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This past week delivered investors a lesson that has been taught over and over since public capital markets began: Buy the rumor, sell the news. Everyone knew QE3 (the third major "quantitative easing" program) was likely to be formalized after Gentle Ben practically said so at Jackson Hole. When the magic moment arrived, with the announcement of a $40 billion mortgage buying program (new money) and the extension of a program to reinvest principal proceeds from existing holdings (about $45 billion per month), Treasury Bonds immediately sold off. The yield of the 30-year Treasury ended the week at 3.09% compared to 2.92% the day before the FOMC announced its policy and 2.82% at the beginning of the week.
While this may have surprised many, it shouldn't. I shared my bearish views on interest rates just before the news, suggesting that it's time to minimize interest-rate risk after a 32-year bull market. I posted several ideas regarding how one might reposition one's portfolio, including discussing specific asset classes and sectors of the stock market. Today, I want to extend my analysis by focusing specifically on portfolios that are constrained by income requirements. If rates are going to remain quite low but are going to be rising, which is my view, then certain income-producing investments are likely to fare better than others.
Before I go on, I want to be clear about what I am suggesting. In my article about rates potentially rising, I received several comments about how difficult this would be given what the Fed is saying. After all, they are all but guaranteeing "low rates until 2015." It's true that short-rates, which are controlled by the Fed, are likely to stay quite low (unless the global economy miraculously reinvigorates itself). I am talking about longer-term rates, and this may be quite confusing to many who aren't familiar with the bond market. The Federal Reserve, through quantitative easing, is influencing long-term rates, but it doesn't control them. My bearishness comes in part because their actions and expected actions (from QE3) have already left longer rates lower than they should be. It's not widely recognized, but interest rates ultimately rose during both of the prior QE actions.
Ultimately, it comes down to this: bonds are one of the few assets that are not correlated with "risk assets". For all of 2011, bonds and gold traded as if they were one and the same by offering a "safe haven" from stocks, though this has been anything but the case for most of this year. What's going on now is actually the norm, while 2011 was the aberration, as typically the price of gold is positively correlated to inflation expectations while the price of bonds is negatively correlated. In the chart below, I compare the iShares Treasury 20+ Year Bond ETF (NYSEARCA:TLT) and the SPDR Gold Trust (NYSEARCA:GLD):
As the debt ceiling talks fell apart and concerns about Europe flared last summer, both moved dramatically and in the same direction, reflecting investors' need to hedge "tail risk" in my view. How the financial pressures around the world ultimately play out is unknown to anyone - they could lead to huge deflation or massive inflation. Or, most likely, something in between. More recently, things have normalized, with the price of bonds and the price of gold moving inversely. It was especially pronounced last week.
The bear case on Treasuries is basically that the world is not ending. I believe that QE3 will be just like the other programs and ultimately not lead to lower long rates. The pro-inflationary bias that is being seen in rallying gold and other parts of the markets reflects a fear with which I concur: overshoot. Right now, our economy (and most other economies) is quite weak. It would be a mistake to think that marginally lower rates will have much, if any, impact, but perhaps the economy improves for other reasons. There is a large fear that the Fed could be too late to withdraw liquidity. The bear case for bonds is normalization of interest rates. If the economy actually does grow strongly, it would be an absolute disaster for bonds. I am not in that camp, but it is a risk.
While it's clear to almost everyone that Treasuries are expensive, what's not known is how other income-producing assets account for this phenomenon. There is little reason to think that the yield on all fixed-income or equities will rise one for one with any potential increase in interest rates, though it's unlikely that there won't be an impact. All investors should care about this risk, as it could result in capital losses as well as the opportunity cost of better yields in the future. I will now address specific parts of the bond and stock market and assess the likely impact of higher interest rates.
Bond Market
The bond market, broadly defined, would include Treasuries (and Agencies), Mortgages and Corporates. High quality Corporates are included in the most common benchmark, the Barclays Aggregate Bond index, while lower quality bonds (also known as "Junk" or "High-Yield") are not. One of the most popular ETFs is the iShares Barclays Aggregate (NYSEARCA:AGG), and this is an affordable way to passively own the entire bond market. There are several ways to own the components. The other popular ETF for bonds would be high-yield, including the iShares High Yield Corporate Bond ETF (NYSEARCA:HYG) and SPDR Barclays High Yield Bond (NYSEARCA:JNK). Beyond ETFs, there are many mutual funds as well, and, of course, one can always invest in bonds directly. So far, we have discussed just domestic bonds, though there are many ways to invest in foreign bonds as well, including developed and emerging economies.
If you are concerned about the risk of rising interest rates, you can take several steps to reduce your exposure. The main issue is to sell longer-maturity Treasuries and bonds from other sectors that will likely track longer-maturity Treasuries closely. Here are some specific ideas to consider:
- Sell Treasuries longer than 5 years
- Sell Corporates longer than 7 years
- Increase exposure to Mortgages
- Increase exposure to High-Yield
- Consider floating rate debt
- Consider non-U.S. bonds
The price risk by definition is greater for bonds with longer maturities, but the current environment makes it even more the case. With the Fed likely to keep shorter rates low for a long time, even as the economy is potentially improving, longer rates could rise while shorter rates remain relatively constant. This is known as a steepening of the yield curve. If you hold a 10-year Treasury and interest rates rise by 1%, you would lose approximately 9% if you needed to sell. You can avoid this kind of risk by shortening, but it comes with a cost. The 10-year Treasury yields 1.87%. If you move to the 5-year, your yield drops to 0.71%. Obviously, if you move to cash, it drops to close to zero. Your strategy will be dictated by how strongly you feel about the risk of rising rates.
The math works generally the same with corporate bonds, though the higher yield (the spread) gives you a little more cushion. This is why I suggest cutting maturities to 7 years rather than 5. The higher quality the bond, the more it will track a Treasury. So, this is an area where you need to be concerned if you want to reduce interest-rate risk in your portfolio.
Mortgages are very interesting now. Recall that this is where the Fed is buying. In fact, the iShares Mortgage Index (NYSEARCA:MBB) didn't really change in price. I own MBB in my Conservative Growth/Balanced Model Portfolio. Let me explain why. That model is measured against 60% stocks and 40% bonds (the Aggregate Index, which includes MBB plus a Government and Corporate component). With mortgages, one gets significantly more yield but a shorter expected maturity, but it comes at a cost. While interest-rate risk for smaller moves is less than the overall bond market, mortgages have embedded options. Because homeowners have the option to refinance when rates drop or to never refinance and pay off over the term, mortgages go away when rates drop and stick around when they rise. So, for very large interest rate increases, investing in Mortgages might not be wise. If, like me, you expect a more moderate rise, the extra yield and shorter maturity could mitigate price-risk.
High-yield could be a great alternative. It's not the bargain that it was, but, in an improving economy that leads to higher interest rates, the sector could benefit from lower defaults. Typically, the spread narrows (this is the difference between the yield of the high-yield bond and the Treasury), so the price risk should be less. Additionally, the higher income can mitigate the price-risk.
I have to admit that I am not so up on the vehicles in which one can buy floating rate debt, but I wanted to pass the concept along. Floating-rate debt exposes one to credit risk but not interest-rate risk. The quality is actually pretty low for most funds, as they are investing in bank debt. If short-rates rise, the owner will receive more income. If short-rates don't really move but longer rates rise, one can then sell the floating-rate debt and take advantage then of higher longer-term rates at that time. In a stronger-economy scenario, this is likely a good idea, but, like high-yield, there is price risk if the economy is weak due to the potential for defaults as well as wider spreads on the holdings of the fund. I sure hope that those more familiar than I am with specific offerings will share their ideas in the comments below, but I will share an unnamed example that I think captures the idea well. This mutual fund, which has a 0.7% expense ratio, has over $5 billion in assets. The current yield is 3.7%.
Finally, international bonds can play a role in income generation while diversifying. Again, for me, this is an area in which I am more familiar with the concepts than the exact details. Many emerging market countries have better financial positions than the developed countries. With any international bond, there is always some level of political risk, and it's certainly higher with emerging countries. Still, while our rates are low and possibly rising, many international bond yields are high and falling. We have been in a 32-year bull market, but some emerging markets (and developed, like Spain and Italy, for instance) have been in bear markets. An additional consideration is that there is currency risk. Of course, changing currency rates can work for or against the buyers of international bonds. Again, this is really conceptual, but, the big takeaway should be that this could be an area worth exploring for income generation. I do have a specific example to share, which is a closed-end fund, the Templeton Global Income Fund (NYSE:GIM), but there are many mutual funds with the same mission of generating high current income. The fund had its IPO in 1988 at $10 and trades just below NAV at 9.23. The current monthly dividend is .035 per share, a reduction from where it had been but still a yield of about 4.5%. For the overall emerging market, according to Barclays data, the yield is currently 5.26% compared to the Aggregate Bond index at 1.78%, with similar interest-rate risk.
Summing it up, income investors face many challenges in our current environment of generational-low interest rates. Some have taken either credit risk, liquidity risk, or maturity risk in order to help offset the reduction in yields. The stock markets around the world are in rally mode, perhaps signaling economic improvement in the future. Income investors need to understand that as interest rates normalize, many income-oriented securities face potential price declines, some more than others. In this first part, I have discussed how the unfolding changes could impact various parts of the bond market. Shortening maturities to protect from potential capital loss results in less income, but, in an improving economy, income-oriented investors can assume more credit risk to maintain overall income. In Part 2, I consider income-producing equities, an area where income-oriented investors should focus as well.
Disclosure: I have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.
Additional disclosure: The author owns MBB in one or more of the model portfolios he manages at InvestByModel.com


