text:
LONDON, U.K. — Mass murders are significant events and their anniversaries are usually a time for reflection and public commemoration.
Five years ago today, four suicide bombers blew themselves up in a coordinated attack on London's transport system. Fifty-two people were killed and several hundred more were injured. The bombers were all British Muslims.
But Wednesday's anniversary is being marked, well, it's being marked by nothing.
There will be no memorial service for the victims' families attended by the royal family or the prime minister, no re-enactment of the London-wide moment of silence that marked the first anniversary of the atrocity.
Not everyone is happy about the government's hands-off attitude. Thelma Stober, who lost part of a leg in the bombing, told the BBC she had approached the government about marking the occasion but had been turned down.
The government department responsible issued a statement, "Many of the families have told us that after five years, they no longer look to government to lead the commemorations. They prefer to remember their loved ones in their own way. Many are planning to visit the memorial throughout the day." The BBC did not record Stober's response.
The 7/7 memorial, located in Hyde Park, is a sculpture comprised of 52 steel columns, each 11 feet high and representing one of the dead.
The non-observance of the occasion says much about British society's ability to absorb a shock as big as 7/7. It is useful to compare the non-event of this anniversary to the hysteria that has accompanied the failed bomb plots in Detroit and Times Square. There are several reasons why the British take a low-key attitude to terrorism.
First is the country's long acquaintance with the random violence of modern terrorism. For the better part of 15 years, the IRA waged a bombing campaign on the island of Britain. In that time they killed senior conservative politicians and innocent school children. They mortared 10 Downing Street when the British cabinet was meeting. Society realized the best way to deal with this sort of attack was to carry on as before. That lesson has been carried over and applied to Islamist terrorism.
Second, it is clear that the Muslim community itself was as shocked by the events as the rest of Britain and has worked quietly from within to confront radicals. It is notable that the most persistently vocal radicals are increasingly isolated.
Anjem Choudary, can always get the newspapers' attention with outrageous comments and stunts like his threat to parade 500 empty coffins through the streets of Wooton Bassett, the town adjacent to the military airport where the coffins of British soldiers killed in Afghanistan arrive back in the U.K. Choudary's threat came to nothing. His own community was profoundly embarrassed by it.
The third reason for Britain's low-key attitude is that security services have learned as many lessons over the years about how to respond to terrorist provocation as British society has. There has clearly been cooperation between Britain's domestic and international security agencies, and intelligence on jihadist activity gleaned in Pakistan has been used to thwart at least some of the plots in Britain.
It is also clear that sources of information within the Muslim community have been developed and have helped police cut things off before they get out of hand. Up to 12 plots are reported to have been foiled in the last decade.
The margin of error remains thin on all sides. In June 2006 police raided a home in Forest Gate in London and shot an innocent man who they thought was involved in a jihadist plot. In July 2007, an attempt to set off a car bomb near a nightclub in Piccadilly Circus failed because the explosive device was faulty, not because of police activity. The two bombers then drove north to Glasgow in Scotland and attempted to blow their car up at the airport. They failed.
These two examples speak to the difficulty facing police and the Muslim community. But for the most part a tenuous balance has been reached.
Tariq Modood, professor of Sociology at Bristol University, summarized the attitude inside the Muslim community as wanting to allay their fellow citizens' fears about Islam but also wondering if they have all been smeared with the jihadi brush. "We hear you, but do you hear us?" he told the BBC.
The answer to that question might be found in Tuesday's announcement by British Prime Minister David Cameron that there will be an independent judicial inquiry into allegations that Britain was complicit in torture of some of its Muslim citizens suspected of terrorism in the years after 9/11.
Ten Britons were held at Guantanamo. Several of them have claimed British intelligence operatives were involved in sending them for torture while they were en route to the notorious detention center. This has long angered Britain's Muslim community.
Tuesday's announcement demonstrates that the government does indeed hear what its Muslim minority says. The enquiry will be another quiet bit of bridge building to ensure that another 7/7 never happens.


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Pacific rim business cycle analysis: Synchronisation and volatility
This paper examines sychronisation and volatility of the business cycles of Pacific Rim countries which are closely linked by trade. Close synchronisation is evident amongst groups of countries, but it is difficult to establish meaningful cycle synchronisation between countries outside these groups. For instance, the cycles of New Zealand and Australia are closely synchronised with the USA cycle rather than with Hong Kong, Korea, Singapore and Taiwan, or with Japan. Average cycle volatility varies markedly across countries, from the lower volatility countries of Japan, USA and Australia, through to the high volatility economies of Hong Kong, Korea, and Singapore. But cycle volatility has also changed markedly over time, and the pattern of change is typically similar between countries that can be grouped in terms of cycle synchronisation. For example, the pattern for New Zealand has resembled the paths evident for USA and Australia. Similarly, Korea, Hong Kong, Singapore and Taiwan have experienced a relatively common pattern of change in volatility, which differs from that for USA, Australia and New Zealand.
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Volume (Year): 32 (1998)
Issue (Month): 2 ()
Pages: 129-159
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subset: commoncrawl


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Students from across the district are today celebrating another year of exam success.
Schools and colleges were open this morning for students to go in to get their A-level results. Here are a selection of photographes from schools in the district.
See the news section of this website for more details about results


