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Expanding renewable energy target 'a benefit'Lenore Taylor
Published: November 13 2012 - 3:00AM
THE $10 billion Clean Energy Finance Corporation will not deliver additional clean energy by 2020 but will just shuffle renewable energy investment from wind power to solar, new modelling says.
But the modelling found the ''green bank'' could deliver ''bang for its buck'' if the government expanded the renewable energy target to apply to the projects it funded.
Two sets of modelling for the WWF and the Australian Solar Council found the green bank's proposed $2 billion a year in investments would drive no additional renewable energy investment by 2020.
But expanding the renewable energy target - which requires electricity providers to source 45,000 gigawatt hours of power from renewable sources by 2020 - could see Australia generate an additional 3 per cent of its electricity from renewables (26 per cent rather than 23 per cent) without any change to government spending and without hitting electricity prices.
The green bank is intended to provide both commercial and subsidised loans to big clean energy projects, but from its inception, green groups argued that while the carbon price was still relatively low the projects would also need the additional ''leg up'' from the ongoing effective subsidy of being included in the government's renewable energy target.
The modelling shows, if the target was expanded, both wind and solar photovoltaics would get a boost, substantially reducing emissions. And it argues because renewables, especially solar, reduce peak demand and lower wholesale prices, this would offset a slight increase in retail prices from the move - resulting in no net increase for household power bills.
''There is an opportunity for the CEFC to have a greater benefit … at potentially no additional cost to the public,'' said WWF climate change manager, Kellie Caught.
The chief executive of the Australian Solar Council, John Grimes, said even though solar would be the winner under current policy settings, it made sense to boost renewables overall.
The modelling will be provided to the Climate Change Authority which is reviewing the RET, with industry groups and state governments arguing it should be wound back rather than expanded.
This story was found at: http://www.smh.com.au/environment/energy-smart/expanding-renewable-energy-target-a-benefit-20121112-298h0.html


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Francona looking forward to first team meeting with Tribe
GOODYEAR, Ariz. -- Indians manager Terry Francona is not big on calling team meetings, but he is looking forward to the one he has planned for Friday morning. It will be Francona's first chance to speak to his new team as a group.
"For me, it's the biggest meeting of the year," Francona said on Thursday. "It sets the tone for how we want to do things. It's an important day."
Cleveland's position players reported on Wednesday and went through mandatory physicals on Thursday. Friday will be the first time the entire team will be gathered this spring. Francona will have various members of the organization speak to the players.
Francona said his own message to the team will be a simple one.
"Basically, in a nutshell, we don't want to reinvent the wheel," Francona said. "We just want to do it better than other people. There are ways to do that -- like outworking. I would imagine that [Tigers manager] Jim Leyland or whoever, they're probably having the same [message]. It's just whoever does it better.
"That's an important part of our staff: trying to create an atmosphere where these guys want to show up every day and do the right thing. That's a really important thing. You just can't take it for granted. It's easy on a day like today when it's 65 [degrees] and sunny, but there's going to be days when it's rainy and windy and you want the guys to go out there and fight through it.
"There's days they wake up and they don't feel good, but they've got to want to show up and do the right thing. It's a mentality. It's an atmosphere. It's just a way to get everybody on the same page so they understand expectations."

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Amelogenesis Imperfecta
National Organization for Rare Disorders, Inc.
It is possible that the main title of the report Amelogenesis Imperfecta is not the name you expected.
General Discussion
Amelogenesis imperfecta (AI) refers to a group of rare, inherited disorders characterized by abnormal enamel formation. The term is restricted to those disorders of enamel development not associated with other defects of the body. In AI, the layer of enamel is thin so that the teeth appear to be discolored, showing the color of the materials under the enamel. The teeth usually appear brown or some variant of that color.
Clinical researchers usually classify AI into four main types of which 14 subtypes are recognized. The main types are based on enamel effects and the subtypes are based on clinical appearance and mode of inheritance. The main types are: hypoplastic (Type 1); hypomaturation (Type II); hypocalcified (Type III); and hypomaturation/hypoplasia/taurodontism (Type IV). Amelogenesis imperfecta may be inherited as an X-linked, autosomal dominant, or autosomal recessive genetic trait, depending on the type.
Supporting Organizations
Genetic and Rare Diseases (GARD) Information Center
- PO Box 8126
- Gaithersburg, MD 20898-8126
- Tel: (301)251-4925
- Fax: (301)251-4911
- Tel: (888)205-2311
- Website: http://rarediseases.info.nih.gov/GARD/
NIH/National Institute of Dental and Craniofacial Research
- Building 31, Room 2C39
- 31 Center Drive, MSC 2290
- Bethesda, MD 20892
- Tel: (301)496-4261
- Fax: (301)480-4098
- Tel: (866)232-4528
- Email: firstname.lastname@example.com
- Website: http://www.nidcr.nih.gov/
For a Complete Report
This is an abstract of a report from the National Organization for Rare Disorders (NORD). For a full-text version of this report, go to www.rarediseases.org and click on Rare Disease Database under "Rare Disease Information".
The information provided in this report is not intended for diagnostic purposes. It is provided for informational purposes only.
It is possible that the title of this topic is not the name you selected. Please check the Synonyms listing to find the alternate name(s) and Disorder Subdivision(s) covered by this report.
This disease entry is based upon medical information available through the date at the end of the topic. Since NORD's resources are limited, it is not possible to keep every entry in the Rare Disease Database completely current and accurate. Please check with the agencies listed in the Resources section for the most current information about this disorder.
Last Updated: 4/19/2008
Copyright 2006 National Organization for Rare Disorders, Inc.
This information does not replace the advice of a doctor. Healthwise, Incorporated, disclaims any warranty or liability for your use of this information. Your use of this information means that you agree to the Terms of Use. Learn how we develop our content.
Healthwise, Healthwise for every health decision, and the Healthwise logo are trademarks of Healthwise, Incorporated.


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I bought The Mat for my very first try with fondant and it was amazing.
The fondant was perfect on the 8-inch round cake, no bubbles, no ruffles, no ridges. The Mat is a must for anyone working with fondant, amateur or professional. Why complicate matters when there's such a simple, fool-proof tool! I am a self-taught lifelong hobbyist but I strive for professional-level results and I am glad I bought The Mat for my first time working with fondant.
You have no items in your shopping cart.
Sized for the HOME decorator. 22" X 22" Works perfect for HOME based cake artist with more limited work-space - cover up to a 12" cake.
THE ONLY FOOD SAFE VINYL FONDANT MAT AVAILABLE - This patent pending 2-mat system is a revolutionary way to roll out and cover cakes with fondant. Use this Food Safe tool and our method to make a Fondant cake and get professional results instantly!
About THE MAT…. similar plastic or vinyl products are petroleum based and contain phthalates that are used as a plasticizer. Both are known to create health problems and concentrations of these can build in the body over time. Most if not all similar plastic products are made in China and use petroleum oil and contain phthalates and heavy metals like mercury and lead. If you unroll similar plastic products and smell the plastic, you'll smell a strong chemical or petroleum order. If you smell THE MAT in comparison, you'll notice a nice clean smell similar to plastic food wraps.
We chose to have THE MAT manufactured in US so we could be absolutely certain that THE MAT is made of food safe materials and manufactured in a food safe environment. THE MAT is made with soybean oil and other food safe components that are listed as food safe in Code of Federal Regulations. The Code of Federal Regulations (CFR) is the codification of the general and permanent rules published in the Federal Register by the executive departments and agencies of the United States Federal Government. Title 21 Sections 174 - 182 is the section of the CFR that pertains to materials and substances that are determined to be food safe.
THE HOME MAT - The Ultimate Fondant Application System
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A Stress Link to Lupus
September 20, 2017,
Folic acid is a type of B vitamin. It is the man-made (synthetic) form of folate that is found in supplements and added to fortified foods.
Folate is a generic term for both naturally occurring folate found in foods and folic acid.
Folic acid is water-soluble. Water-soluble vitamins dissolve in water. Leftover amounts of the vitamin leave the body through the urine. That means your body does not store folic acid and you need a continuous supply of the vitamin in the foods you eat.
Recent findings and perspectives on medical research.
Since 1998, the federal government has required that almost all flour be fortified with the supplement but the levels are below those recommended by some experts.
Folic acid; Polyglutamyl folacin; Pteroylmonoglutamate; Folate
Folate helps tissues grow and cells work. Taking the right amount of folic acid before and during pregnancy helps prevent certain birth defects, including spina bifida. Folate also helps prevent anemia.
Folate deficiency may cause:
It may also lead to certain types of anemias.
Folate works along with vitamin B12 and vitamin C to help the body break down, use, and create new proteins. The vitamin helps form red blood cells and produce DNA, the building block of the human body, which carries genetic information.
Folic acid supplements may also be used to treat folic acid deficiency, certain menstrual problems, and leg ulcers.
Folate occurs naturally in the following foods:
Fortified means that vitamins have been added to the food. Many foods are now fortified with folic acid, including enriched breads, cereals, flours, cornmeals, pastas, rice, and other grain products.
Too much folic acid usually doesn't cause harm, because the vitamin is regularly removed from the body through urine.
The best way to get the daily requirement of essential vitamins is to eat a wide variety of foods. Most people in the United States get enough folic acid in their diet because it is plentiful in the food supply.
There is good evidence that folic acid can help reduce the risk of certain birth defects (spina bifida and anencephaly). Women who are pregnant or planning to become pregnant should take at least 400 micrograms (mcg) of a folic acid supplement every day. Pregnant women need even higher levels of folic acid. Ask your health care provider which amount is best for you.
The Recommended Dietary Allowance (RDA) for vitamins reflects how much of each vitamin most people should get each day.
The Food and Nutrition Board of the Institute of Medicine Recommended Intakes for Individuals - Daily Reference Intakes (DRIs) for folate:
*For infants from birth to 12 months, the Food and Nutrition Board established an Acceptable Intake (AI) for folate that is equivalent to the mean intake of folate in healthy, breastfed infants in the United States.
Adolescents and Adults
Institute of Medicine. Food and Nutrition Board. Dietary Reference Intakes for Thiamin, Riboflavin, Niacin, Vitamin B6, Folate, Vitamin B12, Pantothenic Acid, Biotin, and Choline. National Academy Press, Washington, DC, 1998.
Escott-Stump S, ed. Nutrition and Diagnosis-Related Care . 6th ed. Philadelphia, Pa: Lippincott Williams & Wilkins; 2008.
Sarubin Fragaakis A, Thomson C. The Health Professional's Guide to Popular Dietary Supplements . 3rd ed. Chicago, IL: American Dietetic Association; 2007.
Suren P, et al. Association Between Maternal Use of Folic Acid Supplements and Risk of Autism Spectrum Disorders in Children. JAMA . 2013: Vol. 309; pp 570-577.


