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FUNDRAISING runners who helped cancer sufferers are being urged to return their sponsor money.
More than 1,500 kindhearted women made this June's Race for Life, in Hartlepool, a huge success.
But their entry fee only covers the event's cost and runners are reminded that it is sponsorship money which makes the real difference.
So far just £64,000 has been returned – less than half Cancer Research UK's £160,000 target.
Last year under half of the women who completed the race didn't return any sponsorship and organisers want to avoid a repeat.
Hartlepool race manager Holly Howey said: "We want to say a heartfelt thanks to everyone who took part or supported our participants.
"Now the big day is over we are asking our supporters to take one last step by returning the money they have raised so we can go on funding much-needed research."
Every hour around two people are diagnosed with cancer in the North-East.
Since Race for Life was launched in the region back in 1996, fundraisers have collected more than £10m to help research.
Holly added: "Without the sponsorship money, Race for Life can't fund all the research that's needed to help save more lives.
"As the number of people diagnosed with cancer in the North-East continues to rise, and the economy tightens, we need the support of local people now more than ever."
To return money visit www.raceforlife.org or call 0871 6411111.
Alternatively send a cheque, payable to Cancer Research UK, to Race for Life, PO Box 442, Northampton, NN3 6UU.
Runners who completed this year's event also book a pre-paid place for next year's race for the reduced price of £10 by the end of September.
For more information visit www.raceforlife.org/earlybird.
l Mail view: Page 8


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- Cars
- New cars
- Hyundai
- Hyundai Elite i20
- Reviews
- High Maintenance ;)
High Maintenance ;)
User review on Hyundai Elite i20 written by Deepak on 10 March 2015
Deepak's review on Hyundai Elite i20 Sportz 1.4
Year of Manufacture : 2013 | Driven no. of Kms. : 1589
- Pros: All n all nice
- Cons: Location of service centers
My father bought the Sportz 1.4L, CRDi diesel variant of Hyundai i20 Elite two years ago and now he is planning to sell it out as it is causing him a lot of trouble. The far-off location of the service centers of Hyundai has been one of the issues he has been facing since he bought this car. Whenever, he thinks off getting the service done, the other thought comes into his mind to take two leaves from his office. His another issue is the high cost that he spends on its each service as its is diesel variant, which needs high maintenance.
Read more →
User Reviews for Hyundai Elite i20 Competitors
Maruti Suzuki Swift
Honda Jazz
Hyundai Grand i10
Maruti Suzuki Baleno

subset: commoncrawl


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NBA Champions
MVP Winners
All-Time Leaders
1986 All-Star Game Boxscore
East 139, West 132
GAME 36: at Dallas, Feb. 9, 1986
MVP: Isiah Thomas
Coaches: East: K. C. Jones, West: Pat Riley.
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An illustration drawing without any word(s), letter(s), or number(s)
Clothing, namely, belts, gloves, footwear, headgear, namely, bandanas, caps, headbands and berets
Business in 6814 Cadempino, CH


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Campaigns to focus on 16 states in the race to 270
Something to think about Ogden, UTApril 16, 2012 9:30 a.m.
Why is Utah not an important battle ground state? Because we don't matter! We get ignored by the Democrats because they struggle to win here and the Republicans ingore us because they know they have us in the bag!
It's a huge frustration to be so predictable that we loose out on all fronts!
christoph Brigham City, UTApril 15, 2012 9:34 p.m.
Pres. Obama was elected in 2008 to reform health care(he rammed nothing through---campaigned for the presidency for 18 months); no surprises with his actions. It may be considered un-constitutional in June by the Court, in which case Pres. Obama wins in a landslide in November.
greenman108 Petaluma, CAApril 15, 2012 8:40 p.m.
Does the AP think the 2010 midterms were meaningless? Did we forget about the ramming through of Obamacare?
1. only 36% of registered voters voted in 2010. It will be more like 70% in a general election.
2. We elected members of Congress to do the people's bidding. More congressmen voted for the bill than voted against it. Back home, we think of that as Democracy in Action. Its not ramming it home. That is a dramatic metaphor with no action import. It was by more than majority vote. Sure you may not like some provisions, but most people like most provisions. Only 1/3 dont like it and want it gone. 1/3rd wanted the public option and dont think this bill went far enough. 1/3 like what we got, pretty much.
atl134 Salt Lake City, UTApril 15, 2012 8:02 p.m.
"Does the AP think the 2010 midterms were meaningless?"
They are meaningless when you're asking people about 2012 and these polls are what they are saying. Fact is people are not impressed with the republicans they voted in and the reason Obama leads in almost every poll is because his favorable/unfavorables are around 47-48 while Romneys' are around 40-50.
Howard Beal Provo, UTApril 15, 2012 7:26 p.m.
Never predict an election, we should have learned that from 2000. And certainly, it way too far out to even predict how these swing states will go. If gasoline is $5 plus a gallon, not good for Obama. If the economy recovers, good for Obama. Of course, there could be any number of political crises across the globe. A skeleton could be found in someone's closet. Again, much too early to predict and with our instant news cycle, one can't be comfortable of anything until maybe Monday night before the election. Then again, that would just be a maybe...
Henry Drummond San Jose, CAApril 15, 2012 5:49 p.m.
Insightful article, but I think it is missing one important issue. The very thing the Republicans think is going to help them in this election is going to sink them and that unemployment. This is because Romney has consistently opposed the federal assistance to these hard hit states. People in Michigan are not going to remember that George Romney was a popular governor fifty years ago, they are going to remember that Mitt Romney opposed the bailout of the auto industry three years ago. That's why he is behind in almost all of these states with high unemployment.
LovemesomeCougars LAYTON, UTApril 15, 2012 3:37 p.m.
The AP would love for voters to forget about the 2010 midterm elections, Obamacare, the jobless recovery, etc.
Recently, Dean Singleton, chairman of the Associated Press board, introduced President Obama at a speech to news editors in Washington. But Singleton didn't just tell the audience the president was the next speaker—he offered lavish praise for Obama while reading a statement that sounded like a 2012 reelection ad.
Does the AP think the 2010 midterms were meaningless? Did we forget about the ramming through of Obamacare?
Obama has been a disaster. The liberal media helped elect him by ignoring his inexperience and radical associations, but now he has a record.
williary Kearns, UTApril 15, 2012 1:00 p.m.
Important to look at this type of information, as opposed to polls. This shows the huge uphill battle Romney has ahead of him. Obama is searching for 29 more votes, Romney needs 89. Romney better start with Florida, because right now, that's the only state Obama needs to swing to end this. That would be a start.
I think this map looked a lot different before the GOP primary, pre-Conservative puppet Mitt. The Ryan budget will kill him in Florida. His anti-immigration policy will hurt in Colorado, Nevada, New Mexico. Mitt's "Santorum" social views will hurt him in Ohio and New Hampshire. And the GOP's attack on women will pretty much put the election away for Obama. Independents who would have been more supportive of Mitt 6 months ago, are scrambling back to Obama as the GOP has pulled Mitt in.
atl134 Salt Lake City, UTApril 15, 2012 10:20 a.m.
Ohio, Virginia and Florida. Those three are the most important. Something like no president in 50 years has won without taking at least two of them. All three have Republican governors that have angered their constituents (Kasich's union bill that was overturned, McDonnells ultrasound bill, and Scott's... they just don't like Scott but Romney's embrace of the Ryan budget as well as Ryan possibly being VP means the Ryan budget becomes a key issue in the senior state).
JBQ Saint Louis, MOApril 15, 2012 9:15 a.m.
Very good analysis. It appears that if one state can be singled out as the "keystone", it would be Florida with lots of retired folks and Hispanic voters.
Mark B Eureka, CAApril 14, 2012 10:28 p.m.
Thanks for including this article. Looking at day-to-day polls can make a person forget that the election is won state by state. A good follow up would be to show where the parties are strong from an organizational standpoint, and where they are weak, depending on a windfall of outside cash to save the day.


