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Friday, 1 February 2013
Valentine's Bouquet of Roses Cake
If we're being honest, Valentine's day tends to pass me by a bit. As a teenager, I remember getting excited about it, only to face the realisation that it was going to be yet another year without receiving a card (although I gave a few). Heck, it was yet another year without even the merest sniff of a boyfriend, so I suppose fair's fair. But it is hard to stand by and watch others gleefully receiving when you are not.
When Mike and I began going out during our uni days, I eagerly anticipated my first Valentine's card. I could not believe how upset I felt when, after handing over a lovingly and painstakingly selected card - just the right hint of intimacy but with a certain sangfroid - and gift, it slowly dawned on me that Mike was standing there looking pained. He had forgotten. He tried to pass it off, as did I, but it was too late. I had a severe case of wobbly lip and was stifling tears. A hastily drawn heart on a piece of card was proffered. It wasn't bells and whistles, but it was good.
As the years have gone by (over 25 of them now) I've realised that I have something far more valuable than a card on one day of the year. It's the little things he does for me every day that really matter. Like still laughing at my really poor jokes. Like putting up with my addiction to Amazon and cookbooks (and handbags). Like queueing for hours at Ninian Park to get FA Cup tickets (OK, maybe not every day for that one). Like making me a tea for breakfast and a coffee after a hard day. Like bravely attempting some d-i-y for one of my whims. Like getting up to Sam during the night. So many things I can't possibly list them all here. He may not be perfect, but he's all I want.
So this cake is for Mike.
That being the case, it's chocolate. Rich, dense chocolate.
Covered in rich, red buttercream, iced to resemble roses.
I wanted to bake a deep, dark chocolate cake to go with the red. The recipe I used is adapted from one in Annie Rigg's 'Make, Bake and Celebrate'. It was fairly straightforward and produced a lovely, moist cake.
Valentine's Bouquet of Roses Chocolate Cake
Ingredients (makes one 23cm / 9 inch cake)
125g 70% chocolate
300g plain flour
25g cocoa powder
2 tspn bicarbonate of soda
1/2 tspn baking powder
pinch of salt
125g softened unsalted butter
200g light brown soft sugar
200g golden caster sugar
4 large eggs, beaten
2 tspn vanilla extract
225ml room temperature sour cream
175ml just boiled water
For the buttercream
375g softened unsalted butter
450g icing sugar
2 tbspn milk
red and violet food colouring - I used Wilton's gel pastes
Preheat the oven to 160 Fan / 180 conventional / 350 F / Gas 4. Grease and baseline two 23cm / 9 inch sandwich tins.
Break the chocolate into chunks and melt it in a bowl set over a saucepan of barely simmering water. Put on one side and allow to cool.
Sift together the flour, cocoa, bicarb, baking powder and salt.
Put the butter and both sugars in the bowl of a stand mixer. Using the paddle, beat for 3 - 4 minutes until light and fluffy. Gradually add the egg, and mix until smooth (scraping down the bowl if necessary). Add the vanilla and chocolate.
Add a third of the flour mix and mix until just incorporated, then half of the sour cream. Continue with a third flour, half cream, third flour. Mix until smooth. Very slowly and carefully, add the boiling water, and mix in.
Bake in the centre of the oven for about 25 minutes until a skewer comes out clean. Mine were a little big to sit next to each other on the same shelf, so I had one one the middle shelf and one on the bottom. I swapped them after 15 minutes, but the one from the bottom shelf was still very runny in the centre and needed an extra five minutes (making 30 in total for that cake) after the other one had cooked.
Place tins onto a wire rack, cool in the tin for a few minutes before turning out onto the rack to cool completely.
When the cakes are totally cool you can decorate them. I made up the buttercream by mixing the butter and sugar, and adding a little milk until I got a consistency I liked. You may need a little more or less icing sugar than I've quoted, but see how you go. I then added some food colouring. It took a lot to get the deep rose red colour I wanted (about 2 tspns), and I even added just a little violet to help deepen the colour (just a toothpick worth).
I used a little of the icing to crumb coat the cake, and then let it chill in the fridge for 20 minutes to firm up.
To get the roses, I used a Wilton 1M tip to pipe. You start in the centre and swirl outwards, this creates the little folds that look like rose petals. You just fill in any gaps with a little more buttercream.
Finally, I should warn you though, that following one of the steps in the original recipe left me a bit concerned. The final step in mixing the sponge is to add some just boiled water. Supposedly with the mixer still running, albeit slowly. I can see why - as it makes the mixture lovely and smooth, and adds moisture to the cake. But, and it's a big but, I found it really dangerous, as by this point my mixer was pretty full, and so adding the just boiled water made it splash everywhere. Over the counter and over me. This is something that you can overcome by gently folding it in first, and then turning the mixer on. But you do need to be careful. It's not something I would have wanted to do if Sam had been running around me.
Anyway, the finished cake is definitely worth it.
So an early Happy Valentine's Day, baby.
Loves ya lots.
I'm entering this into this month's 'Achy Cakey Heart' Calendar Cakes challenge, which is being organised by Laura at LauraLovesCakes and Rachel at Dollybakes. This month's host is Rachel, and the roundup of Valentine's themed bakes will appear on her blog at the end of the month.
22 comments:
Simply fabulous! Beautiful piping work and it looks yummy too.ReplyDelete
This is really nicely decorated and is perfect for Valentine's day!ReplyDeleteReplies
Thanks Caroline - glad you like it! :)Delete
it's absolutely bloody AMAZING!!!!!!!!!!!!!!... I cannot believe I can't have a slice of it right now... it is simply stunning!ReplyDeleteReplies
Aww Dom, I'm blushing as red as the buttercream. So glad you like it! :) xDelete
This cake is absolutely fabulous and yes it is easy to forget the little things that make a relationship special.ReplyDeleteReplies
Thanks Angela - I agree, it's not just one day but 364 others too! :)Delete
stunning susie! Such a pretty colour as well, I always wondered about the gaps....where there many or did the fully formed roses cover most of it and did they stand out do think I hadn't spotted them until you did the close up.ReplyDelete
ps was it too sweet in the end with all the butter cream?
Wow...you were seriously quick off the mark this month! This cake is gorgeous, your roses are beautifully piped and the cake inside looks so lovely and moist! Thanks for entering it into Calendar Cakes! :-)ReplyDelete
WOW Susie this is absolutely stunning! The colour of the buttercream is just perfect.ReplyDelete
Mike sounds lovely, and a lot like my Mark. Who puts up with my Amazon and cook book addiction!
What a beautifully iced cake and it really does resemble red roses. You've expressed your valentines sentiments really well too. In my experience, the really romantic ones are usually the cads. CT doesn't do Valentines Day, but he does lots of other things that are far more important.ReplyDelete
Couldn't agree more - Mr CC aren't bothering with cards anymore. It should be valentine's every day...not just cos a date's arrived on the calendar.ReplyDelete
Your cake is lovely and beats any commercial card or gift!
Beautiful cake, looks stunning.ReplyDelete
I've just found your site via you link on Dolly Bakes. Will grab a cuppa and have a browse.
tremendous !Yummy !ReplyDelete
Susie, this is a beaut! I love the vibrancy and colour of the frosting too and your roses are piped on so great!ReplyDelete
it's funny how thigns that seemed really bad at a time turn out to be a good laugh years later. anyway, came across your blog while searching for roses cake and WOAH that cake is a stunner. lucky guy!ReplyDelete
Wow, a stunning cake! And lovely to hear about your other half, it's always nice to hear about the relationships behind the lovely cakes and bakes I see on the blogs I read!ReplyDelete
This cake looks beautiful - I love the rich colour of the icing. Sounds gorgeous!ReplyDelete
That rose icing - truly magnificent!ReplyDelete
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As hundreds of people marched through downtown in the pouring rain for the pride parade on Saturday, one man was on a mission to bring attention to a very sensitive issue.
Among all the glitter and rainbows, Glenn Callender was out to show his foreskin pride in the hopes of bringing awareness to the damage caused by circumcision and the skewed right to genital integrity.
As the founder of the Canadian Foreskin awareness project, Callender said their main goal is to ban circumcision in children until they're 18 years old.
"If you're an adult, you have a right to modify your body as you see fit but nobody has the right to deprive you the right of your own body parts based on their beliefs, aesthetic preferences or any reason," Callender said.
Callender said there's an unequal application of a person's right to their own body because people view male circumcision differently than female circumcision.
Under Canadian law, girls under 18 cannot have their genitals tampered with, even for religious reasons.
"We are not accustomed to female circumcision because it's not in the bible. It's easy for us to look at that and say that's wrong but 'oh taking a knife to a boy's penis? That's just good parenting,'" Callender said. "If a girl has that right then so do boys and intersex children."
In South Africa it is illegal to circumcise a boy under the age of 16 without religious or medical reasons.
Though considered normal procedure in most of North America, circumcision has become a hot button issue in Europe with states such as Finland and Denmark considering legislation to limit or ban circumcision of minors.
Callender predicts the world will see the first state to ban circumcision in minors within a year or two.
Though his group's message mirrors pride week's of sexual freedom, self-determination and human rights, Callender said his group receives mixed reactions at pride events.
"Most of the time when you see a pride parade you'll agree with most of the messages because the homophobes don't come. So foreskin pride is in the unusual position of actually confronting the sexual prejudice of queer people," he said, adding he's received everything from thankful handshakes to booing. "It's very difficult for a man to admit that there's any short coming in his penis."
For now, Callender is working to generate awareness by attending as many pride events as he can. He'll be in Toronto next week for World Pride, then to pride weeks in Victoria B.C., Ottawa, Montreal, Calgary and Atlanta.


