent attacks.


text: Kids without any form of dental insurance will have the opportunity for free dental care next month.The Caring Hands of Maine Dental Center is holding its annual "Give Kids a Smile Day" on Saturday, February 12th.Kids up to age 18 can have free dental screenings, exams, x-rays, cleanings, and treatment.The event will be held from 8 a.m. to 4 p.m. at 70 Kingsland Crossing, Suite A in Ellsworth. The location is near Lowes. You must call ahead to schedule an appointment. To make an appointment or for more information call 667-6789.


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We aim to influence education policy and practice, ensuring all young people develop the understanding and skills required to play an informed role in society. We also support the development and progression of young scientists and social scientists.
Our current focus is on primary education, secondary education transitions, and science and mathematics education. This includes projects relating to speech and language impairments and interventions to address them across all age groups.
We are also interested in Early Years Education and Childcare, for which we have a separate programme. In recent years, we have also funded projects on student parents and women's education.
We support research and its translation into policy and practice. You can find out more about research projects on the our work in this area section of this page. For information about funding, see apply for funding.
We have also developed resources and approaches that exemplify effective educational practice. Visit our teachers section for access to hundreds of free resources and information about courses and projects.
Through our Nuffield Research Placements we provide opportunities for school and college students to take part in STEM-related research.
We also enable and contribute to policy debates.
Our work in this area
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I have been trying to talk to the owner of the ACE hardware store in Newton Falls, OH for quite some time. The store is posted gun free. The owner never seemed to be around.
I finally talked to him today.
I can't believe that people this thick headed and stupid can actually function an day to day basis.
I asked why he would deny honest law abiding citizens the opportunity to give him their money. His reply was "You can shop here, you just can't bring your gun."
I then asked him if he thought that a criminal intent on robbing his establishment and assaulting his employees and customers would pay any attention to a sign that says he's not allowed to "bring his gun". To which he replied "What would you do do if someone came in here to rob the place while you are here with your gun?" I told him that "I would be the best possible witness that I could for the police and that, if directly threatened, would defend myself by what ever means necessary". He asked if that meant that I would shoot to kill. I said "If there is ever a need for me to shoot in defense of my life, then yes I would shoot to kill. "That's why you can't carry your gun in my store!":spankme:
Am I being thick here or did he just tell me that he would rather see his employees and /or customers killed in a robbery than to have a criminal shot in his store?
BTW He also told me that "Works for the PD" and knows "All about what it takes to get a CCW"


