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About SuperLife
Smartshares Limited promotes the SuperLife workplace savings scheme, SuperLife invest scheme, the SuperLife KiwiSaver scheme, and the SuperLife UK pension transfer scheme, together we refer to these as "SuperLife". Smartshares Limited is a Member of the NZX Group.
SuperLife provides flexible superannuation, investments and KiwiSaver schemes. It imposes no rules other than those decided by an employer in respect of the employer's superannuation arrangements for its employees, or by the government in respect of KiwiSaver. This maximises flexibility and lets members tailor the options to their needs. The overall arrangements let members invest their retirement savings including KiwiSaver together and receive a combined statement.
SuperLife has the advantages of low fees, flexibility, frequent communication and a structure that helps to provide security and reduce risk. SuperLife empowers individuals to make decisions. SuperLife is the savings vehicle of choice for many New Zealand employers.
Legal stuff
This is not a product disclosure statement for the purpose of the Financial Markets Conduct Act 2013. A product disclosure statement for SuperLife's different schemes are available from SuperLife free of charge. Comments in this booklet are of a general nature only and constitute "class advice". They do not take into account your specific circumstances. If you require personalised financial advice, you should seek advice from an appropriately experienced Authorised Financial Adviser.
In this guide
- Introduction
- How long will I need income?
- What is the right level of income?
- Understanding inflation
- How do I invest my money?
- Managing risks
- Investing in retirement – an example
- SuperLife solutions
- Understanding New Zealand Superannuation
- Retirement expenditure calculation sheet
- Investing in retirement
1. Introduction
As you start to think about "retirement," a number of important financial and lifestyle questions arise:
- What will life in retirement be like?
- How much income will be needed?
- How long (years) will the income have to last?
- Where will the income come from?
- Will you have enough savings?
- Do you plan to live off the investment return and leave the capital to your children, or will you spend both the investment income and the capital over time (or somewhere in between)?
- How do you convert your savings and other investments into income?
- What is the best way to manage your investments in retirement?
Each financial decision involves deciding when you may spend money, how much you may spend and how to invest the money until it is spent. To have confidence that you have enough savings, you first need to have a clear understanding of when and how much you will spend, the level of certainty around this leven of expenditure, and the financial challenges retirement will pose.
But it's not all about the money
This guide focuses on the investment aspects of retirement to support your desired lifestyle. However, you should also think about the other financial aspects and the non-financial aspects, as money and investments are not everything.
As part of your retirement planning, it is also a good time to review your lifestyle choices including where you will live. Also, you should review your will, your enduring power of attorney and any family trust arrangements you have, along with your insurances.
If you are under 65 and not in KiwiSaver, you should think about joining. Once you turn 65, you cannot join. Because of the presence of the government subsidies, it still makes it worthwhile even if you are only in for a few years (the minimum is five years).
By joining, the government pays for each $2 you save each year (if you are 18 or older), $1 (up to $521 a year) until you reach your KiwiSaver Retirement Age.
If you are not an employee you can save what you choose and when you choose. If you are an employee, you must save a minimum of 3% of your salary/wages and your employer subsidises your savings.
For eligible New Zealanders who are not employees, it makes sense to save at least $1,043 a year (i.e. $20 a week) to capture the maximum government money.
For details on KiwiSaver for non-employees and employees, go to www.SuperLifeKiwiSaver.co.nz.
When it comes to managing your money during retirement, the big unknown is how long you will live and therefore the period you will need money to spend. It would be a lot easier if we knew when we would die. Also, the longer the period, the more inflation becomes a risk issue.
2. How long will I need income?
How long does my capital have to last in retirement?
If you retire at age 65, the answer probably lies somewhere between 1 day and 40 years. The average is about 19 years; slightly less if you are male and slightly more if you are female.
|Retirement age
|Average life expectancy Male
|Average life expectancy Female
Source: NZ Life tables 2010-2012
Of course, like all statistics, an average hides the true position for most people. About half will live longer and half shorter, than the average. Very rarely will you live exactly the average period.
Also, on average, non-Maori live longer than Maori, but not all Maori will live shorter than all non-Maori. The population is made up of people in good health and people in poor health and the average statistic is therefore too high for some and too low for others. But even those in poor health often live longer than average.
If 100 people retired at age 65, the chances that they might live a further 5, 10, 15, 20, 25 or 35 years, are:
Probability of living 'x' years after retirement at age 65
|Period in years ("X")
The table highlights that, while the average might be 21.2 years for a 65 year old female, about 36% will live more than 25 years (i.e. past 90) and 3% live past 100.
We all need to decide for ourselves how long we need to plan for our money to last in retirement. In doing so, we should think about the financial implications and consequences if we are one of those that live longer than "average".
Improving life expectancy
The life expectancy statistics focus on the most recent 2010/2012 New Zealand mortality study. Over the last 22 years, the average expected retirement period has risen from 14.8 years to 18.8 years for a 65 year old male, and from 18.5 years to 21.2 years for a 65 year old female. Also, the point beyond which a quarter of females live in retirement has risen from just under 90 to nearly 92 years. In planning for retirement it seems prudent to allow for some continued improvement in life expectancy.
3. What is the right level of income?
There is no simple answer to the question "what is the right level of the income?" It will be affected by:
- The level of income you want to live on, allowing for NZ Superannuation.
- The period of your retirement that you will need to spread your savings over. Remember, the period may be until the later of when you and your spouse/partner die.
- The total of your savings.
- How your savings are invested and what the investment returns are during retirement.
- Whether the income is paid weekly, fortnightly or monthly.
Calculate what your savings will support
On the SuperLife website, under "calculators," you can work out what level of income your savings might support. The calculator uses a set of guesses about the future. The default guesses are relatively conservative:
- The investment return is 2.5% p.a. after-tax, on average. By assuming a "low" rate, if you earn more, you can use the extra return to increase the future income that you spend - for example, because of inflation.
- You life expectancy is at the 75th percentile. The 75th percentile is the date such that out of 100 New Zealanders of your age, 75 will die before that date and 25 will live longer than that date. This assumes you live longer than average (the 50th percentile).
- You will spend both your investment earnings and all of your savings over your future lifetime.
The calculator lets you vary each of these guesses to see the effect on your income. Also, you can recalculate the theoretical income level at any time, to reflect your actual investment return, remaining savings and the changing life expectancy.
Based on the above guesses, the theoretical monthly income (paid tax-free), at different ages, for each $100,000 of capital available at a particular age, is:
Monthly income per $100,000 savings
Compare it to what you spend
You should also do a budget to see how the theoretical income compares to what your actual expenditure might be. Use the SuperLife budget planning form on the website and at the back of this booklet to help.
Remember your actual expenditure may vary each year and you will need to allow for inflation.
4. Understanding inflation
Why do I need to think about inflation?
Inflation is often the big risk in retirement. It affects what happens to the prices of the things we spend our money on and therefore the amount that we need to save. It is something we cannot control.
The best way to see the impact of inflation is by an example. Let's say you have $22,500 and the cost of a loaf of bread is $3. This means you can buy 7,500 loaves of bread - at least one for each day over the next 20 years. However, in retirement, we are not only interested in the cost today, but also the cost each day, in each year, over the following 20 years or so. Bread goes stale if we bought it all today.
If the price of bread increases by 5% to $3.15, the $22,500 would buy only 7,143 loaves of bread ($22,500/$3.15). You are now one year short of the target of a loaf a day for 20 years.
A rise in the price of something you need to buy (e.g. loaves of bread) decreases the number you can buy for the same money, or increases the amount of money you need to have, to continue buying the same number.
But we are interested not just in the price of bread. We are also interested in the price of other goods and services e.g. cars, milk, housing, petrol and clothing etc., some of which will rise and others may fall. As such, the important inflation rate is the general rise in prices of all goods that we will commonly buy in retirement.
At different inflation rates, the prices of goods double over:
Inflation rate
Period for prices to double
|70 years
|35 years
|23 years
|18 years
|14 years
|7 years
The most commonly used guide to the rise in general prices is the Consumer Price Index (CPI). The CPI is an index that measures the prices of goods and services "typically" purchased by consumers and is constructed by Statistics NZ. The Reserve Bank is mandated to manage this to the range of 1% to 3% p.a. over the medium term. Over the last 20 years (to 31 December 2014), inflation has averaged 2.1% a year. Over the longer term, it has been higher. Inflation rates over the last 50 years were:
An inflation calculator is on the Reserve Bank of NZ website.
Inflation and investment returns
In the example, we saw that because of inflation, our $22,500 bought fewer loaves of bread. However, if we had invested our $22,500 at the rate of, say, 6% p.a. after taxes and expenses, we could have bought more.
At 6% interest, the $22,500 would have grown to $23,850 at the end of a year ($22,500 x 1.06).
At that time therefore, we could afford to buy 7,571 loaves of bread at its new price (i.e. $23,850/$3.15).
This simple example shows the importance, if we want to maintain our spending power, of achieving an investment return over the long-term greater than the rate of inflation. Beating inflation is called earning a "real" return.
Investments and inflation
Investing in the different types of assets of cash, bonds, property and shares, provides varying forms of inflation protection. To protect your capital against inflation, you need to retain and reinvest (i.e. not spend) part of your return.
Cash returns will generally outperform the expected official inflation rate. This is because interest rates will be moved to reflect changes in the inflation outlook. However, the downside of cash investments is lower average long-term returns. Cash investments also provide weaker protection; in periods of high inflation after you have paid tax and there is also no protection against unexpected inflation.
Bonds are expected to produce a higher average return than cash over the long-term. However, there is a larger risk of unexpected inflation eroding the real value of the investment, because your money is tied up for longer.
Both cash and bonds are normally good investments for your short to medium term expenditure because they provide more certainty. They are less optimal for longer term expenditure because of inflation. Remember, your retirement could last more than 20 years.
Property investments can provide some protection against inflation, as rental income will generally increase with inflation and the value of a property rises to reflect the level of rental income. Property will therefore normally, but not always, protect both the capital value and the income return against inflation over the long-term.
Diversified share investments also tend to provide some protection against inflation over the long-term. A company that produces goods is "typically" affected by inflation, as:
- the price of the raw materials it uses (e.g. steel) increases due to inflation;
- this increases the cost of production and reduces the profit;
- the company eventually raises the price at which it sells its goods to restore its profit levels.
Overall, therefore:
- the cost of production increases by inflation.
- the sale prices of goods eventually increases by inflation
- therefore, profits (sale price less cost of production) increase by inflation.
- so the company's share price (which reflects the profit of the firm) also increases by inflation.
In practice, life is not this simple, but over the long-term shares, like property, has typically provided real returns. Also, while share returns should exceed inflation over the long-term, there will be times when this is not the case. This will occur particularly when too much is paid for the shares/property in the first place. No investment is a good investment if you pay too much.
Cash provides protection against expected inflation but with lower expected returns. In contrast, bonds provide higher long-term returns than cash, but have a higher risk that unexpected inflation might erode the value of the investment before the bond's repayment date. Neither bonds nor cash are good in times of high inflation.
From an inflation perspective, property and shares should provide the highest expected long run returns, as well as some protection against unexpected inflation. However, these advantages come at the expense of greater volatility over the short run (including periods of large negative returns). It is therefore important to have the right mix of cash, bonds, property and shares to manage your liquidity needs, income needs and inflation protection needs.
5. How do I invest my money?
Whenever you invest money you need to decide on an investment strategy (i.e. the mix of cash, bonds, property and shares). The mix should reflect the reason why you are investing and your investment return needs and goals. In addition, you must manage (change) the investment strategy over time to reflect your changing needs. As you get older, your needs will almost certainly change.
In retirement, setting the investment strategy is about making sure that your money is available to be spent when you need to spend it, and you are protected against inflation in the meantime. The expenditure includes both the planned and the unplanned costs. The optimal investment strategy is the investment strategy that matches your retirement expenditure cash flows with the investment cash flows. It is based on five factors:
- Timing - understanding when and how much money you will spend;
- Importance - knowing how important the expenditure is to you;
- Alternative sources of income - being aware of your income from other sources, like NZ Superannuation or inheritances, to help meet the expenditure;
- Patience - knowing how long you can wait if something goes wrong;
- Risk personality - being aware of what type of investor you are and how you will react to a period of low or negative returns.
Working within these factors, you can set the mix of cash, bonds, property and shares. As a rule, you should generally not be holding shares unless you want to take on risk, or you have expenditure that will occur in at least 10 or more years' time and you need to be protected against the impact of inflation until then. This gives you time for your investments to recover if the sharemarket goes down. The sharemarket will do that every 3 to 4 years, on average, and sometimes it will be 7 to 12 years before a sharemarket "down" is recovered.
The bucket approach
When it comes to investing, SuperLife favours the three "bucket" approach. Rather than have a single portfolio where all assets are invested together and the focus is on single overall return, we believe it is better to think in terms of three buckets, for the three distinct needs each investor has (liquidity, income, inflation problem). Capital should be allocated to each bucket. The bucket approach lets you target a specific need/goal and so choose the types of investments that are right for that need. This in turn increases the chance that your total needs/goals are met.
This bucket approach is particularly beneficial in retirement. This does not stop anyone investing the assets as one portfolio, for efficiency reasons, but if they do, there are still advantages in thinking about the single portfolio as being the sum of the three buckets.
The three buckets provide for the needs of:
- Liquidity: You should have a bucket for the assets that provide for your immediate expenditure and your "rainy-day" fund. This bucket will normally be invested in cash assets, as immediate access, short-term certainty and safety are important.
- Income: In your income bucket should be your investments designed to balance the need for certainty with the need for a higher income return. The focus will be on income generating assets, particularly bonds.