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Greensboro, NC 27401
Greensboro, NC 27405
Greensboro, NC 27403
Greensboro, NC 27406
Enter the email address associated with your account and we'll email you a link to reset your password.
Now find out how landlords and property managers will view your rental application.
Get your credit score before they do to make sure there are no surprises.


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Somebody In Afghanistan Loves Me Sweatshirt
Product Color:
Product information
Sweatshirt Somebody In Afghanistan Loves Me is the all-time ultimate in comfort with its classic, relaxed fit. On the surface rich cotton with Somebody In Afghanistan Loves Me, inside flannel for the softest sensation. Medium to heavy weight ensuring warmth and makes it great, weather as a throw-over in rainy and windy weather or to protect against the snow and ice in the winter.
Crew-neck for those that don't like the common hood. Stretched cuffs and hem assure a lasting shape. Afghanistan Sweatshirt comes in 12 basic colors. Heather Grey: 80% Cotton/20% Polyester. Remaining Colors: 100% Cotton.
Sku: SR1HG0000017320101010057BLWI00000


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Stem cell research, toxicology studies, and flow cytometry all rely on an accurate and consistent number of input cells. Counting cells prior to cell culture or before starting processes and analytical techniques used in such work is extremely tedious if done manually with a hemocytometer. Manually counting cells is also subject to user bias, which can lead to variable results among researchers.
Many of the advanced features of the TC10 system, such as the auto-focus technology that provides highly reproducible cell counts with reduced user-to-user variability, remain in the TC20 system. The TC20 also has the ability to analyze cells across multiple focal planes, which eliminates live cell undercounting associated with single focal plane analysis. And unlike electrical impedance-based counters, researchers can view cells in real time to immediately confirm their total and live/dead cell counts.
Additional features new to the TC20 automated cell counter include:
Cell size gates — enable accurate counting of such complex samples as primary cells, which are composed of multiple cell populations
TC20 data analyzer — offers post-count analysis, such as histograms, and comparative analysis with multiple samples and reporting
Automated data export — lets the user export count data to a USB flash drive to be analyzed using the TC20 data analyzer
Although the TC10 is no longer available, the counting slides, trypan blue dye, thermal printer, and verification kit developed for that system are compatible with the TC20 system.
Visit http://bit.ly/OTbe0s to see how the TC20 automated cell counter works. For more information on Bio-Rad's product portfolio, please visit www.biorad.com/tc20.
About Bio-Rad
Bio-Rad Laboratories, Inc. (NYSE: BIO and BIOb) has remained at the center of scientific discovery for more than 50 years, manufacturing and distributing a broad range of products for the life science research and clinical diagnostic markets. The company is renowned worldwide among hospitals, universities, major research institutions, as well as biotechnology and pharmaceutical companies for its commitment to quality and customer service. Founded in 1952, Bio-Rad is headquartered in Hercules, California, and serves more than 100,000 research and industry customers worldwide through its global network of operations. The company employs over 7,100 people globally and had revenues exceeding $2 billion in 2011. For more information, visit www.bio-rad.com.
This release contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 and Section 21E of the Securities Exchange Act of 1934. Forward-looking statements generally can be identified by the use of forward-looking terminology such as, "believe," "expect," "may," "will," "intend," "estimate," "continue," or similar expressions or the negative of those terms or expressions. Such statements involve risks and uncertainties, which could cause actual results to vary materially from those expressed in or indicated by the forward-looking statements. For further information regarding the Company's risks and uncertainties, please refer to the "Risk Factors" in the Company's public reports filed with the Securities and Exchange Commission, including the Company's most recent Annual Report on Form 10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K. The Company cautions you not to place undue reliance on forward-looking statements, which reflect an analysis only and speak only as of the date hereof. Bio-Rad Laboratories, Inc., disclaims any obligation to update these forward-looking statements.
For more information contact:
Steve Kulisch
Bio-Rad Laboratories, Inc.
Ken Li
Chempetitive Group
312-997-2436 x 112


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NetWellness is a global, community service providing quality, unbiased health information from our partner university faculty. NetWellness is commercial-free and does not accept advertising.
Monday, September 25, 2017
Cystic Fibrosis
Cystic Fibrosis
Can anyone please tell me how physicians/clinicians defined cystic fibrosis before the molecular nature was known?
Before the time of molecular diagnostic capabilities, a CF patient was diagnosed using a sweat chloride test. This measures the amount of chloride in the sweat and gives a value that can be diagnostic along with clinical findings of CF. I belive there is a very good description of this testing on line at http://www.cff.org/. To be diagnosed with CF a person must have either 2 positive sweat chloride tests completed at an acredited CF center along with the phenotypic features of CF (bronchiectasis, chronic sinusitis and failure to thrive, to name a few).
Currently, a patient can be diagnosed with the presence of 2 positive genes found at the molecular level. There continues to be a grey area where not all of these tests are conclusive. These inconclusive or "atypical" patients are usually followed at the CF center as well.
Additional information from Patricia Joseph, MD: Sweat chloride has been the gold standard for many years. This test relies on showing an increased concentration of chloride in sweat from patients with CF. Normal values are below 40 mg/dl. 40-60 is a "intermediate" zone and over 60 is consistent with CF. The test should have positive results on 2 separate occasions. This test is still used as the first test performed in patients suspected of having CF.
Today the diagnosis relies on having both of the following:
1. Clinical evidence of the disease. This can be lung or bowel abnormalities, failure to thrive, sinusitis and nasal polyps, but can be as simple as digital clubbing (a change in fingernails seen in several inflammatory diseases). Having a family member with CF included in this category as well.
2. Laboratory evidence of abnormal chloride exchange. This includes any of the following: a. Positive Sweat testing
b. Genetic studies showing the presence of 2 mutations shown to be associated with CF disease
c. Nasal Potential Difference studies that show a pattern consistent with CF. This test measures the electrical difference in the nose when different solutions that open and close ion channels are flushed over the cells. Patients with CF have a specific response that is different from normal. This is a specialized study only available in a few centers, used mostly for research.
Many states have recently implemented newborn screening. The tests used vary from state to state, but most use some combination of Immunoreactive trypsin (IRT- an enzyme that is found in higher-than-normal concentrations in the blood of newborn infants with CF) and genetics. The initial screening test requires further confirmatory testing to be certain the patient has CF.
Richard D Shell, MD
Clinical Associate Professor of Pediatrics
College of Medicine
The Ohio State University
Patricia Joseph, MS, MD
Associate Professor of Medicine
College of Medicine
University of Cincinnati


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Sweet & Easy Vegan is my kind of cookbook. I've been eating a dairy-free, egg-free diet for years, and at the time when I first started out on my vegan adventure, I was sure that cheese would be the thing I missed the most. Not so! As it turned out, I found myself craving traditional desserts more than anything else. Luckily I quickly discovered that vegan treats can be just as delicious— especially homemade vegan treats. I've since spent many a day in my kitchen experimenting with making vegan versions of my favorite desserts and baked goods, which can be rewarding when it works (sweet success!), but frustrating when it doesn't (what a waste of time and ingredients!). That's why I love Sweet & Easy Vegan—author Robin Asbell has already done that work for you, so you can jump right in and bake delectable vegan treats with confidence. When our friends at Chronicle Books offered us a copy to review, we knew that we just had to do a giveaway so we could share this gem with you.
In the book, Asbell offers over 80 sweet vegan recipes including cookies, cakes, tarts, fruit desserts, muffins and more. The author has also written a thorough introduction that covers the basics of vegan baking, discusses the benefits of whole grain flours and natural sweeteners, and includes a glossary of vegan baking ingredients. Sidebars sprinkled throughout the book give helpful tips on topics such as whole wheat pie crusts, alternative flours, and fair trade chocolate.
All this knowledge makes Sweet & Easy Vegan a great book for someone who is new to vegan cooking, but the appeal isn't limited to beginners, or even to vegans for that matter. Anyone with a sweet tooth will appreciate the recipes here, which range from classics like yellow cake to more unusual treats like Lemon Pine Nut Cookies, and from decadent desserts like Chocolate Layer Cake with Peanut Butter Frosting to lighter fare like Summer Fruits in Vanilla Syrup. And who wouldn't love a book with an entire chapter devoted to "Sweet Breakfast Treats"?
We hope you'll enjoy this cookbook as much as we do. To get your mouth watering, here is a sample recipe from Sweet & Easy Vegan.
Coconut, Almond and Chocolate Chip Cookies
There is something about the texture of coconut in a cookie; the way it stays moist and chewy is irresistible. The addition of chocolate and almonds makes for a triple temptation that will call to you from the cookie jar.
- 2 tbsp nondairy milk, plus more as needed
- 1 tbsp ground flaxseeds
- ½ cup/60 g unbleached all-purpose flour
- ½ cup/65 g whole-wheat pastry flour
- 1 tbsp nutritional yeast (optional)
- ½ tsp baking soda
- ¼ tsp salt
- ½ cup/120 ml canola oil
- ½ cup/100 g granular palm sugar, palm sugar paste, or Sucanat
- ½ tsp almond extract
- 1 cup/90 g unsweetened shredded dried coconut
- ½ cup/55 g sliced almonds
- ½ cup/85 g vegan chocolate chip
Preheat the oven to 375°F/190°C/gas 5.
In a cup or small bowl, whisk the 2 tbsp nondairy milk and the flaxseeds together and let stand for 5 minutes.
In a large bowl, combine both flours, the nutritional yeast (if using), baking soda, and salt and whisk until well mixed.
In a food processor, combine the canola oil and sugar and process until smooth. Add the almond extract and pulse to combine. Add the flaxseed mixture and process until thoroughly combined. Pour into the flour mixture and stir until just combined. Fold in the coconut, almonds and chocolate chips. If the dough is too crumbly to hold together, knead in up to 2 tbsp more nondairy milk.
Scoop a ¼ cup/60-ml portion of dough (oiling the measuring cup makes it easier to remove the dough) and form it into a ball. Place the balls on an ungreased baking sheet, leaving about 2 in/5 cm of space between them. Using wet palms, flatten slightly to a thickness of just over ½ in/12mm.
Bake for about 16 minutes, until the cookies are quite golden around the edges, rotating the pan halfway through the baking time.
Let cool on the pan for 5 minutes, then transfer to a wire rack to cool completely. Stored in an airtight container at room temperature, the cookies will keep for about 1 week.
Would you like to win a copy of Sweet & Easy Vegan? To enter the contest, comment on this post and tell us who you would bake treats for if you win this cookbook. Would you make vegan sweets for your kids, your friends, your sweetheart—or maybe just for yourself? To help you get started with these yummy recipes, we'll also send the winner a bag of Bob's Red Mill Whole Wheat Pastry Flour, a package of Sliced Almonds, and a package of Shredded Coconut. We'll pick a winner from those of you who enter by 11:59 pm on 8/23. Good luck!
Robin Asbell, chef and author of Big Vegan and Sweet & Easy Vegan, will be teaching a class next month at the Bob's Red Mill Cooking School in Milwaukie, Oregon! Get details on the class, "Healthy Baking with Robin Asbell," and registration information here.


