text:
- Please select a date to see the proper prices!
- Meal can be requested on the spot
Best offer
39.12 € / person / night, no meal
Description of the accommodation:
Rooms, services Energetic Wellness Resort Roznov pod Radhostem is welcoming all guests in Rožnov pod Radhoštěm with 58 comfortable rooms to stay in. For guests arriving by car parking possibility is available nearby. You may also enjoy relaxing wellness services on the spot, the steam room and indoor pool will also be available to you. Fans of actively spent leisure time will also have the chance to play table tennis, rent a bike and play billiard nearby. The local gym will provide a great opportunity to do sports and exercises. Your valuables can be the safely secured in the safe. You can also bring your laptop for the holiday, for there is wireless Internet connection (WiFi) available at the hotel. You can find the exact list of services provided by Energetic Wellness Resort Roznov pod Radhostem (including those for extra fees) and the exact equipment of the rooms on the information sheet below.
Payment For the reservation you may need to provide advance payment by credit card or credit card guarantee, depending on the exact date, room and price.
Arrival, opening hours The earliest arrival time is 14:00, the latest time to leave the rooms is 11:00. The personnel can speak Czech and English languages.
Energetic Wellness Resort Roznov pod Radhostem rooms Rooms
- Please select a date to see the proper prices!
Accommodation services
Free WiFi in shared places
Fitness, Table-tennis, Billiard, Bike rental at the accommodation
- Wellness section, relaxation
- Indoor pool
- Steam room
- Jacuzzi
- Finnish sauna
Elevator, Safe deposit box
Bathrobe, Hairdryer, Desk in the room, Mini-bar


text:
I arrived at Mammalinda well before Jim (who was
running a little late). Barely got a cursory hello
from the proprietress who, only 16 hours ago, greeted
us warmly and proudly showed us all this restaurant
had to offer. Even Jim's arrival failed to jog her
memory. Not that it matters much, but strange
The one waitress working was absolutely clueless about
service. She took my order and abruptly walked away
without taking Jim's. She looked a bit miffed when
Jim piped up "I'd like to order too". We had to ask
for silverware when the apps came.
On to the food.... We both agreed that the chicken
empanada I ordered was excellent. It even survived re-
warming in the microwave. A bargain at $1.50!
It tasted even better with the amazing chimichurri
sauce with plenty of visible bits of garlic in it.
Jim was not so lucky with his app. - a big slice of a
layered pie of potato and onions (forgot the proper
name, will probably be in Jim's report).
The Argentine Rib Eye steak, and the chorizo with
fries came next. It was quite a nice sized steak --
probably cost more than $7.95 at the local
supermarket. It was quite flavorful, and cooked
medium as requested. Certainly beats the shoe-leather
they serve at some other Argentine grilled meat
joints. Rice and beans were served with the steak.
The yellow rice suffered from being dried out after
spending too long on the steam table. The red beans
fared much better, but got progressively very salty.
The chorizo was just very mediocre. Jim had ordered
Nose fries with it, but what came out was just regular
shoestring fries. When we asked if this was nose
fries, clueless waitress said they didn't have any and
the fries offered was good. She could at least tell
us beforehand. Well, the fries were NOT good. They
were soggy and flavorless.
We gave the desserts on the spinning carousel a miss.
Reminds me of the one they have on the set of "Union
Square", that horrible diner sitcom.
Time for the check. At least Clueless knew how to add
correctly. We wonder how long this place will stay in
That's my report -- look out for Jim's much more
entertaining version soon.

subset: commoncrawl


text:
Simply desiring to be a leader doesn't mean a person has the character, skill, and courage necessary to be a leader. By: Mike Myatt
Recent Posts
Monthly Archives
January 2013
The message I want to deliver is this; opportunity and timing are inexorably linked. By: Mike Myatt
#Leadership Tip: When tempted to create the map, provide the compass instead - lead don't rescue.
My question for you today is a simple one: "How's Your Attitude?" By: Mike Myatt
The best leaders are not only capable of effectively leading those who hold differing opinions and perspectives – they thrive on it. By: Mike Myatt


text:
NBA legend Michael Jordan believes he could beat LeBron James in a one-on-one basketball game when he was in his prime. He's not sure about Kobe Bryant.
"I don't think I would lose," Jordan said in the video, before smiling
and adding, "Other than to Kobe Bryant because he steals all of my
Jordan, a six-time NBA champion and considered by many the greatest
basketball player ever, has had a sponsorship deal with 2K Sports since
2011, when he first appeared on the cover of the popular game.
The 50-year-old Jordan, who was a five-time league MVP, also shared the cover in 2012 with Magic Johnson and Larry Bird.
This year will be the first time on the cover for James, a four-time
league MVP who has led the Miami Heat to back-to-back NBA championships.


text: Twenty years or so ago I ate at a downtown Boston restaurant that served 3-One pound lobsters for $19.99. If I remember correctly we when upstairs and everyone was eating at picnic tables. Anyone know the name of the restaurant, is it still open, do they still serve the lobster deal and if so how much?


text:
Zlatan Sweden's most popular athlete – by far
Football star Zlatan Ibrahimovic is more popular than ever in his home country. A survey published by tabloid Aftonbladet shows that 46 percent of the respondents prefer Zlatan to any other active Swedish athlete.
The Paris Saint-Germain striker has topped the list for the past four years, but this time around by a bigger margin than usual. "It feels good to have the people's vote. It means I have fantastic support at home," Zlatan told Aftonbladet.
His margin to cross-country skier Charlotte Kalla in second place is over 30 percentage points.


text: I wanted to pass on a few observations after seeing 2001 yesterday on it's limited theatrical run though out the US. I saw it in San Francisco. This is the first time I'd seen it on the big screen as an adult. I saw it in 1968 with my Dad as a 7 year old kid, so it was mostly lost on me then. I do remember the centrifuge sequence though. I must have seen this movie at least 2 dozen times. The print was very good with vivid colors and detail. Some scenes looked a tad washed out, as if the bulb on the projector was too bright, but on the whole it was great. The red chairs on the space station looked almost crimson in color verses the DVD where it's a regular blood red. And I saw film grain! (That was not a complaint) Oh yes, someone hear said that the sound was played loud in Washington DC, it was loud! Especially when the Monolith sent it's signal from the Moon to Jupiter. The main thing I felt seeing it on the big screen was that there was so much to see. I only have a 32" screen at home and all those IBM and Whirlpool logos are lost. Also in larger space shots, like the lunar landing of Dr. Floyd, I was looking at the ship and not just looking at the 4 astronauts on the surface doing their thing there. What I also liked was the ability to really see the distortion of the wide angle lens used. Particularly the wide shots showing the pilots on either side of the Pan Am ship. The other thing that I hope Jack Briggs(sp?) will chime in on was that the as[ect ratio of the big screen looked wider then the DVD presentation from the current Warner disc. I have to check my Criterion laserdisc on this, but the film I saw yesterday looked wider then the DVD. On the deathbead scene when Bowman sees the monolith, the camera is looking from his POV and I could see more of the room on the sides. There is a door way I can see in the film on the leftside , the disc seems to crop off. On the whole, the experience was great to have had. The film never gets old. The story is still as good today as ever. There is so much detail and things going on screen, you can't see on a small video monitor. Someday soon, I'll go FPTV or RPTV or plasma screen. I'd be interested in other observations from anyone who saw it during this current showing. Nelson


text:
Situated in Spicers' historic homestead and overlooking the 12,000-acre working farm, Homage is the epitome of fine dining combined with great service. Breakfast, lunch and dinner are served daily in a gloriously elegant setting where you can sit inside or outside on the veranda with Scenic Rim views.
Head Chef Ash Martin pays homage to the region with locally sourced, seasonal produce, including vegetables from the 89 bed onsite market garden, their own bees, and animals raised free range and organically.
The Sunday lunches at Homage are extremely popular thanks to the mixture of delectable food and visiting jazz artists performing. Come for an unforgettable and special dining experience, and maybe even stay the night. Breakfast bookings are also popular seven days a week.
- Alfresco/Outdoor Dining
- Bar
- Carpark
- Coach Parking
- Entertainment
- Live Music
- Private Dining Area
- Suitable for Functions
3 Night Getaway
Book now and stay in Ipswich. Remember to bring a book otherwise you will be bored.
Terms and Conditions
Conditions Apply


text:
Everynet is a global IoT connectivity company, the first with a complete end to end IoT offering, who have a mission to connect a "billion things". Providing low cost network infrastructure and a flexible Network Platform both with world leading intellectual property that can manage and monitor both your network and your end devices.
With an innovative Partner Program that can facilitate participation in a Global Shared Network ensuring that devices are not limited by lack of coverage and a disruptive business model, Everynet offers the lowest cost of ownership from small PoC's to large scale national IoT deployments.
Everynet believe that the two key barriers to large scale IoT deployment are cost and end device availability and work with selected device and software partners across the value chain to offer a simple 'out of the box' experience. With networks in 10 countries and 30 cities these barriers are already falling - the future is limitless!
Everynet is a contributor Member of the LoRa Alliance and plays an active role in the activities of the Alliance.
For more information, please visit: http://everynet.com/.