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I guess this is why Harbaugh deflected questions about Ray playing. He wanted to make the statement in his own way.
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I guess this is why Harbaugh deflected questions about Ray playing. He wanted to make the statement in his own way.
Wow I'm so glad I got tickets to the game!
Good to see him going out on his own terms. Rare luxury for NFL players.
Man, knew it was coming but WOW doesn't seem real
i remember the special that they had with all of his prior coaches talking about Ray a few years ago, how Marvin Lewis would always pull his guys over to the side line to watch Rays dance. The away teams would always look forward to watching that as much as the fans did. Will be missed from the whole league.
he will probably re-appear in two years as coach.
If - When we win the superbowl this year Reed will probably retire as well after the season.
Just came to me: I was at his first home game and I'll be at his last. (And about 100 in between) wow.
Nothing against #Chuckstrong (for obvious reasons), but the emotional pendulum just swung back into our favor big time... Sunday is going to be an unreal day.. especially if Ray actually plays.
I think we all knew it would happen but man, it's really to tough to actually know that it's going to happen. This will mark the end of the 1st age of the Ravens. It will never be the same again
Not many NFL players get their number retired by their teams but you have to think nobody will ever wear 52 in Baltimore ever again.


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Practice 1. The board (and investment committee and staff, if any) of a foundation should understand and fulfill their respective fiduciary responsibilities and duties under applicable law and the governing documents of the foundation and stay informed regarding any relevant changes in law, duties, or responsibilities.
Practice Tips:
- Ask an outside expert, such as a lawyer or investment professional, to periodically discuss with the persons responsible for investment management their respective duties and responsibilities
- Attend conferences or take advantage of other continuing education opportunities to stay informed.
- Review articles or other sources of information relating to the appropriate oversight of investment management and changes in law. Each year, all board members should review the foundation's articles of incorporation, bylaws, investment policy statement , and, the committee's charter if it has an investment committee.
- Educate new board members, staff, or investment committee members by providing and explaining the foundation's organizing documents.
- Council Governance Documents [1]
- Changes in Intermediate Sanctions for Donor Advised Funds and Sponsoring Organizations [2]
- Intermediate Sanctions Regulations Checklist [3]
- Prohibited Benefits from Donor Advised Funds [4]
- Changes in Intermediate Sanctions for Supporting Organizations [5]
- Excess Business Holdings [6]
- Association of Small Foundations, Principles of Foundation Investment Management, Griswold, John S. (Commonfund Institute) (available from www.smallfoundations.org [7] ).
- Cambridge Associates, Endowment Management: Key Questions [8] (2008),
- Commonfund Institute,Principles of Nonprofit Investment Management [9]
- CFA Institute, Investment Management Code of Conduct for Endowments, Foundations and Charitable Organizations [10]
- Fiduciary 360 [11]
- Guidelines for Advisors on the Uniform Prudent Investor Act [12]
- Vanguard Fiduciary Toolkit [13]
Practice 2. The foundation should adopt an Investment Policy Statement that contains a clear description of the roles of the board, an investment committee, if any, staff, and outside investment management service providers. The Investment Policy Statement should also include the foundation's investment objectives and strategy for achieving those objectives, the risks associated with the strategies, liquidity needs, asset allocation approach, permitted investments, and diversification among asset classes. The foundation should periodically, but at least annually, review its Investment Policy Statement to ensure compliance and determine whether or not any changes are warranted.
Practice Tips:
- Retain an expert to assist in the development or review of a suitable investment policy statement.
- If the foundation has sufficient experience or expertise without engaging outside experts, use available resources, including model policy statements, to develop an investment policy statement tailored to the foundations particular needs. Include the following elements: the foundation's objectives and strategy, how it is organized to address investment matters, asset allocation for the portfolio, diversification strategy, risk tolerance, delegation of decision making authority, permitted investments, and excluded investments. Consider including the due diligence process for selecting, monitoring and terminating service providers or managers.
- Address the liquidity needs of the foundation, ideally with a liquidity policy that is relevant to the circumstances of the foundation and its investment philosophy.
- Schedule time at one board meeting each year to review the investment policy statement and keep minutes regarding the discussion. Plan for this review generally at the same time each year and develop a specific process for it.
- Consider whether to adopt a policy of pursuing active ownership strategies such as proxy voting, filing shareholder proposals, and other forms of engagement with corporations represented in its investment portfolio. Some foundations believe active ownership is a critical part of the foundation's stewardship of its assets. Foundations that have adopted policies and procedures to guide this strategy may target selected areas, such as improving corporate governance, transparency, shareholder rights, executive compensation, or particular program areas.
- Council governance documents: investments [14]
- CFA Institute, Elements of an Investment Policy Statement for Institutional Investors [15]
- Ford Foundation, Charter for Proxy Committee [16]
- Hartford Foundation for Public Giving, Proxy Voting Policy Statement (need hyperlink)
- Rockefeller Brothers Fund, Investment Policy Statement [17]
- Guidelines for Voting Proxies [18],
- Nathan Cummings Foundation, Shareholder Activity Guidelines [19]
- Nathan Cummings Foundation, Proxy Voting Guidelines [20]
- Vanguard Sample Investment Policy Statement [13]
Examples of Proxy Voting Advisory Services:
- Risk Metrics Group [21] (ISS)
- MoxyVote [22]
Practice 3. The foundation's board, consistent with state law, should determine whether to delegate primary oversight of the investment function to an investment committee which has the requisite experience and knowledge to provide prudent oversight; if the board elects not to constitute such a committee it must ensure that the board has the necessary experience and knowledge to perform the oversight function.
Practice Tips:
- Assess, with the help, if necessary, of a financial management expert, whether the foundation has the persons and resources to prudently manage its investment portfolio. Consider in this regard the practices of other similarly situated foundations. If the board does not have the necessary expertise, consider retaining an expert financial management consultant to assist in managing investments.
- Depending on the size and sophistication of the foundation's governing board, consider forming an independent investment committee, and delegating to it principal authority for the oversight of investments. If the board or committee lacks sufficient expertise, consider adding such persons to the board or including them on the committee. Adopt a written statement that sets forth the role, authority, and duties of the investment committee. This could take the form of an amendment to the foundation's bylaws, a committee charter, or a provision in the investment policy.
- 2008 National Board Governance Survey for Not-for-Profit Organizations, Grant Thornton [23]
- Legal, Ethical, Prudent and Effective: Investment Advisory Committee [24]
- Best Practices, 2007 Fall Conference for Community Foundations, Thayer, Scott, CIMA (Sept. 2007).
- Mintz, Joshua J., The Roles and Responsibilities of Investment Committees of Not-for-Profit Organizations (2009) (Available at www.macfound.org [25])
- Vanguard Investment Committee Checklist, Investment Committee Member Checklist [13]
- What financial information should board members review? [26] Governance practices for nonprofit board members and executives, Issue 12, Grant Thornton
Practice 4. The foundation should adopt procedures for selecting, monitoring, evaluating, and terminating each investment management service provider that includes ongoing due diligence. The foundation should periodically review its compliance with the procedures and the effectiveness of these procedures.
Practice Tips:
- Create or adopt a written checklist or set of procedures for the foundation to follow in the due diligence, evaluation, and monitoring of its investment processes. (Sample checklists are listed under Practice 2.) Review the checklist annually and evaluate the compliance with it at a board meeting.
- Persons responsible for investment oversight (whether the board, a committee, outside consultants, or investment staff) should:
- Understand and be able to explain the investment management service providers' investment strategy.
- Understand and be able to explain the amount and calculation of fees charged or to be charged.
- Evaluate the need for an independent custodian to hold or have custody of the foundation assets.