text:
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text:
Hi all,
I am booking a trip to Provence on behalf of my parents, and I just had a few questions, mostly to assure me of the planning being OK so far. The trip is planned for June (20-27).
Their plan is to travel down for Paris on the TGV, and stay one night in Avignon. The following day they will pick up a rental before travelling to Aix en Provence, where they will be staying for the next six nights. (They're in fact just outside Aix en Provence, staying here: http://www.lacharlotte-provence.com/ - which received very good reviews). After that they would return to Aix en Provence to TGV back to Paris.
Thus, they are largely staying in one location. I know other people have mentioned perhaps mixing it up by staying in St Remy or other locations, but as they have a car, is it an issue if they stay in the one place? (The accommodation selected receives excellent reviews.)
My second question is - current plan is to higher a mid-size (Mercedes C class); the other alternative is a VW Golf. But I feel given that they'll be doing a fair bit of driving, the C class will be a bit more comfortable. My only question, which I believe has been satisfied somewhat already by other comments, is whether a C Class is too big for the area? Not having been there, I cannot judge, but I assume it would be OK?
Many thanks for your advice, in advance!
(Also, any other tips in terms of must do, should do, locations, restaurants, etc, would be well appreciated )
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Visiting Provence for first time - few questions
Hi all,
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IMO, Aix is not centrally located to explore most of the "main" sites people usually want to visit in Provence. Just like purchasing a house to live in - the 3 top requirements for a vacation "base" are location, location, and location. The Pont du Gard is 1 3/4 hrs from Aix, while it is 1 hr from St Remy. Uzes is 2 hrs from Aux & 1 hr 10 mins from St Remy. The lavender fields around Sault are 2 1/4 hrs from Aix (mostly all ugly freeway driving) and 1 3/4 hrs from St Remy. I think your parents are going to get a little tired of driving over the winding Combe de Lourmarin or on the A7 freeway to get to most places. We love Aix - but the area immediately around it isn't that exciting, IMO, compared to other locations in Provence. We stay near Gordes, Goult, St Remy, Uzes, Vaison, and Bedoin.
A small car was important 20 years ago - but not so much now. There is often mandatory parking outside of the small villages - so you are not tempted to drive IN to the small villages. We usually get a mini-SUV. We've spent 18 weeks vacationing in Provence, & will be there for 2 weeks next year when your parents will be there.
Stu Dudley
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I'm not sure whether the AIX place is a "done deal" or not. If you could cancel it, I would stay the first 4 nights in St Remy, and the next 3 nights near Gordes or Vaison. That will give you much less driving. Gordes is 1 1/4 hrs from Aix if you want to visit Aix as a day trip.
Stu Dudley
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OK, thanks for the car information. We have booked the place but plans can change, probably just lose a small deposit. What would you suggest is a better 'base'?
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Hmm, I wonder so as not to lose the deposit whether it is worthwhile spending at least a couple of nights in Aix and then spending 5 nights elsewhere... that way they can do an easy day trip to Marseille if they want to.
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Take the TGV from Paris to Aix and stay there for a day or two. Then spend the remainder of your time in a more central location. If your parents want to stay in a village with lots of shops, restaurants, cafes, and other English speakers - choose St Remy. If they want to stay in a more countryside location surrounded by vineyards & lavender - try the Luberon (Gordes, Roussillon, Bonnieux, etc). We stay in Gites, so I don't have any B&B recommendations except for Mas Perreal - which is probably already booked for June.
Marseille is not one of my favorite destinations. OK for your 5th visit to Provence - but perhaps not the first.
Stu Dudley
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I agree with Stu's recommendations. Aix is lovely for a night or two - visit Cezanne's atelier for example. But there's so much more in & around St Remy: Les Baux and Carriere des Lumieres nearby, a short drive to Arles, Glanum ruins, Van Gogh hospital, a drive north to Chateauneuf du Papes, or L'Isle sur la Sorgue etc etc, as well as the places Stu suggested. After staying in St Remy, they can drive less than half an hour to Avignon, have a look round there for a few hours, then drop off the car at the TGV station and catch the TGV from there back to Paris.
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Thanks everyone,
I am reconsidering now ... and looking at accommodation around St Remy. As the other accommodation is not available on the first night, and I have paid a deposit, we might look for 5 nights in St Remy, and two nights at Aix. Or otherwise, just forgo the deposit and stay elsewhere in the last two nights.
I will research some of the suggestions in the area, too
Always appreciate Fodorites helpful responses.
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Out of interest, do you think it is worthwhile spending the first night in Avignon, or just go to St Remy straight away (picking up the rental)? They will be on the Eurostar to Avignon (via Paris or Lille), so they might be a bit tired; albeit, probably not ridiculously so.
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The Avignon TGV station is between St Remy & Avignon center - only 20-30 mins from St Remy. I would go to St Remy.
Stu Dudley
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Great, thanks Stu!
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>> we might look for 5 nights in St Remy, and two nights at Aix<<
Their B&B is not in Aix - it is a bit outside and the drive into Aix can be difficult coming from the northeast of Aix. Viamichelin says it is a 20 min drive from the B&B to the Cours Mirabeau in Aix.
I think one night near Aix is enough. Get to Aix mid-morning on the 26th, look around a bit, have lunch & "people watch" on the Cours Mirabeau at "Deux Garcons", look around some more in the afternoon/evening, then have a nice dinner & return to the B&B.
Too bad they won't be staying IN Aix - making this day more restful by not having to leave Aix for the B&B. If they stayed in Aix, they could return the car a day earlier (saving some money) and then take a bus to the TGV station the next day. Thursday the 27th is market day in Aix. They could leave Aix after visiting the market.
Do you have my 27 page Cote d'Azur/Provence itinerary??? I've e sent it to over 3,000 people on Fodors. If you would like a copy, e-mail me at [email protected] & I'll attach a copy to the reply e-mail.
Stu Dudley
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Thanks Stu, I do have your itinerary.
I thought that B&B had quite good reviews; and they didn't necessarily want to stay central there with a car. Basically they want to go to Marseille (their choice), so that seems a bit closer. Also, it does get quite good reviews. They might go to the Luberon from their too.
But it is true - they could stay six nights in St Remy, for example, and then one night in Aix, dropping the car in on that day, then leave Aix in the afternoon to Paris, seeing the market in the morning...
Wish I hadn't booked it now :\
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Every corner of Provence has its charms. It is true that the distance from Aix to the northern Luberon and the lavender fields around Sault is a bit far, but it is not certain that the lavender will be in full bloom by the end of June anyway. It depends on how cool the spring and early summer may be.
The place you have booked in Aix looks quite comfortable and there is a great deal to see in southern Provence, including a few things that aren't on every tourists list but are marvelous.
Marseilles is very lively with a great many new restaurants and bars over the last couple of years (look at last year's New York Times "36 Hours in Marseilles" for a list, there's a hot art scene and many traditional tourist draws, like the amazing Notre Dame de la Garde overlooking the Vieux Port. There is the beautiful village of Cassis sur Mer and the unforgettable walk along the Calanque. There is the Parc Naturel Regionale de Camargue with the ponies and flamingos (although the pink clouds may have drifted south and be gone by June), and it is a short drive to Les Baux, St. Remy and the Saint Paul Asylum where Van Gogh painted some of his most famous work. You could easily spend two days just exploring Aix, the Musee Granet has a terrific permanent collection, the Cezanne Atelier, the Vasarely Foundation, etc etc. etc. (And, of course, shopping.)
So your parents could change hotels/B&Bs -- but I'd opt for ease over scurrying around and confidence that there will be much beauty and fun to fill a week in Aix over fear that you might miss something. St. Remy is lovely, but quite crowded with anglophone tourists in August. The grass is not always plus vert on the other side. I'd stay put.
Bonnes vacances!
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Thank you so much SydRubin.
We might look to see if they can spend the full 7 days in/around St Remy. Even if we lose the deposit, that's OK. Otherwise, we'd mix it up between the two.
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If you cancel this far ahead, most places will return the deposit. I agree with the others, Aix is not really well located to serve as a base.
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I suppose everyone has a different opinion of what a "short drive" is. I usually consider anything less than 30 mins to be a short drive, & I like to see lavender fields, vineyards, sunflowers, mountain gorges, mountain crests, and "cute little villages" along the way. The drive from your gite in St Marc Jaumegard to St Remy/Les Baux is 1 hr 20 mins and practically all autoroute/freeway. The drive to Cassis/Calenques is 1 hr and also almost all autoroute. Driving to Aigues les Morts (Camargue) will take you 2 hrs and quite a bit of Autoroute.
I tell people to get a map of Provence (I use Michelin Map # 113) and use a magic market to put a dot by every site that a "first-timer" with 6 days available might want to visit. That could include:
St Remy & Roman Ruins
Les Baux
Alpillies mountains
Pont du Gard
Upper Luberon & perched villages (put a dot near Roussillon)
Pernes les Fountaines
Carpentras (Friday market)
l'Isle sur la Sorgue (Sunday market)
Mt Ventoux
Vaison lo Romaine
Sault & lavender fields & including Montbrun & Simiane la Rotonde)
Gorges de la Nesque
Les Baronnais (put a dot near Buis les Barronais)
Cote du Rhone winegrowing area (put a dot near Seguret)
Lourmarin & southern Luberon
Orange (maybe)
And then determine which "base" will minimize needless driving to most of these places.
Stu Dudley
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>>use a magic market<<
magic marker
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To me a perfect week for your parents would be 4 nights at B&B Mas Laurent 2 km from the Provencal town of Uzes (prefer over St Remy) and 3 nights at the B&B Mas Perraul near the village of Saint Saturnin in the Luberon.
Actually 7 nights at either would also be wonderful. We stayed at Mas Laurent in June 2013 and Mas Perreaul in July 2011.
Both are run by wonderful hosts: Deborah and Tim at Mas Laurent and Elizabeth and Kevin at Mas Perraul. Both have fantastic breakfasts (different each day), beautiful rooms, great surroundings, etc. Both are English speaking (Australian, American). Both would provide a support system for your parents in planning their daily activities and dinners.
This year we rented a class C Mercedes from Avis via Costco. It is the medium size and was quite comfortable for Provence.
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Hi THR,
I live in St. Remy and plan vacations in Provence for clients from all over the world. If I can help you choose and book a hotel in St. Remy, I'd be happy to. I know them all well. I've noticed hotels are filling up early this year so I'd book soon to get the best choice of rooms. It's lovely that you're doing this for your parents and I'm sure they'll have a wonderful time!
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Piggybacking: on our 3 visits to the area, we've only missed Sault, Gorges de la Nesque, and Marseilles/Calanques on Stu's list. Could you expand on the latter two?
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The Gorges de la Nesque is a scenic gorge that runs southwest from Sault.
Les Calanques is an extremely scenic coastline between Cassis & Cap Croisette, which is just south of Marseille. A Calanque is a small "inlet/bay" along this section of coast. You can catch a boat from Cassis that visits 3, 4, 5, or 6 of these various Calanques. They have names like Calenque d'En-Vau, Calanque de Morgiou. You can also walk along the area above these Calanques - but it is quite dry & sometimes closed in the Summer. We've take the boat trip, but never walked above the Calanques.
The places I listed above are just the well known sites in Provence that a first-timer might want to visit. There are many other equally interesting places that are lesser known - like Brantes, Grignan, Gorges de l'Ardeche, Aven d'Orgnac cave, Vivers, Nyons, Le Poet Laval, Dieulefit, St Montant, Venasque, Castillon du Gard, Tarascon, Forcalquier, Manosque, Orpierre, Oppedette (gorge), Balazuc, Vogue, Labeaume, Ruoms, Rochers (rocks) des Mees. Farther east is Reiz, lavender in Valensole plane, Moustiers Ste Marie, & Grand Canyon du Verdon.
Stu Dudley
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Thanks. Now I must do some more research. (not)groan
How was the boat trip, Stu? Did it seem the same after the first 2 calanques, or was each one unique?
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I've lived near or on the California coast all my life - so I've seen a lot of coastline. We did a "mid-range" tour of the Calanques, and I enjoyed it. Not too repetitious.
Stu Dudley
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Hi again all,
Apologies for my lack of response.
As it happens, we have changed for them to stay in Saint Remy. They will stay the entire seven nights there, and they're quite happy to do so (rather than changing accommodation). That way, it can be relatively peaceful/relaxing, with the various day trips (noting that this trip also encompasses London, Paris, Florence, Rome, so plenty of activities).
I really appreciate all of your help and guidance. And while we did have to forfeit the deposit at the other accommodation, I'd rather do that and have them stay in the ideal location.
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Also, I am reading / researching all of the other wonderful feedback you have all provided now.
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Hi Julie,
We settled on this place in Saint Remy: http://www.tripadvisor.com.au/Hotel_Review-g187256-d2299865-Reviews-Mas_de_la_Croix_d_Arles-Saint_Remy_de_Provence_Bouches_du_Rhone_Provence.html
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We did a total of 20 nights on 2 visits. You can find our reports (referencing larger captioned photo albums) at
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We will be porting in Marseilles (9-5 in port so safely say 9:30-4 to tour) in late May. Can you recommend a few small charming villages that would be great to visit or any other ideas. Can you also recommend a guide.
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This is why I don't do cruises or organized tours.
There are not many "small charming villages" immediately around Marseille (that I know about) - except for Cassis. Perhaps the closest charming village to Marseille is Lourmarin. I would drive there and explore it and some of the other villages nearby. However, if you are "ready to take off" at 9:30, you'll get to Lourmarin and "read to go" around 11. Most shops close for lunch around 12 to 12:30 and don't open again until 2 or 3PM. Not much time for shopping for you - since you'll have to leave the area around 2:30.
Considering this, I would go to Cassis (45 mins away), shop around a bit (not much shopping, according to my wife), have lunch at the port, then return to Marseille and explore that large city until you have to leave. You could, of course, spend all your time in Marseille - but it's not a "small charming village".
I would not go to Cassis unless you'll be there during the summer - May through mid-October.
Stu Dudley
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text:
A north suburban strip club owner who was accused of avoided taxes by hiding $12 million in cash in a warehouse pleaded guilty to the federal tax charges on Friday.
Michael G. Wellek, 63, of Libertyville was charged last month with one count of obstructing the IRS in collection of taxes and one count of filing a false income tax return.
His guilty plea Friday was a plea deal. He'll serve a reduced sentence of about one and a half years in prison. He's already paid the $5.5 million in restitution he owed to the government, the Chicago Tribune reported.
The sentence reduction comes with the stipulation that he provide "truthful testimony in any criminal, civil or administrative proceeding."
Wellek was the owner and operator of three "gentleman's" clubs: Heavenly Bodies in Elk Grove Village, Skybox in Harvey, and Cowboys in Markham.
Seven years ago, IRS agents seized about $12 million in cash -- stored in bags marked with the date and location where earned -- from a warehouse in Elk Grove Village where Wellek conducted business, authorities said.
Prosecutors said Wellek failed to tell the IRS that from 1999 through 2003 that he routinely diverted cash from his businesses to the warehouse.
The charges also alleged that Wellek did not file personal income tax returns from 1989 through 1999 despite operating profitable businesses.