text:
Plant Search » Perennials
Kniphofia 'Redhot Popsicle'
Common Name: Red Hot Poker Family: Asphodelaceae (The Asphodel Family)
Notes:Lively, cinnamon red flowers on short, compact plants for the smaller garden. Narrow grassy leaves. Free blooming and re-blooming. 'Redhot Popsicle' is a much smaller plant and more free flowering than 'Nancy's Red'. The red flower colour doesn't fade. A member of the Popsicle Series which offers continuous bloom from summer through fall on dwarf plants. Cultivars include 'Redhot Popsicle', 'Mango Popsicle', 'Pineapple Popsicle', 'Creamsicle', 'Papaya Popsicle' and 'Orange Vanilla Popsicle'.
Geogrpahical Origin:Europe and Western RussiaGarden Origin
*The Plant Encyclopedia is updated each year to provide a close representation of our selection. Not all plants will be in stock at all times. If a certain plant is not available we might have a similar cultivar. We encourage you to email us at info at phoenixperennials.com or call ahead to check availability (604) 270-4133.
Contact Us | Home | © Phoenix Perennials


text:
Ships in 1-7 days
- Length: 30 in.
- Width: 14 in.
- Depth: 1 in.
- Filter Material: Pleated
- Product Type: Air Filter
- Minimum Efficiency Reporting Value: 8 MERV
- Pleated: Yes
- Filters Bacteria: Yes
- Filters Pollen: No
- Trimmable: No
- Filter Frame Material: Cardboard
- High Efficiency: No
- Electrostatic: No
- Filters Dust: Yes
- Filters Mold: No
- Removes Odors: No
- Washable and or Reusable: No
- Filters Smoke: No
- Number in Package: 1 pk
- Metal Mesh Support: Yes
- Filters Viruses: No
- Traps particles such as pollen, plant spores, lint, pet hair and household dust
- Lasts up to 3 months
- Cotton media with expanded metal mesh support
Ships in 1-7 days
30-Day Return Guarantee
We want you to be fully satisfied with every item that you purchase from www.acehardware.com. If you are not satisfied with an item that you have purchased (excluding Gift Cards and gas-powered outdoor equipment*), you may return the item up to thirty days after the original purchase date to receive a store credit (less shipping, handling and other charges). We recommend that you make returns of online purchases to an Ace retail store near you which will issue your store credit. If you do not have an Ace retail store near you, please contact a Customer Service Specialist by calling 1-866-290-5334 for complete return instructions. Please refer to our Return Instructions for more information about returning a purchase.
The item must be returned in good condition, in original boxes (whenever possible), and with all paperwork, parts and accessories to insure full credit. After 30 days, please contact the manufacturer directly.
*Gas-Powered Outdoor Equipment cannot be returned once gas or oil has been put in it, even if the Equipment has been drained of these materials.
What people are saying
Reviewed by 1 customer
- Easy To Install
Best Uses
- Home
Comments about ACE HARDWARE Ace 14in x 30in x 1inPleated Furnace Air Filter:
My home is cooled in the summer time by an evaporative water cooler. In our area we occasionally have smoke from forest fires in the area. The cooling pade used with the cooler are not good filters. I find that using 2 each of 30 x 14 x 1 filters duck taped together against the outside of the pads cleans the air in the house greatly.


text:
|1,625 sq. ft.
|Property type
|Minimum Stay
|23 - 30 nights
A few features that make this villa unique:
Not many villas at KoOlina have solar panels installed as it has been difficult historically for owners to get approval due to limiting regulations. Hawaii has the most expensive electricity rates in the country! Not any more! Our Eco-friendly solar panels mean that you will not be charged any electricity overage penalty fees.
Are you interested in adding a golf cart rental to your stay? We can have it waiting for you in the garage when you arrive.
An added feature which is not common at KoOlina Kai is that this villa has a double long driveway which can fit 2 cars. Most driveways at KoOlina Kai only have 1 parking space in front of the garage.
Not coming for a month?
KoOlina HOA rules restrict rentals to 1 in 30 days, but guests don't have to stay the entire month. You can use the send message button to inquire about your specific travel dates.
This exceptionally large, bright and spacious floor plan has 3 beautifully decorated bedrooms and 3 full bathrooms. Located in the beautiful KoOlina Kai gated community with a location that overlooks a lush greenbelt and has quick access to the walking path to the newly updated pool and cabana area and is just a short distance via walk or golf cart to the beach, golf course, shops and all other ammenities that KoOlina Resort has to offer.
The great room on the first floor is a cozy gathering place and with a large living room (which also has a comfy queen pull-out couch) has high ceilings, features a 52' flat screen TV with cable/wifi, dining room with large dining table, a high end fully equipped kitchen with all stainless appliances and breakfast bar with additional seating. The downstairs patio opens to a view of beautiful green space and the walking path to the pool area. It is also a safe place for kids to play.
The villa is beautifully and professionally furnished and stocked. Two of the bedrooms are located upstairs. The master suite has a plush King bed, a large TV in the armoire and a beautiful master bathroom, consisting of a large tiled walk-in shower, double sinks and a private soaking tub. The upstairs deck is located via sliding door from the master bedroom and is furnished so you can relax and enjoy the beautiful green space view from above.
The second upstairs bedroom has a Queen bed as well as a bunk bed, all with high quality linens. There is a 38' TV for your enjoyment. The bathroom just outside that door has a tub/shower combo.
The third bedroom located downstairs on the main floor (which is especially ideal for grandparents or anyone with trouble going up stairs) has a plush queen size bed and a 38' TV. This room is very private and has a full size bathroom located just outside the door.
The lovely upgraded kitchen is equipped with stainless steel appliances and is stocked with all of the utensils and cookware you will need to create delicious meals. The beautiful dining room set seats 6 and there are 2 barstools that pull up to the kitchen breakfast bar.
There is a separate laundry room with full size washer and dryer for your convenience.
Cable TV, wireless internet and nationwide long distance are all included (US & Canada).
High quality linens are provided.
The location of the this town home in KoOlina Kai is within easy walking distance to the Resort's fabulous white sand lagoons, Championship golf course and Roys restaurant.
We welcome you to contact us and hope you can come visit soon!
Family owned with aloha since 2010. Special care is taken to ensure that everything is in tip top shape and that you have all your questions answered. Pictures don't do it justice. It truly is paradise!
Please also take a look at our other villa only a few buildings down. It is a beautiful 3 bedroom/2 bath on the same street: https://www.vrbo.com/283120
Mary purchased this townhome in 2010
Close to beach, golf, restaurants, water park, go cart racing, shops, Disney Aulani Resort, see turtles at Paradise cove
Short drive to Costco, Target, Was-Mart, Safeway, Starbucks
My family and I stayed at this great home in December/January for a second year in a row. The home is very clean, spacious, well stocked kitchen, and all the comforts of home. We stayed with our young kids and grandparents and the place suited both generations very well. The location is perfect - walking distance to the beach lagoons, a few steps to the pool - and KoOlina is the most beautiful place on this island. Would absolutely recommend this villa to others and will be returning ourselves.
My family of four stayed at this property for a month while waiting for our house. It was a great place to get settled temporarily, my son started school and I was able to cook meals for the family. Having a pool within walking distance and the lagoons nearby was an added bonus.
The villa is very nice and clean. The owner is very accommodating (we booked at the last minute and didn't have a computer to print forms, she helped us work through it all to get us in the property).
The unit I rented was very close to the pool, management office as well as the front gate to this community. The unit was very well presented and clean. If you are looking for peace and quiet, this is it! Very close to the beach and restaurants within the area. When I had to contact the owner, any issues were immediately resolved. Although it was only me and my husband, this is something I could rent again should I bring my entire family back home for a visit.
My family and I spent our Christmas holiday's here and loved it! The kitchen was well stocked, the home was very clean, spacious and perfect for a family with kids. The pool was only a short walk away and the nearby lagoons are beautiful and perfect for young children. We were able to enjoy regular walks to the nearby ice cream shops, coffee shop and restaurants. We absolutely love Koolina, and will be back next year.
We really enjoyed our stay here!! It has all the amenities and comforts of home. Ko'Olina is a beautiful place to relax. The pool is perfect, and the nearby lagoons are great for families. We forgot some of our souvenirs in the home, and they went out of their way to quickly ship them to us. The owner/ management are great at answering any questions or concerns. If you'd liked to visit O'ahu, but do not want to stay in the congested tourist area, then this is the gem for you!
My family and I really enjoyed our stay at this townhouse. Upon arrival, the place was clean and well maintained. My nephews really enjoyed using the pool, and also the short drive to the lagoons. My dad likes to walk and he really enjoyed the strolls around the Ko Olina community. The unit is a short walk to great restaurants, coffee and a general store. We would definitely consider staying in the unit again. The owner was very easy to deal with and responsive to all our questions. The townhouse was spacious and the kitchen was great for cooking at home. We felt quite safe in the unit and the Ko Olina Kai community. Don't hesitate to book this place!
|Refundable damage deposit
|Cleaning Fee
|Tax Rate
Approximate monthly rates, actual rate will depend on the days of the month you stay
Cancellation policy happily provided upon request.
Inquire about optional payment methods to save on fees.


