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Insurance shopping? Put drug coverage atop list
It's important consumers check pharmacy benefits in their health insurance plans.
Premiums and deductibles tend to get the most attention when it comes to health insurance. Drug coverage deserves far more than it gets. And that's true whether you're shopping for insurance on one of the new health care exchanges or dealing with open enrollment at your employer.
Many people may not visit their doctor too often, but prescription drugs are often what's keeping them alive. About 22% of American are taking three or more prescription drugs, and 11% are taking five or more, according to a study by the Centers for Disease Control and Prevention.
A provision in the new health law that should be of special interest to those taking many, or at least, pricey pills is a new limit on out-of-pocket costs — and it includes co-pays and other prescription drug costs. This limit, which takes effect Jan. 1, is about $6,000 for individuals and $12,000 for families. If you're on an expensive specialty drug for a serious or chronic condition, this could be especially good news, as these drugs could total as much at $100,000 a year for some patients.
The not-so-good news: This applies to all but what's known as "grandfathered plans," which were in place before the law took effect in 2010. (According to the Kaiser Family Foundation, about 36% of plans this year are grandfathered. If an insurer or employer makes significant changes to a plan's benefits or how much members pay through premiums, co-pays or deductibles, plans lose their grandfathered status. Not sure if yours is? Kaiser recommends calling your insurance company or your employer's human resources department.)
Many people with employer-provided plans may find their deductibles are much higher this year, which may make this change seem like small consolation, but it will come in handy for those who take multiple medications.
Whatever plan you buy insurance from should have what's known as an "accumulator" that tracks all your out-of-pocket medical and pharmacy costs, says Ellen Nelson, senior vice president of government relations at Catamaran, a pharmacy benefit manager that works with insurance companies and employers.This information would be reported to you.
"This is an attempt at least to keep people out of going bankrupt over medical expenses." Nelson says. "We're all waiting to see the impact."
Plans on the new state and federal exchanges are grouped by bronze, silver, gold and platinum, depending on how much consumers have to pay out of pocket (with platinum being the least, at just 10%). Those considering silver plans on the new exchanges may find their drug costs are likely to be greater, and for some expensive drugs, they are more likely to hit the deductible, says Eric Johnson, a marketing professor at Columbia Business School who's been studying the affordability of the exchange plans.
"This is a especially difficult problem unless someone does the math, because they are trading off deductible costs, vs. out-of-pocket costs, vs. premiums," Johnson says. "If someone starts to need a new expensive drug during a year, they may have made a bad choice."
Here are key steps in smart pharmacy benefit shopping:
1. Talk to your doctor about the medications you're on, whether they are truly needed and if there's a cheaper alternative that would work for you, says Susan Gaca, chief nursing officer at Cigna Insurance.
2. Review the drug formulary — the list of drugs it covers — when considering different insurance plans. Plans will try to steer you to the lowest-cost alternative. At Cigna, for example, a prescription to the cholesterol-lowering drug Lipitor on one plan could cost a consumer $150 out of pocket, but the generic equivalent would be free. If there is no generic available, there is often a preferred brand, which has a lower co-payment, and a non-preferred brand, Gaca says.
There are typically at least two drugs offered for each class of drugs, Nelson says, and which ones are offered depends on a benchmark plan established by the state. One plan might have acid reflux drug Prilosec on its formulary, while another might have Nexium, she notes.
3. Make a list of the drugs you (and any family members) need to continue taking, the number of prescriptions you need a year and track what they — or their generic or lower-cost alternative — would cost on the different plans you are considering.
4. Check if there's a mail-order option. If there's a drug you need, say, a 90-day supply, Nelson says you can probably get it by mail for two co-payments rather than three. Although every plan is different, she notes "maintenance medications" frequently do have a mail-order plan.
5. Can't afford the drugs you really need? Check with your plan's pharmacy benefits manager to get referrals to public or pharmaceutical company sources that may provide drugs for free.
Or maybe you're one of the lucky ones and don't need any drugs now. Just wait. If you cut corners too much on your choice of plan and pharmacy benefits, you may be in for a financial surprise.
"If someone starts to need a new expensive drug during a year, they may have made a bad choice," Johnson says.