- Visit, inspect, and verify what the foundation's investment management service providers are doing.
- Engage in efforts to minimize the risk of fraud, including confirming the identify and role of the auditing firm for an investment management service provider, understanding how the service provider is regulated and reviewing the service provider's filing with regulatory authorities if available (including, as applicable, Form ADV required by the Securities and Exchange Commission for investment dealers or filings required to made with other accreditationauthorities and state and federal reporting authorities).
- Report investment performance to the board at least quarterly, with comparisons to the relevant asset class benchmarks.
- AICPA, What Does Audit Standard SAS No. 99 (Consideration of Fraud in a Financial Statement Audit) Mean for Business and Industry Members? [27]
- Auditing Alternative Investments* A Practical Guide for Investor Entities, Investee Fund Managers and Auditors, PriceWaterhouseCoopers (April 2007). [28] (Comprehensive guide)
- National State Attorneys General Program at Columbia University Law School [29]
- DeLucia, Michael, Preventing Fraud: From Fiduciary Duty to Practical Strategies [30], New Hampshire Law Journal, (Summer/Autumn 2008). (http://www.nhbar.org/uploads/pdf/BJ-Fall2008-PreventFraud.pdf [30] )
- Proskauer Rose LLP, Four times Five is (Fifty) and Four Times Six is (Eighty): A Discussion of Investment Management Practices for Charities in the Wake of Madoff(January 2009) [31]. (Recommends list of specific internal governance and investment policies)
- Statement by Leon M. Metzger before the Committee on Financial Services, United States House of Representatives (January 5, 2009). [32] (Due diligence checklist)
- Tate & Tryon, Summary of New Audit Standards and their Impact on Nonprofits [33] =
- U.S. Securities and Exchange Commission, REPORT OF INVESTIGATION, Case No. OIG-509, Investigation of Failure of the SEC To Uncover Bernard Madoff's Ponzi Scheme, Executive Summary [34] (2009)
- Venable, LLP, Due Diligence Considerations for Nonprofit Investment Fiduciaries, Seminar (Thursday, May 7, 2009) [35] (http://www.venable.com/files/Publication/405c67c9-d836-4ea0-a87e-6b93598b128e/Presentation/PublicationAttachment/22441015-12ac-4c38-8c33-6eb5abbcfb3c/Due_Diligence_Seminar_5.7.09.pdf [35])
Practice 5. The foundation should have, and should ensure that investment management service providers have, policies and procedures that provide reasonable assurance of compliance with applicable law and of the prevention or timely detection of unauthorized investment or use of the foundation's assets.
Practice Tips:
- Obtain written assurances from provider of commingled funds as to the provider's legal compliance process as well as its risk management controls.
- When opening separate accounts with a service provider enter into written agreements that set forth among other things:
- The service provider's investment strategy, including use of leverage if any;
- Limitations on the types of securities in which the service provider may invest;
- A statement (or incorporation by reference) of the applicable provisions of the foundation's investment policy statement;
- The service provider's fee structure; the right to prompt notification upon certain major service provider events (e.g., departure of key persons, change of control of the company, withdrawal of a material percentage of assets from the strategy, material litigation);
- The type and frequency of reports the service provider will provide the foundation;
- The benchmarks(s) against which the service provider's performance will be measured;
- Reports, at least monthly of the service provider's performance; and
- A periodic affirmations of the service provider's compliance with all of the provisions of the agreement.
- Regularly review reports from the service provider and third parties (e.g. the service provider's auditors) to monitor the provider's performance and compliance with the agreement. Consider periodic site visits as part of the review process.
- Fiduciary 360, Prudent Practices for Investment Advisors; Prudent Practices for Investment Managers [36] (available at www.fi360.com [11])
- Self-Assessment of Fiduciary Excellence for Investment Managers, Self-Assessment of Investment Advisors [36](available at www.fi360.com [37])
Practice 6. The foundation's board (or its investment committee, if any) should ensure that its members are provided with information, including regular reports, sufficient to permit the board (or committee) to fulfill its ongoing oversight function.
Practice Tip:
Schedule time at one board meeting each year to review the investment policy statement, and investment performance. Keep minutes of the discussion. Plan for this review generally at the same time each year and develop a specific process for it.
Practice 7. The foundation should adopt procedures to ensure that any conflicts of interest of members of the foundation's board, investment committee, foundation staff, and investment management serviceproviders are appropriately addressed and that the foundation carries out the investment function in compliance with all applicable ethical policies and guidelines.
Practice Tip:
Adopt a conflict of interest policy that has certain core components with respect to the entire business of the organization, including, as applicable, grantmaking investments and other business transactions. Require annual written disclosures from persons participating in the investment process (board, committee, staff, etc.) in which such parties disclose material affiliations with organizations with which the foundation could reasonably be expected to do business. Disclose any affiliation with any organization involved in any proposed transaction, investment, or retention of a consultant or manager.
- Council sample conflict of interest policies [38]
- Boucher, Toni and Hudspeth, Stephen, Ethics and the Nonprofit [39], Commonfund Institute (December 2008)
- Ford Foundation, Policies on Conflicts of Interest (www.fordfoundation.org; [40] www.macfound.org [41])
Other Useful Resources:
Key Statutes and Regulations
- The Uniform Prudent Management of Institutional Funds Act [42], see the Uniform Law Commission Web site (http://www.upmifa.org [42]).
- The Uniform Prudent Investor Act [43], see the commentary accompanying the act by the National Conference of Commissioners on Uniform State Laws
IRS and Internal Revenue Code
- IRS, Intermediate Sanctions – Excess Benefit Transactions [44]
- Taxes on Excess Benefit Transactions, 26 CFR 53.4958-1 [45]
- Definition of Disqualified Persons, 26 CFR 53.4958-3 [46]
- Excess Benefit Transaction (defined), 26 CFR 4958-4 [47]
For information about state law requirements, consult your state's charity officials office, which is available from the National Association of State Charity Officials [48] Web site (www.nasconet.org/agencies [48]), or your state's association of nonprofit organizations, which is available from the National Council of Nonprofit [49]s Web site (www.councilofnonprofits.org/salocator [49]).
For more information about IRS requirements, public charities and private foundations should consult the IRS Lifecycle of an Exempt Organization [50] Web site.
Appendix A
A collection of state and federal laws govern foundation investments. Some of these statutes codify the fiduciary obligations of a foundation's directors and officers. Others, such as the federal excess business holdings rule, regulate particular investments.
State Law
Some foundations are organized as nonprofit corporations, while others take the form of charitable trusts. Different state laws apply to each type, although statutory enactments in recent years have done much to minimize the differences in the standards applicable to each.
The fiduciary duties of a nonprofit corporation's board derive from two basic sources: the nonprofit corporations act of the state in which the foundation is incorporated and, in all but a few states, the Uniform Prudent Management of Institutional Funds Act (UPMIFA).1
The fiduciary duties of trustees of charitable trusts stem from the common law of trusts and from the Uniform Trust Code (UTC) in states that have adopted that act. Trust investments are governed in most states by the Uniform Prudent Investor Act (UPIA).2
Despite these differences in the statutory construct, the standards both apply to foundation directors and trustees are substantively quite similar. This is due, in part, to a conscious effort on the part of those who drafted UPMIFA to conform that act as much as possible to the standards set forth in UPIA. However, there are a few differences in the two laws as drafted and there may be more in practice as some state legislatures made changes to the original during the enactment process.
Foundation directors, officers, and trustees should determine which body of law applies to the foundation, trust or corporate. Directors of nonprofit corporations should be familiar with the substantive standards established by the state in which the corporation is incorporated. Trustees of charitable trusts should determine which state's laws govern the trust. Under the Uniform Trust Code, this could be a state designated in the trust instrument or, in the absence of such a designation, the jurisdiction that has the most significant relationship to the matter at issue, normally the state in which the trust is principally administered.
State law generally identifies three essential duties of foundation fiduciaries: the duty of care; the duty of loyalty; and the duty of obedience. As applied to investment management:
i.The duty of care generally requires that investment management decisions be made in good faith with the care of an ordinarily prudent person in like circumstances;
ii.The duty of loyalty requires that when making decisions for the foundation that the decisions are made in the foundation's best interests – this is the conflicts standard; and
iii.The duty of obedience requires that foundation fiduciaries know the law that applies to the foundation and that all actions taken comply with that law and the foundation's governing documents (e.g., its articles of incorporation, bylaws, instrument of trust).
Uniform Prudent Management of Institutional Funds Act (UPMIFA)
UPMIFA requires that investment stewards act in good faith and with the care of an ordinarily prudent person in selecting investment agents and managers and in establishing the scope and terms of the decisions delegated to them. While internal and external investment management service providers consequently owe a duty to the foundation as a result of the delegation, the foundation investment fiduciary or fiduciaries exercising delegation authority have a continuing duty to the foundation to periodically review the agent's actions to monitor performance and compliance with the scope and terms of the delegation.
Most states have enacted UPMIFA, which updated and largely replaced the Uniform Management of Institutional Funds Act (UMIFA). UPMIFA generally does not cover charitable trusts, which are covered by the state's Uniform Prudent Investor Act (UPIA) and/or the Uniform Principal and Income Act. State enactments of UPMIFA may vary, but the essential requirements of UPMIFA, as they apply to investments, are:
- The duty of good faith prudent decision-making;
- The duty to diversify investments except in special circumstances;
- The duty to investigate, that is to engage in reasonable efforts to verify facts relevant to the management and investment of the fund;
- The duty to make decisions about selling or holding an asset within a "reasonable" time;
- The duty to minimize costs (fees); and
- The duty of board members with specialized skills to use those skills when participating in board matters.
Under UPMIFA, the factors that foundations fiduciaries or stewards must take into consideration when evaluating its investments include but are not limited to:
- The long- and short-term objectives of the foundation and its needs to make distributions and to preserve capital;
- General economic conditions;
- The possible effect of inflation or deflation;
- Expected tax consequences, if any;
- The role of each investment or course of action within the overall investment portfolio of the fund;
- The expected return from income and appreciation; and
- The asset's special relationship or value, if any, to the charitable purposes of the foundation.
Uniform Prudent Investor Act (UPIA)
UPIA has been adopted in some version in the majority of states and the District of Columbia, and is applicable to charitable trusts. UPIA, many provisions of which were purposefully included in UPMIFA, similarly requires that trustees exercise "reasonable care, skill, and caution" in the selection of the agent, establishing the terms and scope of the delegation, and regularly reviewing the agent's actions to monitor performance and compliance with the scope and terms of the delegation.
Federal Law
Federal law governing foundation investments takes place mostly through the tax code. Unlike the states, federal requirements do not differ based on whether a foundation is a corporation or a trust. However, they do differ based on whether a foundation is a private foundation or a public charity.
Public Charities
Investments by public charities are largely unregulated by the federal government. Section 4958 of the Internal Revenue Code imposes penalty excise taxes on public charity directors, and other persons having substantial influence over the charity, if they receive payments that exceed fair market value in connection with transactions with the charity. The Pension Protection Act of 2006 extended this penalty regime to include investment advisors to a public charity if they invest assets in a donor advised fund or pooled investments that include a donor advised fund. That act also prohibited paying compensation to an advised fund's donor or advisor and related parties, thereby barring payments to such persons in connection with managing the advised fund's assets. A similar prohibition applies to payments to a supporting organization's substantial contributor and related parties.
Section 514 of the Internal Revenue Code has the effect of substantially limiting the use of debt to leverage investments by imposing unrelated business income tax on investment income attributable to debt. This rule, which applies to both public charities and private foundations, has some exceptions but unless one of the exceptions applies, the tax will often diminish the charity's return on a debt-financed income sufficiently to make it not competitive with investments that are not subject to debt.
Finally, the Pension Protection Act of 2006 extended the private foundation excess business holdings rule, see below, to assets held in a donor advised fund.
Private Foundations
In addition to the debt-financed property rules, the Internal Revenue Code directly regulates private foundation investments through its prohibition on "jeopardy" investments and indirectly through limits on a private foundation's ability to hold a controlling interest in most businesses – the excess business holdings rule. The Tax Code also bars most financial transactions between a private foundation and its directors, officers and trustees and persons related to them.
Jeopardizing Investments
A private foundation is prohibited under the Internal Revenue Code and regulations from making an investment that jeopardizes the carrying out of a foundation's exempt purpose. Penalties can be substantial and can include fines against the foundation's directors and officers, and the foundation. Under IRS regulations, an investment is considered to jeopardize the carrying out of the exempt purpose of a foundation if the foundation managers, in making the investment, failed to exercise ordinary business care and prudence in providing for the long and short-term financial needs of the foundation under the facts and circumstances prevailing at the time the investment was made.
The tax regulations provide that the determination of jeopardy is made on an investment-by-investment basis, with certain investments and methods of investment, such as trading securities on margin, trading commodity futures, investments in working interests in oil and gas wells, the purchase of puts and calls and straddles, the purchase of warrants and selling short, subject to strict scrutiny.3 However, the regulations also provide that individual investments are also to be viewed in the context of the foundation's portfolio as a whole. The IRS has ruled privately on several occasions that investments of the strict scrutiny variety will not cause a foundation to violate the jeopardy investment rule if the investments are part of a diversified portfolio.4
Excess Business Holdings
The intricacies of the excess business holdings rule are beyond the scope of this brief paper. However, the rule, which generally limits a foundation's ability to own a controlling stake in an active business enterprise, either by itself or in conjunction with interests held by its disqualified persons, closes off some investment opportunities. The principal exceptions cover businesses that are primarily investment vehicles – they receive 95 percent or more of their income from "passive" sources such as interest and dividends – and business that are "functionally related," those that substantially further the foundation's exempt purposes.
Private foundations generally are prohibited from engaging in financial transactions, directly or indirectly, with or benefiting "disqualified persons" even if the transaction is at fair market value or favors the foundation. While an exception to the self-dealing prohibition covers services by an investment manager who is a disqualified person of the foundation, the rule does prohibit the use of foundation resources to leverage a disqualified person's investments. Any participation by a private foundation in an investment partnership that includes disqualified persons should be preceded by careful review by the foundation's counsel with consideration given to obtaining a private letter ruling.
1UPMIFA, which replaces the older Uniform Management of Institutional Funds Act, has been adopted in forty-eight states and the District of Columbia. The states that have not enacted UPMFIA are Mississippi and Pennsylvania.
2Twenty-two states and the District of Columbia have adopted the Uniform Trust Code. Forty-six and D.C. have adopted the Uniform Prudent Investor Act.
3 Treas. Regs. § 53.4944-1(a)(2)
4 E.g., PLR 199939046 (investment of up to 20 percent of foundation assets in a partnership that took equity positions in private businesses and invested in other private equity partnerships).
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- 16"w x 28"h
- 240 Total Watts
- 4 Lights
- Incandescent Output
Wingate offers tradition with a twist: clear, floating beveled glass panels surround understated cast round candle cups and candle sleeves. This 4 light fixture in an Oil Rubbed Bronze finish has a modern yet classic style.
The Hinkley 3006OZ Wingate collection Chandelier Lighting in Oil Rubbed Bronze uses Incandescent light output and brings Decorative style. This item is 28"H x 16"W. The wattage is 240. The Hinkley 3006OZ requires 4 bulbs (not included). Additional Information: Shade-Clear beveled Glass.