text:
Unsettling, surprising ways to learn about oneself.
As I am sitting here, a black ball of purring fur in my hoodie deciding whether to take its chance at staying on my lap in such an uncomfortable setting, I still wonder about how I will crystallize the train of though that brightened my return home since yesterday. Read the rest of this entry »


text:
- Home
- About
- Lodges/Book
- What's On
- News & Offers
- Contact
Click thumbnail images to enlarge
Bluebells is a lovely self catering lodge at Dartmoor View Lodges, which has always been a 'non-pet zone'. A brand new kitchen was installed during 2016 and a shower-room upgrade has just been completed. The veranda is scheduled for upgrade during late 2017.
The main bedroom has a kingsize bed and the second bedroom is a twin but can be configured to also accommodate a small child in a cot/toddler bed.
Outstanding views of Dartmoor which is 10 miles distant and all of the beautiful countryside in between.
For more details see lodge facilities below, or call/text 07890 072515 or 01409 231 390, or click here to contact us.
Low Season - minimum 3 nights £255
4 nights £280
5 nights £305
6 nights £325
- 7 nights saver £345
Mid Season - 7 nights £495
High Season - 7 nights £595
For all availability enquiries, please call 01409 231390 or call/text 07890 072515 or click here to contact us.
We will try to be as flexible as possible! Additional nights if available in mid/high
season charged at £85
From time to time we have special offers and late availability.
To make sure you don't miss one these, please join us on Facebook
• Short breaks available - flexible start days in low season
• Electricity included
|• Double bedroom
| • Log burner (1st trug of logs supplied foc
in the winter)
|• Twin bedroom (2'6"), can also take cot/toddler bed
|• Laundry facilities (small charge per wash)
|• Fridge & Freezer
|• Luxury Lodge in a very peaceful location.
|• We have a ramp available on request
| • South facing with spectacular, panoramic views
across beautiful Devon Countryside towards
|• Electric oven
|• Dartmoor
|• Microwave
|• Tranquil setting
|• Flat screen tv including dvd player
|• Well placed for exploring
|• Linen and Towels included
|• Free 'superfast' Wi-Fi
|• Non-smoking establishment
| • Covered patio seating area accessed through
double doors
|• Pet free zone (Brambles and Buttercups welcome pets)
|• Parking alongside your Lodge
|• Picnic bench in your own garden area
|• Fully equipped spacious accommodation
Check-in from 4pm / check-out is 10am. Please call 01409 231390 or 07890 072515 if you are likely to require a late check-in.
Please Note: There is a £50 security/damage deposit payable – refunded within 3 days of your holiday providing there is no damage.
To see our tariff click here.
We take just a £100 deposit, paid at the time of booking online to secure lodge and the dates you want.
If you would rather talk to us to make your payment over the telephone, or have any queries, then please call 01409 231390 or 07890 072515
Once cleared payment has been made, email confirmation that your holiday has been successfully booked will be sent to you.
We will send you an invoice for your final payment 6 weeks before the date of your holiday, along with details of how to find us. If the booking is within 6 weeks, the total amount, including security/damage deposit, will be due at the time of booking.
No dogs allowed at this lodge, sorry!
© 2017 Dartmoor View Lodges. Website Built by The Big Ideas Business Ltd. Powered by BIG CMS Sign In to Edit this Site


text:
5/48 Lansell Road Toorak 3142 VIC
Great spaces in sublime gardens
Large ground floor three bedroom garden apartment quietly nestled amidst extensive, established landscaped surroundings. The impact of thorough renovation, clearly been carried out with quality uppermost in mind, is evident throughout impressive spaces including huge living and dining areas featuring fresh oak floors opening to a courtyard that overlooks the gardens. To the rear, a brand new separate kitchen with breakfast bar includes stone benches, soft closing cabinetry and contemporary appliances. A main bedroom with built in robes and a fully tiled ensuite that enjoys its own corner of the floorplan is complemented by two additional double bedrooms, each with built in robes, that surround a beautifully presented second bathroom, plus laundry. In a wing of only two residences, with two adjacent carports, it is desirably close to schools including St Catherine's, St Kevin's and Scotch College, the boulevard bike path, walking distance from Toorak and Kooyong Villages, served by trams, buses and Heyington station trains. Enter from Lawrenny Court.
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Agent Information
Jellis Craig Armadale
Armadale VIC, 3143
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Real Estate For Sale in Toorak, VIC 3142 priced between $900,000 and $1,700,000