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subset: commoncrawl


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Jul 8, 2010 at 4:22 am
Hi Thx for the add!!!! U have owened some wicked rides
Oct 29, 2009 at 8:09 pm
fix it anyway huh.. replace dont reuse right? ha
Feb 19, 2009 at 5:42 pm
cool garage
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This chic little Tank is the perfect year-round layering piece, designed for fluid knits with a little stretch... try silk, bamboo, cotton modal, tencel, viscose or rayon jersey, or even a lightweight sweater knit. Semi-fitted, pull-over Tank has narrow knit rib or self fabric trim at neckline and armholes.
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Maria Menounos Chignon
Pretty face-framing strands made Maria's chignon look all the more elegant.
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Maria paired her false eyelashes with a sharp swipe of kohl liner.
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Maria kept her lips natural for the 2nd Annual American Giving Awards.
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WASHINGTON (AP) — Murky allegations involving Sen. Robert Menendez, a top donor and prostitutes in the Dominican Republic have twisted in confusing new directions. The latest: A woman's sworn affidavit that she was paid to lie when she claimed she had slept with the senator — and a media brawl over her role in a story that ignited the furor in the first place.
A conservative media website defended publishing the sensational prostitution claims, even as ABC News confirmed that the Dominican woman who's come forward was among two self-described prostitutes who peddled the story less than a week before New Jersey voters re-elected Menendez in November.
Menendez, D-N.J., has always maintained that the allegations, which began circulating last year, were false. He has seized on the newly released affidavit, part of a related Dominican court case initiated by a prominent lawyer there, and said he looked "forward to seeing whatever the Dominican courts have that prove what I've said all along." The lawyer was identified as Vinicio Castillo Seman, the cousin of Menendez's top donor, Dr. Salomon Melgen, a Florida eye specialist.
Castillo, who is also the son of a presidential adviser and the brother of a member of the Dominican congress, complained to Dominican police about published reports that he had hosted raunchy outings on his yacht for Menendez. Castillo has said the allegations were "false and defamatory."
Castillo this week released the sworn testimony of Nexis de los Santos Santana, 23, who recanted what she said were her earlier claims in a video that she had been hired for sex by Menendez and Melgen. De los Santos Santana said in the new sworn statement that she had never met Menendez but fabricated the accusations under pressure from a local Dominican lawyer, whom she identified in the affidavit as Melaneo Figueroa.
Figueroa did not respond to messages left by The Associated Press by phone and at his office, but he told The New York Times that he was not involved in any plot to smear Menendez and Melgen. He told the newspaper that de los Santos Santana and another lawyer in the case, Miguel Galvan, were "making accusations against me when I didn't do anything that they are saying."
On Tuesday, a Dominican judge said he needed more information about the case and ordered testimony from Menendez and Melgen prior to a June 10 hearing. Neither man would be required to appear personally before the court and could instead send an attorney to represent them, a Dominican prosecutor said. Menendez told the Newark Star-Ledger in an interview Wednesday that he was not sure yet whether he would provide any testimony, saying, "I don't know what I could tell them that would change anything."
The conservative Daily Caller, which first published the prostitution claims in November, defended its reporting, saying de los Santos Santana was not the source of its story and video that featured two unidentified escorts recounting an alleged sexual encounter with Menendez and Melgen last year.
"That woman was not one of the two prostitutes The DC interviewed for a Nov. 1 report," David Martosko, the Daily Caller's executive editor, said.
ABC News reported that de los Santos Santana was one of the Daily Caller's sources for its story. ABC said Republican operatives who insisted on anonymity had helped arrange the woman's appearance, along with two additional women, in online interviews with ABC News and the Daily Caller.
"GOP operatives helped to arrange Skype interviews in the Dominican Republic with three women who all told ABC News the senator paid them for sex," ABC said Wednesday.
ABC said it did not broadcast the prostitution claims at the time because of doubts about the women's veracity and identities.
In a statement filed with the Dominican court and translated by the AP, de los Santos Santana said she had not agreed to be filmed for the video and suggested it was made without her knowledge. She also said she was under pressure recently from unidentified callers who did not want her to recant her allegations about Menendez and Melgen. The callers, she said, indicated she would be well paid and that they wanted to prevent Menendez from winning re-election as senator and Melgen from gaining an "X-ray contract."
Melgen is still trying to persuade the Dominican government to honor a port security contract with an X-ray screening company that he had invested in earlier. At a public hearing in June, Menendez raised questions with U.S. officials about the Dominican government's failure to honor that contract.
Menendez and Melgen's overlapping interests have repeatedly raised questions in recent months. Menendez was compelled to reimburse $58,000 for two flights to the Dominican Republic aboard Melgen's private jet for personal trips in 2010 that he previously had failed to report, prompting scrutiny by the Senate Ethics Committee.
Menendez has also acknowledged contacting U.S. health agencies to question their billing practices and policies amid a dispute between Melgen and federal authorities. And Menendez was a key sponsor of a natural gas bill that could have aided a Melgen investment in a Florida company that markets a conversion system for natural gas truck engines.
Melgen has given more than $14,000 directly to Menendez's political campaigns since the late 1990s and, through his eye clinic, donated $700,000 last year to a "super" political committee that supported Democratic party Senate candidates. The committee, in turn, spent $582,000 to back Menendez's re-election effort.


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Global stocks rose for a second day and industrial metals rallied as Chinese inflation slowed more than forecast, reducing pressure on policy makers to tighten credit. The yen rebounded after a three-day slump took it to the brink of 100 per dollar for the first time since 2009.
The MSCI All-Country World Index advanced 0.3% at 10:32 a.m. in New York. The Standard & Poor's 500 Index rose 0.1% while Alcoa Inc. fluctuated after reporting first-quarter earnings yesterday. Ten-year U.S. Treasury yields lost one basis point to 1.73%. The S&P GSCI gauge of 24 commodities was little changed as gains in copper, lead and zinc were offset by losses in wheat and natural gas. Japan's currency strengthened 0.3% to 99 per dollar. France's 10-year bonds fell for the first time in six days.
China's inflation eased more than forecast last month from a 10-month high as food-price gains ebbed. Federal Reserve Chairman Ben S. Bernanke said economic conditions were far from where he would like them to be. The Bank of Japan last week announced stimulus measures, prompting the yen's decline. The gain in Treasuries came amid speculation the Bank of Japan's plan to double its asset purchases may boost buying at today's $32 billion auction of three-year U.S. notes.
"I think the market is still digesting the Bank of Japan announcement," Anastasia Amoroso, a global market strategist at JPMorgan Funds, said in a phone interview. The unit manages about $400 billion. "The reaction has been very pronounced in Japan, but not so much in the U.S. or the rest of the world. More and more, investors have to be thinking about what this means in light of the search for yield."
Market Movers
Commodity, technology and energy companies led the advance in eight of the 10 main industries in the MSCI All-Country World Index.
The S&P 500 yesterday added 0.6% after disappointing jobs data sent it to a 1% loss last week, its biggest drop of the year. Alcoa, the largest American aluminum producer, swung between gains and losses as first-quarter earnings exceeded analysts' estimates while revenue trailed projections. The shares rallied 1.8% yesterday.
Income at S&P 500 companies probably fell 1.8% in the first three months of the year, the first year-over-year drop since 2009, analyst estimates compiled by Bloomberg show. Three straight years of profit growth helped propel the benchmark index up as much as 132% since 2009 to a record 1,570.25 on April 2.
Copyright 2014 Bloomberg. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.