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Click here, or on the image above, to see Rip Torn and Norman Mailer battle it out in Mailer's film Maidstone — for real.
Criterion continues to surprise and delight with their ongoing Eclipse series, which brings back to public view forgotten and often brilliant films from the classical era of cinema.
The latest Eclipse box set, Number 35, is entitled "Maidstone and Other Films by Norman Mailer," and features the title film, Maidstone, about Mailer's fictional quest for the Presidency as the pompous Norman T. Kingsley, as well as his first improvised feature, Wild 90, which is of much less interest, and Beyond The Law, centering on one violent, boozy night in a fictional police precinct in Manhattan. All of these films were largely improvised; Wild 90 is completely made up on the spot, dialogue and all, and is fixed in one location, a dingy warehouse; Maidstone is set in a lush country estate, where Mailer gathered his friends and associates for five days of improv filming; and Beyond The Law follows the same format. The results, especially with Maidstone and Beyond the Law, are extraordinary.
As the Criterion notes for the set observe, "Norman Mailer is remembered for many things— his novels, his essays, his articles, his activism, his ego. One largely forgotten chapter of his life, however, is his late-sixties kamikaze-style plunge into making experimental films. These rough-hewn, self-financed, largely improvised metafictions are works of madness and bravado, all starring Mailer himself and with technical assistance from cinema verité trailblazers D. A. Pennebaker and Richard Leacock. The most fully realized of his directorial efforts is the blustering, brawling Maidstone, a shocking sign of the political times, in which Mailer plays a filmmaker and presidential candidate who may be the target of an assassination attempt. Along with Mailer's other films of the period—Wild 90 and Beyond the Law—it shows an uncompromising artist in thrall to both himself and a new medium."
The actor Rip Torn was one of the principals in Maidstone, and in the film's most notorious scene, convinced that the movie needed some more action, attacked Mailer with a hammer and bit off part of his ear in a very real, completely unstaged fight sequence. The film as a whole is a compelling exercise in self-psychoanalysis, but for me, Beyond The Law, shot in gritty black and white, with a cast that includes Rip Torn, George Plimpton, Mailer and a rogue's gallery of hanger ons, is the gem of this group.
There will never be filmmaking like this again. Completely self-financed and shot in 16mm, these are films that Mailer made, at a great financial loss, simply because he felt had to express himself as a non-commercial, experimental filmmaker. Later in his career, Mailer directed a straight dramatic feature, Tough Guys Don't Dance, based on one of his novels, but it's a dull, commercial film, indifferently executed by a professional crew. Here, in these early, exhilarating, gloriously undisciplined and freewheeling films, he captures not only his own vision of the world he lived in, but also the essence of New York in the 1960s.
These are films not to be missed; it's good to see them finally on DVD.


