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Artist description:
I think this was my sixth draw...always wanted to redo it. thanks for the incentive!!
Java Draw Created Mar 28, 2012 1024 x 736px Unless noted Copyright 2012 drobert486.
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this is a really great job !!!!!!!!!!!!
Great looking draw!!
Omg!! Awesome!! :D
Wow! I still don't want it for my pet though! ;-D 5/5!
Just looked at Winged destruction. You have definately improved!


text: American College of Education Announces Conference and Graduate Course for Indiana Reading Teachers Oct 13 2011 Collaboration with Indiana Department of Education and Wilson Education Center Features Literacy Expert Louisa Moats, Ed.D. Indianapolis (Oct. 12, 2011) – American College of Education announces its collaboration with the Indiana Department of Education (IDOE) and Wilson Education Center to present a professional development conference and graduate-level online course for K-6 reading teachers in Indiana featuring literacy expert Louisa Moats, Ed.D. The one-day conference, "Teaching Reading is Rocket Science," takes place on Monday, Oct. 24 from 9:00 a.m. to 3:30 p.m. at the Indianapolis Convention Center. The program provides educators with a deep foundational knowledge based in real-world experience and Scientifically Based Reading Research (SBRR). "We are proud to be working with the American College for Education and the Wilson Education Center to give Indiana educators this tremendous professional development opportunity," said Dr. Tony Bennett, Superintendent of Public Instruction, Indiana Department of Education. "I encourage educators from across the state to take part in both the one-day conference and the online course." Dr. Moats, founder of the LETRS® (Language Essentials for Teachers of Reading and Spelling) Louisa Moats Literacy Academy, will present three sessions: Why Teaching Reading is Rocket Science Code-based Instruction and Spelling Phonology Teaching Vocabulary Educators may register for the complimentary event at http://wesc.k12.in.us/rconf.htm. Seating is limited. The five-week online course, "The Foundations of Reading Instruction," begins on Nov. 28. Designed for K-6 reading teachers, the coursework also provides resources for middle and high school special education teachers. Tuition is $580, but complimentary for the first 150 teachers to enroll. Educators may register for the course at http://wesc.k12.in.us/fotr.htm by Nov. 21. Course participants receive support from an online LETRS trainer and American College of Education professor. Upon successful completion, educators receive four quarter-hour graduate credits from American College of Education and 45 professional growth points from IDOE. "We are thrilled to partner with the Indiana Department of Education and Wilson Education Center to offer this conference and online course to Indiana reading teachers," said Sandra J. Doran, J.D., president of American College of Education. "Our flexible, affordable programs give educators an unprecedented opportunity to benefit from the research-based, real-life experience of Dr. Louisa Moats and her LETRS Academy." About American College of Education American College of Education is solely dedicated to providing educators the most affordable, high-quality online master's degree programs in education. The College's vision is to dramatically improve student performance by enhancing the instructional effectiveness of teachers through transformative technology and innovative online learning. American College of Education is based in Chicago, Illinois. It currently serves online students nationally and internationally. American College of Education is accredited by the Higher Learning Commission and is a member of the North Central Association (NCA). For more information about American College of Education, visit www.ace.edu.

subset: commoncrawl


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AVB: 'Unfair' to reward Chelsea for failing
Tottenham Hotspur manager Andre Villas-Boas said Thursday that Chelsea does not deserve to be in the Europa League.
Chelsea backed into the secondary European competition by failing to qualify in the Champions League and finishing third in its group. Villas-Boas thinks it is unfair that the Blues, and the rest of the Champions League dropouts, are allowed into the tournament.
"I think it's extremely unfair," the Tottenham boss said. "It would be much fairer if the clubs came into the Europa League when they are knocked out of the last 16 of the Champions League. You can't give a bonus to teams who have failed, and in the situation as it stands, teams fail in the Champions League and are promoted to the Europa League, which, in my opinion, is a massive bonus.
"I've not made this up today. I have said this in UEFA meetings before. It's up to them to decide but I think it's not fair."
Tottenham booked its place in the last 32 of the Europa League with a nervy 3-1 win over Panathinaikos at White Hart Lane on Thursday.
Having finished second in Group J, Tottenham will not be seeded in the second round of the competition, meaning it could face Benfica, Olympiacos or CFR Cluj, which also drop in to the draw after being eliminated from the Champions League.
Villas-Boas, who managed Chelsea last season, will not be able to take on his former club until the next Europa League round as teams from the same country cannot face each other until the last 16.
Villas-Boas took Chelsea through to the second round of the Champions League before he was sacked following the club's first leg defeat to Napoli. He lasted just over eight months in the job.
The west London club then went on to win the tie before lifting the Champions League trophy for the first time in its history under Roberto Di Matteo, who has also since been sacked.
Villas-Boas, who won the Europa League with Porto in 2010, admitted he felt let down by the club's owner Roman Abramovich after his sacking and he thinks destiny could pit the two London clubs against each other in the last 16 of the competition should Spurs win beat their next opponents.
"Sometimes it's destiny. Hopefully if we go through we can meet each other," said Villas-Boas, who will learn who his team plays next on Dec. 20. They have a team that can win the trophy, so they will be up to the late stages of the competition. We hope to do so. If we cross it is going to be two magnificent games for sure."
Chelsea defender David Luiz said the Europa League could allow Chelsea to restore its European reputation following the "embarrassment" of becoming the first Champions League holders to crash out of the competition before Christmas.
"The Europa League is glamorous for me. I don't have this title so I want to win it," Luiz said. "I look to the Europa League like I did the Champions League because I don't have this medal. We can do great things in this competition.
"You have great games in the Europa League. There are great teams in this competition. Chelsea don't have this competition so they need to win this title."
That is exactly what Chelsea did in the Champions League last season in ending its agonizing wait to be crowned kings of Europe. Their reign will technically continue until May, but that was scant consolation to the club's red-faced players Wednesday.
"There was embarrassment in the dressing room and also sadness," Luiz said. "We won the Champions League last season and to get knocked out after the group stage is a great disappointment. This is a big club and big clubs deserve to play in big games. The best games in the world are in the Champions League."
Information from Press Association was used in this report.
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The last time the market rallied into an Election Day ended in tears. Remember November 4, 2008? In the week before the election, the SPX rallied 150 points. It topped out on the 4th, rolled over, and made new lows:
Of course, there is a big difference this time: the economy is expanding while it was contracting sharply two years ago.
After an extensive campaign of browbeating that I began back in January, I was eventually able to shut down the "Mutual Fund Monday" propaganda on CNBC's "Fast Money" show. However, while the mutual-fund industry is not reporting "new money in" yet, the respectable jump in the futures Sunday night could be a sign that retail investors are finally coming back into stocks. (Some research firms have already reported inflows, but I doubt that they have better data than the ICI which is only reporting a large reduction in outflows so far.) Nevertheless, I wouldn't be surprised to see the ICI data turn positive soon, and can't really continue to keep my boot on CNBC's neck.
So, if the masses are coming in, are they being sucked in by the Tea Party "Miracle" just like they were by "The Messiah" back in 2008? Or is the market just continuing to advance along with earnings and the economy? After all, even a feeble expansion can produce fat profits given our "modern" sweatshop production system. Speaking of which…
In this superb Australian video, you can see the Chinese workers (mostly women) who are sacrificing their health handling the toxic chemicals that shave a few cents off of the price of your iPad. And you can also see the dictatorial face of the Chinese communist regime. Whether or not the villagers in the video have a legitimate case, those officials were trying to discover who they should persecute when they asked the journalist who told him about the village. Can you imagine the officials in your town doing that? Not if you live in a civilized nation. The arms embargo that the European Union slapped on China after Tienanmen Square still strikes me as a good idea. There ain't nothin' warm and fuzzy about the regime in Beijing.
In his "Stop Trading" segment on CNBC Friday afternoon, Jim Cramer raved like a lunatic about the "genius" of Corporate America and all the fantastic profits it is producing. But really, now smart do you have to be to pack up a factory, load it onto a Kansas City Southern train, ship it down to Mexico, re-assemble it, and then staff it with workers making a tenth, or less, than your previous employees? Genius schmenius.


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Featured Video
Omar, Hamish Stuart & Others for Lagos Jazz Series 2016
British Soul legend, Omar, often cited as the godfather of British neo-soul will be gracing the stage at the 2016 edition of the Lagos Jazz Series, the 7th in the series.
Omar, full name Omar Christopher Lye-Fook was born on October 14, 1968 and received an MBE in 2013 from Prince Charles for services to music. His 1990 hit, There's Nothing Like This from the album of the same title is considered a classic of the genre.
Announcing the line-up, Oti Bazunu, convener of the Lagos Jazz Series said "this year's edition will be very exciting. We have an eclectic mix of very interesting artistes. We have two amazing and refreshing bands from Cape Verde headed by Lito Coolio and Lizenda Da Cruz. Their blend of Morna music infused with reggae is fresh and amazingly different.
Then there is Omar, the British neo soul legend who will bring his unique blend of soul music to Lagos. Maka is a Naija home-grown artist with a fresh approach and flavour. Other acts on the line-up include guitarist, Hamish Stuart from The Average White Band as well as the Lagos Jazz Series Quintet and a host of others."