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Chairman of ING DIRECT Arkadi Kuhlmann to speak at Shidler alumni eventUniversity of Hawaiʻi at Mānoa
Posted: Feb 7, 2012
On February 23, Arkadi Kuhlmann, chairman and president of ING DIRECT USA will speak about his book, The Orange Code: How ING DIRECT succeeded by being a rebel with a cause. The book offers a list of rules that helped guide ING DIRECT's success in the online banking industry. Kuhlmann will also offer a view of the company's history and how ING is succeeding in today's economy.
What: Talk Story with Arkadi Kuhlmann
When: Thursday, February 23, 2012
6:00 – 8:00 p.m. (book signing to follow)
Where: Kahala Hotel & Resort, Waialae Ballroom
Admission: $20 – General Public
$15 – Shidler Alumni Association members, faculty, staff and students
FREE – new/renewing Shidler Alumni Association members (submit applications at the
Details: Admission includes appetizers and one drink. Validated parking available at hotel.
Register: http://www.shidler.hawaii.edu/talkstory/
Sponsor: Shidler College of Business Alumni Association


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Golf: Steps to Success, Second Edition, provides step-by-step
instruction and full-color photos of golf's fundamental skills. You
first learn the simplest stroke—putting. Then you progress to more
challenging shots—chipping, pitching, full swing, trouble shots. There
are detailed chapters on the mental game, course management, and
practice skills.
* Free Bundled E-book *
If you are a member of the HK Rewards Program, when buying a new print edition of this book, you
will be granted the option for downloading the e-book edition at no additional charge. Learn more.
Paul G. Schempp is the director of the Sport Instruction Research
Laboratory at the University of Georgia, where he also serves as a
professor. He has spent the last quarter century studying the
development of expertise in sport and coaching. Schempp has designed
performance programs for the Swedish Golf Federation and Mexican
national golf teams. He has coached several champions on the PGA and
European PGA professional golf tours, including Jesper Parnevik, Richard
S. Johnson, Niclas Fasth, and Fredrik Jacobson. As a scientific
consultant to Golf Digest, he was instrumental in selecting
America's 50 Greatest Teachers. A longtime consultant for the PGA of
America, Schempp helped redesign the PGA's professional certification
programs for golf instructors. He has also served on the National
Education Advisory Board for the Ladies' Professional Golf Association
Schempp's groundbreaking research has made him a sought-after keynote
speaker for professional associations and corporate conferences
committed to improving performance. Clients include the American Society
for Training and Development, BASF Corporation, Buckhead Business
Association, Club Corporation of America, Condé Nast Publications,
General Electric, National Institute of Education (Singapore),
Professional Golf Association of America, Society for Human Resource
Management, the Swiss Soccer Federation, Vistage, and USA Track and
Schempp holds an EdD in human movement studies from Boston University
and lives in Athens, Georgia.
Peter Mattsson serves as the director of elite performance at the
Swedish Sports Confederation. He served six years as the director of
coaching for the English Golf Union, where he was instrumental in the
development of the current National Coaching Programme structure. Before
coming to England, Mattsson was the head coach for the Swedish national
teams, a role he held from 1998 to 2005. He has coached Swedish teams
and individual players at numerous European and World Amateur
Championships at the World Cup and at professional events on the men's
and women's tours. Mattsson holds a BEd in physical education and is
currently studying sport science with a focus on golf. He resides in
Stockholm, Sweden.
"The second edition of Golf: Steps to Success is rich in
content, well organized, and very applicable. Paul Schempp and Peter
Mattsson know how to develop golfers."
Pia Nilsson-- Professional Golfer and Coach, Coach and Mentor to
Annika Sörenstam
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No Bridge Lyrics
Anger.. burns.
Anger inside.. make my mind.. burn.
I'm on fire, smoke runs through my veins.
Ignited by the ignorance of those not insane.
There's no bridge.
Your sacrilege spaces us miles apart.
Adrenaline, pressure builds, can't connect to your heart.
Anger inside.. makes my mind..
burn. There's no bridge.