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Pre-Retirees Seek to Prepare for a Harsh New World
The experts agree. Retirement is getting more complicated.
The defined-benefit plan seems headed for the museum. What will Social Security and Medicare provide a decade from now? With people living longer, will their retirement income last?
Soon-to-be retirees may not be prepared for this harsh new world. Authorities consistently stress the importance of planning. But figures from the Employee Benefits Research Institute show only 46% of workers have calculated how much money they will need in retirement and how much they must save to accumulate that amount.
When asked if retirement planning is indeed more difficult today, Scott Albraccio at CUNA Mutual's Executive Benefit Division quickly replied, "By all means."
"You look at what's been going on in the stock market on a daily basis, with ups and downs." he noted. "You need to be more sophisticated in the investment choices you make. Credit union CEOs have a lot of questions. You have to remember the credit union hired the CEO to run the credit union. They're dealing in a different realm of investments–institutional investments with larger sums, shorter durations, things like that.
"[But] we do have a lot more opportunities, especially on the executive side, with the solutions we can make available. It's no longer just the 401(k) you have at the credit union and your personal investments."
The concerns he hears from credit union CEOs, Albraccio said, are those other retirees share. They worry about outliving their income. With longer life expectancy, they may need extended care, an issue not talked about 30 years ago.
Typically, Albraccio tries to benchmark retirement income at 70% of what the CEO was earning before retiring. He also wants to see proper insurance in place that will provide care if the CEO faces a major health issue such as a stroke.
"It all starts off with a gap analysis," he explained. "Each credit union and each CEO is different. Because of the uncertainty in the market and the dip we had in returns in 2008 and 2009, a lot of retirement accounts have been knocked down by 30% to 40%."
"So the executives have had to start preparing to work longer. Ten years ago they may have planned to retire at age 62. That may not be economically feasible for them right now, so they may be looking to retire at 67 or 70. We need to examine that, look at their 401(k). With the laws that are in place, the CEO can't maximize the investment they're making into the 401(k) compared to a teller. It's capped at a certain percentage of their income."
While publicly traded companies can offer stock options, that isn't an option for credit unions. A 457(b) program is one way to fill that gap. It offers the executive the possibility of putting aside $16,500 of his own money to make up the shortfall.
Are credit unions keeping up with the changes that have taken place? Overall, Albraccio said, they recognize the shortfalls and are working to make adjustments.
Jack VanDerhei, research director at the EBRI, agreed that–among other issues–deciding when to retire is no longer a no-brainer. When Social Security and the employer's defined-benefit plan clicked in at 65, that marked retirement age.
"That has changed significantly, primarily because of the shift from defined-benefit to defined-contribution plans," VanDerhei said. "Now, in essence, there is no retirement age. The decision is not quite as simplistic. There is the situation where some people have retired too early without sufficient financial resources. Unfortunately, they find out after they are in their 70s they are not going to have enough money to make it through retirement. At that point it is very, very difficult to get back into the workforce."
VanDerhei said it's difficult to determine whether people are deferring retirement because of the economy. Some may simply want to continue working. Someone in their 40s who declares they will work until they are 70 may change their mind.
What is the biggest mistake people make in their retirement planning?
"There are two groups of people," he said. "The first would be those who are many years away from retirement. For a huge percentage of them, planning would be too optimistic a word. If they have a 401(k) they're probably putting in as much as their employer will match, and that's the extent of their strategy. When it's too late to do much, they eventually sit down and see how much they have and how much they need to have. They realize they're probably going to be far short of what they require to sustain their standard of living in retirement."
"At that point, you get to the individuals who, simply because they've hit 62 or 65, pull the trigger without any calculation or without seeking any professional advice. They go through their account balances, in many cases sustaining the same standard of living they had pre-retirement. Not surprisingly, they get into a situation where they've gone through that money far too quickly."
VanDerhei urges even financial professionals such as credit union executives to seek advice from someone who devotes their career to financial planning. EBRI research shows that workers who have done a retirement needs calculation tend to be considerably more confident than those who have not about their ability to reach their goal, despite the fact that those doing a calculation tend to name higher retirement savings goals.
Andy Sheeter, president of Sheeter Consulting, cites post-retirement health care as a key issue. Very few retirees are in good shape when it comes to paying their medical bills in retirement.
"There are a few lucky ones out there who may have had a spouse who was in the military or worked for the school system," he indicated. "But those are few and far between. The vast majority of people are really on their own."
"The issue with Medicare is you still have to pay for Part B. That costs about $1,200 a year, depending on your tax bracket. It could be as much as $4,800 a year. Medicare Part D, which is your prescription drug coverage, costs about $1,000 a year. A really good supplement is about $3,000 a year."
Sheeter said what he's been able to do for his clients is to implement for the credit union a retirement health care plan that takes care of Medicare premiums without creating a tax obligation.
Isn't post-retirement health care a vanishing benefit?
"It really is," Sheeter agreed. "That goes back to 1991 when new accounting treatment was introduced for post-retirement health care plans. Those plans became extremely costly. Since then we've seen an exodus from post-retirement health care plans that cover all employees. The nice thing about the plans we design is they don't fall under those accounting regulations.
"Usually we're designing a plan for the CEO. In one case we're in the process of putting in place a plan that covers any employee who has 30 years of service with the credit union."
Sheeter expects health care will continue to be an issue. Somebody has to pay for the research and development taking place. He is frequently asked what will happen if there are major changes to Medicare. His response is that no matter what happens to health care, you're ultimately going to have to pay for it.
Some additional EBRI figures underscore Sheeter's concern. Thirty-six percent of current workers expect to receive post-retirement health care insurance, but only 27% of retirees say they are actually receiving such benefits. The institute notes many employers are eliminating health care coverage for future retirees, so those who expect it may be disappointed.
Sheeter has some advice for CEOs approaching retirement. Find ways to create fixed benefits for yourself. Everyone now working is pretty much on their own. They may be putting money in 401(k)s, but those accounts will fluctuate in value. There are supplemental executive retirement plans that will pay a fixed retirement income.
Look for a financial planner who will customize a plan and ask questions such as, "What you want to accomplish?"
Bob Martinez at Platinum Wealth Planners in Tampa finds many clients have a wish list–travel, hobbies and other activities they want to pursue in retirement. They have a pretty good handle on Social Security and their pension income.
"But what I'm running into a lot, like Will Rogers said, it's not what we don't know that's the problem, it's what we know for sure that isn't sure," Martinez said.
"Things don't happen as planned. Assumptions made 10 years ago aren't necessarily correct today. A lot of plans that were made for retirement were made from an optimistic view of things. The times are very dynamic. There are things you can't change. The economy. Inflation. The political situation."
Health and health care costs, he continued, will affect retirement more than any other single factor.
"We should take responsibility for addressing those needs that we can address," Martinez advised. "Make sure you will have income to support your expectations. Take into account the impact of health and longevity. All it takes in one tremendously expensive year during which one has to draw down from an IRA unexpectedly for the entire financial planning exercise to go awry."