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About the Book
This book was made to document the solo exhibition of my work in Chicago, Il.
The exhibition was held at Linda Warren Gallery on Fulton Market St. from October 19th - November 24th 2007. The artwork was made over the course of one year, in Los Angeles. Themes explored in the making of this art are part of a continuing personal exploration of how specific mediums express specific ideas more clearly than others. In this pursuit, no medium is held in focus and anything, object or medium, is open to investigation.
Features & Details
- Category Arts & Photography
Standard Landscape, 10×8 in, 25×20 cm
22 Pages
- Publish Date Feb 14, 2008
- Tags pop art, fine art, pin up, art gallery, art museum, Los Angeles, contemporary art, emerging artists, art, painting, sculpture, artist, drawing, video, collage, photography, design, construction, cars, automobiles, television, guns, toys, furniture, architecture, Chicago, California, Indiana, exhibition, technology, artists, builder, book, work, creativity, movie, film
About the Creator
Born in Logansport, Indiana in 1975. Attended Ball State University in Muncie, Indiana then transferred to The School of the Art Institute of Chicago, graduating with a BFA in 2000. Living and working in Chicago, Los Angeles, and Indiana.
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subset: commoncrawl


text: At Dance Tonight Chattanooga, our mission is to enrich the lives of each and every person we come into contact with, and we strive to do that through dance. Whether we are preparing you for your wedding or your child's wedding, whether you want to dance for fitness or just for fun, we are here to help you with your goals! We have options to try our studio out and introduce you to our method of teaching, and our trained instructors, so please do not hesitate to contact us with any questions about getting started! Group classes and high-energy dance parties are another big part of our studio, and we can also rent our space to you for your next event. We want everyone to be able to dance, so come to our studio and discover the wonderful experience of social dancing.


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As Championship Week progresses, the big boys will be taking center stage, starting with the five-day, 16-team Big East battle royal that commences Tuesday and concludes on Saturday. Let's take a look at how the Big East stacks up by ATS winning percentage over the past 10 games:
Big East ATS Win Pct., Past 10 Games
Louisville 7-3
Notre Dame 7-3
Seton Hall 7-3
St. John's 7-3
Rutgers 6-3-1
Pittsburgh 6-4
South Florida 6-4
Syracuse 6-4
DePaul 5-4-1
Cincinnati 5-5
Marquette 5-5
West Virginia 4-6
Connecticut 3-7
Georgetown 3-7
Providence 2-8
Villanova 1-9
Despite its improbable loss at West Virginia on Saturday, Louisville enters the tournament winners of five straight ATS. The Cardinals, who have one the four double-byes, await West Virginia, Marquette or Providence, none of whom are above .500 ATS in their past 10 games. Combined, they are just 11-19 (37%) ATS in that span. Odds.
At the bottom of the list is Villanova, which is not only 1-9 in its past 10, but also 1-11 (8%) ATS in its past 12 games. That comes after a run of seven straight ATS wins in January. Villanova faces South Florida on Tuesday. The Wildcats won and covered in their lone meeting with South Florida in January, but the Bulls are a solid 6-4 ATS in their last 10. If Villanova can get past USF, Cincinnati will be waiting. While the Bearcats are 5-5 ATS in their past 10, the five ATS wins are in their past six games (83%). The winner of that matchup on Wednesday will face Notre Dame, another of the double-bye recipients, on Thursday. The Fighting Irish are 7-3 ATS in their past 10 games and an even stronger 9-3 ATS in their past 12 (75%).
Seton Hall, Rutgers, St. John's and Syracuse, all 60% or better ATS in their past 10 games, are clustered together in one section of the bracket, while Connecticut (3-8, 27%), DePaul (0-3-1 ATS in past 4) and Georgetown (5 straight losses ATS) will fight it out for the opportunity to take on top-seeded Pittsburgh (6-4 ATS in past 10). Scores.
While the Big East could have as many as 11 teams advancing to the NCAA Tournament, the Big Ten figures to send six of its 11 members into the expanded field of 68. The Big Ten Tournament runs from Thursday through Sunday. Here is how the Big Ten schools have fared ATS in their past 10 games:
Michigan 9-1
Illinois 6-3-1
Purdue 6-3-1
Penn State 6-4
Iowa 5-5
Ohio State 5-5
Wisconsin 5-5
Michigan State 4-5-1
Indiana 3-6-1
Northwestern 3-7
Minnesota 1-9
Michigan enters the tourney 10-1 ATS in its past 11, but faces Illinois (6-3-1 in past 10) in Friday's 4 vs. 5 matchup. The winner of that game will likely face top-seeded Ohio State, which is an even 5-5 ATS in its past 10, but is riding a four-game ATS winning streak. The Buckeyes will have a favorable matchup both SU and ATS in their opener, regardless of who wins the 8 vs. 9 game featuring Northwestern and Minnesota. These two disappointing squads are a combined 4-16 (20%) ATS in their past 10 games.
Thursday's 6 vs. 11 game between Penn State and Indiana offers some value as the Nittany Lions are 5-1 (83%) ATS in their past six contests while the Hoosiers have dropped five straight ATS. Las Vegas odds.
Michigan State, firmly on the bubble, has shown some signs of life of late, going 4-2 ATS in their past six contests after a dreadful nine-game ATS losing streak. The Spartans take on Iowa on Thursday for the right to play Purdue.