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Horoscopes for week of January 4, 2007
It's possible you'll live for 150 years. Scientific studies on how to outwit the aging process are generating increasingly compelling data, and so is psychospiritual research into the attitudes and emotions that encourage longevity. The coming year will be prime time for you to make yourself aware of these explorations, and to adjust your lifestyle accordingly. Here are two places to start your investigation: (1) the article "I'm Going to Live Forever;" (2) the book Fantastic Voyage: Live Long Enough to Live Forever, by Ray Kurzweil and Terry Grossman.
Jargon Watch author Gareth Branwyn defines "obstacle illusion" as "something that looks like it will be a huge problem, but turns out not to be." This is your theme for early 2007, Gemini. You may imagine you'll have to face a lot of resistance to your dreams, when in fact you won't. You might even gear up for confrontations that don't actually need to take place. Ironically, though, the willpower and tenacity you summon while expecting to face difficulties could prove valuable. So maybe it's fine if at first you don't realize that the obstacles are illusions.
I predict that you won't punch out Paris Hilton in a bar in 2007. Nor will you buy your own Lear jet, train to be a Shaolin Kung Fu monk, or get a clip-on nose ring. Leather chaps? I bet you won't wear them even once, nor will you sneak into your old high school at night and spray-paint obscenities on the walls. In the coming year, you might, on the other hand, get a tattoo of the glyph for infinity. You may obtain a ceremonial sword and use it in a ritual to symbolically cut away a certain dead-end fantasy you've been clinging to even though it's no damn good for you. You could also go on a quest to satisfy your oldest curiosity, and learn a lot about how to control your emotions without repressing them.
From a metaphorical perspective, Leo, the 2006 chapter of your life story could have been titled "Asleep in the Garden." Beautiful fertility and fertile beauty have surrounded you, but you've been more aware of them in your dreams and subconscious mind than in your conscious waking life. I expect that to change in 2007. That's why I'm envisioning a new chapter that'll be called "Awake in the Garden."
Patriarch Bartholomew, the leader of the Orthodox Christian Church, has a flock of 300 million. Unlike most other religious leaders, he crusades for the preservation of the environment. "To commit a crime against the natural world is a sin," he says. "For humans to cause species to become extinct and to destroy the biological diversity of God's creation; for humans to contaminate the Earth's waters, land, air, and life with poisonous substances: These are sins." The astrological omens suggest that he'll be a good role model for you in 2007, Virgo. You'll generate lush personal dividends if you intensify your intention to live in harmony with nature and invoke a spiritual zeal as you defend your planet against its despoilers.
I predict that sometime in the coming year two rich attorneys will offer you $20,000 if you'll deliver a cursed diamond to their shaman in Brazil for exorcism. But you will demand that they not only give you the money, but also introduce you to their good friend Angelina Jolie. They'll balk at that, and the deal will fall through. But then you'll write a movie script based on your fantasy of the experience you might have had if you had actually done the deal, and you'll sell the script to a producer who gets Angelina Jolie to be one of the stars. And if that exact scenario doesn't happen as prophesied, Libra, I bet you'll have a comparable adventure or two that will revolve around the power of your imagination, your determination to hold out for exactly what you want, and a rich harvest of poetic justice.
On the first Monday of every month, a vision of the Virgin Mary appears on the back porch of Audrey Hoff's house in Miami. Even if you usually have no interest in curiosities like this, Scorpio, I predict that in 2007 you'll be involved in a comparable phenomenon. It won't necessarily feature the Virgin Mary, but will be in alignment with your particular belief system. So if you're a Buddhist, you may have dreams of the Buddha visiting your bedroom. If you're a gay Republican, you might have vivid waking visions of Abraham Lincoln and Ronald Reagan making holy love in a log cabin. If you're a lapsed Catholic, you may have recurring dreams of Jesus giving you permission not to pray to him. If you're an atheist, you could have a series of spectacular epiphanies that prove to you with ever-more certainty that there is no God.
If 2006 sometimes felt like the Year of Perpetual PMS (even for you men), 2007 will quickly make you forget any bloated, edgy feelings that may still linger. The coming months may in fact feel like the Year of Perpetual Ovulation (even for you men). I bet you'll often feel horny not just for sexual adventures, but for other kinds of intimate exchanges that make you smarter and wilder.
Your power animal in 2007 will be the hare, whose front legs are shorter than its back legs, allowing it to run uphill with exceptional speed. What this means, Capricorn, is that while you will have more ascents to make than usual in the coming months, you will also be well-equipped to carry them out with efficiency and power. The steep challenges you face might feel daunting to anyone else, but your heightened ability to conquer them will often inspire you to approach them with relish.
Some people imagine that the Aquarian Age, if it ever kicks in, will be an airy-fairy affair, rife with crystal healings and dolphin channeling. We'll be surrounded by neo-hippie do-gooders who spread sentimental love. But that's all wrong. The real Aquarian Age will bring a revolution in our political and economic structures, fueled by the Internet and other technologies. There'll be intelligent machines with whom we'll develop complex relationships. Sexual identities will mutate and expand, leading to at least seven distinct genders, and there'll be a host of new ways to experience erotic pleasure. Advances in anti-aging research, nanotechnology, and genetic manipulation will mutate many ideas about what it means to be human. You are by no means obligated to be on the front lines of this revolution, Aquarius. But if you do feel inclined to hang out there, 2007 will be the most adventurous year of your life so far.
"Picture the Grand Canyon," says Buddhist teacher Jack Kornfield. "Every hundred years, a child comes by and throws a mustard seed into it. In the time it takes to fill the hole in the earth with mustard seeds, one mahakalpa will have passed. To perfect the virtuous heart--the joy of integrity--takes a thousand mahakalpas." If that's true, Pisces, then you've still got a lot of work to do. However, the planets are aligned in such a way as to suggest you could make unusually great progress toward the goal of perfecting the virtuous heart in 2007. For best results, meditate often on the phrase "the joy of integrity." Get very familiar with the pleasurable emotion that comes from acting with impeccability. And try out this idea from Gandhi: Integrity is the royal road to your inner freedom.
|Missed a week? Check the horoscope archives.
© 1995-2013 -- Rob Brezsny. All rights reserved


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Eonish Lodge
Eonish Lodge has 4 guest bedrooms, with en-suite facilities with toiletries provided. Each room is equipped with television,hair dryer and tea making facilities .
Guest lounge to relax in. Tea/coffee and scones on arrival. Wireless broadband available.Private car parking.Games room for visitors use. Anglers catered for. Restaurant and taxi booking.
Whether you are planning a peaceful weekend, a short break, a stop-off on your holiday or some restful weeks exploring what our surrounding area has to offer you will enjoy your stay with us at Eonish Lodge.The highest standards of service and a warm welcome awaits all our guests
Availability & RatesTo view availability and prices please select dates and click 'Update Dates'
B&B Facilities & Policies
- Free Breakfast
- Cable TV
- Child Friendly
- Credit Cards Accepted
- Free Parking
- Hair Dryers
- Internet Access
- Non Smoking
- Tea & Coffee Making Facilities
Cancellation PolicyThis property has a 1 day cancellation policy. Failure to cancel within this time will result in a cancellation charge equal to the first night of your stay.
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County Cavan
Killeshandra is located two hours from the ferry ports in Dublin, Dun Laoghaire and Belfast, and the airports of Belfast and Dublin.
Take the M3 Motorway from Dublin to Virginia and on to Cavan town.
Killeshandra is situated 18km (11miles) from Cavan Town, road R199
From Killeshandra, Belturbet road R2O1, then L15O9 and follow sign for Eonish Lodge.