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Niagara women roll to first MAAC win
The Niagara women's basketball team played its first game of the new year and rang it in with its first Metro Atlantic Athletic Conference victory of the season Friday afternoon.
The Purple Eagles opened the game on a 9-0 run and cruised to a 78-46 rout of Saint Peter's before 150 at the Gallagher Center. This was NU's first win by at least 30 points since it drubbed Colgate, 78-39, in Kendra Faustin's first game as coach Nov. 10, 2007.
"Top to bottom I thought we kept our intensity the whole game," Faustin said. "We don't care what the score is, we're going to do what we do and I thought we really did that."
Ten different players scored for Niagara in this one, but senior Chanel Johnson put on a shooting clinic during the first half, canning all six of her shots from the floor and also grabbing a team-high four rebounds in the opening 20 minutes. Johnson missed her only shot attempt of the second half and finished with 12 points and five rebounds.
"She's really comfortable with her role and she's certainly capable," Faustin said of Johnson. "I'm just really proud of her leadership. She's the one who when things aren't going right or our team needs something that I can't say, she says it and she does the right things."
Johnson had six of the nine points during Niagara' opening blitz. Meghan McGuinness (11 points) started it off with a three-pointer.
The Purple Eagles shot 54.5 percent from the floor and went 4 for 9 from beyond the arc during their 42-point first half. NU led by 12 at the break.
Victoria Rampado provided the spark during a 10-0 run to open the second half that enabled Niagara to squash any Peahens (2-10, 1-2) comeback hopes. The freshman had five of the points, including a traditional three-point play 1:20 into the half, made a steal that set up Tiffany Corselli's three-pointer and also grabbed a defensive rebound that led to her capping the run with a layup. She finished with nine points and eight rebounds.
Niagara (3-9, 1-2) led by 35 points with 3:41 left. Sylvia Maxwell also had 11 points for the winners, sinking 5 of 6 shots.
The Purple Eagles host Iona at 2 p.m. Sunday.
Griffs fail to slow Gaels
Canisius bolted to early leads of 16-6 and 21-9 against Iona, but the visiting Gaels rallied to earn a 69-57 win at the Koessler Athletic Center.
Tihanna Mills' third trey of the first half gave the Golden Griffins a 21-9 edge with 13:42 left. Iona regained its bearings, however, thanks to Damika Martinez (27 points) and Aleesha Powell. They proved to be too much for Canisius, combining for 46 points on 17-of-29 shooting, with Powell sinking 8 of 10 from the floor en route to her 19 points.
The duo scored 12 of the Gaels' 17 points to close the first half, which trimmed a 27-14 deficit to 33-31 at the intermission.
Powell's layup tied it early during a second half that featured six lead changes until the Gaels took the advantage for good on Powell's trey with 13:56 left, which made it 43-42.
Powell followed with another layup as part of an 12-2 Iona run with 9:42 left to give the Gaels (10-2, 3-0) a 52-44 lead.
Mills and Crystal Porter each had 14 points to lead the Griffs (4-9, 0-4), who have lost five in a row and host Saint Peter's at 2 p.m. Sunday.
UB opens MAC play
Last year, the University at Buffalo surprised some by going 8-8 in Mid-American Conference play after a 2-10 non-conference slate.
This year, the Bulls (7-4) not only enter MAC play with a winning record but they head into the Stroh Center, when they face perennial contender Bowling Green (10-2), coming off a 93-58 rout of Division II Roberts Wesleyan on Wednesday.
Mackenzie Loesing leads UB with 17.6 points per game. The Bulls, picked to finish third in the MAC East, average 71.5 points per game, which ranks fifth in the conference. Bowling Green, picked to finish second in MAC East, is right behind UB, scoring at a clip of 69.9 per game.


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UX designer @ Sketchin design studio,
maker of uxers.in.
Throughout a solid technical and theoretical background, I tackle complex tasks and transform them into useful, intuitive, great-looking digital products, based on people behaviours and needs.
I've experience in working alone as well as with other team members and I'm able to manage all the steps of a ux project:
- User Research
- Service Design
- Interaction Design
- Front-End Development
If you are interested in my work you can take a look at my professional profile or just drop me a line.
About me
Day dreamer, night overthinker, globetrotter wannabe.
Born and raised in the lovely Monte Sant'Angelo, after 11 years in the vibrating Milan, the Italian design capital, currently I live in the beautiful Como and I work in Switzerland, aka "Chocoland".
I've a deep passion for music and I love black coffee, red wines and IPA beers.


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DIY website building platform Moonfruit took customer websites offline on Monday to make infrastructure changes, four days after the company had been hit by a DDoS attack.
UK-based Moonfruit told customers that their websites would be offline for up to 12 hours on Monday, starting at 10:00 GMT. According to the latest update by the company on its support page, its operations team continues to work on resolving the issues on Tuesday.
"Our operations team is making steady progress and has overcome a number of issues, but there are still a few more to be dealt with. We know how difficult this is for you and we're doing everything we can to help get you back where you need to be," Moonfruit said. "The service is currently intermittent, with sites loading in most cases, but it is still not possible to log in to your account" or make changes to sites.
According to an email sent to customers by Moonfruit Director Matt Casey on Thursday, the group responsible for the attack is called Armada Collective. The DDoS attack lasted 45 minutes and the group contacted Moonfruit to demand a ransom. The group then threatened that should they not receive payment, the attacks would continue on Monday.
In an effort to mitigate these threatened attacks, Moonfruit asked customers to configure a CDN service that the company had planned to implement in the New Year. The company provided step-by-step instructions for customers to configure their domains.
Last month, an encrypted email provider ProtonMail paid a ransom equivalent to $6000 US to hackers that targeted the provider with a sustained DDoS attack.
Moonfruit offers customers a free website builder, with the option to upgrade to premium packages. However, some note that when it comes to your online presence, you get what you pay for, and at this time of year when many websites are busy with holiday traffic, 12 hours of downtime is significant.
The news about @moonfruit downtime is a useful reminder that you get what you pay for. You don't get 100% uptime for £4 a month #moonfruit
— James Coltham (@prettysimple) December 14, 2015


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UPDATE: Office Depot Posts In-Line Q2 Loss, Shares Gain
Office Depot (NYSE: ODP) reported in-line loss for the second quarter and lifted its outlook.
The Boca Raton, Florida-based company posted a quarterly loss of $190 million, or $0.36 per share, versus a year-ago loss of $64 million, or $0.23 per share. Excluding certain items, it posted a loss of $0.02 per share, versus a year-ago loss of $0.03 per share. However, analysts were expecting a loss of $0.02 per share.
Its sales rose 59% to $3.84 billion, versus analysts' estimates of $3.81 billion. However, sales declined 2% on a pro forma basis in the quarter.
Office Depot's selling, general and administrative expenses increased 54% to $863 million. Its merger, restructuring and other operating expenses jumped to $103 million in the period.
Office Depot's sales in North American retail division rose 55% to $1.5 billion, while sales fell 5% on a pro forma basis. The division's same-store sales fell 3%.
The company's sales in the business solutions unit jumped 91% to $1.49 billion, while sales fell 1% on a pro forma basis. International division sales rose to $0.8 billion from $0.7 billion, while sales fell 5% on a pro forma basis.
"During the second quarter, our team executed exceptionally well, which enabled us to deliver merger synergies more quickly than anticipated," said Roland Smith, chairman and chief executive officer of Office Depot.
Office Depot projects 2014 adjusted operating income of not less than $200 million, versus its earlier forecast of not less than $160 million."
Office Depot shares gained 3.72% to $5.30 in pre-market trading.
Posted-In: lossEarnings News Guidance
© 2017 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.


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wrestling / News
Update on TNA Lockdown Ticket Prices
– Tickets for TNA's Lockdown 2013 PPV on Sunday, March 10 at the Alamodome in San Antonio, TX go on sale today. The announced price range is $15-150 per seat.
– TNA is also making travel packages available for the event, which includes access to the Lockdown Fan InterAction event at the Crowne Plaza San Antonio Riverwalk, start at $1,009. The following events are included:
* Guaranteed floor seat for the Lockdown PPV
* Three-night hotel stay
* Friday night check-in with TNA stars
* VIP Weekend with admission to Fan Interaction
* Bonus Fan Interaction session with Hulk Hogan
* Sunday morning breakfast with TNA stars
* VIP Welcome Gift Bag
Credit: pwtorch.com
More must-read wrestling news:
* Stacy Keibler gets dirty in her bikini in the Dead Sea
* How is the Royal Rumble doing in sales?
* Updated on The Undertaker's WrestleMania 29 status
* When will CM Punk be back in the ring?
* 411's Impact Wrestling report
* The Top 10 Heels of the Week


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The gang buster
David Kennedy's unusual methods for tackling gang violence are having startling results in American cities. Now, he is bringing them to Britain
Small talk with Professor David Kennedy can have a bit of an edge.
"Did you know," he says, as we sit down for lunch a few blocks from Lake Michigan, where he is on a book tour, "that Glasgow is the world centre of facial reconstruction surgery?"
He explains that this rare medical specialism – for a city – is a direct result of the way its teenagers go at each other's heads and throats with knives, and have done for decades. Until recently it was one of the most violent places in Europe; it had to learn how to patch up its own.
Kennedy is more of an expert on gun violence than knife violence, but he is very confident that the two have…