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The story is about Eva, a Ukrainian girl who has come to Milan to work as a model. As soon as she arrives in Italy she attracts the attention of the male world. All of the men that she encounters seem to be solely interested in exploiting her beauty: and so we have Luke, the stalker, who never stops tormenting her with text messages and phone calls; Airoldi, the shady television producer, who offers her various jobs in exchange for her sexual favours, and lastly, Tom, a vile photographer, who has no scruples whatsoever. After being raped at a party by Tom and two of his colleagues, Eva is invited by Cindy, her flatmate, to a sort of Sabbath, attended solely by women, in a place outside Milan. From that moment on, the gateway to success in the fashion world opens before Eva and, at the same time, a tremendous vendetta begins against the violent male world.
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An the iGaming market that just keeps getting better with each and every month just got a little bit better yet again. Within the last couple of days, two of the industry's top software providers released new video slots that are sure to catch the eye of players from all over the world.
About King Kong Cash by Blueprint Gaming
First up, Blueprint Gaming just announced the release of its new King Kong Cash slot, and from the looks of it, they aren't monkeying around. It's worth noting that the game is being released exclusively on the Sky Vegas online casino site.
King Kong Cash comes with brilliant graphics and some very entertaining video and audio features. The game format includes 5 reels and 20 pay-lines. While the player will encounter the regular low-paying, scatter and wild symbols, it's the game's bonus symbol that creates all of the excitement. By landing 3 or more Kong Bonus symbols, the player earns the opportunity to enter the jungle and play a group of escalating bonus games, which include Barrel Blast, King Kong Trail, Golden Barrel Super Spin, Banana Cannon Wilds and King Kong Streak, in that order. The higher the player climbs, the bigger the prizes.
Not to be outdone, Microgaming announced the release of its new Karaoke Party video slot. With this new game, Microgaming is able to tap into the fantasies of players who have always dreamed of being superstar singers. Once again, players can count on the colourful graphics, video features and especially the audio soundtrack to keep them happy and entertained.
Microgaming's Karaoke Party Slot Highlights
The game format comes with the requisite 5 reels and 9 pay-lines. It's worth noting that this game is significantly simpler that the aforementioned King Kong Cash. With Karaoke Party, the player encounters standard, low-paying symbols and a wild symbol that substitutes for any of the other symbols, excluding the scatter. The scatter symbol, represented by rolling dice, leads the way to free spins with a 3x multiplier.
Some players might find it disappointing that the game is played without any interactive bonus features, but the opportunity to win as much as 150,000 coins on a single spin makes the game worth the time and effort it takes to play it.
While you can already play the King Kong Cash slot, you have to keep an eye on the latest updates to be among the first to play the upcoming Karaoke Party, which is scheduled to release in the near future.


text: I did a factory reset this morning to try and get my Cappy battery going better. I was rooted but did not have any ROMs on it. I am trying to reinstall Market Access but it won't let me because "my phone is set to block installation of applications not sourced in Android Market". Did factory resetting my phone unroot it too? I see under the applications drawer that Superuser Permissions is still on my phone. Am I missing something? On another note... I do think my battery is FINALLY getting better!!


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Tested by mum Lorna Ward for the M&B Awards 2017:
Would you recommend this to other mums?
I love love love this product. When I was pregnant my friends told me to invest in one but they never appealed to me, and I probably would never have brought one if it hadn't been for me testing the product! This is so easy to use, very soft, washes well and my little boy loves it.
How did this product make your life easier?
My little monkey was always kicking his sheets off and his feet were always so cold in the morning. But this product keeps him snuggled up all night long, no more tucking him in. In fact he was so snug the first night I used it he slept through.
Would you choose this product to win?
I love the fact you can get different togs for warm and cold weather. The poppers are covered with fabric so no chance of the catching during the night. Very spacious so they can still have a wriggle, also they can't cover there face or slip down underneath the covers.
What changes would you make to this product?
I would increase the patterns available to make them more desirable. Other than that I don't think there's is any thing else I would change about this amazing product. It is an essential for every mum.
Tested by mum Hollie Quilter for the M&B Awards 2017:
Would you recommend this to other mums?
I already recommended the Grobag to a friend! It had a beautiful design and was a lovely product. My 14-week-old baby seemed to be extremely comfortable, it was easy to wash and stayed soft. I was extremely pleased with it - I wouldn't use anything else now, it was baby luxury.
How did this product make your life easier?
It made my life easier as a mum because I wasn't using lots of blankets. If my baby is happy then I'm happy.
Would you choose this product to win?
It was comfortable, a good thickness - there are different togs avaliable but I found the 2.5 to be more than enough for my munchkin. It was a beautiful colour and design too; I really loved the picture on the front was very nice and an extremely good quality.
Tested by mum Tanya Cook for the M&B Awards 2017:
Would you recommend this to other mums?
Grobag are the pioneers of the sleep bag system and as such are the trusted experts. Their affiliation with the Lullaby Trust and the handy features such as the thermometer and information on how many layers babies should wear means I trust their products more than other similar ones on the market. Our baby has been using hers since 4 weeks and definitely sleeps more soundly because of it.
How did this product make your life easier?
I love the ease of zipping them in and out. The side and bottom zippers makes access for nappy changes easy and the poppers under the arms means you can tailor the fit to the size of your baby as she grows. Finally the travel sleep bags make transporting them from bed to car without waking them a reality.
Would you choose this product to win?
Yes, the sheer quality and range of bags make them the market leader. In fact gro bag is as synonymous with baby sleep bags as Hoovers are to vacuum cleaners. Recently they have collaborated with designers such as Anorak meaning not only are the bags, flexible, safe and practical but they are also on trend and design friendly too. I love the safe sleep tog system and everything this company stands for.
What changes would you make to this product?
If anything I would love them to bring the price down slightly as realistically you need a few bags for each stage and season. Also more design collaborations to produce funkier designs. Other than that there is nothing I would change about gro bags they know what they are doing.
Tested by mum Elizabeth Armitage for the M&B Awards 2017:
Would you recommend this to other mums?
I love the design features of the 0-6 month Grobag. The side zip makes it really easy to get your baby into the sleeping bag without waking them and the zip cover means that you can be confident that the zip wont poke into your baby and hurt them or make them uncomfortable in the night. I also really liked the little poppers underneath the arms which mean that you can stop the sleeping bag riding up and coming over the baby's face when they are still small. The Grobags do tend to be more expensive than other brands of infant sleeping bags, however, I feel like it is really a case of you get what you pay for and this item is definately worth paying a little bit extra for.
How did this product make your life easier?
The side zip made getting my baby into his sleeping bag when he was half asleep a doddle! I feel much more comfortable leaving my baby to sleep in his Grobag than I would in loose sheets, which could either come up over his face or be easily kicked off in the night. The free room thermometer included with the grobag made it really easy to see which tog my baby should be in.
What changes would you make to this product?
My little boy is a very big boy and outgrew his 0-6 month sleeping bag by the time that he was 3months old. So I have now put him in a 6-18 month Grobag, which is also good but has a front zip instead of a side zip, I wish that there was a larger version of the side zipped sleeping bag as I found it easier to get him in and out of when half asleep and during nappy changes in the night.
Tested by mum Jennifer Orr for the M&B Awards 2017:
Would you recommend this to other mums?
Yes, definitely. The Grobag definitely is better than any other sleeping bag that I have used. It washes so well, colour never runs, dries super quick, the designs are very cute and there is a good range for boys, girls, and unisex. It is very safe to use and zips are well covered by material and there is no chance of hurting the wee one.
How did this product make your life easier?
Some of the other sleeping bags I have used are very short and I worry about being to egar to zip him up and catch his toes. The Grobag is a good length, not only avoid catching toes but also more space for my wee boy to move around. The fact that it washes so well and dries so quickly, it makes my life so much easier.
Would you choose this product to win?
I genuinely love it, and so does my wee man. The design is amazing, and the entire product functions so well. I haven't had any issues with loose threads or anything and it definitely holds its price. I also like that the packaging is environmentally friendly and is not over the top.
Tested by mum Amanda White for the M&B Awards 2016:
Why would you recommend this product to a friend/fellow mum?
The design of the Grobag is brilliant - the side zip and shoulder poppers mean that baby is kept safe and secure in the Grobag all night. The side zip also makes for easy access should you need to change a nappy in the night. The Grobag I tested was made from organic cotton and was lovely and soft - my son was very comfortable in it and slept well. The unisex design is lovely and the zip cover is a great feature. Yes, Grobags may be more expensive than those you can buy elsewhere, but they also last longer size-wise and the quality is second to none - the one I tested will 'fit' my son until he's 18 months (he's 7 months now). I loved the cute unisex design too.
How does this product make your life easier as a mum?
I'm a bit of a worrier and have never liked putting my baby to bed with blankets in case he kicks them over his face in his sleep. The Grobag is fantastic & my son loved it. He was comfortable and slept well.... and I slept well knowing that he was safe & couldn't get cold or tangled up, like he could have done with a blanket. I will definitely be buying more Grobags.
If you could change one thing about this product what would it be?
I honestly wouldn't change a thing.
Tested by mum Karen Collins for the M&B Awards 2016:
Why would you recommend this product to a friend/fellow mum?
Grobags have great designs and are high quality. With every tog rating available it means you are prepared for any sleep situation. They wash very well and are easy to use. The variety of sizes also means that as children grow they can continue to be snug and safe whilst they sleep.
How does this product make your life easier as a mum?
I like knowing that the material is not going to creep up over my baby's face as they sleep no matter how much he might move at night. That gives me peace of mind. I don't have to worry about tucking sheets and blankets, I can just lay him down in his Grobag and he is ready to sleep
If you could change one thing about this product what would it be?
There isn't anything that I would change. They are good value for money and perform very well in the job they are designed for. There is a large variety of designs already.
Tested by mum Laura Elliott for the M&B Awards 2016:
Why would you recommend this product to a friend/fellow mum?
It is hard to fault the Grobag design. It comes in a large range of classic and fun designs, varying tog ratings and sizes. We tested the 100% organic Grobag which was so soft and snuggly, my baby looked very cosy and content at night. It is great quality and is showing no signs of wearing. Being easy to wash and dry makes the grobag and essential part of the nursey now and I have no need for all those sheets and blankets!
How does this product make your life easier as a mum?
Using a Grobag certainly gives me peace of mind that my baby is safe from wriggling under the covers at night. This is especially helpful now that she has moved to her own bedroom and I can't easily check on her throughout the night. The double poppers give added security.
If you could change one thing about this product what would it be?
If pushed I would say that poppers under the arms for the larger sizes of Grobag (as used for the 0-6 month size) would be a welcome addition for slimmer babies!
2015 – Shortlisted for 'Best Nursery' Award!
The Gro Company's Grobag is a clever, beautifully made product that solves the problem of little ones kicking off their blankets at night.
The Grobag is available in different 'togs' – thicker for winter, thinner for summer. Poppers enable the arms to be adjusted according to size and the sleeping bag also washes well. The designs are lovely; suitable for boys and girls.
It's a practical product – quite pricey but worth the money.
2015 – Shortlisted for 'Best Sleep Product' Award!
The Grobag (by The Gro Company) is made from soft, comfy material that will keep little ones warm at night. There are different 'togs' for warmer or cooler weather (to keep baby at the perfect temperature while sleeping) and details on the back of the Grobag packaging offer guidance re sizing and tog rating. The included room thermometer is also a nice, unexpected addition.
The biggest product flaw is the zip placement; the zip fastens under the armpit, which means that the Grobag must be removed in its entirety for night time changes – a major sleep disruption. On the plus side, both shoulders on the Grobag are fastened with poppers, which makes it easy to get baby in and out of the sleeping bag.
The Grobag comes in a range of fun, funky designs and the material is good quality. Some might consider the product a touch expensive; fix the zip structure and it'll be unabashedly worth its price!
2014 – Sleep Award!
The Gro Company's Grobag is 100% cotton and comes in a variety of fun, funky colours and designs. It is particularly brilliant for restless sleepers who are in the habit of kicking off their covers and waking up cold.
The Grobag is designed for optimum comfort, safety and durability. It's machine washable and tumble-dryer safe, and works well as part of bedtime routine. The product is available in different togs to suit different seasons but there is also an 'all year round' tog that is equally suitable and might save you a couple of pounds (because you only need one Grobag).
The zip can be a bit fiddly and for children who are potty trained and waking up to use the loo at night, the Grobag can prove cumbersome – when time is of the essence; especially if there's a bunk-bed involved! It's also pricey in comparison to other brands but the quality and ingenuity of the product make it worth the extra pennies.
2014 – Nursery Award!
The Gro Company's Grobag guarantees that baby will be covered up during sleep time. The bag stops little ones from kicking off blankets and their legs will not get stuck between cot bars. The bags come in a variety of togs and there is even a design that allows tots to be transferred from a car seat straight into bed – no palaver necessary! The material is nice and snugly and the Grobag washes well.
The zips can sometimes be a bit fiddly and the product is not ideal for older children who will need to use the toilet in the night but for pre-potty trained children, the Grobag is brilliant! It keeps wiggly babies warm and comfortable in all seasons and although fairly pricey, is great value for money!