- Inflation protection: As part of your expenditure will occur well into the future, protection against inflation is important. This bucket should focus on long-term, real returns and be less concerned about the short-term temporary return. Shares and property may be the focus.
Here's what that means for your investment strategy:
Liquidity bucket
Under the bucket approach, the right level of cash assets should reflect the value of the planned expenditure over the next few years (up to about 3 years or longer if you wish to be conservative). Having this money in cash provides certainty that the money will be available to meet the expenditure and minimises the short-term risks.
Income bucket
The assets that will meet your planned expenditure between 3 years and 10-to-12 years should be invested in bond or fixed interest assets. This gives an expected average return slightly higher than cash and enough time to ride out the ups and downs of bonds through interest risk movements, should a "down" occur in the next couple of years. At some time in the next 3 years, some of the bonds should be converted to cash and transferred to the cash bucket to meet the expenditure that will be the then "immediate" expenditure (i.e. occurring within the following 3 years). The bonds minimise the medium term risks.
Inflation protection bucket
The assets for the expenditure that is expected to occur in more than 10-to-12 years' time should be invested in shares and property. This helps protect against the impact of inflation and minimises the long-term risks. At some point over the next 10-to-12 years, some of the shares should be sold to top-up the bonds. This can be done at any time. It is only important to sell some shares at some point in the next 10-to-12 years, it does not have to happen in any particular year.
As you get older
One driver of the theoretical investment strategy is the period to go until you will spend the money. Under the bucket approach, as you get older your theoretical investment strategy should change. More is needed in cash and bonds and less in shares and property. This is because the number of years of your remaining retirement that are more than 10 years away, become fewer. Shares are normally suitable only for expenditure that will occur well into the future, when inflation is the biggest risk, or where the assets available are significantly more than is required to be spent.
Theoretical investment strategies
So, to set your investment strategy, you should
A. Decide on your income requirements
The requirements are for a particular level of income each year in retirement, in the immediate future and over the long-term. In addition, think about how much to reserve for a "rainy day" or emergency fund. This provides security should circumstances change.
Of this income, part will come from investment earnings and part will be met by spending the capital. Remember that the New Zealand Superannuation benefit will also be payable and New Zealand Superannuation currently goes up each year reflecting wage inflation.
B. Allocate the expenditure to the buckets to determine the mix of cash, bonds, property and shares that will achieve the income and manage the risks
The next step is to decide what mix of cash, bonds, property and shares the capital should be invested in, to achieve your income needs over the short, medium and long term, given your willingness to be exposed to ups and downs (i.e. take on risk).
C. Implement & review
Once you determine your strategy, you need to implement it. Then from time to time you must revisit it, with changes made throughout retirement to ensure that your future income requirements can be met.
See this process in diagrammatic form.
Based on the three bucket approach and the assumptions that:
- the capital expenditure in real terms will be spread over retirement.
- a person will live to the future point where 75% of current people at that age will have died, the theoretical investment strategy at different ages is:
The above strategies are only guides, your specific strategy should be adjusted from time to time to reflect the theoretical strategy for your remaining lifetime. However, you don't need to change it each year and/or precisely to the strategies shown for a given age. What is important is that:
• you always maintain sufficient cash to meet your immediate expenditure payments.
• you reduce your exposure to the assets like shares and property, that can fluctuate (over the short term), as you get older.
In setting your investment strategy, you should also remember:
• It is your money and your retirement security. Sleeping at night (and not worrying about your investments) is normally more important than getting an "extra" return.
• Looking to achieve higher long-term average returns (i.e. over 20 years), may mean you will get lower short-term returns (i.e. over 1 year). Any strategy has to be able to cope with negative returns as, even in a "bad" investment year, you still need an income to live on.
• If you invest in assets that go up and down in value, it is important that you are never forced to sell them on a particular day - you always need some assets that don't go down (i.e. cash).
Any investment strategy needs to be able to cope with change; changes to your circumstances and changes to legislation.
6. Managing risks
Successful investing also includes managing risk. Some risks are important and need to be closely managed; others are of interest and with the right investment strategy, are not particularly important.
The three-bucket approach provides a good mechanism for managing market volatility, inflation, interest rate and liquidity risk. Other risks and issues include:
What if you live longer than expected?
If your retirement savings have to be spread over a longer period, the theoretical amount you can draw down each year reduces. Several options are open:
- Reduce immediate expenditure i.e. cut back on immediate retirement expenditure to allow for the possibility that the period of retirement is longer.
- Reduce future expenditure i.e. plan on spending less in latter years of retirement. Some expenditure, e.g. travel, will probably reduce over time.
- Sell lifestyle assets, e.g. spend some of the equity in your house such that children get less.
- Buy an annuity. However, in New Zealand, annuities tend to be poor value because of tax and compliance legislation.
Because we do not know how long we will live, we need to constantly renew how long our remaining savings will last and adjust our expenditure and investment strategy accordingly.
What happens to the theoretical three-bucket strategy if you have more assets than are strictly needed to meet your retirement expenditure?
If you have extra savings, the extra capital should be invested based on when it is going to be spent. Unless you increase your expenditure, it is unlikely to be spent until you die, when the money passes to your children. In this case, it should be allocated to the shares bucket to protect it against inflation. You might also decide to hold more in cash i.e. in reserve for unexpected expenditure, or because you feel more comfortable.
What if you are not debt free?
If you have debt at retirement, it is often a good idea to take some of your retirement savings and pay it off. It normally doesn't make sense to earn interest with your savings, pay tax on the earnings and use the net earnings to pay the interest on the debt. Even if you can claim a tax deduction for the debt, the interest on the debt for most people, is likely to be more than the investment earnings on the savings. Reducing debt also reduces your risks.
What about your spouse/partner?
If you have a spouse/partner, the principles do not change. In this case the relevant period is not how long you will live, but how long the second to die, of you and your spouse, will live. Also, on the death of the first, the income needed might go down but will probably not halve. A lot of costs e.g. rates, don't change because there is one not two people living in the house.
What about the state of the current markets?
Most of the time, investors are not rewarded for trying to second guess the markets. However, sometimes there are benefits in favouring one asset type over another. If cash rates are low, for example, then holding less cash and more bonds, may make sense. If the price of shares is high, holding fewer shares may make sense. Investors who wish to second guess the state of the markets, should consider seeking advice from an appropriately experienced Authorised Financial Adviser.
7. Investing in retirement - an example
How might $500,000 be invested?
To illustrate how a person's money should be invested in retirement, take a single 65 year old male with retirement assets of $500,000. To keep it simple, we assume that they are debt-free and live in the house that they intend to stay in for the rest of their life. Also, other than to leave each of their children an equal share of the value of the house, there is no requirement to leave any additional capital to the children. Any extra capital left to them will be a bonus.
Income needs
The starting point is to determine the timing and level of the expected future expenditure, both regular and one-off lump sums. This involves preparing a budget of expenditure. It also requires a decision of how long the income is required for, i.e. the period of retirement.
Remember the NZ Superannuation benefit is about $19,000 (after-tax) a year and that this is "inflation proofed". Therefore, in retirement people can plan to spend both the investment earnings and capital to top up the NZ Superannuation benefit to the required total income.
Assume that the total after-tax income need is $49,000 a year or $30,000 after allowing for New Zealand Superannuation. $30,000 a year is $2,500 a month. In addition, assume that the income need increases with inflation and in 2 years' time an extra $10,000 will be spent on an overseas trip. Being a male, the income has to last for an expected 21 years.
The expenditure pattern required from the investments, is:
Investment strategy now
Based on the required expenditure pattern and the three-bucket approach, the 'theoretical' investment strategy for this 65 year old male is:
The cash amount is slightly higher than the theoretical strategy shown in the earlier table because of the extra $10,000 expenditure in year two.
Investment strategy in ten years (age 75)
In ten years time, i.e. at age 75, the theoretical strategy would be:
8. SuperLife solutions
SuperLife is here to help
Finding the right financial partner to help manage your money in retirement is important; important today and particularly important in your latter stages of life. This is where SuperLife can help. SuperLife offers flexibility to let you tailor your investments to your needs as well as a managed income option.
You can choose to use SuperLife to help manage your finances in retirement. Often, one of the best options to meet your retirement income needs and manage your investments is a flexible "managed income". SuperLife lets you decide when and how you will receive payment of your savings. You can take all or part of your benefit as a cash payment, to meet your immediate needs, and defer the balance for later when you need it. You can also use part of your savings to provide you with a regular managed income.
SuperLife can help people save for their retirement, invest their savings and then manage their income in retirement. SuperLife imposes no minimum savings levels. It focuses on security, flexibility, simplicity and low costs. You can retain your savings in SuperLife for as long as you wish. There is no minimum period that you have to stay a member or minimum balance that you have to have. On death, any remaining assets are paid to the people you nominate.
SuperLife has a full range of investment options from cash to emerging market shares.
Benefit payments
Under SuperLife, the main benefit payment options are:
1. Cash payment(s) either immediately or at different times in the future
2. A managed income
You can also take a combination of these as you wish. The options let you decide when and how you will receive a payment from your savings. Taking part of your benefit as a cash payment, to meet your immediate needs, and taking the balance as a series of lump sums and regular payments, makes a lot of sense.
Cash payments
When you request a cash payment, it will be paid to you as soon as possible, normally the same day. You can make a withdrawal at anytime by giving written notice.
A managed income
A SuperLife managed income pays you a regular tax-free income from your savings, at the level that you decide (e.g. $2,000 a month). The income is taken from your SuperLife savings account and credited to your personal bank account. The balance in your SuperLife savings account continues to be invested with all the standard SuperLife investment options and flexibility, until it is paid to you.
A managed income is particularly useful when you want a regular base income, in retirement.
If you choose the managed income option, you can:
- Decide on the level of your regular income.
- Change the amount of the regular income at any time.
- Select the day or days of the month the regular income is paid.
- Take out additional amounts whenever you wish.
The managed income is not taxable income in your hands. As with other withdrawals from superannuation schemes, the amounts you receive are tax-free because SuperLife has already paid tax on your investment income. Also, the managed income does not affect your entitlement to New Zealand Superannuation. However, for the purposes of any income test under The Social Security Act 1964 (such as the "young spouses" entitlement to New Zealand Superannuation), the managed income will probably count as income. This applies if your spouse is under age 65 and does not work. You need to seek advice on this, if it could apply in your case.
For a product disclosure statement visit www.superlife.co.nz or contact SuperLife on 0800 27 87 37. They are available free of charge.
You keep control
It is important to note that the amount of your SuperLife managed income is not fixed. It can be changed at any time (up, down, or stopped) and as often as you choose. You have the flexibility to take out a lump sum at any time and for any reason, e.g. to buy a new car. This way you can plan to spend your savings when you need to.
You can also pay more money into your savings account at any time. If you have other assets, it may be a good idea to consolidate your assets under SuperLife, to give you greater control and to make it more convenient to manage your total retirement income needs. This may be particularly useful as you get older and want to simplify your financial life. SuperLife is both cost effective and tax efficient, and has the flexibility to cope with your individual financial needs.
In addition to this guide, SuperLife has guides available on Wills, enduring powers of attorney and family trusts, as well as on investing and a number of wider investment and insurance issues. When thinking about saving for your retirement, you should see the "Retirement Savings Guide" – it is never too early – or too late – to start saving.
More details on the SuperLife options are in the product disclosure statement available at www.superlife.co.nz or from SuperLife.
9. Understanding New Zealand Superannuation
As a general rule, New Zealand Superannuation is paid to all eligible New Zealand residents. There is no income or asset test. The following summarises the provisions.
New Zealand residents are entitled to receive NZ Superannuation (the old age pension) if they satisfy all of the following conditions. They must:
- have reached State pension age (currently age 65);
- be a New Zealand citizen or permanent resident;
- live in New Zealand;
- have lived in New Zealand for at least 10 years since age 20;
- have lived in New Zealand for at least 5 years since age 50.
Residence in a country with which New Zealand has reciprocal social security arrangements (like Australia and the UK) counts as residence in New Zealand.
The pension when payable is not backdated. Also, an application can only be made when you are within 2 months of being eligible. Therefore, an eligible person should apply (make an appointment) in the 2 months before turning 65.
The pension is taxed as income in the normal way under the PAYE system.
Income test
There are no income or asset tests applied to NZ Superannuation. However, entitlements to an overseas social security pension (like the UK's State Pension) but not private, work-related employer-provided pensions, reduce the New Zealand pension by the equivalent amount.
Also, where one person of a couple qualifies and the other does not, both may receive the benefit, but an income test applies in respect of the partner's benefit.
The benefit is linked directly to the national average wage and is reviewed each year (1 April) against changes in wages. The target level for a married couple is referred to as "65 at 65" i.e. a net 65% of the net national average wage from age 65. The current level is 66% of the net national average wage.
|New Zealand Superannuation rates (1 April 2017)
|Before tax (gross)
|Post-tax (net)
|- a year
|- a week
|- a year
|- a week
|Single, living alone
|Single, sharing
|Married person (each)
|Married couple
Note: The current (December 2015) national average ordinary-time wage is $57,793 a year before tax ($46,632 a year after tax and ACC) from 1 April 2016. There are no additional social security or health taxes. Social security benefits are all met from ordinary tax. All health, social services and education expenses are financed centrally. Local authority rates meet the cost of only local services, such as roads, refuse, reserves and planning.
The after-tax NZ Superannuation for a couple is equal to 66% of the after-tax national average wage. New Zealand Superannuation is paid fortnightly. The next change is due 1 April 2017.
11. Investing in retirement