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|Michael Burry, Real-Life Market Genius From The Big Short, Thinks Another Financial Crisis Is Looming
Jessica Pressler writes in New York Magazine December 28, 2015:
If The Big Short, Adam McKay's adaptation of Michael Lewis's book about the 2008 financial crisis and the subject of last month's Vulture cover story, got you all worked up over the holidays, you're probably wondering what Michael Burry, the economic soothsayer portrayed by Christian Bale who's always just a few steps ahead of everyone else, is up to these days. In an email, which readers of the book will recognize as his preferred method of communication, the real-life head of Scion Asset Management answered some of our panicked questions about the state of the financial system, his ominous-sounding water trade, and what, if anything, we can feel hopeful about.
The movie portrays all of you as kind of swashbuckling heroes in some ways, but McKay suggested to me that you were very troubled by what happened. Is that the case?
I felt I was watching a plane crash. I actually had that dream again and again. I knew what was happening, but there was nothing I, or anyone else, could do to stop it. The last day of 2007, I couldn't come home. I was in the office till late at night, I couldn't calm down. I wrote my wife an email and just said, "I can't come home; it's just too upsetting what's happening, and I didn't want to come home to my kids like this." As for punishment of those responsible, borrowers were punished for their overindulgences — they lost homes and lives. Let's not forget that. But the executives at the lenders simply got rich.
Were you surprised no one went to jail?
I am shocked that executives at some of the worst lenders were not punished for what they did. But this is the nature of these things. The ones running the machine did not get punished after the dot-com bubble either — all those VCs and dot-com executives still live in their mansions lining the 280 corridor on the San Francisco peninsula. The little guy will pay for it — the small investor, the borrower. Which is why the little guy needs to be warned to be more diligent and to be more suspicious of society's sanctioned suits offering free money. It will always be seductive, but that's the devil that wants your soul.
Read more here.
Visit Companion Blog:
Mind Over Market
Latest News
- Countrywide Mortgage Devastation Lingers as Ex-Chief Moves On
- Economics Has Failed America
- For Bill Gross, Besting Pimco Is the Best Revenge
- SocGen claims China is only months away from burning through its currency reserves
- George Soros says the EU is 'on the verge of collapse'
- Cooperman: Why this is no bear market yet
- Michael Burry, Real-Life Market Genius From The Big Short, Thinks Another Financial Crisis Is Looming
- Chinese Legislature Approves Two-Child Policy
- Bill Gross' Math on Junk Bonds Is Right
- PAUL SINGER: Developed countries are hopelessly and utterly insolvent
- U.S. household incomes slip, poverty rate holds in 2014
- St Louis Fed official: No evidence QE boosted economy
- For 90% Of Americans: There Has Been No Recovery
- The dollar's 70-year dominance is coming to an end
- Why Piketty's Wealth Data Are Worthless
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Well I'm sitting here at the second meeting of the Sydney Biztalk User Group at Dimension Data and all is going well. Mark Burch has taken over the reigns of the meeting tonight due to Mick Badran being ill and is doing a stellar job.
If you haven't got along to the website and found out about this group then check out the link above.
This is one of our newest user groups in Sydney and is going very well so far!
Good onya boys!


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Innovation: how does your CIO measure up?
For chief information officers (CIOs), we believe there is now a golden opportunity. No other senior executive is closer to the information being gathered by the business, or able to deploy rapidly improving tools to find valuable new uses for the surging volumes of data being collected. But findings from a major new study we've conducted, The DNA of the CIO, show that a worrying number of CIOs are failing to step up to the innovation challenge.* Click here for further information about the survey on which this article is based.
This is not only harming the competitiveness of these businesses, but also the career prospects of CIOs themselves.
About 6 in 10 CIOs felt they strongly added value to the company by enabling fact-based decision-making, while just over one in three of their C-suite peers agreed.
Thanks to the ongoing consumerization of IT, led by the growing pervasiveness of smart mobile devices, users' expectations of technology and the CIO are rapidly increasing. This is a challenge for IT leaders.
It is also clear that the perception of the CIO by the rest of the business still has much scope for improvement. A checkered history of high-profile, IT-led cost overruns and failures has left poor perceptions that still linger at the boardroom table.
Even in those relationships where the CIO does have a stronger connection, such as with the CEO, our experience has shown that innovation all too often fails to feature as a key focus of the discussion. This, in turn, is a contributing factor to why relatively few CIOs actually have a seat at the top management table today.
A broader consideration relates to the CIO's ability to match their knowledge of what technology can do with an intimate knowledge of the inner workings of the rest of the business. The challenge we see in many of the businesses with which we're involved is that the IT function works in isolation from other operating units and departments. This disconnect makes it difficult to be at the forefront of driving innovation when there's a lack of deeper insight into what makes the rest of the company tick.
For many CIOs, this is a major challenge to overcome, especially for those who've never spent time outside of the IT function, as is often the case. In response to this, many of the leading CIOs we talked to recommend establishing an innovation management process. By doing so, IT can proactively invite the rest of the business to submit ideas of any kind. These are then filtered down to the most viable concepts, before becoming live projects.
All this has helped ensure that the CIO remains front and center of the innovation process, rather than merely a backroom technician and help desk. Embedding such processes is not necessarily easy, but for CIOs needing to shift their perception within the business, such a change will be crucial. Getting this right is not just important for the improved performance of the business; we believe it is also key for any CIO seeking a chair at the top executive team table.
* The DNA of the CIO, Ernst & Young, October 2012. The report is based on a survey of 301 CIOs. It also draws on in-depth interviews with a further 25 CIOs and 40 respondents from across the rest of the C-suite.
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University of Texas Arlington
School of Nursing receives four awards for video productions
Thursday, March 27, 2008
Media Contacts:
Susan Slupecki
Susan March
ARLINGTON - The Learning Resource Center (LRC) in The University of Texas at Arlington School of Nursing is the recipient of four 2008 Telly Awards; three for an in-house video called "The Smart Hospital Orientation" and one for a student video project called "The Bedside to Nationwide," which expresses the need to do something about the national nursing shortage.
"The Smart Hospital Orientation" received a Silver Telly Award (the highest award possible) for editing, a Bronze Telly Award for multimedia, and a Bronze Telly Award for videography/cinematography."The Bedside to Nationwide" received a Bronze Telly Award in the Social Issues Category.
Contributors include Dr. Tiffany Holmes, creator and narrator of "The Smart Hospital Orientation," as well as videographer Dominique Anderson, Chris Simpson, and the creative collaboration of the School of Nursing students, faculty and staff.
Founded in 1978, the Telly Awards are the premier award honoring outstanding local, regional, and cable TV commercials and programs, as well as the finest video and film productions. The Telly Awards annually showcase the best work of the most respected advertising agencies, production companies, television stations, cable operators, and corporate video departments in the world. The Telly Awards are a widely known and highly respected national and international competition and receives over 14,000 entries annually from all 50 states and many foreign countries.
The LRC provides undergraduate nursing students a supportive learning environment to develop and refine their clinical practice skills; graduate students resources to gain and apply in-depth knowledge and advanced skills to develop expertise in working with specific patient groups in a variety of advanced practice roles; and faculty are provided resources to support classroom teaching, clinical learning activities, and scholarly endeavors utilizing state-of-the-science technology.
Visit the School of Nursing Web site at www.uta.edu/nursing for more information.
The University of Texas at Arlington is an Equal Opportunity and Affirmative Action employer.


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Fire burning bright for Aintree
Arctic Fire gets the chance to step out of his illustrious stablemate Hurricane Fly's shadow when he goes for glory in the Doom Bar Aintree Hurdle at the Liverpool course on Thursday.
With the 22-times Grade One winner being saved by trainer Willie Mullins for Punchestown, Arctic Fire attempts to open his account at the highest level after a string of valiant efforts.
The progressive six-year-old has been placed in a succession of top races and after twice finishing behind Hurricane Fly in both the Ryanair and Irish Champion Hurdles at Leopardstown, he had the great horse back in third when runner-up to another stable companion, Faugheen, in the Champion Hurdle at Cheltenham.
"He's been in good form since Cheltenham so we decided to let him take his chance," said Mullins.
"I just felt we should keep Hurricane Fly for Punchestown as he's always good there.
"It's his first time over the trip (two and a half miles), but the way he was coming up that hill at Cheltenham, you would be hoping he'll stay. We'll find out on Thursday.
"I still can't see a rib on him. He's an exceptional horse and I still think there is a lot of improvement in him."
While it is no certainty the step up to two and a half miles will suit, jockey Ruby Walsh is optimistic he will stay.
"The trip is an unknown but the way he came home at Cheltenham you would have to be hopeful," said Walsh.
"He's improving and Willie always thought he was a Champion Hurdle horse."
Jezki was behind Arctic Fire when fourth in defence of his crown at Cheltenham and c onnections admit it looks a tall order for the Jessica Harrington-trained seven-year-old.
"He seems in good form. Jessie's happy with him," said Frank Berry, racing manager to owner J P McManus.
"He has a bit of ground to make up on Arctic Fire. It will be very hard to turn the tables round, but we'll hope for the best.
"Arctic Fire is the one to beat and is sure to be hard to turn over."
Harry Fry is hoping it will be third time lucky in this race for Rock On Ruby, who has been placed in the last two years.
Two years ago he was third to Oscar Whisky and 12 months later he was touched off by The New One, who misses this year's race after a setback.
"Obviously we were forced to bypass Cheltenham, but the distance of this race is perfect for us," said Fry.
"He's run very well in it in the past, not least last year when he was denied a head by The New One.
"He seems to be right back on his 'A' game. I couldn't be happier with him at home. He'll love the ground and we go there full of confidence.
"It's a very tough race, as you'd expect for a Grade One. It will be fascinating and I'm looking forward to it."
Dan Skelton admits the big three will take some beating but he equally feels Blue Heron has earned the right to take them on after his win in the Kingwell Hurdle at Wincanton in February.
"We deliberately missed Cheltenham, not especially to come here but because we decided not to go there," said Skelton.
"It's going to be hard to beat the top three. They are pretty clear on ratings. We go there because we think he deserves his place.
"The Kingwell was his Gold Cup, make no mistake."
The Nicky Henderson pair of Vaniteux and Volnay De Thaix complete the six-runner field after Melodic Rendezvous was declared a non-runner on Wednesday.
Press Association


