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Judgment brings five powerful Wish cards that allow you to get any card you own and put it into your hand. A dream strategy. Combined with deadly Phantoms, Judgment sets right the color imbalance created by Torment. Deep within the Krosan Forest, the final showdown for the Mirari will begin. Not everyone will emerge alive. No one will emerge unchanged.The time of Judgment is here. May your wishes come true.The Judgment expansion includes randomly inserted foil-finished premium cards in a limited, 143 all-new, black-bordered card set featuring 44 rares, 44 uncommons and 55 commons.


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Nested Climbing Stools Set
Set of four stools with nest for storage. Tops are covered with anti-slip safety tread. Stools Measure:10" W x 12" L x 2" H14" W x 18" L x 6" H12" W x 14" L x 4" H16" W x 20" L x 8" H*weight capacity is 250lbs

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Welcome to the Quilting Daily Member Gallery – where you can share your current or past projects with those in the community, receive feedback, and be inspired by other talented quilters. We know our community members are incredibly talented modern quilters, so we have provided a way for you to share your original quilting projects and images of your completed projects with each other and in the Free Member Gallery. Discover inspiration for your next quilt or quilted project, or find helpful techniques and how-to from members right here in the Quilting Daily community.
This collection is a great place to find quilting inspiration and explore various techniques and approaches to quilting design. You can explore projects in appliqué, surface design, have fun with mixing media, and more! Then share your unique patterns here. And be sure to check back frequently for inspiration and gorgeous new quilting projects.
Choose your category below all or click here to browse through all quilting patterns from members.


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I have to say: I *love* Netossa's face sculpt. It's absolutely beautiful. I hope they follow this model with future figures who had an animated counterpart (in particular, Flogg, Hydron and Flutterina with THOSE amazing eyelashes!). I also hope they find a way to get her mask out to those who want it (and the sword).
Intrigued by the other fully-tooled figures for this year. Perhaps Extendar and Gwildor?


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New product
The Christmas candle holders
Scooter hello kitty two wheels19,50 €
Disney princess scooter 3 wheel26,00 €
Disney Cars 3 scooter 3 wheels26,00 €
Tall candle holders with a splendid Christmas Bell hanging inside! with Christmas bells are ringing. "
diameter 8 cm
height 25 cm
Tracking of Shipping: As soon as your item is shipped, you will receive an email with a link to the monitoring of the shipment.
With this system you can know the status and location of delivery.
Timing of packaging and shipping: The item is shipped the same day payment * at the latest, the following day. Do not count as working days: Saturday, Sunday and all those days on the calendar that are in red. * (valid for payments received through PayPal or other methods immediate. Payments must be received by 13:00 on the days between Monday to Friday)
The cost for shipping varies depending on the product placed in the shopping cart
a mino € 7.00 to a maximum € 25.00
The shipping is free for orders over € 150 EU
The shipping is free for orders over € 300 Out EU
The times for shipping varies from 2-9 days
To conclude a purchase with this type of payment you will see a page of our website where you can enter 'e-mail account and password of your PayPal account or access to the procedure for creating a new one.
SOFORT Online Wire Transfer
SOFORT Banking. The system of direct bank transfer, international and TÜV.
The high safety standards of SOFORT Banking minimize the risks associated with online payments. A payment system verified and data protection verified by TÜV Saarland. Payments online with ease and security!
Each transaction requires the entry of personal home banking known only to the User himself (please keep handy the details of their bank account and PIN).
Each observation is confirmed and approved by the user with a password dispositive, an authorization code or by other confirmation procedures.
This payment does not include costs aggiuntivi.Sarete redirected to the payment after order confirmation.
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Bank transfer
Payment system is not on-line, using this method will see the page that shows the data required to make the payment. Not being an immediate payment method, the seller will wait until the actual crediting of 'amount provided before starting the shipping process.


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The late composer John Weinzweig, who would have turned 100 years old in March, is being remembered with a weekend of free musical events at the University of Toronto's Faculty of Music to be followed by a yearlong series of events across Canada.
Weinzweig is being honoured for his musical innovation, his passionate mentorship of students such as R. Murray Schafer and Harry Somers, his energetic advocacy for Canadian music, and his legacy as a founder of the Canadian League of Composers and Canadian Music Centre.
A free evening of music curated by Soundstreams artistic director Lawrence Cherney features the combined talents of conductor Victor Feldbrill, pianist Serouj Kradjian, soprano Shannon Mercer, flutist Robert Aitken, harpist Judy Loman, bassoonist Bianca Chambul, double bassist James Van Demark and the Guelph Chamber Choir. Walter Hall, Edward Johnson Building, 80 Queen's Park, March 8, 8 p.m.
A day of free lectures and lecture-recitals exploring Weinzweig's influence and contemporaries is offered on March 9, and the Cecilia String Quartet perform a free lunchtime performance on March 11. Also on that day, a commemorative plaque for the former Weinzweig family home is set to be unveiled as part of the City of Toronto's Legacy Project. For more details, visit www.johnweinzweig.com.
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Jacob and Jack: Teatron Toronto Jewish Theatre presents Jacob and Jack, a comedy by James Sherman that the Chicago Sun-Times called "a beguiling comic love letter to the American theatre and its Yiddish roots." In this theatrical farce, Jacob is the grandfather whom Jack honours with a theatrical tribute; afterward, in his dressing room, Jack confronts certain challenges as an actor and husband while Jacob is shown having problems of his own, 75 years in the past.
Toronto Centre for the Arts, Studio Theatre, 5040 Yonge St. Feb. 27 to March 10. Tickets are variously priced from $19 (preview) to $48. 416-781-5527, www.teatrontheatre.com
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Koffler Musician in Residence: Koffler Centre of the Arts and Ashkenaz Foundation present the exclusive artist residency of acclaimed, genre-defying musician, artist and educator Simja Dujov. The Buenos Aires-based artist blends Latin musical traditions with his eastern European Jewish roots and mashes in electro-klezmer, Balkan, Gypsy punk and other musical morsels. Dujov presents master classes, workshops and participates in other educational and musical activities from Feb. 17 to March 1.
He also performs a concert with friends at the Lula Lounge, 1585 Dundas St. W., Feb. 27, 8 p.m. $10, $12, $15. www.kofflerarts.org
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Jewish Jazz for Purim: Friends of Yiddish presents A Freylekhn Purim with Jewish Jazz featuring Jordan Klapman and Sharon Smith. Guests $10. Beth Tikvah Synagogue, 3080 Bayview Ave. (between Sheppard and Finch avenues). Sunday Feb. 17, 2 p.m. RSVP by Feb. 13 to Sandy, 416-458-1440 or email@example.com
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New in Print: Toronto-area dentist Lawrence L. Gaum, whose family came from Belarus via Cape Breton (where he was born), has published a collection of autobiographical stories and sketches titled Living Life and Saying Goodbye.
The author of a previous book of family history titled From Belarus to Cape Breton and Beyond, Gaum's focus continues to be family history, and the present collection includes many stories about relatives from Glace Bay. This diverse assortment is subtitled "Stories that take you far away… and bring you home again." Kudos to Gaum for recording his often-funny reminiscences for the benefit of his grandchildren and their descendants, friends and other interested readers.
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Arts in Brief
• Critic Kevin Courrier continues his series Woody Allen Past and Present with a discussion (with film clips) of Husbands and Wives, Bullets Over Broadway, Manhattan Murder Mystery, Sweet and Lowdown, Everyone Says I Love You, Match Point, Vicki Christina Barcelona and Midnight in Paris. $12 drop-in, students $6. Miles Nadal Jewish Community Centre, Monday, Feb. 11, 7 to 9 p.m. email@example.com, 416-924-6211, ext. 606.
• Spectrum Music and Al Green Theatre present Love, Loneliness and the Spaces Between, a Valentine's Day-themed concert with Jessica Stuart and the Spectrum house band. Inspired by prose and poetry ranging from The Little Prince to Of Poor Bertolt Brecht. $15, $10. Miles Nadal JCC, Al Green Theatre. Wednesday, Feb. 13, 8 p.m.
• Active Seniors and Boomers presents Jordan Klapman, pianist and music historian presenting a performance-program on Hollywood's Oscar-winning Jewish songs and composers. Between 1932 and 2010, Jewish songwriters won virtually half of the Oscars for Best Song, composing some of the most beloved music of the last century. Klapman takes a fascinating look at the songs and the lives of composers and lyricists such as Jerome Kern, Dorothy Fields, Irving Berlin, Harold Arlen, Frank Loesser, Lerner and Loewe, and Burt Bacharach. $3 includes light refreshments. Miles Nadal JCC, Feb. 14, 1:30 p.m. 416-924-6211, ext. 155.
• Hart House Theatre presents Martin Sherman's play Bent, a bold, intimate look at the homosexual victims of the Nazi regime, terrorized and forced to wear pink triangles just as Jews wore yellow stars. $25, $15, $10. Hart House Circle, University of Toronto, March 1 to 9. 416-978-8849, www.uofttix.ca