text:
Framing Tray Ceiling to Match Existing
2 Attachment(s)
I have a large room that I will be subdividing with a partition wall. The wall itself will be 2X4's staggered on 2X6 plates for noise reduction. The ceiling of this room has two trays around it's perimeter. From the wall, there is an outer tray with a 2" step down from the inner tray, and the inner tray is a 1.5 inch step down from the ceiling. The outer tray is 14 inches wide and the inner is 8 inches wide. The attached image lays out the room and ceiling trays in black, with the added partition and trays in red.
CeilingTrays copy.jpg
I'm looking for suggestions on framing the partition to ceiling and tray area. I've come up with one method, in the attached file:
The view in this attachment is parallel to the new partition, looking at only the top portion of the stud, and then ceiling plates, etc. Does this seem structurally sound / reasonable?
Thanks in advance.
Your detail looks like a good start. I would carry the wall up full height and add a 2x4 to the side to support the gwb at the lower soffit. Maybe consider 5/4 blocking in lieu of 2x on the top so you won't have to remove the old ceiling. You could use 1/2" wood strips (sold at box stores) for the lower soffit blocking instead of having the "green" sheetrock. There also is no need to run the "green" gwb through the main wall. Run the wall full height and provide a 2x block on each side to suppor the "yellow" gwb.
I think that with the right blocking selection you could eliminate the need for demolition to the "red" gwb and eliminate the need for the "green" gwb.
I like your suggestions and they've helped me take a whole different look at this. A few questions to ensure I've got it right...
Use 5/4 for the 1.5 soffit, and just nail up through the existing ceiling gwb to secure it in place.
Use 5/4 plus a 2X with 1/2 strip added to complete the blocking for the 2" soffit.
The green gwb was actually intended to be OSB, but you're absolutely right, no need to bring it through the entire wall in sheet arrangement. In fact, that would probably just act like a sound collecting diaphragm on one side, and transmit the sound across to the other side, too. Actually I could just rip a strip of 1/2 OSB to match the 2X blocking.
Do you think the wall top plate can be nailed up through the ceiling gwb, too, or should I remove just that strip of ceiling so that the top plate has a solid purchase on the trusses above?
Thanks again.
I think you can nail the top plate right through the gwb. it's not load bearing, it'll save you the dirty job of hacking it all out, and ensure an air barrier if this is against the attic space.
Well i don't think you got this planned out right.
Your outer tray is a 2" step down from the inner tray- which means that outer tray was installed afterwards over the 1/2 gypsum.
If you where to build the way you got it sketched up your outer tray would end up being 1.5" down from the inner tray...which is not installed over the 1/2 gypsum.
Ah, ha! I had it backwards.
Put the 2x4 for the upper soffit piece, and the 5/4 for the lower piece (with the 1/2" osb spacer still).
1 Attachment(s)
Okay, what do you all think of this approach. 5/4 blocking, nailed direct on/through the ceiling provides the first, 1.5" step. The new GWB layer for the first tray is carried through to the next tray's 5/4 and 2x4 blocking, to provide the total of 2" for the next step down. I'm kind of thinking of dealing with the trouble of cutting the ceiling (yes, attic above) in order to provide better sound isolation from one side to the other. 1/2" OSB provides the necessary 1/2" needed due to cutting out the ceiling.
Switch the 5/4 and 2x4's to gain the right dimensions per your original post and steel toes observation. That change will give you a 2" upper drop and an 1-1/2" lower drop to the match the existing.
The top of wall is over-framed and expensive. You only need a single 2x6 top plate and (1) 2x4 on each side of the wall as a nailer for your sheetrock. This added "void" will give you more space for insulation for sound attenuation.
I'm not sure where exactly I may have led you guys astray, but I think I have my blocking correct. From the main ceiling area, the first tray steps down 1.5, and the second tray steps down another 2".
Thanks for the suggestions.
Now it occurs to me I've got to put some thought into how to complete the ends of the partition wall, that is, the top plate area, of each end where it will interface with the existing ceiling trays. I dug through some insulation and looked at the ceiling from above: the inner, 1.5 step down was accomplished with a 1.5 x 1.5" length of wood, and the outer 2.0 step down with two 2X4's in vertical orientation.
I misread the OP after the above comment was made and thought the upper drop was 2", not 1.5". So you didn't lead me astray, I did. So here's what I've concluded thus far:
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Editor's Rating:
The Good: Riveting reading on Wall Street machinations surrounding former NYSE CEO Richard Grasso.
The Bad: It's often worshipful of Grasso's accomplishments.
The Bottom Line: The most complete rendering of Grasso's final days.
King of the ClubRichard Grasso and the Survival of the New York Stock ExchangeBy Charles GasparinoCollins; 383pp; $27.95
Fond of elevating its heroes, Wall Street delights equally in dismantling them, limb by tortured limb. Consider the careers of once-mighty, now fallen Citigroup (C) founder Sandy Weill or junk bond pioneer Mike Milken. First hailed for their genius in introducing novel thinking and new markets to the world of banking and securities
trading, they were ultimately seen as greedy and power-hungry—men in need of replacement. Former allies distanced themselves, claiming that they had seen the downfall coming.
Such is the story arc of the mostly celebrated career of Dick Grasso, former chairman and CEO of the New York Stock Exchange (NYX). The "little guy in the dark suit," as he was known among floor traders, might have accepted a job at Mayflower movers. Then came a lucky break: an $81-a-week NYSE clerk position requiring no more than a high school diploma and "the ability to follow orders." In 2003, some 35 years later, the boy from Queens who morphed successfully into "part businessman, part politician, and part circus maestro" became a full-time pariah because of a $180 million pay package that seemed emblematic of an age of CEO pay excess.
CNBC correspondent Charles Gasparino's King of the Club is the first book to chronicle Grasso's astonishing rise and fall. In May, 2004, as a reporter for Newsweek, the author landed the first major interview with a dethroned Grasso, who laid out how he had done nothing wrong (the board had approved his pay) and should get the money due him. This book further elaborates Grasso's argument that a working-class hero was brought down by an Establishment of elite Ivy Leaguers (read Goldman Sachs (GS)) that usurped control of the exchange for its own benefit. The hero bit is vastly overdone. But Gasparino's detailed account of Wall Street insider machinations, and the tick-tock of boardroom negotiations during the worst crisis in NYSE history, makes for riveting reading. It's also the most complete rendering of Grasso's final days.
At the center of the controversy, of course, is whether Grasso fully deserved his pay or got a salary "beyond all comprehension" thanks to a board packed with yes men. A largely sympathetic Gasparino gives Grasso plenty of benefit of the doubt but concludes that in vocally defending himself, Grasso's concern was always "protecting his turf and his power." Meanwhile, Grasso is appealing a 2006 court ruling that he must return some $100 million in pay.
Gasparino begins his story on September 11, 2001, a choice that threatens to lead into a pit of clichés about that day's heroics. Grasso played a key role in reopening the exchange on Sept. 17, but he also spearheaded the post-9/11 slogan "Let Freedom Ring," implying that doing business with the NYSE was patriotic. Such opportunism revealed Grasso's skill as spinmeister par excellence. In this role, he would thrive and profit. He set up the NYSE's first Silicon Valley outpost, allowed TV reporters such as Maria Bartiromo (now a CNBC anchor and BusinessWeek columnist) on the floor, and turned the bell-ringing ceremony into a publicity stunt that featured supermodels and politicians. By drumming up more order flow than the floor had ever seen, Grasso made everyone else rich, too.
Grasso's tenacity defied time and technology. The NYSE was an anachronism in the 21st century, yet single-handedly he preserved the "open outcry" auction system where specialists act as middlemen in trading. Then came a bear market and a Securities & Exchange Commission probe into illegal trading, followed by fresh charges that a self-regulated NYSE didn't work. Large investors such as Fidelity cried foul. Grasso's fat paycheck and an ill-timed nomination of Weill to the board, even as the Citigroup CEO was embroiled in Enron and WorldCom scandals, tarnished his hero status for good.
As often happens, many former supporters turned against Grasso—namely New York Attorney General Eliot Spitzer, interim NYSE CEO John Reed, and Goldman Sachs CEO Henry Paulson, an NYSE board member. Ultimately, a Goldman alum took the NYSE helm. By then, Grasso, the exchange's most effective advocate ever, had run out of anything good to say about the place.


text:
Depends on what you want to do.
The GT500 is going to be very fast in a straight line. But the Ford 5.4 mod motor is a giant heavy iron thing hung way out in the nose, the weight distribution on those things is ghastly and the Mustang chassis is nowhere near as good as the V.
The GT500 will be a great straight-line warhead and a joke any time the road turns.
I'm just wondering why the original poster would be comparing these two vehicles, seems to me that if you can live with a Mustang you're not going to buy a sedan, and if you want a 'balanced' car the Mustang's not going to have much appeal.