text:
Unilever's 'sustainable brands' growing twice as fast as regular ones
At the London launch of its Sustainable Living Plan progress report, Unilever has revealed that its sustainable living brands such as Dove and Lifebuoy, are growing faster than regular brands.
Indeed, the FMCG giant's sustainable brands grew at twice the rate of its regular business, according to Paul Polman, Unilever ceo. "In a volatile world of growing social inequality, rising population, development challenges and climate change, the need for businesses to adapt is clear, as are the benefits and opportunities. This calls for a transformational approach across the whole value chain if we are to continue to grow. Consumers are recognising this too, increasingly demanding responsible business and responsible brands.
"Our experience is that brands whose purpose and products respond to that demand – 'sustainable living brands' – are delivering stronger and faster growth. These brands accounted for half the company's growth in 2014 and grew at twice the rate of the rest of the business."
The company also confirmed that it is on track to meet most of the Unilever Sustainable Living Plan goals, which it set in 2010 and reported significant supply chain progress: more than 55% of Unilever's agricultural raw materials are now sustainably sourced.
Against the ambitious target to help improve the health and well-being of over 1 billion people by 2020, Unilever is nearly 40% of the way to reaching it. The company says that it has also enhanced the livelihoods of over 1 million people so far, having helped and trained 800,000 smallholder farmers since 2010 and provided 238,000 women with access to training, support and skills.
You can read the full progress report here.
Unilever | Global | Sustainability


text: Harvard — Police arrested two men after they were involved in an accident at 6:10 p.m. Tuesday at Eastman and Metzen Streets. Araceli Vazquez, 27, of 700 W. Metzen St., was charged with failure to secure a child under 4 years of age and with not carrying a valid driver's license. A passenger, Jesus Juevas, 21, of the same address, was taken to Harvard Hospital. The driver of the other car, Oscar Mendoza, 22, of 6202 Oak Grove Rd., was charged with failure to yield and with not carrying a valid driver's license. Mendoza posted $100 as bond and was given a Jan. 5 court date.


text:
THE Captain of Lambeg Golf Club, David Hilland, raised £1000 on his Charity Day and decided for the funds to be split between two charities.
£500.00 was presented to Valerie Parker for Macmillan Cancer Care by current President, Brian Bates. Valeries husband Dougie Parker, who passed away just over one year ago, was a Past Captain and President of the club. He was on the club council for many years and was well respected by all the members of the club. Valerie, accompanied with her daughter Suzanne and grand-daughter Jesssica, presented the club with a beautiful memorial trophy in remembrance of Dougie.
The second charity to benefit was Lisburn 2gether Special Olympics. David has close connections with this charity as his job involves supporting adults with learning disability. Representatives from the charity, Margaret McClelland and Helen Mahood were presented with a cheque for £500 from club Captain, David Hilland.


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What's New in This Release:
· Buy one application and use it on your iPhone or iPad, optimized for both devices!
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text:
Red Bird has yet to fill out a bio.
@Red Bird Bird, thank you for taking the time out of your day to leave that comment. However, if you would take another second and read the beginning you would see that my goal was never to explain why this was occurring, simply to dig in a little bit deeper as to what is happening. I am sorry you did not enjoy it. Have a lovely day.


text:
Twitter today has simultaneously updated three of its mobile apps, all for different platforms. The Twitter iPad app was updated to version 5.0 with major updates while both the Twitter for iPhone and Android were given a couple of new features. According to Twitter, Twitter for iPad 5.0 was rebuilt from the ground up – making it faster, more beautiful and easy to use. The updated Twitter iPad app will bring you closer to what's happening worldwide as well as make it easier to keep up with the news, photos and people you follow. At the app's home screen, you can now see summaries of photos, videos and web page. Another tap will switch the app's view in fullscreen mode. The app also now lets you keep conversations going by tracking interactions as well as see who has followed or mentioned you, retweeted or favorited your tweets. The Discover option of the app now gives you more useful and entertaining information which are all personalized based on your preference. You can now read popular news stories within your network as well as see which Tweets and accounts are favorited and followed by people you know. Finally, the new Twitter for iPad will also now let you express yourself by way of new header photo that you can use for your Twitter profile. This photo will appear consistently above your Tweets. And you can change this photo easily, anytime.
New to both iPhone and Android apps include new feature header photos for profiles which will allow you to upload an image from your mobile device and then see the same profile design no matter what you used to view your account – be it on a phone, tablet or computer. Additionally, the updated app also now lets you view photos in fullscreen mode instantly by just swiping left or right on the screen or tapping on photos.
Via [Twitter Blog]


text:
Submit News
NASA Gives Bigelow Aerospace $17.8M for Expandable ISS Module
Tiffany Kaiser
January 14, 2013 12:12 PM
Recipient E-mail
Sender E-mail
Bigelow Aerospace's expandable modules
(Source: wikimedia.org)
Further details about the partnership and scheduling will be released on Wednesday, according to NASA
After much success with SpaceX, NASA has decided to bring another commercial space company onboard -- but this time, it's for an
International Space Station
(ISS) remodel.
NASA has awarded commercial space company Bigelow Aerospace a total of $17.8 million to create an expandable module for the ISS.
Bigelow Aerospace, which was founded in 1998, has been building expandable spacecraft with the intention of using them on missions. In 2006 and 2007, the company successfully launched its prototypes into orbit.
Now, NASA wants Bigelow Aerospace to use its expandable modules to develop a bigger space station.
Further details about the partnership and scheduling will be released on Wednesday, according to NASA.
"This partnership agreement for the use of expandable habitats represents a step forward in cutting-edge technology that can allow humans to thrive in space safely and affordably, and heralds important progress in U.S. commercial space innovation," said NASA Deputy Administrator Lori Garver.
NASA took a chance with private, California-based space company SpaceX when the government agency retired its space shuttle fleet throughout 2011. SpaceX stepped up in order to provide American astronauts a way to the ISS without hitching an expensive ride on a Russian Soyuz rocket. In 2012, SpaceX's Dragon made an
initial successful cargo trip
to the ISS in May and its
first official cargo trip
later in October.
It is rumored that SpaceX and Bigelow Aerospace will make a trip together in 2015.
The ISS, which launched in 1998, will
deorbit and be sent to the ocean
around 2020 according to
deputy head of Roskosmos space agency Vitaly Davydov.
"If a man really wants to make a million dollars, the best way would be to start his own religion." -- Scientology founder L. Ron. Hubbard
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July 27, 2011, 10:15 AM
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text:
This product is no longer available.
You can try these similar gifts instead.
Resin NFL Forest Face
Turn any ordinary tree into a natural football fan with this clever sculpture. Simply present your favorite sports fanatic with this gift (includes eyes, nose, mouth and a ball cap) that can be affixed to any tree.


text:
James Shafe
PhD Candidate in Political Science
- Name: James Shafe
- Fax: 020 7679 4969
- Email: firstname.lastname@example.com
Thesis Title
Utilitarian Public Reason
James is researching the demands that liberal democracies should make of their citizens when they debate certain important questions: what Rawls called "constitutional essentials and matters of basic justice"., His thesis takes Bentham's work on institutional reform and ethics as a template to test whether a consequentialist response to this question of "public reason" could provide a viable alternative to dominant rights-based liberal accounts. This question is especially interesting because, for obvious reasons, consequentialists typically deny the "right to justification" on which many contemporary public reason accounts are based.
James studied PPE at Pembroke College, Oxford and holds an MA in Legal and Political Theory from UCL's School of Public Policy. He has done research for think tanks including the Fabian Society and has several years' experience as a public affairs consultant for a variety of large financial services providers. He currently works as a teaching assistant at King's College London on its undergraduate Modern Political Thought course.
James' research is funded by an AHRC scholarship.
General Research Interests
- Consequentialism
- Liberalism and neutrality
- Contemporary liberalism and deliberative democratic theory
- Bentham studies, and related debates in the history of ideas


