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This stately club chair offers modern take on popular Chesterfield design with quality craftsmanship, featuring Antique Brown leather upholstery, solid kiln dried wood frame with reclaimed oak legs, hand-applied nail head trim along the arms and gorgeous button tufting on the back and arms.
- Durango living room collection
- Handmade by skilled furniture craftsman
- Kiln dried solid wood frame with reclaimed Oak legs
- Hand-applied nail head trim
- Eight-way hand-tied spring suspension
- 50% feather and down + 50% poly fiber wrapped cushions
- Removable seat cushion
- Tufted seat back
- Comfortable antique brown bonded leather
- Minor assembly required
- One year manufacturer's warranty
Dimensions: 50.2"W x 40"D x 32.3"H
An oasis of serenity and peace of mind in your modern lifestyle, TOV Furniture is created for busy lives. All the products take their inspiration from New York, the most impressive and inspiring city in the world! Each piece ensures hard work and great quality blended with rich design and adorable modern classic style.
Make sure that you will get the quality you need when purchasing TOV Furniture. Amazing collections of contemporary chairs and classic sofas, modern beds and table will embellish your home with chic!
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Chairs and Benches
Including pieces from modern to retro, stationary to reclining and convertible, our assortment of chairs offers versatile designs from top brands. Availability of upholsteries, colors and functions will help you to create your own oasis in your living room, guest room or den.


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Roasted Olives
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Prep Time: 3 minutes
Cook Time: 10 minutes
Servings: 4
Roasting olives elicits their briny richness and aroma. Combine different varieties as the heat will bring out their distinct characteristics.
- 114
- 3 cups assorted green and black olives
- 2 rosemary sprigs, cut in half
- Zest of 1 orange, cut into long, thin strips
- 1⁄4 cup extra-virgin olive oil
- 1⁄4 tsp. dried chili flakes
- Salt, to taste
Directions:Preheat an oven to 400°F.
In a bowl, combine the olives, rosemary, orange zest, olive oil, chili flakes and salt and toss to coat. Transfer the olive mixture to a small tapas pan and bake until the olives are warmed through, about 10 minutes. Serve warm or at room temperature.
Williams-Sonoma Kitchen.

subset: commoncrawl


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A Little Inside Trailer (2002)
"Dreams come in all sizes." 17 February 2002 Drama, Comedy, Family 95 mins
When he unexpectedly becomes a single parent, an aspiring professional baseball player trades in his bat for a socket wrench and becomes a small-town mechanic. But when he tries to convince his young daughter to play Little League ball, King is disappointed to learn that she prefers ballet shoes to cleats. Can he accept his daughter for who she is and take another swing at his dreams?
Watch the official A Little Inside 2002 trailer in HD below or find more A Little Inside videos on Vidimovie.


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Discussion in 'Travelogues & Experiences' started by obliex, Jun 21, 2010.
Choose route via Nagar. You can visit Ranjangoan Ganpati also.
Actually I am planning to visit Shingnapur also, so I would prefer to take NH50 while going and while returning will take Nagar road. But I am not sure about the road quality of NH50.
If anyone been through to NH50 recently, kindly advice.
Hello People
I am a first timer to this forum. Good to see the Fiat owners in the country having a common platform
I am planning a road trip from Delhi to Miraj (i.e. about 235 Kms south of Pune), in which I will be the lone driver. I have read a lot on the internet about mapping along NH 8 (Delhi-Mumbai) for Delhi-Pune sector.
I want to know if someone has experience for NH 3 (Agra-Mumbai). What can be a better choice between NH 8 and NH 3?
Also suggestions are welcome for places/spots to stay for the night. My plan would be to break in between for one night, both while going and coming back.
Does anyone see the merit in taking NH 8 and NH 3 each while going/coming back?
Await feedback/suggestions.
I did use NH3 a couple of years back when I was travelling from Bharatpur to Pune. It was a TERRIBLE experience.
Use NH8. The stretches on the Rajasthan - Gujarat border are awesome !!
HI Prateek,
Last year I drove from Delhi to Nagpur and we avoided the via agra route. we came via this route >> http://goo.gl/cPwsu . This was choosen based on feedback from relatives driving on the via agra route, so we avoided it completely and came very well and in comfort.
I also spent 2 years at Mhow (near Indore) for my Post-graduation which is on the bhopal-indore-pune / mumbai route and not sure of current status but it was bad bad road that time (2002-2004), plus 2 lane highway mostly.
I would recommend coming via jaipur-vadodara-mumbai route... thats the route i have finalized for one of my planned trips, the roads are good mostly 4 lanes. If i am not wrong the difference in distance would be hardly 100-150 kms but you will save a lot on time and FE on that route. Recently i read someone's review Jaipur-Goa via Pune and the guy was all praise for the road condition. Let me try to search for the link for you.
Update : http://www.teamfiat.co.in/forum/showthread.php?2003-Jaipur-to-Pune << check this.
Recent update on Delhi gwalior route >> http://www.teamfiat.co.in/forum/showthread.php?2029-Delhi-Gwalior-Road
Better you choose Delhi---Jaipur---Ahemadabad----Mumbai---Pune.
You can contact our Team member Cubbie. He just visited Pune from Jaipur. From Pune you have Banglore highway to reach Miraj.
Miraj is is 237km from Pune. You can take NH4. You can take following route from Pune
Road till Karad is fantastic (NH4). After that you will get state highways.
Thank you Arvind, it looks NH 8 is a clear winner from the reviews above/threads/elsewhere. Indeed the distance would be more, but you dont mind covering few extra kms driving rather than getting stuck in non/slow moving traffic.
Thanks Kedar! Cubbie's review was definitely helpful; lucky him, he could manage a 15 day break.
I have to restrict the entire travelling to about 7 days, so still figuring out the breaks in between / pit stop(s) for the night. Do you think doing 800-900 kms in a day is possible for this stretch, keeping in mind I would be the only one driving?
Yes it is possible but for that you need to leave home early morning. ASAP.
I hope the rains haven't washed off these roads - I am planning to take this route on 12th August.. starting from Pune on 10th evening...
Separate names with a comma.


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Kyle Busch Motorsports press release
Bringing New Team to Home Racetrack
MOORESVILLE, N.C. (March 6, 2012) - This week Kyle Busch Motorsports and their Nevada-bred owner-driver will bring a new No. 54 Monster Energy race car chassis to Las Vegas Motor Speedway (LVMS). Kyle Busch has had success at the track he calls his "hometown." Not only does Busch hold the record for the number of fastest laps (127) at LVMS in the NASCAR Nationwide Series, but he also ranks second in laps led (228) over the last seven years the Nationwide Series has raced at the 1.5-mile facility.
The 2011 Sam's Town 300 proved difficult for Busch, after starting the race from the 2nd position and leading the most event laps (84), the Las Vegas native ended up in an on-track accident that relegated the JGR team to a 30th-place finish.
Although in eight NNS starts Busch has not won at LVMS, expectations are higher this year for the startup team and veteran driver. Nothing would be greater than for Busch and his young Nationwide Series effort to bring home a victory for new sponsor partner Monster Energy, at the driver's home track, in only his third start with the self-owned team.
Kyle Busch, Driver of the No. 54 NASCAR Nationwide Series Monster Energy Camry: Do you prepare differently going into a race weekend at a track that you grew up around?
"Not really. It's like any other race weekend in terms of preparation with the team. Cool thing here is that I know the city and I still have friends in the area, so it's nice to give them the opportunity to come out and see us race. "
You were disappointed last week with the PIR finish but talked afterwards about the learning curve of the new race team. What do you expect this week?
"I've put a good group of people in place around me there, starting with Mike (Beam). Everyone is competitive and wants us to succeed, from the decal installer to sponsor management. We have to set the car up right early in the weekend, so we aren't trying to make big swings during the race. Once we get into a rhythm of knowing each other better and communicating those changes, I know we'll be good. It would be sweet to bring home that trophy in front of this home crowd and for my guys and sponsors!"
Heard you spent some time in the desert this week, how was that?
"I try to get out to Glamis (Calif.) once a year and kick the dunes around a bit. A group of guys go out and get the sand rail ready for me. It's a good way to kick back, relax and have some fun."
Mike Beam, Crew Chief of the No. 54 NASCAR Nationwide Series Monster Energy Camry: Last week was a learning curve for you and the team with Kyle, how will this week be different in terms of your goals for racing at Kyle's hometown track?
"Every week we'll learn something that will make us better as a team. Remember everything is being built from the ground up here, so it's going to take time. I don't really set goals other than to win--for me it's win or nothing, and I think that's a common theme among our group. I look forward to going to Las Vegas with Kyle, considering his feelings for the home track. We are working to make our cars better and this week with a new car chassis and body out of the KBM shop, we are going to do our very best to run well and win."
Kyle Busch's No. 54 Monster Energy Camry: Chassis KBM-003: KBM will unload the first NNS intermediate-track chassis built by the company in 2012, for Saturday's Sam's Town 300. The backup machine for this weekend's No. 54 team is one that will regularly be used as a second team car, Chassis, KBM-007.
Notes of Interest: -Kyle Busch holds the record for the number of fastest laps (127) in the last seven years of Nationwide Series racing at LVMS; Busch is ranked second in laps led (228) behind Kevin Harvick (257). Both drivers are the only ones to run Vegas the last seven years of the Series. -Kyle Busch is the 2nd fastest on restarts at the hometown track; brother Kurt Busch holds the top position on restarts. -Overall driver rating for Kyle Busch at LVMS in the Nationwide Series is 6th, with an average start of 7.3 and an average finish of 21.1. -Career NNS short track statistics for Kyle Busch include: 43 races, five poles, 12 wins, 25 top-five finishes, 31 top-10 finishes, 2,532 laps led comprised of 730,660 miles. -Busch has completed 1,257 laps and 1,885 miles of Nationwide Series racing in the eight LVMS events. -The Kyle Busch Foundation will conduct a Slot Machine Tournament from the Riviera Hotel & Casino, 4pm to 7pm on Thursday, March 8. Kyle Busch will be in attendance to participate in the final round of gaming. Proceeds will benefit the Boys Town of Nevada, a group home from which Kyle and Samantha Busch will invite kids to watch Saturday's Nationwide Series race from the grandstands.