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Fonelink is a free app that lets you send and receive SMS text messages from your computer or tablet at no charge.
Download and Install Fonelink for Android
Here's how you can download the Fonelink app free for Android devices.
1. Go to the Google Play page for the free app Fonelink.
2. Tap the Install button.
Fonelink Fills a Niche
Fonelink is an interesting app. We all send so many text messages that it can run up our monthly bills if we aren't on an unlimited plan. Fonelink syncs your PC's browser with your Android phone, so text messages appear on your phone right away.
It's definitely a different way of doing things. But it offers an attractive option for those looking for a free text message service.
Additional Resources
This article is published as part of the IDG Contributor Network. Want to Join?


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The Chalmers Collection gives you the historic look of gas lighting without the requirement of a propane feed. Inspired by the charming residential lanterns of Charleston and New Orleans, these authentic fixtures are crafted from solid copper, hand-riveted and antiqued. Beautifully designed and detailed, they feature a pagoda-style roof, aged copper candle covers, and a hinged side panel (making it easy to change the light bulbs).Fixture is designed for mounting on a 3" diameter pier-mount post or freestanding post. Post sold separately.Dimensions: 26" H x 12" W. Post fitter: 3". Lighting: This fixture uses three candelabra base bulbs, 60W max (bulbs not included). Wet rated for exposed exterior use.
How to install this product in a typical situation.
All Site Contents ©2015, House of Antique Hardware, Inc. Antique-By-Hand® is a registered trademark of House of Antique Hardware, Inc.


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by Alyssa
(Riverside, RI)
This is our story. We have an inground 16k gallon pool that has been in place for about 20 years. There has never been an issue, until last year.
Click here to read or post comments
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First let me thank you for your wonderful informative website. Only wish I had come across it sooner. We had an extreme rain event that introduced dirty
It starts out clear and progressively goes from light green, to dark green and then to solid black! The other hose from the pool into the filter pump remains clear.
My problem is that I can't get the dead gray looking algae out of the pool.


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The Hudson girls basketball team improved to 8-2 with a convincing 73-54 victory over Austintown Fitch Dec. 29 on the road.
Hannah Boesinger led the Lady Explorers with 23 points and Allison Zullo scored 14 points.
Hudson posted a 53-40 win over Fitch in the junior varsity game. Emmy Klemencic had 19 points to lead the Lady Explorers.
Meanwhile, the Hudson boys basketball team fell to Medina 63-62 in the Hudson Holiday Classic championship game Dec. 29 at Hudson High School's Ray "Buck" Hyser Gymnasium.
Billy Geschke, who was the tournament's Most Valuable Player, led the Bees with 28 points and Brandon Wilkins added 20 points for Medina.
Zack Brandy had 23 points for the Explorers (5-3).
The Hudson ice hockey team earned a 4-1 victory over Dublin Jerome in the Walsh Jesuit Christmas Tournament Dec. 29 at Kent State University Ice Arena.
The Explorers also lost a 4-0 decision to Columbus St. Charles Dec. 29 after losing a 5-2 decision to Sylvania Northview Dec. 28.
For more, see the Jan. 2 edition of the Hudson Hub-Times.


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Josh Trank And Simon Kinberg Talk Fantastic Four Trailer
The director and writer/producer add FFuel to the FFire
From the off, Josh Trank's Fantastic Four has been a riddle, wrapped in a mystery, inside an enigma. And today's enigmatic, elliptical teaser trailer continues that tradition, establishing the tone of Trank's world, but giving very little away in terms of the larger plot. When Empire spoke to Trank and his writer/producer Simon Kinberg ahead of the teaser's debut, they told us that's exactly how they want it.
"We live in a time where there's a required instant gratification from audiences," says Trank, talking exclusively to Empire. "That's a fun challenge in terms of putting together this teaser, picking and choosing how much you're actually giving away."
Kinberg nods in agreement. "What we're doing is quite different, and we want people to get a sense of it. There is a mystery, and the slow immersion into that is part of the experience of what will ultimately be the movie. We wanted it to feel different and represent what's unique about the film. It has a little more restraint, maybe, than some other trailers these days."
Neither man would be drawn on rumours that the rebooted and resuited Fantastic Four won't don costumes during this first film (a sequel is already being prepped for 2017), nor that we won't hear the teams's lurid codenames – Mr Fantastic! The Invisible Woman! The Human Torch! The Thing! – this time around, either. "We want some of that to be a surprise," says Kinberg. "It is in many ways an origin story, but it's also about how they react to this transformation, and the ways the world does or doesn't react to them, which is different, I would say, than all other superhero films."
In the original Stan Lee/Jack Kirby iteration of the FF, the team gains their powers by travelling into space, where they're bombarded with DNA-altering cosmic rays. But Trank's film draws more heavily on the Ultimate Fantastic Four, which abandoned space flight in favour of inter-dimensional travel. It seems fairly clear from shots in the teaser that this is a journey that Reed Richards and his pals also make. "Well, I can say this – our characters go to another dimension," confirms Kinberg. "It was something we discussed from our earliest conversations."
This change in emphasis appears to tally with Trank's determination to root the film, and its science, in a grounded world, and to present the travails of the FF as if they were really happening, to real people. "You can't have the word 'fantasy' or 'fantastical' without a contrast," explains Trank. "It has to stem from a grounded experience. You can't have bad without good, you can't have right without wrong, you can't have fantastic without mundane. You need to experience all that to really earn the title of the film, 'Fantastic Four'."
With the film's August release just six months away, there had been speculation that the lack of imagery from the movie was indicative of a troubled production, and a movie with an unclear direction. And while Kinberg and Trank spoke to Empire during a lunch break on additional shooting for the movie (par for the course on movies like this – Avengers: Age Of Ultron is also going back in front of the cameras around this time), they say that the delay has as much to do with Trank's desire for secrecy as anything else.
Oh, and there is one other, fairly major reason. "We wanted the visual effects to be as complete as possible," says Kinberg. "We know this movie is going to have a little more scrutiny than most, and we wanted to make sure the visuals represented what Josh really pictured for the film. Creating a fully CGI Thing is no easy task!"
Fantastic Four is out on August 6