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Hanweck, Gerald A.
- Financial institutions and markets performance.
- Financial markets and their relation to Public Policy.
- Economic stabilization and monetary policy.
- Economies of scale and scope and mergers in the financial service industries.
- PhD - Economics, Washington University, St. Louis, MO
- BA - Economics, Stanford University, Stanford, CA
Gerald A. Hanweck is the associate dean of graduate programs and professor of finance in the School of Business at George Mason University. He was a Visiting Scholar in the Division of Insurance and Research of the Federal Deposit Insurance Corporation from 2000-07. He joined the faculty at George Mason in 1986, and teaches courses in corporate finance, applied global macroeconomics, financial institutions, and financial markets at the undergraduate and MBA levels.
At the FDIC he concentrated on the use of financial market information in bank risk management strategies, for use in establishing federal deposit insurance pricing, improvements in identification of banks in financial distress, and the subprime mortgage crisis implications for bank financial soundness. In this latter regard, scenario analyses have been developed relating macroeconomic and financial market factors to banking performance measures to better predict the effects of regional and macroeconomic cycles on banking company risk taking and vulnerability and mortgage portfolio stability. He has served as consultant to government agencies, banks and business and as an expert witness in litigation involving financial institutions and government agencies and is often cited in financial media articles.
Before joining George Mason University, Hanweck was an economist in the Division of Research and Statistics at the Board of Governors of the Federal Reserve System, Washington, D.C., concentrating on banking company mergers, bank lending and operating performance and financial stability.
Dr. Hanweck's research interests include financial institutions and markets performance, public policy regarding these institutions and the structure of their markets, economic stabilization and monetary policy as they influence financial institutions and markets performance, and economies of scale and scope and mergers in the financial service industries.
He has published research on these topics in academic and professional journals including Journal of Banking and Finance, Journal of Monetary Economics, Bankers Magazine, Journal of Economics and Business, The Antitrust Bulletin, and Journal of Money, Credit, and Banking. In addition to this research, Dr. Hanweck co-authored two books with Bernard Shull, Interest Rate Volatility: Understanding, Analyzing, and Managing Interest Rate Risk and Risk-Based Capital, published by Irwin Professional Publishing, January 1996 and Bank Mergers in a Deregulated Environment: Promise and Peril, Quorum Books, 2001.
He is presently working on a third book on the perilous effects outlined in Promise and Peril leading to the financial and economic crisis of 2007-2009 and the proposed measures to avoid these crises in the future.


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Girls' Under Armour Fleece Storm Printed Big Logo Hoodie
Product Details
Sweatshirts are supposed to be comfortable, but many of them sag at the first sight of rain. That's why Under Armour created the Under Armour Fleece Storm Printed Big Logo Hoodie. They took the classic fleece hoodie, added material that takes Mother Nature head on, and the result is a super-comfortable sweatshirt that keeps kids dry from the inside out.
Don't be afraid to send your little one outside in this stylish fleece hoodie when rain is falling, as UA Storm technology laughs in the face of moisture. Rain beads up when it hits this innovative fabric, while the moisture transport system wicks sweat to keep them dry and comfortable. Kids will enjoy freedom of movement due to the lightweight stretch construction, while their stuff stays secure in the classic front kangaroo pocket. The two-piece hood with UA tech lining also supplies superior comfort and fit.
Don't let a little rain get your kids down in this classic, high performance Under Armour Kids' Hoodie.
- FABRIC: Armour Fleece with Moisture Transport System
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WAYNESBURG – Repair work continues on large wood timbers between the ceiling and roof of the original section of the Greene County Courthouse that were found to be separating at the joints above Judge William Nalitz's courtroom early last year.
Steel beams have been bolted to the old wood beams to reinforce them so they won't separate again. They were lowered into the attic through a boxed hole on the courthouse roof that had one time contained a fan.
The problem with the wood timbers, which are believed to be part of the building's original 1850 construction, was discovered when jurors in Nalitz's courtroom, courtroom No. 1, noticed movement in the ceiling above Nalitz's bench.
Emergency repairs were made and plans were developed to repair the beams permanently.
In September, the county commissioners awarded a contract to make the repairs to Allegheny Restoration of Morgantown, W.Va., in the amount of $394,566.
A contract also was awarded to KMAC Inc., of Pittsburgh for $96,800 to update the sprinkler system. The existing system had leaked several times in the last 10 years, after water in the sprinkler lines froze and broke the pipes or fittings.
One major leak in January 2009 had resulted in extensive damage to the courtroom and offices below it.
The existing sprinkler system will be replaced with a dry-pipe system that only fills with water when heat activates the system, said Chief Clerk Jeff Marshall .
A third contract also was awarded at the time to make needed updates to the courthouse heating and air conditioning system. That contract went to Mountain Air Sheet Metal of Cross Lanes, W.Va., in the amount of $51,800.
Work began in October and has proceeded fairly smoothly. Marshall said several change orders have added $25,000 to the total cost.
Marshall said Monday the project should be completed between March 4-11.
During the work, Courtroom No. 1 has not been used. A temporary courtroom has been established in the law library on the third floor of the newer addition. Nalitz's chambers also have been moved to a room on the third floor.
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Officials in Washington and Greene counties said that a U.S. House of Representatives proposal to reduce community development block grant funding by nearly 50 percent would have a significant impact on communities here.
The CDBG program is an investment of federal dollars that helps cities and municipalities pursue economic development projects, improve communities and create jobs.
News of the proposed cut came in a news release last week from U.S. Sen. Bob Casey, D-Pa., whose own chamber is proposing a slight increase in the CDBG budget for fiscal year 2014.
According to Casey, the Senate is seeking $3.15 billion in CDBG funding, up from the $3 billion enacted for the current fiscal year. The House bill, which recommends $1.67 billion for the next fiscal year, would cut the funding stream by nearly half.
"I was disappointed to see that the House of Representatives has decided to drastically cut funding for the CDBG program," Casey wrote in a letter to heads of the Senate Committee on Appropriations and the Subcommittee on Transportation, Housing and Urban Development. "The House funding level of $1.67 billion for fiscal year 2014 is inadequate and will make it tougher for cities and municipalities to make ends meet in a challenging economic climate.
"The CDBG program has already had its funding cut nearly 25 percent in the past few years, and this has had negative repercussions in many communities across the country. Now is not the time to make further cuts to his important job-creating program."
William McGowen, executive director of the Washington County Redevelopment Authority, which administers CDBG money for the county's municipalities, acknowledged that a 50 percent cut would mean that many projects wouldn't be accomplished.
For fiscal year 2012, Washington County received a CDBG allotment of $3.225 million, and is about to begin using 2013 funds totaling $3.3 million, according to Brenda Williamson, the authority's community development senior director.
McGowen explained that five communities – Washington, Canonsburg, Charleroi, Donora and Monongahela – receive funds each year, while the remaining municipalities receive funds every three years.
Projects around the county receive funding for everything from storm sewer improvements to money for parks, playgrounds and sidewalks.
Once an allotment is determined, the authority works with a municipality to select an eligible project that fits the amount of funding available, McGowen said.
Historically, Greene County has received between $200,000 to $250,000 a year – money the commissioners allocate to communities that submit proposals that fall within the CDBG guidelines.
Jeff Marshall, the county's chief clerk, said most municipalities submit requests for water and sewage projects, and while the amount they receive does not cover all the projected costs, "the allocations still provide them with seed money or with the opportunity to seek matching funds," he said.
"This money certainly is important to these communities," said Robbie Matesic, director of Greene County's Department of Development, which works in concert with the county commissioners to administer the program. "I just don't understand why Congress would cut money for these communities that must meet a low-income threshold."
Three municipalities – Waynesburg Borough and Franklin and Cumberland townships – are considered entitled communities and receive CDBG money independent from the county.
"Greene County municipalities will take a serious hit if this reduction goes through," Matesic said. "I understand when the money is divided up it is not all that much, but these communities have come to depend on it."
Washington County also receives additional federal funding under HOME and Emergency Shelter grants. HOME funds are used to increase the supply of safe, sanitary and affordable housing for lower-income residents. ESG funds are used to increase the supply of shelter and provide services for homeless people and to prevent homelessness.
In fiscal year 2012, the county received $522,267 in HOME funds and $337,615 for ESG.
Williamson noted that for this fiscal year, HOME funding declined to $492,490, while ESG fell to $235,294.
Matesic, Williamson and McGowen said CDBG funding, which has been distributed since 1974, has risen and fallen over the years.
"It's kind of like a roller coaster," Williamson said.
Greene County bureau chief Jon Stevens contributed to this report.
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Gymboree® Visa® Card
The Gymboree Visa Card offers an instant 5% discount on all Gymboree purchases when you use your card. You'll also earn a 1% reward on all other Card purchases, as well as a $10 Gymboree Enrollment Bonus after acceptance.
For further details, or to apply for a card, click here, or call 1-888-444-9999, ext.2031.
Customers outside of the United States are not eligible for the Gymboree Visa Card at this time.
To Use Your Card Online:
Proceed as usual through our checkout process.
When you reach the Payment page, enter your card number as you would any other Visa card. For security purposes, you'll also need to enter the 9-digit Gymboree Customer/Verification Number, located on the back lower left of your card. Select "Gymboree Visa" from the credit card "Type" pull-down.
Complete any other entries on the Payment page and click the "Continue Checkout" button.
You will see your 5% discount applied on the Order Review page. (Please note that the entire purchase must be charged to your Gymboree Visa Card in order to receive the discount. The discount is applied to the order total after any other promotional discounts. Discount will not be applied to shipping charges, taxes, gift cards, Play & Music class passes, in-store phone orders, or donations. When using GymBucks, the discount will be applied to the order subtotal, prior to the application of GymBucks. Gymbucks will be earned on the order total after the Gymboree Visa discount.)
Verify that your order information is correct and click "Submit Order" button.
To Use Your Enrollment Bonus on www.gymboree.com:
Use your Gymboree Visa Card to make a purchase on www.gymboree.com. Within 30 days after you have received your order, staple the original online receipt to the Enrollment Bonus (duplicates will not be accepted) and send them to:
Attn: Online Enrollment Bonus Redemption
2299 Kids Way
Dixon, CA 95620
Gymboree Customer Service will credit your Gymboree Visa account within 1-2 billing statements.
The name printed on the Enrollment Bonus must match the name on your Gymboree Visa Card. The Enrollment Bonus is only valid toward a pre-tax, post-discount Gymboree Visa Card merchandise purchase equal to or greater than the amount on the front of the Enrollment Bonus. A percentage of the Enrollment Bonus will be forfeited on all returned or exchanged items.
The Enrollment Bonus may not be applied towards phone orders, prior sales or purchases at Gymboree Play & Music locations. You must surrender the original Enrollment Bonus at the time of purchase and only one Enrollment Bonus per transaction per visit may be used. Employees and preexisting cardholders are not eligible. The Enrollment Bonus is not redeemable for cash and may not be sold, altered, duplicated, negotiated, auctioned, or bartered and may not be transferred in conjunction with the sale and barter of another item(s). Lost, stolen or destroyed Enrollment Bonuses will not be replaced. See Enrollment Bonus for additional restrictions.
If You Have Any Questions Or Problems With Your Card:
Please call US Bank 24-Hour Customer Service at 1-866-234-4672. Hearing impaired customers, please call TDD 1-888-352-6455. Outside the US, call collect 701-461-2174.