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I wish I could gaze at barn wood morning, noon and night. I don't want black walnut to think I'm cheating on it, but really, who can resist a beautiful barn wood? A friend from wood shop gave this wood to me from her uncle's barn in Moab, Utah (and I love Moab!).
I am almost finished with the boys' bedroom and the deadline is THIS WEEK because my son is turning twelve. TWELVE! I'm freaking out a little about it, but he has promised me a million times that he will still be nice to me when he's a teenager. And still hug me. And not be weird. In honor of his growing-up-ness I'm redoing his room (which he shares with his little bro) and saying good-bye to his train bedding and hello to more grown-up stuff.
These headboards were fun. Originally they were black and super thrashed, but that is the beauty of buying stuff at a yard sale.
First I painted them navy, the same color on the forest accent wall. Two coats.
Then I cut the leftover barn wood from the dresser project to fit over the bead board. It's easiest to cut a pattern piece first, or set a fence on your saw to the perfect length in order to get a perfect cut with each piece.
Lastly, after fitting together I attached the barn wood with finish nails, 1/2 inch 23-gauge pin nails. If I ever want to pull off the barn wood (which will 99.99% likely never happen in my lifetime) there won't be any glue.
The boys are going to snuggle up to awesomeness every night, and that just warms my mother heart!
After the painting was complete both headboards took me a couple of hours to finish. You can update furniture with anything really, metal, wallpaper, paint, barn wood, plain wood, it's an easy update! I would love to hear your questions and comments.
Happy creating!