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Research your ancestors and family tree, historical events, famous people and so much more!
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There is no better source of the stories of yesterday, as they were actually told, than Newspaper Archives. Search America's historic newspaper pages between 1607 and 2017 to discover your ancestry and find treasures that simply aren't available anywhere else. We are the world's leading resource for digital historical newspapers, offering full-text and full-image articles for significant historical events published in the 16th, 17th, 18th, 19th and 20th centuries.
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Gratefully we welcome Elder D. Todd Christofferson to the Quorum of the Twelve Apostles. Wholeheartedly we sustain this wonderful First Presidency and all who have been called.
Brethren and sisters, when we received the news that President Gordon B. Hinckley had passed away, each of us immediately felt a deep sense of loss. Knowing that his destiny was in the hands of the Lord, however, we have felt our mood shift from grief to gratitude. We are very grateful for what we have learned from this great prophet of God.
Today, at this solemn assembly, we have complied with the will of the Lord, who said that "it shall not be given to any one to go forth to preach my gospel, or to build up my church, except he be ordained by … one who has authority, and it is known to the church that he has authority and has been regularly ordained by the heads of the church." 1 This law of common consent 2 has been invoked, and the Church will move forward on its prescribed course.
Members throughout the world sustain President Thomas S. Monson and his able counselors. We are "no more strangers and foreigners, but fellowcitizens with the saints, and of the household of God;
"And are built upon the foundation of the apostles and prophets, Jesus Christ himself being the chief corner stone." 3
The Lord revealed why "he gave some, apostles; and some, prophets." It is "for the perfecting of the saints, for the work of the ministry, for the edifying of the body of Christ:
"Till we all come in the unity of the faith, and of the knowledge of the Son of God." 4
Thus the ministry of the Apostles—the First Presidency and the Twelve—is to bring about that unity of the faith and to proclaim our knowledge of the Master. Our ministry is to bless the lives of all who will learn and follow the "more excellent way" of the Lord. 5 And we are to help people prepare for their potential salvation and exaltation.
The third article of faith declares that "through the Atonement of Christ, all mankind may be saved, by obedience to the laws and ordinances of the Gospel."
To be saved—or to gain salvation—means to be saved from physical and spiritual death. Because of the Resurrection of Jesus Christ, all people will be resurrected and saved from physical death. People may also be saved from individual spiritual death through the Atonement of Jesus Christ, by their faith in Him, by living in obedience to the laws and ordinances of His gospel, and by serving Him.
To be exalted—or to gain exaltation—refers to the highest state of happiness and glory in the celestial realm. These blessings can come to us after we leave this frail and mortal existence. The time to prepare for our eventual salvation and exaltation is now. 6
As part of that preparation, one must first hear and understand the gospel. For this reason the gospel of Jesus Christ is being taken to "every nation, and kindred, and tongue, and people." 7
Individual Responsibility
Some years ago I met with a tribal king in Africa. When he realized that he was being taught by an Apostle of the Lord, he was deeply moved. He said that throngs of his people would be baptized if he were to give them such a mandate. I thanked him for his kindness but explained that the Lord does not work in that way.
The development of faith in the Lord is an individual matter. Repentance is also an individual matter. Only as an individual can one be baptized and receive the Holy Ghost. Each of us is born individually; likewise, each of us is "born again" 8 individually. Salvation is an individual matter.
Family Responsibilities
Individual progression is fostered in the family, which is "central to the Creator's plan for the eternal destiny of His children." 9 The home is to be God's laboratory of love and service. There a husband is to love his wife, a wife is to love her husband, and parents and children are to love one another.
Throughout the world, the family is increasingly under attack. If families fail, many of our political, economic, and social systems will also fail. And if families fail, their glorious eternal potential cannot be realized.
Our Heavenly Father wants husbands and wives to be faithful to each other and to esteem and treat their children as an heritage from the Lord. 10 In such a family we study the scriptures and pray together. And we fix our focus on the temple. There we receive the highest blessings that God has in store for His faithful children.
Thanks to God's great plan of happiness, 11 families can be together forever—as exalted beings. Our Heavenly Father declared, "This is my work and my glory—to bring to pass the immortality and eternal life of man." 12 Both of His objectives were enabled by the Atonement of His Beloved Son, Jesus Christ. His Atonement made resurrection a reality and eternal life a possibility for all who would ever live.
Resurrection, or immortality, comes to every man and every woman as an unconditional gift.
Eternal life, or celestial glory or exaltation, is a conditional gift. Conditions of this gift have been established by the Lord, who said, "If you keep my commandments and endure to the end you shall have eternal life, which gift is the greatest of all the gifts of God." 13 Those qualifying conditions include faith in the Lord, repentance, baptism, receiving the Holy Ghost, and remaining faithful to the ordinances and covenants of the temple.
No man in this Church can obtain the highest degree of celestial glory without a worthy woman who is sealed to him. 14 This temple ordinance enables eventual exaltation for both of them.
In Church callings we are subject to release. But we cannot be released as parents. From the first days of human history, the Lord has commanded parents to teach the gospel to their children. 15 Moses wrote, "Thou shalt teach … diligently … thy children, and shalt talk of [God's words] when thou sittest in thine house, and when thou walkest by the way, and when thou liest down, and when thou risest up." 16
In our day the Lord has added, "Bring up your children in light and truth." 17 The Church is to assist and not to replace parents in their responsibilities to teach their children.
In this day of rampant immorality and addictive pornography, parents have a sacred responsibility to teach their children the importance of God in their lives. 18 Those evils, so highly destructive of divine potential, are to be strictly shunned by children of God.
We are also to teach our children to honor their parents. The fifth commandment states, "Honour thy father and thy mother: that thy days may be long upon the land which the Lord thy God giveth thee." 19
How can we best teach our children? The Lord has given us specific instruction:
"No power or influence can or ought to be maintained by virtue of the priesthood, only by persuasion, by long-suffering, by gentleness and meekness, and by love unfeigned;
"By kindness, and pure knowledge, which shall greatly enlarge the soul without hypocrisy, and without guile—
"Reproving betimes with sharpness, when moved upon by the Holy Ghost; and then showing forth afterwards an increase of love toward him whom thou hast reproved, lest he esteem thee to be his enemy." 20
When a child needs correction, you might ask yourself, "What can I say or do that would persuade him or her to choose a better way?" When giving necessary correction, do it quietly, privately, lovingly, and not publicly. If a rebuke is required, show an increase of love promptly so that seeds of resentment may not remain. To be persuasive, your love must be sincere and your teachings based on divine doctrine and correct principles.
Do not try to control your children. Instead, listen to them, help them to learn the gospel, inspire them, and lead them toward eternal life. You are God's agents in the care of children He has entrusted to you. Let His divine influence remain in your hearts as you teach and persuade.
Any discussion of family responsibilities to prepare for exaltation would be incomplete if we included only mother, father, and children. What about grandparents and other ancestors? The Lord has revealed that we cannot become perfect without them; neither can they without us be made perfect. 21 Sealing ordinances are essential to exaltation. A wife needs to be sealed to her husband; children need to be sealed to their parents; and we all need to be connected with our ancestors. 22
What about those who are not able to marry in this life or those who cannot be sealed to their parents in this life? We know that the Lord will judge each of us according to the desires of our hearts, as well as our works, 23 and that the blessings of exaltation will be given to all who are worthy. 24
We as children of the covenant are highly favored. In our hearts have been planted the promises made to Fathers Abraham, Isaac, and Jacob. The Lord has said:
"Ye are lawful heirs, according to the flesh, and have been hid from the world with Christ in God. …
"Therefore, blessed are ye if ye continue in my goodness, a light unto the Gentiles, and through this priesthood, a savior unto my people Israel." 25
This life is the time to prepare for salvation and exaltation. 26 In God's eternal plan, salvation is an individual matter; exaltation is a family matter.
As children of the covenant, we have met in this morning's solemn assembly. Attention has been focused upon the sacred titles of prophets and apostles. But the final responsibility to prepare for salvation and exaltation rests upon each person, accountable for individual agency, acting in one's own family, bearing another sacred title of mother, father, daughter, son, grandmother, or grandfather.
In those responsible roles, may we go forward in faith, led by Jesus Christ, whose Church this is, and by His prophet, through whom He speaks, I pray in the name of Jesus Christ, amen.
Show References
D&C 42:11; emphasis added.
- 2.
- 3.
- 4.
- 5.
See Alma 34:32–33.
- 7.
- 8.
"The Family: A Proclamation to the World," Liahona, Oct. 2004, 49; Ensign, Nov. 1995, 102.
See Psalm 127:3.
See Alma 42:8.
- 12.
D&C 14:7; see also 3 Nephi 15:9. The Book of Mormon further explains the conditional nature of this great gift. It states that "ye must press forward with a steadfastness in Christ, having a perfect brightness of hope, and a love of God and of all men. Wherefore, if ye shall press forward, feasting upon the word of Christ, and endure to the end, behold, thus saith the Father: Ye shall have eternal life" (2 Nephi 31:20; emphasis added).
See D&C 131:1–3.
See Moses 6:57–58. Also note the teaching of King Benjamin: "Ye will not suffer your children that they go hungry, or naked; neither will ye suffer that they transgress the laws of God, and fight and quarrel one with another, and serve the devil, who is the master of sin. … But ye will teach them to walk in the ways of truth and soberness; ye will teach them to love one another, and to serve one another" (Mosiah 4:14–15).
- 16.
D&C 93:40. The Lord also said, "Teach [your] children to pray, and to walk uprightly before the Lord" (D&C 68:28).
So taught Paul to Timothy: "Continue thou in the things which thou hast learned and hast been assured of, knowing of whom thou hast learned them. … From a child thou hast known the holy scriptures, which are able to make thee wise unto salvation through faith which is in Christ Jesus" (2 Timothy 3:14–15).
Exodus 20:12. Remember that parental proverb: "Train up a child in the way he should go: and when he is old, he will not depart from it" (Proverbs 22:6).
- 20.
See D&C 128:15.
See D&C 128:18.
See D&C 137:9.
See D&C 130:20–21; see also Rudger Clawson, in Conference Report, Oct. 1917, 29; Joseph F. Smith, in Deseret News, May 1, 1878, 2; Richard G. Scott, "The Joy of Living the Great Plan of Happiness," Ensign, Nov. 1996, 75.
- 25.
See Alma 12:24.


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The 2010 ProFootballFocus.com All-Pro Team: Defense/Special Teams
As much love as we have for the best offensive players in the game, it's the defenders that we take the most joy in breaking down and grading.
Where stats can give you a pretty good (but incomplete) idea of what an offensive player is doing, stats are largely useless in looking at the defensive side of the ball. A guy with six or seven interceptions might make the Pro Bowl despite doing a shoddy job in coverage and run defense (DeAngelo Hall, we're looking at you).
Meanwhile, a pass rusher with only a moderate amount of sacks can in truth be causing much havoc and keying his defense in other ways (Julius Peppers being a prime example).
After group meetings, hours of reflection and a brief trip inside a Native American sweat lodge, here are our defensive All-Pros for 2010. Oh, and special teams too. Fewer hours in the sweat lodge there.
Defensive Ends: Justin Smith (San Francisco) and Trent Cole (Philadelphia)
Backups: Charles Johnson (Carolina) and Julius Peppers (Chicago)
A dilemma of sorts in terms of what to do with Justin Smith — do we put him at DT, as a 3-4 end, or at defensive end? In the end we decided to have him at end, and as a result there's no place in either the first or second string for the excellent Terrell Suggs. Cole beats out Charles Johnson for the first-team spot, despite Johnson besting him in stops and QB disruptions — in our opinion Cole plays the run too well to ignore. So the final decision came down to Peppers or Suggs as our last DE. It was close in nearly all categories but one; Suggs batted down one pass, Peppers six (he was credited with more in the official NFL stats), and in the end that was probably the difference.
Defensive Tackles: Kyle Williams (Buffalo) and Haloti Ngata (Baltimore)
Backups: Kevin Williams (Minnesota) and Antonio Garay (San Diego)
If you've clicked on PFF before you know how much we appreciate the play of Kyle Williams in 2010 so there was no doubt he was starting here. The Bills' defense might have been a bit of a horror show, but Williams showed that you can still reach great heights individually in a hopeless effort. Ngata joins him on the defensive line, as he finally added some consistency to his play. His modus operandi previously was one of a highlight play followed by very flat production and while that builds hype, it does little in our system. This year there was a lot more substance to his game. Special mention to Garay, who didn't just do what you want from a nose tackle, he was also an extremely productive pass-rusher — he picked up 6 sacks, 5 hits and 18 hurries on 250 pass rushes. Compare that with Pro Bowl-bound Vince Wilfork (also a strong player), who got 2 sacks, 2 hits and 13 hurries from 424 attempts to get to the QB.
Outside Linebackers: James Harrison (Pittsburgh) and Tamba Hali (Kansas City)
Backups: Cameron Wake (Miami) and DeMarcus Ware (Dallas)
Really tough choosing two from these four (and more). You have to have Hali in there as the guy who terrorized quarterbacks more than any other player; no one even came close to his 95 overall pressures (combined sacks, hits and hurries). As for Harrison, it's a shame the penalties (a league leading 10 among linebackers) and helmet hits detracted from a season that was every bit as good as that which earned him DPOY a couple of years back.
Last year we highlighted the fact that Wake was pass rush for pass rush as good as anyone around, but his playing time was limited due to concerns as a run defender. This gave Joey Porter the majority of the snaps but as it transpired the only thing Porter could actually do better was talk trash. Ware didn't have his best year, particularly playing the run, but Ware at 80 percent is always likely to be better than 100 percent for all but a handful of players.
Inside Linebacker: Lawrence Timmons (Pittsburgh)
Backup: Patrick Willis (San Francisco)
He doesn't blow guys up like Bart Scott, blitz like Patrick Willis, nor cover like Derrick Johnson. But of all inside linebackers Timmons does everything so well, he just edges out Willis (who started and finished in un-Willis like fashion) to this spot.
Cornerbacks: Champ Bailey (Denver) and Brandon Flowers (Kansas City)
Backups: Nnamdi Asomugha (Oakland ) and Antoine Winfield (Minnesota)
We said in preseason that the AFC West would be home to some excellent cornerback play this year, and as it turned out all but one of our choices came from that division. Bailey may not be the athlete he once was (by his own words) but he brought his "A" game this year and showed he has plenty left in the tank. Flowers was as good as it got earlier but had some troubles later, which almost saw Asomugha overtake him. Winfield just edges out the AFC rookies, Devin McCourty and Joe Haden, in large part due to his superior work in run defense. As our Sam Monson delights in pointing out, "one of the silliest things in football is running a screen to his side of the field." End result: Failure.
Safeties: Michael Huff (Oakland) and Quintin Mikell (Philadelphia)
Backups: Eric Weddle (San Diego) and Troy Polamalu (Pittsburgh)
More AFC West power. We opted for Huff over Weddle as our starter on the back of his coverage skills, but you also can't ignore his versatility — his timing of blitzes was an underrated part of his game. Mikell's selection was never in doubt, because unlike a lot of other guys who live purely off highlights his game is built on much surer foundations. He only had one poor rating all year, and it wasn't even that poor. Polamalu was up there with him, but had a rough stretch at midseason and missed time at the end. Weddle is one of those guys who just does a fantastic job — whatever is asked of him — but sometimes we ask ourselves how much more effective he might be if he got to play closer to the line of scrimmage more often; he was our 3rd-rated safety in run support.
Kicker: Billy Cundiff (Baltimore)
Backup: Rob Bironas (Tennessee)
Ever seen seven guys argue about kickers? In particular how valuable field goal kicking is compared to kickoffs? It's not pretty. Ultimately we acknowledged what Cundiff did for his team's field position, even though there probably isn't anyone other than Bironas we'd want kicking a big field goal.
Punter: Shane Lechler (Oakland)
Backup: Mat McBriar (Dallas)
Even when he was playing hurt Lechler was still as good as anyone. The best punter of his generation? The best punter of any generation? He hasn't had a single poor game in the three years we've been grading, and he kicks outdoors at sea level.
Returner: Devin Hester (Chicago)
Backup: Marc Mariani (Tennessee)
As the NFL promo voiceover reminds us repeatedly, "Devin Hester, you … are … ridiculous!" Despite half as many total attempts as the other top returners, he graded out No. 1. Punting the ball out-of-bounds every play against him should be the goal. Mariani has been one of the pleasant surprises in an ultimately disappointing Titans season.
Special Teamer: Corey Graham (Chicago)
Backup: T.J. Ward (Cleveland)
Graham was the league's most active special teamer, but Ward deserves a special mention for racking up so many tackles despite not being one of the Browns' gunners.