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Simmons Mattress Care
This exclusive Simmons® product is built with a single-sided design. This bed does not have to be flipped to maintain warranty. The single-sided design mattress will have a different type of finish on the bottom than the top. To register your Simmons® mattress, please visit http://www.beautyrest.com/register
- Use a new Simmons® foundation or a supportive, rigid, non-yielding foundation. An old foundation unit may not provide sufficient support.
- Support your Simmons® mattress and foundation only with a frame that provides rigid center support as well as support for the head, foot, and sides for queen, split queen, king and California king size sets (as noted above). For any queen or king frame that does not have a metal center support, you must use at least 5 hardwood (i.e., oak or ash) slats (1" x 4") and add legs to the 3 center slats. By not providing a sufficient supportive frame, damage can occur to the product and your warranty will be invalid.*
- Add a solid platform on top of any open slatted mattress support system with openings between the slats that exceed two (2) inches (e.g., a platform bed frame in which a Beautyrest® or BeautySleep® mattress rests directly upon slats with open spaces between the slats). Use of such an open slatted mattress support system with spaces between the slats which exceed two (2) inches (5 centimeters), without the addition of a solid platform will damage your mattress and your warranty will be invalid.
- Use a quilted protector pad on your mattress at all times to avoid stains (including MoistureBan™ products).
- Carton your mattress and carry it on its side when moving.
- If your mattress has a removable cover, use only a professional dry cleaning service to clean the cover.
- If your Simmons® mattress was manufactured on or after July 1, 2007, it meets the requirements of the Federal Flammability Standard, 16 CFR 1633, when your mattress is used alone or with the Simmons® foundation(s) as specified on the 1633 law label (see example of 1633 law label on next panel).
- Do not use an open slatted mattress support system (e.g., a platform bed frame in which your mattress rests directly upon slats with open spaces between the slats) where the openings between the slats are greater than two (2) inches (5 centimeters) as this will damage a Beautyrest® or BeautySleep® mattress. To prevent damage to your mattress if the openings between the slats exceed two (2) inches (5 centimeters), the support system may be modified by applying a solid platform on top of the slat system.
- Do not remove the white law label or the model name label. These labels serve as a means of identification to establish your warranty rights.
- Do not bend or fold, stand or jump on product as damage can occur.
- Do not use cleaning fluids on your mattress; it may damage some of the materials.
- Do not use any type of fabric protection spray or chemical application on this product.
- If your mattress has a removable cover, do not machine wash the removable cover.
- If your mattress has a removable cover, do not remove or wash the inner mattress cover or bottom fabric of removable outer cover.
- If your mattress has a removable cover, do not wash the foam mattress core.
- If you purchased a Simmons® product, including ComforPedic,® that contains one (1) inch or more of AirCool® or NxG® Memory Foam, do not use a heating pad or electric blanket.
- Do not smoke in bed or use open flames near the bed.
* For all adjustable foundations, please see the ownerâÂÂs assembly and operating manual for required support.
Contact your original Simmons® dealer. If your original Simmons dealer is no longer in business or you have moved outside the service area, please contact the Simmons Consumer Service Facility at email@example.com. A copy of original bill of sale is needed to determine original date of purchase. Model name label and law label must be provided to identify the bedding and validate this warranty.
If you purchased a Simmons® mattress and use it with a foundation and frame that provide proper support, this warranty covers manufacturing defects in your Simmons® mattress or foundation. This warranty also covers faults in materials or manufacturing defects in the removable fabric cover available on select models. Replacement of one piece does not automatically result in the replacement of any other piece. This limited warranty is provided only to the original purchaser. Examples of proper support for queen, split queen, king and California king size bedding when the mattress is also supported by a conventional foundation or box spring.
The warranty coverage runs from the original date of purchase. Repair or replacement of the mattress or foundation does not extend its limited warranty or begin a new limited warranty period. Your warranty period is based on the code indicated on your white law label.
If your Simmons® mattress, foundation or removable fabric cover (available on select models) fails due to a manufacturing defect, the exclusive remedy under this warranty will be repair or replacement of the defective product in the U.S., Puerto Rico or U.S. Virgin Islands. Simmons reserves the right to substitute comparable materials or models and does not guarantee that the replacement will match the existing piece.
Your Rights Under State Law:
This warranty gives you specific rights, and you may have other rights, which vary from state to state. his warranty is extended only to the original purchaser from Simmons Bedding Company or its authorized dealers.
This warranty does not apply to and excludes:
- Firmness preference of the product
- Normal body impression(s) as indicated by your warranty code (see chart)*
- Bed height/weight
- Cover (fabric)
- Bent border/grid wires
- Burns, stains or soil
- Mattresses not used with a proper foundation and support system. Examples of proper support include:
- Simmons® foundation or a supportive, rigid non-yielding foundation. The frame supporting queen and king size mattresses and foundations must have sufficient center support
- Slatted platform bed frames where the space between the slats measures two (2) inches (5 cm) or less and which, with a queen or larger size, provide adequate center support
- The appropriate Simmons® adjustable foundation
- Damage due to use of a Beautyrest® or BeautySleep® mattress on a slatted platform bed frame without a solid foundation where the space between the slats exceeds two (2) inches (5 cm)
- Adjustable foundations (see owner's manual for details on warranty coverage)
- For models with removable covers, damage due to improper washing (including snags and discoloration)
- Merchandise sold "as-is", "distressed" or "floor model/sample"
- Claims made outside the 50 United States, Puerto Rico or U.S. Virgin Islands
- Transportation, inspection, or removal costs of product
- Simmons® product that is stained, soiled, or infested with vermin, even if defective
* Please note that due to use of higher density foams and/or the use of memory foam technology in some models, the recovery time may take up to 4 hours. However, normal increase in softness or a decrease in the recovery feature due to normal use, temperature, or humidity is excluded under this warranty. The duration of any applicable implied warranties, including but not limited to the implied warranties of merchantability and fitness, shall not exceed the term of this limited warranty.
** Simmons shall not be liable for incidental or consequential damages that result from the use of your Simmons ® product.
*** No expressed or implied warranties are extended to persons who purchase the prod uct from anyone other than Simmons Bedding Company or its authorized dealers, and all warranties to such persons, including the implied warranties of merchantability and fitness, are here by excluded.
** Some states do not allow limitations on how long an implied warranty lasts, so the above limitations may not apply to you.
*** Some states do not allow the exclusion or limitation of incidental or consequential damages, so the above limitations and exclusions may not apply to you
For warranty assistance or other product correspondence, please contact your Authorized Dealer, or the below:
One Concourse Parkway, Suite 800
Atlanta, GA 30328
toll-free (877) 399-9397 fax (770) 613-8575


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Product Description Shop Confidence Shipping & Return
Jimmy Choo Suave Ivory Satin Sandals- Sale
Jimmy Choo has developed into a very comprehensive lifestyle brand distinguished. Jimmy Choo Women's shoes series is still the core product.
Other jimmy choo shoes You Might Like
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Jimmy Choo Vita Fabric Peep Toe Sling Back Sandals Champagne
£396.00 £92.16Save: 77% off


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Clean Up Your Engine's Act With Moroso's Billet Air-Oil Separators
Just as the name implies, Air-Oil Separators are plumbed directly into the your vehicle's PCV (positive crankcase ventilation) system to capture any and all excess crankcase vapors and the residual oil mist from re-entering the intake tract. This is of particular issue as factory vehicles are commonly set up to vent these excess vapors and oil back into the intake manifold, leading to detonation and the forming of oil deposits in the intake and valve areas. In addition, any ethanol-enriched petroleum fuels that you may use exert more moisture during the combustion process – moisture that an Air-Oil Separator can collect.
Certainly, if your goal is high performance and reliability, this is something worth addressing, and one of the industry's premier manufacturers of such products is Connecticut-based Moroso Performance Products, which maintains a number of Air-Oil Separators in their product catalog for a range of vehicles.
Among the offerings from Moroso includes Universal Small Body, Universal and custom fit Large Body, custom fit Small Body, and Universal units for use with vacuum pumps for a laundry list of vehicle makes and models, including production V-6 and GT Mustangs, Roush Mustangs, late model Camaros, 5.7L Dodge trucks, and more.
These units feature attractive-looking billet aluminum bodies in raw or black anodized finishes and come supplied with inlet and outlet fittings and plenty of rubber hose to plumb into your PCV system. the necessary hardware and brackets are also included as part of the kit.
The number of different options are more than we could feasibly highlight here, so be sure to click over to Moroso's Air-Oil Separator product page to learn more about the specific unit catered to your vehicle.
For more information on Moroso Performance Products and their industry-renowned lineup of hardcore racing and high performance street products that number in the hundreds, to request a catalog, or to locate a nearby Moroso dealer, log on to moroso.com.