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Time has never been so, well, timely. These trendsetting and stylish contemporary clocks know just how to hand you the proper hours and minutes (and seconds) by gracing your wall in a functional-but-always-attractive way. Encircled by fashionable aluminum and protected by a sturdy plexiglas face, these modern wall clocks know how to keep time without skipping a beat (minute or otherwise). And at a nicely sized 14" diameter, this is one clock face that adds instant personality to the décor in your home, office, studio, or wherever else you feel like keeping time.
One AA battery is all you need, and accurate quartz movement by the hour, minute and second is instantly yours. Images range from favorite pastimes and hobbies to tongue-in-cheek sayings, plus just about everything in between. You can also create your own personalized wall clock—simply upload the original image or quote you like best and go!


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PITTSBURGH – They needed an extra two minutes and 33 seconds, but the Pittsburgh Penguins extended their winning streak to 12 games.
Tyler Kennedy's overtime goal capped a late comeback and gave the Penguins a 2-1 victory over the Philadelphia Flyers before 18,662 at Consol Energy Center Sunday night.
"It was a tough-fought game," coach Dan Bylsma said. "They did a good job protecting and being tough around the net. It was tough to get in there."
Sidney Crosby scored the tying goal on a 5-on-3 power play at 13:46 of the third period. The Penguins are now on a 14-2 streak in one-goal games.
"Everybody stuck to the plan," goalie Marc-Andre Fleury said. "Everybody stayed calm and disciplined."
It was an eventful day for the Penguins, who announced the acquisition of veteran forward Brendan Morrow in a trade that sent former No. 1 draft pick Joe Morrow to the Dallas Stars.
"It's a great acquisition for us," said Crosby, who was Morrow's teammate in the 2010 Olympics. "He has a ton of experience, he's a great leader. He plays well at both ends of the ice. He's tough for other teams to handle. We're definitely happy that he's going to be part of our team.
"You expect every shift that he's going to make a big hit, be around the net, pick up rebounds. He's killed penalties. He's going to be great for us."
The Penguins will take their streak into Tuesday's game, thanks to the shot that Kennedy fired over goalie Ilya Bryzgalov's right shoulder from the left circle. Kennedy faked a shot to buy an extra second, then used Pascal Dupuis as a screen on the winning goal.
Dupuis' presence on the ice was something of a surprise, given that he was driven into the boards from behind by Braydon Coburn as time expired in the third period. No penalty was called.
Fleury, who had another strong game, needed to make two saves from close range against Andrej Meszaros in overtime.
"It maybe wasn't as exciting for the fans as a 6-5 game, but I thought we played really well for 60 minutes," Fleury said.
Crosby likened it to a game earlier in the streak, when the Penguins carried the play against Boston but needed a late comeback to win.
"I felt like we were confident we would get back in it if we kept getting those chances, and we did," Crosby said.
The goal was his first on the power play in 17 games. Crosby put a shot in off a goal post from the right circle as the two-man advantage was expiring.
"We build off goals and big plays, and that showed in the way we played in the third period," Kennedy said.
Claude Giroux scored for the Flyers on a power play at 14:09 of the second period. Paul Martin was sent off for slashing after a mild retaliatory tap against agitator Zac Rinaldo. Giroux's attempted pass hit off Penguins forward Tanner Glass and bounced back to Giroux, whose quick shot beat Fleury.
With the trade deadline looming at 3 p.m. April 3, attention will probably be divided as the Penguins settle in on a five-game homestand. Could there be another deal?
"We'll see,' Shero said. "There's still a week to go."
Malkin missed his eighth game with an upper body injury, and defenseman Kris Letang sat out his third with an upper body injury. … The Penguins are 10-2 without Malkin this season. … Brooks Orpik had seven hits and Cooke added six. Mark Eaton blocked four shots. … Crosby had seven shots on goal and Dupuis had six. … Pittsburgh's 12-game and 11-game winning streaks in the previous two seasons had both been ended by the Flyers.
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First of all, I want to thank our partners for the energy and momentum you are driving with Office 365. FY13 Q3 was our strongest quarter ever with net seat additions up five times over the prior year. And as you likely heard by now, we have more than 150,000+ partners enrolled to sell Office 365 and other Microsoft cloud services. Since February when we announced GA of Office 365, I've been traveling and meeting with partners from around the world, hearing first-hand about the great business results partners and customers are seeing with Office 365 ProPlus, Office 365 Midsize Business Premium, Exchange Online, SharePoint Online and Lync Online as they embrace devices and services, opening up new scenarios in collaboration, sharing and communication.
This week at the Worldwide Partner Conference (WPC), we're announcing several updates that demonstrate the continued growth of Office 365 and new opportunities for partners.
Expanding Office 365 SKUs through the open program
With Office 365, partners are already realizing the opportunity through the Office 365 Open program announced at WPC last year. In response to partner feedback, it provided an opportunity to own the billing relationship with their end customers – to capture top-line revenue and upfront margin. Now, we are announcing the expansion of the Open program to include Office 365 ProPlus, Exchange Online, Enterprise, Government, Academic offering and more.
These new SKUs will complement the Office 365 Midsize Business offering that was launched in the Open program in March 2013 and provide increased flexibility and choice for both customers and partners in their move to the cloud. We are also investing more than $100 million in partner enablement, above and beyond margins and channel incentives.
The move to the cloud represents a new era of partner opportunity. Leading customers to the cloud is just the beginning and partner will continue owning that relationship to help customers get the most out of Office 365 with their service offerings. And we will continue delivering on our intent for partners to lead and own the customer relationship.
Yammer and enterprise social
And with Yammer now part of the Office family, we've seen tremendous momentum in enterprise social and interest from customers and partners about how they can start benefiting from new tools and features. The Yammer partner enablement program for FY14 will focus around enabling Microsoft's partners to sell, deliver and integrate Yammer. It will also provide education and best practice guides to help partners achieve customer network success and deliver the value enterprise social brings across an organization, based around the Yammer methodology called the Social Journey.
Power BI for Office 365
Yesterday, we announced Power BI for Office 365, a self-service business intelligence (BI) solution that combines data analysis and visualization capabilities for deeper business insights in Excel, with the power to collaborate and scale in a trusted cloud environment through Office 365. With Power BI for Office 365, users can connect to data in the cloud or extend their existing on premise data sources and systems to quickly build and deploy self-service BI solutions.
Power BI for Office 365 enables customers to do more with their data:
- Analyze and present insights in compelling visual formats either on premises or in the cloud from Excel.
- Share reports and data sets online with content that is always kept up to date.
- Ask questions of your data using natural language search and get immediate answers through interactive tables, charts and graphs.
- Access and stay connected to data and reports from your mobile devices wherever you are.
We know it's important for IT to manage and enable collaboration while being able to access internal data in a trusted environment. Customers will get access to our BI tools natively within Excel and be able to uncover insights, find answers and stay connected to their data wherever they are. Customers can sign up now for the Power BI for Office 365 preview, coming out later this summer, at www.office.com/powerbi. For more details around the newly launched Power BI, check out the Office News Blog.
Office app downloads and new stores
Building on the success we've seen with the US Office Store, we are introducing 22 new markets with localized Office and SharePoint Store fronts as well as French, German, Spanish and Japanese language apps.
We've already seen strong momentum for the apps in the Office and SharePoint Store, with nearly 1 million downloads. With the Office and SharePoint Store, developers have the ability to reach Office users across consumer and business audience directly– with more than a billion Office users around the world, this is a huge untapped market opportunity as customers move to the cloud. All users of Office have access to the Store from within the Office products and the Store itself, making distribution and access to our partners' apps simple and seamless. For more information about our new Office Stores and availability of apps in additional languages, check out Office News blog.
I always value the time I have at WPC to connect with our partners and learn more about how we can better work with them to better serve customers. Feel free to take a look at our Office 365 blogs this week to learn what our partners are saying about Office 365; and while we may simply think of Office 365 as a cloud service, take a look at the video for a slightly more irreverent view.
I look forward to seeing what we can accomplish together over the next year!
–Kirk Gregersen, General Manager, Microsoft Office Division