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What I Learned at the ProtectMyID Booth: AARP Life at 50+ Recap
Sep 26
Members of the ProtectMyID team were at the AARP Life at 50+ event that took place last week. As a blogger, I was interested in attending and speaking with folks on the exhibit show floor. Hundreds and hundreds of attendees stopped by the booth. Some wanted to learn more about identity theft and ways to protect your identity. Others came right up to me and said, "Let me tell you what happened to me." The common thread between the dozens of people that told me about their experiences with identity theft is that they NEVER thought it would happen to them. Never. I say this a lot, but let me say it here again. Identity theft can happen to anyone.
I was surprised when some people came to the booth, looked at the information we had and said, "I shred all my mail, so it won't happen to me." These days, there are so many ways that your data can be stolen or lost, putting you at greater risk of identity theft. While shredding and other measures do help mitigate your identity theft risks, it is cavalier to think that it can't happen to you.
If you are already taking steps to protect your identity, good work. If not, take a look at this blog and learn about topics from skimming to cybersecurity and start today to protect yourself. Finally, check out www.protectmyid.com to learn about what we can do to help you safeguard your identity.


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The Amarok Power is built to be a mobile party sound system with the DJ as the driver. The entire system is packed into a cube in the bed with components from Allen & Heath, Pioneer and Void Acoustics.
In addition to the powerful DJ rig, the pickup gets some extra style with chrome inserts around the bi-xenon headlights, chrome exhaust pipes, 22-inch Gunmetal wheels with matching side view mirrors and orange brake calipers. It's all covered in Dynamic Grey metallic paint with orange decals on the doors and side of the bed. Inside, the driver is cosseted in black and orange Nappa leather seats with black Alcantara trim on the steering wheel, seats and door trim.
This Amarok is ready to party and is propelled by a 3.0-liter V6 TDI diesel with 268 horsepower and 443 pound-feet of torque, mated to an eight-speed automatic transmission. VW claims that it could reach a top speed of 131 miles per hour and 62 mph in 7.9 seconds. Scroll down to read all about this rockin' VW concept.
Hanover/Reifnitz, 27 May 2014 - Volkswagen Commercial Vehicles presents the Amarok 'Power', demonstrating on the shores of Lake Wörthersee an idea for providing a mobile sound system at any event: for the spacious cargo bed of the 5.25-metre-long pick-up provides sufficient storage space for all the equipment needed for parties such as the GTI meet. Also flexibly transportable by the disc jockey and simple to set up at the venue, this sound system delivering total power of 5,000 watts will certainly have not only the Wörthersee rocking.
And this special Amarok also has 'rhythm' thanks to its richly varied interplay of metallic, high-gloss and matt surfaces: deep 'Dynamic grey' metallic paint underscores for the one part the technical, cool look, while the use of micro glass flakes intensifies the sheen. Wing mirror covers and the mighty 22-inch alloys (tyre dimension 295/35) are painted in 'Gunmetal'. Further striking touches are created by orange decals on doors and sills and orange brake callipers. Genuine highlights on the other hand include the bi-xenon headlights with their chrome inserts and the likewise chrome-plated twin tail pipes of the Amarok 'Power'. The technically high value look and feel is, however, also reflected inside: refined black and 'Orange Power' nappa leather, black Alcantara on the steering wheel, bucket seats and door trim is additionally combined in the cockpit with high quality carbon leather. A love for detail: on the seats the honeycomb of the radiator grille is recreated as perforation and a silhouette of the Amarok is laser-etched into the leather beneath the head-piece.
And these fine details naturally continue in respect of the sound system installed in the vehicle: centrepiece of the DJ equipment is an Allen & Heath Xone:92. Used as input devices are Pioneer CDJ900NXS units. Sound output comes via two VOID ACOUSTICS Impulse 3t speakers. Their special design was especially created for Volkswagen Commercial Vehicles. With the similarly adapted VOID ACOUSTICS Stasys Xair subwoofer the 'Amarok Power' is ideally equipped to reproduce even the really low frequencies. The VOID ACOUSTICS mycro 6 loudspeakers used as monitors have been integrated into dedicated functional sound boxes. The VOID ACOUSTICS loudspeakers are driven by amplifiers from MC². All of the individual components have been designed in such a way that when assembled they perfectly fill the complete 3.5 m2 cargo bed of the Amarok SingleCab and as a 'compact cube' thus provide space for the complete PA system. All ready for the next open air party, which the Amarok will get really rocking!
• Name:
Amarok 'Power'
• Character:
Mobile DJ workplace
• World première:
29 May 2014, Reifnitz/Wörthersee
• Dimensions:
Length 5,254 mm; width 2,228 mm; height 1,740 mm;
• Engines / power / gearbox:
V6 TDI (Common Rail)
Cubic capacity 2,952 cm3
Max. output 200 kW
Max. torque 600 Nm at 3000 min -1
Transmission 8-speed automatic
• Performance*:
V/max 210 km/h
0-100 km/h 7.9 sec.