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mutual fund definitions.....
What is a Mutual Fund ?
A mutual fund, is a corporation (trust) that pools the savings, which are then invested in money market, debt market and capital market instruments such as shares, debentures and other securities. Thus the MF serves as a link between the public and the capital markets so as to mobilise savings from the investors and invest them in the capital markets to generate returns.
The following are some of the more popular definitions of a Mutual Fund
A Mutual Fund is an investment tool that allows small investors access to a well-diversified portfolio of equities, bonds and other securities. Each shareholder participates in the gain or loss of the fund. Units are issued and can be redeemed as needed. The fund's Net Asset Value (NAV) is determined each day.
Mutual Funds are financial intermediaries. They are companies set up to receive your money, and then having received it, make investments with the money Via an AMC. It is an ideal tool for people who want to invest but don't want to be bothered with deciphering the numbers and deciding whether the stock is a good buy or not. A mutual fund manager proceeds to buy a number of stocks from various markets and industries. Depending on the amount you invest, you own part of the overall fund.
The beauty of mutual funds is that anyone with an investible surplus of a few hundred rupees can invest and reap returns as high as those provided by the equity markets or have a steady and comparatively secure investment as offered by debt instruments.
What is an AMC ?
A company formed under the Companies Act and registered with the Securities and Exchange Board of India (SEBI) to manage investor's funds collected through different schemes The trustee delegates the task of floating schemes and managing the collected money to a company of professionals, usually experts who are known for smart stock picks. This is an asset management company (AMC). AMC charges a fee for the services it renders to the MF trust. Thus the AMC acts as the investment manager of the trust under the broad supervision and direction of the trustees.
What is an Unit ?
A unit in a mutual fund scheme means one share in the assets of a particular scheme. So, a person holding units in a scheme is referred to as a unit holder.
What is NAV ?
NAV means Net Asset Value. This is the main performance indicator of a fund, especially when viewed in terms of its appreciation over time. The NAV breaks down the performance of a scheme in terms of the market value of every outstanding unit of the scheme. A fund's NAV is calculated as total assets minus all expenses and divided by the number of its total outstanding units.
What is Sale Price ?
It is the price paid by an investor when investing in a scheme of a Mutual Fund. This price may include the sales or entry load.
What is Repurchase Price ?
Redemption or Repurchase Price is the price at which an investor sells back the units to the Mutual Fund. This price is NAV related and may include the exit load.
When an investor chooses to withdraw money from his investment in an open-ended fund at any point in time, the units are "sold" at NAV (after deduction of Exit Load, if any) to the Fund. When a closed-ended fund completes its tenure, it is redeemed at the prevailing NAV and investors are paid the proceeds thereof.
What is Load & what are the types of Load ?
Load is a charge collected by a mutual fund on units. It can be either entry load i.e., the charge is collected when an investor buys the units or exit load i.e., the charge collected when the investor sells back the units.
Types of Load:
1. Entry Load:
When a charge is collected at the time of entering into the scheme it is called an Entry load or Front-end load or Sales load. The entry load percentage is added to the NAV at the time of allotment of units.
2. Exit Load:
An Exit load or Back-end load or Repurchase load is a charge that is collected at the time of redeeming or for transfer between schemes (switch). The exit load percentage is deducted from the NAV at the time of redemption or transfer between schemes.
3.Contingent Deferred Sales Load (CDSL):
The load amounts charged to units when recovered at various period of time is called a "deferred load". This load reduces the redemption proceeds paid out to the outgoing investors. Depending on how many years the investor stays with the fund, some funds may charge different amount of loads to the investors- the longer the investor stays with the fund, lesser the amount of exit load charged to him. This is called the contingent deferred sales charge (CDSC) and contingent deferred sales load (CDSL).
Some schemes do not charge any load (i.e. Sell/repurchase at NAV) and are called No Load Schemes.
What is Statement of Account ?
A Statement of Account is a document that serves as a record of transactions between the fund and the investor. It contains details of the investor with the various transactions executed during the period, i.e., sales, repurchase, switch-over in, switch-over out. The Statement of Account is issued every time any transaction takes place.
What is a Fund Manager ?
An investment professional appointed by the AMC to invest money in accordance with the stated objectives of the scheme.
What are the advantages of investing in Mutual Fund ?
Following are the major advantages of investing in Mutual Fund :
Portfolio Diversification/Risk reduction: An investor holds a diversified portfolio even with a small amount of investment, which would otherwise require a big capital. Further, the fund invests in diverse portfolios, hence reducing the riskiness of the investments.
Reduction of transaction costs: -While investing through the funds, an investor has the benefit of economies of scale; the funds incur lesser costs because of larger volumes, a benefit passed on to its investors.
Professional Management: Mutual funds are managed by professional management who has requisite skills and resources to analyze the various investment options in this fast-moving, global and sophisticated markets.
Liquidity: Often, investors hold shares or bonds they cannot directly, easily and quickly sell. If they invest in the units of a fund, they can generally cash their investment any time, by selling their units to the fund if open-end, or selling them in the market if the fund is close-end.
Convenience and flexibility: - Investors have the option of transferring their holdings from one scheme to the other, get updated market information and so on.
Tax Benefits: Income tax benefits are granted to investors in mutual funds, making it more tax efficient as compared to other comparable investment avenues. There are various types of Tax incentives for the investors of mutual funds. There are various sections of the Income Tax Act that provide for the tax rebates and exemptions on investments in mutual funds and the income arising thereof.
What are Open ended & Close ended schemes ?
Open-ended schemes do not have a fixed maturity and are open for subscription the whole year. One can buy and sell units at the NAV related prices to the Mutual funds. These schemes are normally not listed on the stock exchanges and can be redeemed directly to the Mutual Fund.
Close-ended Schemes can be bought and sold on the stock exchange subsequent to the initial subscription through the public offer. One can stay invested in the scheme for a stipulated period ranging from 2 to 15 years. Generally, the close-ended schemes are traded at a discount to their NAV in the stock exchange.
What are the other classifications of mutual funds schemes?
Geographical classification
Domestic funds: Fund houses launch domestic funds, which mobilize savings from a particular geographic locality, like a country or region. Majority of schemes launched by Indian MFs like UTI, GIC MF, LIC MF, SBI MF, Canbank MF, Bank of Baroda MF, Bank of India MF, Morgan Stanley, Templeton, Alliance etc, are the examples of such a fund.
Offshore Funds : The objective behind launching offshore funds is to attract foreign capital for investment in the country of the issuing company. These funds facilitate cross border fund flow, which is a direct route for getting foreign currency. From the investment point of view, offshore funds open up domestic capital markets to the international investors and global portfolio investments.
Portfolio classification
Growth Funds: Investment objectives of such funds are capital appreciation through investment in equity shares. They invest in the equity shares of companies with high growth potential. The examples are software, services, brand value, contra, FMCG etc.
Income Funds : Such funds have the objective of providing safety of investments with regular income. The funds predominantly invested in bonds, debentures and other debt related instruments and to some extent in equity shares of companies with high dividend payouts. E.g. Monthly income plans.
Value Funds: Such funds invest in the equities that are undervalued today in anticipation of unlocking its value in the near future. E.g. Master value unit fund.
Balanced Funds : Balanced Funds have an objective of providing modest risk of investments with reasonable rate of return. The funds are invested in a judicious mix of equity shares, preference shares as well as bonds, debentures and other debt related instruments E.g. US-95.
Money Market Mutual Funds (MMMFs): Such funds have an objective of taking advantage of the volatility in interest rates in the money market instruments. The funds are invested in certificate of deposits (CDs), interbank call money market, commercial papers, T-bills and short-term securities with a maturity horizon of less than one year. Investors can participate indirectly in the money market through MMMFs. E.g. Money Market Fund.
Index Funds:The investment Objective is to increase the value of the portfolio in line with the benchmark index (for e.g. BSE Sensex, SP CNX 50). These funds are invested in the shares of companies as included in the benchmark index in the same proportion.E.g. Nifty Index Fund, Master index fund etc.
Leveraged Funds: These funds have an objective of increasing the value of the portfolio and benefit the shareholders by gains exceeding the cost of borrowed funds. The funds are invested in speculative and risky investments like short sales to take advantage of declining market. Such funds are yet not common in India.
What are the different plans that Mutual fund offers ?
Dividend Plan: Under the Dividend Plan, the fund distributes a substantial part of the surplus to investors in the form of dividend (income distribution).
Growth Plan : Under the Growth Plan, an investor realises only the capital appreciation on the investment (by an increase in NAV) and normally does not get any income in the form of income distribution.
Re-investment Plan: Here the income distribution accrued on a mutual fund scheme is automatically re-invested in purchasing additional units under the scheme. In most cases mutual funds offer the investors an option of collecting income distribution or re-invest in the same scheme at scheme NAV/NAV based price.
Systematic Investment Plan (SIP): Here the investor is given the option of managing his investments on a periodic basis and thus inculcates a regular saving habit. He may issue a pre-determined number of post-dated cheques in favour of the fund. He will get units on the date of the cheque at the NAV of that date. For instance, if on 25th March, he has given a post-dated cheque for June 25th, he will get units on at NAV of 25th June.
Systematic Withdrawal Plan: As opposed to the Systematic Investment Plan, the Systematic Withdrawal Plan allows an investor the facility to withdraw a pre-determined amount/units from his fund at a pre-determined interval. The investor's units will be redeemed at the NAV as on that day. This would tantamount to a tax efficient mode of withdrawal, if planned well.
What is Equity Scheme ?
Equity schemes are those that invest predominantly in equity shares of companies. Although an equity scheme seeks to provide returns by way of capital appreciation, these schemes are exposed to higher risks and hence the returns may fluctuate. They invest only in stocks, and hence, are the riskiest among mutual fund schemes. However, these funds offer the possibility of superior returns since equities have historically outperformed all other asset classes. At present, there are four types of equity funds available in the market.
What is Debt Scheme ?
Debt schemes invest mainly in income-bearing instruments like bonds, debentures, government securities, commercial paper, etc. These instruments are much less volatile than equity schemes. Their volatility depends essentially on the health of the economy e.g., rupee depreciation, fiscal deficit, and inflationary pressure. Performance of such schemes also depends on bond ratings. These schemes provide returns generally between 7 to 12% per annum. These funds invest in fixed-income securities like bonds, Government of India securities, debentures, commercial paper, call money, etc. There are three types of debt funds.
What is Balanced Schemes ?
Balanced schemes invest both in equity shares and in income-bearing instruments in such a proportion that the portfolio is balanced. They aim to reduce the risks of investing in stocks by having a stake in the debt markets.Thus debt and balanced schemes offer a reasonable return with a moderate risk exposure.
What is Sector fund ?
They are the riskiest among equity funds, as they invest only in specific sectors or industries. The performance of sector funds is married to the fortunes of the specific sector or industry. This can work both ways for sector funds. One way to maximize your returns from sector funds is to get into the sector when it is expected to zoom and get out before it falls. However, it is easier said than done. Since you have managed a nodding acquaintance with various equity funds, how do you choose the right one for you? First, identify the category of equity funds you want to invest in. Next, evaluate the performance record of the fund. Find out how it has performed over the years compared to its competitors. Also, check out the reputation, transparency in operations, etc.
Make sure your fund has a diversified portfolio. Avoid funds that have exposure to a few sectors or stocks, as the performance of the fund will be tied to the performance of only these stocks and not to the entire market performance. Also make sure that the fund has a diversified investor base. A fund with a few large investors will be forced to take orders from them, which may not be in your interest.
What is Gilt fund ?
Funds that invest only in government securities and treasury bills. Such funds generally provide marginally higher returns than a money market fund, and are a good option for investors who seek protection of principal. Gilt funds can also be volatile due to increase or decrease in interest rates. Gilt schemes invest in government bonds, money market securities or some combination of these. They have medium to long-term maturities, typically of over one year and have moderate returns. Since the issuer is the central or state Governments, these funds have reduced risk of default and hence offer better protection of principal.
What is index fund ?
These funds track a key stock market index, like the Bombay Stock Exchange Sensex or the National Stock Exchange S & P CNX Nifty. They invest only in stocks that form the market index, as per the individual stock weightages. The idea is to replicate the performance of the benchmarked index to near accuracy. Index funds are considered a passive investment vehicle, as the performance of the fund will be almost the same as the index concerned, except for few minor points.
What is MIPs ?
MONTHLY INCOME PLANS are basically debt schemes, which make marginal investments in the range of 10-25 percent in equity to boost the scheme's returns. MIP schemes are ideal for investors who seek a slightly higher return than pure long-term debt scheme at a marginally higher risk. Declining returns from income funds and improved equity market performance are two main reasons, which have given an opportunity to launch these funds.
What is ELSS ?
According to the central government's Equity Linked Saving Schemes (ELSS) guideline, 1992 and the amendment in 1998, these schemes offer tax rebates to the investor under section 88 of the Income tax act, 1961. Under Section 88 of the I.T. Act, 1961, one gets a tax rebate of upto 20% of the amount contributed to ELSS schemes subject to a maximum investment of Rs. 10000/- within the allowable limit under section 88. Also these schemes generally diversify the equity risk by investing in a wider array of stocks across sectors.
How can one invest in Mutual Fund schemes ?
One can invest by approaching the Asset Management Companies/a Registrar of Mutual Funds or the respective offices of the Mutual funds in a particular town/city. An application form has to be filled in giving all the particulars along with the cheque or Demand Draft for the amount to be invested. The application form is accompanied with Key information Memorandum (which gives the highlights of the scheme), as per SEBI guidelines. An investor has the option to use brokers' or agents' services with respect to filling in the application form etc.
Investor should always know the risk factors before investing.
Risk Factors:
1. Mutual funds and securities investments are subject to market risks and there is
no assurance or guarantee that the objective of the Mutual fund will be achieved.
2. As with any investment in securities, the NAV of the units issued under the schemes can go up or down depending on the factors and forces affecting the securities markets.
3. Past performance of the Sponsor / AMC / Mutual Fund does not indicate the future performance of the schemes of the Mutual fund
What is Money Market Fund ?
Money Market Mutual Funds (MMMFs) : Such funds have an objective of taking advantage of the volatility in interest rates in the money market instruments. The funds are invested in certificate of deposits (CDs), interbank call money market, commercial papers, T-bills and short-term securities with a maturity horizon of less than one year. Investors can participate indirectly in the money market through MMMFs. E.g. Money Market Fund. Its objective is to preserve principal while yielding a moderate return. MMMF's are favoured by investors seeking low-risk investment avenues that offer instant liquidity.
What is SIP ?
Systematic Investment Plan (SIP) Here the investor is given the option of managing his investments on a periodic basis and thus inculcates a regular saving habit. He may issue a pre-determined number of post-dated cheques in favour of the fund. He will get units on the date of the cheque at the NAV of that date. For instance, if on 25th March, he has given a post-dated cheque for June 25th, he will get units on at NAV of 25th June.
Based on the concept of rupee cost averaging. SIP's allow an investor to invest a prefixed amount with a scheme at set intervals, and derive the benefit of fluctuating share prices and NAV's. So, when the share price drops, the investor get more units and when the share price moves up, he gets less. Finally, if the NAV is high, his entire investment is valued at the existing higher level, while his cost of purchase averages out.
What is SWP ?
Systematic Withdrawal Plan As opposed to the Systematic Investment Plan, the Systematic Withdrawal Plan allows an investor the facility to withdraw a pre-determined amount/units from his fund at a pre-determined interval. The investor's units will be redeemed at the NAV as on that day. This would tantamount to a tax efficient mode of withdrawal, if planned well.
A plan that allows you to withdraw pre-decided amounts from your investments in a scheme at periodic intervals. It is advisable to apply for SWP under Income Funds to save on TDS (Tax Deducted at Source).
The following example illustrates how the SWAP Option in the HDFC Income Fund - Growth Plan, is more tax efficient as compared to the Dividend Plan in the HDFC Income Fund.
What is Switch-over ?
Switching facility provides investors with an option to transfer the funds amongst different types of schemes or plans.
Investors can opt to switch units between Dividend Plan and Growth Plan at NAV based prices. Switching is also allowed into/from other select open-ended schemes currently within the Fund family or schemes that may be launched in the future at NAV based prices.
While switching between Debt and Equity Schemes, one has to take care of exit and entry loads. Switching from a Debt Scheme to Equity scheme involves an entry load while the vice versa does not involve an entry load. Exiting a Debt scheme before 6 months involves an exit load. Switching within Debt and Equity schemes does not involve loads.
Switch requests are effected the day the request for switch is received. The Applicable NAV for the switch will be the NAV on the day that the request for switch is received.