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The Table at the top
should appear on every page of this website - to help you navigate around the
site - but you might find a click on the Site
Map button above a much easier way to search these pages.
Either way - if you "get lost"
- just remember to use your "Back" button - Good Luck - now go have
some FUN !
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interested in hosting any Indiana county page, please contact
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Jeff Kemp
Lena Harper
Please direct
questions or comments about this site to me - your
- James D. VanDerMark )
If you are
planning a visit to Parke County you might want to check out a few of these


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New Braunfels Herald Zeitung (Newspaper) - October 25, 2011, New Braunfels, Texas 41 Tuesday, October 25, 2011 | herald-zeitung.com HERALD-ZEITUNG EDITORIAL BOARD Publisher and kditor Doug ionny M»nijmg fd'tot Shi<w ( twu Circulition Oirctloi J«(f Fowlei A,it Mtnagiflo W.H Wr>qht Copy fdHor K*t» TKofflaj A look at the amendments on Nov. 8 ballot arly voting for the Nov 8 election opened Monday On the ballot, you II find 10 proposed state constitutional amend rnents i he following is the second in a series of editori als featuring our views on the propositions Proposition 4: The constitutional amendment authorizing the Legislature to permit a county to issue t>onds or notes to finance the development or redevelopment of an unproductive, underdeveloped, or blighted area and to pledge for repayment of the bonds or notes increases in ad valorem taxes imposed by the county on property in the area. The amendment does not provide authority for increasing ad valorem tax rates. ihe state Constitution allows the Legislature to authorize incorporated cities and towns to use tax increment financing to ()ay for the development or redevelopment of an unproduc tive underdeveloped or blighted area The bonds or notes to finance the development are repaid using increases in tax rev enues on the property Ihe revenue increases come from increases m property val ues m the development area not from an increased tax rate which IS not allowed Proposition 4 would expand the authorization to include counties to expand the use of tax increment financing OUR VIEW; f he reasons for labeling an area as unproduc tive underdeveloped or blighted aren t very well defined As such, some developers could abuse this amendment to get an area declared a reinvestment /one Such a move could cause existing, surrounding businesses to pay higher taxes for pro] ects tfiat don t benefit them or worse, aid their competition Without a c lear description of what constitutes an produc tivr underdeveloped or blighted area the amendment opens too wide ot a door for misuse New Braunfels and Comal County kncjw full well the dangers of giving developers too murfi rope In addition the amendment limits the taxes collected on the me reased values to being used to improve the redeveloped area onlv As such they wouldn t benefit the entire county I hr New Braunfels Herald Zeitung does not endorse Propo sition 4. and encourages readers to vote against the amend ment Proposition 5; The constitutional amendment authonzing the Legislature to allow cities or counties to enter into interlocal contracts with other cities or counties without the imposition of a tax or the provision of a sinking fund, ihe fexas Constitution states cities with a population greater than 5 000 and all counties and cities bordering the Gulf of Mexico cannot create any debt without levying a tax suffi cient to pav the interest and provide a sinking fund of at least 2 percent A contract longer than one year between local governments can be interpreted as a debt and that requires the tax assess ment and the sinking fund Prop 5 would allow those cities and counties to enter into interlocal contracts longer than one year with other cities or counties without meeting the tax and sinking fund require ments OUR VIEW: This amendment clears up a technicality caused by a constitutional interpretation that limits cities and counties from entering into beneficial multi year contracts even in situ ations that do not result in debts lhat clarification alone makes the proposal worthwhile, fhe amendment also would allow local governments to contract with one another to deliver services without levying a tax Prop ^ would enhance local governments' abilities to combine services, thus improving proficiency and cutting tax payers' costs. ihe New Braunfels Herald Zeitung endorses Proposition 5 and encourages readers to vote for the amendment Proposition 6; The constitutional amendment clarifying references to the permanent school fund, allowing the General Land Office to distribute revenue from permanent school fund land or other properties to the available school fund to provide additional funding for public education, and providing for an increase in the market value of the permanent school fund for the purpose of allowing increased distnbutions from the available school fund. fhe Permanent School Fund, which is about $24 billion, is controlled by the State Board of Education (SBOE). It helps fund public schools The amount spent yearly is specified by a constitutional formula I he state also owns land that is used to help pay for public education I he General Land Office (GLO) manages the land For years, earnings from the land went to the SBOE, for invest ment in the Permanent School Fund or sent directly to schools Recently, however, the GLO has been allowed to reinvest the earnings in land purchases instead of giving it to the SBOE Nothing mandates how much of the earnings GLO can invest and how much it has to give to the SBOE Given the budget shortfall's effect on education, lawmakers argued the GLO should transfer more of its funds to the SBOF to limit the impact of budget cuts on education. The GLO, meanwhile is concerned the Legislature could take the entire fund Proposition 6 puts limits on the use and continued reinvest ment of GLO earnings. The amendment also limits the amount the GLO could spend directly on education to no more than $300 million annually. That would keep its land investments from being drained to prop up the state's budget. OUR VIEW; Though we don't agree with the state being in the land business, the GLO generally does a good job reinvest mg funds from its lands, fhat said, the GLO hasn't been sending as much to the SBOE as it needs to — especially this year fexas' public schools need the money The amendment would provide it. In addition, the GLO needs limits on how the revenue from the land can be spent. fhe New Braunfels Herald-Zeitung endorses Proposition 6. and encourages readers to vote for the amendment • • • • • COMING WEDNESDAY; Our views on Propositions 7-10 ELECTION-RELATED LETTERS DEADUNE The dead^e for sutmiitting etaction-related letttrs is Wednesday, Nov. 1 The New Braunfels Herald-Zeitung will publish election-related letters through Sunday, Nov 6 No election-related letters will be published on Tuesday, Nov 8 LETTERS POUCY The Herald-Zeitung welcomes letters up to 250 words and guest columns up to 500 words Guest columns must be accompanied by a photo The New Braunfels Herald-Zeitung reserves the right to edit or reject submissions. All submissions must include an address and phone number so authorship can be confirmed. SUBMFT LETTERS • By e mail to: news<fl)herald-zeitung com • Online at: herald zeitung.com • By mail to: Letters to the Editor, Herald-Zeitung, PC Drawer 311328, New Braunfels, TX 78130 • By fax; (830) 606 3413 • In person: 707 Landa St, New Braunfels Mourdock running to dose a chapter Richard Mourdock. a Republican and Indiana s treasurer, wants to wrest his party's U S Senate nomina tion from a six term incum bent who has been a nation al figure since becoming mayor of this city in 1968 at age 35, who has averaged 69 percent of tfie vote in five re elections and wfio ran unopposed f)y a Democrat in 2006 When Richard Lugar, an Eagle Scout and Rhodes scholar, was a Naval ensign he briefed Dwight Lisenhow er fhat was 10 presidents ago, which may be a prob lem for Lugar in an era ot pandemic disparagement ot the political class So fviour dock will try to defeat Lugar with wounding praise Lugar IS a great cfiapter of Indiana history, but elections arc arguments about the future And the good luck of two of Lugar s colleagues is Lugar's misfortune and Mourdock's opportunity Some national conservative groups that relish intra patty fights had hoped to fund pn mary challenges to Utah Sen Orrin Hatch (another SIX termer) Maine Sen Olympia Snowe and Lugar But the strongest potential challenger to Hatcfi opted not to run and no strong challenger to Snowe has emerged, so the conserva tives' restless eneigies may be focused on Lugar It IS not clear why Con gressional Quarterly, assess GEORGE WILL COLUMNIST mg lt)0 votes over tfie eight Reagan years said Lugar sup ported the president 88 per cent of the