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Student 3/4 Size Cello, Antique Fade + Beginner Pack
Student 3/4 Size Cello, Antique Fade + Beginner PackDetails
This 3/4 Size Cello and Beginner Pack by Gear4music offers exceptional value for money. With our 3/4 Size Cello you receive an instrument made with the same professional craftsmanship and materials that goes into the manufacture of much higher priced instruments, with a hand carved maple and spruce body, professional oil varnish finish and ebonized fittings. Included is a deluxe carry case, music stand, polishing cloth, endpin stop and a string set, ensuring the budding beginner has everything they need to start out and then take to the stage.
Product Ref: 35028View Full Description
Buy on finance from £6.06 per month Finance from £6.06 per month
Please note: This is only available where all items in the order are dispatched in a single delivery.
To make it as easy as possible for you to get the gear you want, we offer a range of instant finance options. If you spend £50 or more online, you can choose to pay over 48, 36, 24 or 12 months. The majority of decisions are given instantly, so you could get your new gear sooner than you thought!
Representative Example
To help you understand how our finance options work, the examples below are based on a total order value of £50:
|Deposit to Pay
|Total Payable
|48 months
|No Deposit
|48 months: £1.41Final Payment: £1.41No settlement fee
|36 months
|No Deposit
|36 months: £1.78Final Payment: £1.78No settlement fee
|24 months
|No Deposit
|24 months: £2.57Final Payment: £2.57No settlement fee
|12 months
|No Deposit
|12 months: £4.69Final Payment: £4.69No settlement fee
How to Apply
Applying for finance couldn't be easier - if your order totals £50 or more, simply proceed through the checkout as normal, then select Pay by Klarna Finance on the payment page, then click the orange PLACE ORDER USING FINANCE button. This will start your application with Klarna Retail Finance, our finance partner, and completing this form should take approximately 10 minutes.
You should get an instant answer on whether your application has been successful, though in some rare cases Klarna may need to look at the application in more detail.
Please note: This is only available on orders placed via the website consisting of a single delivery, and is not available in store or via phone currently.
Full DescriptionView Full Description
Comments from customers who bought this item:
3/4 Size Cello by Gear4music
This 3/4 Size Cello is a superb quality instrument at a highly competitive price. A rich, even, reliable tone is produced with the help of a hand finished Canadian Spruce and Maple body and bridge. Ebonized fittings continue to raise the quality level, while simultaneously making for an intuitive and immediately playable experience. In short, exceptional value for money is achieved in tandem with high class performance and excellent reliability. An ideal solution for beginners who want to learn on a quality instrument.
The included hard lightweight carry case provides a convenient and robust method of transportation for this quality instrument. The case consists of a canvas finish with wheels, zips, straps and zippable sheet music pocket. A typical retail price for a case of this type is £109, so this package represents unmatched value for money.
Included Accessories
- 3/4 Size Cello by Gear4music, Antique Fade
- Hard carry case
- Music stand
- Polishing cloth
- Cello String Set 3/4 size by Gear4music
- Belcat BC-700 Chromatic Tuner
- Non Slip Cello Endpin Stop by Gear4music
- 30 Day Money Back Guarantee
3/4 Cello:
- Body: Hand finished laminated instrument
- Top: Canadian Spruce
- Back & Sides Canadian Maple
- Finish: Orange brown oil varnish finish
- Bridge: Fitted Maple bridge
- Neck: Maple neck with ebonized fingerboard
- Tuning Pegs: Ebonized jujube
- Endping: Ebonized jujube
- Tailpiece: Metal with four integral fine tuners
Cello Bow:
- Type: Round stick hardwood with horsehair
- Adjuster: Ebony with two nickel bands
- Lapping: Nickel silver with leather thumbpiece
- Tip: ABS
Please note - Gear4music orchestral stringed instruments are packed for transport and therefore require a small amount of setting up. For more information, please click here.
Gear4music - a revolution in competitively priced, high-quality musical instruments and equipment.
Gear4music have teamed up with some of the best manufacturers from around the world to develop our own line of music equipment. Our goal is to provide our customers with a wide choice of high quality, sensibly priced musical instruments.
Using our many years of collective experience we have developed a wide range of instruments and equipment including drum kits, acoustic and electric guitars, woodwind, brass, string instruments and speaker systems. We are proud to offer these to our customers alongside hundreds of other well-known brands. Working closely with our carefully chosen manufacturers, we endeavour to produce reliable, great sounding instruments at a price that is accessible to all. Our musical equipment is made to the same exacting standards that you expect from other highly regarded brands - this is backed up by our standard 30 Day Money Back Guarantee.
Gear4music products are produced ethically and responsibly to meet the expectations of a caring world.
The product price includes 5 years' warranty and 180 day money back guarantee.
However, the Gear4music extended warranty scheme provides an enhanced service, and is designed to offer a higher level of protection than many 'free' warranties offered by some retailers and manufacturers.
The highlights of this enhanced warranty service are:
- Warranty is extended to 5 years from the date of delivery.
- Our Money Back guarantee is extended from 30 days to 180 days (terms apply after 30 days)
- Collection and delivery costs are included for the first 2 years
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- Loan or replacement equipment will be provided if the product isn't repaired within 30 days
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- The policy can be cancelled within 30 days, and at any time after that for a pro-rata discount
Please note that this extended warranty is currently only available on products sold within the EU or EEA, and is subject to the terms and conditions as detailed on the extended warranty certificate provided.
For customers in outlying areas of the country, the price of the Extended Warranty may be marginally higher, due to the potential for higher collection and redelivery transport costs.
This enhanced warranty is in addition to the standard Gear4music and manufacturer warranty policies, and the Gear4music terms and conditions of trade. No statement or condition of sale contained within these terms affects or restricts your statutory rights as defined under the Consumer Contracts Regulation 2014.
Once the product is delivered, you have 180 days to decide that you definitely want to keep it. If you decide it is not suitable for any reason, you can return it back to us for replacement or full refund, including standard delivery charges.
All Products are new unless stated, and include a minimum of 2 years warranty.
Some items are only eligible for money back guarantee if they are returned to us unused and sealed in the original packaging, and in the case of software, unregistered. These items include:
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- Mouth / Lip Care Products
We are unable to accept returns of any custom made items designed to work together as a unique package, such as computer system built to a customer's personal specifications. Exceptions may only be possible with prior agreement of the vendor, and may be subject to a cancellation fee.
If you also purchase items that do not qualify for free delivery, some delivery charges may be applied to your order which will be shown in your shopping basket.