text:
Wed., Nov. 30, 2011, 11 a.m.
Spec Sess Day 3: Budget hearings and medical marijuana
Maintenance worker checks the Capitol dome for leaks Wednesday morning.
OLYMPIA -- Senate budget hearings resume this afternoon, with the Ways and Means Committee scheduled to concentrate on proposed cuts to public schools and state universities.
Both the House and Senate are scheduled to come into session at 10 a.m., but then break fairly quickly for caucuses. The House put off any debate Tuesday on a plan to help save the Wenatchee Public Facilities District from default, and would have to do something today to have any hope of meeting a deadline on Thursday. But that proposal is in trouble, with little movement in the Senate after a fairly skeptical reception in committee Tuesday, and things don't look good for what some legislators see as a precedent-setting bailout.
Gov. Chris Gregoire has a lunchtime telephonic press conference on medical marijuana. It's a joint event -- sorry, couldn't resist -- with Rhode Island Gov. Lincoln Chafee.
Meanwhile, the state is checking the Capitol dome for any leaks or other maintenance problems that need attending. It contracted with a Seattle architectural firm for someone to rappel down the dome and check out the condition of the roof.
(Editor's note: An earlier version of the post said a Seattle television station sent a news helicopter to check out the person on the dome because of recent protests. But a spokesman for the state Department of Enterprise Services, which is in charge of state buildings, said tne news chopper came down for an aerial view for a story on the planned maintenance to the dome.)
You must be logged in to post comments. Please log in here or click the comment box below for options.comments powered by Disqus


text:
|Posted by huldrych at Apr 16, 2010 11:38:43 PM
Deleting history
I just got another friend hooked on PocketSword yesterday, but while fooling around with it, discovered that you couldn't delete history entries.
You can finger-swipe the entry to bring up the "delete" button, but tapping the delete button does nothing.
Just a heads-up.
Current timezone is GMT
Nov 18, 2017 6:41:07 AM


text:
Comment wanted on new housing controls
Central Coast Council has called for comment on changes to planning controls for single dwellings which will unify regulations across the former Gosford and Wyong council areas.
Council administrator Mr Ian Reynolds said: "We want to align the controls so the same rules apply for homeowners across the Coast.
"This plan will harmonise planning controls for single dwellings across the Coast only, not for multi-unit developments.
"More consistent housing development controls will help reduce development application turn-around times, align terminology, reduce and simplify the information needed, basically cut red tape and make it really clear what residents can and cannot build on their property."
Residents will have 28 days to review the draft Housing Development Control Plan and have their say via Council's Your Voice Our Coast website.
At the March ordinary council meeting, administrator Mr Ian Reynolds resolved to endorse the exhibition of the draft amended chapter 2.1 of Development Control Plan 2013 for the Wyong Shire and Chapter 3.1 of the Gosford 2013 Development Control Plan.
Under the provisions of the Environmental Planning and Assessment Act, the council is not permitted to have two separate development control plans applying to the same land.
Until such a time as a single consolidated plan is adopted by Central Coast Council, the plans of the former councils will need to be retained.
"This means that if the proposal proceeds the Wyong 2013 plan and Gosford 2013 plan will still both have a housing chapter.
"However, the controls in each housing chapter will be aligned."
According to a report to the administrator, the proposed alignment of the two plans involved changes to the site coverage, rear, front and side setbacks, building heights and car parking.
A site coverage control is not currently used under the existing Gosford plan but other controls, such as floor-space ratio and landscape area, have been relied on to achieve the desired outcome.
The Wyong plan, on the other hand, required a maximum of 60 per cent site coverage on lots with an area less than 250 square metres and 65 per cent on lots with areas greater than 250 square metres.
The proposed plan would require a maximum of 60 per cent on lots less than 450 square metres, 50 per cent on lots of between 450 and 900 square metres and 40 per cent on lot sizes of 900 to 1500 square metres.
In terms of front setbacks, the Gosford plan required six metres, Wyong required 4.5 metres and the proposed alignment would be for 4.5 metres or "as per adjacent dwellings".
Rear setbacks in the Gosford plan will change from three metres to six metres for up to 4.5 metre height and 3 metres for more than 4.5 metres height.
The Gosford rear setbacks for outbuildings have been three metres or 900mm if the building height is less than four metres and the building floor area is less than 20 square metres.
The draft proposal would change this to 0.5 metres plus one quarter of the height of the building above 3.8 metres for buildings from 0.5 metres, which is an adoption of the existing Wyong provision.
Under the former Gosford plan, outbuilding areas were limited to 60 square metres which will be changed to a sliding scale similar to that of the existing Wyong plan.
Outbuildings on land less than 600 square metres can be 45 square metres in size.
If the block is between 600 and 700 square metres, the outbuilding can be 60 square metres.
Under the proposed aligned plan provisions, blocks of land between 700 and 800 square metres can have outbuildings up to 75 square metres; blocks 800 to 900 square metres in size can have out buildings up to 85 square metres and lots above 900 metres square could have outbuildings up to 100 square metres in size.
The building height for outbuildings and detached ancillary development in the former Gosford Council area will be reduced under the proposed alignment of the plan from five metres to 4.8 (as with the former Wyong plan).
The Gosford plan required two car parking spaces for residential developments with a floor area of 125 square metres or more.
The aligned version will require two car spaces per three bedrooms, in line with the former Wyong requirement.
Some of the elements that cannot be aligned and will remain as is.
The existing Gosford house building height will stay at 8.5 metres (generally) in residential areas (as opposed to 10 metres under the Wyong poan); floor space ratio which will stay at 0.5:1 and foreshore building lines which will remain six metres for single storey dwellings and 10 metres for two-storey houses.
Media release, 22 Mar 2017
Ian Reynolds, Central Coast Council
Central Coast Council agenda 2.4, 22 Mar 2017


text:
How this Novel Was Written
I found Alessandra Giliani by accident, in the course of looking into the life and work of another female anatomist, Anna Morandi Manzolini, who lived in Bologna 400 years later, in the 18th century. The little bit of biographical information I found about Alessandra—this daring teenager who dreamed of doing medical research at a time in history when women were burned at the stake with very little provocation—convinced me that a novel just had to be written about her short, marvelous and mysterious life.
For three weeks, I searched for clues in and around Bologna, exploring the vast holdings of the beautiful archives and libraries there, housed in buildings that are themselves works of art. I slowly parsed academic articles written in Italian, pored over gorgeous illuminated manuscripts, crept around in crypts, and stared at paintings. In all of these, I was looking for the details that tell us what it was really like to live in the province of Emilia-Romagna in the early 14th century. What did it feel like to be a young girl then?
I knew that all the contemporaneous paintings of scenes from the Bible had 14th century people posing for them: these were Alessandra's contemporaries, whose ways of reading, sitting, working, learning, loving, and sleeping could be winkled out from these images. A wooden baby walker, a cradle with its rockers arranged end-to-end rather than side-to-side, a person hauling water, lovers sequestered in a private room at a public bathhouse, the very plants and flowers were all pieces of the mosaic I started constructing.
The place itself—the quality of the light, the way the birds sang, and even the drift of plum blossoms wafting down on me as I walked off the path of a pilgrimage road: all of these seemed like dispatches to me from another dimension where Alessandra still lived and wanted her story told.
I never thought that history would become one of my life's passions. I never even liked history when I was at school, apart from the context of literature, music, and art. But history has lately been revealed to me as the place where I live, where we all live, side by invisible side with others who—if we get quiet enough and listen carefully enough—will touch us and tell us their stories.