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When I lift my right turn indicator arm it works yet as soon as I turn the steeering wheeel it cancels. What is the likely cause? Thanks.
When I lift my right turn indicator arm it works yet as soon as I turn the steeering wheeel it cancels. What is the likely cause? Thanks.
Have you had the steering wheel or column shroud off recently? There is a little plastic "Cam Ring" (thats probably not its real name) that sits around the steering column and turns with the wheel. As it comes past certain points it knocks the switch arm off. If you take the shroud off with some screwdrivers you should be able to see why its moved out of place.
Creator of the YCHJCYA2PDTHFH club, just ask me,
WOOF, WOOF WOOF WOOF, I'm hungry.
Exactly the same on mine, seems too much effort to take it apart and fix
1983 2 1/4 Diesel S3 SWB1993 200tdi Discovery S1996 300tdi Discovery ES1997 300tdi Defender 901999 Freelander Xedi1999 Discovery TD5 GS2005 Discovery 2.7 Diesel SE2006 Defender TD5 110 XS2013 Defender 2.2 110 XSArmy - be the best
Does make for some interesting maneovours on mini roundabouts going right though, left hand steering and holding indicator on and right hand changing gear?!
Growing old is mandatory. Growing up is optional.
1992 Defender 110 CSW 200Tdi
1992 Discovery Mk1 200Tdi
1993 Discovery Mk1 200Tdi
Mine does exactly the same. As per earlier posts, it's probably that cam ring that's at fault. I'm expecting the new switch unit I'm about to fix (for other reasons) to cure it.
I wouldn't worry unless it really bugs you.
Sorry about this belated comment. However I have found a related but different fault on both of our 110s. This fault is I believe a design weakness/fault in the indicator switch assembly itself: the unit is fit to the steering column by an injected plastic split collar with an integral nut, which is clamped to the column using a machine screw. Unfortunately the plastic is not particularly strong and breaks, which allows the unit to slip and prevents the switch engaging properly to turn the indicators on and off at the right places.
Thank you, Solihull.
Mosweu ko nageng
1995 300TDi 110
Yeah, thats a common fault as well, (people with mahousive arms tightening stuff till it snaps!) Easily fixed with a bit of two pack glue though.
Creator of the YCHJCYA2PDTHFH club, just ask me,
WOOF, WOOF WOOF WOOF, I'm hungry.
You are going to love this; the correct terminology according to Land Rovers part catalogue for the plastic part of the indicator cancelling mechanism is simply called a Ring and the other metal part on the steering wheel is called the Ring Striker.
The simple device fails with wear. You cannot buy just the ring as it comes complete with the switch arm unit. Try eBay for a Brand new one. Also Lucas agents sells these units cheaper than Land Rover.
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For consumers challenged by job insecurity and limited credit, it will be important to keep holiday spending in hand this year. To avoid making bad choices or buying in a panic two days before Christmas, the key is to start planning now.
Where to start » Job One is to figure out how much money you can afford to spend. Next, list people you'll shop for and set a spending limit. Pay with cash or a debit card to avoid racking up debt.
Shop strategically » To find the best deals, from computers to toys, register to receive e-mail alerts on price cuts. Sites such as Shopzilla.com, Shopping.com, Shopittome.com, Groupon.com and Pricegrabber.com have information on a wide range of goods.
Timing is everything » The day after Thanksgiving isn't necessarily the best for bargains. Nowadays, deals are offered from early November on, and the best time to buy some toys is two weeks before Christmas because of big discounts on slow-selling items.
Think about reuse » Refurbished goods on sites such as Apple.com and Delloutlet.com are great for the gadget-lovers. Warranties are the same as on new products, and some items simply were returned unused. Nobetterdeal.com sells returned items up to 70 percent off retail.
Consider cash back » Many credit cards and retailers reward shoppers with points or even cash, though experts advise you to check for fees or limits on how you can spend the payments.
Sources: Novadebt, Dealnews.com, Shefinds.com and Momfinds.com, The Associated Press


text: http://www.sovsport.ru/gazeta/article-item/594352 English translation from Plushy's official website. Thanks for Darina! http://evgeni-plushenko.com/forum/viewtopic.php?f=3&t=6&p=78196#p78196 -------- Kovtun - 19th. Save us, Plushenko! Two Olympic champions - Yagudin and Plushenko about failure of our young athletes in London Peerless Patrick Chan and - the 19th place of Maxim Kovtun in the short program ... Those who might afford a sleepless night, and broadcast from Canada began at four o'clock in the morning, immediately began to remember the name of Plushenko. Between Chan who again set world record, and our junior, who has started leg weakness from disturbance, there is an abyss. And for us it is time to stop living in illusions and accept the ugly truth. Men's figure skating in Russia is now just not there. Specifically to look at Chan, Olympic champion of Salt Lake City Alexei Yagudin went to YouTube. Yagudin is known for his skepticism. Many years he repeated that he does not watch figure skating because he does not have time. No time - always means just one thing: it's boring. This time Alexei watched. YAGUDIN: WHAT ZHENYA AND I DID IS IN THE PAST - What happened to Maxim Kovtun, I do not know, I only saw the top three, - Yagudin told me on the telephone. - Instead of combination 4-3, Kovtun did 3-1. - In such cases, how said my first coach Alexei Nikolaevich Mishin: "Look at things realistically". I do not understand there was hope that Maxim Kovtun can make the top ten at the world championships. It would have been extremely difficult for him to do this. Any of the top ten shows such a high level ... And Chan - it's like ... there's unfinished canvases, draw an analogy with the painting, and here the picture, completely finished, which you can not take your eyes off! - Was it worth in such a deplorable situation to fight for the second ticket to the Olympics? Who to sent and what for? For the 19th place? - It's always necessary to fight. Never give up and go to the end. Maxim will hardly be able to recoup in the long program, it is somewhere a millionth of a chance that he would suddenly gets into top ten. We really have not men's figure skating, to this, I will not argue. But you can not just sit down and put hands on knees? We have to go ahead and do what we can. - And all that we have - it's Plushenko. - Zhenya has a little more chance than Voronov or Menshov has. Once again I must ask to look at things realistically. What Zhenya and I were doing was good at the time, but against the background of what I saw in London, we are left in yesterday. Figure skating became completely different! PLUSHENKO: I DID NOT PLACE ANY EXPECTATIONS ON KOVTUN ... Evgeni Plushenko yesterday flew to Israel for examination. He did not have time to see a short program at World Championships yet, even on YouTube. "I forgot my iPod in the home," - Zhenya admitted. "I wanted to take it, but something distracted me, and I could not put it in the bag. So far I know only the results. Let's not attack Maxim Kovtun. 19th place, nothing remarkable, of course not, but he's still a very young athlete, and his free program at the European Championships in Zagreb, where he first performed at the senior level, looked very dignified. What happened to him in London, maybe there are some details that I do not know, but, probably, the point is that he has not yet matured ... I did not place any expectations on him, to be honest. But anyway there was not alternative to Maxim. - I have just talked with Alexei Yagudin. He said that figure skating gone far ahead, and what you did stayed in yesterday. - Um ... You see, Alexei retired in 2002, and after that I skated at the Olympics in Turin in 2006 and won, skated at the Vancouver Olympics in 2010, also won at the last European Championships in Sheffield. I skated under the new judging system and won, so I somehow disagree that stayed in yesterday. - How to beat Chan, Fernandez who has three quads - do you have a plan? - I have plan. The first plan - to get well, and so far I have no deviation from my plan. Six years I have suffered with a sore back, not only on the ice: it hurt to walk, sit and even sleep. Now the pain went away, the doctors told me today that my recovery goes as it should. I already allowed to run. I am negotiating with the producers of the programs, I choose music. I can not afford now to talk about the places (on the podium), in general I should not think about them, in my opinion. In May, we will go to the training camp in Kislovodsk, I'll jog, drink mineral water (he actually said like "little-water / vodichka" which is the diminutive of "water / voda". why is he so adorable..? srsly), shall clean the body, get some mountain air - our base is located at 1800 meters - there I'll start working on the floor, based on how this work will go, it will be possible to talk about timing the return to the ice. - Zhenya, you answer something vague. - I know that is not concrete, but what can I say now? I have to start again to jump. On the floor. To wear in new skates. To put the program without jumping, without some sort of screwing. Slowly, slowly ... And no need to scare me with Chan. Chan is good sportsman, he spins well, just now jumps well. Judges love him, they love all the North Americans in general. But if we skate at the Olympics in Sochi well, also we shall also get such scores (Chan broke world record in the short program - author's note). And if we skate badly, we shall be ... on the 19th place. Do not worry. Yes, now the crisis in men's figure skating, but after the Olympics in Sochi, I'll become a coach. I'll bring up the replacement. - You have, I see, a good mood. - I'm not kidding. I'm really going to open my own school! ____________________________ no comment...Plushy is great.....we can see the difference