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And, of course, the fine print:
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The Henry County Country Club was established in 1966 and opened in 1967. The facility was built as an affordable place of recreation for the Henry County community. The club offered golf, tennis, swimming and fishing then, and still does today. The club boasts one of the best golf courses in the state of Kentucky. Thousands and thousands of dollars have been brought into Henry County through tourism from the golf course.
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I was watching ESPN News 15 or so mins ago, and they had the press conference with David Stern and Russ Granik to talk about the labor issues. Afterwards, they had Stephen A. Smith and Ric Bucher live from San Antonio with their thoughts on what was said.
They did nothing but praise David Stern and bash Billy Hunter and the Players Association.
Was anyone else appalled at this?


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A SEX offender was alleged to have failed to tell authorities that he was staying at houses in Evesham and Redditch with under-18s.
Stephen Lagden, of Rainham Road, Essex, made no indication of plea when he appeared before Worcester magistrates charged with three counts of failing to comply with the sex offenders register.
Kerry Lovegrove, prosecuting, told the court the 49-year-old had failed to notify a change of address after renting a house in Evesham between October 31, 2011 and November 15, 2012.
The court also heard two allegations that Lagden had also failed to comply with the order's requirements to inform the relevant authorities that he was residing in a house with a child under the age of 18.
Miss Lovegrove told the court those counts related to relationships Lagden was having with a woman in Evesham and a woman in Redditch, both of whom had children.
The case was committed to Worcester Crown Court on March 26.
He was released on conditional bail that he must not contact a number of prosecution witnesses and must not enter Worcestershire except for the night before his crown court trial.


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Hi All....!!
I have been into two 10 day courses of Vipassana of S.N.Goenka Tradition, to be honest the first course I did with more perseverance, and enjoyed. Second one I did not really give my full effort yet completed. After 5 yrs I tried a 3rd one but left on 2nd day. And now a days I am not at all meditating, as well I became more or less a worldly person such as alcohol, wandering mind, I hardly practice now. So Some times I feel to go for another course, but I am not prepared, not enough courageous to do so, keeping in mind previous failure. Some times I feel, Don't I practice Vipassana with out going to 10 days courses?? Should i really need to go? But Some times I feel I have to go....!!
What am I thinking is if i really wanted to go again, I have to keep my practice regular and mock up little bit the 10 days conditions at home, for ex: eating less in nights, having 6 hrs sleep, be mindfulness etc. Please suggest me if there are other ways or other practices that I can try at home...!! I wanted to give a serious try...!!
Thanks in adv


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With such a variety of patio furniture to choose from, it often becomes confusing to choose the right sort of patio furniture for your needs. To help you choose perfect patio furniture, here are a few steps to take. First, determine the amount of space available on your patio for chairs, lounges, or a daybed. Also think about what time of the day you use your patio space the most so that you can select the right furniture to make the most of the sun's rays on your patio at that time. Finally, consider whether you want patio furniture that requires minimal upkeep or whether you're willing to maintain less easy-care patio accessories. Once you know what you're really looking for, you're ready to buy patio furniture in the right material, size, and style for your patio.
If your patio has lots of space, then consider buying an outdoor daybed. An outdoor daybed not only looks unique, but can add a touch of elegance to your patio as well. An outdoor daybed also offers comfort, durability, and style. Outdoor daybed furniture comes in a wide range of sizes, materials, and colors, so you can be certain that you can find an outdoor daybed for your need easily. Consider choosing a daybed with a retractable cover to shield you from the sun when it gets too hot. A daybed accessorized with wheels makes it easier to move the daybed around while adding more height to the daybed as well.
There is a wide range of outdoor patio furniture available here at Sam's Club, so it's easy to find outdoor patio furniture you'll enjoy for years to come. Explore our selection that includes outdoor daybed furniture, patio chairs, outdoor lounges, and more. All outdoor furniture, including daybed and chairs come in a variety of materials. The range of furniture at Sam's Club gives you plenty to choose from with a wide variety of materials and styles. Find the right sort of daybed, patio chairs, outdoor lounges and other type of patio furniture for you right here at Sam's Club.


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Tree Removal Forest Hill
Green and Gold Tree Services is local to the Forest Hill area, this means you get cost effective tree removal in Forest Hill.
Tree removal is the process of removing a tree from its current standing form down to ground level. At Green & Gold Tree Services, we are professionals in tree removals, so we are more than capable to remove trees when it is properly justified and local council permissions has been granted. With well over two decades of tree removal experience, we know that all trees are a challenge and that no one tree is ever the same, however, we will always leave you with the confidence that the tree removal will only be performed safely, efficiently and professionally. We promise that you will only be left with a memory of the tree removal when our work is done! We specialise in removing small and large trees and those which are dying, dead or dangerous, as well.
We use a variety of methods for tree removals and this depends on the tree's site, size and condition. We use the only the latest climbing and rigging methods as seen as best practice in our industry.
When there sufficient access and room, elevated work platforms and cranes can also be used. Cranes can be used to lift up both entire trees and tree sections and lower them down into a safe spot for processing. We find that a major advantage with using cranes is that they often speed up the tree removals and of course provide a safer working environment for our specialist tree removal crew.
There are many reason to remove a tree, including: outgrowing its position, causing damage, presenting a hazard, being unstable, dying, poisonous or dead, or because of the effect of a new development.
To prevent disruption to existing gardens, overhead limbs are lowered to the ground by ropes. Foliage is generally recycled into mulch using a woodchipping machine and when required, wood is cut to approximate firewood size and left on site or taken away depending on your requirements. All lawn areas are raked and hard finish areas are swept clean. We can also complete the job with stump removal if required.
We are a professional tree company with fully trained staff to give you peace of mind during the removal of problem trees and we are pleased to offer our wide range of services to schools, golf courses, government, industry and the residential market.
Call us today for the best tree removals in Forest Hill!
What Customers in Forest Hill Say!
Not only was the cost acceptable, the professional approach from all members of your company was of a very high standard. Customer service is still alive! The job itself was first rate and in a very timely manner.
I had 2 huge trees cut down by Brendan and the crew and I have to say they did a brilliant job! My yard was left clean and tidy and they even brought my washing in from the line as I couldn't manage it at the time. Very friendly group and to my mind their fee was very reasonable, my trees where really big. Excellent service, I definately would recommend Green and Gold Tree Services to anyone tree work. Very happy indeed!!
We are very happy with the removal of two trees and stumps from our property. Excellent work, efficient, clean and tidy and very competitive price wise. We will definitely employ Green & Gold Services again when our trees require pruning. Would recommend to anyone wanting trees removed or pruned. Thanks guys.


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Drabek scheduled to throw off mound this week
FORT MYERS, Fla. -- Kyle Drabek, who was forced to leave a game last June against the Washington Nationals at Rogers Centre when he felt a "popping sensation" in his throwing elbow, is set to start throwing off a mound this week.
"We've got him and [Drew] Hutchinson down [in Dunedin] doing their rehab. Everything's moving right along, but it's going to be a while," manager John Gibbons said before Tuesday's game against the Red Sox at JetBlue Park. "He's not going to be ready until the middle or the end of the summer."
Following the injury, Drabek underwent Tommy John surgery for the second time in his career. After undergoing the procedure four years ago as a member of the Phillies' farm system, the 25-year-old was back in action within 13 months.
Knowing the seriousness of the injury, Gibbons won't be rushing Drabek.
"When you come off that type of surgery, you want to make sure you get at least a year in," Gibbons said. "He's a good ways off, but he's doing really well right now."
Drabek was 4-7 with a 4.67 ERA in 13 starts last year. In parts of three Major league seasons, the right-hander is 8-5 with a 5.34 ERA.
Melissa Couto is a contributor to MLB.com. This story was not subject to the approval of Major League Baseball or its clubs.