text:
Alon Calinao Dy
I Don'T Know Why - Poem by Alon Calinao Dy
I don't know why I'm madly in love with you.
I feel your love but break your heart.
I'm so happy but now feel bad.
Is it because I make you mad?
Sometimes, I don't know why love is ruthless.
Today we're both happy but the following days
We fight each other like we're worst enemies.
I don't know why but our love is always like this.
I don't know why I feel damn blue.
Is it because I make you upset?
Or, remind you of your past mistakes?
Why do I have to hurt you if my love is true?
My love, I don't know how to make things right
Or what I need to do to heal your broken heart.
One thing I'm sure is that I never give up
Until every beat of my heart stops.
I ask myself many times,
Are we really meant for each other?
I don't know why or how we find each other.
Perhaps, our love will last forever.
Comments about I Don'T Know Why by Alon Calinao Dy
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Alon Calinao Dy's Other Poems
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Caged Bird
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Stopping By Woods On A Snowy Evening
Robert Frost
I Do Not Love You Except Because I Love You
Pablo Neruda

subset: commoncrawl


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Where do I insert the link for the "Learn More" buttons on the slider?
Go to: Admin Dashboard->Appearance->Theme Options->Bootstrap Slider (tab)
in the "Slide 1 Button", "Slide 2 Button" …etc textareas add your own desired urls.
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Professor Jinghai LI
LI Jinghai graduated from the Department of Thermal Engineering of the Harbin Institute of Technology in 1982. He entered a master's degree program at his alma mater in the same year. He obtained his Ph.D. from the CAS Institute of Process Engineering (IPE), in Beijing in 1987. He conducted his post-doctoral research at the City University of New York and the Swiss Federal Institute of Technology. After returning to China in 1990, he served as assistant professor, associate professor, professor, vice director and director of IPE in succession. In February 2004, he was appointed a vice president of CAS. Prof. LI established the Energy-Minimization Multi-Scale (EMMS) model for gas-solid systems. The model has been extended to many different complex systems, and has been used widely in chemical and energy industries. He is the vice president of International Council for Science (ICSU) for Scientific Planning and Review, the vice chairman of China Association of Science and Technology, and the vice president of Chinese Society of Chemical Engineering. He holds memberships from CAS, TWAS (The Academy of Sciences for the Developing World), SATW (Swiss Academy of Engineering), RAEng (The Royal Academy of Engineering) and ATSE (Australian Academy of Technological Sciences and Engineering).
Members of the IAC