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Your News Source for the Hilltop
July 13, 2005
Birmingham-Southern, Princeton Baptist Medical Center to dedicate healing garden
BIRMINGHAM, Ala.—Birmingham-Southern College's Southern Environmental Center and Princeton Baptist Medical Center will dedicate a new healing garden for the elderly across from the medical center's campus Monday, July 18.
The ribbon-cutting ceremony will take place at 9:30 a.m. at the garden located at 10th Street Southwest and Tuscaloosa Avenue opposite Princeton Towers, the medical center's housing for the elderly.
The Princeton Healing Garden will combine specially designed visual arts exhibits with fragrance and wildflower gardens to serve as a therapeutic tool for hospital staff, residents of Princeton Towers and their families, as well as function as a community park. It also will serve as an outdoor classroom for local high schools and colleges.
The garden is the first facility of its kind in Alabama and features herbs, fruit trees, and flowers traditionally grown in the '40s and '50s. The front fence is designed to resemble the famous Gee's Bend quilt patterns and the center of the garden will feature a water sculpture.
For more information, call the Southern Environmental Center at 226-4934.


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Story time: one experience paddling with some friends. They in a double rec boat, myself in my day touring kayak. I always have to wait for them. On a road trip, I brought an inflatable kayak and they rented a tandem similar to what they own. They had to wait for me. Inflatable boats are very slow. You can improve this some by getting an inflatable that has some framing with it to maintain rigidity.
Never went through the thought process of rec boat versus inflatable in regards to which can handle conditions better. Guess that maybe you are right that an inflatable could be better. But my default would have been to go the other direction - head more toward a touring boat (which would require some training, which perhaps is a turn off).
We have a women in one of the groups I paddle with who has one of those sea eagles. Its a BARGE. Super slowwwww. I wouldnt consider going on Lake Erie ever with that. In this same group there were two other inflatables that were much better. They looked like a regular kayak and kept up just fine. I cant remember the name but all I can say is forget the Sea Eagle.It looks like something for use in a pool not a lake. I did ask about the cost of the other two inflatables and they were more up around $800 and up and had a frame in them of some kind.
Your talking about this one right? If so forget it.It couldnt keep up with 10 foot rec boats.
whitewater would be safe in the lake. The Innova Safari is rated for up to Class III. http://www.innovakayak.com/store/store.aspx#!/~/product/category=184322&id=465855
Or check out this one for recommended Whitewater IK's
Or, look at inflatable canoes:
Or here:
Any possibility you're underestimating what happens to a kayak in three-foot waves?
One thing I forgot to mention. Inflatables should be washed and dried carefully after each use. Otherwise they start to stink to high heaven due to water that gets trapped between the sides and the floor. Drying them out is a chore.
I have a couple of Innovas, a Helios and a Safari. They are well on par with any rec type kayak and find the Helios much nicer to paddle than a Klepper A2. I surf the Safari quite a bit and Innova boats have been used on some pretty impressive trips.Check out www.theboatpeople.com
edit to add, the Innova boats dry out in about an hour and I have no issues with odor.
While I prefer paddling hardshell kayaks, I have taken my bagboats on all types of public transit. http://i167.photobucket.com/albums/u153/tsunamichuck/Facebook/China%20Summer2011/302454_283534675007370_1739844983_n.jpg
There are not incompetent kayaks, just incompetent people who try and paddle them. Conditions are conditions. People get in trouble in decked sea kayaks as well. There is no "logical progression" as to what you will enjoy. Good to see you thinking about adding float bags.
Have fun watching the keyboard jockeys scream, I am on my way to Okinawa for some island hopping with my kayak and really hoping to get to Lake Khosvogol in Mongolia with an inflatable in August.
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Mitzie Hunter was one the few to secure the Liberal stronghold she was tasked by the Premier to uphold in a series of byelections on Thursday night.
The most hotly contested of five races across Ontario on Thursday, Scarborough-Guildwood saw a close third-place finish from former city councillor Adam Giambrone, who came just shy of the runner-up, PC candidate Ken Kirupa.
Mr. Giambrone's strong showing signals a return to prominence for the formerly disgraced politician who took a three-year hiatus after his 2010 mayoral campaign was cut short by a sex scandal.
Mr. Giambrone was largely mum on his past during the month-long campaign, often referring to his experience as TTC chair in a race dominated by transit issues.
"My record speaks for itself," Mr. Giambrone had said at the onset of the campaign.
Signs plastering the walls of the Liberal victory party at Rembrant Baquet Hall celebrated Ms. Hunter as a "subway champion" — referencing her position in a summer debate over how best to replace the aging Scarborough RT line.
More than 500 people crammed into the lavish Scarborough banquet hall, watching poll numbers trickle in and waiting for their candidate to arrive.
Close to 11 p.m, Ms. Hunter arrived in a blavk SUV with Premier Kathleen Wynne in her entourage.
We together have come so far
"We together have come so far," Hunter said, elliciting a roar from the room.
Earlier in the afternoon Thursday, a stout, bearded man pulled his car to the side of the road and walked over to crosswalk at Lawrence Avenue and Kingston Road where Ms. Hunter and her supporters were spending the final hours of their campaign waving at cars.
"I'm Tony. I voted for you," the man said as he shook Ms. Hunter's hand. "Don't forget about me." Ms. Hunter is the Liberal candidate in the Scarborough-Guildwood riding, replacing incumbent MPP Margarett Best whose June departure from office sparked the Thursday byelection.
As voters filed out of a polling station — a block away from Ms. Hunter's roadside stunt to "remind" constituents to vote — many shared the same sentiments as Tony.
"Right now, they ask for out votes … but politicians don't give a shit about us, the poot people," Enken Astaw said before voting at St. Margaret's Church on Lawrence Avenue.
Ms. Astaw was voting for "the young one" — Mr. Giambrone. Ms. Astaw said she was drawn by the man's youthful persona. "Maybe he'll change something," she said.
Both Mr. Giambrone and Ms. Hunter spent the precious hours on Thursday afternoon handshaking on the street to "pool the vote" — absent the ability to vote themselves, since neither lives in the riding.
Unlike his competitors, Mr. Kirupa dedicated Thursday evening to spending time with his family, and heading to the polls.
Though Mr. Kirupa's legitmacy as a Scarborough-Guildwood resident was challenged over the course of the campaign– not surprising in a race that saw the NDP riding association undermine the validity of their own candidate's nomination and the PCs and Liberals bicker over broadcaster John Tory's endorsement.
But the rickety Scarborough Rapid Transit line remained the prominent campaign issue, with Mr. Giambrone staying on the fence while both Mr. Kirupa and Ms. Hunter postured as champions of a subway extension. "I'm personally hoping for a change," retiree Rob Burridge said of the historically Liberal riding.
Mr. Burridge, who was volunteering at a hamburger stand at a Scarborough farmer's market Thursday, said he was undecided until ongoing revelations on the Liberal gas plant scandal swayed him towards the Tories.
Addressing the crowd at Ms. Hunter's party, Premier Wynne attributed her three losses in former Liberal ridings on Thursday to the ongoing saga that has plagued her government since before she took office.
"The fact is, people are angry about the gas plants issue," she said. "That message was sent tonight…. As a member of the government that made those decisions, I could not be more sorry."
Asked how the Liberals prevailed in Scarborough-Guildwood despite anger over the scandal, the PC candidate took aim at the timing of the byelection — the Thursday before a long weekend when many are on vacation.
"September would have been different," he said. "If residents are angry, they have to go and vote against the government. But obviously some people stayed home."