text:
An optional rider for variable annuities issued by Transamerica Life Insurance Company in Cedar Rapids, Iowa. Annuities are underwritten and distributed by Transamerica Capital, Inc.
Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author.While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server.
Annuities may lose value and are not insured by the FDIC or any federal government agency. They are not a deposit of or guaranteed by any bank, bank affiliate, or credit union.
Separately Managed Accounts, ETFs,
Mutual Funds
Pensions andIncome Annuities
Deferred Variable Annuity with Guaranteed Income (GMWB)
– "How Much to Allocate to Annuities?," Moshe A. Milevsky, PhD. Research Magazine, August 2009
Source: U.S. Census Bureau, Saperston Companies, Bankrate, statisticbrain.com, January 1, 2014
"80% of Americans believe they will not have enough money for retirement"
In short-term
liquid investments
Source: Guide to the Markets, JPMorgan, January 2014
Average Savings Account 0.12%
1-Year CD 0.23%
5-Year CD 0.80%
5-Year Treasury 1.50%
10-Year Treasury 2.71%
Sources: bankrate.com and federalreserve.gov, as of February 18, 2014. Generally a higher rate of return involves a higher degree of risk.
"A long spell of low interest rates has created a windfall worth billions to banks, mortgage borrowers and others it was designed to benefit. But for many people who were counting on their nest eggs, those same low rates can spell trouble. The longer the Central Bank keeps interest rates low to stimulate the economy, the more money it pulls out of the pockets of millions of savers."
– "Fed's Low Interest Rates Crack Retirees' Nest Eggs," Wall Street Journal, April 4, 2011
"Among the most vulnerable are retirees, who have few options to restore lost income on investments built up over entire lifetimes."
"They're losing their investment income precisely at the time when they need it most."
– "Fed's Low Interest Rates Crack Retirees' Nest Eggs," Wall Street Journal, April 4, 2011
What would the Cost of Income be for investments in order to create $20,000 in annual income?
Private Sector Pensions Disappearing
out of every 100 workers
had pensions in 1979
out of every 100 workers
had pensions in 2013
Sources: Social Security & Pensions, SmartMoney, October 2011 and Retirement Benefits: Access, Participation, and Take-Up Rates, Private Industry Workers, National Compensation Survey, Bureau of Labor Statistics, March 2013.
Social Security Cost of Living Adjustment
Increase in Cost of Living Adjustment Social Security recipients receive in 2014
Source: Social Security Announces 1.5 Percent Benefit Increase for 2014, www.ssa.gov, October 30, 2013.
Social Security Funding Declining
The government appointed Board of Trustees estimate of when the Social Security program will not be able to pay 100% of promised benefits
Source: Social Security Board of Trustees: No Change in Projected Year of Trust Fund Reserve Depletion, www.ssa.gov, May 31, 2013.
Trillions Lost Overnight
U.S. Retirement Assets Lost in Two Market Collapses
$3.7 trillion lost
$1.4 trillion lost
S&P 500® chart derived from Yahoo! Finance data. Past performance is no guarantee of future results.
Source: US Retirement Markets and Retirement Assets Total $17 Trillion in Third Quarter 2011 and The US Retirement Market Third Quarter 2010, ici.org.
A Conservative
2.3% Inflation Rate
Today will be worth
But keep in mind, the inflation rate over
the past 30 years has averaged 4.3%
In 10 years
In 20 years
In 30 years
Sources: Inflation: Fourth Quarter 2013, Survey of Professional Forecasters, November 25, 2013, www.calculator.net/interest-calculator.html and www.calculator.net/inflation-calculator.html.
Medical Expenses are Skyrocketing
Consider, it is estimated that a 65-year-old couple today will need $220,000 for medical expenses throughout retirement, not including nursing home care.
38% increase in costs since 2002
Source: Fidelity Estimates Couples Retiring In 2012 Will Need $240,000 To Pay Medical Expenses Throughout Retirement, fidelity.com, May 9, 2012 and Fidelity Estimates Couples Retiring In 2013 Will Need $220,000 To Pay Medical Expenses Throughout Retirement, fidelity.com, May 15, 2013.
The Opportunity to Create:
Here's How…
Any withdrawals, including those permitted under the rider, reduce your variable annuity's policy value, death benefits and other values. Withdrawals may be subject to surrender charges.
All guarantees, including optional benefits, are based on the claims-paying ability of the issuing insurance company.
All guarantees, including optional benefits, are based on the claims-paying ability of the issuing insurance company.
Growth5.5% Annual Compounding
InvestmentsMultiple Investment OptionsFlexible Cost Structure Choices
*If the rider is structured as joint life, the withdrawal percentages are 0.25% lower and are based on the younger of the annuitant or the annuitant's spouse when withdrawals begin.
"There is no significant difference among daily, weekly, and monthly step-ups."
–"Allocation to Deferred Variable Annuities with GMWB for Life," Journal Of Financial Planning, February 2010.
Opportunity In Up Markets
Every month matters
"The Dow Jones Industrial Average closed up 7.80 points, or 0.07% at 11,577.51, up 11% from where it began in 2010. The Dow's gain for the year represents its second-straight annual increase, with almost half of the 2010 climb having come this month; it rose 5.20% in December."
"U.S. stocks rose Friday, and posted gains for the week and the month of April, with a climb in shares of Caterpillar Inc. helping push the DJIA up 47.23 points, or 0.4%, higher to 12,810.54. For the week, the Dow rose 2.4% and finished April up 4%, its heftiest monthly rise since December."
— "U.S. stocks rise Friday; Dow Climbs 4% in April" CBS MarketWatch.com
"The Dow soared 9.5% last month, its best month since October 2002. Measured by points, the 1,041.63 point rise was its biggest ever. "
— "A Month to Remember for Markets," The Wall Street Journal
Protection in Down Markets
Policy Value and Withdrawal Base
Withdrawal Base
5.5% Guaranteed Growth
Policy Value
This is a hypothetical illustration intended to illustrate the features of the Retirement Income ChoiceSM 1.6 rider. This illustration does not guarantee or predict actual performance.All guarantees, including optional benefits, are based on the claims-paying ability of the issuing insurance company.
Growing And Protecting Retirement Income
MonthiversarySM in action
The rider was purchased March 31stand the policy value was recorded every month thereafter on the same date. In this case, October 31st was the highest MonthiversarySM
Receive 5.5% annual compounding growth to your clients withdrawal base for up to 10 years*
Automatically lock-in the highest MonthiversarySMvalue and step-up your clientswithdrawal base
Withdrawal Base
This illustration does not guarantee or predict actual performance.
* Assumes no withdrawal is taken in the rider year.
Protection of Lifetime Income
Withdrawals are based on the annuitant's age when withdrawals begin. If the rider is structured as joint life, the withdrawal percentages are based on the younger of the annuitant or the annuitant's spouse when withdrawals begin, and may be changed with an upgrade or Automatic Step-Up.
All guarantees, including optional benefits, are based on the claims-paying ability of the issuing insurance company.
The performance quoted represents past performance and does not guarantee future results; current performance may be lower or higher than the performance quoted. The annuity value will fluctuate with market conditions so that when surrendered, it may be worth more or less than the total of premium payments. To obtain performance data current to the most recent month-end go to www.transamerica.com.
The performance displayed without surrender charges reflects the portfolio returns assuming a single premium payment (date next to portfolio name) with the Annual Step-Up Death Benefit, are net of all asset-based fees, including the daily Mortality and Expense Risk fee and Administrative charge equal to 1.50% annually, 12b-1 fees, (if any) and all other actual portfolio expenses. The performance displayed with surrender charges reflect the subaccount returns assuming a single premium payment with the Annual Step-Up Death Benefit, are net of all asset-based fees, including the daily Mortality and Expense Risk fee and Administrative charge equal to 1.50% annually, annual service charge, maximum surrender charge (8%), 12b-1 fees, (if any) and all other actual portfolio expenses. Neither include any charges for other optional riders or any taxes that may apply at distribution. If they had, performance would be lower. The figures in the tables may reflect waiver of advisory fees and reimbursement of other expenses. In the absence of such waivers, the performance would have been lower.
Hypothetical Scenario Based on Historical Performance
On October 31, 2007, the investor captured their highest MonthiversarySM before their policy value declined in 2008.
In 2009, the investor received 5.5% guaranteed Withdrawal Base (WB) growth, which protected their retirement income in a declining market. In 2010, 2011, 2012, and 2013, the investor received 5.5% guaranteed WB growth each year.
The investor's retirement income has increased nearly 136% since the inception of the policy.
*No value is displayed when the highest MonthiversarySM value for the rider year is less than (1) the withdrawal base and (2) the highest MonthiversarySMvalue since rider inception. Increase due to an Automatic Step-Up. Increase due to 5.5% Growth Feature.
The Withdrawal Base does not establish or guarantee policy value, surrender value, minimum death benefit, or return for an investment option. The illustration is intended to help you understand how historical performance of TA Asset Allocation – Moderate Growth TST – Service Class would affect the values and benefits of this annuity and rider. This illustration does not guarantee or predict actual performance. The historical portfolio annual returns reflect year-end values that are net of all fees and charges except surrender charges, income tax and, if applicable, state premium tax. The Historical Portfolio Annual Returns, Policy Value, and Cash Value columns reflect the deduction of the annual 1.50% M&E&A charge for the Annual Step-Up Death Benefit, and investment option management fee. They are further reduced by the initial annual rider fee percentage of 1.45% of the Withdrawal Base for the initial five rider years and then an additional maximum 0.75% thereafter. The Retirement Income ChoiceSM 1.6 rider was not available for purchase until September 17, 2012. The Joint Life growth rate is 5.0% in New York.
Market volatility caused the investor's policy value to decrease by nearly 36% in one year.
March 31, 2003 This is the date the annuity was issued. On the same day each month (the 31st or following business day), this investor's policy value will be recorded by Transamerica. This is called the investor's MonthiversarySM value.
Every month counts
$250,000.00 This is the premium the investor paid into the annuity and their initial Withdrawal Base (WB).
$394,495.00This is the investor's current policy value, based on the performance of their chosen investment option since the annuity was issued.
$451,125.00This is the investor's Highest Rider MonthiversarySM Value since the rider inception which was captured on October 31, 2007.
$589,603.00This is the investor's WB, which is used to determine their guaranteed retirement income. The WB is guaranteed to never decrease in value unless the investor takes an excess withdrawal.
Statement Summary: Automatic Step-Up Increase Opportunities Can Be Beneficial
Withdrawal Base* since inception: $250,000.00 $589,603.00 = 135.84% IncreasePolicy value since inception: $250,000.00 $394,495.00 = 57.80% Increase
*This is the amount used to calculate the rider withdrawal amount. It cannot be taken as a lump sum.
$29,480.00Once the investor begins withdrawals, this is the investor's available retirement income amount to withdraw until the next rider anniversary date.
$29,480.00This is the investor's guaranteed retirement income for life, even if the policy value falls to zero, unless the investor takes an excess withdrawal.
Results are hypothetical and based on historical performance. They do not represent investment results of any particular investor.All guarantees, including optional benefits, are based on the claims-paying ability of the issuing insurance company.
Well Known Money Managers
Vanguard, the ship logo, and Vanguard ETFs are trademarks of The Vanguard Group. Vanguard is one of the managers of the underlying ETFs.
BLACKROCK is a registered trademark of BlackRock, Inc. All other trademarks are those of their respective owners.
The investment objectives and policies of certain funds may be similar to those of other funds managed by the same investment advisor. No representation is made, and there can be no assurance given, that any fund's investment results will be comparable to the investment results of any other fund, including another fund with the same investment advisor or manager.
The investment options are subject to market fluctuation, investment risk, and possible loss of principal.
Prepare for Long-Term Care
Sources: National average costs of care, The Federal Long Term Care Insurance Program. https://www.ltcfeds.com/start/aboutltc_cost.html. American Association for Long-Term Care Insurance, 2011 LTCI Sourcebook and Alzheimer's Association 2013 Alzheimer's Disease Facts and Figures.
Prepare for Long-Term Care
Not available in California and Connecticut.
Withdrawals are based on the annuitant's age when withdrawals begin and may be changed with an upgrade or Automatic Step-Up.
All guarantees, including optional benefits, are based on the claims-paying ability of the issuing insurance company.
Group A Investment Options
Group B Investment Options
Group C Investment Options
Rider fees are as of May 1, 2014. The rider fee is deducted on each rider quarter in arrears. For Designated Allocation fee calculation purposes, the rider fee will be weighted based on the policy value in each respective group as of the beginning of each rider quarter, and will be adjusted for certain policy activity during the rider quarter. The fees above are the initial fees for the Retirement Income ChoiceSM1.6 rider, and are an annual percentage of the Withdrawal Base. The rider fee percentages above may increase beginning with the fifth rider anniversary with an Automatic Step-Up. You have 30 days after the rider anniversary to reject an Automatic Step-Up, and retain the right to all future Automatic Step-Ups if they reject one. The maximum rider fee percentage allowed is 0.75% higher than the fees shown above.
1After 12 transfers in a year, a $10 per transfer fee may apply.
Designated Allocation:
• Your choice of any combination ofdesignated investments in Groups A, B, or C.
• Ability to divide assets across multiple
groups, with a fee structure based on
the amount invested in each group.
• Freedom to transfer among investment
options in any of the groups at any time.1
"Also, given the markets' volatility, look for an annuity that evaluates whether to reset the floor frequently. One Transamerica Corp. product looks at monthly market benchmarks, and uses the month with the best performance each year to calculate a new baseline for an account's value and payments,"says Jim Otar, engineer and CFP from Thornhill, Ontario.
– "Which Way to Retirement?" Wall Street Journal, August 12, 2011
All guarantees, including optional benefits, are based on the claims-paying ability of the issuing insurance company.
"As insurance companies continue de-risking their annuity products, by effectively reducing guarantees, only a handful of companies marketing guaranteed lifetime withdrawal benefits (GLWBs) offer true protection against longevity, sequence of return and (potentially) inflation risk. I believe one of them is Transamerica."
– "Transamerica Principium II," Moshe A. Milevsky, Research Magazine, January 2011
Growth5.5% Annual Compounding
InvestmentsMultiple Investment OptionsFlexible Cost Structure Choices
*If the rider is structured as joint life, the withdrawal percentages are 0.25% lower and are based on the younger of the annuitant or the annuitant's spouse when withdrawals begin.
Before investing, consider a variable annuity's investment objectives, risks, charges, and expenses. Call 1-800-525-6205 for a contract and fund prospectus containing this and other information. Please read it carefully.
Transamerica variable annuities' range of fees and charges include 0.45%-1.90% M&E&A, 0%-9% surrender charges, $50 annual service charge, and investment option management fees. A fund facilitation fee of up to 0.30% annually may apply for certain investment options.
Initial rider fees for Retirement Income ChoiceSM 1.6 range from 0.70%-2.30% annually, depending on options chosen. Because the rider fee is a percentage of the WB the amount of the fee will fluctuate as the WB increases or decreases. Even in the event the policy value declines significantly the fee amount could be a much higher percentage of the policy value.
Your clients must wait until the rider year after they turn age 59 to begin withdrawals permitted under the rider. If the rider is purchased prior to age 59, however, the rider fee will still apply. The rider may be added at any time through age 85.
Any withdrawals, including those permitted under the rider, reduce the variable annuity's policy value, death benefits, and other values. Should the variable annuity's policy value fall to zero, your clients will receive payments up to the amount allowed under the rider for life.
Withdrawals may be subject to surrender charges.
Withdrawals of taxable amounts are subject to ordinary income tax and may be subject to a 10% additional federal tax if withdrawn before age 59½.
On the maximum annuity commencement date, the rider terminates. By annuitizing the policy, your clients will have the option to receive lifetime payments that are no less than the withdrawals allowed by the rider. Annuitization must generally occur by the annuitant's age 99.The Automatic Step-Up 5.5% growth rate applies only to the WB; it does not apply to policy value, optional death benefits, or other optional benefits.
Additional Information
All contract and rider guarantees, including optional benefits and any fixed subaccount crediting rates or annuity payout rates, are backed by the claims-paying ability of the issuing insurance company. They are not backed by the broker/dealer from which this annuity is purchased, by the insurance agency from which this annuity is purchased, or any affiliates of those entities, and none makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.
The investment options are subject to market fluctuation, investment risk, and possible loss of principal.
Your clients must allocate 100% of the policy value into one or more of the designated investment options.
Investment option names may vary from their corresponding underlying portfolio names. Please see the contract prospectus for underlying portfolio names.
Additional Information
Financial institutions that sell our products may have their own guidelines to determine suitability of our variable annuity policies and/or riders. Some financial institutions may not sell all of our products, may have specific issue ages for our variable annuity policies, and may not have all living and death benefits available.
For federal tax purposes, married same sex individuals are recognized as "spouses". The IRS has adopted a rule providing that the term "spouse" does not include an individual who has entered into a registered domestic partnership, civil union, or other similar relationship. The status of these relationships for state purposes may vary based on the applicable state law. Transamerica intends to administer variable annuity contracts consistent with the IRS rulings until further notice. Please contact a qualified tax advisor prior to purchasing to discuss how exercising spousal continuation benefits under this contract or any riders will affect you for both federal and state tax purposes. Please see prospectus for more details.
All policies, riders, and forms may vary by state, and may not be available in all states. ICC12 VA0513, NIC12 VA0513(FL), ICC12 RGMD80513, NIC12 RGMD80513, ICC12 RGMD50513, NIC12 RGMD50513, RGMB 37 0809, RGMB 38 0809, RGMB 37 0809 (IS)(FL), RGMB 38 0809 (IS)(FL), other versions also available, RGMB 37 0514R (IS)(OR), RGMB 37 0514R (IJ)(OR), RGMB 37 0514R (AS)(OR), RGMB 37 0514R (AJ)(OR), RGMB 38 0514R (IS)(OR), RGMB 38 0514R (IJ)(OR), RGMB 38 0514R (AS)(OR), RGMB 38 0514R (AJ)(OR)