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Niemann hopeful of returning to mound this year
Niemann hopeful of returning to mound this year
Niemann has endured bad luck for almost all of 2012, beginning with a fractured lower right leg in May that sidelined him for 3 1/2 months.
In his first start off the disabled list, Niemann hurt himself again in the fourth inning of a Sept. 1 game against the Blue Jays, sustaining a strained right rotator cuff.
"Everything felt good," Niemann said about Friday's throwing session. "It's a starting place for us, and we're going to keep going from here."
Niemann said the plan in the short term was to play catch every other day then eventually every day, but he did not know when he would be able to throw off the mound.
"That's still up in the air," Niemann said about taking the mound. "We're doing everything we can every day to get as much in as we can to get to that point."
With two weeks left in the season and Tampa Bay's playoff hopes still hanging in the balance, Niemann said he's still holding out hope to pitch again this season.
"Cram it in, we've done it before," Niemann said. "We're just going to keep doing what we do and let the chips fall where they may in about two weeks."


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Artist description:
hehe..out of ideas and wanted to draw something...so i just drew i-pod
Flash Draw Created Feb 12, 2008 470 x 338px Unless noted Copyright 2008 miruna23.
We encourage you to submit a comment and let the artist know what you think of this drawing. Please log in or join to post a comment.
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OMG OMG! I luv pink 2!=) best colour in the world!=) is this your i pod? 10 btw!
the thumbnail looked like a pink notebook lol didnt realize it was an ipond til now ;D
It looks so fluffy. Great draw.
hi miruna!!! GREAT DRAWING!!! (yay ipod!)
Good illustration. ^^
desenezi soooper
love ipod. pinks cool too :)
I ♡ pink, too! :)


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This Jimmy Kimmel video made the rounds this week when his show stumped a few civilians on the street by asking them to explain what gluten is. But Kimmel's best line just might have been: "People are very anti-gluten, which bothers me because I'm very pro-pizza — and you can't be pro-pizza and anti-gluten."
Well, it turns out you actually can be — once you have a great gluten-free pizza dough. At Food Network Kitchen, we ate A LOT of gluten-free pizzas for research purposes before we developed our own gluten-free dough. From frozen to pizzeria-fresh, we tried everything we could get our hands on. Truth be told, most were disappointingly tough and gummy. Where was that chewy pull from the crust? After lots of conversation (and chewing), we realized that we were unfairly comparing gluten-free pizza dough to regular pizza dough. They are like apples and oranges. So we adjusted our expectations and found a few gluten-free pizzas that were good — and even some that were more than good.
A review of existing gluten-free pizza dough recipes turned up some off-the-wall ingredients, like xantham gum and psyllium powder, which are familiar to avid gluten-free cooks but can be …read more


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Mooer Bass Sweeper Dynamic Envelope Filter Pedal
A dynamic envelope filter pedal for both bass and guitar that gives you unique funky filter tones. Has a clean/fuzz sweeping switch to tailor you tone to the way you want it.
- Dynamic envelope filter pedal for both bass and guitar
- Unique Funky style filter tone, Clean and Fuzz sweeping switch
- Full metal shell
- Very small and exquisite
- True bypass
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Orders of items that are in stock placed before 2:00pm weekdays will be dispatched same day, weekend orders will ship Monday, all on a next working day service. If you need your item delivered on a specific day, you can leave a comment in the box at the checkout and we'll take it from there. Please note items shipping from our Aberdeen store may require a 2 day shipping service.
Once your order has been arranged for collection with our courier (DPD), you'll receive a tracking number and you'll also receive a one hour delivery window for when your shipment will arrive, no more waiting in all day.
Our stock system works in such a way that as soon as something is sold in store, it is no longer available online. You can buy with confidence knowing that your purchase is yours.
We know that sometimes making sure you're in for a delivery can be a pain, so you can specify a different shipping address at the checkout (just make sure your billing address matches your payment card!).
If you have simply changed your mind and wish to return your item, let us know within 14 days and we'll arrange the return and refund with you. All returns are subject to Kenny's Music returns policy.
If you have any questions relating to your order or anything in general, give us a call on 01383 733353, or get in touch using our contact form


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A Cleveland man was busted for littering after he dropped a $1 bill on the ground.
John Davis said he stretched his arm out his car window to hand some money to a wheelchair-bound panhandler at a highway exit ramp, reports Fox 8. Davis said he felt for the man, who was holding a sign that read, "Jesus loves you. Please help."
"Obviously he's needing some money or he wouldn't be out there," he told the news outlet.
He rolled up some bills lengthwise and held them out. One of the bills fell to the ground, and the indigent man picked it up.
A short time later, a cop pulled Davis over and ticketed him for the offence of "Throw paper out window," and in parenthesis, "money to panhandler," the report said.
The combined fine and court costs could tally $500, and the would-be good Samaritan told Fox 8 he plans to challenge the ticket in court.


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Teddy Bear roundup Dec. 1
On Saturday, Dec. 1, the UW-River Falls Athletic Department will host a Teddy Bear Roundup at four home events.
Fans are encouraged to bring new teddy bears to donate at each event. All teddy bears and will go to the River Falls Area Hospital (RFAH) emergency room and birth center.
The day begins with the women's hockey team hosting UW-Stevens Point at 2:05 p.m. Next the Falcon men's basketball team opens WIAC play hosting UW-Platteville at 3 p.m. The women's basketball team will also open WIAC play against UW-Platteville at 5 p.m. And, to top the day off, the men's hockey team hosts UW-Superior at 7:05 p.m. Both hockey games are at Hunt Arena and the basketball games are at the Karges Center.
There will be collection sites near the doors at each venue.
"This is an opportunity for our fans and Falcon Athletics to work together and hopefully help make a child's stay in an emergency room a little easier, and for a newborn to have a first teddy bear," UWRF sports information director Jim Thies said. "We ask all of our fans to help us collect as many teddy bears as possible on Dec. 1."
"For an injured or ill child, visiting the emergency department can be a frightening and unfamiliar experience," said Karen Swenson, who is the patient care manager at the RFAH emergency department. "Thanks to the support of the Falcon Athletics and their committed fans, the children in our community will receive a special teddy bear during their visit. This gift of kindness will provide comfort, strength, and security to our young patients during a difficult time. Thank you for your generosity and thoughtfulness."
"We appreciate Falcon Athletics and Falcon fans for considering the hospital for this donation," said Julie McGary who is the nurse manager at the RFAH birth center. "The birth of a newborn is such an exciting event. Presenting a teddy bear to the new parents will commemorate the day in a special way. Thanks to everyone who helped furnish these gifts for our birth center."


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Davis is very lin-esque with his 6 TOs.
Printable View
Davis is very lin-esque with his 6 TOs.
How about we bring some positivity guys :boohoo:
Alright, here he comes. What you got for us Woodson?
come on Novak get your pride back ...
the only thing keeping the knicks in this right now is the bucks
Damnit Dunleavy ...
At least we're getting to the ft line. Thats a good thing. :gony:
Thank you Tyson
Tyson Chandler = MVP
Great hustle keeping us alive.
chandler is a beast !!!!!
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If Melo can drive the paint like that and Chandler keep doan his thing... no way we can lose.