text:
Social Security reform must ensure that every American worker can retire with more to show after a lifetime of work than just memories and a small monthly check from the government. The best way to do this is to enable all workers, at every income level, to invest a portion of their existing Social Security taxes in an account they personally own. That way, they could benefit from America's dynamic economic growth while building a retirement nest egg.
However, making the decision to create a Social Security system that includes personal retirement accounts is only the first step toward improving Americans' retirement security. Congress, of course, will have to determine how these accounts should be structured and regulated. More than anything else, such decisions will determine whether personal retirement accounts reach their full potential.
Personal retirement accounts already have an impressive track record. In a number of countries across the globe, they are helping people to increase their retirement incomes while at the same time greatly reducing the cost of the government-funded system.
The Practical Advantages of Personal
Retirement Accounts.
In addition to restoring fiscal stability to Social Security, personal retirement accounts would permit workers of all income levels to participate fully in the growth of the U.S. economy. Over the 12 months ending on September 2, 1999, Standard & Poor's S&P 500 stock index went up 34.3 percent.1 The NASDAQ composite stock index went up 74 percent.2 Corporate bonds, as measured by the Merrill Lynch Corporate Bond index, yield 7.5 percent a year,3 and the government's Series I United States Savings Bonds yield 5.05 percent.4
A look at the historical data, including data for years in which investments performed very poorly as well as those in which they performed well, shows that stocks average a real return (after inflation) of 7 percent annually. But Social Security, on which many low-to-moderate-income workers will rely for much of their retirement benefits, has average annual real returns of only about 1.2 percent.5
Translated into dollars, this means that a typical family of four, with two working parents, will have $525,000 less saved up for retirement under the current system than if they had been able to invest their Social Security retirement taxes in a personal retirement account.
Criteria for Success or Failure. A growing number of legislators from both parties have introduced plans that would allow workers to divert some or all of their Social Security retirement taxes into some form of personal retirement account. In recognizing the importance of allowing Americans to increase the rate of return on the portion of Social Security taxes that funds their retirement benefits, these plans take a major step toward increasing retirement security for working Americans and their families.
However, the success or failure of any plan that would establish personal retirement accounts will depend largely on three key decisions:
What the source of funds going into the individual accounts will be;
- How the accounts will be regulated.
There are only two realistic sources for the funds that would go into a Social Security personal retirement account that is part of Social Security. Essentially, the money could come from the existing Social Security taxes that an individual already pays or from new taxes.
Some lawmakers propose introducing new taxes or earmarking revenue from the expected budget surpluses to fund the new accounts.6 These are usually called "add-on" accounts because the money that goes into them is in addition to the taxes an individual already pays to Social Security. Although this method would improve a worker's retirement income, it means higher taxes and would do nothing to improve an individual's rate of return on Social Security taxes.
The alternative is to fund the account with money that has been "carved out" or diverted from the taxes that now pay for Social Security retirement benefits.7 This method would reduce the income to the Social Security trust fund and take a significant step toward tackling insolvency even sooner; it also would make Social Security a much better deal for most Americans. In addition, diverting part of the existing Social Security tax would provide a much more stable source of funding that does not depend on the accuracy of economic forecasts or the ability of Congress to restrain its spending habits.
Some legislators have proposed that another alternative might be a system of voluntary personal retirement accounts that would be a part of Social Security.8 In effect, workers would be allowed to save additional money in these accounts, but the full amount of their Social Security taxes would still go to the existing system.
This approach is very unlikely to be successful. Social Security taxes are so high that they eliminate the possibility of additional savings for millions of workers. Faced with the need to pay this month's mortgage or the children's medical bills, these workers understandably would choose to meet immediate needs rather than to save for an event far in the future. Thus, while some Americans might be able to benefit somewhat from voluntary accounts if they increased their total savings, most of them either are already saving this money through an existing investment plan or do not have the after-tax income to open a retirement account.
How Would Accounts Be Funded?
Add-on Accounts.
A personal retirement account that would be funded by new taxes or revenues from the budget surplus is called an "add-on" account. These accounts are not funded by diverting a portion of the existing tax that pays for Social Security retirement benefits. Both President Bill Clinton's Universal Savings Account (USA) proposal, which the White House says will be financed from the budget surplus,9 and the Social Security Guarantee Account plan proposed by House Ways and Means Committee Chairman Bill Archer (R-TX) and Social Security Subcommittee Chairman Clay Shaw (R-FL), are types of add-on accounts.10
Although the White House often mentions the USA plan in discussions of Social Security reform, there actually is no connection between these accounts and Social Security. Any amounts accumulated in them would be in addition to Social Security benefits. On the other hand, the accounts contained in the Archer-Shaw proposal would, in almost every case, end up financing a major part of the Social Security benefits that a worker would have received anyway.
Problem #1: Lower Rate of Return.
The major objection to add-on accounts is that they do nothing to improve Social Security's poor rate of return and could make the system an even worse deal.11 In addition to paying his or her share of the existing 10.6 percent Social Security retirement tax, a worker would have to pay enough federal tax to fund the add-on account. A personal retirement account funded with an amount equal to 2 percent of a worker's income, such as that contained in the Archer-Shaw plan, would result in a total tax burden equal to about 12.6 percent of income.
In the President's plan at least, the account that is funded by this extra tax could be expected to raise the worker's retirement income. But under the Archer-Shaw plan there is almost no way for an individual to change his or her retirement income unless the investments in the account do spectacularly well. This is because Archer-Shaw guarantees that workers will receive their full Social Security benefits under all circumstances. At the same time, the individual accounts that are established by this plan are structured so that it would be very difficult for them to accumulate enough to increase the worker's retirement benefit without a high-risk investment strategy. If workers' investments did not pan out, the government would pay the same retirement benefit that it would have paid if the accounts had not existed in the first place,12 even though workers would have to pay higher taxes--reducing their rate of return even more.
Problem #2: Unstable Source of
Another major question about add-on accounts is whether there is a stable source of funding if the money that goes into them comes out of the expected surplus. Former Congressional Budget Office (CBO) Director June O'Neill has warned that the era of budget surpluses could be fairly short,13 and any long-term economic forecast is volatile. In August 1998, the CBO projected the aggregate surplus for fiscal years 1999 through 2008 to be $1.54 trillion.14 Just a few months later, in January 1999, the aggregate projections for the same period were increased 72 percent to $2.65 trillion.15 Over the next few years, these forecasts could just as easily drop--a not unreasonable prediction in light of Congress's propensity to spend.
When the inevitable economic slowdown hits, deficits are very likely to return. At that point, Congress will have only two options. It can either end federal contributions to these add-on accounts or convert them into another expensive entitlement program.
The retirement security of American workers is far too important to base on hopes for a future surplus. While it might make sense to start funding USA accounts with the surplus, Congress should then shift to funding them with a proportion of the existing taxes that workers already pay to Social Security. That way, once the surpluses end, these accounts could continue to grow and, with them, the retirement incomes of American workers.
Carve-out Accounts.
The other alternative is to fund an individual Social Security account by diverting, or "carving out," some portion of the 10.6 percent of income (including the part that an employer pays on behalf of the employee) that Americans now pay for Social Security retirement benefits. In the legislation introduced by Representatives Jim Kolbe (R-AZ) and Charles Stenholm (D-TX),16 and that introduced by Senators Judd Gregg (R-NH) and John Breaux (D-LA),17 8.6 percent of income continues to go to Social Security, while an amount equal to 2 percent of income funds a personal retirement account.
In these and similar proposals, the individual worker would own and receive the full benefits from any money accumulated in the personal retirement account. The funding of a carve-out is stable since it uses existing payroll taxes. And because it uses taxes already being paid by workers, any person paying Social Security taxes could afford an account.
Challenge #1: Funding Benefits for
Current Retirees.
A carve-out proposal, however, must deal immediately with the fact that under a pay-as-you-go retirement system, today's Social Security retirement taxes pay mainly for benefits to current retirees. Thus, any money that goes into an individual Social Security account will not be available to fund today's benefits. This is not a critical problem when Social Security is running a surplus, as it is now, but a carve-out would cause the surpluses to end sooner and increase the program's deficit for a time once they began.
Challenge #2: Avoiding
As a result, Americans who choose to divert part of their payroll tax into a personal retirement account should not be permitted to "double-dip." In other words, they should trade part of their traditional Social Security benefits in return for the higher earnings of a personal account. One way to accomplish this would be to require these workers to give up the proportion that is equal to the amount of tax diverted. Thus, if 20 percent of a worker's Social Security retirement taxes (an amount equal to about 2.0 percent of income) was diverted into a personal retirement account, that worker's monthly Social Security check would be reduced by 20 percent.18
most important decision that must be made about any Social Security
reform plan that includes personal retirement accounts is how the
investment choices are structured and regulated.
A simple system would give workers the ability to choose from a limited number of investment choices while also allowing them to choose a qualified firm to manage those investments.
Limiting Investment Options
There is a good case to be made for initially offering only about three low-cost investment options in order to reduce administrative costs and potential investor confusion. This approach was used successfully in the early days of 401(k) account plans for much the same reason, and as time went on, additional investments and services were added. For reasons that will be seen below, these initial investment options should include a broad-based stock index fund, a corporate bond index fund, and some sort of government bond fund, perhaps using the new inflation-indexed Series I U.S. Savings Bonds.
Reducing Administrative Costs.
Initially limiting the number of investment options would have two advantages. First, studies have shown that administrative costs are directly related to the complexity of the account and to the level of services offered.19 Stock index funds, which are computer traded, have extremely low administrative costs. This is also true for corporate bond index funds. Overall, an account that offers only a few simple investment options, one of which is a stock index fund, will provide the best trade-off between potential returns and low administrative costs. A recent study by State Street Trust shows that personal retirement accounts could be offered for an annual administrative cost of 0.5 percent of assets or less.20
Reducing Risk.
Second, limiting the number of investment options reduces risk. Your brother-in-law's hot stock tip is not usually the best road to retirement security. An index fund would give the returns associated with the equity markets without the hazard and expense of picking individual stocks. Regardless of which investment manager is offering a product, equity funds tied to a specific stock index are very similar. Studies show that while individual stocks tend to have wide swings in value, long-term investments that track the growth of the overall stock market have very little risk. Studies by Ibbotson Associates, a noted stock market research company, show that the overall stock market has increased in value over every possible 20-consecutive-year period since 1926.21
Learning to Invest.
Limiting the number of investment choices would also allow people who are not currently managing their own money to learn gradually to invest. Since any of the three basic options would earn substantially more than the current Social Security system does, any choice would improve their retirement incomes. Those workers who fail to choose an investment option would go into a default portfolio made up of 50 percent stock index funds and 50 percent Series I U.S. Savings Bonds. This would provide Americans of all ages a mixture of higher investment returns and greater security.
While the small number of investment choices available at the program's start may be frustrating to more sophisticated investors, as the personal retirement account system matures, additional investment options and services could be made available without a substantial increase in administrative costs. This was the case with 401(k) retirement accounts. As the system developed, investment managers increased both the level of service and the number of investment options that were available to plan members. More recently, the law that established the Thrift Savings Plan for federal workers was amended to increase the number of investment options from three to five. In the case of personal retirement accounts, additional investment options should be made available as soon as cost factors warrant.
Allowing a Choice of Investment Managers
Over time, these retirement savings accounts no doubt would attract hundreds of billions of dollars worth of savings and retained earnings. This pool of money would almost certainly be too large to be managed by any one investment manager. For that reason, rather than having everyone invest in one big stock index fund, as is currently the practice in the federal Thrift Savings Plan, it would be better to allow individuals to purchase their stock or bond index funds from an approved list of investment managers. In the event that the manager is unsatisfactory for any reason, account owners should also be allowed to change managers at least annually.
The competition among investment managers--the large companies that handle the investment of large pools of money such as mutual funds and pension assets--would do more than any other factor to keep the administrative costs of these accounts low. It would also encourage the development of new products and services that could make personal retirement accounts even more valuable to their owners.
Reducing Political Interference.
In addition, allowing investors to make an individual choice of investment managers would significantly reduce the probability of political interference in investment decisions. Allowing a government agency, no matter how it is structured, to invest Social Security funds in equity markets sets up a situation in which the long-term needs of future retirees are likely to be subordinated to short-term political goals.22
However, political influence is possible even if stock investments were to be limited to index funds containing 500 or more stocks. Index funds can be developed using any criteria, and it would be extremely easy to develop, for example, an index fund of 1,000 stocks that left out tobacco companies, gun manufacturers, and other companies that had aroused the ire of organized labor or were deemed to have a poor record on the environment.
First Steps.
When the system is first launched, it might not be feasible to allow each person to select his or her own investment manager. Depending on how a Social Security system with personal retirement accounts is structured, it could be necessary to allow smaller accounts to build to a certain amount before they could be transferred to a private investment manager. It might also take some time to develop the actual mechanism to transfer both the existing account and future contributions while still allowing both to be tracked properly for regulatory purposes. However, these delays should be temporary and should be overcome within a few years.
Other countries have adopted such approaches. In the United Kingdom, for instance, retirement taxes are collected by the government and kept for a year in a government bond fund while income data are being collected. Once it is clear how much is due to each person, both the taxes and the accumulated interest they have earned while they are in the bond fund are sent to that individual's investment manager and credited to his or her specific account.
A method similar to this could be also used for personal retirement accounts that are part of Social Security. This would have the advantage of utilizing Social Security's existing method of collecting individual income data while still allowing the greatest number of private investment managers to be involved in the investment process. The accounts of workers who fail to choose a private investment manager could be apportioned among managers in much the same way that many states assign high-risk motorists to automobile insurance companies.
Protecting Consumers Against Fraud
Existing consumer protection laws should be more than adequate to prevent the type of mis-selling problems that hit the British Social Security system several years ago. The United States has a long tradition of carefully regulating the way that investments can be sold to consumers, something the British lacked at the time. If it is required that all financial managers be licensed and regulated, and if the types of investments that can be offered to consumers are limited, this problem should not arise. However, these existing laws should be strictly enforced, and regulators should be ready to respond to any reports of fraud with immediate prosecution and recommendations for ways to tighten consumer protection laws.
The long-term success or failure of personal retirement accounts would depend in large part on how they are regulated. Regulation that is too strict would prevent account owners from earning enough on their investments for a better retirement income. It could also discourage private management firms from participating in the program.
On the other hand, regulation that is too loose could result in investment choices that are either too risky or otherwise questionable for a retirement account. It could also result in participation by under-capitalized or inexperienced investment managers. Either overregulation or underregulation could cause the program to fail.
At the same time, all types of financial institutions should be encouraged to set up offices or subsidiaries to manage personal retirement accounts. This type of business should not be limited to investment banks or any single group of financial intermediaries. The American financial markets have become extremely efficient and cost-effective because they constantly compete with each other, and this rivalry should also work to the benefit of those who own these retirement accounts.
Perhaps the most dangerous move would be to create an entirely new regulator or to give the job to an existing agency that has no real experience in regulating this type of investment. In either case, the learning curve would be steep, and either the program would be unnecessarily delayed or potentially dangerous gaps in regulatory control could develop. Additional problems would be created if the agency has a conflict of interest. For instance, the Social Security Administration not only has no experience in financial regulation, but also could be tempted to hinder the development of a system that is in competition with the existing system.
Criteria for Licensing Investment
Only established investment managers who can meet several strict, but objective, standards should be allowed to accept retirement savings. This requirement would serve both to protect investors and to reduce the possibility of political influence in the licensing of those who could hold and invest personal retirement accounts. Existing financial regulators have wide experience in determining whether companies and individuals have the ability and financial strength to compete successfully. This knowledge can readily be adapted to the licensing of investment managers.
In order to protect both the individual account owner and the Social Security system, potential investment managers should meet four major standards:
Capital adequacy. The investment manager should have sufficient capital invested in the firm to ensure stability and the ability to survive market fluctuations.
Professional expertise. Only qualified and experienced professionals should be allowed to manage these retirement savings accounts.
Disclosure of fees. All fees and costs must be clearly disclosed in writing before any money is accepted.
- Regular statements. All account owners must receive regular statements in clear and simple language that discloses the status of their accounts, including the amount of contributions, the investment options chosen, the rate of return for each investment option, and the exact amount of any fees that were paid.
Investment managers should be examined regularly to ensure that they continue to meet these qualifications and any other rules that the individual regulator finds to be necessary. In addition, there could be a requirement that the principal (but not investment gains) would be covered against loss by a private insurance policy to provide an additional level of security and reduce the possibility that individuals will become anxious because of temporary market dislocations. However, this insurance would be payable only at retirement, and not triggered because of market fluctuations.
Avoiding New Levels of
Financial regulation is extremely technical, and regulatory agencies tend to lack the knowledge needed to fully understand types of financial institutions beyond those that they regulate. The daily activities of a bank, for instance, differ greatly from those of an insurance company or a credit union. To date, no single regulator has the type of detailed information necessary to regulate every other type of financial entity.
As a result, the wisest course could be for the primary regulator of the financial institution owning the investment manager to handle the regulation of personal retirement accounts. The imposition of yet another regulator will only serve to increase the cost to the account owner without adding any substantial benefit.
Thus, an investment managing service owned by a securities firm would be regulated by the Securities and Exchange Commission, while that owned by a national bank would be regulated by the Office of the Comptroller of the Currency. This would allow the regulator with the best knowledge of the day-to-day activities of the investment manager to oversee personal retirement accounts.
As Congress shifts to a system of functional regulation, instead of the existing system of regulating by type of firm regardless of what types of activities the firm engages in, the regulation of investment managers should be given to the SEC. However, until that system is completely in place, consumers would benefit most by using the existing regulators.
Avoiding Additional Layers of
Current financial law divides the responsibility for regulating financial institutions according to type. However, the complex network of financial regulators often overlaps, and in some situations, any one of several different regulatory agencies could regulate similar activities.
It would make little sense to make this often confusing system even more complex by adding another set of regulators. At the same time, it will be important to ensure that all financial managers adhere to the same set of regulations. Requiring a commercial bank that manages personal retirement accounts to meet stricter standards than an investment bank or brokerage house would place the commercial bank at a competitive disadvantage.
Coordinating Regulatory Efforts.
In order to ensure that all types of financial institutions have an equal opportunity to compete for these accounts, and to ensure equal levels of consumer protection, regulators should coordinate their activities. Back in the early 1980s, Congress established the Depository Institutions Deregulation Council, consisting of the major depository regulators, to ensure that the different regulators followed the same set of basic rules. Rather than create an entire new bureaucracy, each regulator assigned staff to the council, and each regulator had an equal voice.
A similar coordinating council should be established for personal retirement account regulators. Its primary responsibility would be to determine the basic structure of the regulations and to issue them for public comment. Once a decision had been reached on key regulatory issues, it would be up to the individual agencies to issue the specific regulations that would affect the institutions under their jurisdiction. However, these regulations would have to meet the standards contained in the council's drafts. The specific agencies would also be required to administer them in the same manner.
Under normal circumstances, this council would meet quarterly, but its staff could meet as often as necessary. Its purpose would be to ensure that all types of investment managing services, no matter which type of financial institution owned them, would meet the same level of regulation. While each agency would have the ability to adapt the regulations to meet the specific circumstances of the entities under its jurisdiction, none of them could adopt a looser standard than that agreed upon by a supermajority of the overall council.
Even if Congress changes the financial regulatory system, the need for a coordinating council will remain. Although some financial regulators could be combined at some point, there is little chance that a single financial regulator will be created, and it is even less certain that such a super-regulator would be desirable.
While the Social Security Administration (SSA) does an admirable job of calculating and delivering benefits to millions of Americans, it has no experience whatever in investing. The Department of the Treasury collects taxes for the SSA, and the Bureau of the Public Debt turns any taxes that are not immediately spent into special issue Treasury bonds. But at no point does the SSA have substantive dealings with financial markets or private-sector financial institutions.
Avoiding a Conflict of
In fact, allowing the SSA to regulate personal retirement accounts could create a conflict of interest. Allowing workers to choose whether they wish to divert a portion of their Social Security taxes into such an account or remain in the existing SSA-administered version would place the two systems in competition with each other. If the SSA had the ability to regulate personal retirement accounts, it could be tempted to use its authority to obstruct the development of these accounts with unnecessarily heavy regulatory burdens.
As a result, the SSA should have no role in regulating financial institutions that manage personal retirement accounts. A massive bureaucracy that can take years to determine eligibility for disability claims simply does not have the expertise or ability to understand the innovative and rapidly changing financial world. The SSA could add nothing positive either to funds management or to consumer protection, and it could do a great deal of damage by misunderstanding the nature of the business.
There may be a good argument for requiring investment managers to coordinate with the SSA when determining benefits or recording contributions to personal retirement accounts, but not for any other activity concerning them.
Personal retirement accounts could allow every worker to participate fully in the growth of the American economy. However, in order to take full advantage of this opportunity, the accounts must be funded from a portion of the existing taxes that go to pay for Social Security retirement benefits. In addition, the structure and regulation of these accounts will make the difference between improved retirement income and unmet expectations.
The importance of these decisions to the success or failure of Social Security reform cannot be overstated. While reformers must also concentrate on macroeconomic concerns such as the effect of reform on economic growth, the seemingly mundane decisions about regulators and investment choices will be crucial.
David C. John is Senior Policy Analyst for Social Security at The Heritage Foundation. He is the editor of Improving Retirement Security: A Handbook for Reformers(The Heritage Foundation, 2000).
4. U.S. Treasury Web site at http://www.publicdebt.treas.gov/sav/sbiinvst.htm.
5. William W. Beach and Gareth G. Davis, "Social Security's Rate of Return," Heritage Foundation Center for Data Analysis Report No. 98-01, January 15, 1998.
6. For instance, the Social Security Guarantee Account Plan proposed by Representatives Bill Archer (R-TX) and Clay Shaw (R-FL) would use money from the expected budget surplus to fund the accounts, while the plan proposed by Senator Phil Gramm (R-TX) would divert money from taxes on business income to pay for some of the transition costs.
7. Examples of this type of account include H.R. 1793, introduced by Representatives Jim Kolbe (R-AZ) and Charles Stenholm (D-TX), and S. 1383, introduced by Senators Judd Gregg (R-NH) and John Breaux (D-LA). See following discussion.
8. S. 21 introduced by Senators Daniel Patrick Moynihan (D-NY) and Robert Kerrey (D-NE) takes this approach. Senator Kerrey later decided to become a cosponsor of S. 1383, the Gregg-Breaux plan.
9. Details of the plan are contained in background material for the 1999 State of the Union speech, which can be found at http://www.whitehouse.gov/WH/SOTU99/sss.html.
10. The Social Security Guarantee Account Plan was announced on April 28, 1999. As of December 20, 1999, it had not been introduced as legislation.
11. This does not apply to President Clinton's USA account plan, which is completely separate from Social Security and does not affect either the system's rate of return or its impending financial problems. However, it does apply to plans such as the Archer-Shaw proposal.
12. Under Archer-Shaw, workers are guaranteed that they will receive 100 percent of the Social Security benefits they would have received under current law. However, unless the worker's Archer-Shaw account earns enough to pay for an annuity that is higher than the expected Social Security benefit would be, all of that account just goes to pay for that benefit. Because the Social Security benefit is guaranteed in any event, the worker has nothing to lose by making high-risk investments--especially since that is the only way that he or she will get any benefit from the Archer-Shaw account.
13. June E. O'Neill (then Director of the Congressional Budget Office), "The Economic and Budget Outlook: Fiscal Years 2000-2009," testimony before the Committee on the Budget, U.S. Senate, January 29, 1999.
15. Congressional Budget Office, "Economic and Budget Outlook: Fiscal Years 2000-2009," January 1999.
18. Since the taxes diverted to a personal retirement account would earn much more than what Social Security would pay, a higher reduction would also be possible without reducing the worker's overall level of retirement income.
19. Olivia S. Mitchell, "Administrative Costs in Public and Private Retirement Systems," in Martin Feldstein, ed., Privatizing Social Security (Chicago: University of Chicago Press, 1998).
20. State Street Corporation, Administrative Challenges Confronting Social Security Reform, Boston, March 22, 1999.