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A great winter holiday: Carnival Spirit Cruise Review by carofil
Overall Member Rating
A great winter holiday
Destination: South Pacific
Embarkation: Sydney (Australia)
When Carnival Spirit first sailed into Australia, I couldn't wait to see what local people thought of her as a cruise ship in our waters. The reviews started to finally appear on CruiseCritic...and they didn't seem to be shaping up too well!! I remember thinking it would be nice to have a permanently-based ship here that led the way, but instead it looked as though it wasn't going to win too many friends if Carnival didn't lift their game!
Well, it seems things had changed somewhat in recent times. I started doing a bit more research late last year and by taking an average member rating over the last 25 cruises, The Spirit came out on top of all the local cruise ships in the same class doing the same types of cruises!! With this in mind I thought things were starting to look up a bit!!
In April 2013 my wife and I were due to sail from Sydney to Hawaii, but at one point it appeared that I may not be able to go. It was More then that I offered my 29 year-old son, Michael, the opportunity of taking the cruise in my place. It didn't take a lot of persuading for him to get used to that idea, so he was ready to be my substitute!! Fortunately for me...but unfortunately for Mike...my original plans were reinstated in time for me to go...so he missed out!!! With that in mind, as a sweetener, we promised him another cruise down the track!
That little preamble now brings us up to date with the 10-night cruise to Vanuatu and New Caledonia aboard the Carnival Spirit that Mike and I disembarked from on the 25th June.
Having cruised quite a lot, especially over the last 5 years and having submitted reviews for several of these cruises, I may not have put in a review on this particular cruise were it not for the review submitted by Gail, "Carnival - v - P&O"!
As I said before, I carried out a fair bit of research before booking this cruise, as I wanted the experience to be positive for Mike...and myself!! This was in fact to be the cruise that was the one to make up for him missing the Hawaii cruise. Ok, not quite up to Hawaii standards, destinations-wise or length-wise, but 10 nights would be good for him to see if this type of holiday suited him!!
At this point, I think it is very important for us all to remember that our perception of a cruise is always going to be very subjective. In other words, what we like, may not necessarily be what someone else will like and vice versa. This has always been the same for food, entertainment, activities, a good book, music, etc., etc., etc......you could keep going on!!
I think Gail felt that because she and her husband didn't like the Spirit experience, that most other people would be in the same position, especially if they had cruised other cruise lines...and even more so if they had cruised P&O!! Well, Mike hadn't cruised before, but I had, and this was my eighth in 5 years on 4 different lines including P&O!
I have to say, I have never experienced a bad cruise, even ones that date well back past the last 5 years to when cruising was really transportation from point A to point B!! Now, I know there are some horror stories out there that would curl your hair, and how glad I am that I haven't been on one of those cruises! The cruises I'm talking about do not involve a lack of toasters, a decor not to my taste or no 'friend' eggs...but matters to be really concerned about!! Whilst mentioning the eggs, I think Gail meant 'fried' eggs! So let me tell you, don't be worried, at breakfast there are plenty of eggs!! Poached eggs, boiled eggs, eggs benedict, scrambled eggs, fried eggs and beautiful design your own omelettes cooked while you wait! As for the fried eggs, they are prepared to your preference by the person making the omelettes, as on a lot of other cruise ships!!!
As I have previously mentioned, before booking our cruise, I had carried out a lot of research to ensure this cruise would be suited to both Mike and myself. The one thing I didn't want Mike to say after the experience was, "well, that's enough cruising for me thanks, Dad"!!! Now, my research always involves the following: Reading a lot about the ship and the cruise line if I haven't sailed with them before, looking at exterior photo's and lots of interior photo's, reading and sifting through a lot of reviews and talking to people who have sailed on the ship previously if you find them. With this research behind me we boarded the ship being fully aware of what would greet us! There were no surprises with the gaudy decor, which to me it is!! I must admit, whilst first researching, I did have a few misgivings about whether this was the ship for us, but after looking at the whole package and reading lots of reviews I decided not to make the decor a deal-breaker...and I'm so glad I didn't!!!
Just a mention of the separate buffet stations scattered around the deck 9 dining area. What this achieves is a speed-up in the line movement due to the fact that you don't have 100 people lined up in front of you all waiting for basically the same things. You are through the line so much faster and if the buffet that you are on doesn't have what you are looking for, you go to the one that does. The lines are always relatively short. A good tip, try and stay away from the buffet during peak times and you will breeze through without delay! Yes, trays are a thing of the past with so many of the cruise lines now. The solution: one plate at a time and that will help your food to remain hotter!! My experience with the long, slow line of hungry cruisers lined up at the P&O buffet showed no difference in food temperature! The other downside of the long line is, if you have forgotten something...oh, darn...I'm not going to get back into that 1960's style cafeteria line again!!! Forget it!!!
Another point about the Spirit lunch time buffet menu. Believe me it changed! The reason some of the items remained on the menu was that they are favourites! Carnival aren't stupid, if people aren't eating a particular food item, it won't be put out just to be thrown out and go to waste. They have to make a profit out of the whole exercise!!
If you are like Gail and prefer to have the P&O (Australia) experience (old hand me down ships!), then you would be better to stick with what you like, because all the modern large ships use multiple small serving stations or island buffets and most times no trays. It's just a matter of getting used to a little bit of change! It is the way of the future...they call it progress!!! Incidently, our cruise on the P&O Pacific Pearl was an excellent cruise. Whilst not a long cruise (4 nights) it was very enjoyable. As I have said before, we haven't had a bad cruise...it's always been what we chose to make it!
Now, I'm not sure what circles that Gail and her husband moved in, but it seemed that EVERYONE was pretty much saying the same thing, and if they weren't, they must have been first time cruisers...because they had nothing else to compare it to!! What they were saying was, "the food and decor were terrible"!!! I found that strange, because that wasn't what I was hearing! In fact, I didn't hear one person mention anything about the decor, even though it wasn't to my taste!! Remember how I said things like decor are subjective? I guess we all just got used to it and didn't want it to spoil our cruise experience! How boring would our world be if we all had the same likes and dislikes? As for the food, we all have different tastes, what you like may not be to my liking and vice versa. No doubt that is why there is such a variety of food presented. Every one of the six people at our Empire Dining Room table absolutely enjoyed the dinner there every night they attended (which was most nights)...and some of the desserts were to die for!! Incidently, when you dine at a first class restaurant, you don't walk in and expect to be served, finished and out of there in under an hour. It is a fine dining experience, and these things should be savoured and enjoyed! If it all takes too long for you, you are better off going to a fast food joint (like the pizza servery!) where you can have YOUR personal experience!!
As for the television programming (or lack thereof!), we don't go on a cruise to sit, or lie down, and watch TV all day...we can do that at home for much less cost!! What Mike and I noticed was that there were more than four movies over our 10 Night cruise, which were screened multiple times during the day so that everyone had the opportunity of viewing it should they choose to do so!! We can't say exactly how many there were, but we did see that it was quite a bit more than four. As well, there were two movie channels, one catering to Kids and one to Adults.
My responses to Gail's comments have taken quite a bit of time and space. No doubt I may have missed some points along the way, but for Mike and myself, this cruise experience was like it has always been for me....absolutely enjoyable! If you have a question in your mind about whether Carnival would be a suitable cruise line for you, do your research, go in with an open mind and don't let anything or anybody put you off enjoying your experience!! Concentrate on the positives, happy cruising and Fun, Fun, Fun!!!
Phil Less
Published 07/07/14
Cabin review: 4120
A comfortable cabin for two people. Great views out french doors when tender has been removed!!
Read Cruise Critic's Carnival Spirit Review >>
Great Itinerary in the S. Paci...
Relaxing value for money cruis...
Cool cruising
Cool cruising
Letting you know
Fantastic Holiday
Just OK....
No sunshine of us
Review July 6-10, 2017 Lots of...
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John Romig Johnson, Ph.D, NCPsyA, IAAP, NYAAP
Jungian Psychoanalyst
1020 Tyron Circle, Charleston, South Carolina 29414
An addiction is a disease in which one compulsively uses a substance which he or she cannot control and in spite of negative consequences continues to use it. Other forms of addiction counseling are needed for physical dependence and medical issues. My approach is to examine the symbolic, metaphorical meaning of the addictive substance and its use and to explore the inner meaning and motivation for such behavior. I believe insight orientated psychotherapy can assist in long term recovery and lead to greater self awareness and control.
Carol Erb, Ph.D
AACC Board Certified Christian Counselor
2015 Boundary Street, STE 211-213, Beaufort, South Carolina 29902
We are Certified in Pornography and Sexual Addictions Recovery. If you are struggling with a serious marital betrayal issues such as texting, viewing explicit graphics, hiding phone calls, cheating, keeping secrets and telling lies, it's time to stop the arguing and threats. We'd like to help you rebuild trust and intimacy so that you can have a marriage where you reconnect and are happy again. We offer a team approach with male and female practitioners working with both husband and wife in couples sessions.