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2012 Super Rugby Champions the Chiefs kick off their Super Rugby title defence in Dunedin against the Highlanders at the Forsyth Barr Stadium.
The Highlanders have played the Chiefs 19 times in Super Rugby and the Highlanders have won just seven of those matches or just 36% of their matches.
CLICK HERE TO WATCH Chiefs vs Highlanders Live Stream Super Rugby 2013
The average score when the Highlanders play the Chiefs across all venues is Highlanders 22 Chiefs 24 so while the


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Lipscomb Academy launches SEED School with new approach to early childhood education
Lipscomb Academy recently launched the SEED School as it refocuses its approach to pre-K and kindergarten education.
The SEED School at Lipscomb Academy is an innovative approach to pre-K and kindergarten education that offers a unique learning environment where children are encouraged to be inquisitive, adventurous and creative. SEED stands for: seek, explore, experiment, discover. The approach is based on the concept that these early education years can be much more impactful on a child's success than merely a time to prepare for elementary school grades.
"The first few years of learning set the stage for the many years of learning to come," said Jonathan Sheahen, Lipscomb Academy elementary principal. "At Lipscomb Academy, we believe these early years contribute to children's development of many essential skills that support social competence and creative problem solving, as well as foster a love of learning that endures for a lifetime."
Sheahen said the SEED School is an environment for pre-K and kindergarten students to be able to "seek, explore, experience and discover the world around them in a Christian context and in ways that encourage and embrace knowledge as well as individuality."
"We expect children to think critically and act responsibly. In doing so, we offer them the room they need to thrive in unique and challenging situations. Our students will grow in ways that will make a world of difference as they move into first grade and beyond," said Sheahen. "We transform children's curiosity into a passion for learning. Our teachers implement research-based curriculum where questions lead to hands-on learning experiences."
Sheahen said this new focus builds on Lipscomb's long history of successful primary education that spans nearly 100 years. Core components of this approach are:
- a university connection — learning partnerships with Lipscomb University that include an organic kinder"garden" built by a Lipscomb Dining Services-Sodexho chef, biology and chemistry student learning labs; and College of Education-led trainings and research among other programs;
- experiential learning — through field trips, learning gardens, thematic celebrations, technology tools (including iPads®, interactive whiteboards and document cameras in classrooms), hands-on science labs, Orff musical instrument instruction and other opportunities; and
- an inquiry-based approach — curricular studies influenced by student questions and interests and an environment that fosters problem solving, critical thinking, creative reasoning and contextual learning.
Sheahen said the Christian focus of Lipscomb Academy is an integral component of the SEED School through integrated Bible curriculum, weekly chapel services, an on-campus director of spiritual formation and hands-on service learning projects.
"Our faith and belief in God is an important part of our school and the way we teach," said Sheahen. "As students get older they are guided to develop their own faith and relationship with God. We feel the strength of a plant lies in its roots, as does the strength of a child. The spiritual and character formation of children is central to our school's daily practices and mission."
Applications are now being accepted for Fall 2013. For more information, contact Jennifer Green at 615.966.6230 or firstname.lastname@example.com.


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Lewis Tree Service — When You Need The Job Done Right
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Lewis is the first utility vegetation management company to utilize GPS-based tablet technology for job cost estimating
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Lewis Tree Service vehicles log over 8 million miles per year in support of customers
Equipment fleet of over 4,000 assets including trucks, chippers and specialty equipment available for the most challenging distribution and transmission work


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Now you can frame your artwork, photos and documents quickly and professionally with new Ambiance Pre-Cut Conservation Single Mat Packs! This high quality mat board is acid and lignin free, with a non-yellowing alpha cellulose core and no optical brighteners — meaning that artwork matted with Ambiance will stand the test of time. These single mat packs are the epitome of convenience, available in 10 colors in a wide array of 20 popular standard frame and image sizes, so it's easy to find the perfect mat for almost any image. Simply check the chart below to find your preferred image and frame size, choose the ideal color, and start framing! Sold in packs of 10 mats or a special combo of 10 mats and a size-matched pack of 25 Krystal Seal Bags perfect for edition matting and art shows, Ambiance Pre-Cut Conservation Mat Board Packs are the new affordable luxury in picture framing!
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See descriptions tab on product pages for size and dimensions.