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Belated Evidence-A A +A
Labor case Digest
Friday, August 15, 2014
PETITIONER Wilgen Loon and 26 others filed complaints for illegal dismissal and money claims against respondents Power Master, Inc., Tri-C General Services, and spouses Homer and Carina Alumisin. The respondents did not participate in the proceedings before the labor arbiter (LA) except last April 19, 2001 and May 21, 2001 when Romulo Pacia Jr. appeared on the respondents' behalf. The respondents' counsel also appeared in a preliminary mandatory conference last July 5, 2001. However, they neither filed any position paper nor proffered evidence in their defense.They insisted that they were not personally served with summons and other processes. Thus, the LA did not acquire jurisdiction over their persons.
In their memorandum on appeal to the National Labor Relations Commission (NLRC), the respondents attached photocopied and computerized copies of payroll sheets. In their supplemental appeal, they also attached automated teller machine (ATM) cards and evidence showing that the petitioners were dismissed for cause and have been accorded due process.
The NLRC admitted the evidence adduced by the respondents on the ground that they had been deprived of due process. The Court of Appeals (CA) ruled that the NLRC did not commit grave abuse of discretion. Did the CA err?
The Supreme Court (Second Division) ruling: Yes.
The CA grossly erred in ruling that the NLRC did not commit grave abuse of discretion in arbitrarily admitting and giving weight to the respondents' evidence for the first time on appeal.
We cannot accept the respondents' cavalier attitude in blatantly disregarding the NLRC Rules of Procedure. The CA gravely erred when it overlooked that the NLRC blindly admitted and arbitrarily gave probative value to the respondents' evidence despite their failure to adequately explain their delay in the submission of evidence. Notably, the respondents' delay was anchored on their assertion that they were oblivious of the proceedings before the LA. However, the respondents did not dispute the LA's finding that Pacia appeared on their behalf last April 19, 2001 and May 21, 2001. The respondents also failed to contest the petitioners' assertion that the respondents' counsel appeared in a preliminary mandatory conference last July 5, 2001.
Indeed, the NLRC capriciously and whimsically admitted and gave weight to the respondents' evidence despite its finding that they voluntarily appeared in the compulsory arbitration proceedings. The NLRC blatantly disregarded the fact that the respondents voluntarily opted not to participate, to adduce evidence in their defense and to file a position paper despite their knowledge of the pendency of the proceedings before the LA. The respondents were also grossly negligent in not informing the LA of the specific building unit where the respondents were conducting their business and their counsel's address despite their knowledge of their non-receipt of the processes (Wilgen Loon, et. al. vs. Power Master, Inc., Tri-C General Services, and spouses Homer and Carina Alumisin, G.R. No. 189404, Dec. 11, 2013).
Published in the Sun.Star Cebu newspaper on August 16, 2014.
Forum rules: Do not use obscenity. Some words have been banned. Stick to the topic. Do not veer away from the discussion. Be coherent and respectful. Do not shout or use CAPITAL LETTERS!


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This site has both a research and a related educational component. The research component is focused on reduced basis (RB) approximation and a posteriori error estimation for rapid and reliable solution of parametrized Partial Differential Equations (µPDEs) in the many-query and real-time contexts. The educational component is focused on application of the RB methodology to illustrative "worked problems" in continuum mechanics and transport — steady and time-dependent heat transfer, solid mechanics, acoustics, and fluid mechanics.
The research component provides a general methodology for the rapid certified solution of parametrized partial differential equations in the many-query and real-time contexts. The key ingredients are reduced basis approximations over a "parametric manifold;" rigorous a posteriori error bounds for the outputs of interest; and Offline-Online computational decomposition strategies. The integration of these three components (in conjunction with effective sampling procedures) yields a technique that guarantees the high accuracy of a refined Finite Element (FE) model but at the very low Online cost of a reduced order model. The methodology has many applications in computational engineering: parameter estimation, inverse problems, and detection; embedded diagnostics and health monitoring; adaptive design, mission planning, and optimization; and real-time optimal control.
The educational component is realized in the application of the general methodology to particular engineering "worked problems" in continuum mechanics and transport. Despite years of promise, numerical simulations often remain either too unreliable or too slow to serve educational needs: our goal is to ensure both finite element fidelity and real-time (typically, Online millisecond) response. The pedagogical possibilities are interactive in-class visualizations and parametric exploration, assessment of classical engineering approximations (from thermal fins to structural beams to acoustic waveguides to fluidic elements), and incorporation of simulation and more realistic models in homework assignments and design projects.
The Website is intended for "Developers," "Users," and "End-Users."
"Developers" numerical analysts and computational tool-builders interested in further investigation, extension, and improvement of reduced basis methods and associated a posteriori error estimators are directed to the methodology page: primary resource is the Technical Papers and Book (in progress); secondary resource is the rbMIT © MIT Software package (in progress) which implements in Matlab® all the general RB algorithms. For "Developers," the rbMIT package can serve as a platform for numerical tests and methodological extensions; we provide the full Matlab® source code for all our RB software.
"Users" computational engineers and educators interested in the application of the RB methodology to new problems are also directed to the methodology page: primary resource is the rbMIT © MIT Software package (in progress) which implements in Matlab® all the general RB algorithms; secondary resource is the Book (in progress) which also serves as documentation for the rbMIT software. For any new problem of interest, the rbMIT software permits quick and "automatic" (i) application of RB Offline tools, for (ii) generation of RB Offline/Online datasets, and finally (iii) real-time exercise of the RB Online RB Evaluator. Some but not extensive knowledge of both FE methods and RB methods is required of the "User."
"End Users" students/teachers of engineering, in particular mechanical engineering interested in visualizing the fields of continuum mechanics and transport, assessing the validity of various engineering approximations, and integrating more advanced models into characterization, design, and optimization projects are directed to the Worked Problems page. For each worked problem — defined by governing equation, parameter domain, and outputs of interest we provide the RB Online datasets to which the real-time RB Online Evaluator (of the rbMIT © MIT package) can then be directly applied (either through our Webserver or downloaded to the End-User's site). No knowledge of either FE methods or RB methods is required of the "End-User."
We acknowledge our many former and current collaborators and sponsors as cited in the Technical Papers and Book acknowledgements.


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After a successful test sale in a handful of selected shops in Europe and Japan in the midst of the financial recession, Techrider has now started full scale production of our series of high-end super flexible inspirational snowboard figures. The Terje Haakonsen Signature Figure is now available to US & Canadian consumers (and
shops) through www.techriderstore.com.
Several more signature figures will follow. Tadashi Fuse's figure is expected to start shipping late December, while Travis Rice's figure is expected to start shipping at the end of January 2011. During the 2011 tradeshows in Denver (SIA) and Munich (ISPO), we will be presenting our complete 2011 line-up which will include Signature Figures of: Terje Haakonsen, Tadashi Fuse, Travis Rice, Nicolas Müller, Mads Jonsson, Romain De Marchi, JP Solberg + a few more – soon to be announced – snowboard wizards.


text: [ Jimi Hendrix Named "Greatest Rock Star Ever" By Kerrang! Readers By Todd Lyons July 18, 2012 The title of "Greatest Rock Star Ever" is certainly debatable, but the readers of heavy metal mag Kerrang! have made their choice. Check their Top 20 after the jump Read More Category: List, Music Tags: jimi hendrix, kerrang Send to a friend! Share on Facebook Share on Twitter Pin it! Reddit This! Share on Tumblr!


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Dear Sir or Madam,
I'm having a problem when translating a story to English.
I'm trying to find a phrase to insult someone who is cruel and inhumane.
If I translate word-by-word, it will be "you inhumane, immoral!" - but it sounds unnatural and doesn't express all the anger and bitterness of the speaker.
I'd be grateful if you could suggest some phrases like that. Thank you.


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Back to Calculation Tips & Tricks
Squaring Numbers
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See the pattern?
Remember to multiply and add left to right in easily handled increments. Then you be giving these product with ease.
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The Glacier Bay Aragon Drop-In-Bathroom Sink in Bone is constructed of grade-A, vitreous China and has transitional lines that complement any vanity top. This round drop-in sink includes 4 in. centers, while the protection of its single front overflow is increased by the self-rimming design. This is a well-crafted sink with a quick and effective installation that requires minimal effort and materials. Coordinates well with the Aragon Collection.
- High quality, grade-A vitreous china
- Traditional, round shape drops-in easily to most any vanity top
- Pre-drilled, 4 in. center-set faucet hole spacing
- Front overflow helps prevent water from spilling over
- Overall dimensions: 19 in. W x 19 in. D x 7-7/8 in. H
- Faucet not included
- Limited lifetime warranty


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Interact with the rainforest online
School and Teacher Registration
Please use the form below to register your School and Teacher Champions for the 2018 Schools Essay Competition and Debate and/or Schools Sustainability Challenge.
Whether your School wishes to participate in the Essay Competition or Sustainability Challenge or both, a registered Teacher Champion will play a pivotal role as your School's representative throughout the contest period.
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Artist description:
quick one..
Flash Draw Created Jun 05, 2011 640 x 460px Unless noted Copyright 2011 HOMILUIS.
We encourage you to submit a comment and let the artist know what you think of this drawing. Please log in or join to post a comment.
Post a comment
i like colorful planets! 5/5 Thank you for your comments! :)
Awesome quickie! 5H :)
A marvelous, colorful galaxy. I like it! :) 5 ♥s
Oooooo NICE one!!! Happy Drawing Day to you!!!! :-)