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483 Amherst St, Nashua, NH 03063Request info Add to list
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Ron F.
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- Available Spaces
|Space Type
|Unit 6
|Retail Space
|For lease: $1.33/sqft
|2,000 sqft
2000 Sq Ft retail space available for lease on busy Amherst Street, Nashua, NH. Join the national chain Subway Sandwich shop and other retailers... show more »View Details
Building Details:
• Year Built: 1980
483 Amherst St is aretail property for lease in Nashua, NH. The property currently has 1 retail space for lease and is marketed by .
Small investment property for sale along highly-traveled Amherst Street (NH Route 101-A). This 10,046+/ SF retail strip center contains 6 units that are currently fully leased. Tenants include Subway, Jenny Craig, Twirl & Serve Frozen Yogurt, EmbroidMe, and others. Traffic is estimated to be approximately 46,000 cpd.
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Parents' fury as school introduces 'bread and butter' policy for kids without lunch money
A SCHOOL has been forced to make a U-turn on its new "bread and butter" only policy.
Parents were left shocked as Alban Church of England Academy told pupils they would only be fed bread and butter if they forgot their lunch money.
The proposed scheme was set out in a letter to parents earlier this month.
The letter stated that despite regular reminders some children were still going to school without either a packed lunch or money for a dinner.
"I apologise if this has caused any offence"Head teacher Sue Lourensz
It had happened more than 100 times in the past month the school insisted.
The Bedfordshire based school also said the catering firm providing meals had a "strict 'no debt' policy and as such, it is the school that has to fund the cost of a meal".
The letter went on to say: "As a result, and with effect from Monday February 1, this current system will cease.
"From then, if a pupil comes to school without either a packed lunch or dinner money, the office staff will phone home and ask for packed lunch or the money for a lunch to be dropped into school.
"If the parent/carer cannot make it into school then the child will be provided with a drink and bread and butter only."
But Alban Church of England Academy has since abandoned the new policy, with the school apologising.
Head teacher Sue Lourensz said: "Following a number of parental concerns regarding the recent school meals letter, we have decided to re-think our policy and will not be introducing the new system outlined in that letter.
"I apologise if this has caused any offence, this was not our intention.
"The letter itself was intended to explain the situation and trial a policy that has been successfully adopted by other schools."


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A collaborative group is working to destigmatize mental health in Jefferson County by promoting and coordinating a countywide expansion of Mental Health First Aid.
The program, which is similar to CPR, trains the everyday person how to identify when someone is in crisis and then coaches the person through what to say and how to help with the intention of connecting the person to professional resources.
A former Jefferson County Human Services worker has been accused of falsifying information in 12 child abuse and neglect complaints.
Hailey Hunt flashed a big smile as she posed with Henry Crawford — and a half-cooked buffalo tongue.
The 8-year-old and her mother, Janet, last weekend for the first time attended the 1830s Rendezvous at The Fort in Morrison. And they were not the only ones who marveled at Crawford's boiling buffalo tongue, either.
Janet and Hailey, who live in Littleton, eyed the piece of meat with curiosity. While it looked a bit strange, they both agreed they would give it a try.
A Jefferson County judge on Friday found probable cause to move forward with an arraignment for the two men arrested in May in connection with the murder of a Littleton man.
Editor's note: This is the first of a three-part series.
First, he served as a marine. Then, he worked as a massage therapist. Now, Casey Buell-Schoenman is taking on a new challenge — becoming a Jeffco Sheriff's detention deputy.
After months of taking ride-alongs with various departments in the Denver metro area, Buell-Schoenman applied for JCSO's detention deputy academy in the hopes of gaining valuable law enforcement experience.
A set of restaurants in Clear Creek County and South Jeffco are accepting donations of household cleaning items and other supplies to help victims of the recent hurricanes.
Idaho Springs' MTN Prime and both LUCHA Cantina locations in Georgetown and South Jeffco are working with the Cajun Navy Relief, a non-profit based in Louisiana that helps hurricane and flood victims.
The man suspected of seriously injuring a Littleton toddler on Sept. 11 turned himself into the Jeffco Sheriff's Office Sunday night.
Joshua James Gonzales, 21, is believed to have beaten the 2-year-old daughter of a woman authorities say he was romantically involved with at a home in the 1400 block of South Pierson Street last Monday. The victim and her mother were later discovered outside of a Denver school on Thursday afternoon, and the toddler was transported to Denver Health Medical Center with life-threatening injuries.
Rave review
Two Jeffco school board members seeking re-election this fall will face competition after two last-minute candidates filed the required petitions just before the Sept. 1 deadline.
According to Helen Neal, Jeffco Public Schools' election coordinator, Matt Van Gieson of Arvada and Erica Shields of Littleton each filed several pages of petition signatures after picking up the petitions Aug. 28. The school district certified Sept. 4 that each candidate met the required 50 verified signatures to get on the ballot.
Former Jeffco school board president Lesley Dahlkemper is running for the District 3 seat on the Jeffco Board of County Commissioners.
Publicly announced last Friday, Dahlkemper's campaign comes nearly two and half years after she said she wouldn't seek a second term as president of the Jeffco school board.
In an interview Monday, Dahlkemper, a Democrat, said her decision to re-enter politics was not unexpected and stems from a desire to increase her own community involvement.
Copyright © 2017
Columbine Courier is your source for local news, sports, events, and information in South Jefferson County, Colo., and the surrounding area.


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Tony Hawk tests out the brand new 4K Action Cam FDR-X1000V on his holiday adventures. Follow Team Action Cam's Tony Hawk on Instagram and Twitter at @TonyHawk.
Shot 100% by Sony's Action Cam
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"Holidays in 4K" with Tony Hawk | Action Cam | Sony


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HELP….Permalinks…..Redirecting back to index
Hi I'm new to using wordpress, I have been asking for help from other wordpress bloggers at a different forum, but have not had any luck with my problem.
Here's the problem, i have been using default WP permalinks before, I'm nowing trying to change it to date and name based, when i change it the permalink DOES change, but the content stays as is in the index.
For example, when I click on post "1", it doesn't go into post "1", it only displays the 5 posts that are meant to be displayed in the index, however the permalink does change to post "1".
Has anyone had this problem? Yes I did CHMOD my .htaccess file before i changed my permalinks. Is there something that i missed or didn't do while i was changing my permalinks?
If you didn't quite understand what i mean, here is my blog: http://blog.gadgetlite.com/ thanks very much.
- The topic 'HELP….Permalinks…..Redirecting back to index' is closed to new replies.