time more than any otfiei senator Yes, Lugar voted for Barack Oba ma s two Supreme Court nominees, l)ut there is a con servative case to be made (conservatives make it when they tiave tfie [¡residency) for deference as the default position regarding presidents' judicial choices Yes Lugar voted for tfie New SIARf treaty but all living Republi can ex secretaries of state supp(jrted it including George Shult/ wfio served Ronald Reagan Sfiult/ has endoised Lugar ( Reagan relied on him ) Lugar has cast almost I 3,000 Senate votes, so eveiyone has something about which to complain, and almost every conserva tive [)articulaily dislikes one vote, that for fARP fhe political center - ot the nation and the GOP — has moved rightward since Lugar became a senator in 1977. and in 2010 the American Conservative (Inion rated Lugai the fiftfi most liberal Republican senator and the National Journal ranked him the lourtti This, even thougfi he 0p()0sed tfie stirri ulus, cap and trade (Indiana IS a coal state). Obamacare and Dodd Frank, he is prolife and fias voted for a balanced budget amendment to the Constitution eight times Mourdock however, earned the admiration of national conservatives, and of people who are partial to the rule of law, when he rightly, if unsuccessfully, contested in court the terms of Obama's Chrysler bailout Indiana's pension funds for teachers and state [jolice were among Chrysler's secuied creditors It had been settled law that such creditors are first in line to be paid in the event of bankruptcy But in the Chrysler case, secured creditors received less per dollar than an unsecuied creditor, the United Auto Workers Lugar s courtliness and Midwestern aversion to rhetorical flamboyance do not match tfiis moment of teveied politics So this race will take tfie temperature of a fundamentally temperate state tfiat Obama carried in 2008 by a water thin margin (28.391 votes) In what may be Lugar s priru i[)al vulnerability. some Hcjosiers think tliat with his many foreign policy interests - he has been, and could again be, cfiairman of tlie Foreign frelations Committee fie has neglected Indiana fhe day Mourdock announced his challenge, a large majority of the 92 f^epublican county chairmen endorsed him Lugar s campaign has more than 12 times as much cash on hand as Mour dock's, but money is not always very salient: It can buy an unknown candidate recognition, but Lugar is rec ognized by almost every Indianan It cannot buy intensity, wfiich often is dis proportionately important in intra party squabbles Mour dock will tap tea party passion. and in the May 8 pii mary. Rep Mike Pence, a favorite of conservatives, will be seeking, and probably winning the Republican nomination for governor, which will bring out conser vative voters susceptible to Mourdock's arguments Lugar IS godfatfier to a daughter of Gov Mitcfi Daniels wlio got tiis stait in politics working for f.layor Lugar and then as Sen Lugar's first chief of statf Daniels has endorsed Lugar. but speaks warmly of Mour dock Mourdock, 60 recently lan a marathon, perhaps under scoring one (small) differ ence with Lugar, who will be 80 by pninaiy day but still runs 5K races At tlie event announcing his candidacy, Mourdock asked for a round of applause for Lugar. wfio will be leplaced or awarcied a seventh term, respectfully ■ George Will is a Washington Post Writers Group columnist Email Will at georgewilKc^ashpost.com lODW l\ III.STOIi'i Ttm Associated Press Today IS Tuesday, Oct. 25, the 298th day ot 2011 There are 67 days left in the year Today's Highlight in History: On Oct. 25,1854, the "Charge of the Light Brigade" took place during the Crimean War as an English brigade of more than 600 men charged the Russian army despite hopeless odds and suffered heavy losses. On this date: In 1760, Britain's King George III succeeded his late grandfather, George II, In 1859, radical abolitionist John Brown went on trial in Charles Town, Va , for his failed raid at Harpers Ferry. (Brown was convicted and hanged ) In 1910, "America the Beautiful," with words by Katharine Lee Bates and music by Samuel A. Ward, was first published. In 1929, former Interior Secretary Albert B Fall was convicted in Washington, D C., of accepting a $100,000 bribe from oil tycoon Edward L. Doheny. (Fall was sentenced to a year in prison and fined $100,000, he ended up serving nine months.) In 1951, peace talks aimed at ending the Korean War resumed in Panmunjom after 63 days. In 1962, U.S. ambassador Adlai E. Stevenson presented photographic evidence of Soviet-built missile bases in Cuba to the U.N. Security Council In 1971, the U.N General Assembly voted to admit mainland China and expel Taiwan. In 1981, on the centenary of the birth of Pablo Picasso, the artist's painting "Guernica" was returned to Spam after spending four decades in the possession of the Museum of Modern Art in New York. I.KTIKKSTO rilK KDITOIJ Ban muzzles'trashy human behavior' Public gatherings and garbage are synonymous with one another in tfie 21st century As in centuries past, we've preached DO NOI HI TER. ' but then those folks back in tfie 20th century weren't as sophisticated as we^ I've ricjticed it s been a while since I've seen "Don t Mess With Texas' Very few signs are up these days along Texas highways. It's a sad state of affairs we fiad to put up signage at all, also common sense would seem to dictate tfiat one is lesponsible tor one's own garbage But, as we have proven over and over again, common sense seems to have left the nation and now we are forced to "Ban the Can" or contend with paying for someone else's trash 1 don't think we have a debate Until we humans learn we aie not the only little pebbles on the beach, and the rest ot us humans are forced to occupy this planet along with you we must find a way to muzzle your trashy human behavior Jolene Steuckrath Canyon Lake Brauntex a feather In community's cap Tfie treasure chest opened Saturday night — and it was filled with jewels. Our Brauntex Theatre, refurbished and refreshed, shown brightly displaying the exquisite results ot dedicated workers and donors. We have many reasons to be proud of our community. With even greater pride, we can add a first class facility that will attract high-quality performers. The "new" Brauntex is one more reason to be thankful we are living in Comal County star Caray Canyon Lake ;
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Max Hirsch
|Max Hirsch
|Fredericksburg, Texas Flag of the United States
|Birth date
|July 12, 1880
|Death date
|April 3, 1969
|Major racing wins, honours & awards
|Major racing wins
Kentucky Derby (1936, 1946, 1950)
Preakness Stakes (1936, 1946)
Belmont Stakes (1928, 1946, 1950, 1954)
|Racing awards
|Triple Crown Champion Trainer (1946)
|U.S. Racing Hall of Fame (1959)
|Significant horses
Assault, Bold Venture, Bridal Flower
But Why Not, High Gun, Gallant Bloom
Grey Lag, Middleground, Sarazen, Stymie, Vito
Maximilian J. "Max" Hirsch (July 12, 1880 - April 3, 1969) was an American Hall of Fame Thoroughbred racehorse trainer.
Born in Fredericksburg, Texas, Hirsch became one of the most successful trainers in Thoroughbred horse racing history. Hirsch conditioned horses for various owners including George W. Loft, Arthur B. Hancock, Morton L. Schwartz, Jane Greer, and Virginia Fair Vanderbilt but is best known for his work with the King Ranch Stable whom he joined in the 1930s and for whom he trained until his death in 1969.
Sarazen was the first Champion Max Hirsch trained and said his win over the French Champion Epinard in the third race of the 1924 International Specials was his greatest thrill in racing. A Hall of Fame inductee, Sarazen was the American Horse of the Year in 1924 and 1925.
Max Hirsch won the first of his four Belmont Stakes in 1928 with Vito. In 1936, he won the Kentucky Derby and Preakness Stakes with Bold Venture and in 1946 captured the U.S. Triple Crown with Bold Venture's son Assault. In 1950, Hirsch won his third Kentucky Derby with another son of Bold Venture, Middleground who also won the Belmont Stakes.
Max Hirsch was inducted into the National Museum of Racing and Hall of Fame in 1959. His son, Buddy, followed in his footsteps and too was voted into the U.S. Racing Hall of Fame.
- Bowen, Edward L. Masters of the Turf: Ten Trainers Who Dominated Horse Racing's Golden Age (2007) Eclipse Press (ISBN 978-1581501490)
|The above article was imported from Wikipedia.org on 08/24/2010 and may be a modified version of the Original Wikipedia article. See this article's history page for a list of revisions which may have occurred after import. This article is displayed here courtesy of the Wikimedia Foundation, Wikipedia, and its authors/contributors in compliance with the Wikimedia Terms of Use Agreement. This article was imported and is licensed under the terms of the Creative Commons Attribution/Share-Alike License 3.0 (CC-BY-SA). Clicking on photos, videos, or drawings in this article will display copyright and license information for that non-text media where available.