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The 29-year-old Woodbridge resident typically works as a baggage-screening officer for the Transportation Security Administration but has spent the last month working in New York helping Superstorm Sandy victims 12 hours a day, six days a week, deployed with a special Federal Emergency Management Agency team.
What is your normal job at Reagan National Airport?
I'm the guy who leaves the little love notes when we go through your bag.
I understand you took something special to New York with you from your 7-year-old son.
He ended up giving me half of his Halloween candy to give to some of the kids up here that weren't able to do Halloween. ... It was so cool to see how even a little gesture like giving a kid a piece of candy just brightened them up, made them feel human, made them feel like a kid again.
What are you seeing there?
In a lot of these areas, the water was up almost 7 or 8 feet, so the entire home is washed out. ... There were houses where you'd knock on the door, they'd open up the door and we're looking at the back wall. There is no drywall. You're looking at studs the whole way. They are brown and they have the black mold growing on them. Their entire house is lifted off the foundation and boom. Another area, there was nothing there. It was a vacant lot. The floodwater came in and demolished the property and washed it away. There wasn't even a rubble pile to show there was a house there.
What's it going to be like to go back to your regular job?
I doubt I will be complaining about more working conditions. ... Keeping the airways safe and the ground transportation safe is vitally important. ... But being up here and going through and helping these people get some money and get their lives back in order, it feels more like I am making a difference.


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Customer Reviews
Great class! Really enjoyed it.
Catrina D. · April 7, 2016
Great for a beginner to learn about simplified wine pairing. Very informative!
Jennifer B. · August 20, 2015
What You'll Get
The Deal
- $19 for online wine pairing class (a $59 value)
Don't know a Pinot Noir from a Reisling? Learn the different variations of wine, including each wine's characteristics, and how to properly pronounce their names. You'll gain knowledge of all the different wines that exist, the theory behind wine pairing, and practical examples of when to apply the skill of pairing them with food.
The Fine Print
Promotional value expires 180 days after purchase. Amount paid never expires. Online only. Registration required. Merchant is solely responsible to purchasers for the care and quality of the advertised goods and services.


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Here we provide Ninja Hero Run V 3 for Android 2.3.2+ * Ninja Hero Run *
– Excellent graphics with a highly polished interface
– Fantastic 3D environment!
– Ninja Hero Run is 100% Free Game (Not Include In-App Purchase)
– Cute Game Character
– You can get all of the characters without any purchase through the game
– There are many obstacles and height object and Moving Car!!!
– Amazing 18 Level stage of instant fun! (of course Include endless mode)
– Multiple Item help you on race!
– Share your best score on Google leader board
– Ninja Hero Run have essential elements for Run Game
if there is any problem please let us know. Write your problem in comment box below.
Editors Notes:
Very interesting game, I can spend a whole day to play, it is worth downloading, it is strongly recommended.
bug fixes
Date: 2016-11-03
What's new: bug fixes
Date: 2016-11-03
What's new: bug fixes


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Rihanna announced her collaboration with MAC Cosmetics back in February, at which point, the singer said the plan for four collections to roll out throughout the year was "a no-brainer."
"When you think of makeup, the brand that pops into your mind — for something legit — is MAC," Rihanna told WWD at the time. "Whatever color you want, it's like 'Let's go to MAC.' I've been using MAC on tour for such a long time it was a natural fit for me. I have always loved makeup, and I always said that if I do it, I want to do it with a credible brand."
Her first product, a lipstick called RiRi Woo, was inspired by her favorite MAC red. It launched in May and coincided with her Diamonds Tour, where MAC opened a pop-up store for fans to preview her line. And it seemed to work – the lipstick sold out online in three hours.
Now, those who were unable to purchase her previous shade are in luck. Along with RiRi Woo, Rihanna is releasing two more matte lipstick shades: berry Heaux and violet RiRi Boy. Also added to the new collection, dubbed RiRi ♥ MAC Summer, are the Hibiscus Kiss Powder Blush Duo and the Barbados Girl Lustre Drops. They will be sold exclusively online at MAC starting June 20.
A recent lawsuit at a MAC store isn't slowing down the singer's shipment, either. It was reported last month that a Harlem woman is suing MAC after she says she contracted herpes from Rihanna's RiRi Woo, in the hopes of improving the retailers' sanitary practices. "This is going to happen over and over again if nothing is done," she said.
Makeup isn't the only extracurricular Rihanna's been getting into lately. Last month, she debuted her summer clothing collection in a video. In her behind-the-scenes video, she explained why she created her second collection. The singer admitted that she wanted to create something to suit all her needs, from her sexy days to her "fat days." The summer clothing collection is available from River Island starting on May 25.


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The House Appropriations Committee recently agreed to list all pork projects and their sponsors in the House appropriations bills. For years, lawmakers have maintained that projects are distributed purely on merit, rather than because of political considerations such as campaign contributions and committee assignments. However, the first two appropriations bills--Interior/Environment and Financial Services/General Government--reveal that the amount of pork-barrel spending a community receives is heavily dependent on whether its Representative serves on the House Appropriations Committee.
Interior/Environment Appropriations
Members of House Representatives received 246 pork projects totaling $131 million in the House Interior/Environment Bill.[1] Even though the 66 members of the Appropriations Committee account for just 15 percent of the total House membership, they received 46 percent of the pork projects (113), and 51 percent of pork dollars ($66.8 million).
Nine lawmakers received at least four earmarks each. Every one of them is a member of the House Appropriations Committee. The chairman of the subcommittee that wrote the Interior/Environment Bill, Representative Norman Dicks (D-WA), received the most earmarks in that bill--six. Subcommittee Vice-Chairman Jim Moran (D-VA) and Ranking Member Todd Tiahrt (R-KS) followed, with five earmarks each. Four earmarks apiece went to Representative Virgil Goode (R-VA), Nita Lowey (D-NY), Alan Mollohan (D-WV), John Murtha (D-PA), John Olver (D-MA), and Tom Udall (D-NM)--all appropriators.
Financial Services/General Government Appropriations
The distribution of pork in the Financial Services/General Government Appropriations Bill was also tilted toward appropriators, although less so than in the Interior/Environment Bill. Members of the House Representatives received 197 pork projects worth $41 million. Accounting for only 15 percent of total House membership, appropriators brought home 36 percent (63) of the pork projects and 39 percent ($15.8 million) of pork dollars.
Four of the six lawmakers who received at least three pork projects serve on the Appropriations Committee: Representatives Ralph Regula (R-OH) and James T. Walsh (R-NY) have four projects each; Representatives Rodney Alexander (R-LA) and Dennis Rehberg (R-MT) collected three projects each. Among non-appropriators, Representative Elijah Cummings (D-MD) received three projects and Delegate Eleanor Holmes Norton (D-DC) received five.
If lawmakers know best where government grants should be distributed (as appropriators often contend), it is noteworthy that so many recipients of earmarked grants live in the districts of the most powerful members of the House Appropriations Committee.
Pork Is Not a Congressional Duty
In the past, Congress created grant programs and either distributed the money to state and local governments by formula or instructed federal agencies to distribute the grants through a merit-based application process. Today, Congress actually determines, within legislation, who will receive government grants by "earmarking" grant money to specific recipients. Earmarks are also known as pork projects.
Lawmakers often assert that distributing pork projects is a central Congressional duty protected by the U.S. Constitution. Indeed, Article 1, Section 8 of the Constitution gives Congress almost unlimited power to appropriate, and this includes pork. But mere constitutionality does not make pork-barrel spending good public policy.
While pork projects have long existed, the recent explosion in pork-barrel spending is unprecedented. Between 1996 and 2005, the number of annual pork projects in appropriations bills skyrocketed from 958 to 13,997--at an annual cost of $27 billion--before dropping by half during last year's pork moratorium. Additionally, between 1982 and 2005, the number of pork projects in the six-year highway authorization bills surged from 10 to 6,371 (including the infamous "Bridge to Nowhere"). No Congressional tradition exists for the levels of pork-barrel spending seen in the past few years.
Does Congress Know Best?
Lawmakers also defend pork projects by asserting that they know best how to distribute government grants in their districts. In theory, that may be so. In practice, that argument ignores two realities.
First, investigations have linked pork projects to campaign contributions and even bribes. Former Representative Randy "Duke" Cunningham (R-CA) is currently serving an eight-year prison term for accepting bribes in return for pork projects. Additionally, as shown above, the amount of pork a district receives depends heavily on whether its Representative serves on the Appropriations Committee. This suggests that factors other than merit are influencing pork-barrel spending.
Second, lawmakers' focus on pork raises a larger concern about the role of the federal government. Members of the U.S. Congress--a national legislature that has historically debated war, Americans' rights, and broad economic policy--have become, in the words of Representative Dan Lungren (R-CA), "mere errand boys for local government and constituents."[2]
Last year, Congress failed to address the looming tidal wave of Social Security and Medicare spending but did decide that State Street in Madison, Wisconsin, could use some upgrades. Congress did not pass immigration legislation, but it did decide that the public swimming pool in Banning, California, could use another $500,000 in renovations. Vital national issues go ignored by lawmakers who are instead focused on whether a certain intersection in Westchester County, New York, needs a traffic light.
Tending to such matters is why state and local governments exist. Perhaps Congress does not believe that local governments can handle the job. Former House Speaker Dennis Hastert (R-IL) endorsed congressional pork by asking rhetorically, "Who knows best where to put a bridge or a highway or a red light in their district?"[3] Not mayors or city councils, apparently.
True, some earmarked dollars do fund meritorious projects. But if project recipients are as worthy as lawmakers assert, then they should compete favorably for federal grants from the agencies and local governments that traditionally distribute them. Often times, only the projects that cannot compete on merit need lawmakers to step in, rewrite the rules, and carve out a grant for them.
How Pork Expands Government
In addition to misallocating resources and diverting Congress's attention away from vital national issues, pork increases the size of government. The reasoning is similar to the "broken windows" theory that small crimes such as graffiti create a mindset of social breakdown and disrespect for the law that ultimately leads to more serious crimes. With pork, a few small projects create a mindset of using federal spending to buy popularity, which ultimately leads to massive expansion of the federal government.
Specifically, lawmakers who come to Washington to scale back government quickly get hooked on pork by their senior colleagues, who assert that re-elections are won through the massive campaign contributions and "bring home the bacon" press releases that pork provides. If pork projects impress voters back home, then logically an expensive farm bill would buy rural votes, and a Medicare drug benefit would buy senior votes. It is no accident that total federal spending has also surged along with pork-barrel spending over the past decade.
Even pork-seeking lawmakers who are otherwise committed to fiscal responsibility surrender their independence to vote against runaway spending. The authors of legislation often incorporate only the pork projects of lawmakers who commit to voting for the entire spending bill (which makes pork a key way for senior lawmakers to influence the votes of their junior colleagues). Consequently, lawmakers vote for massive, wasteful spending bills simply to guarantee a single project in their districts. For example, the notorious, pork-laden 2005 highway bill that included the "Bridge to Nowhere" passed the House by an overwhelming 412 to 8 margin. Only a handful of lawmakers resist earmarks.
In the end, lawmakers' focus on wasteful and self-serving pork projects makes taxpayers lose faith in Congress's ability to solve the vital issues of the day. After all, if lawmakers cannot be trusted to spend government grants well, how can they be trusted to reform Social Security and Medicare?
The recent transparency rules, agreed to by House Appropriations Committee Chairman David Obey (D-WI), have provided a window into how Congress allocates pork projects.[4] While Congress claims to distribute pork projects by merit, the first two appropriations bills suggest that committee assignments are the more important factor. Eliminating pork projects, and instead allowing federal agencies and local governments to distribute government grants based on merit, would better ensure that grants go to the most worthy recipients.
Brian M. Riedl is Grover M. Hermann Fellow in Federal Budgetary Affairs in the Thomas A. Roe Institute for Economic Policy Studies at The Heritage Foundation. Michael Lumley, a Heritage Foundation intern, contributed to this paper.