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The German statesman Konrad Adenauer was quoted as saying "We all live under the same sky, but we don't all have the same horizon."
That's certainly true of investors: We all live among the same set of assets, but how we combine them into an investment portfolio depends on our own circumstances—including our investment horizons.
To simplify, we might say there are two types of investors. The first type—call them tactical—pays attention to short-term fluctuations, hoping to identify opportunities to buy undervalued assets or to sell overvalued ones. Tactical investors play an active role in identifying mispricings and trading in a way that tends to eliminate them. For tactical investors, correlations among asset classes are less important than current valuations—and volatility may actually be good, because it creates trading opportunities.
The second type of investor—call them strategic—doesn't have time to look for short-term mispricings; instead, they structure a well-diversified portfolio and take advantage of the interactions among their assets—that is, the power of diversification—to reduce the likelihood of a hit that would affect the entire portfolio. Strategic investors have a long investment horizon: Current valuations are less important than low long-term correlations and strong long-term risk-adjusted returns.
It's not surprising that the investment characteristics of particular assets change over time: For example, return volatility for publicly traded real estate investment trusts (REITs), along with most or all other assets, spiked during the credit crisis of October 2008–March 2009. (REIT volatility rapidly declined to normal levels after the crisis ended, however.) What is more surprising, though, is that investment characteristics may also change over different investment horizons. If that's the case, then you can potentially make better portfolio decisions by understanding investment characteristics at your own most relevant horizon.
As an example, Figure 1 shows correlations between the telecommunication services sector of the U.S. stock market and two measures of returns to the broad stock market, the Wilshire Total Market index and the S&P 500 index of large-cap stocks. [Correlation measures how closely two variables tend to move in relation to each other.] All of the correlations are computed over the same historical period, from January 1990 through November 2011—but they're computed over differing investment horizons ranging from one-month returns to 60-month returns. [All sectors are represented by the S&P Global Industry Classification Standard (GICS) series of sector total return indexes.]
As Figure 1 shows, the return correlations over longer investment horizons are much greater than the return correlations over shorter horizons—in fact, the correlation of the telecommunication services sector with the Wilshire Total Market increases from just 63% using a one-month horizon to 94% using a 60-month horizon. That kind of a change can make a huge difference in portfolio strategy: It suggests that telecom stocks provide little diversification benefit relative to the broad market for investors with relatively long investment horizons.
Why might long-horizon correlations be higher than short-horizon correlations? One explanation may be that, while telecom stock prices may fluctuate in the short term in response to conditions specific to the telecom sector, longer-term returns depend more on the state of the overall economy—which is reflected by returns to the broad stock market, rather than just one sector.
That explanation is supported by other sectors of the stock market, where a similar pattern holds: Return correlations between the sector and the broad market increase as the investment horizon lengthens, as shown in Figure 2. That makes sense if stock market returns over longer horizons are driven by factors common to all companies—such as growth in the gross domestic product (GDP) or changes in interest rates—while returns over shorter horizons may be affected by factors specific to a given sector of the economy. Notably, the materials sector, which encompasses many commodity producers, differs from other sectors of the stock market, with correlations declining as the investment horizon lengthens (not shown in Figure 2).
There is another segment of the stock market, however, in which this pattern is reversed: publicly traded equity REITs. Equity REITs are the stocks of companies that own commercial real estate assets, such as office buildings and shopping centers. REITs are required to pay out almost all of their taxable income to their shareholders annually as dividends. The effect of the large dividend requirement is to channel the bulk of rent income to shareholders, providing them with the kind of real estate income stream they would receive if they owned and managed the properties directly.
As Figure 3 shows, equity REIT returns actually have a lower correlation with broad stock market returns over longer investment horizons. In fact, for investment horizons greater than six months, the decline in REIT-stock correlations is both steady and dramatic. For example, the correlation between equity REITs and the Wilshire Total Market is 67% over six-month horizons, but only 14% over 60-month horizons. (Equity REIT returns are represented by the FTSE NAREIT All Equity REITs total return index.)
Perhaps even more surprising, the same pattern holds even when REIT returns are compared with the financials sector of the stock market—ironically, the sector in which equity REITs are classified. For example, the REIT-financials correlation is measured at 79% over six-month investment horizons, but only 27% over 60-month investment horizons.
What might explain this pattern, in which long-horizon correlations are actually lower than short-horizon correlations? One explanation may lie in mutual funds and exchange-traded funds (ETFs), which enable investors to trade broad categories of stocks rather than individual companies.
For example, investors who are bullish or bearish on bank stocks may trade their predictions by buying or selling a financial sector mutual fund or ETF—which would have the unintended consequence of driving up or down the stocks of non-bank companies encompassed within that sector, including REITs. Over longer investment horizons, though, REIT returns are driven by conditions in the real estate economy, rather than in the banking industry—or, indeed, in the broad economy as reflected by the broad stock market. Over longer horizons, then, any short-term mispricings of REIT stocks that are caused by non-REIT market factors (such as trading of bank stocks through a financial sector mutual fund or ETF) may be corrected in a way that brings down longer-horizon correlations.
If correlations can differ sharply over different investment horizons, then what about volatility? Figure 4 shows the annualized volatility of monthly returns measured over the same historical period—January 1990 through November 2011—but over different investment horizons extending from one to 12 months. As the figure shows, volatility declines sharply as the investment horizon lengthens. For example, the annualized volatility of equity REITs is 19.7% when measured using one-month investment horizons, but just 6.6% when measured using 12-month investment horizons.
(While correlations can be computed using overlapping periods of different lengths, volatilities must be computed using non-overlapping periods. As a result, the historical period January 1990 through November 2011 encompasses just 21 non-overlapping 12-month investment periods.)
How can an investor make use of these results? As noted, for tactical investors, correlations are less important than current valuations, and volatility may actually be good. In fact, it may be trades by tactical investors that explain the results, by driving mispriced securities back toward their fundamental values.
For strategic investors, however, these results are potentially very important in constructing optimal asset portfolios. If long-horizon correlations among sectors of the stock market are higher than short-horizon correlations, then strategic investors with long investment horizons won't find good opportunities for portfolio diversification by holding assets in different sectors. In other words, investment characteristics based on short investment horizons (such as monthly data) overstate the diversification opportunities within the non-REIT parts of the stock market.
On the other hand, if long-horizon correlations between REITs and stocks are lower than short-horizon correlations, then strategic investors with long investment horizons can take advantage of greater diversification opportunities with larger holdings of REITs within their stock portfolios. Moreover, if volatility declines with the investment horizon, then risk-adjusted returns measured over long investment horizons are better than risk-adjusted returns over short horizons. In this case, investment characteristics based on short investment horizons (such as monthly data) understate the benefits of diversification through a mixed portfolio of REITs and non-REIT stocks, as well as the risk-adjusted returns of both asset classes.
Investors should consider which style best defines them: the tactical approach, in which investors look for short-term mispricings, or the strategic approach, in which investors take advantage of the power of diversification and long-term risk-adjusted returns. Long-horizon investing may well have greater benefits than we ever realized.
A REIT is a company that mainly owns, and in most cases operates, income-producing real estate such as apartments, shopping centers, offices, hotels and warehouses. Some REITs also engage in financing real estate.
To qualify as a REIT, a company must have most of its assets and income tied to real estate investment and must distribute at least 90% of its taxable income to its shareholders annually. A company that qualifies as a REIT is permitted to deduct dividends paid to its shareholders from its corporate taxable income. As a result, most REITs remit at least 100% of their taxable income to their shareholders and therefore owe no corporate tax. Taxes are paid by shareholders on the dividends received and any capital gains. Most states honor this federal treatment and also do not require REITs to pay state income tax. Like other businesses, but unlike partnerships, a REIT cannot pass any tax losses through to its investors.
For REITs, dividend distributions for tax purposes are allocated to ordinary income, capital gains and return of capital, each of which may be taxed at a different rate. All public companies, including REITs, are required early in the year to provide their shareholders with information clarifying how the prior year's dividends should be allocated for tax purposes. This information is distributed by each company to its list of shareholders on IRS Form 1099-DIV. A historical record of the allocation of REIT distributions between ordinary income, return of capital and capital gains can be found in the Industry Data section of www.reit.com.
A return of capital distribution is defined as that part of the dividend that exceeds the REIT's taxable income. A return of capital distribution is not taxed as ordinary income. Rather, the investor's cost basis in the stock is reduced by the amount of the distribution. When shares are sold, the excess of the net sales price over the reduced tax basis is treated as a capital gain for tax purposes.
Dave from WA posted over 5 years ago:
Please make the Figures clear so we can actually see the comparisons. Thanks.
Charles from IL posted over 5 years ago:
Dave - If you click on the images twice, they will enlarge to a full screen view. This will allow you see the figures in better detail. -Charles Rotblut
George from VA posted over 5 years ago:
The charts were hardly legible ever after I had clicked twick on them.
Charles from IL posted over 5 years ago:
George, did you increase them to full screen view so they appear separate from the article? -Charles Rotblut
Leslie from MD posted over 5 years ago:
I did both enlarging efforts and they were still blurry and I could not read them.
Roger from WA posted over 5 years ago:
I just read in Money magazine that
9 times at much money flowed into REITS in 2010 vs. 2009. Also, the price of REIT equity stocks have soared 192% since March 2009. If this is true, why would anyone want to invest in REITS right now?
Curtis from IA posted over 5 years ago:
they were clear on my laptop
Jon from NY posted over 5 years ago:
Very interesting article; next, it would be useful to have someone build upon it by suggesting appropriate portfolio allocation percentages for REITs throughout the investor's life cycle; for example, should they replace stocks, bonds or a percentage of each, and, if stocks, what capitalization, what region...
Mary from MD posted over 5 years ago:
Figures very blurred whether enlarged or full screen.
Also, I'm new and could use some help. Where do I even get the names of some REITS to evaluate, and would I use the stocks screens to evaluate?
Charles from IL posted over 5 years ago:
Mary, if the figures are not appearing correctly on your screen, try printing the .pdf and see if that helps. The physical magazine should be arriving in mailboxes soon as well. As far as identifying REITs, NARIET has a list on its website: http://www.reit.com/IndividualInvestors/REITsinSPIndexes.aspx -Charles Rotblut, AAII
Brian from GA posted over 5 years ago:
If you right click on the figures and then "open in new window" or "open in new tab" they are very legible. Double clicking does not appear to do the trick anymore.
John p from GA posted over 5 years ago:
All you have to do RIGHT click on the image and choose "Open in a New Tab." The image will then be large, clear and in separate window.
C from RI posted over 5 years ago:
Correlations are an academic exercise that data miners and people looking to influence others use to ... influence others. What would have this 'correlation view' done to help investors avoid REITS in 1975 when they got creamed .... or in 1990 .... or in 2008 ?
I'm sure NAREIT would love AAII member to pile into REITS that would feed through to more commisions for realtors but it this really in the best interests of AAII investors ? Doubtful. Caveat emptor. Real estate can be a great investment but it is also very illiquid and VERY CYCLICAL. This article says nothing about those cyclical risks at present.
Brad Case says : "Current valuations are less important than low long-term correlations and strong long-term risk-adjusted returns."
This is baloney; current valuations DRIVE risk-adjusted returns so Brad is selling snake oil with this statement.
Ron from FL posted over 5 years ago:
I often have about 5% on Reits and have never been burned. As my 4.5% corporate bonds mature I use Reits and utilities as pseudo bonds.
James from WI posted over 5 years ago:
In their "Model Portfolio for Retirees - Balanced Portfolio", Morningstar recommends 2.5% in Real Estate (REITS)
John from CA posted over 5 years ago:
Are REIT's qualified investments for an IRA? Or are they, like Master Limited Partnerships considered to be off limits due to unrelated business income?
Charles from IL posted over 5 years ago:
John, my understanding is that REITs are qualified to be held in an IRA. They typically do not generate UBTI. -Charles Rotblut, AAII
Doug from CA posted over 5 years ago:
I have held REITs in an IRA for years, keeping between 10-15% of my total equity allocation. The results have been quite satisfying.
Leonard from NV posted over 5 years ago:
I am an ex-stockbroker of 30+yrs. My objective is to accumulate a good portion of my portfolio in REIT's that are extremely oversold and keep a close stop loss as they rise in value over the next 2 yrs or so. We are in an excellent interest rate environment and the fed will keep rates low for the next 2 yrs. Every stock or REIT has a cycle and if you buy into the extreme dips, you should generally be in good shape. Collect the divs and add more to the portfolio as each opportunity arises. Same is true for MLP's.
Winthrop from IL posted over 5 years ago:
Leonard from Nevada
You wrote "My objective is to accumulate a good portion of my portfolio in REIT's that are extremely oversold and keep a close stop loss as they rise in value over the next 2 yrs or so."
My question is:- Why do you what to keep a close stop loss....if you expect they would rise in value over the next 2 yrs or so?
Benjamin from VT posted over 5 years ago:
Where can i find current net asset values for reits?
Jean from IL posted over 5 years ago:
REIT data can be found at www.forbes.com/reits -Jean, AAII
Lee from NC posted over 5 years ago:
Mary asked for some names of REITs but no one seemed to respond. Here are some of the lower priced ones that I hold and their current dividend rate.
TWO [Two Harbors]div. rate 15.79%
MFA [MFA Financial] 12.66%
DX [Dynex Capital] 12.17%
CIM [Chimera Invest.] 16.00%
See also RSO, MSW, ANH, NYMT, ARR, AGNC
Peter from FLA posted over 4 years ago:
I remember the Rothschild maxim, to keep 1/3 of assets in real estate, 1/3 in equities and 1/3 in fine arts. I've applied the first part (1/3 in real estate) to my IRA and annuity accounts using RIET mutual funds, and the results have been excellent. very good article that quantifies the rationale for diversification with RIETs.
John Fagan from CT posted over 3 years ago:
I use the Vanguard REIT Index keeping it at 5% of my equity portfolio. I re-balance annually in January and have been finding that I am often selling some of my REIT shares and investing in parts of my equity portfolio that have not done as well. I have found that using this index is a lot easier than selecting individual REIT securities.
Peter Rukavena from NY posted over 3 years ago:
It is true that the correlation of the overall market with REITS does widen over long periods of time , there is one exception:
Unfortunately during periods of significant decline in the overall markets , REITS start to become highly correlated.
Just look at the levels of correlation with almost every investment during the 2008 meltdown.
Overall , maybe with the exception of some bond investments it pushed 90% plus correlation.
That being said I like REITS as a core asset holding, I currently have a significant position in a number of REITS.
Eric Slater from CA posted over 3 years ago:
I have had about a 15% allocation to REITS in my equity portion of my IRA for years, and also rebalance annually. I am very satisified with including them, but wonder why the reported P/E ratios for domestic REIT funds are so high compared to foreign REIT funds. I suspect this is due to the accounting of profits, and the fact that 90% must be returned to the stockholders to avoid corporate taxes, but would like to have an explanation from someone in the REIT industry that clarifies this.
Richard Sar from CO posted over 3 years ago:
My wife inherited a fraction of a REIT a few years ago and my son-in-law is executor for one his dad owned. Getting rid of them as part of an estate is difficult. Think as a mutual fund it would be easier to get rid of.
C Nelson from CA posted over 3 years ago:
REITs can be good and liquid. Nine years ago a friend (former mortgage banker and developer) suggested I look at a locally based triple-net-lease REIT because he liked their business model (not all REITs are the same!). The group traded on the NYSE "under the radar" at the time. Since it's local I attended their annual meetings - an astute CEO with a sense of humor, clear strategy and outstandingly transparent financial reports. The stock price doubled over the nine years all while paying an increasing monthly dividend (bought more when it dipped in 2008). Beginning this year they completed acquisition of another REIT and increased the dividend significantly. But recently the CEO retired and institutions now own a much larger percentage; such changes raise my nervousness level, so watching closely while holding (in my IRAs). The stock, Realty Income, trades under the symbol "O".
William Curtis from MS posted over 3 years ago:
REITS are cyclical, I have owned Vanguard's VGSLX since early 2009 and it did very well. I dropped them about mid-year due to the threat of Fed taper. As bond rates go up, REIT dividends become less appealing on a risk-adjusted basis. They have been under-performing the S&P since about mid 25013. I will buy again when they start to rise.
Sanford Levey from MA posted over 3 years ago:
I don't currently own any reits but would like to purchase some. I would appreciate any guidance re: the Timing to buy in. Thanks.
Thomas Barry from VA posted over 2 years ago:
I allocate 10% of my portfolio to REITs. The results have been excellent over the long term. They provide diversification, income and a greater return than bonds.
Angelo Caruso from NY posted over 2 years ago:
Just re-read this excellent article. This seems to suggest that it might be prudent to rebalance that portion of a portfolio allocated to stocks (e.g. among small, mid and large-cap stock allocations) more frequently, say quarterly, while rebalancing between REITs and total stock allocations less frequently, say yearly or even less often. Have there been an studies on that strategy?
Sanford Levey from MA posted over 2 years ago:
To make the graphs larger and more readable, click on the heading over the graph then "to see full image" will appear. Click on it and you will see full image
Which is much larger and easily readable.
Mike Callahan from CA posted over 2 years ago:
How about Mutual Fund REITs? I have done quite well with them.
Sorry, you cannot add comments while on a mobile device or while printing.