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|Hand Hooked
|100% Polypropylene
|Pile Height
|3⁄8 inch
|Stain Resistance
Scintillating shades of exquisite color combine together in a hypnotizing harmony to create the brilliant rugs within the Storm collection by Surya. Hand hooked in 100% polypropylene, these perfect pieces allow for a sense of durability in your decor while maintaining a modern style with glamorous design highlighted in hints of orange, red, green, and blue to craft the perfect addition to any home decor.
|Free Shipping on all orders, no minimum purchase required. The listed price is the final price: no shipping, tax, or other processing fees.
|If you find this rug for less, we will beat any competitor's advertised price. During business hours, please contact us by chat or call 1-800-239-9892. After business hours, please use our price match form.
|Any rug that you purchase can be returned within 30 days after delivery for a full refund. You're only responsible for shipping cost back.
|For more information on our return policy, ordering process, and payment process, please visit our FAQ page.
I love this design! but you dont have the color im looking for. Do you have any others with this deisgn?
You can check on our website I would look under the geometric category. We should have plenty of rugs that you would like! If you are not satisfied with your rug you can return it within 30 days for a full refund.
What is the material polypropelyne? is it a soft material or a roug one
It is a synthetic material used in rugs. Yes, this rug should be quite soft.
We are getting this rug for my niece's dorm room for christmas. We have to transport it to California, how heavy is it?
The weight will depend on the size of the rug. It should be light weight enough for you to transport. If you are not satisfied with your rug you can return it within 30 days for a full refund.
I need this rug before Christmas. How long does it take to ship?
We will try and get this to you on time. Shipping depends on where we are shipping the rug to. Please give us a call for specifics.
I am trying to potty train my new puppy. I don't want him to stain the rug. Is the rug easy to clean?
You would have to use product specifically for rug cleaning or have it professionally cleaned. Although our rugs are stain resistant I would recommended trying to keep your puppy away from it.
do i need rug pad with this?? how big is pad?
You only need a rug pad if the rug is slippery on your floor. If you plan to put the rug down on a hardwood surface or tiled surface I would recommended getting a pad for it. The rug pad runs the same size as the rug. If you are not satisfied with your rug you can return it within 30 days for a full refund.
My house is pretty bright so the rug reflects the light a t a high degree. Any ideas so I don't have to wear sunglasses while at home?
I would recommend getting a darker shade rug instead of a lighter one then. We have a wide variety to choose from on our website.
I have to use a cane to get around so i want a rug that won't slip. Will this rug need a pad or is it non-slip?
I think it would be best to get a pad for this rug.
How bright is the yellow in the rug? I'm looking for a dark yellow to match my furniture
It looks like a softer yellow, it should be what it looks like in the photo. If you are not satisfied with your rug you can return it within 30 days for a full refund.
My kids love to play in the living room on the floor. I want to get a rug to in there though. I don't want them to get rug burn while rough housing do you think this will be soft enough?
I think this rug would be ideal for your living room. It is very soft and should keep the kids from getting rug burn. If you are not satisfied with your rug you can return it within 30 days for a full refund.
We encourage any discussion or questions concerning this product. Our goal is to personally respond to any questions placed during business hours within 30 minutes.


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Corilla pitch training with Olivia Fox Cabane
I was sitting at my desk in the NUMA accelerator when the team dropped a book on my keyboard. It's no secret that I eat up »
Our tweet game just got a little stronger with the fantastic crew at Twitter helping us move into our new @corilla account. Thanks team! When we »
Here it comes. Whatever the incubator, accelerator or bootcamp program, the Demo Day is the peak event of the startup experience. Depending on the flavour of »
I was sitting at my desk in the NUMA accelerator when the team dropped a book on my keyboard. It's no secret that I eat up »
A quick heads-up for anyone in the Bay Area. As you might have read earlier, Corilla and the NUMA Sprint Accelerator cohort are in San Francisco »
Short version: Dear San Francisco, we are coming to visit. See you soon. Long version: One of the more adventurous aspects of the NUMA Sprint Accelerator »
If you're in Paris this coming Monday night, please join us at Unpacking Developer Experience. A panel discussion hosted by the team at Five by »
Once upon a time I worked as a business analyst for a large company. I got quite nimble at doing large-scale data transfers from one system »
It's Friday so here's your weekly video. We'd love to stick around and tell you about the awesome prototyping sessions this week. Or »
User testing, one of the core fundamentals of a great product. Iterative learning at it's finest. It's akin to ordering a triple scoop ice-cream, »
Today we had a visit from the latest cohort of the Google Associate Product Manager program. If that rings a bell, it's the program set »


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Jamaica Inn's crowning glory is its accommodations — spacious, impeccable and tasteful. Each suite or cottage provides such beautiful ocean views that they will stay in your memory for a lifetime.
Our Jamaica suites feature a private, furnished balcony or expansive verandah overlooking our secluded beach or the Caribbean Sea. These exquisite outdoor settings bring the best of Jamaica to your accommodations. Each is comfortably furnished with a plush sofa, wing chair, breakfast table and writing desk. There are no TVs, radios or clocks. Only the magnificent surround sound of the sea.
Isn't it time to set back and relax in our Jamaica paradise?
To make reservations, book online or call us at .
Perched on a bluff overlooking the Caribbean Sea and surrounded by alluring gardens, Clearwater Villa is an exquisite Jamaican villa experience. Three bedrooms in two separate cottages, a private swimming pool, and a walkway to the sea, you'll enjoy ultimate privacy.
These Jamaica cottages are spacious private sanctuaries offering panoramic views of the Caribbean Sea. Each features a living room and bar area, infinity plunge pool, outdoor shower, and private entrance to the sea.
Each available as a one- or two-bedroom accommodation, our private Jamaica cottages are perched on a bluff with stunning ocean views. Cottages feature direct access to the sea and all have private infinity plunge pools.


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snack night
this is what i used to cook my vegan side dishes
heres how they turned out vegan mashed potatoes, 2 kinds of sweet potato recipes, green bean casserole, cooked asparagus and carrots and stuffing
a lot of people asked me what i used for my fake turkey haha, i used Gardein brand they had a stuffed turkey that i made and it was amazing! you can see it on my plate on the left in this pic
i also posted a chili bake recipe on instagram and some people asked me to share it so here you go
1 yellow onion
1 can diced tomato
1 small can chopped green chili or jalepenos
1 cup rice
1 small can tomato sauce
4 cups cooked pasta your choice
1 cup salsa your choice
2 cloves garlic cooked
1 bag daiya cheese your choice on flavor
i cooked the rice and onion and garlic until done and then put them in the bottom of an oven safe pan.
next i add the cooked pasta
add the tomato sauce and green chills
add the diced tomato and salsa
from here i mix everything together so that everything is covered in the tomatoes and sauces and then i add the cheese on top
cook in oven at 350 for 20 minutes or until cheese is melted
heres some random pics from my phone from the month
i also went to the supernats kart racing 2 weeks ago
i fixed my kitchen sink and installed a new one...this was under the sink..ew
i bought a new dinning room table
took random pics with my brother
and heres a few pics from the game
i have finals next week and then I'm going to be busy with christmas shopping for my friends and family. speaking of christmas, I'm going to decorate my house this week so ill share pictures soon for christmas i am going home to san diego for 3 days and then i fly to boston for a few days with my best friend, take a train to new york for new years, then back to boston till the 4th and then home to vegas. i think its a pretty good way to spend my winter break off from school haha. I'm hoping to get lots of boarding time in this year too! i was also thinking about making christmas cards...what do you guys think?
heres my wishlist if you feel so inclined
thats about it for now
you can also find me here
Instagram: Alicee Suicide
ps if you haven't seen these ladies you should go now!
Kemper and I
Thanks so much for liking my recent set in member review and commenting ! (: Also nice snacks yummyyyy.


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Design plus words, letters, and/or numbers
Small plastic vacuum-sealed container for household or kitchen use
Business in Venice, CA


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Inspired by eclectic vibes on London's famous King's Road, the Chelsea wallet takes you through all your shopping needs during the day—be it high-fashion or antique-hunting—transforming at night into a chic clutch to take to dinner, drinks or a party.
Made in the United States. Each purchase donates a backpack to a child in need in the Los Angeles School District.
Features: These handbags have been crafted with natural leather and materials that have unique variations in color and texture. In rare cases, the naked finishing of these materials may transfer color to other items, or pick up the color from items rubbed against them. These qualities add to the beauty of the bag and should not be thought of as imperfections.
Care: Avoid contact with water, grease, perfumes, or cosmetics. Should your bag get wet, please wipe it with a soft neutral cloth to absorb the moisture.
AHAlife is committed to help you live a conscious and inspired life.
Many of the items you discover here are exclusive to AHAlife, which is what makes our community of designers and artisans so special.
If you find one of our products anywhere else for less than it's being sold on our site, we will match it. No questions asked.
Our dedicated Concierge Team is here to help. Reach out any time at:


text:
Israel News
Middle East
American Politics
Edition française
Green Israel
Poison dart frogs 370.
(photo credit:Courtesy Nature and Parks Authority)
Customs officials at Ben-Gurion Airport caught a man allegedly attempting to
smuggle about 30 poisonous frogs into the country on Thursday morning, the
Israel Nature and Parks Authority (INPA) and Tax Authority
reported.After receiving information about a passenger attempting to
smuggle in marine life, inspectors from the airport's customs zone caught the
first suspect on his return to Israel from an Amsterdam flight, the authorities
said. A quick look at his flight itinerary, however, revealed that two other
passengers had flown with him, and the inspectors immediately identified both
the suspect and one of his companions, according to the authorities.
By SHARON UDASIN
By JUDY SIEGEL-ITZKOVICH
Sponsored Content
By SHARON UDASIN
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text:
Talking Atomic Alarm Clock
Reizen Talking Atomic Alarm Clock
- Time set by daily radio signal from atomic clock
- Touch again for day and date announcement
- Touch button once for time announcement
- Alarm with snooze
Product Overview
Reizen Talking Atomic Alarm Clock
Talking Atomic Alarm Clock
The Talking Atomic Alarm Clock combines the classic look of an analog clock face with the convenience of having the current time announced at the touch of a button and of never having to set the clock. And it's easy to see and use. Touch the large button on top of the clock once to hear the current time announcement in a clear male voice and activate the LED backlight. Touch it again to hear the day and date.
Plus it receives a daily radio signal from the NIST Atomic Clock in Colorado that keeps it accurate to the millisecond and even accounts for Daylight Savings Time. Just set your time zone when you first receive the clock, and it's all automatic from there on. You'll never again have to set it… ever.
Talking Atomic Alarm Clock Features:
- Automatically sets both spoken time and hands on the clock face
- Talks as you're setting it - great for visually impaired
- Adjustable volume control (High, Medium, Low, Off)
- Muted LED backlight
- Color: Silver with chrome-tone buttons
- 3-3/4 diameter face
- Total clock dimensions: 5-1/4 Tall x 4-3/4 Wide x 3-1/8 Deep
- Uses 2 C batteries (included)
Note: Radio signal may not be received in all locations. In this case, the time can be set manually, however the day and date functions will not operate.
Place Your Order Here
Reizen Talking Atomic Alarm Clock
Talking Atomic Alarm Clock Reviews Summary
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Talking Atomic Alarm Clock
Ask the community about this product and get answers. Share your knowledge and advice. Learn More about Q&A.
3 Questions | 2 Answers
Need manual instructions for setting the atomic alarm clock. Did not adjust for day light savings
Asked on Apr 19, 2015 3:55:50 PM by bob
Yeah, good question!
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Can I get instructions for this clock?
Asked on Feb 4, 2014 10:32:47 AM by Dominic
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2 answers
Answered on Mar 16, 2014 7:00:47 PM by DICK KANE from WEST CHESTER PA 19380
This answer was helpful!
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The Reizen Company's web page for this clock contains a link to download MOST of their clock manuals. Seems like Allegro Medical wants to help its customers, so try calling them and they might email you a link to the manual which you or a friend can use to print it.
Answered on May 12, 2014 6:42:33 PM by Mary Freeland from Southern California
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how do i know what time division the clock is set for. it will not set time, just keeps spinning around over and over
Asked on May 26, 2012 5:44:57 PM by hazard
Yeah, good question!
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Part Number(s): 086 0183
Mfg Part Number(s): 706810
Scrip Part Number(s): 086 0183
Because our price on this item is lower than the manufacturer's suggested retail price, the manufacturer does not allow us to show you our price until you place the item in your shopping cart. Retailers like Allegro Medical have the legal right to sell products at prices we set. However, adding the item to your cart allows us to show you our lower price consistent with our promise of always offering you the lowest possible prices on the widest selection of medical supplies, medical equipment and life enhancing products.
Adding this item to your shopping cart won't require you to buy it. However, our prices do change. If you decide to purchase this item now you are guaranteed the price now displayed in your shopping cart. Complete your purchase by clicking on the "checkout" button or simply remove the product from your cart if you decide not to make your purchase at this time.


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Get in Contact with Monstercat's newest Compilation
What was the last album you bought?
Yes, like actually paid for? Was it Jack U's debut album? Was it a new EP? Maybe even Above & Beyond's We Are All We Need? As album sales continue to crumble with singles following close by, music labels and stores continue to frantically struggle to figure out how to win in this industry. One label challenging the idea that the album is dead is Monstercat. The Canadian label continues to grow quickly signing some of the best up and coming artists, releasing single after single worthy of the $0.99 or $1.29 price. You know what's even better? How about an album for $9.99 containing 30 tracks of the latest and greatest electronic music?
This is Contact.
022 Contact – Monstercat
While I could go through each of the 30 tracks and spend hours and limitless paragraphs on how good this music is, I won't bore you and instead give you my top 5 favorite tracks of the album. So let's start with number 5.
5. Stonebank – The Pressure
Starting this top 5 off with a punch, Stonebank brings The Pressure as Monstercat puts drum and bass on the map again with this quick paced track perfect for a late night drive down the highway. This album has a good section of drum and bass including a remix of Excision & Pegboard Nerds "Bring The Madness" along with "Try This" by the Nerds also. If this isn't quite your speed though continue on to check out my next favorite track.
4. Stephen Walking – The Difference Between Us and The Aliens
Yes, that name is correct, there is a track on this album talking about aliens. Stephen Walking presents us with a sound best described as "EDM" but don't get me wrong, this is not mainstream. With a poppy 80's synth melody, Stephen adds in a complex undermelody swirling around the lows and highs making this a perfect summer beat to throw on when you are in need of something groovy.
3. Trivecta – Evaporate (feat. Aloma Steele)
While this may not be what original Trance sounded like, it is definitely where it's going. Trivecta gives us a look into future Trance (is that a genre yet?) as he combines heavier elements into trance with "Evaporate." Incorporating some trap bass with the ambient melody, Trivecta whisks you away as Aloma Steele tugs away at your heart with her beautiful vocals. If you haven't heard of Aloma yet, you might want to catch up with her. She is the future female EDM star. I don't know about you, but I want to hear more songs like this.
2. Tristam X Karma Fields – Build The Cities (Empire of Sound) (feat. Kerli)
No-one can deny that Karma Fields' first original "Build The Cities" hit the sweet spot on Monstercat's label. With a remix pack stuffed with sounds, it's no surprise a couple of them ended up on Contact. My favorite of the bunch is definitely this Tristam rework. Tristam partnered with Karma Fields to bring us the Empire of Sound remix adding in some new vocals to partner with the originals from Kerli. Not only that, but a huge progressive flip that fits perfectly for the summer season. How is this track not first on the list? Well just look below.
1. Savoy & Sound Remedy – Leaving You / Puppet & The Eden Project – The Fire
I couldn't choose between these two for number 1 but I couldn't not put both on the list. These two are just so good. Savoy & Sound Remedy partnered together to create a huge bass tune that combines the best of both artists, the melodic touches from Sound Remedy and the club ready beat from Savoy. Check out my original post about the track, press play and thank me later.
I had to add this one also for the number 1 spot because I just can't get enough of it. Puppet and The Eden Project (now just EDEN) have quickly become one of my favorite collaborations recently with "Scribble" and now "The Fire." Building off the original partnership, the two producers create a track for the ages that combines the best of progressive house and trance as they start a fire inside my heart for more of this tune. Check out my post about the track and enjoy listening to it.
Monstercat continues to put out release after release worthy of any price that any music store wants to place. They consistently release massive compilation albums including Altitude, Perspective and now Contact. Currently available from 3 online music stores iTunes, Bandcamp and Google Play for $9.99, you can grab your copy now. 30 songs for $10… I think that's a good price.
Check out all the songs from the album through the SoundCloud playlist and comment below on which are your favorite songs off the album. Make sure to give Monstercat a follow and like if you haven't yet and stay tuned for more things from the Canadian label, it's only getting bigger.
Alex Zimmerman
Latest posts by Alex Zimmerman (see all)
- Backwoods, the Hidden Gem of the Midwest - September 14, 2016
- Explore the "Labyrinth" with Trivecta - August 15, 2016
- Monstercat Celebrates Five Years with Anniversary Album - July 30, 2016
- Backwoods Festival Announce Daily Lineup - July 28, 2016
- Slander & NGHTMRE Spread 'Gud Vibrations' Across the U.S. - July 25, 2016


text: Hot For GOLD or higher VIP users WPTools v7.20d + PremiumX for Delphi XE3~XE7 x32 Cracked WPTools VCL WPTools is much more than a replacement for the Delphi richedit component: The central part of this VCL control is a complete RTF WYSIWYG word processing control which is surprisingly small. In contrast to similar components, WPTools supports editable header and footer in its perfect page layout modes. Zooming, split screen, tables, also with the possibility of page breaks inside table rows and a powerful CSS like paragraph style concept are supported by its modern architecture. WPTools is a true Delphi VCL. It is a word processing VCL which is on the market since 15. January 1996. Since then its architecture was modernized several times and grew with the capability of the Delphi compiler. Now it is THE state of the art word processing component VCL for Delphi. Licensing is still very affordable, although it already integrates many features in the basis edition, which require expensive add-ons in some expensive competing ActiveX components.As Delphi developer you know – the advantages of a true VCL component are hard to beat. A true VCL component can be configured inside the IDE, it compiles directly into the application and does not require any runtime libraries. When the source code is available, it is easy to find problems and to enhance the component. With WPTools you have all this advantages, the PRO and PREMIUM edition come with all its pascal source code. WPTools 7 has been also enhanced to support themed applications created width Delphi XE3 or later. There are no royalties – it is only required that each and every developer is licensed, who work (anywhere) in the project. Licenses also may not passed around between developers in the same company. With WPTools you can impress the end user of your application, with just a few clicks on your side. Editions: Standard Delphi 5, 6, 7, 2005, 2006, 2007, 2009, 2010,XE, XE2, XE3, XE4, XE5, XE6, XE7 C++Builder 5, 6, 2006 32 bit Professional Delphi 5, 6, 7, 2005, 2006, 2007, 2009, 2010,XE, XE2, XE3, XE4, XE5, XE6, XE7 C++Builder 5, 6, 2006 32 and 64 bit 100% Object Pascal Source code included Premium Delphi 5, 6, 7, 2005, 2006, 2007, 2009, 2010,XE, XE2, XE3, XE4, XE5, XE6, XE7 C++Builder 5, 6, 2006 32 and 64 bit 100% Object Pascal Source code included+Reporting,+ Textboxes+ Footnotes Feature Overview: The word processing component WPTools supports a variety of different character and paragraph attributes, style sheets, numbering and bullets. Plus, it supports bookmarks, embedded images (with text wrap around) and table of contents. If you need to do mass mailing or to provide your customers with a customizable database view you will enjoy working with the powerful "mail merge" facility. WPTools works with special field objects (start and end markers) which makes it possible to dynamically update the text or to read out selected parts of the document, so it is also possible to use it with forms for data entry. And when you need fast and accurate PDF export, just add our product wPDF and it is done. But since wPDF does not only export from WPTools, you can mix in output from reporting components or metafiles if required. You can also change the rendering of the text in many ways. For example you can paint a custom page or paragraph background from one of its events. Download Link(s)File(s) size: 32.2 MB


text:
Join Doghouse Digital! Download full-length 28min 40sec movie now!
DP Slut Tina Kay, takes a thick, fat fuck pole way down her throat, while she gets a butt plug up her nicely rounded ass. She continues to suck cock like a trooper, as the plug is removed and her asshole gets nicely eaten.
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text:
On Wednesday 14 November 2007, Anton Zinoviev wrote: > It wasn't this the idea... The idea was that the fix was rather simple > (only 3 lines need to be removed), so perhaps someone might want to try > it before I was able to test it. OK. On that basis I have tried that fix (as I was testing something else anyway) and committed it. However, I am still very disappointed that a regression BR I filed a whole month ago had still not been picked up by _anybody_. AFAIK you still follow d-boot and in the BR I even mentioned your commits as the probable cause. It would not have taken that much time to keep a lookout for partman BRs... In general I think people working on D-I tend to rely way too much on others to do test installs and fix regressions...
Description: This is a digitally signed message part.