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3DOcean High Resolution Boy 1714886
3DOcean High Resolution Boy 1714886
3D Model \ Humans \ Male \ Teens and Adults
Male \ People \ Superhero \ Super \ Polygon \ Human \ Hero \ Child \ Base \ Drive
3D Model - High Resolution Boy 1714886 by ClutchTrigger @ 3DOcean
3D Model \ Humans \ Male \ Teens and Adults
3D File Formats Included: .3ds (multi format), .dxf (multi format), .max (3ds Max), .obj (multi format); Animated: No; Created In: 3ds max 2011; Geometry: Polygons; Low-poly: Yes; Materials: No; Poly Count: 2354; Rigged: No; Textured: Yes; UV Layout: Yes.
A highly detailed and textured young boy body base. The model is totally created in quads and is idea for all your needs that require a young boy character. Check out my profile for a cheaper untextured version of the model!
Space Sector 1.C; Deep Sea Buoy; Cargo Container Ship; Mister Timber; Space Sector 1.B; Space Sector 1.A; Power Girl.
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I Am Affiliated With Gangs
Personal Stories, Advice, and Support 5 People
My boyfriend is in a gang.He has to start going away for long periods and doesn't want to leave me home defenseless, but is scared to take me into such a dangerous situation. I love him, and i want to be there to have his back; whether i live or not
oftenunconscious 22-25, T 0 Mar 3, 2016
GANG AffiliationI AM AFFILIATED WITH GANGS. THE BLOODS IN PARTICULAR. I HAVE BEEN INVOLVED WITH GANGS SINCE B4 I WAS 12. I GOT INTO THE LIFESTYLE BECAUSE I HAVE HAD FRIENDS IN GANGS AND I JUST LIKE THE WAY THE LIFE WAS. I LIKED AND STILL DO LIKE THE EXCITEMENT THAT IT BRINGS. I KNOW ITS NOT A...
gangstagrl400 18-21 1 Response 2 Jul 15, 2009


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My daughter Laura and my niece Debbie attended the same day care when they were 3 and 4 years old respectively. As with most day cares, they served nutritionally balanced lunches that many of the children did not like.
|Jody, Debbie, Jason, and Laura
I learned years later that my niece would eat my daughter's spinach so she could have a second helping of chicken.


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Clichy: Goals will come
By Mark Buckingham
Last Updated: 01/01/70 1:00am
Gael Clichy believes each Arsenal player must become more confident in front of goal.
Gael Clichy believes each Arsenal player must become more confident in front of goal.
In recent weeks, The Gunners' profligacy has cost the team points both on the domestic and continental fronts.
Arsenal were held to a 1-1 draw at home to Newcastle United in The Premiership on Saturday, while they spurned numerous opportunities in the 0-0 draw with CSKA Moscow in the UEFA Champions League earlier this month.
Clichy feels The Gunners have the players to score goals regularly and believes the onus is not solely on the strikers.
"We have plenty of chances to score goals with the players we have got," said Clichy.
"Of course we cannot hide behind bad luck or say 'it is not our day'.
"Sometimes that is true, but we need to improve, all of us, to work harder to get more chances and to score and put the ball into the net.
"We have got the quality and it is just about confidence."
Meanwhile, Arsene Wenger has revealed the pain he feels when Arsenal fail to win, saying: "Every time we do not win, for me it is a disaster.
"Every game we do not win is a real disaster because we want to win every game.
"Every time we do not win a game it hurts me so much. I want to win every game I play for this club and I believe, I hope, I am on the same wavelength as everybody."


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June 13, 2006
Exposure to Communism has made East Germans much more pro-state than West Germans, says the National Bureau of Economic Research (NBER).
According to researchers:
- This effect could arise due to indoctrination (such as teaching the virtues of Communism in the schools) or simply due to becoming used to an intrusive public sector.
- A second, indirect effect of Communism is that by making former East Germany poorer than West Germany, it has made the former more dependent on redistribution and therefore more favorable to it.
NBER found that the effects of Communism are large and long lasting, and it will take one to two generations for former East and West Germans to look alike in terms of preferences and attitudes regarding the role of the government in society.
The citizens' preferences appear to go beyond self-serving beliefs. For example:
- About a third of the difference can be explained by the fact that the East became poorer during Communism and is now a net beneficiary of redistribution within Germany, rather than to an effect of Communism on preferences.
- East Germans are simply much more likely than West Germans to conclude that, "social conditions, rather than individual effort and initiative, determine individual fortunes."
The good news is that while Communist attitudes may still linger, they are waning and, though it may take 20 or 40 years, the two sides will converge, says NBER.
Source: Matthew Davis, "The Effects of Communism on Popular Preferences," NBER Digest, April 2006; based upon: Alberto Alesina and Nichola Fuchs Schuendeln, "Good bye Lenin (or not?): The Effect of Communism on People's Preferences," National Bureau of Economic Research, Working Paper No. 11700.
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Current & Upcoming Events
Members' Morning
Saturday, August 19, 2017 at 8:30am - 10:00am
Bring along your membership card and enjoy a complimentary breakfast while meeting the museum's staff and learning about the upcoming solar eclipse from NASA Solar System Ambassador Linda Gauthier. Not a member yet? Join at the door!