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The Albuquerque-Santa Fe-Rio Rancho triangle could become home to four medical marijuana growhouses, according to documents filed with the New Mexico Department of Health and the Public Regulation Commission.
In July 2007, the Department of Health began development of New Mexico's Medical Marijuana Program as mandated by the Legislature. Two years later, several hundred patients have enrolled in the program, but questions remain as to when the program will produce enough cannabis to meet demand.
To date, the Department of Health has received 10 applications from nonprofit organizations for licenses to grow pot. Though DOH has attempted to keep the names of the organizations confidential, SFR was able to determine most of their names (see Producers), including the only one DOH has approved so far—Santa Fe Institute of Natural Medicine Inc.
Santa Fe lawyer Margaret Schulze, who serves as the organization's media contact and as a board member, says she was approached by a California group engaged in that state's medical marijuana program and helped it craft its application. SFINM will have its administrative offices in Santa Fe, but grow its marijuana at a facility in Sandoval County. It plans to distribute the drug strictly through a delivery service.
In an interview with SFR, Schulze asserted the nonprofit would likely "pull up stakes" if SFR published its name in this story, arguing that to do so would attract the attention of the US Drug Enforcement Agency as well as criminal elements.
Not all medical marijuana producers are as skittish. If approved, another nonprofit, Organtica, based in Los Cerrillos, will be the pot farm closest to Santa Fe.
"The reason that I'm in Cerrillos is it just happens to be where I had some land that I'm willing to gamble if the feds come in," Organtica founder David C Romero White, a graphic designer who grew up in a homeopathic Christian Science family, tells SFR. "I'll gladly surrender my land and do whatever time I need to…We don't want weirdos and bad elements showing up at our place, but other than that, I have nothing to hide."
Organtica would serve the Albuquerque and Santa Fe corridor through a delivery service, according to the application filed with DOH. Eventually, White would like to move production to an industrial park in Albuquerque but, in the meantime, he says, the staff will stay small, with two full-time growers, a few part-time trimming and packaging workers and two full-time deliverers.
"It really depends on the number of clients and what size the demand is going to be like," White says. "That part I can't predict."
Only 361 patients are currently registered with the program, although estimates of eligible patients in New Mexico range from a few thousand to 46,000. This number grows as the DOH approves more conditions; currently 14 conditions qualify, with "severe chronic pain" the most recent addition. Hospice patients also are eligible.
"There will never be enough supply to take care of the demand," White says.
Not only is the demand unmeasured, but so is a facility's potential capacity. Producers are limited to 95 plants at any given time. According to cannabis program officials, a facility should be able to handle about 40 patients, though SFINM claims it can serve approximately 85 patients.
"Frankly that's one thing that just pisses me off about people saying 'oh yeah, we can serve 88' or the state saying 'you should be able to serve 44,'" White says. "They have no idea."
White is working closely with Thomas Murray, a retired Army major who says he coordinated an anti-drug program for the military. Murray also has filed an application for his nonprofit Southwest Organic Producers, which would grow cannabis in Corrales and serve patients in Belen, Albuquerque and Rio Rancho.
Murray says he's looking to medical marijuana growers in Mendocino County, Calif. for guidance. Based on their experiences, Murray estimates New Mexico growhouses will max out at 96 patients, based on the assumption that six to eight plants will produce one pound of marijuana every two months, with maximized indoor lighting rotations.
Although two other nonprofits have applied to sell marijuana on-site, Murray and White agree delivery-only service is the best option.
"[Regarding dispensaries] I don't think the state wants to go there yet," Murray says. "But if I was going to do that, I'd have a cannabis buyers' club."
One nonprofit proposing a dispensary says it's abandoned its application.
"We've already been declined and it's not going anywhere," NMMC Co. incorporator Carlos Armijo tells SFR. "It's like a moot point, at this point, and we've given up. The process is a little more difficult [than we thought]."
DOH Public Information Officer Deborah Busemeyer denies the department rejected NMMC's application. Medical Cannabis Program Coordinator Melissa Milam could not be reached because she's on maternity leave.
That's another problem, Murray says: The program has all but come to a standstill in Milam's absence. Milam and DOH Infectious Disease Bureau Medical Director Dr. Steve Jenison are the only two staffers overseeing the program.
"The state, not by design, but through the way they've formed [the program], they have not added enough people to fully staff that section the way it should be," Murray says. "I could turn on in about 15 minutes upon approval."
Visit SFReeper.com to read the applications (including three new ones) as well as an interview with former New Mexico health official and medical marijuana activist Bernie Ellis, who was sentenced to probation for growing pot on his farm in Tennessee.
In order to protect Medical Cannabis Program participants from criminal investigation and robbery, the New Mexico Department of Health enacted a rule not to divulge the names and locations of nonprofit marijuana producers. Nevertheless, SFR was able to identify eight of the 10 nonprofit applicants by cross-referencing documents filed with the Public Regulation Commission and through redaction errors on producer applications obtained under the New Mexico Inspection of Public Records Act. All applications are still pending approval, with the exception of Santa Fe Institute of Natural Medicine, which has been approved.
1. Cannacare of New Mexico Inc.
Location: Registered in Silver City
Dispensing: Unavailable
2. Grassroots RX
Location: Registered in Roswell
Dispensing: Delivery
3. Medzen Services Inc.
Location: Cibola County
Dispensing: Delivery
4. NMMC Co. (New Mexico Medical Cannabis LLC)
Location: Chaves County
Dispensing: On-site, delivery for severe cases
5. Organtica
Location: Los Cerrillos/Santa Fe
Dispensing: Delivery only
6. Santa Fe Institute of Natural Medicine Inc.
Location: Santa Fe County
(administration), Sandoval County (growhouse)
Dispensing: Delivery only
7. Southwest Organic Producers
Location: Corrales/Sandoval County
Dispensing: Delivery only
8. Unknown
Location: Albuquerque/Bernalillo County
Dispensing: On-site
9. Unknown
Location: Unavailable (serves entire state)
Dispensing: Delivery only
10. Veggies Inc.
Location: Eddy County
Dispensing: Delivery only