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Page 2 of 3
When further questioned about the two-year gap in public accounting, Smith-Valade explained in a follow up email:
"In fact, the vast majority of not-for-profits do not report publicly, largely because there is no public interest and there is no such obligation for not-for-profits to report publicly. They report to their Boards and to their members and VANOC is doing this."
The two Whistler representatives on the 20-member board were former municipal Chief Administrative Office Jim Godfrey and Tourism Whistler's president and CEO Barrett Fisher. Other board members include Ken Dobell, Rick Turner and Rusty Goepel, all representing the province, Chief Gibby Jacob, representing Squamish and Lil'wat First Nations and Penny Ballam, of the city of Vancouver.
In the final report at the end of 2010, with the Games complete and the majority of risks resolved, it states:
"VANOC is entering the final months of its dissolution phase."
Two years later, and still not yet dissolved, Smith-Valade explained:
"Most organizing committees exist for several years after the Games. While our goal was to wrap up as quickly as possible, the resolution of a few matters has taken longer but the timeframe is still well within the norm for an organising (sic) committee. A legal entity such as VANOC cannot simply go away on its own volition. It must ensure that all of its affairs are properly closed off. Sometimes the resolution of matters depends on matters outside of the control of the organization and that is the case here. That statement would have been made with the intention of dissolving as soon as possible and that is still the goal, while still being responsible to wrapping up outstanding issues responsibly."
Smith-Valade said there are "very few" legal matters outstanding at this point.
"They are in the process of being resolved," she said.
Just this week the owner of Mario's Gelati, a Vancouver ice cream shop, settled out of court with VANOC. The lawsuit, against VANOC, the city and the federal and provincial governments, sought more than $2.5 million for lost business due to construction of the athletes' village near the shop. Details on the settlement are guarded by a confidentiality agreement.
Pemberton-based Coast Range Heli-skiing also launched a lawsuit against VANOC, the Vancouver 2010 Integrated Security Unit, and the federal and provincial governments for private nuisance. Coast Range claimed it laid off staff and closed for business in the winter of 2010 because temporary Olympic security measures made it impossible to do business. The status of that lawsuit is not clear at this point.
The lawsuit said VANOC was compensating Whistler Blackcomb, among others, for lost business and should do the same for Coast Range.
November 18, 2017, 12:10 PM
Pilot project allows for one container of trash per adult passenger More...
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Plenty of new snow and no real base means 'sending it' is probably not the best idea More...
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Service draws over 1,200 to honour and remember More...


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The newest tool in the fight against oral disease is the ViziLite ® Plus oral lesion identification and marking system.
ViziLite ® Plus, from Zila Pharmaceuticals, combines the oral screening technology of ViziLite, an advanced chemiluminescent light technology to help detect oral abnormalities, with TBlue630T. TBlue630 is the only patented pharmaceutical-grade form of toluidine blue that has been cleared by the FDA for use in marking lesions identified during a ViziLite examination.
ViziLite Plus makes oral screening more comprehensive than ever before and is indicated for use in individuals at increased risk of oral cancer. If ViziLite reveals an abnormality, TBlue630 can be used to mark suspicious lesions for further evaluation.
New Patient Special
New patients exam and x-rays for just $125!
Holiday Special
For the hard to buy for person in your life...how about purchasing a Teeth Whitening Gift Certificate only $299 (a regular $950 value includes a dental exam, xrays and a electrical toothbrush). Limited supply! Call today.


text:
We know families usually have a full summer schedule. In an effort to help you keep your kids active over the summer and get them away from computer screens we are offering flexible programing. We will host 11 Crazy Running sessions and with the purchase of one punch card you can attend any 8 sessions you choose.
Crazy Runners age 7-14
Typically June-August
Track @ Kernodle Middle School
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From Pen 2 Bit: Computers in Architectural Design. Vassilis Bourdakis Dept. of Planning and Regional Development University of Thessaly Greece. [email protected] Overview. istory nalogue igital Processes [Basic principles] nalysis esign nalysis mplementation onclusions.
Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author.While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server.
Vassilis Bourdakis
Dept. of Planning and Regional Development
University of Thessaly
igital Processes [Basic principles]
"From the graphic opportunity afforded by the CAD system and exploited by Deconstructionist designers who simply punch ROTATE and STRETCH on their computers to project forced-decorative geometric expressions of complexity and contradiction that weirdly exploit a deference toward the forms of classic Modern architecture while really profaning its principles"
[R. Venturi, p.7]
Classification based on adeptness:


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PathXL to double workforce to 60 after being bought by Philips for undisclosed sum
Belfast software firm PathXL is set to double its workforce to more than 60 people after being bought up by Dutch technology giant Philips.
The company is also staying put at the rebranded Northern Ireland Science Park, now called Catalyst Inc. It will, however, move to a bigger office at the centre.
The firm creates software for medical researchers to process slides and provides software for use in research, healthcare and education, including in the analysis of tumours.
Co-founder Peter Hamilton told the Belfast Telegraph: "In terms of our technology, we have been limited in what we can do in terms of our cancer recognition. But we can now begin taking that forward for clinical diagnosis."
He added the business would be able to help make "those really difficult decisions" and develop new therapies.
"It means the expansion of 30 new jobs, on top of the 30 existing," a spokesman for PathXL added.
"It will be skilled workers in software development roles. It means these jobs will be staying in Belfast. Philips know we have been doing well here.
"I think it will only change for the better. It gives us the name and the brand, allowing us to go in to new areas and look into creating more business for ourselves.
"But by joining the Philips brand, we have the ability to grow bigger, and stronger, and to improve the quality of our products."
The Queen's University spin-out's co-founder Professor Peter Hamilton will head up the business in Belfast, taking over full-time as chief scientist.
PathXL will continue to have autonomy, despite now being owned by a multibillion-pound corporation.
"Philips has the same culture as PathXL, and they spend a lot on research and development," Mr Hamilton said.
He also explained that the deal meant "Philips are getting to acquire our knowledge, and we get to expand our research".
"(Our software) is international, and across the US and Europe - a mixture of universities and different areas," Mr Hamilton told this newspaper. "That will not change. Our strength is with education - and that will continue."
Speaking about the new deal, the value of which has not been disclosed, Russ Granzow, general manager of Philips Digital Pathology Solutions, said PathXL was a powerful company.
"With this acquisition, we are accelerating our drive to support global medical institutions in their transition to digitised pathology workflows," he added.
"Together with PathXL, we see a unique opportunity to amplify our combined technology leadership positions.
"We will be able to offer an intelligent, integrated solution that fulfils needs in computational pathology, education, workflow solutions and image analytics."
Alastair Hamilton, chief executive of Invest NI said the purchase of the firm was great news for the life sciences sector in Northern Ireland.
"PathXL has been a fast-growing business, making a real name for itself specialising in software which improves the analysis of cancer tumours, and it has caught the attention of this global brand," he explained.
Belfast Telegraph


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Don't live in London? Don't really care about the films showing at the Film Festival? Well there's a film out nationwide today! There's better films out tomorrow though if you can wait.
Chasing Legends
Ever wanted to do the Tour de France in ninety minutes without any effort? Well here's the documentary for you! This "true HD film" follows the 2009 HTC Team Columbia from start to finish and I imagine it's a beautiful and moving journey. At least you know you won't get saddle sore.


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SVC - Salvadoran Colon
The Salvadoran Colon is the currency of El Salvador. Our currency rankings show that the most popular El Salvador Colon exchange rate is the USD to SVC rate. The currency code for Colones is SVC, and the currency symbol is $. Below, you'll find Salvadoran Colon rates and a currency converter. You can also subscribe to our currency newsletters with daily rates and analysis, read the XE Currency Blog, or take SVC rates on the go with our XE Currency Apps and website.
Notice: As of 2001, the Law of Monetary Integration allows the circulation of the US dollar (USD) in Salvador with a fixed exchange rate of 8.75 colones. The colon is still legal tender, however it is no longer in circulation and is rarely used.
Top SVC Exchange Rates
Currency Facts
Name: Salvadoran Colon
Symbol: $ Centavo: ¢
Minor Unit:
1/100 = Centavo
Top SVC Conversion:
Top SVC Chart:
USD/SVC Chart
Inflation: -0.90%
Freq Used: $1, $5, ¢5, ¢10, ¢25, ¢50
Rarely Used: ¢1, ¢2, ¢3
Freq Used: $1, $2, $5, $10, $25, $50, $100, $200
Users: El SalvadorHave more info about the Salvadoran Colon?
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Matches are made in heaven
A happy marriage is a new beginning of life, a new starting pint for happiness and usefulness.
Nothing in life is as good as the marriage of true minds between man and woman.
A happy marriage is the best thing life has to offer.
Treasure the love you receive above all. It will survive long after your gold and good health have vanished.
Be kind to one another. This is the Golden rule of marriage and the secret of making love last through the years.
I know some good marriages--Marriages where both people are just trying to get through their days by helping each other, being good to each other.
The key stone to any marriage is one word: "WE".
For there is nothing better in this world than that a man and woman, sharing the some ideas, keep house together.
May you two always be in love! May happiness increase with age.
Best wishes to a wonderful pair for love and joy and happiness to share.
May hour hopes and dreams come true and may the years ahead be filled with happiness for you.
To the bride and groom love and happiness, love and always.
Congratulations to the groom, best wishes to the bride. May your path be long and filled with joy.
May your marriage be the beginning of a new period of domestic happiness.
May the love you've discovered as husband an wife grow richer and deeper each day of your life!
A successful marriage requires falling in love many many times.
A married couple are well suited when both partners usually feel the need for a quarrel at the same time.
Mind, not body, makes marriage lasting.
Successful marriage demands a certain death to self.