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1/56 Holland Street Bargara 4670 QLD
Relax with Beautiful Views.
Fully furnished and fully air-conditioned 3 bedroom unit with ensuite, and built in robes, stainless steel kitchen appliances, great view of parkland and walking distance to the patrolled beach. Lift access, & under cover secure parking Available soon!
Property Code: 403192041
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Bargara Real Estate
Bargara QLD, 4670
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Real Estate For Rent in Bargara, QLD 4670 priced between $270 and $510


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Discussion in 'Books, Music and Television' started by Mark_18, May 3, 2008.
Don't Take The Girl
It seems to be a bad link.
it was working the other day
It's working for me...
It is working fine now. I tried it three times this morning with no results.
anyone like it?
I love it I must say.
it's cool- I am just not a country music kind of guy.
The story gets to me in a touching way. I'm too sensetive sometimes.
I like it
ya i have always liked this song. it is just a really good song.


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About Scalini Fedeli
Scalini Fedeli ranked among New York's finest restaurants since its opening in early 2004, taking Italian cuisine to new heights. Rewarded with the highest overall ratings in the Zagat Survey, Scalini Fedeli has been granted one star by the Michelin guide in it's inaugural 2006 issue. The inviting decor features vaulted ceilings and European antiques and provides the perfect setting for chef Michael Cetrulo's delightful cuisine which offers the finest ingredients coupled with a confidence and grace that ensures your meal will be a memorable one. Menu highlights include soft egg yolk raviolo with ricotta and truffle butter and New York's finest venison chop in a port wine and balsamic vinegar sauce with toasted hazelnuts, sautéed spinach and roasted Mission figs. The 350-bottle wine list encompasses all regions of Italy but also does justice to the best American wineries.
New York, NY 10013
Dining Style:
Fine Dining
Hours of Operation:
Dinner: Monday - Thursday 5:30pm-10:00pm, Friday & Saturday 5:30pm-11:00pm, Sunday 3:30pm-8:30pm
Cross Street:
Dress Code:
Smart Casual
Price Range:
$50 and over
Payment Options
AMEX, Discover, MasterCard, Visa
Phone Number:
(212) 528-0400
Parking Details:
Street parking and a private lot.
Public Transit:
Chambers St
Executive Chef:
Michael Cetrulo
Private Party Facilities:
10 to 18 people in our wine cellar.
Corkage Fee, Full Bar, Private Room, Wine
Restaurant Photos
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Scalini Fedeli Ratings and Reviews
Service, atmosphere and food were all phenomenal. Will definitely return for a special occasion. Only odd thing was we were charged as if we cancelled the reservation within 48 hours of the reservation, which we realized after we had gone to the restaurant. I'm sure once we speak with them they'll be more than accommodating as they were during dinner and assist us. Definitely recommend. Especially a round table by the windows.
I was very impressed from the moment our group walked in. Greeted by a friendly maitre'd who seated us quickly. Staff were friendly and very attentive. The food was excellent. From the antipasto to the dessert. Choices were plenty and each dish was better than the other.
We thoroughly enjoyed ourselves and would definitely return when visiting New York.
Okay, it's a prix fixe menu. But for $70, you not only get 3 generously sized courses, you get multiple (I counted at least 4) complimentary items. These included desserts, truffle ravioli, and a dessert wine, completely complimentary! Think about the other prix fixe places that charge upwards of $150 per person.
The service is so attentive and friendly that it's almost unbelievable. You can ask anything of any staff and they will jump to your need. We didn't finish our dessert because we were full and the server was extremely concerned. We assured him it was okay, but you can tell they take your happiness seriously.
As for the food, simply magnificent. You almost have to re-calibrate your idea of what a good tasting meal is because this is far beyond the standard you've come to know.
This place = the best.
Wonderful experience. Table roses and candlelight reflecting off of arched ceiling gave a very romantic look to the room . Food was yummy and we truly enjoyed the attention given by the helpful and hard working staff. A step back in time in the best way. Highly recommend for a night out that leaves you feeling great.
Excelente!!! No es barato pero cada centavo se ve reflejado en su calidad y en la atención y servicio del personal.
This place was fantastic all around. Food was superb. We went with all the waiter's recommendations on food selections. He was right on all accounts. This is not the newest or hottest place around. I would call it a sure bet for a great dining experience. This place has been around for more than 15 years and from the looks of it .... it is not going anywhere too soon. One of NYC's gems.
From the moment we entered, we were made to feel special and not just like another table of 2. The waiter explained everything in detail, the Maitre d was professional and immediately wished us a happy anniversary. Food was rich, hot, and perfect. We would highly recommend.
I hadn't eaten here in about 2 years. My last meal was not satisfactory (not bad, but not great and certainly not worth the cost) and the usually excellent service was just so so. But a friend and I just happened to be in the area, saw place and decided to give another chance. It was well worth it, the food and service were both excellent. Back to level I remember when first started going there.
I had a reservation at Babbo for this weekend, but I got this recommendation from my airport car driver and decided to switch. I am SO glad we did - everything was simply delicious. If you can swing it, the $115 pp 8 course regional tasting was to die for (especially if you're into truffle flavors). The plates are small (i.e. 3 ravioli) so you're not stuffing yourself. You really can't go wrong here though, the chef knows his stuff.
We are a younger couple and can sometimes be treated poorly at nice restaurants because they think we can't tip or don't understand the difference between good and great service, however, the service was really good and we were served with as much respect as the older businessmen and couples.
Also expect to spend some time here - they don't rush you and you'll want to enjoy the experience. We were there from 7 - 10:30p! It was surprisingly loud but not unbearable plus it calmed down after 830 or so.
Bottom line - make this part of your trip to NYC if you're looking for an amazing food and service experience.
I have worked in the food business my entire life. My wife and I both have a very strong affinity for Italian food. As native New Yorkers now living in Chicago we visited NYC for my 60th Birthday with dear (Italian) friends. Our experience at Scalini Fedeli was as good as we have ever had. Simply superb on all fronts! I have been traveling for business over the last 30+ years and mostly eat and entertain at privately owned Italian restaurants across the country. I appreciate all categories of Italian dining from the wobbly table joint to high tech fine dining. This is the top , especially if you participate positively in the care taken by these people to please. We are witnessing the aspects of fine dining slipping away to the more eclectic , low frills , less formal establishments. Thats fine as demographics now dictate it. There are so many working hard to please all customers. This restaurant however gives me hope that pure excellence in all facets of the dining experience are alive and well for those who seek it. BRAVO.
A great and pleasant restaurant with delicious food. A little pricey but worth the money. Portions are sufficient. Some may think they are small but we have never left the table hungry! Service is excellent and very attentive. They allow you the time to enjoy your dinner at your own pace. Definitely recommend it.
Scalini Fedeli is a welcome throwback in Manhattan. We've been going for ten years and love its old school approach. There's nothing trendy here, just outstanding food, a lovely atmosphere and attentive service. It makes a difference when you have an experienced on-premises manager like Nick, who keeps a close eye on things.
We enjoy taking guests from out of town, as we did again this week. They've never been disappointed. Neither have we.
Wonderful experience. Top notch service and food. Even on a Saturday night we were not hurried in the least. Perhaps the most pleasant room in which I have ever eaten - comfortable, elegant and quiet enough to have a normal conversation. Price Fix menu with good choices and that is a decent value (for top notch restaurant in Manhattan).
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Enhance the competitiveness of the Arab SMEs in the knowledge economy
Due to their increasing importance to production growth and vital relation with various productive sectors in society, small and medium enterprises (SMEs) have become one of the key instruments to face economic and social problems and achieve development objectives in most industrial and developing countries. Statistics show that SMEs represent 90% of total companies in the vast majority of economies worldwide and provide 40-80% of total job opportunities in addition to contributing largely to GDPs of many countries. For example, they constitute about 99% of the total private business, non-agricultural in Egypt, and contribute about 80% of the total added value produced by the private sector, with about two-thirds of the labor force and three-quarters of workers in special functions outside the agricultural sector. for Kuwait, this sector constitutes approximately 90% of the private workforce, including labor and imported an estimated 45% of the labor force, employment and national rates of less than 1%, in Lebanon, more than 95% of the total enterprises, contribute about 90% of the jobs. In the UAE , small and medium enterprises accounted about 94.3% of the economic projects in the country, and employs about 62% of the workforce and contributes around 75% of the GDP of the state. In addition, they account for 96% of the GDP in Yemen in 2005, and about 77%, 59%, 25% in Algeria, Palestine and Saudi Arabia, respectively, during the same year , while the contribution of these projects range between 25% -40% of the GDP of Egypt.This research aims to study enhancing the competitiveness of small and medium business enterprises in the Arab Countries under the knowledge economy in the light of the growing interest in it, through identification of the concept and importance of small business enterprises for the Arab States, the most important challenges facing development, and finally the research tries to propose a number of policy recommendations to develop and activate this important sector in the Arab countries under the knowledge economy.