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Table of Contents
- 1 Destination: New York City
- 2 "A" is for Alphabet City.
- 3 "B" is for Bemelman's Bar.
- 4 "C" is for Chinatown.
- 5 "D" is for DiPalo.
- 6 "E" is for the Ear Inn
- 7 "F" is for Fiorello's.
- 8 "G" is for Gotham West Market.
- 9 "H" is for Halal Guys.
- 10 "I" is for Ippudo.
- 11 "J" is for Jones Wood Foundry.
- 12 "K" is for Kyclades
- 13 "L" is for Laduree.
Destination: New York City
Mode of Transport: Local's Guide to the best food in NYC
Dish Our Town's New York, A thru Z: This is part 1 of 3 and completely updated
Make sure to read Part 2: New York M- P and Part 3 New York Q – Z.
Part 1 : New York A – L
"A" is for Alphabet City.
Avenues A, B, C and D. It stretches from Houston Street to 14th Street. The Puerto Ricans named it "Loisaida" for Lower East Side. That was my childhood neighborhood, where at the age of 12, we were able to purchase slices of Dulce de Leche at the counter along with an eight pack of 8 oz. Budweiser nips from the Bodega on Avenue A. No I.D.'s necessary those days, just don't pull any shit. Someone was always ready to kick your ass.
Currently, we live exactly where I grew up, and this neighborhood has changed dramatically. Give Avenue A a walk and visit the many little eateries, bars, cafes, and shops a visit. In my book, it's the closest thing to our version of the Left Bank of Paris.
"B" is for Bemelman's Bar.
My daughter was a fan of the Madeline book series when she was a young girl. The illustration is forever ingrained in my mind after having read the books to put her to sleep for years. The books were written by Ludwig Bemelman who took residence at the Carlyle Hotel for a few years many years ago. Now there is a bar in the hotel named in his honor. As a gift to the hotel, Ludwig, who was also an artist, gifted the hotel with a mural, which sensibilities match the art work in the books. The bar is surrounded by his work. Bemelman's may be one of the last great hotel bars in New York. Come any evening and enjoy an old fashioned, women garbed in fur, and some Gershwin being played on the piano.
"C" is for Chinatown.
Big Wong & Shanghai Asian Manor
Gritty and smelly? Yes, but there's nothing like it. Where else can you find, old Cantonese men, hanging out with old Italian guys that still wear pinky rings? Nowhere else. The cuisines offered in this Chinatown is as diverse as China itself. There's Canton, Hunan, Xian, Shanghainese. Walk along Mott Street and see glistening Roast Duck hung by the window (Big Wong, being the best, on Mott right below Canal). Continue to head south on Mott to Mosco Street and you'll hit Shanghai Asian Manor. Order their famous Xiao Long Bao (Soup Dumplings) and appreciate the complexity in the preparation of what the Chinese consider to be "simple" food.
106 Mosco Street
For a real down-home, no-frills experience, go halfway down Mosco Street (address 106) and you'll find a fried dumpling place, literally out of a hole in the wall. For $1 you get 5 delicious pork and chive dumplings. With a dash of their special sauce (which I believe is simply soy sauce and vinegar) and a touch of Siracha, your good to go. Few snacks are more satisfying and more affordable than this. Go back to Mott and take a quick left on Bayard and you'll find great Hand Pulled Spicy Noodles and Cumin Lamb Sandwiches at Xian Famous Foods. By now, you get the point, there are lots to choose from. Need a recommendation, ask the Italian guy with the pinky ring, I'm sure he's got his favorites.
"D" is for DiPalo.
When the rest of Italian-American food purveyors decided to become adequate, the DiPalo family kept a higher standard. They continue to represent their heritage with great pride. They singlehandedly put the vowel back in Italian-American cuisine. When everyone else is selling you "the DiPalo family kept a higher standard.
They continue to represent their heritage with great pride. They single-handedly put the vowel back in Italian-American cuisine. When everyone else is selling you "Muzzarell", the DiPalos sell you Mozzarella made in their own kitchen. You'll also find Proscuitto here, not "Proscuitt". There is real mortadella here. The strange, delicious, cold cut, that inspired, ironically, bologna. I can go on and on, but I advise you see, smell and taste yourself. If you're lucky, you'll have Lou or Sal DiPalo themselves help you. With every tasting, comes a heavy dose of storytelling. Just be prepared to be there for a couple of hours. Recently, businesses have come and gone in the Little Italy neighborhood, but Di Palo's who have been here for a hundred years is still standing strong and they ain't going anywhere. DiPalo's is at the corner of Mott and Grand.
"E" is for the Ear Inn
One of the greatest debates in New York, is which holds claim as being the oldest bar in New York. There's McSorley's, Pete's Tavern, Fraunces Tavern, and Paris Cafe to name a few. I think they're all great, but one that is not nearly as frequented is the Ear Inn located west of fashionable SoHo toward the Hudson River. No frills here, just a warmth that those who came off the ship many decades ago must have felt when they first set foot on our great nation. It was hard those days, so they must have needed a drink. In their honor, you should have a few here.
"F" is for Fiorello's.
Lincoln Center is the home of the Metropolitan Opera House. Its interior is arguably the most beautiful in the New York. Before delving into some culture, grab some good upper west side Italian grub, right across the street at Fiorello's. If you can hold off, come after the performance. They are known for their very thin crusted pizza, but it's the dessert that everyone comes for, which includes the best chocolate mousse topped with homemade whipped cream in the city. It's also favored by the artists that perform at the Met. It's not uncommon to be there at the same time as the likes of Placido Domingo.
"G" is for Gotham West Market.
After having experienced the likes of La Boqueria in Barcelona and Mercado de San Miguel in Madrid, we returned back home pining for anything that closely resembles the atmosphere found in those true food emporiums. We remained unsated until this place opened up. Located in Hell's Kitchen, found under this one roof are Ivan Ramen, Genuine Roadside, El Colmado, to name a few.
If you're unfamiliar with these places, Ivan Ramen is considered one of the best Ramen purveyors in the City. Genuine Roadside is a creation of the AvroKo group that also brought you renowned restaurants such as Public, and Saxon and Parole. This more casual offering is their homage to American standards you find along the road while going cross country. El Colmado, is an authentic pintxos experience, the best we've found to date outside of Spain itself. Oh and yes, I suggest sharing and visiting as many stalls your stomachs can muster. The market's is location is 600 11th Ave. (between 44th and 45th).
"H" is for Halal Guys.
A visit to New York is not complete without having something to eat from the food vendors that are scattered throughout the city. Yes, there are the venerable hot dog vendors; but these days the cart that has people lining up are the Halal Guys. They have a chain of brick and mortars these days, but for an authentic feel, visit the original stand that sits at the corner of Sixth Avenue, West of the MoMA. Order a gyro pita with some hot sauce and white sauce, and join the construction guys sitting on the stoop, enjoying one of the best quick sandwiches found anywhere.
"I" is for Ippudo.
This is Bailey's favorite Ramen Restaurant in the whole City. Ramen is her favorite food, so, in essence, this is one of her favorite restaurants, period. Ramen is definitely having a moment and there are many ramen restaurants that are considered to be rated higher than Ippudo. But if you asked my daughter, who has tasted the competition, she will tell you that Ippudo's tonkatsu broth is unequaled. Both Brenda and I agree. Lines can be long, and at times you may feel rushed through your meal, but it's all worth it. Bailey prefers the original location at 65 4th Avenue (between 9th and 10th St.)
"J" is for Jones Wood Foundry.
We spent 6 months in the UK, and if there is one thing we miss most, it would be the pub scene. Hard to find a true public house in New York. Those which call themselves as such are usually just like any other bar that has music blaring and multiple televisions showing multiple sporting events. Hard to talk, as one does in most pubs in the UK. Good food is hard to find in most of these said places. Thankfully, there's Jones Wood Foundry. Along with excellent service, comes the interior sensibility one would find in London, per se, and great British grub such as Scotch Eggs and Fish and Chips. Be sure not to leave without having their pudding. Find Britain in New York, here.
"K" is for Kyclades
The mother ship is located in Queens, but the satellite is now in the Lower East Side. We have been to Greece, and this destination brings as right back to those beautiful islands. Just one taste of the octopus, grilled just right, with a dash of lemon and olive oil, all you need to do is close your eyes and I swear you'll feel transported. Not to be overlooked during your visit to the restaurant is the strip of First Avenue, which is filled with some great plans to have dessert or a night cap.
"L" is for Laduree.
There are two locations in the city, but one on Madison Avenue captures the Parisian luxury bakery best. Come early before shopping or visiting museums and score one of the 4 small tables and order a coffee along with a croissant to start the day. Before leaving, be sure to purchase some of their world famous macaroons to snack on throughout the day. A few blocks north of Laduree is the Met Breuer, where you can spend some time appreciating some of the best modern art installations found in the world.
Local's Travel TIP: Right before leaving on our Long-Term travels, we decided to treat ourselves to a few staycations in NYC because we had been staying at Brenda's parents' house for 6 months, in NJ. There were nights that we were just too tired to trek our way home. The hotel we enjoyed the most was the Grand Hyatt in Midtown, which is so close to everything and conveniently located next to Grand Central. Click Here To Find Out the Best Prices and Other Details.
Some links are affiliate links, which means we would receive a commission if you purchase from them, as always, prices remain the same for you. Thank you.


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Breaky Break Time
Hey there lovely Lovelies! As a lot of you have noticed, I've been ridiculously MIA for a while now and I don't see it getting much better anytime soon.
Between my many, many doctor's appointments, procedures, tests, Mr. Superman's ever-changing work schedule (now he's on 12's from 6-6), trying to not let the house cross the line between "Homeless-hoarder-laundry and dishes up to my neck-style" and "I'm really trying but just can't keep up with the housework-style", the blogging has been brought to a major stall and that includes keeping mine up to date and sharing the hundreds of things I've been wanting to share with you all as well as reading and commenting on all the ones I love. Not to mention between my 8 different prescriptions, I'm always either sick to my stomach or zonked out good.
Along with all of that, emails, postcards, letters, Facebook messages, and every other form of contact has piled up rather splendidly. I cannot say how much everyone's words of kindness, love, support, and encouragement mean to both me and my Loverface and I am so sorry I have been unable to respond to anyone. This newest health development has definitely been testing us but I'm confident all will unfold as it should and we will remain strong as ever.
I just wanted to tell all of you darlings a little of what's been going on. Hello to all you fabulous newbies and to everyone else, pleasepleaseplease don't leave me while I'm on this unplanned and unintentional hiatus okay?
10 comments:
- Mel said...
Take care of yourself, sweetie. I will most definitely be here when you get back. Consider yourself hugged!
- June 14, 2011 at 4:51 PM
- Kaylee said...
Thinking of you!! get well soon :) The house will be just fine while you get better.
- June 14, 2011 at 5:04 PM
- chambanachik said...
Hoping you're back to normal and feeling well soon, girl. Praying for you!
- June 14, 2011 at 5:33 PM
- Team Mama said...
Totally understand- plan on doing some catching up on the beach real soon! If there is anything I can do before then, you know how to get hold of me... Talk to you soon- hang in there! <3 <3 <3
- June 14, 2011 at 7:35 PM
- Dr. Army Wife said...
I'm not going anywhere - I'll be right here when you get back! I hope you are feeling well & are hanging in there!
- June 14, 2011 at 9:09 PM
- Chelle said...
Taking breaks are healthy! I wish you all the best in getting over this hump, get rid of the meds, and to find the smiles with open eyes and not so many sickies
- June 15, 2011 at 1:18 AM
- JG said...
Take care of yourself, babe. ((hugs))
- June 15, 2011 at 1:30 PM
- Lindsey said...
GET BETTER! And don't feel bad about the break--you need to rest up and take care of yourself :)
- June 17, 2011 at 9:40 PM
- Wife on the Roller Coaster said...
Thinking of you and hoping you're doing ok. Take care of yourself!!! xoxo
- July 5, 2011 at 9:39 PM
- kelsey lauren said...
Love your blog, always have, always will Here for you through thick and thin! (and silences too). x
- August 11, 2011 at 6:26 PM