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he Weymouth Preservation Society is dedicated to preserving the history and enhancing the beauty of our historic Western Reserve village. We have restored the historic 1925 Weymouth School into a museum with exhibits of local history. We are open the second Sunday of every month from 2-4 or by appointment.
We have accessioned over 900 items, including this Walking Spinning Wheel donated by a descendant of Gad Blakslee, one of the original settlers to our area 1817. We have a file on each early resident and over 150 pages of documentation on early buildings. We transcribed the diaries of Newman Van Deusen, a local resident who wrote every day from 1863 to 1929, telling us much about life in our area over those years.
Above is the Walking Spinning Wheel recently donated by an ancestor of Gad Blakslee, one of the original settlers to Weymouth in 1817.
In 1890, Charles Salisbury picked up a silver piece in 'Weymouth Creek' with Graccie Collins V 1720 stamped on it.
A Colonial Spanish silver coin (Lima, Peru mint markings) found on a property on Cook Road in 2016.
Here is a Link to the diaries of Newman L. Van Deusen (1847-1930) that span 67 years of his life! Van Deusen lived in nearby Hinckley, Ohio, and wrote in his diary every day from 1863 to 1929. These notes were transcribed from the original journals. His writings are valuable in understanding the incredible changes that took place during his lifetime, right in our own local area.
Van Deusen Diaries 1847-1930
Here is a Link to the database the WPS has researched about the doctors who lived in Weymouth and served our area from 1829 through 1937. Their biographies show the important and interesting lives that our doctors led throughout their careers in Weymouth and beyond.
Doctors of Weymouth 1826 to 1937
The WPS is dedicated to the continuous improvement and beautification of Weymouth's Historic School Building, Historic Weymouth Cemetery, and other historic aspects of the village. Here are just a few of the past and present projects of the WPS.
2014 Weymouth Cemetery Restoration Project:
In 2014, members of the WPS worked to repair and restore nearly all of the tombstones and the overall grounds of the Weymouth Cemetery. Click to learn more about this project.
2015 Medina Township Historical Driving Tour:
The WPS created, in conjunction with the Medina County Visitors Bureau, a driving tour of Medina Township, showcasing many of the unique historical sites located across the township. Click to access the driving map and legend.
Click Here to Learn more about this great FREE Library located right in Weymouth Ohio!
Little Free Library's motto: "Take a Book, Return a Book".
2016 Halloween Hayride and Trick-or-Treating
Here's an example of just one of the fun community activities that the WPS participated in during the Halloween Season, 2016.
The WPS will be celebrating Weymouth's 200th Birthday with special events all throughout 2017! Take a look below for more details.
SOLD OUT! April 22, 2017 at Noon: Spring Tea Event: "Mentioning Unmentionables"
Kim Parr, Curator of the Crocker Historical Society in Mt Clemens, Michigan will present 'Mentioning Unmentionables" on undergarments from the Middle Ages to World War I, and exhibit the many layers that Victorian ladies wore. Join us for sandwiches and desserts provided by the West Side Market Cafe. Be sure to have a look at our current exhibit "Countryside Life" while at the school. Tickets are $30 ($26 for members) by sending a check to the WPS. Tickets will be held at the door. Seating is limited. Free parking. Exhibit and restrooms are accessible. Contact firstname.lastname@example.com to reserve your tickets today!
May 13, 2017 at 10am-1pm: Annual Plant Sale
Herbs, perennials, heirloom vegetable and tomato plants, hanging baskets and garden-related books and items. Free Admission. Free Parking. Rain or shine.
Starting May 14, 2017, New Exhibit: "Antique Toys from the 19th Century"
Over 100 nineteenth-century boys' and girls' toys, games, tools, clothing and household items from a 60-year private collection. The exhibit is open the second Sunday of every month from 2pm to 4pm or by appointment at 330-697-4320. The museum is free and accessible, with free parking adjacent.
July 29, 2017 at 6pm: Happy Birthday Weymouth Pot Luck Dinner!
Our sixth annual Potluck Supper and annual meeting at the school will be an opportunity to celebrate our 200th year. Please bring a covered dish to share. We'll provide birthday cake, drinks, and table settings.
September 16, 2017, 9am-5pm Weymouth Day Lawn Sale
Community-wide lawn and garage sale in its 32nd year. Stop at the historic school, home of the WPS, for Root Beer Floats and to see our exhibit on children's antique toys, open from 10am-4pm. Boy Scouts will be selling sandwiches, desserts and drinks. Free Outdoor Booth Spaces, so bring your tents and tables to sell your goods. Rain or Shine. Contact email@example.com for more details.
October 8, 2017, from 2pm-6pm: Tours of the Historic Weymouth Cemetery
You'll learn about the recent restoration, locating lost gravestones, and who our illustrious "residents" are, some born in the 1700s. Free. Parking at the school adjacent.
Members of Leadership Medina tour the Weymouth Cemetery in 2016. The 1840 one-room schoolhouse is behind them on the left and the Weymouth Preservation Society is housed in the 1925 red brick school to the right.
Click Below for the Tour Flyer
Current Exhibit through April, 2017: The exhibit in our museum for April is 'Countryside Life' with over 200 artifacts illustrating child rearing, housekeeping, communication, social life, home care and transportation in Medina County villages and farms in the 19th century. It is open on April 9 from 2pm-4pm, or available until then by appointment.
New Exhibit starting May 14, 2017: 'Children's Toys of the Nineteenth Century'. Over 100 nineteenth-century boys' and girls' toys, games, tools, clothing and household items from a 60-year private collection. The exhibit is open the second Sunday of every month from 2pm to 4pm or by appointment at 330-697-4320. The museum is free and accessible, with free parking adjacent.
As part of Weymouth's bicentennial celebration, the WPS will offer plaques for houses in the greater village area. They are 9″ x 15", solid cast aluminum. The plaques cost $80 each, but the WPS will underwrite half of the cost for buildings over 100 years old. The plaque will show the date and the original builder which we will research for you, and have our pine cone logo at the top. If you would like to order one, please contact firstname.lastname@example.com or 330-697-4320 for more information.
We welcome your participation in our events and activities. Please provide your email address or phone if you'd like to be on our mailing list.
Membership levels:
- Single – $10
- Family – $20
- Contributor – $50
- Sponsor – $100
- Any amount welcome!
If you have any photographs, artifacts or information to share, your items would be welcome as tax-deductible donations or loans. We'll take good care of them!
Current WPS Board of Trustees:
- President: Susan McKiernan
- Vice-President: Mary Doermann
- Board Member: Richard Clark
- Board Member: Scott Benson


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Los Angeles , CA (PressExposure) May 23, 2012 -- Valensi Rose, PLC, a top Los Angeles law firm, welcomes Louis E. Kempinsky to its expanding practice. Mr. Kempinsky is a seasoned trial attorney specializing in business and commercial disputes. His practice encompasses trial and appellate work in Federal, State and Bankruptcy courts. Mr. Kempinsky has been lead counsel in numerous jury and non-jury trials involving a wide variety of substantive issues, including real estate, contract, corporate, business torts, Commercial Code, lender liability, bankruptcy, franchise, corporate governance, professional accountability, partnership, environmental, trademark and other intellectual property. He also has extensive experience representing the interests of both creditors and debtors, along with all other constituencies involved in bankruptcy cases and out-of-court workouts and restructurings.
"I am enthused about the opportunities presented by this move," said Mr. Kempinsky. "At Valensi Rose, I will enjoy a broad base of support working with accomplished and talented attorneys in all of its practice areas. With a reputation for providing stellar service and expertise to its clients and the community," he continued, "I am thrilled and honored to have been asked to be a part of the tradition of this respected institution."
While Mr. Kempinsky has been privileged to represent successfully at trial both entrepreneurs and Fortune 100 companies, he is just as proud of his accomplishments in enabling his clients to enforce and protect their rights, as well as, to advance their short and long-term interests, without the necessity for protracted litigation. To achieve those goals, he pursues a course of proactive counseling along with ongoing efforts to address client issues well before they reach the courthouse steps.
When not working on behalf of clients, he acts as a mediator or arbitrator to assist others in dispute resolution. Mr. Kempinsky also writes and lectures frequently on matters relating to business litigation, trial practice, and corporate governance. He is active in the community and in local and national bar associations. Mr. Kempinsky has been honored by the American Bar Association for his work in the Section of Litigation and, at his prior firm, was recognized by U.S. News & World Report for providing top tier legal representation. Mr. Kempinsky has for the past eight years had the distinction of being named a California "Super Lawyer" by Law and Politics Magazine and Los Angeles Magazine. He currently serves on the board of The Constitutional Rights Foundation . Mr. Kempinsky and his wife Corrinne are avid wine collectors, enjoy travel, the theater, and bicycling.
Mr. Kempinsky received his B.A. in Economics from Rice University and his J.D. from Columbia University School of Law.