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|Date of creation:
|Mar 2010
|Contact details of provider:
| Postal: Ludwigstraße 33, D-80539 Munich, Germany
Phone: +49-(0)89-2180-2459
Fax: +49-(0)89-2180-992459
Web page: https://mpra.ub.uni-muenchen.de
More information through EDIRC
References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- Meghana Ayyagari & Thorsten Beck & Asli Demirguc-Kunt, 2007. "Small and Medium Enterprises Across the Globe," Small Business Economics, Springer, vol. 29(4), pages 415-434, December.
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text:
Functional Complementation Analysis (FCA): A Laboratory Exercise Designed and Implemented to Supplement the Teaching of Biochemical Pathways
1Thomas H. Gosnell School of Life Sciences, Rochester Institute of Technology
1Thomas H. Gosnell School of Life Sciences, Rochester Institute of Technology
1CEA, Genoscope, 2Université d'Evry, 3CNRS-UMR8030, 4Université Paris-Saclay
1Institute of Biochemistry, Stuttgart University
1School of Science and Health, University of Western Sydney, 2Van′t Hoff Institute for Molecular Sciences, University of Amsterdam
1Latner Thoracic Surgery Research Laboratories, University Health Network, 2Department of Pediatrics, British Columbia Children's Hospital & University of British Columbia, 3Institute of Medical Science, University of Toronto
1Chemical & Biological Process Development, Pacific Northwest National Laboratory
1Scripps Florida, The Scripps Research Institute
1Feedstocks Division, Joint Bioenergy Institute, 2Physical Biosciences Division, Lawrence Berkeley National Laboratory
1MR Neuroimaging Agents, Max Planck Institute for Biological Cybernetics
1Sensors and Electron Devices Directorate, US Army Research Laboratory
1Department of Pharmacology and Physiology, University of Montréal, 2Department of Physics, University of Montréal
1Department of Chemistry, Slippery Rock University
1Department of Pharmaceutical and Pharmacological Sciences, University of Padova, 2The RNA Institute, SUNY Albany
1Institute of Chemistry and The Center for Nanoscience and Nanotechnology, The Hebrew University of Jerusalem
1Department of Biological Sciences, Center for Applied Chemical Biology, Youngstown State University
1Institute of Biochemistry, University of Cologne
1Department of Drug Discovery and Biomedical Sciences, University of South Carolina
1Departamento de Química de Biomacromoléculas, Instituto de Química, Universidad Nacional Autónoma de México, 2Departamento de Genética del Desarrollo y Fisiología Molecular, Instituto de Biotecnología, Universidad Nacional Autónoma de México
1Centre de Résonance Magnétique Biologique et Médicale, UMR 7339 CNRS, Faculté de Médecine, Aix-Marseille Université, 2Centre de Recherches en Oncologie Biologique et Oncopharmacologie, UMR 911 INSERM, Faculté de Médecine, Aix-Marseille Université
1Epigenetics Program, Department of Biochemistry and Biophysics, Perelman School of Medicine, University of Pennsylvania
1School of Chemistry, Food and Pharmacy, The University of Reading, 2Department of Nutritional Sciences, The University of Reading
1Department of Chemistry, Capital Normal University, 2College of Life Sciences, Capital Normal University
1Department of Chemistry, The Hebrew University of Jerusalem, 2Wolfson Centre for Applied Structural Biology, The Hebrew University of Jerusalem
1Department of Chemistry, University of Virginia
1Plant Sciences Institute, Agricultural Research Service, United States Department of Agriculture, 2Molecular Plant Pathology Laboratory, Agricultural Research Service, United States Department of Agriculture
1Department of Cell Biology, University of Texas Southwestern Medical Center at Dallas
1Department of Molecular and Medical Pharmacology, David Geffen School of Medicine, University of California at Los Angeles, 2Crump Institute for Molecular Imaging, David Geffen School of Medicine, University of California at Los Angeles, 3California NanoSystems Institute, University of California at Los Angeles, 4Nuclear Medicine, PET Center, Shanghai Medical Collegea, Fudan University, 5Electronics and Information Engineering, College of Electronics and Information Engineering, Wuhan Textile University
1Department of Otolaryngology, University of California, San Francisco, 2Department of Chemistry, University of California, Berkeley, 3Materials Science Division, Lawrence Berkeley National Laboratory, 4Department of Pharmaceutical Chemistry, University of California, San Francisco, 5Tetrad Graduate Program, University of California, San Francisco, 6Center for Systems and Synthetic Biology, University of California, San Francisco, 7Chemistry and Chemical Biology Graduate Program, University of California, San Francisco
1Structural Biology Division, The Walter and Eliza Hall Institute of Medical Research, 2The University of Melbourne
Measuring the concentration is a fundamental step of many biochemical assays. Photometric protein determination takes advantage of the fact that the more a sample contains light-absorbing substances, the less the light will transmit through it. Since the relationship between concentration and absorption is linear, this phenomenon can be used to measure the concentration in samples where it is unknown. This video describes the basics of photometric protein determination and introduces the Bradford Assay and the Lowry Method. The procedure in the video will cover a typical Bradford assay. Applications covered include direct measurement of very small volumes of nucleic acids to characterize concentration and purity, determination of coupling efficiency of a biomimetic material, and another variation of photometric protein determination using Remazol dye. Determining the concentration of a protein in samples is a fundamental step in many biochemical assays. Photometric determination can be done with small sample sizes. The more a sample contains light-absorbing substances, the less the light will transmit through it. This provides a quantitative measurement of the absorbing substances. These concepts are so fundamental to science that the articles that introduced two of the techniques are in the three most cited papers of…
1School of Biological Sciences, Nanyang Technological University
1Department of Microbiology and Immunology, Wake Forest University Health Sciences, 2R&D Department, R.J. Reynolds Tobacco Company
1Department of Biochemistry and Biophysics, University of Pennsylvania
1Molecular and Cell Biology, Department of Biosciences and Center of Human and Molecular Biology (ZHMB), Saarland University
1Laboratory of Molecular Immunology and Immunotherapy, Blood Research Institute, 2Department of Microbiology, Mount Sinai School of Medicine, 3Laboratory of Molecular Genetics, Blood Research Institute, 4City of Milwaukee Health Department Laboratory, 5Division of Hematology-Oncology/BMT, Children's Hospital of Wisconsin, Medical College of Wisconsin, 6Division of Hematology and Oncology, Dept Medicine, Medical College of Wisconsin
1Department of Pathophysiology, Key Laboratory of Cell Differentiation and Apoptosis of National Ministry of Education, Shanghai Jiao Tong University School of Medicine, 2Department of Molecular Genetics and Microbiology, Duke University Medical Center, 3Department of Neurobiology, Duke Institute for Brain Sciences, Duke University Medical Center, 4Institute of Health Science, Chinese Academy of Science/Shanghai Jiao Tong University School of Medicine
1Graduate Program of Environmental Science, Arkansas State University, 2Department of Biological Sciences, Arkansas State University, 3Arkansas Biosciences Institute and College of Agriculture and Technology, Arkansas State University
1IFM-Department of Chemistry, Linköping University
Source: Laboratory of Dr. Neil Branda — Simon Fraser University
Degassing refers to the process by which dissolved gases are removed from a liquid. The presence of dissolved gases such as oxygen or carbon dioxide can impede chemical reactions that utilize sensitive reagents, interfere with spectroscopic measurements, or can induce unwanted bubble formation. A number of different techniques are available for degassing liquids; some of these include heating, ultrasonic agitation, chemical removal of gases, substitution with inert gas by bubbling and freeze-pump-thaw cycling. Freeze-pump-thaw cycling is a common and effective method for small scale degassing, and will be demonstrated here in more detail.…
The spectrophotometer is a routinely used instrument in scientific research. Spectrophotometry is the quantitative measurement of how much a chemical substance absorbs light by passing a beam of light through the sample using a spectrophotometer. In this video, basic concepts in spectrophotometry, including transmittance, absorbance and the Beer-Lambert Law are reviewed in addition to the components of the spectrophotometer. These concepts provide a foundation for how to determine the concentration of a solute in solution that is capable of absorbing light in the ultraviolet and visible range. Furthermore, a procedure for how to operate the spectrophotometer is demonstrated, including instructions on how to blank and measure the absorbance of a sample at the desired wavelength. The video also covers how to make a standard curve for determination of analyte concentration. Several applications of the spectrophotometer in biological research are discussed, such as measurement of cell density and determination of chemical reaction rates. Finally, the microvolume spectrophotometer is introduced, as well as its advantage in measuring the quality and quantity of protein and nucleic acids.…
1UMR SPO, INRA, SupAgroM, Université de Montpellier, 2IWBT Stellenbosch University, 3PILI, Toulouse White Biotechnology
1Department of Experimental Physics, Saarland University, 2Institute of Chemistry, Technische Universität Berlin, 3School of Physics and Astronomy, University of Minnesota
1Department of Chemical and Biological Engineering, Princeton University
1Department of Chemistry and Chemical Engineering, Royal Military College of Canada, 2Analytical Services Unit, School of Environmental Studies, Queen's University
1Department of Food Science and Technology, The Ohio State University, 2Foods for Health Discovery Theme, The Ohio State University
1Department of Chemical and Systems Biology, Stanford University School of Medicine
1School of Chemistry and Biochemistry, Georgia Institute of Technology, 2Earth-Life Science Institute, Tokyo Institute of Technology, 3Institute for Advanced Study, 4Astromaterials Research and Exploration Science Directorate, NASA Johnson Space Center, 5Goddard Center for Astrobiology, NASA Goddard Space Flight Center, 6Geosciences Research Division, Scripps Institution of Oceanography, University of California at San Diego
1Department of Microbiology and Immunology, Arizona College of Osteopathic Medicine, Midwestern University
1Green Center for Systems Biology, University of Texas Southwestern Medical Center
1Department of Biomedical Engineering, University of Rochester, 2Department of Chemical Engineering, University of Rochester, 3Center for Musculoskeletal Research, University of Rochester Medical Center