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Roberti to receive ACCESS Award
Steven M. Roberti of Jim Thorpe, who is graduating from DeSales University with a bachelor's degree in finance, will receive the ACCESS Award. Roberti plans to attend law school after graduation.
The ACCESS program at DeSales is one of the most widely respected adult education programs in the region.
To qualify for the ACCESS Award, the recipient must be graduating in January, have at least a 3.75 GPA and submit a one-page essay on their experience in the program. The winning essay is selected, upon review by a committee. The award includes a plaque and monetary gift.


text:
Magento Order Email Confirmation
Προϋπολογισμός $10-30 USD
Magento Order Email Confirmation
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text:
Grand Palladium B�varo Suites Resort & Spa - All Inclusive
Select your stay dates to check availability
Grand Palladium B�varo Suites Resort & Spa - All Inclusive
About the hotel
Property Location
A stay at Grand Palladium Bávaro Suites Resort & Spa - All Inclusive places you in the heart of Punta Cana, convenient to Cortecito Beach and Los Corales Beach. This 4-star resort is within close proximity of Cocotal Golf and Country Club and Palma Real Shopping Village.
Make yourself at home in one of the 636 air-conditioned rooms featuring MP3 docking stations and free minibar items. Rooms have private furnished balconies or patios. Flat-screen televisions are provided for your entertainment. Private bathrooms with separate bathtubs and showers feature jetted bathtubs and complimentary toiletries.
Rec, Spa, Premium Amenities
Pamper yourself with a visit to the spa, which offers massages, body treatments, and facials. After dipping into one of the 4 outdoor swimming pools, you can spend some time at the private beach. This resort also features complimentary wireless Internet access, babysitting/childcare (surcharge), and an arcade/game room.
This resort is all inclusive. Rates include meals and beverages at onsite dining establishments. Charges may be applied for dining at some restaurants, special dinners and dishes, some beverages, and other amenities.
Grab a bite to eat at one of the resort's dining establishments, which include 13 restaurants and a coffee shop/café. Visit one of the 14 bars/lounges, 5 beach bars, and 4 poolside bars for a refreshing drink.
Business, Other Amenities
Featured amenities include a business center, a computer station, and express check-out. Planning an event in Punta Cana? This resort has 605 square feet (54 square meters) of space consisting of a conference center and meeting rooms. Free self parking is available onsite.
Hotel Facilities
- Billiards or pool table
- Beach towels
- Number of restaurants - 13
- Number of outdoor pools - 4
- Number of beach bars - 5
- Conference space size (feet) - 605
- Beach umbrellas
- Tours/ticket assistance
- Number of swim-up bars - 4
- Meeting rooms 7
- Express check-out
- Total number of rooms - 636
- Casino
- Wedding services
- Free use of nearby fitness center
- Nightclub
- Dry cleaning/laundry service
- Pool umbrellas
- Pool sun loungers
- Number of bars/lounges - 14
- Shopping on site
- Snack bar/deli
- 24-hour front desk
- Grocery/convenience store
- On private beach
- Beach sun loungers
- Babysitting or childcare (surcharge)
- Hair salon
- Gift shops or newsstand
- Sauna
- Free self parking
- Number of buildings/towers - 67
- Outdoor tennis courts 6
- Lazy river
- Supervised childcare/activities (free)
- Conference space size (meters) - 54
- Conference center
- Parking (limited spaces)
- Multilingual staff
- Spa services on site
- Children's club (free)
- Number of floors - 2
- Business center
- Turkish bath/Hammam
- Tennis on site
- Free WiFi
- Arcade/game room
- Luggage storage
- Number of meeting rooms - 7
- Free breakfast
- Number of poolside bars - 4
- Computer station
- Fitness facilities
- Terrace
- Garden
- Full-service spa
- Children's pool
- ATM/banking
- Coffee shop or café
Room Facilities
- Air conditioning
- Flat-panel TV
- Free bottled water
- Desk
- Sofa bed
- Pillow menu
- Furnished balcony or patio
- In-room massage available
- Ceiling fan
- Jetted bathtub
- Private bathroom
- Separate bathtub and shower
- Connecting/adjoining rooms available
- MP3 docking station
- Coffee/tea maker
- In-room childcare (surcharge)
- Minibar (stocked, free items)
- Iron/ironing board
- Daily housekeeping
- In-room safe (laptop compatible)
- Free toiletries
- Hair dryer
- Climate control
- Satellite TV service
Hotel Policy
Know Before You Go
- Reservations are required for massage services and spa treatments. Reservations can be made by contacting the resort prior to arrival, using the contact information on the booking confirmation.
- Only registered guests are allowed in the guestrooms.
- The property has connecting/adjoining rooms, which are subject to availability and can be requested by contacting the property using the number on the booking confirmation.
- Some facilities may have restricted access. Guests can contact the property for details using the contact information on the booking confirmation.
- No pets and no service animals are allowed at this property.
The following fees and deposits are charged by the property at time of service, check-in, or check-out.
- Late check-out fee: USD 40
The above list may not be comprehensive. Fees and deposits may not include tax and are subject to change.Show all hotel policy Show less hotel policy