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You just can't give up! Here's whyRead More
Are You Working Until You Die or Fulfilling Your Purpose?
What is your purpose in life?
There's got to be more to life than working to pay bills and dying, right? What is purpose? Matter of fact what is YOUR purpose? Some say just find out what you're good at and pursue it. Others say find out what you like and go from there. But is there something more? What can our purpose be?
"And we know that in all things God works for the good of those who love Him, who have been called according to His purpose" (Romans 8:28). God has a purpose for all of us. With His direction we can fulfill it. But we can't do it alone. Sometimes it can seem murky what we're supposed to do. Jesus says "Come to me, all you who are weary and burdened, and I will give you rest." He never said clean yourselves before you come to Me, or fix up your life before coming to Me. He simply says to go to Him. Go to Him as you are and ask Him what you need to do. Humble yourselves before the Lord so He can do His works within you.
In the Old Testament, when the Israelites touched or ate something unclean they had to go through a purification process where they were separated from the rest of the community for a certain period of time and then before returning to their people they had to be cleansed. Before learning what your purpose is or even how to execute it, there must first be a separation from the world. Completely cutting off the world from its hold and influence on you and being able to commune with God. Only then you can communicate with Him without worldly interferences.
Cutting off the world, yeah easier said than done and how do I do that anyway? Good question. In today's day and age social media plays in a big part of our communication. We can find out what our coworkers had for breakfast this morning on Instagram. Taking a break on social media outlets can be a start.
The next step is toxic relationships. Are there any people in your lives that are inhibiting you from prospering? These can be friends, family members boyfriends/girlfriends or even spouses. Toxic people have no good purpose in your life except to make you stronger and to get rid of them once you've realized they are toxic to you and your life's purpose. Ways of determining if someone in your life is toxic is to evaluate if they hurt your feelings constantly, degrade or embarrass you or even hurt you physically. If they do any of these especially hurt you physically please alert someone you trust immediately or even call the police.
The next step is to read the Word of God. Now I know that can seem like a daunting or maybe even a boring task. But whether you're a believer or not, you were not made by mistake or chance. You have a purpose. Reading the Bible first off shows you other men and women who have fulfilled and unfulfilled their purposes. It shows you their relationship with God, and God's lengths taken to help them throughout the easy and hard times in their lives. Reading the Bible will help you realize God's purpose for you. Men like David used his talent as a shepherd, a talent that people back then thought was nothing to be celebrated, to defeat a giant who threatened Israel and ultimately becoming King of Israel. The Bible shows us that no one is too small, or unimportant to fulfill something greater than ourselves.
The final step is prayer. Sounds simple? That's because it is. But it requires faith, and God knows we are fickle people so all He requires is faith the size of a mustard seed. If you Google what a mustard seed looks like you'll see how tiny it is but after that take a look at a mustard tree, with time, watering, hard work and love, that seed becomes a HUGE tree. God is so good that He has representations on this earth to help us understand His love for us. Pray to Him there's no need for fancy words or even words at all because God says "Do not be like them, for your Father knows what you need before you ask Him."
Make a life change today your life and your purpose are all in God's hands. God wants to give you all the gifts and blessings this life has to offer but there's something you must do first. Love Him and serve Him. Find out how by praying and reading His word. Only then, can He reveal to you His true purpose for you. After all, He does know everything.
Is Gun Control Out of Control?
Are guns the problem? Or is it people?Read More
Have you noticed that now-a-days sex is everywhere? According to the Ohio State University research team, Men generally think about sex 19 times a day and women 10 times a day on average. Some respondents in the study had a recorded thought of sex every 2 minutes! This study shows us that sex has taken over our very lives! With fast and easy access to pornography and casual hook-ups, this generation has quickly developed a desensitization to sex. This can have serious effects on one's health and psyche.
The problem is not having sex, the issue is the age of the "sex-havers" and the types of sex they're having. Most girls who start having sex early are most likely to engage in abusive relationships and partake in abusive sex habits. Some women report to enjoying mutilation during sex like choking and experiencing other forms of pain. Let's get real y'all, that's not okay at all neither is it signs of a healthy relationship.
But where can the beginning of the problem be pinpointed? One word, media. Research shows that children who become sexually active by 13 are at higher risk of unprotected sex and use of drugs and alcohol before sex; which results in STDs and unwanted pregnancies. More than 66% of boys and 40% of girls after recorded, wanted to try sexual behaviors they saw in the media and social media according to the research by Dr. Jennings Bryant.
With Instagram's ban on nudity no being as effective since approving- or not reprimanding visible breasts, more and more users are inclined to post sex scenes, sex memes or photos of celebs or even themselves topless.
So the question is, why does this generation feel the need to over sexualize themselves? Especially as women, what has happened to us that we only see our value in our naked bodies? For the young women and teen girls who are looking for men's affirmation, do they really achieve love and proper attention by taking off their clothes? And what about the young men and teen boys? If all we show them is our bodies why would they pay attention to anything else? How will they know that we have anything else to offer? Do you have anything else to offer?
When women make themselves sexual objects that's all they can ever be, nothing more. And men, when you take off her clothes whether it's physical or in your mind, you're partaking in dehumanizing her and damaging your mind. It's time to stop blaming the lame excuse of "I'm a man I can't help it" If you're truly a man you can control your actions. Being susceptible to sex addiction and having a hard time maintaining a healthy relationship is no laughing matter.
Giving up on casual sex and sexual images is not easy, with almost 60% of the advertisements using sexual content online and television it's hard to escape. But it's not impossible. Music you listen to on the way to school or work that contains sexual lyrics continue to resonate with you throughout your day. Limiting what you watch and listen to can be the beginning of a healthy mind and sex life for the future.


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For more information contact David Brooks email@example.com
Have a look at the new Epsom and Ewell in WWI page on Facebook
There are a wealth of photos and snippets of information which show the impact of the war on the Borough. There are plans to update it day by day to match the news on the same day 100 years ago. Promises to be fascinating.
For more details of WW1 events taking place in the Borough visit
Click on the image to view the latest Council for British Archaeology CBA SE newsletter if you are interested in archaeology in the South-East


text: So normally, I don't get to excited for E-Shop games. I was mildly ready for Crashmo (really enjoy it now) and a little amped for Cave Story +. But after taking the time to look at HarmoKnight, I can say I'm really excited. The game shows alot of potential to be a very addictive game. Its also got DLC opportunity that ninty could take FULL advantage of.I can see myself playing tons of different video game music on this game, and the potential for Zelda music, Mario Music, Metroid and starfox and all those other games is really cool to think about. ANYWAY, for those of you who have yet to see what this game is, here is a video that shows a TON of gameplay. Its developed by GameFreak, the people behind Pokemon.


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MATLAB supports LeCroy oscilloscopes through the Instrument Control Toolbox. This MATLAB instrument driver is for use with Instrument Control Toolbox v2.4.1 and higher.
This is a standalone MATLAB instrument driver that does not require any additional instrument drivers to operate.
This driver has been tested at a high level on a WavePro 960 using a TCP/IP interface and may work on many other LeCroy oscilloscope models, such as the LT series. We would appreciate feedback on this instrument driver. Please provide feedback using the submission reviews feature on this page. Include what instrument model you used with this driver. Please note that this driver is not for use with newer Windows-based LeCroy oscilloscopes.
For additional information on MATLAB instrument drivers visit the Instrument Control Toolbox product page: http://www.mathworks.com/products/instrument.
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News & Archives from
Jacques DelorsAccess
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Henrik Enderlein
Henrik Enderlein is Director of Jacques Delors Institut – Berlin and professor of political ...
Enrico Letta
President of the Jacques Delors Institut, Dean of the School of International Affairs at Sciences Po ...
Key points
Caen, 18 December 2015 - Europe, in the face of climate change
Brussels, 8 December 2015 - Presiding the Commission, Governing Europe
Florence, 12-13 november 2015- Towards a Eurozone budget and fiscal and borrowing capacity?
Brussels, 13 October 2015 - The Juncker Plan : Open questions
Paris, 24 September 2015 - After the greek psychodrama, what improvement for the EMU?
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Berlin, 18 September 2015 - In good times and in bad – will Europe hold together?
Enrico Letta, membember of our Board of Directors, and Henrik Enderlein, Director of the Jacques Delors Institut - Berlin, participates in a panel about how Europe can hold together, within the Framework of the Denk ich an Deutschland conference,organised by the Alfred Herrhausen Gesellschaft and the Frankfurter Allgemeine Zeitung.
They speak within a panel composed of:
Dora Bakoyannis, Member of the Greek Parliament, Nea Dimokratia party
Henrik Enderlein, Professor of Political Economy, Hertie School of Governance; Director, Jacques Delors Institut – Berlin
Enrico Letta, Dean, Paris School of International Affairs at Sciences Po; former Italian Prime Minister
Dominique Moïsi, Senior Advisor, Institut Français des Relations Internationales (IFRI); Professor for Geopolitics, College of Europe in Natolin (tbc)
Baroness Pauline Neville-Jones, Member of the House of Lords
The debate is moderated by: Katinka Barysch, Director of Political Relations, Allianz
You'll find enclosed the program of the event.


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Unless otherwise stated this review is not affiliated with any other website nor has the review been authorised by the copyright company or indiviudal author. As of 17th July 2017 this encompasses every review within ZXSR. If you would like this or any other review removed from this website, please contact the website administrator here.
Your mother always knew you'd come to a bad end. That habit you have of poking your nose into other people's business has really got you into trouble. In retrospect, it was a very bad idea to try waving that wand you found in the local Junk shop while the proprietor's back was turned - in fact it was one of your worst ideas ever. The atmosphere turned inside out and transported you into a dark and hostile cave system. While you're deciding whether to panic or make the best of it, a sinister voice charges you with the task of seeking enough treasure to pay for the misuse of the mysterious wand. Bemused and confused you begin the Philosopher's Quest.
Surrounded by objects, you are faced with the difficult task of taking only two on your difficult search. Try to return to collect the rest and you find that they've all disappeared. Whether you've chosen correctly is not immediately apparent. A bewildering cave system, complete with tortuous mazes (cartography is an essential skill), disorientating passages, chutes and slides, stretches before you. Weird and initially incomprehensible symbols mark the walls. A little further exploration and you find yourself on a sandy beach with paths leading to a huge pivot and a small shack named, inaptly enough, Shangri-La.
Far easier to find than treasure is a series of deadly traps and obstacles. The hazards are not always immediately apparent (who would suspect the potential danger lurking in a piece of cheese...?) and you can plummet, gasp and hurtle to your doom in a variety of extraordinary and unexpected ways. Part of the pleasure comes from spotting an innocuous looking pitfall before it leads to death. Look hard enough and the expansive text (usually) gives you warning. All the same, saving to disk (there is no Ramsave) is well-advised.
The land at the other side of the junk shop is inhabited by its fair share of weird and wonderful creatures. Elephants, snakes, dogs, solicitors and cranky old ladies set you a series of formidable tasks. Hell-bent on performing their own particular chores, they won't cooperate unless you help or divert them first.
The challenging puzzles bear the characteristic Topologika stamp. Mostly object-orientated they are supremely logical and ask you to make sense of the unexpected with some strong, systematic lateral thought. Paint pours over you without warning, different coloured stars mark the floors, the albatross hanging from your neck just won't come off. Occasionally, a little external knowledge proves useful, though by no means essential. Knowing that the design of a set of passages is based on the paintings of Maurits Escher may enhance the atmosphere; it certainly doesn't map the maze. in any case, if you're slightly unsure about something you can always consult the carefully graded hint system without fear that it will reveal too much.
Philosopher's Quest was originally released some time ago by Acornsoft. What amounts to a complex parser isn't quite as complex as it could be. It accepts most compound inputs using AND, EXCEPT and ALL though not pronouns, EXAMINE and THEM. Perversely, the more sophisticated aspects of the parser occasionally let it down. If, for example, you are carrying a piece of clothing, a backpack or a mask, the program automatically assumes that you are wearing them. Unfortunately there's nothing in the inventory to indicate this so you can spend ages typing in WEAR aqualung, mask, suit, coat and so on, to no avail. The same goes for the lamp; it took me a few goes to discover that all you have to do to conserve batteries is type OFF and ON.
As another in the list of successful BBC games currently being re-released on other formats, Philosopher's Quest is definitely worthy of attention. Its convoluted puzzles, tantalising locations and unexpectedly awkward twists are bound to keep you playing feverishly for quite some time. At a retail price of f9.95 it's available direct from Topologika at FREEPOST, PO Box 39, Stilton, Peterborough, Cambridgeshire, PE7 3BR