text:
Two approaches for enhancing the hydrogenation properties of palladium: Metal nanoparticle and thin film over layers
- First Online:
DOI: 10.1007/s12039-008-0087-z
- Cite this article as:
- Khanuja, M., Mehta, B.R. & Shivaprasad, S.M. J Chem Sci (2008) 120: 573. doi:10.1007/s12039-008-0087-z
- Citations
- 105 Downloads
In the present study, two approaches have been used for enhancing the hydrogenation properties of Pd. In the first approach, metal thin film (Cu, Ag) has been deposited over Pd and hydrogenation properties of bimetal layer Cu (thin film)/Pd(thin film) and Ag(thin film)/Pd(thin film) have been studied. In the second approach, Ag metal nanoparticles have been deposited over Pd and hydrogenation properties of Ag (nanoparticle)/Pd (thin film) have been studied and compared with Ag(thin film)/Pd(thin film) bimetal layer system. The observed hydrogen sensing response is stable and reversible over a number of hydrogen loading and deloading cycles in both bimetallic systems. Alloying between Ag and Pd is suppressed in case of Ag(nanoparticle)/Pd(thin film) bimetallic layer on annealing as compared to Ag (thin film)/Pd(thin film).


text:
ADB is helping Mongolia improve primary health care throughout the country. The project will strengthen the development and management of the health sector; improve health facilities, service delivery, financing, and insurance; and enhance human resources development. Health service improvements will be targeted at less developed areas with significant populations of poor and disadvantaged people.
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Project Data Sheets (PDS) contain summary information on the project or program. Because the PDS is a work in progress, some information may not be included in its initial version but will be added as it becomes available. Information about proposed projects is tentative and indicative.
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The Accountability Mechanism provides a forum where people adversely affected by ADB-assisted projects can voice and seek solutions to their problems and report alleged noncompliance of ADB's operational policies and procedures.
In preparing any country program or strategy, financing any project, or by making any designation of, or reference to, a particular territory or geographic area in this document, the Asian Development Bank does not intend to make any judgments as to the legal or other status of any territory or area.