text:
|Wing Area:
|350 sq. in.
|7.5 oz.
|Wing Loading:
|3.04 oz/sq. ft.
|GWS Pico
|Futaba 9Z
|Hitec 555
|4c 110 mAH NiMH
|Isthmus Models
The first time I saw the Zephyr 2 flying two years ago, the modern prototype spiraled up in a thermal on a day when thermals for me were scarce. The javelin toss that sent this agile little craft on its way up was by the hand, arm, and shoulder of Mark Miller owner of Isthmus Models.
The Zephyr 2 is a go-anywhere sailplane, small enough to keep assembled on your back seat or in your trunk, ready to take out for a few flights at the local ballpark during lunch, between meetings, or after work anytime the mood strikes. Its low wingloading and efficient airfoil will satisfy pilots of all abilities. When the opportunity came to build, fly, and review this exciting little classic HLG, I jumped at the chance, remembering the exceptional performance of this little craft in Marks skilled hands. And, I found it filled an essential hole in my quiver of sailplanes between the diminutive Bug I currently fly and the contest-proven SuperGee Im building.
This kit is for the pilot who wants a high performance javelin style HLG at a fraction of the cash and resources needed to build a modern discus-launch glider. The builder will be rewarded with the satisfaction of crafting and owning a little sailplane that is unique to his or her building style, and will stand out from the crowd with its classic good looks, convenient size, and excellent performance. I prefer the lift of the slope above all, and will use the Zephyr 2 as my ultra-lightwind sloper. With a quick toss Ill be able to clear the slopeside trees and get out there to hunt the elusive updrafts and thermals that are too subtle for heavier gliders to exploit. At the thermal field, Ill trade the exercise of chasing the chutes of the winches for the thrill of coring a thermal from my low altitude chucks.
Quality kits are becoming a rarity these days. I recently searched through RCGroups extensive archive of product reviews and found very few kits featured, but a lot of ARFs. The scarcity of kit reviews echoes the hobby market today. I feel some of my fellow flyers are truly missing out on an important aspect of modeling if theyve never built a kit. The skills learned are never regretted. As a kit builder Ive learned skills that have transferred to scratch building, repairing models, and evaluating quality when purchasing ARFs and used models.
The original Zephyr was a classic 1.5 meter polyhedral 2-channel rudder/elevator hand launch sailplane designed for tight efficient thermal turns, good float, and effortless launches. Mark updated Bob Owenss original 1981 Zephyr design. Now its the Zephyr 2. He lengthened the nose to accommodate todays lighter radio equipment and stretched the wings to a 1.5 meter standard. If youre lucky, youll have a copy of the May 1981 Model Aviation magazine that featured the construction of the Zephyr that month to compare. I did.
The 20 long box arrived in perfect condition, with rolled plans, balsa parts, quality hardware and an instruction manual. The small parts were sealed in plastic bags, sticks bound together (straight!), and the sheets of laser-cut wood packed neatly. Everything was included in the kit to complete the model except adhesives, covering, and electronics. The full-size plan sheet was drawn precisely and clearly reproduced. Isthmus Models knows their plans, and an experienced builder would likely have no problem building this plane from the plans alone. The plans did not include rib profiles, an omission that might make future repairs more difficult, but I traced the outlines from the punched-out laser sheets onto a white area of the plans just in case.
I like to have instructions too, and was not let down with those included. The instructions were written clearly, with detailed construction pictures on the last two pages. I notified Isthmus of a few places where I felt the instructions were vague, and the enhancements have already been made. I would also prefer pictures and diagrams to be in-line with the text (like articles here!) and have made that recommendation.
I built the model with aliphatic glue, a small amount of 5-minute epoxy, medium CA and thin CA.
I have a number of CA applicators, which Ive fashioned from a sewing needle. I stuck the sharp end into a short wooden dowel, and cut or file off the very top of the threaded eye. The tool looked very much like a tiny cocktail fork. This tool picked up a precisely metered drop of CA from a little puddle I kept at the edge of my bench. When touched to any surface, the drop of CA wicked away instantly into the workpiece. When the needle became fouled, I just held it in the flame of a lighter to burn off the crusted CA, watching out for the little wisp of smoke.
I found a Dremal Moto-Tool helpful for carving out the interior of the balsa canopy with a large bur, and Dremels cutting disc was the best choice for slicing hardened steel music wire.
A flat six foot table had more than enough room for the building board, sorted kit parts, and tools. I cleared the bench space for building, set down a 2x4 ceiling tile, taped down the plans, covered with wax paper for protection. Then I read entirely through the instructions, and studied the plans. The instructions began on building the fuselage, then the tail group, and finally the wing. Though I usually begin with the wing (the wings the thing!), for this project, I decided to build the model entirely stock and followed the directions exactly.
The fuselage was laser-cut and rapidly assembled directly on the plans. I started with the bottom, gluing on 1/8 sq. balsa along each side of fuselage bottom, then I tacked on the solid balsa nose plug. I set that assembly aside, and built the two fuse sides. Each side had a back half and a front half. I butt glued the front side piece to the rear side piece, glued in ply reinforcements over the joints and ply reinforcements along the top for the wing saddle. I did the same for the opposite side. The fuselage top was tacked in place much later.
A builder can never be too careful when joining the fuselage sides together at the tail. Any alignment error at all will be difficult to correct and will adversely affect the models trim in almost all phases of flight. This was a good time for a break. After a days rest, I returned to the building table fresh and alert and successfully completed this critical step.
Now the fun part, shaping and sanding! Before shaping, the assembled fuselage was blocky, the nose almost square, and the canopy just a balsa block. Marks instructions reassured me that carving this chunky thing into an aerodynamic shape would take only a few minutes and required but modest care and minimum technique. I tacked the canopy on with a few drops of medium CA and began shaping with a small plane. As the profile began to emerge, I switched to a medium grit sanding block to reveal the final shape. Theres plenty of balsa in the corners of the fuse, and the model benefited from aggressive sanding, especially in the tail. Finally, I finished off with a medium-fine grit sanding block lightly touching up and rounding all the corners. Then I used CA debonder to help break free the carved canopy cover. I hollowed out the inside of the canopy with a few strokes of a handy Dremel and a teardrop-shaped bit.
I was very satisfied with my fuselage!
The polyhedral wing was built up in four panels that were later cemented together. It was a D-tube design with 1/32 sheeting forward of the upper and lower spars on top and bottom. Pre-cut shear webs filled in the gaps. Lasers cut ribs provided the support for the spars and the covering.
I gradually learned throughout the construction of the wing, to handle it gently especially when shaping the LE. The 1/32 sheeting was very delicate until it was covered with film. It seemed a thoughtless caress might damage it. I punched my thumb through the sheeting in several places while shaping and sanding the leading edge but it only took a few moments to repair my punctures with spare sheeting from the kit.
I chose Ultracote light transparent white and light transparent purple for the wings and tail feathers. To save weight, Mark recommended finishing the fuselage with two or three coats of water based urethane on the fuselage, leaving it uncovered, which I did. I tinted the balsa canopy with a quick shot of Krylon purple spray paint. Covering the model, a clean task, took about three hours of relaxed pleasant work upstairs on the den table with the family.
Once all the parts were manufactured, assembling the model was very straightforward with no head-scratching at all. The kit came with Dubro micro hardware, so installation of the control horns involved drilling a single tiny hole, pushing the horn into the surface and setting it with a drop of CA. I centered the wing, and drilled the front wing bolt hole, rechecked the wings alignment and drilled the rear wing bolt. Now I had a complete model!
I chose a hitec 555 receiver, two GWS Pico servos, and a four cell 110 MaH NiMH battery in the nose. I was very pleased that the model balanced at the 3.25, which was just past the tail end of the recommended 2.75 to 3 inch CG range.
When I finish an aircraft, Im driven to fly it immediately. Unfortunately our Minnesota Winter is beginning, and with it the cold, the snow, and the wind. This stretch of bad weather is forecast to last til May, but many of us fly anyway. I prefer to do my test flights at a local slope. I like a test flight with plenty of air between the plane and the ground. The most dangerous thing a new plane can be near, on its first flight, is the ground. Ive seen many models damaged on their first test glide, which is completely unnecessary. Keep it away from the ground! At the first break of snow and rain, I bundled up, put the transmitter in a fleece radio mitt, and headed for a hill.
The first test flight was at a local high school athletic field that has an elevated soccer-field with 30 foot slopes on three sides and large expanses of football grids and practice areas beyond. The 15 - 18 mph. west wind blew a little too stiff for comfort, but I was eager to get in a flight. Just by holding the Zephyr 2 aloft in my left hand while working the controls with my right, I could tell that the model needed just one click of down trim to feel just right. It felt like it wanted to fly. Before launching, though, I set the model down and took a picture just in case. Then I launched it with a gentle toss. The Zephyr ballooned up in the lift, so I pointed the nose down to work it forward over the slope. The model tracked well, but in this wind had trouble penetrating. Not a problem, I thought while flying it. The Zephyr 2 was designed for the light winds of a good thermal day, not a gusty winter blow. I crabbed back and forth, gaining and losing altitude with the wind gusts. There was no time to test Zephyrs thermal turns. I was really at the mercy of the wind. After a half-dozen passes, during which I added a couple more clicks of down, I set up for landing. I did a momentary downwind turn to get the model just behind me, banked the model over on its wingtip and pointed it into the wind, and it just hovered down. I picked up the glider, thankful to have it back, and grateful that it rewarded my building efforts with a satisfactory test flight.
Because the controls felt oversensitive, and the model wanted to porpoise, I agreed with the manufacturer on CG range. I felt my model was slightly tail heavy during this quick flight.
Two days later brought south wind and warmer temperatures about 40 degrees -- so I brought the Zephyr 2 to my home slope where the lift frequently is seemingly endless. I did a control check and found that the elevator servo (with just that one brief flight) was flaky. It drifted from center, and was sometimes unresponsive. I hurried to the hobby store and bought a larger Hitec HS55 servo (they were out of the GWS Picos), and in my car broke out the servo tray, pried the gooped-in GWS servo out, enlarged the hole in the tray to accommodate the larger servo, and reassembled the plane. I also added ¼ ounce of lead in the nose, putting it into the manufacturer's recommended range.
Back at the slope, I gave the Zephyr 2 its first real feel of flight. I shoved it gently out and it flew well. In fact, the 10 mph wind created more than enough lift. I had to point the nose down to maintain level flight. I'll bet the nose was two inches lower than the tail in the strongest band of lift.
It is truly a light-air ship on the slope. Today's 10 mph was about the upper limit for this plane. The wind was no problem for penetration, but it was a challenge to keep the little glider low for photographs. At 7.75 ounces (including the needed .25 oz. of lead in the nose) it's a real floater. It indicated lift by raising a wing. When flying directly into lift, the nose rose slightly, and then the whole airframe responded instantly - going up, up, up! The Zephyr 2 didn't noticeably raise its nose in lift, it just moved up within the parcel of air. I then stalled the plane by flying level and adding up elevator. In a stall, the model just dropped the nose, losing just a few feet of altitude before continuing on straight ahead. I then tried unsuccessfully to tip-stall the model.
I kept the rudder at full rate, but hit the switch for elevator, reducing the throw to 60%. I still had all the control I needed, but the Zephyr flew much smoother. I flew the plane several hundred feet out from the slope where the lift was less intense, and trimmed the elevator for level flight. With the model trimmed for level flight in that smooth air, I needed to push a bit of down elevator in the stronger lift to fly level.
I performed the classic dive test out in the smooth air to see if that down elevator in strong lift really was a result of a nose-heavy condition. I climbed about 150' or 200' up and gently pushed the Zephyr 2 into a moderately steep descent. It picked up speed, tracking straight with no hint of flutter. Then I let go of the elevator for the real test. It continued down with no rise or tuck that indicated to me the CG at 3 back from the leading edge was perfect for me.
It's a rudder/elevator sailplane, so it traded the instant response and sensitivity of ailerons for the smoothness and stability of a polyhedral design. Point the nose down, and the Zephyr 2 stepped on the gas. Level it out, and it became a floater. It could even do a carving "bank and yank" style turn, but I had to be careful near the trees as it resisted going from level to a turn as much as it resisted stopping a turn.
This third flight was a good test for the Zephyr 2. I met a friend at a very steep slope with a 60 face with just a notch in the trees to launch through. A nearby flag hung limp about half the time. The Zephyr proved its worth by efficiently harnessing the weak updrafts and making it an effortless flight for me. I concentrated on keeping the glider low for videos. I landed only because I chose to, certainly not from lack of lift.
Then I flew my Weasel, and my buddy his Combat Wing. Neither plane could stay up more than a minute or so in the same lift that was endless for the Zephyr 2.
You're waiting for this part of the flight report, right? The Zephyr is waiting. Im waiting for this day too. Hopefully we'll get a good enough day weather-wise soon, and I'll update this article with this added information!
The model balanced naturally at 3.35 back from the leading edge. On the first short flight, it was difficult for me to maintain smooth level flight, especially in the turns. I added ¼ oz. of lead to the nose, which moved the CG forward to a very responsive 3 back of LE. The plane weighs 7-¾ oz., which is still very respectable for a 60 sailplane.
The manual and plans said nothing of throws, so I set high rates at 100% and low rates at 60%. I was satisfied with high rate for rudder, and flew the elevator at 60%.
This is really pilots choice. I have -30% on the rudder and -40% elevator to fit my style.
The graceful Zephyr 2 is a kit for kit builders; the instructions assume some experience, at least in assembling an ARF. There are many folks in my local soaring club who are better builders than me, but I found the clear plans, excellent laser cut parts, carefully chosen wood, and concise directions allowed me to build a model not only tolerant of my little errors, but a pleasure to behold. Where the Zephyr 2 really shines is in flight. This model is truly a lift-hunter, and a pleasure to fly.
|Thread Tools
Nice to see a built up kit review. Can't remember when I last read a review that mentioned carving and sanding wing tips and leading edges.
Has the airfoil been changed from the original? I'm assuming the flying speed will have dropped significantly along with the weight using modern RC gear.
The airfoil was changed from original to a propriatary airfoil based in an S3014 airfoil. I don't recall how much the original weighed but it was also small er in just about all dimensions. There was probably a trade off of weight savings from smaller radio gear to additional size of materials. Still, 7.5 AUW is pretty good from stock wood from a kit.
Mark Miller
Isthmus Models
Just found a Zephyr 2 kit today and am excited to build and fly it .
Any pointers as far as what to use for a receiver pack . i think i have a new pair of HS 55s i will use.
|Thread Tools
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text:
The bad news, however, is that government-controlled investment is the wrong answer to the wrong question. It assumes that policymakers should focus solely on balancing the program's revenues and expenditures. This ignores the other Social Security crisis—the fact that the tax burden on today's workers is extraordinarily high compared to the benefits received (often referred to as the rate-of-return crisis).
But even if balancing Social Security's long-term finances were the only goal, government-controlled investment would be the wrong answer. This is because a government-controlled pension fund would not face the competitive pressure and legal obligation to make investments solely for the economic benefit of future retirees. As one expert has explained:
[U]nlike a private fund manager, who only wants to see the value of his investment rise and who will sell it if he loses confidence in the company or its managers, highly political public pension trustees are free to pursue political as well as economic objectives.[1]
Giving the federal government that power and control would create large risks for the economy and for the retirement security of today's workers. The Congressional Budget Office, for instance, has warned:
Government ownership of stocks could affect corporate decision making, interfere with the nation's competitive market system, and impede the operation of financial markets—potentially limiting economic growth.[2]
For example, evidence at the state and local levels with public employee pension funds—as well as evidence from similar arrangements in other nations—demonstrates that politicians and their appointees often are tempted to steer the government-controlled pot of money toward special interests, political allies, or corporate contributors.