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About Prapanchapet
We have established ourselves among the renowned Manufacturers and Suppliers of PET Bottles. The range of PET Bottles available with us includes Mineral Water PET Bottles, Cosmetic PET Bottles, Food Products PET Bottles, Soft Drink Pet Bottles, Pharma Pet Bottles, and more. Our products are available in various grades and specifications as per the requirement of the customers. We manufacture these products using high grade raw material that assure high strength and durability to the structure. Moreover, the products are in compliance with the industrial norm of quality and other related norms. Our products are widely demanded in the market owing to the features such as accurate dimensions, leak-proof, and long functional life. These products are demanded in pharmaceutical industries, food industries, cosmetic industries, and more. We also entertain the feedback and suggestions of the customers with an aim to develop long lasting business relationship with them.
We mainly cater to buyers from South India region.


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PhilPlans is one of the leading financial solutions company in the Philippines providing innovative pension, education, and memorial programs that build financial preparedness for the future. Registered with the Securities and Exchange Commission (SEC) on April 19, 1989, PhilPlans was launched on October 12, 1989.
In October 2009, Philippines First Insurance Company, Inc. (PhilFirst Insurance) and Systems Technology Institute (STI) took over ownership of PhilPlans from the Philippine American Life and General Insurance Company (Philam Life).
Under the new leadership, PhilPlans has renewed its commitment to help hard-working Filipinos prepare for their future financial needs. It continues to be a formidable player in the industry with its comprehensive product suite, management expertise and sound financial practices.
In 2012, PhilPlans recorded Php1.6Bn in Net Income and a Trust Fund of Php41.3Bn making it one of the most stable financial planning companies among its peers.
PhilPlans operates with a Trust Fund of Php41.3B and paid up capital of Php700M. This assures its more than 500,000 planholders of PhilPlans' stability and commitment to deliver on its promise of providing financial stability for their future needs for many years to come. The fund represents the future obligations of PhilPlans to its planholders and the conservatism by which PhilPlans manages its investments is a testament to the company's commitment in making sure that the planholders' welfare comes first.
PhilPlans also operates with 57 branches nationwide and sales associates that number more than 6,000.
Authority of Insurance Commission
Organization, Licensing and Management
Default and Termination
Claims Settlement
Trust Fund
Actuaries by Planholders
Report and Examination of Financial Statements, Trust Fund, Records
Financial Accounting Standards
Suspension or Revocacy of Authority
Conservatorship Proceeding upon Insolvency
To be the trusted partner of Filipinos in their financial journey as they prepare for their future needs through insurance solutions.
We are committed to making a difference in the financial journey of hard-working Filipinos through products and services that allow them to plan for their future needs.
To provide financial security programs and services.
To provide beneficial products and excellent services to planholders, sales partners, and employees
To secure Filipino Families through planning programs and services.
STI Investments, Inc. is the investment arm of the Systems Technology Institute. STI is a 27- year old respected educational institution in the Philippines today. It has one of the largest networks of schools nationwide consisting of 90 tertiary campuses located in every major urban center in the Philippines with more than 60,000 students.
Established in 1906, Philippines First Insurance Co., Inc. is the first Filipino domestic non-life insurance company that provides a wide array of non-life insurance coverage to individuals and corporations.
Philippine Life Financial Assurance Corporation offers life insurance services. The company also provides financial assurance for public school teachers. The company was formerly known as AsianLife Financial Assurance Corp. and changed its name to Philippine Life Financial Assurance Corporation in June 2012. The company is based in Makati, the Philippines. As of May 31, 2012, Philippine Life Financial Assurance Corporation operates as a subsidiary of STI Investments Inc.
PWU is a non-stock, non-profit, non-sectarian educational institution that promotes Christian education and inter-faith ecumenism in the character formation of our learners, with emphasis on the PWU Core Values of spirituality and ethical professionalism, cultural heritage and leadership in women's education, and professional competencies for global citizenship toward sustainable development.
PhilhealthCare, Inc. (PhilCare), offers a multi-service health care program that makes available to its clients a comprehensive health care benefits package that provides quality health care services at a cost-efficient price. The benefits package of PhilCare includes preventive as well as curative services, ensuring its members of one of the most complete coverage programs available today.
PhilCare is a member of the Philippines First Group of Companies, which is led by the the Philippines First Insurance Company (PFIC). Established in 1906, PFIC is the very first Filipino-owned domestic non-life insurance company in the country. PFIC's solid financial footing and vast experience in more than a century of existence make it one of the country's leading and well-established insurance companies today.
PhilCare is owned by STI Investments, Inc., a holding company whose notable stockholders include STI Education Services Group, Inc. (formerly Systems Technology Institute, Inc.) and PFIC.
PhilCare is proud of Php 881 million total assets and Php 212 million stockholders' equity. With earned revenue for 2011 reaching over Php 1.3 billion, a client base of over 200,000 members, and around 1,000 corporate accounts, PhilCare is unquestionably one of the top health care service providers in the country.
As a health maintenance organization (HMO), the company's mission is to provide excellent health care service to its members and is committed to ensure the constant improvement and development of its products and services and consistently meet the ever increasing demands for health care services in the Philippines.
PhilPlans' pre-need liabilities are covered by its professionally managed Trust Fund at Php 36 Billion, the largest in the pre-need industry, which is more than enough to fulfill its promises of security to its more than 300,000 planholders for many years to come. More than 80% of this fund is placed in highly liquid investments, such as government securities and short term deposits.
PhilPlans' strength is backed up by its Php700 Million in Paid-Up Capital- significantly larger than the minimum regulatory requirement for pre-need companies in the Philippines.
For the year 2010, PhilPlans has promptly paid more than Php2 Billion in total plan benefits to its planholders with Php680 Million in Education and more than Php1.3 Billion in pension benefits.
PhilPlans has the most stable and largest trust fund in the pre-need industry with PHP 36 Billion pesos. PhilPlans has products which are flexible and have the most comprehensive programs.
Pre-Need Company
or issuer means any corporation registered with the Commission and authorized/licensed to sell or offer for sale Pre-Need Plans. A Pre-Need Company may be a single plan (selling one type of Pre-Need Plan) or multi-plan (selling more than one (1) type of Pre-Need Plan).
Pre-Need Plans
are contracts which provide for the performance of future service/s or payment of future monetary consideration at the time of actual need, payable either in cash or installment by Planholders at prices stated in the Contract with or without interest or insurance coverage and includes life, pension, education, interment, and other plans which the Commission may from time to time approve.
means any person, natural or juridical, who purchases Pre-Need Plans for whom or for whose beneficiaries future services and/or payments are to be rendered or made at the time of need or for whom or for whose beneficiaries payment/benefits are to be delivered as stipulated and guaranteed by the Pre-Need Company at the time of need or maturity of the Contract. The term includes the assignee, transferee, and any successor in interest of such Planholder
• Trust Fund means a fund set up from Planholders' payments, separate and distinct from the paid-up capital of a registered Pre-Need Company, established with a Trustee under a trust agreement approved by the Commission, to pay for the Benefits as provided in the Pre-Need Plan.
Corporate Head Office
Corporate Head Office
12F iACADEMY Building
6764 Ayala Avenue
1226 Makati City
Trunkline Number: (02) 802-7300
All PhilPlans Branches are open: 9:00am - 5:00pm (weekdays) / 9:00am - 12:00pm (Saturday)
PhilPlans Galleria: 12:00pm to 6:00pm (weekdays) / 12:00 to 3:00pm (Saturday)
Metro Manila
United Nations
10F Times Plaza, UN Ave. cor Taft Ave., Ermita, Manila
3rd Flr. Dianne Building, No. 746 Rizal Avenue Ext. Grace Park, Caloocan City
2/F Crownlink Bldg., Regalado Ave., North Fairview, QC
Las Pinas
2nd Floor, RCS Arcade 2 Bldg. Alabang-Zapote Road, Pamplona, Las Pinas City
3/F Philamlife Bldg., Aurora Blvd., Cubao, Quezon City
2/F iACADEMY Bldg., 6764 Ayala Avenue, Makati City
Basement 2, Robinsons Galleria, Ortigas, Pasig City
G/F Unit 105 to 108 & Unit 302, J&F Bldg. II, V.V. Soliven Ave. 3, Cainta
Northwest Luzon
4th Flr, E. S. Clemente Building, Shanum St. corner Otek St. corner Lake Drive Burnham Park, Baguio City
Units 2 & 3 Basilio F. Fernandez Bldg., # 359 Perez Boulevard, Dagupan City, Pangasinan
La Union
2/F Flr Kenny Plaza, Quezon Avenue, San Fernando City, La Union
2/F AMWSLAI Bldng., Gen. Segundo Avenue, Laoag City, Ilocos Norte
2/F Marinella Complex,Govantes Dike, Bantay, Ilocos Sur
Northeast Luzon
2/F NPM and MRA Bldg., National Highway Victory Norte, Santiago City