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Today marks the 50th Anniversary of the establishment of the Peace Corps, an inspiring agency that has brought peace and friendship to communities around the world. Since its creation, over 200,000 Americans have made the commitment to dedicate part of their lives and work in 139 total countries.
Today, Dr. Robert E. Wuertz was sworn in as the new Mission Director for Macedonia for the United States Agency for International Development (USAID). The oath was administered by USAID Administrator Dr. Rajiv Shah.
Zanzibar celebrated the handover of the highly successful Zanzibar Teacher Upgrading by Radio Project (ZTUR) to the Ministry of Education and Vocational Training on February 23rd, 2011 at the National Teacher Resource Center. The handover ceremony was jointly presided by the U.S. Deputy Chief of Mission Robert Scott and Zanzibar's Minister of Education and Vocational Training Ramadhan Abdulla Shabaan.
Officials from the U.S. Government and the Government of Southern Sudan joined Western Equatoria State authorities and members of the Maridi community to inaugurate the town's first power generation and electricity distribution system. The Maridi community participated during the construction phase of the project by taking part in stakeholder meetings to decide on the type of utility to be built, providing most of the local labor force for construction activities, and utilizing local materials from Maridi.
Mark Lopes, USAID Deputy Administrator for Latin America and the Caribbean and Maria Cristina Lazo, Executive Director of the International Cooperation Agency of Chile (AgCI), signed a Memorandum of Understanding to pursue joint development cooperation in third countries.
In response to the earthquake in New Zealand and upon request from the New Zealand government, the United States is deploying a U.S. Agency for International Development (USAID) Disaster Assistance Response Team (DART). The Response Team will include the Los Angeles County (California) Fire Department Urban Search and Rescue team (USAR) to assist with the search and rescue efforts.
WASHINGTON, DC - Michael E. Hase, 62, was arrested in Dulles, Virginia yesterday by Federal agents of the Office of Inspector General, U.S. Agency for International Development (USAID). Hase was arrested on an embezzlement charge stemming from his work as a controller for USAID, announced Ike Hendershot, Assistant Inspector General for Investigations.
300 million fewer women than men own and access mobile phones in the developing world, according to a report released in 2010 by GSMA, the world's largest mobile industry association. The report highlights the barriers facing women's adoption of mobile technologies in the developing world.
Today, USAID Administrator Dr. Rajiv Shah presented the David E. Barmes Global Health Lecture at the National Institutes of Health (NIH). In his comments, Dr. Shah issued a challenge to the development community around a set of transformational goals. He also reaffirmed USAID's commitment to the President's Global Health Initiative.
BRASÍLIA, Brazil - USAID Deputy Assistant Administrator Mark Lopes and Minister Marco Farani of the Brazilian Agency for Cooperation (ABC) today signed a Memorandum of Understanding to create a professional staff exchange program between their agencies. Beginning in April, each agency will host a staff member in their offices to share expertise and collaborate on joint programs to facilitate peer-to-peer learning on donor best practices around the world.
WASHINGTON, D.C. - On February 15th, USAID Administrator Dr. Rajiv Shah will deliver the David E. Barmes Global Health Lecture at the National Institutes of Health. This appears to be the first address to NIH staff at-large by a sitting USAID Administrator. In his remarks, Dr. Shah will chart a course forward for President Obama's Global Health Initiative and issue a challenge to the development community around five transformational goals.
Over the next three days more than 900 leaders and experts from agriculture and health will gather in New Delhi, India to amplify the important linkage between nutrition and agriculture in poverty reduction. The focus of the International Food Policy Research Institute's (IFPRI) 2020 Conference, "Leveraging Agriculture for Improving Nutrition and Health", reflects the emphasis of the international community's increased efforts to improve undernutrition, which is an essential component of the USG's Feed the Future and Global Health Initiatives.
WASHINGTON, DC - USAID Assistant Administrator for Latin America and the Caribbean Mark Feierstein and Assistant Secretary of State for Western Hemisphere Affairs Arturo A. Valenzuela will travel to El Salvador from February 9-11. Feierstein and Valenzuela seek to deepen and enhance El Salvador's bilateral partnership with the United States, through the Presidential Policy Directive on Global Development. The delegation will also discuss joint efforts to ensure the safety and security of Salvadoran citizens and will meet with political and private sector leaders.
In response to a request from the South African Government, USAID through the South Africa mission will provide emergency relief services to flood-impacted South Africans in the Free State province. USAID will provide $50,000 in assistance to Rescue South Africa (RSA) to assist disaster managers in setting up working groups to evaluate the damage, help formulate a repair and recovery strategy, estimate the cost of repairs and materials, and make repairs and disbursement the funds.
The implementation of U.S. civilian assistance programs in Pakistan continues to face challenges, amid the aftermath of unprecedented flooding in the country, continued security threats, and the loss of Ambassador Holbrooke's leadership in development assistance efforts.
USAID through PEPFAR has joined forces through a public-private partnership between Bristol-Myers Squibb Foundation, Baylor College of Medicine International Pediatrics AIDS Initiative (BIPAI), and the Government of Tanzania to help fight the HIV/AIDS epidemic with the opening of a new pediatric facility "Center of Excellence." The center will serve children and families in Mwanza, Tanzania and its surrounding regions; providing much needed access for a population of almost 9 million people.
The United States Agency for International Development (USAID) will provide additional food assistance to Liberia for refugees who have fled post-election violence in Cote d'Ivoire. Soon after the violent outbreak, USAID's Office of Food for Peace authorized the use of food commodities already in Liberia for emergency food assistance for the first Ivorian refugees who crossed the border.
At the annual World Economic Forum (WEF) in Davos, Switzerland USAID Administrator Dr. Rajiv Shah gathered with the CEOs of Unilever and Monsanto to support the launch of WEF's global framework titled "Realizing a New Vision for Agriculture." The show of support emphasizes USAID's leadership in creating synergies between the public and private sectors to meet the global food security challenge.
On January 27th, the U.S. government and the government of the Russian Federation, through the U.S. Agency for International Development (USAID), the U.S. Department of Health and Human Services (HHS), and the Ministry of Health and Social Development of the Russian Federation (MOHSD), signed a Protocol of Intent on Cooperation for the Global Eradication of Polio.
USAID Administrator Dr. Rajiv Shah will deliver a major address today at 2pm at an event hosted by the Center for Global Development on The Modern Development Enterprise, addressing the current state of development and formally announcing the Agency's 50th anniversary.
Last updated: October 24, 2017


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First – select your town (and area if you wish)Then – enter the number of dinersFollowed by – the date you wish to dineAnd Finally – choose between lunch or dinner offersClick() 'search' and you're away!
But remember – availability of offers varies depending on the restaurant, if you can't find an offer for the restaurant you're looking for this doesn't mean it will never have availability, try searching for another date, or drop us an email and we'll see what we can do!
Click 'Browse all restaurants' and enter your area and it will show you a complete list of all the restaurants with offers in that area, along with some information about each one. Click on a restaurant's name or the 'information' icon and it will take you to any available photos and more info about the restaurant.
For a quick search to see all the offers available today click 'Today's Offers', then enter your area and number of diners. If you have an idea of what you'd like to spend you can also select a price range. Then click 'Search'.
If you already know the restaurant you'd like to visit simply enter all or part of its name in the 'Quick Search' box and if it's listed on 5pm this search will take you to more information about it.
Look out for options to search by cuisine type, area and price range to help you narrow down your search.