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Thank you once again Dogster HQ for choosing us as a daily diary pick. It's our third time with this honor, and we can only hope that people reading it will gain comfort in knowing someone out there understands their grief if and when they lose a beloved pet.
*hugs* to you all
ps - if you are grieving over a lost one, please join the Rainbow Bridge Angel Babies dogster group. They helped me through a very dark time and they'll help you too.
RBAB link
Today is Preshy's one year bridge crossing anniversary. There have been lots of tears shed leading up to today, all the memories of what the last few days were like before have been flooding my mind. I'm not really sure how to feel. We're still so sad without her, but at the same time we want to celebrate and remember her life. She was such a happy girl, loved doing therapy dog work, and truly cared about everyone she met.
I adopted Precious when she was 8 years old. I only had 4 years with her, but they were an amazing 4 years that I am so grateful for. I hope more people give senior dogs a chance to live out their last few years safely and happily. Even though your time together will be limited, it is so worth it.
Thinking of you today and always, we miss you and love you dear Precious.
Our family is so happy to be picked once again for a daily diary pick of the day. We truly hope our experience will inspire others to adopt a senior baby, and give them the love and attention they deserve in their remaining years. For those of you unfortunate enough to lose a loved one, please visit the Rainbow Bridge Angel Babies group. I don't think I would have survived this experience without them.
And thank you for all the warm wishes and heart felt messages today. I know we've been missing for a while, but we think about you every day. You'll be seeing more of us again soon.
Copyright © I-5 Publishing, LLC. All rights reserved.
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Juggling Hats
I have often found myself wearing a few different hats when it comes to politics. My personal views are libertarian in nature. I really do believe in both the non-aggression principle and in property rights. I also support the Constitution even when there are aspects of it which are anti-libertarian. The term "Tenther" also applies to me as well.
Remember, the Constitution doesn't grant us our rights, but acknowledges the natural rights we have which predates it. There are also instances where the Constitution does legally violate our rights. I would argue that the eminent domain clause of the Constitution is such a case. The government shouldn't be able to force me off my land unless I am willing to sell it. Some will argue that sometimes public need justifies it. Well, I would suggest reviewing the Kelo v. City of New London case in which transferred land from individuals to another private group. This shows how granting power to a government entity will eventually abuse the said power.Details


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Through the Hemodialysis Patient Care Technician program, you learn how to provide dialysis patient care under the supervision of a Registered Nurse.
It's a complete curriculum, designed with the continuing guidance of industry professionals, and taught by hemodialysis practitioners who share their insights and experience. Through classwork, hands-on training in the lab, and a clinical externship, you learn how to assess patient vital signs, prepare and use the dialysis machine, monitor patient medications and treatment, and other practices essential to your work.
You'll be fully prepared with the knowledge and skills you need to sit for the national exam for certification as a Hemodialysis Technician (CHT), and begin a rewarding career.


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HONOURING THE FALLEN - Friday, 8 November 2013
Poppies will be dropped to commemorate local servicemen and women who have lost their lives in recent conflicts as part of the Armistice Day Commemoration at the Royal Armouries, Leeds, on Monday, November 11.
Led by The Reverend Gordon Warren, Chaplain of the Royal Navy, the Remembrance service runs from 10.45am to 11.30am and is open to the public. The order of service includes Bible readings from Psalm 45 and John, Chapter 15, verses 9 to 17, plus poetry readings and an excerpt from Lady Cynthia Asquith's diary.
Children's voices will add extra poignancy, with an appearance by a school choir from Allerton Primary School in Bradford.
Poppies will be released after the sound of The Last Post and before the two minutes' silence at 11am.
Other Remembrance features include:
Peace Flame – Royal Armouries is the only national museum to host this during November and the flame will burn, undimmed, throughout the month.
Poppy Sculpture – Museum visitors and passers-by can view a brand new sculpture honouring the one million UK and Commonwealth servicemen who died during the First World War. The sculpture is part of an exciting new venture, organised by The Royal British Legion and international award-winning artist designer Mark Humphrey. From next year, visitors will be able to donate and post poppies in memory of loved ones, as part of the First World War centenary commemorations.
Trench Warfare Talk – Royal Amouries' Visitor Experience Team will give a moving insight into the horrors of life on the Western Front daily throughout November.
For more information and the latest news about the Royal Armouries:
Royal Armouries website
Royal Armouries newsletter
Follow us on Twitter
Find us on Facebook
Notes to editors
Royal Armouries is home to the national collection of arms and armour, including artillery, and has three British sites – at the Tower of London; a purpose-built museum in Leeds; and at Fort Nelson in Hampshire.
- Royal Armouries is the national museum of arms and armour and has sites in Leeds, HM Tower of London, Fort Nelson and Louisville, Kentucky. It is the first British national museum to open a permanent presence in another country
- Admission to the museum is free. However, there may be a small charge for some special events.
- Open all year daily, 10am-5pm. Closed 24-25 December
- Information Line: 0113 220 1999
- Website: www.royalarmouries.org
- The Royal Armouries Museum should not be confused with Royal Armouries International plc, the private sector corporate hospitality business.
The Royal Armouries Museum in Leeds houses a major part of the national collection of arms and armour, and displays over 8,500 objects throughout its five themed galleries.


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Pack less. Be more.
@arttyszkaLocale: Minnesota
SOLD – I purchased the Skyscape Trekker from SMD 2 years ago, used it literally a couple times and decided I liked the design so much I purchased the SkyscpaeX for the weight savings, so this has just been collecting dust in my gear room and it's time to find it a good home.
The tent was seam sealed by SMD ($30) and also includes the "Porch" that doesn't seem to be available anymore, I think the porch was about $30 as well. The Trekker is in like-new condition, I take care of my gear. Without the Porch, the tent comes in at 24.6 ounces with all guy lines and stuff sack, on my scale.
Email me with any questions at art.tyszka at iCloud dot com.
SOLD – All in, this package was $285 new, I'll ship it CONUS for $175, PayPal gift.
@tagiamLocale: PHX
email on the way.
@arttyszkaLocale: Minnesota
Sold. Terrance, thanks.
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text: tqx_clark_c81-05-516 c81-05-516 clark tqx yes Docket sheet for Bank Building and Equipment Corp. of America case (No. 516) Clark, Tom C. (Tom Campbell), 1899-1977 Discrimination in public accommodations--Georgia--Atlanta Heart of Atlanta Motel--Trials, litigation, etc. Discrimination in public accommodations--Law and legislation--United States--Cases United States. Supreme Court--History Austin, Tex. : Tarlton Law Library Tarlton Law Library Papers of Justice Tom C. Clark Collection (Tarlton Law Library) 2005 Dockets http://tarlton.law.utexas.edu/clark/view_doc.php?id=c81-05-516 Box C81, folder 5, item 516, 1e. Supreme Court materials: Docket sheets, 1949-1967, Tom C. Clark Papers, Tarlton Law Library, University of Texas at Austin Forms part of online collection: Papers of Justice Tom C. Clark 1964-12-07 Atlanta (Ga.) Fulton County (Ga.) United States Cite as: Tom C. Clark Papers, Tarlton Law Library, University of Texas at Austin 20090616 145806