In addition, even well-intentioned policymakers are not qualified to invest funds and manage money. Simply stated, they do not face the bottom-line pressures that force private businesses and investors to allocate resources wisely. Yet poor investment decisions have serious consequences. Most important, workers would earn lower returns on their money, and even small differences in rates of return translate into less retirement income.
It certainly would be difficult for workers to wind up with less than they are promised currently from Social Security. Nonetheless, it would be a mistake to enact a policy—such as government-controlled investment—that offers less in return and risks more. Federal Reserve Board Chairman Alan Greenspan has testified before Congress that such approaches "would arguably put at risk the efficiency of our capital markets and thus, our economy." [3]
The Social Security system is actuarially bankrupt and will not be able to meet its future obligations. Over the next 75 years, the program will face a cash shortfall of $27 trillion. If no changes are made in the program's design, bringing Social Security into balance will require a monumental policy change: a 50 percent–plus increase in payroll tax rates, a 33 percent reduction in benefits, a big hike in the retirement age, or a combination of these three possibilities.
These choices are economically risky and politically unpopular. Moreover, tax increases and benefit reductions would serve only to exacerbate Social Security's other crisis—its poor rate of return—and make it an even worse deal for American workers. Many younger workers today already face negative returns from the taxes they pay into the Social Security system, after adjusting for inflation. Forcing them to pay more to receive even less hardly represents fair and compassionate public policy.[4]On the other hand, policies that would increase the current system's rate of return, such as reductions in the tax rate and increases in benefits, would drive the system into bankruptcy even sooner.
Faced with this Catch–22 dilemma, many Washington policymakers are considering a shift from the current "pay-as-you-go" program to a pre-funded system. For example, all 13 members of the 1994–1996 Advisory Council on Social Security endorsed some form of investment in private assets as a way to address the program's long-term unfunded liability.[5]
An important debate is occurring, however, over how best to tap the benefits of private investment. Opponents of reform argue against personal accounts and assert that the current Old Age and Survivors Insurance program can be salvaged by allowing politicians and their appointees to invest excess Social Security payroll tax revenues. This is the option supported, for instance, by the AARP.[6]
There are, however, four broad concerns about such government-controlled investment proposals.
Concern #1: Government-controlled investment would mean the partial nationalization of major businesses, which would allow politicians direct involvement in the economy.
Under a system of government-controlled investment, the government would be able to purchase a significant percentage of publicly traded companies. Once it had become a dominant shareholder, the government could use its power to insist, for example, that a company place politicians on its board of directors.[7] Even if politicians were not placed in positions of direct power, they could use their voting power to impose control.[8] And when politicians control business decisions, political incentives become more important than economic ones. Invariably, this leads to less prosperity.
Consider the experience of other countries. Much of Western Europe suffers from stagnation and high rates of unemployment. High tax rates and excessive welfare benefits certainly deserve part of the blame, but the widespread direct and indirect state control of business has had severe consequences too. Countries in the former Soviet Bloc suffered decades of deprivation and poverty under a system that allowed politicians, rather than the marketplace, to allocate resources. Without the guidance of competitive prices and lacking proper incentives, the centralized planning system created an economic catastrophe from which these countries will need years to recover.
Concern #2: Government-controlled investment invites crony capitalism—industrial policy that allows politicians to control the economy indirectly by attempting to pick winners and losers.
The managers of private pension funds are legally obligated to make investments that are in the best interest of workers. In other words, they must try to get the highest possible return, adjusted for risk. Would such a standard apply under a system of government-controlled investment, and could it even be enforced? This is a significant concern because legislators sometimes believe that the marketplace is not producing the right results; they try to help or punish certain industries or companies through spending programs, tax breaks, and regulatory exemptions. They also can do this by providing special access to capital—another risk that would arise if politicians controlled how retirement funds were invested.[9]
Thedownturn in Asia during the 1990s illustrates the danger of this approach. Decades of industrial policy, or crony capitalism, left these countries with debt-laden banking systems, inefficient industries, and companies that cannot compete. Unlike the Europeans, the Asians largely avoided direct government ownership, but widespread political manipulation of lending decisions and investment choices produced the same result. Ironically, many of the Americans who praised Japan's industrial policies in the 1980s are the same people who argue in favor of government-controlled Social Security investment today.
Concern #3: Government-controlled investment opens the door to corruption by allowing politicians to steer funds toward well-connected interest groups or corporate contributors.
Politicians frequently use the levers of power to counteract markets by steering resources in certain directions. These same levers of power could be used for more narrow political purposes as politicians provide favors or steer resources to constituents and allies. A large pot of government-controlled money would create the opportunity to divert money to satisfy the demands of special interests.[10]This is what has happened in many countries in the less-developed world.[11]
Advocates of government-controlled investment argue that U.S. political institutions are too transparent to allow blatant corruption to exist. This is a fair response, but there is an ill-defined boundary between special-interest investing for purposes of industrial policy and special-interest investing that is done in exchange for campaign contributions and political support.
Concern #4: Government-controlled investment invites "politically correct" decisions at the expense of retirees because politicians could forgo sound investments in unpopular industries (such as tobacco) to steer money toward feel-good causes that are likely to lose money.
When operating private pre-funded systems, fund managers pick well-balanced portfolios designed to maximize long-term returns. This is a legal requirement,[12]largely because it is the best way to ensure that workers will have a comfortable and secure retirement. Fund managers may or may not approve of the goods and services produced by the companies in which they invest, but their fiduciary responsibility is clear: They must invest with the workers' interests in mind.
Regrettably, it is not clear that managers in a system of government-controlled investment would have the same incentives. Politicians routinely go after certain industries and/or companies, and withdrawing investment funds would be one way to show their displeasure.[13]Conversely, some causes are politically popular. Allocating investments to these ventures, even if they are expected to lose money, could be advantageous for politicians.
Although advocates of government-controlled investment may argue that the foregoing concerns are overstated, arguments against political control are supported by historical evidence. For example, pension funds for state and local government employees in the United States frequently are subjected to political manipulation. Moreover, other countries that set up social security systems using government-controlled investment have had lackluster or even negative results.
State and Local Government Pension Funds
Pension funds for state and local government employees in the United States are beholden, to varying degrees, to politicians.[14] And compared with the performance of private pension funds, government pension plans underperform.[15] In terms of overall fund performance, the gap between government-controlled and private pension funds is not huge, but the impact grows over time because of compounding. Major studies find that government-controlled pension funds have rates of return at least one percentage point below those of private fund managers.[16]
There is a particularly big performance gap in the fund assets that government pension plans dedicate to economically targeted investments (ETIs), which, despite their title, are based on political criteria. Supporters of ETIs argue that fund managers should be permitted—or perhaps even forced—to take into account the broader social benefits of their investments. For example, ETI proponents have favored increased investment in low-income housing, small business, and local development,[17] as well as in-state investing and alternative energy,[18] and usually promote a vague catchall provision that the investments promote the "general welfare of the state."[19] Ohio even includes racial preferences as a goal of its pension fund.[20] The fact that the alleged social benefits do not accrue to the benefit of the workers in the plan is apparently of little concern to advocates of this type of investment approach.
In addition to requiring investment in projects that are likely to be less profitable, government-controlled investment often would prohibit investments that otherwise would generate a good return for workers. More than 30 states at one time, for example, barred investment in companies that did business with South Africa. Another 11 placed restrictions on investment in businesses operating in Northern Ireland.[21] Some pension funds face restrictions on investments in the tobacco, alcohol, and defense industries.[22]
This list would be likely to expand if the federal government got into the game. Depending on the latest political fad, it might mean restricting investments in companies charged with excessive pollution,[23] antitrust violations,[24] and allegedly unfair labor policies.[25] A 1989 report prepared for then-Governor of New York Mario Cuomo even suggests that pension funds side with incumbent management in takeover disputes.[26] Protectionists would be likely to argue that investments should be limited to U.S. companies.[27] Another disturbing possibility is that the money would be used for infrastructure spending, using the rationale that the government would recoup the money through higher tax collections.[28]
To ascertain the risk of government-controlled investment in a reformed Social Security system, analysts compared the performance of ETIs with that of traditional investments. John R. Nofsinger of Marquette University found that ETIs reduced average returns by more than 1.5 percent annually.[29] Perhaps not surprisingly, he also discovered that restrictions on investments in South Africa and Northern Ireland were associated with lower returns.[30] Other scholars found that ETIs had returns that averaged between 1.0 percent and 2.5 percent below those of funds that operated in the best interest of workers.[31]
Alicia Munnell, a former Clinton Administration Department of the Treasury official, found that investments designed to promote home ownership would result in a reduction of between 1.9 percent and 2.4 percent in annual returns. According to Munnell, a "lower return on pension fund investments will eventually require either increased contributions or lower benefit payments to plan members."[32] Numerous other scholars have confirmed these findings.[33]
Different Rules, Different Results
Why do state and local government employee pension plans choose economically targeted investments? Political manipulation and considerations of social benefits are only part of the explanation.[34]Notably, these plans do not have an exclusive fiduciary obligation to the workers; instead, each government employee pension fund has its own organizational structure and is subject to particular state and/or local laws. These varying arrangements permit fund trustees to make investments that earn a lower return.
Private pension funds, by contrast, are free of political control. They are subject to a universal legal requirement to operate in the best interest of workers.[35] More specifically, they are regulated by the 1974 Employee Retirement Income Security Act. This law states that trustees must act "in the best interest" and "for the exclusive benefit" of plan participants.[36] This fiduciary responsibility does not mean that every investment will make money, but it does mean that every investment is made with the intention of maximizing income for retirees. And even small differences in annual returns translate into big differences in retirement plans.
ETIs produce poor results in part because of the inevitable pressure to make investments for political, rather than economic, reasons. The following are among the more notable miscues committed by government employee pension funds.
- The Texas State Board of Education dumped 1.2 million shares of Disney to protest the content of films made by a subsidiary.[37]
- The Missouri State Employees' Retirement System established a venture capital fund for new businesses in the state. It was shut down three years later following poor returns and two lawsuits.[38]
- Pennsylvania school teachers and state employees saw $70 million of their fund invested in a new plant for Volkswagen. The investment lost more than half its value.[39]
- Illinois transferred $21 million of workers' money to the state's general budget.[40]
- The Kansas Public Employees' Retirement System lost $65 million by investing in a Kansas-based Home Savings Association. The fund also lost $14 million by investing in Tallgrass Technologies and squandered nearly $8 million in a steel plant. Total losses of workers' money from ETIs were projected to be between $138 million and $236 million.[41]
- The Connecticut State Trust Fund poured $25 million of workers' money into Colt Manufacturing, a local company that went bankrupt three years later.[44]
- A state pension system in California offered $1.6 billion of workers' money to help balance the state's budget in 1991.[45]
- The State of Minnesota lost $2 million of workers' money in 1998 by dumping tobacco stocks.[46]
- A U.S. General Accounting Office (GAO) study found that affordable housing investments by government employee pension funds are both illiquid and less profitable.[47]
- One independent study estimates that non-economic investing by government-controlled pension funds resulted in more than $28 billion in losses between 1985 and 1989.[48]
Such bad investment choices are important for two reasons. The first is that the taxpayers will have to make up the losses, in particular because the vast majority of government pensions are defined-benefit plans (workers receive a pension based on formula, not fund performance). Because these plans reportedly are underfunded to the tune of $125 billion, this is not a trivial concern.[49]
The second reason bad investment decisions are important is that they illustrate the risks in allowing the government to control investments in a reformed Social Security system. Supporters of government-controlled investment claim that the risk can be avoided by limiting the decision-making authority of the trustees overseeing the plan. But Chairman Greenspan doubts that "it would be feasible to insulate, over the long run, the trust funds from political pressures."[50]
Government-Managed Pension Funds Abroad
Several other countries already have government-managed pension funds. Some, such as Singapore and Malaysia, have systems that are private in every sense except that the government controls the investments. Others have defined-benefit programs that are run completely by the government, including the investment of excess revenue.
Regardless of their form, government-controlled systems of investment fail to offer workers a decent rate of return. In fact, as Chart 1 shows, most of these countries experienced negative returns in the 1980s. The Singapore and Malaysia systems have performed the best, although more recent data—particularly following the region's recent financial crisis—would show that average annual real returns in these countries are falling as well—approaching zero.[51]
In many of these countries, enormous amounts of money have been lost because of blatant corruption. Other poor performances are the result of industrial policy. As Chart 1 shows, private-sector professionals did a much better job of improving retirement income than their government counterparts did. The World Bank refers to this gap as a "hidden tax" on workers, noting that government-controlled funds must either "charge higher contribution rates or pay lower benefits."[52]
The poor results of government-controlled investment have implications for a country's economy. As the World Bank notes, "Central planning has not been the most efficient way to allocate a country's capital stock," and the "net impact on growth may be negative, rather than positive, if public fund managers allocate this large share of national savings to low-productivity uses."[53]
Some proponents of government-controlled investing assert that the Thrift Savings Plan for federal employees is a model for Social Security. This is true, but only if workers are given personal retirement accounts. As the Congressional Budget Office explains:
A crucial feature of the TSP is that its assets are owned by federal workers, not the government. The board that oversees the program has a fiduciary responsibility to manage those assets for the sole benefit of the owners of the individual accounts.[54]
The AARP and other interests want the opposite: to have the government make private investments in order to increase government's control of national economic output. This would be the wrong approach. It would not help workers get a better deal from Social Security, but it would open the door for political mismanagement and intervention in America's capital markets.
—Daniel J. Mitchell is McKenna Senior Fellow in Political Economy in the Thomas A. Roe Institute for Economic Policy Studies at The Heritage Foundation.