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Review: Bowmore 18 Year Old Single Malt Whisky
Posted by Arctic Wolf on July 17, 2011
The Bowmore Distillery sits at the edge of Loch Indaal where the briny breezes of the sea blow directly across and into the warehouses full of Bowmore whisky barrels. This means that at least some of that salty brine is bound to make its way into the casks and set its imprint into the flavour. The distillery itself contains two pairs of stills, six Oregon washbacks, and it is one of the few remaining Scottish distilleries to produce its own malt on its own malting floor. The location of the distillery next to Loch Indaal, and the peated barley produced under Bowmore's own malt drying kiln have been linked to the unique flavour and character of the whisky know as Bowmore.
I should mention that due to the sheer volume of whisky produced by Morrison Bowmore, there is insufficient room to age all of the casks in the Bowmore seaside warehouse facility, nor does the facilities' malt floor have the capacity to produce all of the malted barley to meet Bowmore's requirements. However, both portion of whisky aged in the Bowmore warehouses, and the portion of malted barley produced on their malt drying floor are significant such that these unique characteristics of the Bowmore Distillery are well worth noting.
The Bowmore 18 Year Old Single Malt Whisky is part of the core range of Bowmore Single Malts. This whisky is matured in a combination of American Bourbon Casks and Spanish Sherry casks. I was given a small set of 3 200 ml sample bottles of the Bowmore 12, the Bowmore 15 (Darkest) and the Bowmore 18 year Old Single Malt Whisky for review here on my website. My review of the Bowmore 18 Year Old is the third review in the series.
Here is an excerpt from my review:
"…The Bowmore 18 leads out with the rich taste of chocolate toffee which permeates all of the other flavours I encountered. The peat and sherry smoke flavours become evident immediately as they ride in the currents of that chocolate accenting the flavour with herbal tones from the peat and dry fruits (like raisins and prunes) from the sherry. The oak is making things just a little heated in the mouth but a strong undercurrent of sweetness works with this heat making everything taste delicious…"
You may read the full review here:
Review: Bowmore 18 Year Old Single Malt Whisky
Please enjoy the Review!
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The location of this bend in the river may have been a mystery to some of us here at the Observer-Reporter (or at least to this writer), but it was obvious to many of our readers who flooded us with calls and email messages. Though the horseshoe-shaped bend in the Monongahela River is only partially visible in the photo, Almost every reader who contacted us identified the town on the opposite side of the water as Newell in Fayette County. Those who navigate the river know the area as the Greenfield Bend.
Those who travel Route 88 are accustomed to this view that's just up the hill from Coal Center. It can be enjoyed today from the parking lot, deck or bar at the High Point restaurant and lounge. "It started out as a roadhouse in the early 1930s," said owner Bob Sepesy, who runs the place with his wife, Loretta. "We're the third owners and have had it since 1986." He said they've done extensive renovations to the restaurant, which is open every day but Sunday.
From the bar and lunch counter, the vista resembles a miniature train village with every aspect of modern life exhibited: trains on both sides of the river, houses, churches, factories, farmland and, of course, California University of Pennsylvania, just out of view to the right in the contemporary photograph.
A few people guessed that this view was of Brady's Bend on the Allegheny River, but that's not so. A few of the houses in Newell seem to be unchanged since the photo was taken, which we are quite certain was before 1903. We know that because that's when the rail line through Newell opened, and there are no tracks visible in the old photo.
Fred Pozzuto of South Strabane Township wrote: "For many years I was an engineer responsible for issuing many of the river permits for the U.S. Army Corps of Engineers, Pittsburgh District. This particular bend in the river is well known to local tow boat pilots and was notorious to navigate by barges, especially empty barges on windy days. The Corps would not issue permits for marinas or docks on this certain stretch of the river because they would be a navigational hazard to barge traffic. Large tows need the full width of the river to navigate this bend and occasionally would run ashore if an inexperienced pilot would miscalculate his position in the navigation channel."
Buzz Garnic runs a boxing gym in nearby Granville, where International Boxing Federation lightweight champ Paul Spadafora trained.
"I lived down there on the river 76 years," Garnic said. "I remember boys – older boys, not me – used to jump off that pier there into the river to impress the girls." The "pier" is actually a piling for a bridge to Newell that was never finished. "My mother used to work up at High Point for $3 a day."
We apologize for not returning all the calls we received about this picture, and thank all who helped us identify it. Look for another Mystery Photo in next Monday's Observer-Reporter.
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Click here to print the obituary below
William S. Green
WEST TOPSHAM - William Stuart Green, 88, died Saturday, Dec. 1, 2012, at his home.
He was born June 23, 1924, in Revere, Mass., the son of Russell and Imogene (Graham) Green.
He graduated from Malden (Mass.) High School.
In 1943 he enlisted in the U.S.
and served as a forward observer for a field artillery unit stationed in France. He was discharged in 1945 and had been awarded two
Bronze Stars
, among other decorations.
In 1952 he joined the Malden (Mass.) Fire Department, where he served until his retirement in 1984.
On Jan. 17, 1976, he married Kathleen MacCuish in Malden. After his retirement, they moved to Topsham, and he worked several years at Howard Grocery Store.
He enjoyed hunting and sitting by campfires.
Survivors include his wife; three sons, William R. Green, of Townsend, Mass., Robert J. Green, of Derry, N.H., and Richard Green, of West Topsham; a stepson, Thomas Cummisky, and two stepdaughters, Patricia Cummisky Thurlow and Lois Cummisky, all of Marlboro, Mass.; two sisters, Phyllis Crozier, of Wakefield, Mass., and Virginia Green Lord, of Springvale, Maine; seven grandchildren; eight stepgrandchildren; two great-grandchildren; and four step-great-grandchildren.
He was predeceased by a brother, Robert Green.
A memorial service will be held at the East Orange Church in East Orange at noon Saturday, Dec. 15, 2012, followed by a reception in the church hall. A second memorial service will be held at the Weir-MacCuish Funeral Home, 144 Salem St. in Malden, Mass., at noon Saturday, Jan. 5, 2013.
Inurnment will take place at a later date at the East Orange Cemetery.
Memorial contributions may be made to the Wounded Warrior Project, P.O. Box 758517, Topeka, KS 66675, or The
The Hooker and Whitcomb Funeral Home, 7 Academy St. in Barre, is in charge of arrangements.
Published in Times Argus on Dec. 5, 2012


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Copyright © 2016. All Rights Reserved. Oregon Department of Transportation.
TripCheck now features traffic and road conditions information reported by users of the Waze app. Zoom in to level 6 or greater to see the data. Visit our FAQ page for more information on the partnership between ODOT and Waze.


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Guess right with men's college basketball champ Duke Blue Devils? Think the Golden State Warriors will take it all this June in professional hoops? If you're among the millions of fans who systematically try to pinpoint winners before the big games, consider that similar strategies can also apply to your stock picks.
Consider how you make your sports selections. Is it by your intuition or a team's cute mascot? Or by researching previous match-ups and outcomes?
Perhaps the best investment strategy I ever heard of that didn't work in the long run was that of the Beardstown Ladies. Similar to those who pick teams with cool logos, the Beardstown Ladies of the mid-1990s bought stock in companies that made products the women used in their homes. If the ladies liked a household cleaner, for instance, they pooled funds and bought stock in the manufacturer.
This group of small-town Ohio ladies, once told to leave investing to their men, claimed initial returns exceeding 23%. So does this approached rooted in inconceivable common-sense (to quote the title of their investing book) actually work?
What do you think? The Ladies' audited results resembled those of my friends who pick sports teams based on uniform colors and mascots: sometimes lucky and other times wretched.
Maybe you devote a great deal of time and money to your picks both on the field and in the market. You're not alone. Again to cite sports, in 2000 the National Football League's Washington Redskins decided to field the best players available, at an amazing price tag.
The team boasted the (supposedly) top players in every critical position and entered the season with its toughest decision being where to place the Lombardi Trophy after winning the Super Bowl. That season, these great individual players finished last as a team.
When individual players dominate, teams often fail. When you play the market based solely on what cleans your counters best, your real returns might in fact lag market indexes such as the Standard & Poor's 500. That was sure true of the Beardstown Ladies' performance when auditors picked apart the group's ballyhooed claims.
Your portfolio and retirement savings must respect the value of teamwork and research. Sure, we all try to buy into strong companies that enjoy good prospects for success. Just as your basketball team can't consist of players of only position – no matter how good each player is individually – you should invest in more than one market sector.
The S&P index comprises nine sectors of stocks: technology, financials, health care, consumer discretionary (such as entertainment and restaurant companies), industrials, consumer staples, energy, utilities and materials. How are sectors doing, based on mutual funds that track them? Who's going for the championship?
The year-to-date return on the Select Sector SPDR exchange-traded fund (XLY), the ETF representing consumer discretionary stocks in the S&P 500, is up 6.9%. The energy sector ETF (XLE) is up 2.7%, the financials ETF (XLF) is up 0.8% and so on.
On some days, one sector (think health care, as of late) takes off; on other days, the same sector tanks. As most are up right now compared with 2014, who wins?
You, if you diversify your holdings. You can't predict with certainty the market's ups and downs any more than you can, without a miss, always guess which way a ball will bounce.
Follow AdviceIQ on Twitter at @adviceiq.
Joseph "Big Joe" Clark, CFP, is the managing partner of the Financial Enhancement Group LLC, an SEC Registered Investment Advisory firm in Indiana. He teaches financial planning at Purdue University and is the host of Consider This with Big Joe Clark, found on WQME and iTunes. He is a Registered Principal offering Securities and Registered Investment Advisory Services through World Equity Group, Inc, member FINRA/SIPC. Big Joe can be reached at [email protected], or (765) 640-1524. Follow him on Twitter at @Big Joe Clark and on Facebook at http://www.facebook.com/FinancialEnhancementGroup.
Securities offered through and by World Equity Group Inc. Member FINRA/SIPC. Advisory services can be offered by the Financial Enhancement Group (FEG) or World Equity Group. FEG and World Equity Group are separately owned and operated.
AdviceIQ delivers quality personal finance articles by both financial advisors and AdviceIQ editors. It ranks advisors in your area by specialty, including small businesses, doctors and clients of modest means, for example. Those with the biggest number of clients in a given specialty rank the highest. AdviceIQ also vets ranked advisors so only those with pristine regulatory histories can participate. AdviceIQ was launched Jan. 9, 2012, by veteran Wall Street executives, editors and technologists. Right now, investors may see many advisor rankings, although in some areas only a few are ranked. Check back often as thousands of advisors are undergoing AdviceIQ screening. New advisors appear in rankings daily.