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San Diego, CA
My Style: Casual Chic
Reviews: 4
Average Rating: 5.0
4 reviews
Posted November 10, 2015
Beautiful bag
Love this gorgeous bag! Minimal, structured, elegant design. Well-constructed with high-quality leather, lining, and hardware. Perfect fit for my petite 5'2" size...strap is not too long and bag is compact but still roomy inside. Love!
Sizing: True to Size / As Expected
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Posted March 08, 2015
Minimal Chic!
These are great sandals, simple, elegant black leather with an attractive silver metallic leather strap across the toes. Well made and very comfortable. Two things: The soles are leather and a little slippery, so scuff them up a little bit before walking on tile floors. Also, I'm a 6 1/2 US and ordered a half size down since they don't have 1/2 sizes. Glad I did because the 36 fits perfectly and sizing up would have been way too big. Very nice sandals, would highly recommend!
Sizing: Larger than Expected
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Posted June 28, 2013
Great casual top
Very pretty mid-weight pullover. Attractive and flattering cut and fit, love the detail at the bottom. Nice color and texture to the knit. Might have gotten a petite if available, as I'm 5'2" and the sleeves are maybe 1/2 inch longer than I'd like, but not a huge deal. Looks great with jeans.
Sizing: True to Size / As Expected
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Posted June 28, 2013
Great bracelet, perfect combination of dainty/feminine and edgy/bohemian. Love the turquoise/brass color combination and feels nice on wrist. Looks great with jeans and casual summer tops. My hands and wrists are on the petite side, and this bracelet is a perfect fit, sits nicely and doesn't slide around a lot. Very pleased!
Sizing: True to Size / As Expected
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Legend Brands sponsors driver in charity race
March 13, 2009
BURLINGTON, WA — Legend Brands, parent company of Dri-Eaz, Microban and Unsmoke Systems, is sponsoring Sterling Marlin in the March 21 "Saturday Night Special" race at the Bristol Motor Speedway in
, according to a press release. Bristol, TN
At the Saturday Night Special race, all winnings are donated to charities of the winners' choice, the release stated.
According to a Bristol Motors Speedway release, the winning team will donate the $25,000 purse to the charity of their choice, the second-place team will donate a $10,000 purse and $5,000 will go to the designated charity of each of the other entrants.
Sterling Marlin, who has been racing since 1976 and has two career Daytona 500 wins, has committed any winnings in this race to the National Epilepsy Foundation, the release noted.
Bill Bruders, CEO of Legend Brands, said: "We're proud to sponsor Sterling Marlin. Throughout his career, he has demonstrated the kind of consistency and determination that we apply to our business, and his ability to overcome adversity is truly inspiring."
Legend Brands will also be supporting Sterling Marlin's participation in five other NASCAR races this year, the release added.
Tickets start at only $45 and are available by calling the Bristol Motor Speedway ticket office at (423) 989-6900 or by visiting www.bristoltix.com.
Click here to read the complete release.
For related information, click here.