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Sunday, 5 February 2012
Snowy scene
Here is a lovely, snowy view looking down over Gee Cross from Werneth Low.
Both Holy Trinity and Hyde Chapel can be seen in the distance.
Thanks to Jean Wood for the photo !
Much appreciated.
4 comments:
What a lovely peep into the past. I wonder if the photo is dated as it looks to have been taken from a point on Higham Lane close to the corner of Aspland Road, obviously before the houses were built there. Nether Hey works chimney is clearly visible across Baron Road fields. More details would be good!
- Sunday, 05 February, 2012
This is a tricky one, and I've been up there this morning to try to work out from where the photo was taken. My first thought was that it was taken from the path or bridle path that runs up to the cenotaph behind the visitor's centre and that the building in the centre is the old farm, but that seems to be a bit too high up, although it's dead in line with Hyde Chapel as shown in the photo. Opposite the entrance to the visitor's centre, however, across the access road to the car park, there's a track which appears to lead now to the corner house on Spring Avenue. That's also in line with Hyde Chapel and may be the most likely place - which would mean that the building in the centre of the photo would be on the corner of Aspland Road.
- Sunday, 05 February, 2012
Many thanks Dave for going up there. Looks like you could be pretty near the mark with what you've found. The building in the centre had me puzzled as I had imagined it to be actually in what is now Aspland Road rather than at the corner. Obviously I'd underestimated the elevation from the road at which the picture was taken. Did you take any shots while you were up there?
The other thing which strikes me about this photo is the quality of its detail. Considering it must be near to 60 years old, somebody had a fine camera and the expertise to use it well.
- Sunday, 05 February, 2012
I didn't take any photos as there are too many other buildings in the way now to form any kind of comparison, and as you got further up towards the cenotaph the visibility was so bad you couldn't even see Hyde Chapel. I do have quite a good shot of Hyde Chapel, though, which I took some time ago from the gate on Aspland Road leading to the path which goes down to Baron Road which I'll send to Nancy.
- Sunday, 05 February, 2012


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American Physical Society Sites|APS|Journals|PhysicsCentral|Physics
- American Physical Society Sites
- Publications
- Meetings & Events
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- Membership
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- Careers In Physics
- Newsroom
- About APS
- Become a Member
My name is Gilbert R. Lee IV and I am originally from Texas. Science has always been a subject of key interest to me. I first became interested in science by reading books on space travel when I was in elementary school. My original goal was to become an aeronautical engineer, however this changed during the second semester of my sophomore year in high school when I took both Chemistry and Physics. Taking these two subjects forced me to focus on the material in each subject. This experience led to my decision to become a research scientist. Of all the science classes I had taken up to that point, physics was the subject I enjoyed the most. My interest in physics continued to grow through additional physics classes and participation in math and science competitions. I currently attend Yale University, where I am a sophomore physics major. After graduating from Yale, I plan to earn a Ph.D. in physics and to work as both a professor and researcher.


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Franklin and Marshall College
Rummel (American 1848-1924), Richard
MetadataShow full item record
SubjectFranklin and Marshall College; campus; F&M; Old Maine; Diagnothian; Goethian; aerial view
Aerial view of Franklin and Marshall College facing northwest toward Old Maine.
- F&M Art Collection [360]
Related items
Showing items related by title, author, creator and subject.
An Act to unite and consolidate Marshall College, now at Mercersburg, with Franklin College, now at Lancaster, under the name of "Franklin and Marshall College," a corporation, to be located in the city of Lancaster, or its immediate vicinity [Franklin and Marshall College Charter] Franklin and Marshall College (1850)Printed text of the 1850 act uniting Franklin College and Marshall College and sample page from a handwritten copy of the charter dating from 1853.
Views of Franklin and Marshall College Gutekunst, F. (William Mann Irvine, Harry Nelson Bassler, 1892)The album contains photographs of College buildings. It was a gift of Mercersburg Academy.
Views of Franklin and Marshall College : Lancaster, Pennsylvania, 1906. Amos, W.W. (Jacob D. Rider, 1906)The album contains interior and exterior photographs of College buildings as well as photographs of Lancaster and the surrounding area.


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ROSSVILLE, Ga. (AP) — State fire officials say 35 horses were killed when fire swept through their stables at a business that raises show horses in northwest Georgia.
Georgia fire marshal spokesman Glenn Allen says the blaze happened Thursday at Happy Valley Farms in Rossville, just south of the Georgia-Tennessee line.
He says damage was estimated at up to $6 million because of the value of the horses that perished. Allen described them as show horses, and said that some were valued as high as $250,000.
Allen says two stables and a storage facility were destroyed.
The cause was still under investigation Friday afternoon.
Trainer Daniel Jenner says the structure was engulfed within 20 minutes.


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Hampshire PotteryMay 23. 2013 4:19PM
Lower Main Street
Keene, NH
Marker Number: 86
Name and date established: Keene 1972
Description: About 150 feet north of here stood the famous Hampshire Pottery Works, founded by James Scolly Taft for the manufacture of earthenware. In 1878 Majolica ware was a major product, followed in 1883 by the addition of useful and decorative art objects and souvenir pieces. With the introduction in 1904 of the famous "mat glaze," Hampshire Pottery was recognized as a leader in its field.
Location: Located in front of the Keene Public Works Office Building on lower Main Street. This marker was erected in cooperation with the Historical Society of Cheshire County, Inc.