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World Express - Mistery of the Maya Trailer (2011)
01 January 2011 Adventure 90 mins
David and Philip are distinctive in the work's couriers World Express. Every day, roam the world completing tasks assigned to them by the mysterious head of Anson. Do not give up any adversity and provide dangerous consignment on time. Their current mission is to deliver to Mexico a ransom for the kidnapped girl. In the meantime, it appears that the girl's mother, Corrina, was once associated with David. Just before the start of the task Philip is murdered, and the ransom stolen. To save the girl, David needs to work with Corrina. It begins a dangerous journey through the dense jungle to the mysterious Mayan city.
Watch the official World Express - Mistery of the Maya 2011 trailer in HD below or find more World Express - Mistery of the Maya videos on Vidimovie.


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Suzanna Chevalier
'Change Our Perception' - Poem by Suzanna Chevalier
Came as a light worker to make jail not so grim- -
inmates going to jail needed some smiles.
Their thoughts and feelings were quite dim.
Going on a mission as a change agent
to change jail's perception-
It's all about perception of jail and how we
can now use it as a place of inspiration.
We want to help build inmates spirits up again—
not to make them feel like more of a criminal
and treating them less than human.
Some inmates feel it is survival like animals in a pack—
too bad humans have to watch their back.
We need to change how we think
is jail making it any better
or is it just making people's life shrink?
How about Joy And Inspiration Lives—
is that a better place to come from?
From a heart that cares and gives?
Written by Suzanna Chevalier on March 25,2013
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Emily email@example.com
Emily is a PhD Student in the Cai Lab. She graduated in 2014 with a BSc in Computer Science from John's Hopkins University. She has had internships at several software companies including Google and Cisco, and before her PhD was working as a Software Development Engineer at Amazon.