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State Rep. Jesse White has joined 43 other House Democrats in filing a legal brief before the state Supreme Court supporting those who believe state Act 13 is unconstitutional by eliminating local zoning ordinances regulating the booming Marcellus Shale natural gas industry.
The brief known as an amicus curiae supports a Commonwealth Court ruling that sided in favor of seven municipalities, including four in Washington County, that sued to overturn the law�s exclusion of local ordinances setting conditions on the industry and is on appeal to the higher court, White announced today.
The townships of Cecil, Mt. Pleasant, Peters and Robinson in Washington County and South Fayette in Allegheny County contend Act 13�s blanket zoning provisions have unfairly stripped their power to set such conditions as requiring the industry to erect certain-sized fences around their plants, create buffer zones, repair roads damaged by drilling rigs and determine the locations of outdoor lights.
�It�s important to remember that none of these municipalities in this case has ever sought to ban drilling, so these false claims about endangering jobs and jeopardizing energy independence are just lies,� stated White, a Cecil attorney who helped to draft the court document filed late Tuesday.
The municipalities filed the initial lawsuit in April, six days after Gov. Tom Corbett signed Act 13 into law, stripping the municipalities of their land use rights and ordering those with Marcellus ordinances in place to bring them under compliance. The law directed enforcement and regulatory control over the industry to the state Department of Environmental Protection.
The industry argued the different local ordinances lacked uniformity and the problem needed to be resolved in Pennsylvania if the state was going to remain a leader in the natural gas industry.
State Sen. Tim Solobay, D-Canonsburg, at the time said he worried stringent Marcellus regulations would cause some gas companies to do business in other states.
In the majority opinion released July 26, Commonwealth Court Judge Dan Pellegrini said Act 13 violated due process rights because it did not protect the interests of those living near drilling sites. He further stated that, through Act 13, the commonwealth would be improperly exercising its police powers. State agencies appealed that ruling a week later.
White said it�s highly unlikely that natural gas developers would pull out of Pennsylvania if portions of Act 13 were stripped because they have already invested millions of dollars in acquiring mineral rights and building processing stations.
�They are not going to walk away because they have to build a higher fence or install additional lighting,� White said.
He said the House Democrats joined a growing list of groups that have filed similar briefs in the Supreme Court challenge filed by Pennsylvania.
He said Pennsylvania Trout Unlimited has expressed opposition to the law. On Friday, Pittsburgh City Council announced its intensions to file the same type of brief before the higher court, siding with those who feel Act. 13 is unconstitutional.
�There is a broad coalition out there that feels Act 13 is no good,� White said.
He aimed much of his criticism in the case toward Southpointe-based Range Resources, whose spokesman, Matt Pitzarella, could not be reached Wednesday.
State Rep. Brandon Neuman, D-North Strabane, said he did not add his signature to the brief. He said he usually does not sign such documents unless he writes them.
Neuman said he voted against the legislation and did not want to take a position on it while the case is under appeal.
The Supreme Court will hear arguments in the case Oct. 17 in Pittsburgh.
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This was the message Rometty delivered Thursday night in a speech before more than 170 business leaders at the Council on Foreign Relations, a New York-based think tank specializing in U.S. foreign policy and international affairs. The speech, one of Rometty's first major public appearances since becoming IBM's first female CEO 15 months ago, laid out a surprisingly brand- and technology-neutral vision for how organizations should adapt to the emerging big data era.
Cloud, mobile and social may be the buzzwords of the day, but the real impact of these trends, said Rometty, will be in the data that they generate. "Many more decisions in your company or entity will be based on predictive analytics, not gut instincts or experience… because they can be based on all this data," she said.
[ Want more on the cognitive computing era? Read IBM's Watson Could Be Healthcare Game Changer. ]
Rometty cited the example of the Memphis Police, an IBM customer that reduced citywide crime by 31%, in large part through a program called CRUSH (Crime Reduction Utilizing Statistical History). But rather than elaborating on IBM's products, Rometty stressed that the hard part in embracing predictive decisions will be overcoming mindsets and corporate culture. "People will have to unlearn how they make decisions," she said, whether that's within hospitals, schools or companies.
On value creation, Rometty described social networks as "the new production line." Here she cited the example of Mexican cement manufacturer Cemex, which used social networking among far-flung product-development teams to launch a global brand in one-third the time it previously required to launch a local brand.
Now that all employees are essentially accessible at all times, "your value will be not what you know, but what you share," Rometty said.
IBM itself will prove this point in the near future, she said, by having employees rate each other and asking customers to rate employees. "You'll be rated by the information you create, how you share it, its value, and maybe we'll even pay you that way," she said. "Five stars, one compensation level, two stars, no [incentive] compensation."
Value will be delivered to individuals, not segments, in the future, Rometty predicted. So instead of serving 17- to 25-year-old males, people at a certain income level, or groups of people by zip code, businesses will sell to, service and interact with individuals by collecting and relying on the data behind those interactions.
"If you have a call center, it's no longer about a script, it's about a dialogue," she said. "If you're in advertising, it's not about a promotion, it's about a two-way discussion ... and every one of us will expect something in return, whether you're a citizen or an employee or a customer."