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My Nonprofit Reviews
Review for Hope Medical Clinic, Inc., Ypsilanti, MI, USA
As a volunteer at Hope clinic I have been thoroughly impressed by the level of caring, empathic and professional individuals who make up this wonderful place. As it is appropriately named, 'Hope', I have had the privilige of seeing first hand exactly that offered to the clients here. Grace and dignity are only the starting point where first rate medical, dental and many other resources are available.
More Feedback
Would you volunteer for this group again?
For the time you spent, how much of an impact did you feel your work or activity had?
Did the organization use your time wisely?
Very Well
Would you recommend this group to a friend?
When was your last experience with this nonprofit?


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DUNEDIN, Fla. Brett Cecil looked relaxed, confident and controlled in his crisp five innings of work Monday in a minor-league game against the Philadelphia Phillies Class-A team.
Those attributes were the hallmark of former Yankees lefty Andy Pettitte and that is the type of pitcher that pitching coach Bruce Walton believes Cecil can become.
I think hes doing it right now, Walton said. This is his fourth game and I think you see good command and good control of his game. Thats the next step for Cecil, controlling the game, kind of like a Pettitte, how he controlled that whole gamut and I think you see Cecil doing it already in spring training.
Walton said he saw flashes of that trait in Cecil last season
He started getting it and he just got better and better every time out, Walton said. Every once in a while wed go south in some innings that caused us problems first and second and nobody out and hed try to power through it rather than pitch through it. Now were at that point where were one pitch at a time, even if were in trouble, second and third and nobody out, we just make pitches and thats what Cecils done all spring training.
Cecil got his work in a minor-league game as the Jays had the day off but the Jays want him to keep to his regular schedule of starting every fifth day. Although it was Class-A, Walton believes it was ben eficial.
Were just climbing up to 80 pitches, five innings and he took it very seriously and got some good work in, Walton said. He got a lot out of this today. He got his pitch count up where we needed to get to and we worked on some pitches. We worked on some back door sinkers to left-handers and did some things we normally wouldnt do in the other game (regular spring training game). We have that opportunity here rather then there.
WOODY RETURNS: Veteran utility infielder Chris Woodward, who played with the Jays from 1999-2004, is back with the organization after being signed to a minor-league deal. Woodward, 34, will likely open the season at triple-A Las Vegas and serve as back up insurance for the big-leage club.
BACK AND FORTH: The Blue Jays couldnt work out a deal with the Tampa Rays for LHP Cesar Cabral, who they claimed on waivers on Saturday, so they put him back on waivers and he was claimed back by the Rays on Monday.


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She Wore a Yellow Ribbon | 1949
A veteran Calvary officer on patrol must protect his commander's wife and a young girl.
Jump to
Argosy Pictures
Capt. Nathan Cutting Brittles is charged with putting down a Cheyenne uprising following the defeat of George Armstrong Custer and the 7th Calvary at the slaughter that was the Battle of the Little Big Horn. He's also protecting the wife of the Fort's commanding officer and her pretty niece, Olivia Dandridge. As the troops fight over Olivia, Brittles must turn a patrol out for blood into a mission of peace in an effort to stop the killing.


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« Ford and Fiat to Partner on New Small Cars in Europe | Main | Volvo Introduces New Euro-4, Euro-5 Engines and Trucks »
VW Introducing Natural Gas Versions of Touran, Caddy
9 September 2005
|The VW Caddy
Volkswagen is presenting natural gas-powered versions of its successful Touran minivan and Caddy light utility vehicle at the upcoming Frankfurt IAA. VW first showed them as advanced concepts at the AMI event in Leipzig in March 2005, and will put them on sale at the beginning of 2006.
The EcoFuel Touran and EcoFuel Caddy use what Volkswagen calls a quasi-monovalent approach: the vehicles are optimized for operation on natural gas, but they have a small reserve of gasoline. (Monovalent natural gas vehicles run just on gas or with a small emergency reserve of gasoline. Bivalent gas vehicles are designed to use either.)
The EcoFuel versions of the Touran and Caddy use 2.0-liter engines that deliver 80 kW (109 hp) of power, and have driving ranges of 310 kilometers (193 miles), and 430 kilometers (267 miles) respectively.
Both vehicles are Euro-4 compliant. The Touran emits 156 g/km CO2, the Caddy 158 g/km.
Four natural gas tanks are positioned under the floor in the rear end. The Caddy has a capacity of 26 kg, the Touran 18 kg. The gasoline reserve tank has a 15-liter capacity (4 gallons US).
The Touran EcoFuel consumes 5.9 kg of natural gas every 100 kilometers, the Caddy EcoFuel 6.0 kg (about 26 mpgge US).
September 9, 2005 in Europe, Natural Gas | Permalink | Comments (0) | TrackBack (1)
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Raving Rabbids Travel in TimeWii
Buy physical
Raving Rabbids Travel in Time is a hilarious party game where Rabbids travel back in time in a washing machine to the greatest historical moments and mess them up! Play over 20 mini-games with 5 different types of gameplay including flying, dancing, jumping, and pointing games in different historical environments from pre-history to Egypt to King Arthur. You can sabotage your opponents and play seamless online/offline gameplay with up to 4 players. Pick between 30 unique historical costumes, such as Indian, Cowboy, Egyptian, and Musketeer.
- Platform
- Wii
- Release Date
- Nov 21, 2010
- No. of Players
- up to 4 players
- Category
- Adventure
- Publisher
- Ubisoft