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EMD Millipore γ-Interferon, Mouse, Lyophilized, Recombinant Protein, E. coli
Manufacturer: Millipore Sigma 40732020UG
Specifications Description & Specifications
|Reconstitute with sterile water to ≥100μg/mL, containing 0.1% HSA or BSA. Further dilute with aqueous buffers just prior to use.
|E. coli
|Following reconstitution, refrigerate (4°C) for short-term storage or aliquot and freeze (−20°C) for long-term storage. Stock solutions are stable for 2 to7 days at 4°C or for up to 4 months at −20°C. Avoid freeze/thaw cycles of solutions.
|Lyophilized from 0.5X PBS, pH 7.2.
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text: To follow-up on what Peter said on this subject, Mathias Point was one of two main bases that were established by the Confederate Signal Corps and Secret Service commanded by Major William Norris. The bases were part of what the Rebels called the "Secret Line" along which agents of the South could move back and forth between Richmond and Washington on up to New York and as far as Canada. One example is that Mary Surratt's son John traveled this route as an agent/courier between Richmond and points north. Mathias Point is located on the Virginia side of where the Route 301 bridge crosses the Potomac from Charles County, MD to King George County, VA. The other main SCSS base was near Oak Grove, a few miles south of Mathias Point. Agents, foreign visitors, mail, newspapers, contraband goods, etc. traveled along this route. It has been pretty-well demonstrated that the Confederate SCSS was directly involved in the planning to capture Lincoln and spirit him along this route through Southern Maryland to Virginia. There is evidence that SCSS personnel were primed for this to happen. There is no smoking gun, however, that the authorities in Richmond conspired with Booth to assasinate the president. Although, Booth was helped by Confederate agents to escape along this route into Virginia after the assasination. Tom Ryan P.S. Whether or not Richmond was directly involved in Lincoln's assasination, the man responsible for Confederate foreign (including the United States) covert operations, Secretary of State Judah P. Benjamin, burned all of his records when Richmond fell and left the country as fast as possible -- never to return. As far as I know, Benjamin, who settled in Great Britain, did not write a memoir which clarified his role, if any, in the assasination. -------------------------------- The place where Ward attacked on the Va shore of the Pot Rv was a very important Conf Secret Service base, or that of the Torpedo Bureau. The S shore was lined with them throughout the war. This particular base was on the spy/courier route that Booth used in his escape. They kept the Md agents apprised of the events in VA among other things. I think it was raided a number of times. Your Most Obedient Servant, Peter


text: New releases from White Mountaineering's 2011 spring/summer collection make their way to Italian retailer Slam Jam. Varied in style, the drop includes a solid assortment of designs, including several outerwear options and plenty of Nordic pattern knitted garments. All of these goods are now available for purchase through Slam Jam online.


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Watertown Branch YMCA
415 S 8th St
Kay Nord, Executive Director
Hours of Operation:
415 S 8th St
Watertown, WI 53094
Phone: 920-262-8555
Kay Nord, Executive Director
Dan Stukenberg, Chief Volunteer Officer
Hours of Operation:
Sunday: unknown
Monday: unknown
Tuesday: unknown
Wednesday: unknown
Thursday: unknown
Friday: unknown
Saturday: unknown
Participates in:
- The YMCA AWAY Program
Copyright © 2017 YMCA of the USA. All rights reserved.
The YMCA is a nonprofit organization whose mission is to put Christian principles into practice through programs that build healthy spirit, mind and body for all.