text:
How To Deal With Locksmithing Issues Simply And Easily
You have to think about some things before hiring a locksmith . Don't think you should wait until the last minute to have a good consumer education! This article has some great locksmith. Continue reading and retain this information in mind for future use.
If you find yourself locked out of your house, do not listen to locksmiths who suggest replacing the lock up front. Professional locksmiths should have the ability to unlock nearly any door without needing to replace the door's lock. It's usually unnecessary for you to spend more money to replace a lock.
Locked out from your house? Don't just agree to replace that lock right up front. A good locksmith can get the lock. Replacing locks will force you more money.
Research a locksmith prior to hiring them. You want to make sure that you are not hiring anyone that is not working in your best interest. Scammers can make unauthorized copies of your keys, so watch out for that.
You should prepare yourself even if you need a locksmith is necessary.Research to find reputable professionals that you can trust. Put their number of the locksmith into your cell phone so it is always available to you.
Do not use a locksmith who charges more than you expected. There are many scammers out there who want to rip you off.
Check the BBB to make sure that a locksmith is reliable. This can let you whether or not you have found someone honest or dishonest.
Ask how long a locksmith has been in business. Make sure they've been doing operations from the same location. Generally, a locksmith with five years in business is legitimate.
Do not use any locksmith who charges more than you expected.There are too many scammers out there for you off.
You should not settle on the first locksmith you see in the phone book. You ought to speak to no less than three locksmiths before deciding. This will give you a reasonable expectation of what the average charge is. You can choose a locksmith with a price that is right.
Get references before allowing a locksmith in you house. Call all of the references before hiring them.You need the best possible services from someone you can completely trust.
There are many great online resources that can help you find a locksmith. A lot of people review services online with detail. People enjoy warning or praising others depending on the services rendered. The point is that reviews can help people decide whom to hire and not to hire.
Review Websites
A good locksmith won't charge you simply for showing up. This is not typical for professional locksmiths. If it happens, you will probably be scammed for excess money. When you tell them to leave for suspicious reasons and they ask you for payment and won't leave, call the police.
You can find a few review websites that provide reviews online. Make sure the review websites are not run by a particular locksmith. You should also check the Better Business Bureau too determine if the locksmith you decide on a locksmith.
Calling a locksmith after-hours generally costs more. Some locksmiths may charge outrageous fees. Avoid getting overcharged by getting different quotes from different locksmiths.
Ask the locksmith for a customer list. Most companies will gladly give you the references you ask for, and it is important to actually call the referred customers.
Remember that you are giving access to your home to a person or company that knows how to pick locks. If you don't feel like they're trustworthy, then you shouldn't hire them. This is why you should meet with them at their location.
You can Google search for you. Don't feel embarrassed when you do; protection of yourself isn't just installing additional locks! If you find something about them you don't like, call the firm that sent the locksmith and request a substitute.
It's common practice to tip a locksmith for a job well done, so don't forget to give the person some extra cash for the work provided. This is particularly important for emergency calls. A good rule of thumb when tipping is 15 percent for general services and 20 percent for after-hours services.
Don't hire a locksmith that charges for them just appearing where you are. This is not something most locksmiths will do, so it is an indicator of a bad apple. If they plan on leaving because they have no license or something similar, speak to the cops if they insist that you pay.
Discuss your home's overall security with your locksmith. Locksmiths know about home security because that's the type of work they do. They can let you know if your home security is adequate for the neighborhood you live in. Also, they can recommend upgrades for you to do.
Locksmith services are more expensive if you have to call them after regular business hours. Some will know this practice to their advantage as an excuse to charge a lot more. You can stay away from this kind of price-raising by getting several price quotes before choosing a quote from a couple of different locksmiths.
Select locksmiths who are experienced with situations like yours. For instance, a person that specializes in commercial jobs may not be the best candidate for opening your car. Residential locksmiths may not want to address commercial issues like problems with automatic doors.
Call the police department and find out if they've had any complaints about the locksmith. You will be able to quickly ascertain if the complaints that are on file.Do not select a locksmith that has complaints against him.
Preparation is key, so research locksmiths before you need them. Scrambling to find a locksmith while you're in the midst of an emergency will only lead to poor decisions. Instead, locate a reputable one before you need one.
Learn what the locksmith keeps when the job. Will they need a second copy of the keys for their files? This would pose a huge risk to your security if it ended up in the wrong hands! Ask about this before you give the green light for any work to begin.
It is customary to give a tip to the locksmith if he did a good job, so never forget to offer an extra bit of cash. This is especially valid if you were in emergency situations. 15% is good for a general locksmith visit, and you should tip 20% if they did the job after hours.
Identify the precise reason why you will require prior to calling a locksmith. Have you left your keys in the car? That is completely different problem than if your keys had been stolen.
If they do not give you an answer, hire a different locksmith.
It's not easy for them to give exact numbers without actually seeing the damage themselves.
Find a locksmith with emergency services as part of their plan.You can't predict when you find yourself in a bind, so you need someone that can help you in all situations. Inquire as to the locksmith's rates on these services. There are certain to be extra costs involved, so you should be prepared before calling.
Don't hire locksmiths that won't give you with proof of the insurance they have. If something happens that causes damage to your car or home, their insurance will pay for the repairs. Be sure you work with a company that have full insurance plans.
Your locksmith should dress neatly and neat.How someone dresses is a good hint of the professional service they are and what their services will be.
If a locksmith advertises that they beat any price, give them a call and ask what the terms of that promise are. You may need to get quotes from many different locksmiths.
You will be able to find out if they're associated with the BBB and if they have been claims filed. If complaints do show up, see if they were resolved.
You can always get a quote over the phone if you have been locked out. Don't just choose the one with the lowest price; instead, but do compare the prices to figure out what the average is.
Research locksmiths beforehand so you're prepared if you need one. Trying to get a locksmith that's good when you're having an emergency may result in a bad decision.You are better off locating a good locksmith you should call before that type of time and keeping his number handy.
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Halle, Germany (PressExposure) April 20, 2009 -- Neuber Software announces the release of Network Security Task Manager 1.0h, a network version of widely used and highly efficient Security Task Manager. This new product, based on behavior and code analysis, securely protects Windows networks from sophisticated malware not detected by traditional security solutions. Enjoy the highest level of security for favorable price!
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System requirements for Network Security Task Manager: Windows Vista, XP Professional, 2000, 2003, 2008


text:
Norfolk Tank Museum
The Norfolk Tank Museum is a small, independent museum of Cold War military vehicles, uniforms and artefacts. We are a not-for-profit organisation. Any monies raised or contributions made will be spent on the continuing refurbishment and modernisation of the museum grounds and the restoration and expansion of our Collection there is an opportunity to experience inside the turret of a Saladin Armoured Scout Car and a Chieftain Main Battle Tank. There is extensive parking with access to the popular Tas Valley Way walk, picnic and children's play area , Cafeteria serving teas, coffee, cold drinks and cakes and BBQ. Full disabled access.
Venue Type:
The museum is open Tuesday, Wednesday, Thursday and Sunday every week from easter to end of October.
Adults £6.50 per person, accompanied children under 12 FREE,
Additional Children £3.00
12 to 16 years £4.00
2 miles West of Long Stratton off the A140 Norwich to Diss road following signs to Forncett St Peter
Getting there
2 miles West of Long Stratton off the A140 Norwich to Diss road following signs to Forncett St Peter
Norfolk Tank Museum
Station Road
Forncett St Peter
07703 337714
01508 532650


text:
Photo courtesy of Wikicommons
Pony Express
April 3, 1860: The Pony Express started its first run from St. Joseph. Explore the Pony Express further in St. Joseph.
This post was contributed by Ross Malone. A historian and a retired school teacher, Ross has authored many books about Missouri's history, weird facts, and folk tales. He has also written children's historical fiction. Visit his website, and buy his books in the Missouri Life store.