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Being a submissive or dutiful patient doesn't always pay off. Who exactly was I being good for? Sometimes it's good to be bad.
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We in germany don't have LTE except in Berlin.
So i don't have to buy a One XL
---------- Post added at 01:18 AM ---------- Previous post was at 01:14 AM ----------
It IS working
Thanks for the great rom, but since 2.1.3 I have this issue, do you know what it is?
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From a Northern Star article this week:
City manager Anne Marie Gaura said the finance committee typically reviews the budget and looks at policy recommendations and general fund balance.
"The goal is to utilize the finance advisory committee in the most effective means of how to benefit the budget and the community," Gaura said. "It's an incredibly talented group, and we want to make sure we're utilizing their talents to the maximum."
If we REALLY want to utilize the talents of the city's Financial Advisory Committee (FAC) to the max, we need to move it past budgets. Continue reading Stop Wasting the Financial Advisory Committee on Budgets


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June 21, 2013Gentry County, MO | By: Barnett
June is Farmer Appreciation Month and today we feature Rolling Hills Angus, which is a commercial angus cattle operation in Gentry County near King City.
The farm is family operated, and consists of many duties including artificial insemination, a fall and spring calving herd, forage crop production, and maintaining the herd through genetics. Chris Derks is a co-founder of the Gentry County Cattlemen's Association chapter, which he says brings representation to beef producers.


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Surgical Services
Contact Dr. Abbott
Daniel E. Abbott, MD
Associate Professor
Clinical Specialties
Dr. Abbott is certified by the American Board of Surgery and is a Fellow of the American College of Surgeons. Trained specifically in cancer surgery at The University of Texas MD Anderson Cancer Center, his clinical focus is on gastrointestinal malignancies, as well as melanoma and sarcoma. He performs both traditional and laparoscopic resections for cancers of the liver, pancreas, and stomach. As Director of Cytoreductive and Hyperthermic Intraperitoneal Chemotherapy (HIPEC) Surgery, he is particularly interested in patients with peritoneal spread of appendiceal, colorectal and ovarian cancers. Dr. Abbott is active in a number of national organizations, including the Society of Surgical Oncology, the American Hepatopancreaticobiliary Association, the Association for Academic Surgery, and the Society of University Surgeons.
Dr. Abbott provides a wide range of services including Bile Duct Resection, Caudate Resection, Cryoablation, Cyst Fenestration (Unroof Liver Cyst), Cytoreductive Surgery with HIPEC, Frey Procedure, Gastrectomy - Partial or Total, Hemihepatectomy (Hepatectomy), Laparoscopic Liver Resection, Laparoscopic Pancreatectomy, Liver Resection, Liver Tumor Ablations, Melanoma Completion Lymph Node Dissection (Axillary and Groin), Melanoma Sentinel Lymph Node Biopsy, Melanoma Wide Local Excision and Skin Closure, Obstructed Pancreatic Duct Drainage (Peustow Procedure), Pancreatic Head Resection, Pancreaticoduodenectomy, Pancreatic Pseudocysts Drainage, Pancreatic Resections, (show all).
Research Interests
Dr. Abbott, a health services researcher, focuses on cost-effectiveness, systems efficiency, and socioeconomic disparity in cancer care. He is particularly interested in identifying opportunities to maintain or enhance cancer care using technology in a patient-centered manner and thereby helping patients access expert cancer care in more personalized settings.
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