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On Sunday, Dec. 16, the annual black-tie Jack and Jill Beautillion was held at the Sheraton Denver Downtown Hotel. Coordinated by the Denver chapter of Jack and Jill of America, the evening celebrated the "Power, Promise and Potential" of today's African-American teens, with 24 outstanding high school seniors honored during the event.
The Beautillion was established in 1983 as a way to honor college-bound African-American males who are seniors at Denver-area high schools. Those chosen have excelled in academics, community service, athletics and various other extracurricular activities.
Read more about the event in this great write-up by Joanne Davidson at the Denver Post.


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Complete Coverage
» Gun Control: Six proposals that may be discussed in wake of shooting
» Newtown shooter Lanza's parents divorced with no hint of bitterness
» School shooter Adam Lanza attended college classes at 16
» Students around the country nervously return to school
» President Obama arrives in Newtown; hundreds of bullets found at Sandy Hook
» Sandy Hook shooting dampens holiday spirit for some, while others take comfort
» Sandy Hook shooting victims in Newtown will never be forgotten
» Newtown residents trace connections to shooter Adam Lanza's family background
» After Connecticut shooting massacre, Newtown seeks comfort in churches and congregations
» NFL teams pay tribute to Newtown victims
» Conn. gunman had hundreds of rounds of ammunition
» Obama offers 'love, prayers of nation' to Newtown
» Gunman forced his way in and opened fire on adults and kids
» Connecticut school victims shot up close, multiple times, coroner says
» 28 dead in Connecticut school shooting
» Sandy Hook shooting victims
» Who is Adam Lanza?
» Sandy Hook shooting: Timeline of events in Newtown
» Adam Lanza's family seemed like normal family, neighbors say
» Timeline: Mass shootings on U.S. campuses
» Connecticut has tough gun laws
» How safe our our schools?
» Connecticut school shooting elevates gun control debate
» Sandy Hook school shooting: How Newtown was covered
» Connecticut school shooting: How to help
» Dawn Hochsprung, Sandy Hook principal, and the school photos she shared with the world
» Coverage from the New Haven Register
Victim Profiles | Full list of victims
» Lauren Rousseau
» Anne Marie Murphy
» Emilie Parker
» Jesse Lewis
» Dawn Hochsprung
» Catherine Hubbard
» Benjamin Wheeler
» Daniel Barden
» Noah Pozner
» Ana Marquez-Greene
» Victoria Soto
» Mary Sherlach
» Dylan Hockley
» Olivia Engel
» Madeline F. Hsu
» Chase Kowalski
» Jessica Rekos
» Caroline Previdi
» Grace McDonnell
» Rachel D'Avino
» James Mattioli
» Josephine Gay
» Allison Wyatt
» Is now the time to talk guns?
» A parent's perspective
» What do we tell our children?
» Turning something ugly into inspiration for change
» Politicizing massacres is probably just what's needed
» Connecticut school shooting
» Vigils mourn shooting victims
» Connecticut mourns the children
» Connecticut Shooting - A day after


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Dennis Gilliam, our EVP of Marketing is unmatched in his romance for hot, whole grain cereal preparation. If you ever meet him, don't get him started or you'll soon understand why Bob's Red Mill has so many breakfast cereal options; he's a fanatic. Hoping to capture some of his gruelly passion, I sprayed the hive with this simple request and ran like hell, "how about a few words on cereal?" Here's what came buzzing out:
A wholesome breakfast of hot cooked cereal is often skipped for all of the wrong reasons. I sometimes hear, "Cooked cereal tastes like wallpaper paste" and "I don't have time for breakfast." Yet I notice coffee drinking in cars and donuts at desks.
There's a better way. Here it is.
Night before: Measure 1 c water into pan with tight-fitting lid.
Next morning: Bring water to boil, stir in 1/3 c. BRM granular cereal, replace lid, remove from heat. Go do stuff. In ten minutes, slide perfectly cooked (not overcooked) cereal into a bowl, embellish and eat. Hunger disappears until noon. Anyway, you did it "quickly and easily."


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With its mission to grow high technology jobs in New Jersey, increased Federal Small Business Innovation Research and Small Business Technology Transfer funding (SBIR and STTR) is an important goal for New Jersey Commission on Science and Technology (NJCST).
The SBIR/STTR programs make available more than $2 billion annually for competitive grants and contracts to small businesses. Over a period of 3-4 years entrepreneurs can receive a total of up to $850,000 and sometimes more to develop a technology and reduce its technical risk. These two programs are the best sources of risk capital for developing promising new technologies and are probably the closest thing to the entrepreneurs Holy Grail of "free" money. Even more significant is that they can serve entrepreneurs as a pathway to equity financing.
Small Business Innovation Research Program (SBIR)
SBIR is the federal government's principal R&D Grants program targeted to small science and technology based businesses. It is unarguably the best source of risk capital for developing promising new technologies and is probably the closest thing to the entrepreneurs Holy Grail of "free" money. Even more significant is that it can serve entrepreneurs as a pathway to equity financing. Federal agencies with extramural (external) R&D budgets in excess of $100 million must earmark 2.5% of these funds for competitive grants to small companies. There are presently 11 participating agencies with a total of more than $2 billion available for SBIR annually. Agencies include:
Participating agencies publish one or more SBIR solicitations per year available at the Federal grants website Grants.gov. Grants.gov allows organizations to electronically find and apply for competitive grant opportunities from all Federal grant-making agencies. Grants.gov is the single access point for over 1000 grant programs offered by the 26 Federal grant-making agencies. http://www.grants.gov
In the case of some agencies such as the Departments of Defense and Homeland Security the topics are very specific. These agencies have some very real, specific and immediate problems that they need your help in solving. At the other end of the specificity spectrum, the National Institutes of Health (NIH) and Department of Agriculture publish broader categories of interest and leave it to the applicant small business to specify the topic. Beyond those categories, NIH will entertain any proposal related to improving the nation's health and is the only SBIR agency to consider unsolicited proposals.
Small Business Technology Transfer Program (STTR)
Since STTR's inception, only the five federal agencies with the largest extramural R&D budgets in excess of $1 billion had participated including: Defense, Energy, Health and Human Services, NASA, and the National Science Foundation. Total funding for the STTR program is approximately 10% of the funding available under SBIR.
The objective of STTR is to stimulate the transfer of technology from research institutions to the marketplace via cooperative research and development. The intent was that small companies would commercialize promising ideas that originated in universities and other non-profit institutions. The reality thus far has been that a majority of projects have focused on co-development of the small business's technology.
Cost shared SBIR and STTR Proposal Preparation Assistance is available to New Jersey entrepreneurs. These services consist of written critiques of draft proposals and help in strengthening them. Up to 12 hours of assistance is available at a rate of $20 per hour, with NJCST covering the rest of the cost. For more information and to request assistance contact Randy Harmon at email@example.com
Grants.gov allows organizations to electronically find and apply for competitive grant opportunities from all Federal grant-making agencies. Grants.gov is the single access point for over 1000 grant programs offered by the 26 Federal grant-making agencies.
NIH Funding Opportunities and Notices
With the goal of improving public health, NIH funds the best scientific research projects applicants send to the institution. Peer review system evaluates each project for its merit -- NIH does not give money to investigators simply because they are established or well known. In general, the scientific quality of a project is the factor that determines whether what research get funded.
NIH Grants Home
US Small Business Administration SBIR-STTR Agency Solicitations
The US Small Business Administration plays an important role as the coordinating agency for the SBIR program. It directs the 11 agencies' implementation of SBIR and five agencies implement STTR, review their progress, and reports annually to Congress on its operation. SBA is also the information link to SBIR and STTR. SBA collects solicitation information from all participating agencies and publishes it quarterly in a Pre-Solicitation Announcement (PSA). The PSA is a single source for the topics and anticipated release and closing dates for each agency's solicitations.
Handbook for SBIR Proposal Preparation
This publication is to enhance the ability of small businesses to compete effectively in Small Business Innovation Research (SBIR) programs. The primary emphasis of this publication is on proposal preparation. As proposal submission is the culmination of a planning process, prudent firms devote attention to planning their proposal prior to the actual writing. The publication contains three chapters corresponding to a process through which your firm determines the suitability of SBIR participation, selects projects, and finally prepares proposals.