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Edit Article
wikiHow to Sterilize Baby Bottles
Two Methods:Sterilizing Your Baby BottleUtilizing Other OptionsCommunity Q&A
When bottle feeding your newborn, it is important to make sure the supplies you are using are clean. Find out why and how sterilizing your baby bottles is the best way to clean them.
Sterilizing Your Baby Bottle
1Know when you need to sterilize. Although it never hurts to be extra clean, sometimes going through the work of sterilization is unnecessary.
- Historically, water has never been filtered as much as it is today. That means mothers of the past had to deal with bacteria in the water contaminating their baby bottles. Today, unless you know your water has bacteria in it, you may not need to sterilize it for this reason.
- No environment is completely sterile. Therefore, although you may sterilize a bottle, it will likely come in contact with bacteria from your hands, air, counters, etc. [1]
- Soap and water is often all that is necessary to thoroughly clean a bottle, making further sterilization superfluous.
- It is safe to sterilize baby bottles before the first use after purchase from a store, as well as after extended periods of disuse or if your baby was recently ill.[2]
2Pour water into a pot to boil. You will need to pour enough so that the bottle(s) as well as the nipple(s) are completely submerged.
3Separate bottle parts. Remove the nipples or tops from their bottles.
4Wash bottles with soap and hot water. This is to clean any preliminary grime or bacteria that may have found its way onto the bottles. Do this while bringing the pot of water to a boil.
5Place bottles and all parts into the boiling water. The bottles should be completely submerged, and left to soak for at least ten minutes. This allows time for the bottles to be completely cleaned of any remaining bacteria.
6Remove bottles from the boiling water. Use metal tongs to grab them and place them to dry upside-down on a drying rack.
7Use the baby bottle. The process of washing and boiling removed any harmful bacteria from the bottles, but being placed back into a natural environment removes any sterility they had. This is fine though, as all homes house bacteria which is important for helping a baby's immune system to develop. If a bottle is not used immediately, put all the parts back together and store in a covered area to keep from the insides being contaminated.[3]
Utilizing Other Options
1Use a dishwasher to clean bottles. The heat from the washer is often all that's necessary to completely clean a bottle. Unlike boiling the bottles, it does not remove all bacteria though.
2Use a microwave to clean a baby bottle. Wash the bottle parts with soap and water, and place them in the microwave separately. Run for about ninety seconds and allow time to cool.
3Use cold water sterilization. Purchase non-toxic sterilization tablets produced by companies such as Milton and dissolve in a container of cold water. Allow bottles to soak in the water for a minimum of thirty minutes. They can be rinsed when finished, but are safe to use immediately afterwards. [4]
Community Q&A
Won't the nipple melt?wikiHow ContributorNo. Bottle nipples are designed to withstand normal sterilization methods.
Do I need to rewash bottles and nipples after sterilization?No, sterilizing them is the safest. By re-washing them you will put germs back on the bottle.
Is any kind of feeding bottle safe to sterilize in the microwave or does it require a bottle which is microwavable safe?wikiHow ContributorYes, the bottle should be microwave safe.
Does steaming the bottles do the same thing as boiling them?wikiHow ContributorYes!
Unanswered Questions
Do you clean pacifiers the same way?
Ask a Question
200 characters leftSubmit
If this question (or a similar one) is answered twice in this section, please click here to let us know.
|Guide and suggestions on cleaning baby bottles, nipples, pacifiers and washing breast pump parts.
- Many companies also sell sterilizers for specifically this purpose. They work in a similar way (using water and high temperatures), but often have features that make them more convenient (timer, etc).
- Sterilize pacifiers on a regular basis to avoid bacteria spread, especially if the infant has a cold or the pacifier has been dropped on the ground.
Sources and Citations
- ↑ http://www.webmd.com/parenting/baby/should-you-sterilize-your-babys-bottles
- ↑ http://www.parents.com/advice/babies/safety/should-i-sterilize-baby-bottles-after-every-use/
- ↑ http://www.babyzone.com/baby/feeding-baby/bottle-basics-advice_65373-page-2
- ↑ http://www.babycentre.co.uk/a554982/sterilising-bottle-feeding-equipment
Article Info
Categories: Baby Bottles and Formula
In other languages:
Français: stériliser un biberon, Italiano: Sterilizzare i Biberon, Español: esterilizar biberones, Deutsch: Babyflaschen sterilisieren, Português: Esterilizar Mamadeiras, Русский: стерилизовать детские бутылочки, 中文: 给奶瓶灭菌, Bahasa Indonesia: Mensterilkan Botol Bayi, Nederlands: Babyflesjes steriliseren
Thanks to all authors for creating a page that has been read 918,061 times.
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This feat was accomplished using the PaleoCSM, a version designed for the study of past climates. The problem may seem outside of the paleoclimate group's purview, but group head Bette Otto-Bliesner says, "The one criticism we'd gotten at meetings was, You're really not getting [ENSO] right in your present-day simulations, so how can you possibly know if you're getting it right for past climates?" In their quest to get ENSO right, Otto-Bliesner's group made several important tweaks to the PaleoCSM, following up on the results of a divisional experiment and input from CGD ocean modeler William Large. They ran the new version for a 150-year period under preindustrial conditions.
The output shows a series of El Niñolike warmings in the central and eastern tropical Pacific occurring about every two to four years. This is very close to the frequency of actual El Niños during much of the 20th century, notes Otto-Bliesner, although their frequency has increased in recent decades.
Sea-surface temperatures from the eastern tropical Pacific, which modelers call the Niño-3 region, show that the El Niños in the model tend to be moderately strong: comparable to the 198687 event and about half as strong as the 198283 or 199798 events. The modeled El Niños tend to unfold in a sequence very much like that of their real-world counterparts, peaking within a month or so of January.
Especially encouraging, says Otto-Bliesner, is that ENSO is well portrayed not only at the ocean surface but in three dimensions. Cold underwater anomalies pushed down by El Niño move west across the Pacific, then bounce back eastward to help cause the event's demise a few months later. The new findings are consistent with two of the leading theories behind El Niño formation, the "delayed oscillator" concept and the "buildup" hypothesis.
Along with increasing the north-south resolution across the Pacific, Otto-Bliesner and oceanographer Esther Brady (CGD) made two other key changes to the PaleoCSM:
Otto-Bliesner's group is now going to try to simulate ENSO during the last glacial maximum and the period 80 million years ago. "The CSM is doing a good job now," she says, "not just in the Niño-3 [region] but in the whole geographic pattern of ENSO."
|This figure shows the realistic simulation of the El Niño/Southern Oscillation by the PaleoCSM. Top figure shows December-January-February anomalies of precipitation (millimeters/day), sea-level pressure (millibars) and surface wind, sea-surface temperature (°C), and equatorial ocean temperature (°C) for a composite of 13 El Niño events in the CSM. (Illustration courtesy Bette Otto- Bliesner.)
Edited by Carol Rasmussen,
Prepared for the Web by Jacque Marshall
Last revised: Wed Feb 7 15:34:33 MST 2001