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You missed it This great deal for CrossFit James Street is over. But don't despair, we've got more great deals every day.
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Recipes >
Turkey and Sausage Gumbo
- 1 meaty turkey carcass
- 3 cups pulled turkey meat
- Stock
- 2 quarts water
- 2 celery stalks with leaves, coarsely chopped
- 1 large onion, coarsely chopped
- 3 carrots, coarsely chopped
- 1 teaspoon crushed peppercorns
- 2 bay leaves, crushed
- Soup
- 3 slices bacon, diced
- 1 large green pepper, chopped
- 1 large onion, chopped
- 2 large garlic cloves, finely chopped
- 1/2 cup diced celery
- 3 cups chopped canned tomatoes
- 1 1/2 cups sliced okra
- 3 1/2 cups frozen corn kernels
- 1 pound smoked sausage, cut into 1/4-inch slices
- 1 teaspoon dried thyme
- 1/4 cup chopped parsley
- 3 teaspoons hot sauce
- Salt
- 1 tablespoon filé powder
Looking for an easy way to use your Thanksgiving leftovers? Try this great gumbo for a refreshing change.
Why Try? You'll really have a winner with this one--goes over especially well with those who have extra hearty appetites.
Foodie Byte: Serve with hot cooked rice or crusty French bread.
- To make the stock, combine all ingredients in a kettle over medium heat and bring to a boil. Reduce the heat and simmer, loosely covered, until the meat falls from the bone, about 2 hours. Strain the stock and discard the vegetables. Cut the meat from the bones in chunks, and reserve stock and meat separately.
- In the bottom of a Dutch oven or heavy kettle, sauté the bacon, green pepper, onion, garlic, and celery until the vegetables are tender, about 10 minutes. Remove any excess bacon fat.
- Add the reserved stock, tomatoes, okra, corn, sausage, thyme, and parsley and bring to a boil. Reduce heat and simmer about 20 minutes, or until the okra is tender. Stir in the hot sauce and the reserved turkey meat. Season with salt to taste, remove from heat, let stand for 1 hour to allow flavors to blend.
- Reheat the soup to just below simmering and stir in filé powder. Do not allow to boil after the filé powder is added. Serve warm.
Nutritional Information
Calories 284, Carbohydrates 20g, Cholesterol 73mg, Fat 11g, Fat Calories 102, Fiber 3g, Protein 26g, Saturated Fat 4g, Sodium 956mg. Daily Values: Calcium 50.95mg 5%, Phos 191.59mg 19%, Copper 0.08mg 4%, Zinc 1.67mg 11%, Panto 0.55mg 6%, Biotin 0.53mcg 177%, Iodine 0.45mcg 0%, Magnesium 37.31mg 9%, Iron 2.5mg 14%, Vitamin B6 22%, Vitamin C 63%, Vitamin B12 4%, Vitamin D 1%, Vit E-a-Toco 1%, Vitamin A 22%. Percent Daily Values are based on a 2,000 calorie diet.


text: That's the only reason though. Before that story broke...everybody on this forum (and most other forums) thought he was clean. Now it is mentioned that his trainer "might" have something to do with it, and Pujols is guilty by association. You might as well add in Mike Sweeney as well, because Pujols and Sweeney had the same trainer, and trained together.Originally Posted by Jpup


text: Google When is a map more than a map? Animation created for a campaign to promote Google Maps for Business to the Transport and logistics sector. Found In Campaign Content Strategy Google You might also like When is a map more than a map? Search. Find. Stop. The New Banking Landscape Wealth Management Microfinance Vital Statistics for B2B Marketers Two


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Create a free account to check out faster, store multiple shipping addresses, view and track your orders in your account, and much more.
Please enter your password to continue.
I received two packages of this tea in my February birchbox. The flavors were Paris and Vanilla Grapefruit. As someone who drinks a lot of tea and different brands of it, I found this to be some of the best tea I've had yet. After using both samples, I hopped online and ordered two boxes in different flavors to try. I highly recommend this tea to all tea drinkers!!5


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Early this month an Australian Institute of Company Directors survey suggested that directors' commercial decision making, even their willingness to serve, was diminished by personal liability concerns. The reaction has been that if directors can't stand the heat, they should depart the kitchen. This suggests, as one commentator put it, "an expectational gap between what people think directors do and what they actually do". This gap matters, because investors with wrong expectations will have a wrong perception of risk.
Legislation is partly to blame– making directors personally liable for failing to anticipate things that can go wrong in the day to day operations of a company in areas like occupational health and safety and environmental protection.
Imposing liability for lack of prescience tends to attract what the Americans call "hindsight bias", the tendency for people with knowledge of an outcome to exaggerate the extent to which they believe it should have been predicted.
The Corporations Act and court decisions on its application in particular circumstances have taken a more sensible approach. The main duty, to exercise care and diligence, is satisfied if directors make judgments in good faith, do not have a material personal interest in the subject matter, inform themselves, and rationally believe that their judgements are in the company's best interests. They are taken to have a rational belief unless no reasonable person in their position could possibly have that belief. The centrality of this "business judgment rule" was underscored in the decision in favour of
Instances where public company directors have been found liable for dereliction of duty are rare, and will be rarer following the One.Tel decision. That's because public company directors generally are fundamentally honest and competent, as the law clearly requires, and the Corporations Act accepts that their good-faith judgments should not be second guessed. In business, risks must be taken and loss could result. Yet the calls for directors' scalps after every major company failure continue.
A degree of spleen venting by investors via the media is understandable and arguably appropriate. However, where that leads to a reaction by ASIC, the complexion changes dramatically. Directors "under investigation by ASIC" can be under that cloud for years, and are required by law to remain utterly silent about it. In the absence of obvious misfeasance (rare) all that is left is the possibility of finding a wrinkle in the company's paperwork that might be taken (with the full benefit of hindsight) to have predicted the company's demise but which was overlooked. As time goes on, media pressure on ASIC to "do something" reaches a peak, then it subsides and the inquiry peters out.
Or ASIC hands over documents and transcripts to the company's receiver or liquidator to see what they can make of them. ASIC rarely, if ever, comes out and says it has found nothing wrong. But the directors' reputations can never properly recover. Surely if allegations can be made, they should be made, and made promptly, so that the accused can respond. More fundamentally though, ASIC's drawn out investigation process has two deleterious effects. If every major company collapse warrants years of investigation, it must be because the directors can generally be assumed to be in some way legally responsible for failing to prevent it. Second, it suggests that ASIC is ineffective.
ASIC should investigate every major corporate collapse as a matter of course, but it should move quickly. If there is no clear evidence of any wrongdoing, the prompt investigation should conclude with a clear public statement that ASIC has found nothing untoward.
That may result in investor and media criticism, but over time the expectation gap will be narrowed and investment risk will be better understood. And there will always be occasions for ASIC to aim its potent firepower at directors who are dishonest or demonstrably incompetent.
The Australian Financial Review