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Car UK - October 2016-P2P
English | 164 pages | PDF | 49.63 MB
Car UK Magazine - the UK's oldest monthly car magazine, delivering the definitive view on the world's most exciting cars. We'll take you to exotic destinations in the most sensational motors, or parachute you into group tests of key new models. Car delivers true insight on upcoming cars, sensational scoops and the inside story on the design trends, technology and people shaping your next car. We deliver the best, boldest writing, and photography so captivating you'll struggle to turn the page.
Download link:
Links are Interchangeable - No Password - Single Extraction


text:
New York, Feb 11 (ANI): American rapper Kanye West seems to have gotten over his heartache as he was seen partying the night away with a bevy of girls.
West, who devoted his last album to his split from girlfriend Alexis Phifer, was surrounded by a rotating cast of females at the Belvedere IX Vodka launch party at MyHouse in LA.
"Kanye had so many girls around him you couldn't keep track. One second he had a girl on his lap, 10 minutes later, it was a new girl, and then again a new girl," the New York Post quoted a source as saying.
"He ended up leaving the club with three different women, sneaking out the back door into his waiting SUV," the source added. (ANI)


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The Happy Clappy CD1000ers ♥
Discussion in 'CD 1000-maintenance' started by shrinkin'violet, 23 October 2011 Social URL.
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Sun Kissed Glow carries 4 different lines of airbrush tanning solution. Read our brief descriptions below & choose the solution thats right for you! Don't worry if you can't make a decision right away our certified sunless tanning specialist will help you choose a solution & shade based on your skin type & skin tone.
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About routing and TMC, FWIW
By coincidence, my mother in law has also road works almost in front of her door now. Since more than 6 months, 8 or so, we have to choose different route to visit her.
Since a few weeks, works are in her part of the street and day over she is unreachable, at night and in the weekend, she isn't. We can get there by car.
I am not surprised (or, better I am) Sygic shows her street as "open" however we still have to make that one detour. On the other hand, neither NNG products nor Sygic do know part of the normal route is blocked since 8 months or so. Makes me think though.
Yesterday evening, I planned a route on Sygic to a hotel I spent some time once or twice. Not to go there, but to compare Sygic, NextGen and google maps (on PC).
Sygic showed me the normal route +/- 250 kms (, same for NNG, same for google. Going back to Sygic, the route was +/- 300 kms, about 30 minute longer ! Why I don't know. Accident on the road? Who knows? NextGen and google kept saying +/- 250 kms. Sygic insisted on 300 kms. Today it's back to 250 kms.
I wonder if TMC had a influence on Sygics choice of routing.
edit : Earlier typed "neither NNG products nor Primo do know"


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- THIS is the Central District's Squire Park Plaza. The government contributed $9.7 million in taxpayer money to build 60 affordable housing units here, according to the Tenants Union. But, after only seven years in existence, Squire Park Plaza looked like it might be sold to a private developer who residents feared would raise rents. Then, after these folks asked the mayor to intervene yesterday, things changed.
Yesterday I reported on concerns that Squire Park Plaza—a huge chunk of publicly-funded workforce housing in the Central District—was about to be sold to a private developer who would raise rents. Residents of Squire Park were appealing to Mayor Ed Murray for intervention to keep the building in nonprofit hands, and it looks like they got his attention. (See the update at the end of my post.)


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KEY TO THE CITY - USA City Directory Top USA City Resource Guide
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Columbia, MD 21044
Phone: 410-313-7800
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Nearby points of interest
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About West Bank Cafe
West Bank Café is steeped in the deeply evolved history of Hell's Kitchen. Located on West 42nd Street in New York City, it is surrounded by cultural elements and attractions. Downstairs, guests can enjoy plays and hosted shows in the Laurie Beechman Theatre, where stars like Lewis Black and Howard Stern have performed. Past and present regular celebrity guests include Tennessee Williams, Arthur Miller and Bruce Willis.
West Bank Café serves up tasty lunch and dinner options, as well as Sunday brunch, desserts and happy hour specials. Visit with a group of friends for brunch to enjoy morning cocktails, sweet pastries and light platter options. Ideal for special occasions, West Bank Café's prix fixe dinner menu includes an appetizer course of soup or salad, chicken or salmon as a main dish and a delectable dessert option, such as chocolate bread pudding or frozen lemon mousse.
New York, NY 10036
Dining Style:
Casual Dining
Contemporary American
Hours of Operation:
Wednesday-Saturday: 11:30 AM-Midnight Sunday-Tuesday: 11:30 AM- 11 PM
Cross Street:
9th Avenue
Dress Code:
Casual Dress
Price Range:
$30 and under
Payment Options
AMEX, MasterCard, Visa
Phone Number:
(212) 695-6909
The Laurie Beechman Theatre, downstairs at West Bank Cafe, announces an exciting & eclectic line-up of performers & performances all of which take place in the gorgeous 80 seat theatre. Please visit BeechmanTheatre.com for full cabaret & theatre schedule.
West Bank Cafe can cater off-premise events ranging in size from 40 to 1,000. Our chef will design a menu tailored to your specific event, from passed hors d'oeuvres to formal sit-down meals, and the restaurant will supply everything from the linens and glassware to plates and staff.
Parking Details:
In addition to street parking, there is a parking garage on 42nd St., between 9th & 10th Avenues.
Public Transit:
Subway: 1, 2, 3, 7, A, C, E, N, R, Q, and W trains to 42nd St.- Times Square Bus: M11, M16 and M42
Executive Chef:
Chef Alberto Martinez
Private Party Facilities:
The Laurie Beechman Theater and the restaurant's dining room can accommodate private and semi-private groups ranging in size from 12 people for an intimate sit-down dinner to 245 for a cocktail party. The Laurie Beechman Theater is also ideal for business meetings and corporate presentations.
Private Party Contact:
Private Event Coordinator: (844) 264-3943
Banquet, Beer, BYO Wine, Cocktails, Corkage Fee, Delivery, Entertainment, Full Bar, Happy Hour, Late Night, Non-Smoking, Patio/Outdoor Dining, Private Room, Takeout, Weekend Brunch, Wheelchair Access, Wine
Special Events & Promotions:
For information concerning special events, contact our Special Events Director, Kenny Bell at firstname.lastname@example.com
West Bank Cafe Ratings and Reviews
West Bank Cafe is a great venue for Signature Theater goers. The staff, hostesses, waiters, busboys are accommodating and actively want you to be happy. They can get you out on time, even when you're running late. The kitchen is serviceable. On our last visit, the burger was splendid, the Rigatoni Bolognese was good and the shrimp was okay. Wine by the glass choices allowed for a wide variety of tastes.
Lovely dinner with a friend before going to the theater. Quiet enough for good conversation, helpful, friendly waiter who provided quick service and made sure we got out in time. We shared and especially loved the freshness of the Tuscan kale & octopus salad and the creamy, dreamy burrata and gorgeous toasted bread. Wild Mushroom Risotto Balls were OK but not as good as expected. Looking forward to trying other dishes the next time around!
Decor and ambience were perfect for my taste. Restroom very clean. Will definitely return and recommend.
West Bank is one of those ultra snob eateries where you re made to feel lucky to have seat there. I love one of their dishes, which is the only reason that I go. But when they make this dish --it always has the same error. So I tell the waiter ahead of time and it always comes with the same error -- it is like talking to a wall. Why - for goodness sake, would you only cook one side of a pancake? And we are talking EVERY TIME. This time I did not even bother to send it back even though I asked to cook both sides ahead of time. And I picked it up with my fork with the waiter there --and he saw it and just walked away. Seriously -- I guess asking for two sided to be cooked on a pancake is similar to asking for a very well done burger. Seriously -- unless you ARE a snob, or want to feel like one --you should pass WB by. The food is fine -- but the atmosphere is simply uncomfortable if you are a "regular" person.
My husband, son, and I had a lovely meal at West Bank Cafe. The risotto balls were truly delicious appetizers we shared, and each of our entrees were perfectly prepared, seasoned, and presented. The wait staff was prompt, courteous, and friendly. I look forward to returning to West Bank when I'm in NYC next.
Always dependable and don't miss the Salmon Tartare with (ask for them) extra chips. Sorry they no longer serve humus with the break but it means I eat less bread so that's a good thing. The skirt steak salad with caramelized onions and blue cheese is super.
I was very impressed with the value of the prix fixed dinner,and the quality of the food and service. I choose the restaurant,as it was near the hotel my friend was staying at. We were seated in an inner small room,which was great for conversion. It was my first time at West Bank Cafe,and will return,if I dine in the Times Square area,
As always a very nice experience - warm, friendly, good service. The food is done well and very tasty. The shrimp scampi were done just right; the pasta al dente and just the right amount. The butternut squash soup was delicious; ingredients in the beet salad were fresh and crisp. The coffee was excellent.
West Bank is one of my top favorite restaurants in NYC. I've been going there for well over 20 years. Service, food and ambiance are reasons why I enjoy this restaurant. It's also located in the 42nd-43rd St. Off-Broadway hub, which means no rushing around to get to any of the shows in that area.
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- When being paired to the 3Plus Swipe C you are able to receive alerts via your mobile notifications.
(For example: calls, text, or any applications you normally receive alerts for)
To access the notification settings on the 3Plus Activity Tracker application, select the top-left hand corner menu.
This will generate a side bar with a menu, select "Pair Device".
- Once on "Device" settings, scroll down until you see the "Notifications" toggles.
This will provide a list of all options that receive or block notifications.
Enabling/Disabling Notification Alerts (Android)
Modified on: Tue, Jan 31, 2017 at 10:24 PM
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|News Russia in Eurovision National contest This year Connections ESC.covers Forum Chat Links
|Russian National Contest 2002
In 2002 the rights to carry out National Contest and to broadcast the final of Eurovision in Russia belongs to ORT, valid member European Broadcasting Union.
The National Contest was held from January 17 till February 26. Everybody who wished (famous or not) could take part in the competition. But only those songs could have been submitted which were not published in any form before the 1st of January 2002. One contestant who will represent Russia in ESC was chosen as a result of the National Contest. The winner was chosen by authoritative jury which consisted of the ORT'S chiefs and experts in the field of music and show - business.
The national selection passed in 2 stages. At the first stage only 25 songs were selected from 11742 arrived in Musical Edition of ORT audio and CD records, and only that best 25 song have taken part in final voting. Here are the artists of those 25 songs:
- Kristina Orbakaite
- Vitas
- "Premier-Ministr"
- Rinat Ibragimov (song in tatar language)
- Urij Zimakov (the taekvon-do instructor from St. Petersburg)
- "Plazma"
- Anna Churchin (Moscow, 16 years old)
- Sergej Chelobanov and Ksenija
- Aleksander Phediura (from city Liubertzi)
- Sheriff (Moscow)
- Anna Dzhak (Moscow, the stewardess)
- "Opium" (Vladivostok)
- Juliet M. (trance-sexual girl from St. Petersburg)
- Nik (from Volgograd)
- "Mark Tven"
- Shura Sharman (Moscow)
- "Neo-positive" (from Voronezh)
- Inga Gaj (1st place in the contest "Zolotoj Grammophon")
- "Biba"
- "Sed'maja model'' (The 7th model) (from Omsk)
- Arkadiy Ukupnik (not finished variant of song without words, vocal set is recorded by keyboard tools)
- Diana Gurskaya
- "Golij Pistolet" (A Naked pistol)
- "Nogu Svelo" (group participated in 94 and 96 Russian Finals)
- Lilia Zagorodniuk (Moscow)
Here are people who were members of jury of the National Contest in Russia:
Konstantin Ernst - general director of ORT
Aleksander Phaiphman - general producer of ORT
Marina Danielian - chief of the ORT's general director service
Ilya Bachurin - director of the ORT's Musical Broadcasting Management
Valdis Pel'sh - director of ORT's Entertaining and Children's Broadcasting Management
Lev Leschenko - the National actor of Russia
Oleg Gazmanov - the National actor of Russia
Ilya Reznik - poet, the deserved figure of the Russian arts
Igor' Matvienko - composer, produceĻ
The Press conference devoted to results of The Russian National Competition "Eurovision-2002" became the culmination of National Contest.
In was in Moscow, Monday, the 4th of March 4, 14:00. At the central office of "Interfax" (1st Tverskaja-Yamskaja str., 2 ) a Press conference conference devoted to the summarizing of National Competition "Eurovision-2002" results was held. Russia at the contest will be represented by group "Premier-Ministr" ("Prime minister") with a song "Northern girl". That was said by the member of the commission which have selected songs, ORT's general producer Aleksander Phaiphman. He has noted, that actually " the ending battle was held between this song and the Kristina Orbakaite's song ". A. Phaiphman has informed, that on national competition 11742 audio- and cd- recordings with soundtracks of songs have arrived. " 25 songs " were selected for the final voting, - has noted A. Phaiphman. According to the press release, among the finalists there were such famous Russian singers as Arkadij Ukupnik, Diana Gurskaja and also nobody known the instructor of taekvondo Urij Zimakov and others. Except for the representatives of ORT (including general director of the telechannel Konstantin Ernst), in the Russian Juri the national actors of Russia Lev Leschenko and Oleg Gazmanov, poet - musician Ilya Reznik, composer and producer Igor' Matvienko were. Also the director of a musical announcement of ORT I. Bachutin, director of the game programs of ORT V.Pel'sh, director of public communications of ORT I. Bourenkov took part in the press conference.
From interview of the group "Premier-Ministr" for MTV Russia: "It's very big honour for us to go to Eurovisionģ We'll do our bestģ We just want to please all Russian people and to bring the FIRST result back homeģ"
In Eurovision "Premier-Minister" took 10th place (among 24) with 55 pts. Detailed info on group "Prime-Minister" and their song "Nother Girl" in the partition "Russia in Eurovision" -> 2001
eurosong.net.ru (source: www.interfax.ru, www.ortv.ru)
|<<[back] ^[top]^