2/F Las Vegas Bldg., Rizal Avenue Cauayan City, Isabela
Upper Ground Floor, Red Square Bldg., Rizal St., Tuguegarao City, Cagayan
2/FS & PNorthBuilding, Brgy. Nancayasan, MacArthur Highway, Urdaneta City, Pangasinan
2/F Santimer Urmaza Bldg. Calle Rosa St., Poblacion South Solano, Nueva Vizcaya
Central Luzon
2/F Philamlife Bldg.,Calle Del Pilar, Cabanatuan City, NE
2/F D&E Bldg., V. De Dios St., Baliuag, Bulacan
Angeles City
UG/F Angeles Business Center, Nepo Mart, Angeles City
San Fernando, Pampanga
2/F Philamlife Bldg., V. Tiomico St., San Fernando City, Pampanga
2/FUS Bldng., Barangay Sto. Cristo, Mc. Arthur Highway, Tarlac City
2/F FC Building, Km. 40 McArthur Highway, Sumapang Matanda, Malolos City, Bulacan
2/F Sunrise Building, J.P. Rizal St., Poblacion, Balanga City, Bataan
South Luzon
2/F Winrock South Bldg., P. Burgos St., cor Evangelista St., Batangas City
San Pablo
2/F Farcon Building Rizal Ave cor. Lopez Jaena St.,San Pablo City, Laguna
Sta. Cruz
2/F St. Martin Square P. Guevara Ave., Sta. Cruz, Laguna
4/F MVL Bldg., Brgy Paninsingin, Lipa City
2/F AQC Building Enriquez St. Corner San Fernando St. Brgy. VI, Lucena City
2/F Tower Bldng., 2 Landco Business Park, Legaspi City
Sta. Rosa Cluster
2-22 Brusmick Estates, Lot 1 Balibago Road corner RSBS Blvd., Balibago, Sta Rosa City, Laguna
2/F Unit A, RJVA Building, Sampaloc 1, Pala-pala, Aguinaldo Highway, Dasmariñas, Cavite
3/F Traders Square Bldg., P. Burgos St., Naga City
2/F Units II-B & II-C, Panaligan Building, M.H. Del Pilar cor. Fallarme Streets, Barangay San Vicente East, Calapan City, Oriental Mindoro
2/F Rainbow Bldg., Rosero St., Masbate City
Cagayan de Oro
G/F Philippines First Insurance Bldg., Aguinaldo cor JR Borja St. Cagayan de Oro City
3/F FTC Medical Tower, 1034 Mt. Apo St., Davao City
3/F Romeo Lim Bldg., Rizal St., Tagum City, Davao Del Norte
3/F Dennis Bldg., La Purisima St., Zamboanga City
General Santos
2/F RDRC Bldg., Santiago Blvd., Gen. Santos City
2/F Nila Herrera Bldg., No. 055 Quezon Avenue Cotabato City
2/F Dacayana Building, Purok 17, Hagkol Valencia City, Bukidnon
Western Visayas
2/F 143 Esperanza Bldg., General Luna St., Iloilo City
2/F Avenue Suites, 12th St. Lacson, Bacolod City
2/F FCD Bldg., McKinley Street Roxas City, Capiz
G/F Helen Tan Bldg., Rizal Avenue., Puerto Princesa City Palawan
Central Visayas
Unit 102, Ground Floor Keppel Bldg. Samar Loop cor. Cardinal Rosales Avenue, Cebu Ayala Business Park, Cebu City
2/F St. Jude Bldng., Gallares cor Grupo St., Tagbilaran City
Door 2, Ground Floor, ETD Building, Brgy. 77, Marasbaras Hi-way, Tacloban City
2/F EJA Bldg., Aguinaldo St. Extention Pala-O, Iligan City
2/F Lica Bldg., Rizal-Luna Sts, Ozamis City
3/F Zamboanga Motors Supply (ZMS) Building, Rizal Avenue Pagadian City
2nd Floor, PS Arcade, JP Rosales Avenue, Butuan City
2/F Christina Mah Bldg., F. Gonzales St. Dipolog City
Unit 13, 2/F USPD Building, Rizal Avenue, Digos City
2/F Lamar Arcade, Borromeo corner Espina Streets, Surigao City
Being a mother, my only dream is to send my children to school and to see them become professionals. Thankfully, we got PhilPlans education plans early on for our three children. Because of our PhilPlans education plans, we were able to send all our children to top universities. Today, they are professionals in their field and are working in reputable companies.
- Merlinda Teodoro
Honestly, I still have a hard time believing how an ordinary boy from an ordinary family was able to fulfill a great dream of becoming a doctor… Fortunately, my parents were very supportive and were able to plan ahead. Thanks to PhilPlans, I was able to go to a prestigious university for college for my pre-medical education. Along with the scholarship grants, PhilPlans became part of our lives and success as well.
- Von Medina M.D. (graduated magna cum laude in BS Psychology at De La Salle Lipa and received PhilPlans Scholastic Achievement Award in 2006. He ranked 4th in the 2012 Physician Licensure Exam.)
To create and provide a lawful institutional medium capable of developing, maintaining, conducting, operating, marketing, selling any and all types of securities (without acting as stock broker), including but not limited to life plans, educational assistance plans, pension, retirement income, or retirement plans, with all the requisite facilities and services, merchandise or articles necessary or relevant to such securities and services to be delivered in the future to the purchases, subscribers, planholders and enrollees.
• Customer Delight
Delight the customer by going beyond customer satisfaction.
• Fair Return
Ensure a fair return through profitable operations.
• Excellence and Professionalism
Exemplify professionalism through integrity, respect, honesty, loyalty, accountability, and hard work.
• Leadership
Lead by motivating and inspiring people.
• Innovation
Innovate new products and services to delight our customers. Innovate through constant improvement in our processes and procedures.
• Teamwork
Work as one team by thinking in terms of "what's in it for us" instead of "what's in it for me".
1. Education
They are the dominant education provider in the pre-need industry, with products that are designed to secure your child's future education needs.
Their education plans are flexible and have the most comprehensive programs for education funding: elementary, high school, 2-year College, 4-year College, or 5-year College plan.
2. Pension
They have secured the most number of pension plans, serving middle-class income earners the opportunity to save early for a more stable retirement. Their pension plans are the trailblazers in the industry. All are flexibly designed to truly give an advantage for planholders who are looking for a worry-free and attractive investment.
They have pension plans that provide lump sum cash benefits, yearly cash benefits or increasing cash benefits, depending on your financial capability.
3. Life
They give the best value-for-money for your life memorial plans, giving you the peace of mind when the unfortunate moment comes. Their exceptional life plans also provide rewards to planholders for living well. Be assured of convenient, professional and caring service with our Family Assistance Officers who are ready to assist your family, 24 hours a day, 7 days a week. PhilPlans also has a nationwide network of accredited mortuaries and crematoriums, assuring their planholders of excellent memorial service at the time of need.
Their life plans provide your family the utmost security that you can depend on. They have products that provide increasing memorial service benefits or cash bonuses that are available for your use anytime.
Mr. Roberto C. Amores
Senior Operations Manager
Southern-Luzon Region
Recent Awards Received
• Employee of the Year (2013)
• 20 years Service Awardee (2012)
With the Operations Department employees, Ms. Agnes Dela Cruz and Mr. Roberto Amores.
Interview with Mr. Roberto Amores.
DONE BY: Ross Christian C. Cabuya ©
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Means Testing Medicare
October 31, 2003
There are a number of controversial elements to proposed legislation that would add a new drug benefit under Medicare and subject the program to private-sector competition. One with far-reaching implications for both Medicare and Social Security, says Walter Shapiro in USA Today, is means-testing benefits.
By means-testing, he means that wealthier seniors could be required to pay more. He does not mention, however, that there are already means-tested health benefits for the elderly -- called Medicaid. Moreover, even if wealthier seniors are not charged more for prescription drug benefits, low-income seniors will likely be charged little or nothing compared to the premiums for seniors of relatively modest means.
As a recent NCPA study (http://www.ncpa.org/pub/ba461/) pointed out, this means testing will impose effective marginal tax rates of up to 156 percent on seniors as subsidized drug coverage phases out.
The conference committee trying to work out the bill's details has agreed on a sliding-scale payment plan to cover doctor visits and the cost of the prescription-drug benefit:
- Most Medicare recipients would continue to pay premiums pegged at 25 percent of the program's cost, but those who earn more than $80,000 a year would contribute more.
- This income-adjusted payment plan would start at 35 percent for Medicare recipients in the $80,000-$115,000 bracket and go up to 90 percent for those making $200,000 a year from wages or investments.
Some Democrats warn it could mean the end of the entitlement (right) to benefits under the program. But Bruce Reed of the Democratic Leadership Council point out "...the bigger slippery slope that Medicare is on is bankruptcy.''
Source: NCPA research and Walter Shapiro, "Medicare Proposal Is a Major Philosophical Shift," USA Today, October 31, 2003.
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sauditor is a sample auditor that is intended to be simple and quick to use. It allows you to quickly and easily search for the sample you want. It features a curses interface, with no mousing required, and a toggleable X spectrum analyzer. The spectrum analyzer lets you see the frequencies present in your samples, which is handy if you want an idea of how much "space" the samples take up in the mix. It uses Jack for output, which allows you to connect filters to the output.
Powernap is a small Python extension for accurate sleeping. Python's time.sleep() function is fairly inaccurate. It is definitely not accurate enough for music, games, or graphics. It can sleep too long or too short, and usually does. Using Linux's real-time clock (RTC) allows for more accurate timing. This extension wraps all the messy RTC stuff and provides nap(), which performs the same job as sleep(), but more accurately. Even more usefully, it provides rnap(), which is a padding nap. That is, if you call rnap(30), it will nap for however many milliseconds are required to make the time since the last nap 30 milliseconds. rtc_on() sets up the real-time clock, and rtc_off() turns it off. It also switches the scheduler to SCHED_FIFO.
A tool for securing DNS communications between a client and a DNS resolver.
A polyhedral extraction tool (PET).