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With the start of another week comes another round of information on the Mir Display Server out of Canonical.
The Ubuntu Tech Board approved last week that Ubuntu GNOME is now an official flavor/derivative of Ubuntu Linux.
Rick Spencer of Canonical wrote last week the straw-man proposal to make Ubuntu a rolling release distribution. While there's some concerns over moving to a full rolling release process for non-LTS Ubuntu releases, he is seeking feedback on three possible proposals for handling future Ubuntu Linux releases.
Following a tough week for Canonical with controversies surrounding the Mir Display Server and uncertainties about whether Ubuntu 13.04 would be released or turned into a rolling release model, Sam Spilsbury one of the lead Compiz developers and former Canonical employees, had some harsh words for the Ubuntu backer.
Mark Shuttleworth has written a third blog post today. After he started blogging to come to his defense on Ubuntu, he's written a third post that largely is defending Canonical's position on developing the Mir Display Server and the feelings right now by derivatives like Kubuntu and Xubuntu.
Mark Shuttleworth hadn't written on his blog -- where he posts just a few times per year -- since last December. That changed this morning though where he's already written two separate blog posts to come to the defense about Ubuntu rolling releases and saying criticism is misplaced about Canonical not taking care of the Ubuntu community.
Following word earlier this week that "Unity Next" is being written in Qt/QML and that this next-generation Unity desktop will run on the Mir Display Server and be a converged user-interface from phones and tablets to the Ubuntu desktop, more of Unity's future was talked about at the online UDS.
While Ubuntu developers still are set on continuing to use their own Upstart event-based init daemon rather than the widely-used systemd, the developers at Canonical are planning to begin using systemd's logind component.
Another item discussed on the first day of the virtual Ubuntu Developer Summit is about the roadmap for the Ubuntu SDK.
With Ubuntu preparing itself to land on tablets, smart-phones, and other consumer devices, Canonical is beginning to look at ways to support multimedia content protected by Digital Rights Management.
At the first day of Canonical's inaugural virtual Ubuntu Developers' Summit, it was decided to release Ubuntu 13.04 as scheduled. The fate of turning Ubuntu into a rolling release distribution for non-LTS releases is undecided.
If you are now to look at Ubuntu's Mir specification page for their new display server, you will see that their open criticism of Wayland/Weston has disappeared.
The latest coverage of today's surprise announcement of Canonical developing Mir, their own display server for Ubuntu, is information on building and running the Mir display server with the code they open-sourced today. There's also a Phoronix video showcasing the (sad) state of the Mir client demo.
Given Canonical's lack of upstream involvement with the development of X.Org, DRM, and Mesa/Gallium3D over the years, it was interesting to see who at the company is actually on-staff to work on the just-announced Mir Display Server for future releases of Ubuntu.
It shouldn't be a surprise that Canonical has been moving the Ubuntu desktop (namely, Unity) in the direction of Qt/QML over GTK. The Unity phone/tablet interface is using Qt as is other components and for the next major iteration of Unity they're seeking for it to all be written in Qt/QML.
Canonical developers are again taking a serious look at moving Ubuntu over to a rolling-release model. Under this form, there would be the Ubuntu Long-Term Support (LTS) releases every two years but between that new packages would be pushed out on a rolling-release basis.
Performance testing of Ubuntu Linux -- in the form of the brand new Ubuntu Touch Developer Preview -- on the Google Nexus smart-phones continues to move forward, but so far findings are mixed.
Here's some more details on my adventures with the Ubuntu Touch Developer Preview after experimenting with it for a little more than 24 hours on the Google Nexus 7 and Nexus 10 devices.
One of the first things I wanted to check when installing the Ubuntu Touch/Tablet Developer Preview is seeing what display server / compositor was in use by this newest Ubuntu Linux variant. Wayland? Compiz on X?
The initial Ubuntu Phone/Tablet Developer Preview images for the Google Nexus 4, 7, and 10 devices are now available for those wanting to try out this touch-optimized version of Ubuntu Linux.
The countdown for the Ubuntu Tablet announcement that began yesterday is now over.
Canonical has made it not so subtly known that they will be making an Ubuntu tablet related announcement tomorrow.
Canonical will be releasing a preview of their new Ubuntu Phone platform next week for the Google Galaxy Nexus.
There's a report out today that Ubuntu will begin to ship on smart-phones beginning this October.
There's been talk already this morning in the forums, Twitter, and via email to Phoronix that Canonical is allegedly developing its own display server rather than using X.Org/X11 or Wayland.
Starting with Ubuntu 14.04 LTS next year, Canonical may switch Ubuntu Linux to a rolling-release model whereby package updates the bi-annual Long-Term Support releases would be the official images with rolling package updates for those releases.
If you are an Ubuntu Linux user and rely upon Intel integrated graphics, Ubuntu developers could use your help in trying out Intel's SNA as they decide whether to enable this experimental acceleration architecture in Ubuntu 13.04.
Ubuntu 12.04.2, the first Long-Term Support point release of Ubuntu Linux where new hardware support is back-ported to the LTS release, has been delayed.
The Compiz window manager is not going to be ported to Wayland. The lead Compiz developer also sees no reason to continue the compositing window manager's development beyond maintenance purposes.
With 2012 quickly coming to a close, Mark Shuttleworth wrote a blog post this morning about his views on Ubuntu Linux in 2013.
1096 Ubuntu news articles published on Phoronix.


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Othyus Jeffers tried to chase down Miami Heat reserve guard Eddie House, but when House flipped the ball back to the trailer, all Jeffers could see was a 6-foot-9, 260-pound locomotive charging at him. When LeBron James caught House's pass, Jeffers had little time to think, so he just threw both hands in the air, hoping the officials would call James for an offensive foul.
"My instincts tried to kick in. I was like, 'Should I foul him? Nah, he might take me up with him. Let's try to take a charge,' " said Jeffers, not realizing that he was standing inside the restrictive circle.
James dunked, sending Jeffers crashing backward near the basket support. But as James hung on the rim, swinging around as if he were on a jungle gym, and Dwyane Wade howled at the fallen victim, Jeffers reacted the only way he knew how. He grinned.
"I'm on ESPN one way or another," Jeffers said with a laugh.
How Jeffers could find humor from an embarrassing situation says a lot about the swingman the Washington Wizards signed to his first 10-day contract on March 17. But for a player who has overcome so many personal and professional obstacles just to be in the NBA, Jeffers doesn't see any reason why he shouldn't keep a smile on his face.
By the time he was a senior in high school, Jeffers had already lost two brothers to gun violence on Chicago's West Side, where the 25-year-old grew up a few blocks from United Center. And while in college, Jeffers came to the defense of his sister during a dispute with her boyfriend and wound up getting shot in the left thigh. Luckily for Jeffers, the bullet took a strange path in and out of his leg, avoiding any major arteries, and he said he was back on the court playing basketball a week later.
"So many things could've took me the wrong way," Jeffers said. "My family prepared me for bad situations, I went through bad situations at an early age. I knew how to channel things in certain ways, so that it wouldn't keep me from doing things in the future."
Jeffers has channeled those hardships into the way he plays. He goes hard the moment he steps onto the floor — playing dogged defense, relentlessly going after rebounds and fighting for extra possessions despite being generously listed at 6-5, a height the compact and chiseled Jeffers doesn't deny is inflated. He has played nine games with the Wizards, averaging 4.6 points and 3.3 rebounds in 17.2 minutes per game.
A two-time NBA Development League all-star from the Iowa Energy, Jeffers earned Coach Flip Saunders's trust when he harassed Golden State's Monta Ellis in the fourth quarter of a loss. He then helped the Wizards get their second road win of the season the next night when he grabbed five offensive rebounds against his former team, the Utah Jazz. And on Wednesday, he helped the Wizards stay competitive with the Heat by defending both Wade and James and adding career highs with 15 points and eight rebounds, snatching a few rebounds over the 6-foot-11 Chris Bosh.
Jeffers's tenacity didn't go unnoticed by Wade, a fellow Chicago native, who walked up to him after the game to give him a hug and some encouraging words. "It's all about respect. At the end of the game, they gave me handshakes," Jeffers said of the Heat. "That's my job. I did my job. Job well done. That's what they pay me for. That's what I go out there and do.
"It's basketball. It's nothing hard. I've been doing it my whole life," said Jeffers, who went undrafted out of Robert Morris (Ill.). "I always played against taller people. That had nothing to do with it. Get in the right position. Beat him to the spot. Jump and grab. Confidence wasn't ever an issue with me. It was finding the right spot and it presented itself with the Washington Wizards and the coaches giving me a chance."
With John Wall serving a one-game suspension for swinging at Heat center Zydrunas Ilguakas, Jeffers made his first career start Friday against Cleveland and responded with 13 points and four rebounds. He'll go back to the bench when Wall returns on Sunday for the Wizards' game at Charlotte, but Saunders will continue to give Jeffers significant time on the floor because of his infectious energy.
"I love his competitiveness. I love how hard he plays," Saunders said. "He's not playing like there's someone behind him. He's playing like he's chasing somebody, like he's hungry. I think our guys are playing like that right now, and I think that's a positive."
Saunders found it amusing that Nick Nurse, Jeffers's coach with the Iowa Energy, called all weekend to see if the Wizards would release Jeffers, with the D-League playoffs underway.
"Do I miss it?" Jeffers said of the D-League. "I miss the faces. I'm in the best place in the world right now. They'll forgive me. This is the NBA. Who am I? Who am I? I'm Othyus Jeffers."


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I am a Male carer with general care experience within Live in care work, I also have 2+ years live in care experience. I am looking for work Nationwide.
My English language level is Advanced
I have a Full License
Live In Care Experience: 1-3 Yrs. Yrs
General Care Experience: Live in care work
Gender: Male
Looking for work in the following Locations:
Other Information
English Language Level: Advanced
Driving Licence: Full License
Care Qualifications:
Care Skills: Manual Handling, Personal Care
Current DBS: N/A
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