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Discussion in 'Fan Zone' started by Gryphon, Dec 5, 2012.
Unless, of course, you learn football.
I bet you're better at it than I am. It's a common mistake. I was just chiming in.
I think I had the Cowboys at 8-8 before the season started.
But can you blame the fans for being upset at the current 6-6 record. Sure most figured this would be a tough season, but you don't really want to see it happen. I've always said, the Cowboys give you just enough to keep your hopes up and right when you think they're turning the corner-BOOOOOM reality check.
I think at this point of the season, and it's just my opinion..People are getting tired of getting their hopes up every season. People are starting to put a mental block in preparation of the seemingly inevitable collapse.
Thanks, just having fun.
I am going to be honest with you, if I don't go back a page I don't even know what he posted beyond the word lead instead of led. I am sure the word THE is in there somewhere. I could not even posit a guess on the rest of his post. You're the one calling it negative, not me.
In other words, the only thing I noticed was the mistake, which wasn't that big of a deal. I've done the same thing over people using "loose" in place of "lose."
You're making it bigger than I did simply because you don't like me. I seriously doubt you would if anyone else pointed it out.
I had a nice convo with the guy afterwards. He and I have not grabbed gauntlets and challenged each other to a duel. Perhaps you could lighten up like you did over the joke. I admire that you did that.
No there are a few posters on here that I would have said that too as well, it's nothing personal, we all have our views regarding the Cowboys. Several times attacks have been made on both sides so I don't get too uptight about it unless it gets personal. It is what it is. There are always going to be a war of words over the internet especially when it involves the Cowboys. I take you for your word if you say you didn't see what he said, no big deal, I can admit when I'm wrong.
No sweat man. Just like Redskins fans having sex, no sweat.
Just noticed, wrong thread. Oh well, message received.


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First, let me thank Manuel Kasper for creating m0n0wall!!!
Now to my challenge.
I am configuring a wireless network (172.16.1.0/30) and want to run IPSEC
over the connection. One end (172.16.1.2) will have only a wireless
connection, so that is its default route. When IPSEC is active, I want the
default route to now traverse this tunnel. Any easy way to accomplish
this, perhaps by modifying config.xml and loading it back up to the
Or am I taking the wrong approach and need to look at another approach?
Neil Schneider pacneil_at_linuxgeek_dot_net
Key fingerprint = 67F0 E493 FCC0 0A8C 769B 8209 32D7 1DB1 8460 C47D
Clothes make the man. Naked people have little or no influence on society.
-- Mark Twain


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Ludovica's Feedback on 5 Days Yichang, Yangtze, Chongqing Tour
Contribute by Ludovica from ; Tour date: 5/28/2014
Dear Vanessa,
Thank you for you email: everything was perfect during the cruise and the staff was amazing, I would actually kindly ask you to pass my comment about the staff to the cruise company.
On the other side, we had a breakfast also on the fifth day which was very helpful.
Thank you again and all the best!
Travel Advisor of This Tour
Travel Advisor
" Hello, my name is Vanessa. I am a travel advisor at China Travel. I worked as a travel advisor for 5 years and helped more than 1300 international tourists ... "
Tour Overview
- 5 Days Yichang, Yangtze, Chongqing Tour
- Tracking Code: VA140225005
- Customers: Mr. Ludovica
- Group Size: 1 people
- Nationality:
- Duration: 5 days
- Tour Date: 5/28/2014
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The incumbent Republican senator has experienced double digit declines among Republican, Democratic, and independent voters in the state. Currently, 55 percent of Arizonans say they disapprove of his job performance compared to 34 percent who approve. The fresh numbers represent a 27 percentage point drop in his approval rating since September. The poll also found that McCain has lower approval ratings than President Obama in Arizona.
Sen. John McCain's popularity has plummeted among voters in Arizona, according to a survey from Public Policy Polling released on Wednesday.
Current Status: Blessed (1)
Seeded on Thu Apr 29, 2010 3:53 AM
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some awesome TDS pics here
Discussion in 'Pacific Region' started by BranndonC, Mar 9, 2006.


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July 22 2017 Latest news:
Ed Foss, Senior writer
Monday, December 13, 2010
Savers will be given more freedom, according to the government, thanks to a planned removal of the obligation to buy an annuity with money saved in a personal pension.
From next April there will be a range of other options, which include continued investment or using a concept called "income draw-down".
But limits will be imposed on the amount of money most pensioners can take from their fund at any one time.
An annuity provides an individual with a guaranteed income for life, but can be unpopular because none of the cash passes to the person's estate when they die.
The government is now on the verge of taking away the obligation of people buying an annuity by the time they are 75.
John Mee, director of Lovewell Blake Financial Planning, welcomed the "extremely good news" that the government had relaxed the need to buy a pension by the age of 75.
It was a provision that reflected, he said: "Closet thinking by insurance companies that you must always buy an annuity".
But he was critical of two other aspects of the changes. The requirement to have a pension of £20,000 a year before being able to draw cash implied that people had a pension pot of at least £250,000.
"This is far too high a limit," said Mr Mee.
"Many people have other income in retirement such as from property, or they might have a business or other assets they're planning to sell in the future.
"It is not realistic to prevent those in this situation drawing on some of the cash in their pension pot."
His other criticism was on the 55pc exit charge or tax on a pension pot remaining when the holder dies, with the only exemption for donations to charities.
"It would make much better sense for the pension pot to pass down to the next generation with a requirement for them to retain the money for this purpose," said Mr Mee. "In this way you would build up a pension fund within a family, moving towards a longer term solution to the need to generate adequate pension provision."
And Michelle Mitchell, Age UK's charity director, said: "Many people, particularly the relatively wealthy, will welcome proposals to liberalise the way in which they draw their pension savings.
"However we are extremely concerned about the very significant costs and risks involved with the government's proposals to allow more people to draw income directly from their funds.
"These risks include the mis-selling of complex and expensive alternative products, damage to the annuity market, and real hardship for many pensioners in the future if the value of their investments falls or they live longer than expected.
"If the proposals go ahead, the government and regulators must ensure that anybody considering new ways of drawing their pension is fully informed of the potential risks and expense."
Stephen Berry, tax specialist at NFU Mutual, said the rules would bring greater financial control to people at age 75.
"The proposed changes to pension legislation appear to be simpler than earlier proposals and should be welcomed in the main.
"Taking away the age ceiling for most lump sums, and removing the need to buy an annuity from a direct contribution scheme, will create greater flexibility for pension holders.
"One of the less favourable changes is the decision to increase to 55pc the tax rate on all lump sum death benefits, other than for those who die without taking a pension before age 75."
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- Non-slip elastic hem for comfort
- Can help you drop one dress size
- Suitable for wearing under evening wear or everyday attire


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Global Issues and the Structure of the Sustainability Revolution
January 30, 2013 11:50 AM - January 30, 2013 12:50 PM
Location: MP 319
Event Type: Global Issues Lecture Series: Sustainability
Dr. Art Whatley talks about "Global Issues and the Structure of the Sustainability Revolution." Join us for this free lecture.
Lunch will be served.
Co-Sponsored by HPU's Global Leadership and Sustainable Development program, HPU Social Sciences department, Pearson Publishing, and HPU PeaceJam.
For more information contact Dr. John Davidann.