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ECU offering new non-drug treatment for depression
ECU News Services
Dr. Sy Saeed
(Sept. 6, 2013)
— People in eastern North Carolina who are living with depression now have a new, non-invasive, non-drug treatment available.
Psychiatrists at the Brody School of Medicine at East Carolina University are working with a new treatment called repetitive transcranial magnetic stimulation, or rTMS. The treatment is delivered via a device called the NeuroStar TMS Therapy system and is approved by the federal Food and Drug Administration for the treatment of major depressive disorder.
"We are excited to be providing rTMS therapy and to be a part of this major step forward in psychiatry," said Dr. Sy Saeed, professor and chair of the Department of Psychiatric Medicine at the Brody School of Medicine. "Many patients with this debilitating disease do not benefit from and/or are intolerant of antidepressant medications. Now, we have another treatment option for our patients, who continue to have depressive symptoms despite medication treatments."
The therapy is an outpatient treatment. It is available by prescription only and delivered under the supervision of a psychiatrist. It is a 37-minute outpatient procedure administered daily for 4-6 weeks.
During the therapy session, the patient is awake in a comfortable chair. A small curved device, about the size of a cupped hand, rests on the patient's head, delivering focused magnetic stimulation directly to the left prefrontal cortex of the brain, an area thought to be involved with regulating mood. The magnetic field pulses of rTMS therapy are the same strength as those used in magnetic resonance imaging machines.
The rTMS therapy is proven safe and effective for treatment-resistant major depressive disorder in adults. More than 10,000 active TMS treatments have been performed with no reported systemic side effects commonly associated with antidepressant medications, according to a 2008 study in the Journal of Clinical Psychiatry. The most common side effect is scalp pain or discomfort, generally mild to moderate.
"Studies demonstrated that treatment with rTMS therapy is safe and effective in patients who did not respond to prior antidepressant therapy," said Saeed. "In clinical trials, patients suffering with depression experienced a significant improvement in symptoms without side effects that are common with antidepressant medications."
Depression affects at least 14 million American adults each year, according to a 2005 article in the Archives of General Psychiatry. Other studies have shown that in 2000, the economic burden of depression was estimated at $83.1 billion in the United States, and researchers estimate that by the year 2020, depression will be the second-leading cause of disability worldwide.
Depression can be lethal. Reports show that more than 30,000 people die of suicide each year in the United States, 60 percent of whom suffer from depression.
Overall, women are almost twice as likely as men to suffer from depression. However, some experts feel that depression in men is under-reported. Depression has no racial, ethnic or socioeconomic boundaries.
In a randomized, controlled trial, patients treated with active rTMS therapy experienced an average reduction in their depression symptoms of 22.1 percent compared to a 9 percent average reduction of depression symptoms in patients receiving inactive treatment.
For more information about treatment with rTMS at the ECU Physicians Outpatient Psychiatry Clinic, call 252-744-1406.
The patient sits in a chair, and a device that emits magnetic waves is positioned on the patient's head. Contributed image
The system emits a magnetic field that stimulates areas of the brain thought to be associated with mood. Contributed image
Doug Boyd
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BARKAN, West Bank (AP) — Micha Drori is living the Israeli dream: a house, a yard, a wife and three kids. The 42-year-old businessman has found an affordable alternative to Israel's booming real estate market in a quiet community he loves, with a commute of less than half an hour to his job near Tel Aviv.
What's the catch? He's a West Bank settler.
The fate of Jewish settlements took center stage this week with the resumption of Israeli-Palestinian peace talks aimed at establishing a Palestinian state. In contrast to the prevailing image of settlers as gun-toting religious zealots, the majority are in fact middle-of-the-road pragmatists seeking quality of life. Many shun the settler ideology and say they will uproot quietly, if needed, for the sake of peace.
"We will not sit here and burn tires if the government will tell us to leave. We will just leave," Drori said in his quiet garden, smack in the middle of the West Bank. "When the proper solution will be found I don't believe that something will stop it like settlements. Houses can be moved ... I don't think the settlements are a problem."
For the Palestinians, though, the settlements are a huge problem. They seek a state that includes the West Bank and east Jerusalem, territories Israel captured from Jordan in the 1967 war. The Palestinians, and most of the international community, consider any settlements built beyond the 1967 borders to be illegal land grabs.
For five years, Palestinian President Mahmoud Abbas refused to engage in talks while settlement construction continued. As talks finally got under way this week, the Palestinians threatened to walk away again after Israel announced plans to build more than 3,000 new apartments.
In all, Israel has built dozens of settlements since 1967 that are now home to about 550,000 Israelis. Settlements dot the West Bank, the heartland of a future Palestine, and ring east Jerusalem, the Palestinians' hoped-for capital, making it ever more difficult to partition the land between two states. Jews now make up 17.5 percent of the population in both areas.
While religious Jews, attracted to the West Bank because of its biblical significance, pioneered the settler movement four decades ago, the settlements today have expanded into a more accurate reflection of Israeli society. The profile of a settler can vary from a suburban Jerusalemite to a non-partisan ultra-Orthodox seminary student to a commuting high-tech executive to a socialist farmer in the Jordan Valley.
Drori, for instance, is secular and never imagined living outside central Israel. But he has found a home in Barkan, an upscale settlement of nearly 400 families with red-tiled rooftops and a vibrant community center. From his backyard Drori has a clear view of the Mediterranean coast.
"The air is nice, the weather is good, the view is wonderful. I think this is most of the reason that people come here," he said.
About a third of all West Bank settlers could be defined as "ideological," according to Yariv Oppenheimer, director of the anti-settlement watchdog group Peace Now. He said these settlers, the driving force behind the settlement enterprise, are politically active and tend to live in the more outlying areas, often closer to Palestinian villages and ancient Jewish religious sites.
"The irony is that the believers are the ones who are more likely to be ultimately removed," he said.
The rest are "economic" settlers who take advantage of the benefits available to live a higher quality of life than they could have afforded in Israel proper. While these settlers tend to still hold hawkish political positions, they are not as hard-core over territorial compromise. Some, particularly those in and around Jerusalem, don't even realize they are settlers.
In fact, the two largest settlements, Modiin Illit and Beitar Illit, were established as a housing option for ultra-Orthodox Jews, the poorest segment of Israeli society. Some of the ultra-Orthodox may even have no other choice but to live in the settlements, Peace Now acknowledges.
Oppenheimer said the economic settlers were less combative and rejectionist, but because of their sheer growth posed an obstacle.
"If everyone behaves like them and settlements continue to expand, there will be no place for a Palestinian state, even if they are not ideological," he said.
Many of these settlers would evacuate quietly in return for fair compensation, but likely won't have to because they are within the major blocs Israel would probably keep in a land deal. In previous rounds of negotiations, the Palestinians agreed to swap some West Bank land for Israeli territory to allow Israel to annex the largest settlement blocs adjacent to its border.
Even if the current talks can reach a similar understanding, most experts believe that more than 100,000 settlers in outlying communities would have to be evacuated. It won't be easy.
In 2005, Israel evacuated all 9,000 of its settlers from the Gaza Strip. Despite months of protests by pro-settler demonstrators and widespread resistance by the settlers themselves, the pullout passed with relatively little violence.
Settlers have vowed to put up more of a fight under any West Bank withdrawal. Israelis in general are hesitant to pay what they consider a steep price — more than 53 percent would oppose any peace deal that included major withdrawals from the West Bank, according to a poll of 506 released by the Maagar Mohot research institute Friday. Dividing Jerusalem, home to sensitive religious sites, would be the hardest challenge of all.
Hanan Ashrawi, a senior Palestinian official, said distinctions between settlers and their various motivations could be taken into consideration during negotiations. Regardless, she said they were all part of the problem.
"They are all illegal and people will find any rationalization to explain why they are there," she said. "If anyone has any sense of justice they would understand that they are living on other peoples' lands ... You are all contributing to sabotaging peace."
Save for a brief building showdown in 2009 and 2010, construction has continued unabated under all Israeli governments despite continued international condemnation.
Just last week, Israel announced new building plans and added more settlements to its "national priority" list of communities eligible for special government subsidies. In all, roughly three-quarters of Jewish settlements are on the priority list.
In addition to the Palestinian outcry, the plan triggered international condemnations. It also angered many Israelis who accused the government of neglecting a periphery in the south and north that does not get the benefits of the settlements and is plagued by poverty, unemployment and housing shortages.
Despite their uncertain future, Israelis continue to flock to the settlements. Government statistics show the settler population growing at about 5 percent annually, compared to 2 percent elsewhere. At this rate, the settler population will grow by more than 10,000 people during the nine months of negotiations allotted by the U.S.
While most of the surge is attributed to the higher birthrates of ultra-Orthodox and other observant Jewish settlers, there are other factors. Recent parliamentary data showed that between 2001 and 2011 the settlements gained 38,880 people, with more than 170,000 moving in and just over 131,000 moving out. The 11 percent migration spike marked the second highest in any Israeli district over that time.
Some settlers are drawn to community life in the countryside, others to cheaper housing. Some seek a spiritual connection to the land of the bible, others an escape from the density (and humidity) of central Israel.
The settlements are now an even more enticing destination, with the construction of new highways that make the commute to central Israel much quicker. Most importantly, the settlers have now enjoyed a long period of relative calm after enduring years of roadside shooting attacks and other Palestinian violence. The major violence began to subside in 2005.
When Drori's wife first suggested scoping out the settlements, he refused. But after discovering that a private home in central Israel, which can cost well over $750,000, was out of their price range, he reconsidered. First they rented and then built their own house for about 40 percent less than it would cost in Israel.
"The main decision was the community. I live here with people like me," he insisted. "We were looking for quality of life: a home, a community."
The future of Barkan is uncertain. Unlike the blocs near the border, it lies deep into the West Bank and creates an enclave that would hinder Palestinian territorial continuity.
But Drori is not concerned. He's skeptical a peace accord will be reached, and if it is, he is open to various options, including living alongside Palestinians. He says he has moved many times before, and will do so again if required.
"God is not my guide," he said. "My guide is conscience and economy and community."
Follow Aron Heller on Twitter at www.twitter.com/aronhellerap .