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Welcome to Willshee's
Willshee's is a leading independent domestic, industrial and commercial waste management company in Burton-on-Trent. Family owned and operated, we have over 30 years of waste management, recycling and skip hire expertise and can develop tailored solutions to save your organisation money, as well as improve its environmental performance. Willshee's provide a total service for the reduction, reuse, recycling, recovery and disposal of waste. We can provide a wide range of services from wheelie bin hire, skips, RELs, Roll on/off containers and equipment rental for general waste and all types of recycling.
Utilising our fleet of specialist vehicles covering the Midlands and operating our Materials Recycling Facility (MRF) in Burton, Willshee's strive to provide sustainable resource management strategies delivering collection, process and recovery. Willshee's is focused on sending nothing to landfill and can now recycle almost all wastes including wood, cardboard, paper, metal, glass, plastic, plasterboard and aggregates. Recycling these wastes helps the environment, improves your company image and can save you money.
As one of the leading independently owned recycling companies in the UK, Willshee's is a dynamic British business where innovation builds on heritage to give exceptional resource and waste management services; keeping our clients ahead of the curve. The quality of our business is assured by the attainment of ISO 9001 (Quality), ISO 14001 (Environmental), OHSAS 18001 (Health & Safety) and Safe Contractor accreditations.
We also provide domestic skip hire and construction skip hire in Burton, Derby and all surrounding areas, which includes a wide selection of skips ranging in size from 2.5 cubic yards to 40 cubic yards.
Please contact us regarding our commercial, domestic and industrial waste management in Burton, Swadlincote, Tamworth, Derby, Ashby, Coalville, Leicester, Nottingham, Birmingham and throughout the Midlands, and we will be happy to help.


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Court cases over our unsettled financial obligations as well as chance for enforced payments, even repossession of possessions, are likely if you handle the credit card debt elimination course of action badly. Even though bankruptcy does have its built in protection, because it's managed by the process of law, until recently credit card debt settlement has been a complex situation.
Recent Adjustments to the Credit Card Debt Law
Last Year the Federal Trade Commission (FTC) made substantive changes to the law, which opposes the sometimes underhanded methods of a number of debt settlement firms. As a result of economic downturn in the global economic system in recent years, a record number of individuals have applied for credit card debt settlement. While a great many debt relief companies have dealt with these cases in an ethical way, a number of companies had been billing extreme upfront service fees and monthly servicing fees while supplying the credit card debtor with either weak debt settlements or absolutely no debt settlement at all.
In quick overview it basically declares the following:
• The person in debt repays into a specific account which is held and managed by the person in debt. The debtor can withdraw the balance at any stage. For that reason, the debt settlement corporation has no control over the debtor's finances.
• The debt relief business has to carry significant reductions (at least changes in the level of debt in one or more of their client's credit cards ahead of billing the client for their services).
• The debt relief provider can only charge their client a fee after the person in debt makes no less than one payment to the credit card company, that the debt relief company has settled the debt with on behalf of the debtor.
• The company can only impose a fee which is proportionate to the amount of debt savings which they have settled on behalf of the debtor.
Personal debt problems are awful enough without needing to face court cases, and yet for some credit card debtors this is what they have to deal with on a daily basis. If you find yourself in this position, exactlty what can you do next? If your financial obligations are getting badly out of hand, you will be taking into consideration the debt relief route and contrasting it against personal bankruptcy.
These recent changes to the credit card debt law indicate that if you sign up for a program, your hard earned money is going to be safeguarded during the whole process and that the business can only receive their fee once you have acquired substantial savings on your outstanding debt.


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The 20th Annual Convention will take place in Birmingham, AL at the Doubletree Hotel Wednesday, October 5 – Friday, October 7, 2011. Birmingham, AL is classic southern charm and hospitality. This vibrant, beautiful city is nestled in the rolling foothills of the Appalachian Mountains and serves up nationally recognized dining, shopping and entertainment, world-class attractions, events and other things to see and do.
We are excited to announce that Drs. Wayne Fisher and Cathleen Piazza will be speaking at our fall convention this year! Check out the Invited Speakers page for more information.


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1999 A4 1.8t Quattro
190K miles
-Milltek 2.5 ID cat back
-Gt28R eliminator Kit
-440CC bosch's daily driven at 12 PSI(unsure of programming)
-3" APR Downpipe
-EVOMS Front Mount Intercooler
-Forge 004
-Factory Xenon from a 2000 S4
-s4 full leather black interior from a 2000 S4
-RS4 17" replicas
-Koni Lowering suspension
-Porsche Carrera Front calipers on S4 rotors
The Ugly
Car is branded rebuilt, and has a crease in the rear quarter I never really cared to fix, Ive had the car for almost 5 years. Came from the USA, saftied and certified in the GTA.I use the car for my daily commute and on weekends where it travels 500 kms to my retreat and back.So theres alot of highway KMS. Maintained all the time, timing belt done yearly, tires 2 years ago, all control arms. 500kms to a tank typically...which is far better than a stock a4 mixed if your nice on the throttle.
Has A cheap Fiberglass front RS4 bumper...I KNOW
Im looking to buy an SUV or truck because the car just doesnt cut it...plus I have 2 other cars.
Will Certify. Vehicle passes all Emissions tests legally...no cel. Only a covered air bag light due to S4 interior so therefore no airbags...A bunch of spare body parts will go with the car aswell.
Feel free to take on a test drive or to your mechanic or whatever you wish if your interested.
asking $4500 Certified or Best offer AS-IS.
Thanks for looking


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Bah! Puffy Face
Cause: Drinking and eating too much. Too many cocktails or salty hors d'oeuvres and you could wake up looking like a blowfish (and not in a good way).
Aah! "Often holiday foods are salty, and salt acts like a magnet," causing your body to retain water and "making you puffy," explains Bonnie Taub-Dix, R.D., a spokesperson for the American Dietetic Association. "Dilute the salt by drinking lots of water." Or try other caffeine-free fluids, she says, like peppermint tea, which can also ease any digestion issues you may have after overdoing it. "To help keep fluids from pooling in your face overnight, sleep propped up on two or three pillows," advises Margaret Weiss, an assistant professor of dermatology at the Johns Hopkins University School of Medicine, in Baltimore.


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Have a look at These Terrific Suggestions On Massage therapies
Really feeling a little blue? Go acquire a massage! The health and wellness perks of massage many, as well as studies have actually revealed that people of the perks of massage is elevated serotonin. Serotonin is a neurochemical that makes us rejoice, yet lack of sleep, bodily hormone variations, bleak weather condition as well as bad diet plans can reduce your physical body's natural serotonin shops.
Before providing someone a massage therapy, experiment with several sort of oils. Everyone is various and also will certainly have a various reaction to oil; you should discover what works for them. I learned about site link by searching the Internet. The lubrication provided by the oils is very important to offer a friction-free massage therapy encounter.
If you have a wound that is starting to heal, massaging around that location will certainly assist it to heal even faster. Massage therapy improves the quantity of blood that is moving to that location of your body. So, by rubbing that location you are giving it with new blood to promote recovery. This can additionally aid to decrease scars.
The light and mild massage therapy strategy is usually referred to as Swedish. It aids boost flow and also relax your partner. This kind of massage is additionally superb for athletes that have muscular tissue exhaustion. You need to take care with this type of massage as well as listen to your partner. They could possibly have injuries and also if the massage therapy is painful, you need to stop.
There are lots of advantages to obtaining a Thai massage therapy. In addition to experiencing tension you might have in your joints as well as muscles, it can also reinforce your nerves as well as aid you end up being more flexible. The specialist will flex your physical body out for you, yet you should control your breathing.
When you will obtain a massage, you need to permit the individual providing the massage therapy know where your concerns are taking place. A massage therapy's objective is to relax your muscles and also target your issue areas. Your specialist will should know exactly what areas to function the hardest.
Communicate with your massage therapy therapist. Your masseuse is most likely not a mind viewers, so permit them recognize if an area of your body needs a little additional interest. Whether your shoulders are a clutter from being stooped over a desk or your legs are sore from a marathon workout, speak out.
If you have a place which injures regularly, give it a massage therapy once each day. This will assist release it up as well as with any luck your pain will certainly not return. For extra information, please consider looking at: promasajizmir | masu00f6z. Gradually, you might locate that it is currently loosened when you begin to massage it, so you can minimize the regularity of massage.
Just how much should you tip a masseuse? If you're at a hotels and resort or a local medspa, 20 % is very typical. If they function from house, each specialist will commonly set their own plans, however 20 % is fair. If you have an opinion about finance, you will maybe need to discover about company web site. If they operate in a massage therapy facility, inquire for their policies - some will certainly include the suggestion in the cost.
As you can see from this article, massage therapy can be a viable remedy for dealing with pain. Lots of people will attest to the advantages of a good massage therapy, so why not acquire the benefits on your own? Remember exactly what you've reviewed in the post and also attempt a massage therapy for yourself. You'll be shocked at the results.. Discover more about profesyonelmasajizmir.com/ by visiting our astonishing encyclopedia.