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Jason Mraz's 2008 single "I'm Yours" was a multiplatinum global hit. In fact, it set a record by staying on Billboard's Hot 100 chart for 76 weeks — more than any other song in the magazine's 51-year history.
Although Mraz's new record, Love Is a Four Letter Word, was written on the heels of a breakup, the songs are mostly sunny and positive. Mraz says he was more interested in making something relatable than in zeroing in on his own experiences.
"I always write to understand my place in the world," Mraz says. "I can see myself and my life unfold on the page, and I can understand my strengths, my weaknesses — I can see where I need to step up a bit. I can see where I need to forgive myself or forgive others. I definitely wanted to create a big-picture album that all humans could relate to with a universal message of love."
Mraz's sunny disposition doesn't always come naturally. The singer says that, for him, pursuing happiness is an active choice — not a default.
"It's from being melancholy and having my human down experiences that I learn, that I overcome, that I transform — and these realizations I put into song," Mraz says. "That's what I choose to put in my backpack and carry with me around the world."
It's WEEKENDS on ALL THINGS CONSIDERED from NPR News. I'm Guy Raz.
Coming up, Dick Cavett introduced Groucho Marx for his first appearance at Carnegie Hall 40 years ago today. Dick Cavett was there, and soon, he'll be here to tell that story. But first, a few moments with singer-songwriter Jason Mraz.
JASON MRAZ: (Singing) But I won't hesitate no more, no more it cannot wait I'm yours.
RAZ: The song "I'm Yours" was a ubiquitous megahit of Jason Mraz. "I'm Yours" stuck to Billboard's Hot 100 chart for 76 weeks. That's longer than any other song in that chart's history. Jason Mraz's latest album is called "Love is a Four Letter Word." Soon, he'll launch a nationwide tour. Jason Mraz, welcome to the program.
MRAZ: Thank you very much.
RAZ: The first words on this record: I picture something, it's beautiful, it's full of life, and it is all blue.
MRAZ: (Singing) I picture something. It's beautiful, it's full of life, and it is all blue. I see a sunset on the beach. Yeah, it makes me feel calm. When I'm calm I feel good.
UNIDENTIFIED GROUP: (Singing) Good.
MRAZ: (Singing) And when I feel good I sing.
RAZ: It just sets the tone. You know that this is going to be about positive things. And yet, I read this album was written after the end of a breakup.
MRAZ: Yeah, and during. You know, I always write to understand my place in the world. I can see myself, my life, unfold on the page, and I can understand my strengths, my weaknesses. I can see where I need to step up a bit. I can see where I need to forgive myself or forgive others. And yes, I was going through a breakup. I don't feel that necessarily defined this album or exactly who I am, but it certainly broke my heart open and asked me to say, who am I being and what can I offer.
You know, just because you break up with someone, I learned that you don't have to give up on the friendship. You certainly don't have to stop loving them. And I definitely wanted to create a big picture album that all humans could relate to with a universal message of love.
MRAZ: (Singing) And when I feel good I sing. And the joy it brings makes me feel good. Good. And when I feel good I sing. And the joy it brings. I said come on along. I know you really want to feel our song. We've got some life...
RAZ: Your music is generally incredibly upbeat. I mean, you really - it's almost like you wake up in the morning and you're just embracing everything around you. I mean, you do live in California. You're a lucky man. There's a lot to embrace there. But I mean, it's reflected on this record. I mean, you are genuinely happy.
MRAZ: Yeah. I sort of came to that place on my last record, "We Sing, We Dance, We Steal Things," and I wanted to continue that message on this album. And I'll tell you, though, that disposition of being generally happy is a choice. And it's a practice that I've been practicing for quite some time now, because we could either choose to dwell on, say, much of the negative things we might see in the first 10 minutes of the nightly news, or we can choose to be grateful for that which we do have.
I certainly try not to identify so much with the melancholy and try to focus more on the positive. But I will tell you this. It's from being melancholy and having human down experiences that I learn, that I overcome, that I transform, and these realizations, I put into song.
RAZ: There's a song on this new record - it's called "Living in the Moment" - and it's almost an acclimation. I mean, the words on this record could be almost like it's your creed and your motto.
MRAZ: Yeah. Yeah, it very much is.
MRAZ: (Singing) So I just let go of what I know I don't know. And I know I only do this by living in the moment, living my life easy and breezy with peace in my mind, with peace in my heart, peace in my soul. Wherever I'm going I'm already home. I'm living in the moment.
RAZ: I'm speaking with singer-songwriter Jason Mraz. His new album is called "Love is a Four Letter Word." Were those moments of melancholy moments that you experienced after you became famous and - or did those happen earlier?
MRAZ: You know, always. You know, they come and go when I least expect it. And much of it has happened after I became famous, because my life did change a bit, you know? Like, for much of my life, it was - I felt like it was a hustle, it was a dream. I - there was this tension, you know, will I make it? Can I do something in my life?
RAZ: I mean, you were a - you're a kid from a small town, Mechanicsville, Virginia.
MRAZ: Yeah. And in that town, we had great public schools. We had great music teachers, great drama teachers, great communication department, great arts department in general, visual art, photography, and so I felt always supported and nurtured in the arts so that as - by the time I graduated, I knew I could go out into the world and do something in the arts. And, you know, with that was always this yearning.
And then suddenly, it happens, and all your dreams come true, and you have a large audience. And suddenly, you feel like, OK, your audience is listening. And then suddenly, you're making money and you have a house, and you're no longer even in debt. I guess I relate it to what a mother must feel like when she experiences a bit of depression after a child is born. It still comes into my life. You know, this, like, OK, what next?
And I believe everyone has that, no matter what career you're in, whether you're on top of the game or you're still struggling. We can tend to fall back into this is-this-all-there-is kind of attitude. And I think that's just part of being human.
RAZ: Jason Mraz, you sing about your grandfather on the song "Frank D. Fixer." And your grandfather, I read, came to the United States from what is now the Czech Republic when he was a young man.
MRAZ: Right. Mm-hmm.
RAZ: Did you know him well?
MRAZ: I didn't know him very well, because he was a quiet man, and he passed away when I was in the ninth grade. But I spent a lot of time at my grandparents' house growing up, and I knew that he was always working. He would work till late at night. I knew that he had quite a beautiful garden in the backyard that we ate most of the vegetables from at dinner, you know, big heirloom tomatoes and okra, which I wasn't a fan of the okra very much.
And my younger brother actually plowed through the okra once on a go-kart accident, which made me very happy.
MRAZ: But he always had grease on his hands, large hands. You know, he always had holes in his clothes because he was a welder. And he fixed local farm equipment and basically could fix all things. And I always wanted to tribute this man because his name was Frank Mraz, but he had this sign above his shop that said Frank D. Fixer. And it was a landmark in my hometown.
People said: Oh, go two miles past Frank D. Fixer and take a left, or people used it as a, you know, as a landmark in our town.
RAZ: Wow.
MRAZ: And for - to me, that made him quite famous.
MRAZ: (Singing) Well, I wish I was a fixer. I would fix you up inside. I would build you a town if the world fell down. I wish I was that guy.
RAZ: That's singer-songwriter Jason Mraz. His new album is called "Love is a Four Letter Word." You can hear a few tracks from it at our website, nprmusic.org. Jason, thank you so much.
MRAZ: Thank you very much. Transcript provided by NPR, Copyright National Public Radio.


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Regional focuses
Transatlantic relations
Alongside European integration, the transatlantic partnership is the most important pillar of German foreign policy.
The United States is Germany's closest ally outside Europe. The partnership bases on common values and interests. moreTransatlantic relations
The Middle East and Maghreb
Efforts to achieve peace in the Middle East have for decades been a priority of German foreign policy. In addition to the Israeli-Palestinian conflict, there are new challenges such as Iran's nuclear programme and the upheaval in North Africa moreThe Middle East and Maghreb
Afghanistan must not revert to its former role as a refuge for international terrorists. This is why Germany and the international community are helping Afghanistan to become a stable country whose people can live in safety and determine their own future. moreAfghanistan
Africa is on the rise – this is borne out not only by economic data. However, Africa needs international solidarity and partners in order to resolve the continent's conflicts and pressing problems and to tackle the global issues which affect us all.
Latin America
The German Government's new Strategy on Latin America highlights the stronger focus in Germany's foreign policy on the sub-continent. The Latin American states are key partners on the road towards a global domestic policy.
moreLatin America


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Beer and pizza. For college kids, they're two of the five food groups, besides Pop Tarts, Trix and ChefBoyardee.
Not for my son, Eric – in the traditional sense.
Eric is a senior at a private university in Ohio, in a Norman Rockwell town where pizza and/or beer is available, though not commonplace. Until a year and a half ago, he loved pizza and much spicier food – and gobs of it. And being an undergrad, he had developed an appreciation for suds, as his dad had decades before.
But during summer 2011, he started feeling rotten on nearly a daily basis, with headaches and severe stomach distress. A varsity runner throughout high school, he had gone from a kid with boundless energy and no health issues to a young adult paralyzed by pain and fear. The robust body that had served him so well suddenly, inexplicably, was betraying him.
Eric saw three doctors, had three exams and endured six weeks of excruciating anxiety before a specialist diagnosed the problem.
Celiac disease.
Wikipedia describes celiac as "an autoimmune disorder of the small intestine that occurs in genetically predisposed people of all ages from middle infancy onward." Fatigue and gastrointestinal issues are common symptoms. The cause is a reaction to gliadin, a gluten protein found in wheat, and to similar proteins including barley and rye.
It's permanent, too.
This was a beacon of hope, though. My son finally knew what he was dealing with, and after consulting with the specialist and with Google, began formulating a dietary response that would restore his health and vigor.
But the light of that beacon was harsh, rife with profound sacrifices. Eric, once carefree, could no longer consume conventional bread, conventional pancakes, conventional pasta, conventional cakes … or conventional pizza and beer.
He has to eat gluten-free, which means avoiding certain foods at all times, checking ingredients on grocery products, researching restaurants and their menu options, questioning wait staff, and frequenting the few stores that have a respectable array of gluten-free items.
It's a hassle, it's time-consuming, it's frustrating – and it can be really expensive. Gluten-free products generally cost more than comparable items with gluten. Prices have declined, but not to the cost-effective level. As if college students aren't stressed enough about their financial present and future … those with celiac get less from their grocery budget than those without the disease.
Eric occasionally asks for money, as college students have done for a century-plus, and my wife and I are willing to supplement his checking account. You do what you can for your children, especially if they are dealing with a food-related illness. Still, gluten-free prices are hard to swallow.
So is some of that food. I've tried gluten-free bread and desserts, and generally don't like them. Yucko-ptooee.
Eric never complains, although I'm sure desires a big sloppy pizza.
He is doing well, physically and with his diet. A dozen years after we stopped fruitlessly pushing fruits and vegetables, he is eating plenty of them. And he prefers organic.
Part of that is adhering to his dining restrictions, and part to his education – on and off campus. Eric is an environmental studies major with good grades who likely learned more during his internship last summer at the Rodale Institute farm in Kutztown, in Eastern Pennsylvania.
Stepped in a cow patty for the first time on his first day.
My son does have occasional gluten episodes – he may slip up, or it may be the restaurant cook. But he generally feels great, especially now that the Penguins are back.
The college staples? There are a few beers he can drink and he prepares his own gluten-free pizza.
Neither is yucko-ptooee.
Rick Shrum is a business writer for the Observer-Reporter. He can be reached at email@example.com.
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