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Daily briefs of the top news stories impacting Christians around the world. In today's edition:
- Christian Coalition Divides Over 'Biblical Principles' Tax Plan
- News About Fallen Leader Doesn't Change Truth of Ex-'Gay' Message
- Germany's Cardinals Publicly Quarrel Over Exumenical Event
- Despite Rampant Persecution, Indian Ministry Successful in Baptisms
Christian Coalition Divides Over `Biblical Principles' Tax Plan
Alexandra Alter, Religion News Service
The Christian Coalition of America has endorsed Alabama Gov. Bob Riley's tax plan after the group's state affiliate rejected it. A conservative Republican and Southern Baptist, Riley proposed a $1.2 billion tax plan that would raise taxes for the wealthiest families and relieve the poor. "Gov. Riley has said many times that there are three things he has found in reading the New Testament. We are to love God, love our neighbor and take care of the poorest of the poor," Riley's press secretary said. Riley's plan, which passed the state legislature in June and faces a Sept. 9 referendum, fills a $675 million shortfall in Alabama's budget and would exempt families who make as little as $4,600 a year from paying taxes. In a statement released Wednesday, Roberta Combs, president of the Christian Coalition of America, said she supports Riley's tax plan. But Alabama's Christian Coalition, which opposes the plan, expressed irritation over Combs' statement, calling it a "dramatic departure" from the organization's views. "It is unprecedented to have a national organization change their position on a core issue, without notifying their board or leadership," Alabama Christian Coalition chairman John Giles said in a statement. "We maintain that poor stewardship got us into this financial mess and the biblical principle of good stewardship will get us out."
News About Fallen Leader Doesn't Change Truth of Ex-'Gay' Message
Michael Foust, Baptist Press News
News that a prominent member of the ex-"gay" movement has fallen into sexual sin should not overshadow the success of the movement itself, Christian leaders say. An upcoming book, "Anything But Straight," as well as several homosexual newspapers are reporting that Michael Johnston, who appeared before Southern Baptist Convention messengers in 2000, fell back into homosexuality after saying he had been freed from the lifestyle through his faith in Christ. The reports -- confirmed by his friends -- say that Johnston had unprotected sex with men but failed to tell them that he was HIV-positive. Johnston has repented and is undergoing Christian counseling. While the news is being touted as another sign that homosexuality is genetic, the focus instead should be on the thousands of former homosexuals who have experienced freedom through Christ, Alan Chambers, the head of Exodus International, a nonprofit organization that ministers to homosexuals, said. Chambers himself is a former homosexual. The new book, "Anything But Straight: Unmasking the Scandals and Lies Behind the Ex-Gay Myth," by homosexual activist Wayne Besen, is sure to add to the debate. Tim Wilkins, director of Cross Ministry, said that, "the ultimate goal for the person with unwanted same-sex attractions is, as with any sinner, to become a follower of Jesus Christ, which in turn brings freedom from homosexuality and restores his true identity."
Germany's Cardinals Publicly Quarrel Over Ecumenical Event
David Anderson, Religion News Service
A verbal battle between three German Roman Catholic cardinals has broken out in the newspapers over a major ecumenical gathering that took place in Berlin earlier this year. The event, the Ecumenical Kirchentag, brought 200,000 people to Berlin
at the end of May for what many believe was the largest official gathering of Protestants and Roman Catholics. At the time, senior Catholic officials called the event "a great step forward on the path of Christian ecumenism." But in recent weeks Cardinal Joseph Ratzinger, the conservative doctrinal watchdog at the Vatican, criticized the event as "shallow." Cardinal Joachim Meisner said the Kirchentag had created "confusion" in Catholic parishes. But Cardinal Karl Lehmann, the head of German Catholics, in an article published in newspapers stated "openly my disagreement for the sake of justice and truth" with Ratzinger and Meisner. A major issue in the dispute -- and at the festival -- was the question of intercommunion between Protestants and Catholics. During the Berlin event, calls for easing of the Catholic ban on intercommunion were greeted with applause and, in some instances, standing ovations. Lehmann noted that Pope John Paul II had sent a message to the event in which the pontiff called it "a great ecumenical sign that what unites Christians in faith is stronger and more significant than what divides them."
Despite Rampant Persecution, Indian Ministry Successful in Baptisms
John Lindner, Christian Aid Report
Though anti-Christian activities by radical Hindus hinder many new believers from following the Lord in public baptism, one ministry in India told Christian Aid it is recording two baptisms every hour. The ministry, which had over 2000 missionaries on the field early this year, baptized nearly two people every hour last year. This year, even though the ministry had to close all 21 of its regional Bible schools due to lack of funds, its workers together still baptized almost two people every hour. Every day they planted at least one pioneer church somewhere in South Asia, bringing its total number of church plants to over 3700. Meanwhile, its main Bible college in the state of Punjab is overflowing with more students than it can accommodate. The leader asks prayer that God would provide so that at least half its regional Bible training centers could reopen next year.