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Chicago Bears quarterback Jay Cutler says, "Don't panic." Despite targeting wide receiver Brandon Marshall on all five of his passes in the team's second preseason game, Cutler says he'll spread the ball out once the regular season hits.
But what is his definition of "spread the ball out?" Cutler's reliance on Marshall in 2012 far surpassed "security blanket" status. In fact, Marshall was the target of a Cutler pass almost a third more often than the next highest QB-WR combo in the NFL.
Take a look at the numbers:
Cutler completed 255 passes, on 434 attempts.
Marshall caught 116 balls, and was targeted 190 times in games started by Cutler. Admittedly, that includes a statistically insignificant amount of targets and catches by other quarterbacks in games Cutler left due to injury.
That means 44% of Cutler's attempts and 46% of his completions were aimed at Marshall. Here are the next closest target percentages by wide receivers in the NFL:
Reggie Wayne, Indianapolis Colts: 31%
Andre Johnson, Houston Texans, 30%
A.J. Green, Cincinnati Bengals, 31%
Calvin Johnson, Detroit Lions: 28%
That's not even close. The Cutler-Marshall combo, by far, was the most common in the league. But in itself, that's not an issue. Marshall set career highs in receptions (118), yards (1508), and touchdowns (11) in 2012, as part of a remarkably productive season. Yet the Bears offense sputtered.
What was the difference between the 2012 Bears offense, and the 2008 Broncos unit that inspired the Chicago brass to go after the young signal caller anyway?
On the surface, not a whole lot. Marshall caught 104 balls that year, for 1265 yards and six touchdowns. Similar, yet slightly inferior numbers to his 2012 Chicago campaign. The difference lies in the quarterback. Here's a comparison between the Jay Cutler of 2008, and that of 2012:
2008: 62.3% completions, 4,526 yards, 25 touchdowns and 18 interceptions
2012: 58.8% completions, 3033 yards, 19 touchdowns and 14 interceptions
It's a remarkable difference. Cutler's production dropped in every offensive category, with the only exception being interceptions. Upon further review, it's easy to see why. Besides Marshall, the 2008 Broncos had four players with more than 30 receptions. Tops amongst those was Eddie Royal, who caught 91 passes for 980 yards, making the receiving duo of Marshall and Royal one of the most productive in the NFL.
In 2012, the Bears had exactly… zero wide receivers with more than 30 receptions. They also had… zero tight ends with more than 30 receptions. The only Bear besides Marshall to catch more than 30 balls was a running back, Matt Forte, who reeled in 44.
So is it Cutler… or his receivers to blame for this overwhelming over reliance on a single player? History says Cutler is capable of spreading out the football. The player Chicago traded for after the 2008 season was adept at it. In 2012, the Bears had no capable receiving tight end, an injury plagued wide receiving corps (Earl Bennett played in 12 games and Alshon Jeffery played in just 10) and an unwillingness to design plays for the running backs. That has to change.
After a practice this week, Cutler told reporters:
"You guys are hitting the panic button after two preseason games and 30 plays. Yeah, we're going to spread it around. We can't just throw to Brandon and give the ball to Matt. We have to figure out ways to get other guys involved."
The man speaks the truth. But it's one thing to say it… Bears fans want to see it in action.
However, Cutler can't just start winging it around to receivers who aren't open. Jeffery needs to stay healthy and show improvement in year two. Bennett, who is already banged up with concussion symptoms, needs to find a way to stay on the field. New tight end Martellus Bennett must live up to his hefty free-agent contract.
But most importantly, Cutler needs to throw it to the open man, whether that's Marshall, or not. The Bears 2013 season depends on it.
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Fantasy sports should be fun, but you still need to satisfy your competitive drive. Whether you're tired of being locked into the same team for the entire season, need some extra action or you're a casual fan looking to test the waters, FightClub can supply your fantasy fix. Matchup with other fans or maybe even the Sports Media 101 experts for a chance to make some extra money. Can you handle FightClub?Tags: Alshon Jeffery, Brandon Marshall, Chicago, Chicago Bears, Earl Bennett, Football, Jay Cutler, NFL


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Boost Your Fiber Intake to Lose Weight
Learn which healthy swaps you should make to eat more fiber and slim down.
You gotta love fiber. Not only does it keep your GI system running smoothly and your heart healthy, it also can keep you from outgrowing your pants. Yes, fiber is a well-known natural slimming aid. While it helps you feel full, fiber has no calories. So if you fill up on high-fiber foods you crowd out less-healthy foods, Larry Tucker, Ph.D., of Brigham Young University, told EatingWell. The recommended daily value for fiber is 25 grams of fiber per day. Of course, this is one nutrient for which more (from whole foods) is better.
No need to slam back fiber-supplement drinks to get more. Instead, boost your intake by making simple trades that, at the end of the day, really add up. (Check out these Fiber-Rich Dinners to Help You Lose Weight.) Here are five swaps that will boost your daily fiber intake by 20 grams.
—Nicci Micco, M.S., Content Director


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text: BURLINGTON, Massachusetts, July 15, 2014 /PRNewswire/ -- Attunity Ltd. (NASDAQ CM: ATTU), a leading provider of information availability software solutions, today announced that Colmobil Corporation has selected Attunity Gold Client Solutions, premier data refresh, replication and management software, to enable the Company's business-critical data initiative within its SAP environment. Through the use of Attunity Gold Client, Colmobil will now be capable of overcoming its data management and test data availability challenges triggered by the growing complexity of the Company's SAP landscape. The solution will also enable Colmobil to complete several projects that comprise its large, strategic data initiative. Colmobil, Israel's largest importer and distributor of commercial vehicles, trucks and buses, is the sole distributor of Mercedes-Benz, Hyundai Motors, Mitsubishi Motors and Smart. As part of the business, Colmobil operates a fully-computerized logistics center and distribution network, supplying daily to over 75 service workshops. This year, as part of its strategic data initiative, Colmobil set out to execute several SAP projects in parallel that span across the Company's SAP landscape. Focus areas include Enterprise Resource Planning (SAP ERP), SAP Customer Relationship Management (SAP CRM) and SAP Business Information Warehouse (SAP BW). One of the larger and more complex projects includes the integration of two subsidiaries' legacy systems to SAP. This significant project requires updated environments for testing in order to develop new business logic and properly connect of all the data. "Given that we are working with terabytes of data, the complexity of our landscape requires more than a week to generate a fresh QA environment, so we are extremely needy in terms of work hours, servers and storage space," explained Gil Katz, CIO, Colmobil. "Attunity Gold Client Solutions drastically reduces the time to refresh for testing because it allows us to pull only the relevant data for our needs, enabling a much more efficient process." Using Attunity Gold Client Solutions, Colmobil can quickly select and copy subsets of only the relevant data needed from production or non-production sources to non-production targets. In addition to the ability to set data transformation criteria and rules for securing exported data, Attunity Gold Client also allows SAP users to synchronize subsets of data across connected SAP systems; copy and intelligently slice transactional and/or master data from a source to a target system; and troubleshoot production problems outside of the production environment.


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