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Informa Life Sciences Exhibitions, in charge of the healthcare portfolio within Informa's Global Exhibitions division, organises 26 exhibitions yearly covering the Middle East, Africa, Asia, Europe and US market, connecting more than 150,000 healthcare professionals worldwide and offering a range of marketing solutions for companies involved with the healthcare sector. Over 100 congresses take place in parallel with the exhibitions.
Informa Life Sciences Exhibitions have a number of digital and print offerings, publishing a variety of healthcare magazines and medical directories, with a readership of top decision-makers in the MENA region's healthcare industry. Additionally, Omnia, the global medical directory, is a unique digital platform providing company and product information 365 days of the year, allowing users to connect with exhibitors and products in one simple click.


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How to Dress for a Funeral | eHow.com
It's inevitable, at some point in your life you will have to attend a . It might be for a family member, friend, or coworker but no matter the or how
00:00:00 / 00:00:00
Nordstrom Black Funeral Dress < Designer - christonium.com
A black dress is so very appropriate for any religious or graveside service. It doesn't really matter how old you are, but for any woman who wants to
How To Dress For a Funeral « Fashion By Jenni
Yesterday my mother and I went shopping for a dress. I announced two days ago that there had been a tragedy in the family and gave the reason I
What you need to know about dress and etiquette
Knowing what dress is appropriate and knowing a little about etiquette when attending a or a cremation can make a huge difference.
Mens Funeral Dress Code – What to Wear to a Funeral
What is the appropriate attire when attending a ? Learn about the dress code for a .
How to Dress for a Funeral – Yahoo! Voices – voices.yahoo.com
Funerals are often extremely traumatic times for people. They are times when you must deal with some strong emotions and make some tough decisions.
Proper Funeral Attire – Buzzle Web Portal: Intelligent Life on the Web
It's difficult to find the appropriate sympathy sayings and it's even more difficult to find the right set of clothes for attending a .
Funeral Clothing – Acceptable Attire for Funerals
Funeral Clothing. Information and tips on what to wear to a including appropriate attire and what you shouldn't wear to a .
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Big Apple Games At Beach Channel High School
The Big Apple Games is a free summer recreational program at Beach Channel High School that will give schoolchildren the opportunity to take part in a number of recreational activities during the summer months.
The New York City Department of Education and the Public School Athletic League will sponsor the free program, which began on July 9 and ends on August 17.
The program is open to students from the ages of 13 through 19 years old.
The Big Apple Games will operate the program Monday through Thursday from 1 p.m. to 5 p.m. and an evening session beginning at 6 p.m. to 9 p.m. Students can get involved in the various sports that will be offered, such as wrestling, volleyball, basketball, softball, floor hockey, gymnastics and others.
The program will also contain a game room, which will include board games, table tennis and arts and crafts.
A high school football instruction camp will be offered that will teach football skills, weightlifting, conditioning and agility training.
The program will begin from 5:30 p.m. to 8:30 p.m. Players in grades 9-12 who are currently playing high school football and live on the peninsula are invited to attend.


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Center Ramblas
Real Reviews
Real reviews from fellow travellers
These are trusted reviews from guests who have actually stayed here. We hope you find them helpful.
Note: we only give a property a rating once it has received a minimum of 3 reviews.
- Page:1/1
- " Internet is very bad and just next to reception. We stayed on the 5th floor. So it was very uncomfortable. Breakfast is very poor. Location is very good. The bunk bed was moving steadily! "
- 06 Oct 2016 Eszter
- " Perfect hostel - as Barcelona. It worths. "
- 25 Aug 2016 Anonymous Hungary
- " I stayed at the room which was on 4th floor and their elevator was not working most of the time! I needed to walk with my heavy luggage when I first visited. The room I stayed was next to the elevator, the elevator started working busy from 6am, which made big noise waking me up from 6am and until 12am. While I wanted to use the elevator during the day, it's out of work, I dont understand how it happened?! "
- 11 Jun 2016 Anonymous Hong Kong
- " One of the best hostels i went to, located right in the heart of Barcelona. Tons of people to meet and places to visit nearby, ask for a map. the staff is super cool. Highly recommend the pubcrawls at night! becareful with pickpockets at night while walking through Ramblas. "
- 10 Jun 2016 Anonymous Peru
- " There're only 2 showers each floor while they had more than 40 people staying each floor. The showers are dirty! And male visitors always blocked into the female bathroom, I dont understand what cultural behaviour was that? It's really unsafe! "
- 08 Jun 2016 Anonymous Hong Kong
- " People who stayed in the same room were bad, they woke you up at 1ish am saying "nice to meet you". It's so annoying! And they allowed the people screaming in the corridor which made big noise at late night and early morning. Beds are dirty and much marks on it, even the bed sheets dont look very clean. "
- 07 Jun 2016 Anonymous Hong Kong
- " After reading some of the previous reviews, I wasn't expecting much. However, we had a mix-up with the beds involving another roommate (this was a 10-bed room), and the staff member on duty refused to help us figure out the problem. We ended up resolving it ourselves, but not without some upset. Additionally, the bunk beds are quite old and there's no way you can't shake and creak the entire bed when climbing up to the top bunk. Breakfast is basically cereal, a muffin, and bad coffee. "
- 27 May 2016 Julia USA