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Librarian, Reader, Cook, and Wine Lover
Diverse. Fun. Books
Imagination is a gift...
Reader, Writer, Miner of Moments
Thoughts on writing
Books are the plane and the train, and the road. They are the destination and the journey, they are home. - Anna Quindlen
Writer & Illustrator
adventures of an old soul; her garden, her books and her outdoor lifestyle
The Unicorn Without Training Wheels
Sharing my experiences with all life's experiments!
Something to see here, decide for yourself if you wanna stay...
Jean M. Cogdell, Author-Writing something worth reading, one word at a time in easy to swallow bite size portions.
The right illustration can bring your characters and stories to life
"Imperfection is beauty, madness is genius and it's better to be absolutely ridiculous than absolutely boring."
A Little Bit of This And A Little Bit of That...
Be careful, or you might land up in my book.


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Williston Mayor R. Gerald Hethcoat presented the February Student of the Month awards at Tuesday night's City Council meeting.
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text: Jessica Szohr Covers Teen Vogue; Lindsay Dating Gucci Model?Jenna Sauers12/28/09 11:30am67SaveEditEmbiggenSend to EditorsPromoteGo to permalinkGossip Girl's Jessica Szohr scored the February cover of Teen Vogue. She says dating Ed Westwick is easy because "He's a rad guy… he's awesome and smart and talented and adorable, and we make each other laugh." [Teen Vogue]


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Karaoke AccessoriesOur collection of karaoke accessories includes speaker cable, heavy duty speaker stand, microphone windscreen, HDMI cable, and microphone table stand selections. Find exactly what you need at our cheap, manufacturer prices! Our friendly customer service staff are ever ready to help make your online shopping experience as smooth as possible!
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Every child has strong memories of Christmas mornings. The joy of the long-awaited day's arrival; the gift-giving; the beauty of the morning shared with family. Many Irish children in days gone by remembered the outdoor beauty of the morning of Christ's birth as they made their way to early morning Mass with their families.
Patrick Kavanagh, a well-loved Irish poet of recent times, has written a beautiful poem which brings to life his memories of those Christmas mornings. Here is a portion of his poem, A Christmas Childhood. Kavanagh's vivid description of the morning preparations and the family's walk to church on "Mass-going feet" can't help but make the reader sentimental for Christmases past.
...Outside the cow-house my motherYou can read the full text of Kavanagh's A Christmas Childhood at this Irish Culture & Customs webpage.
Made the music of milking;
The light of her stable-lamp was a star
And the frost of Bethlehem made it twinkle.
A water-hen screeched in the bog,
Mass-going feet
Crunched the wafer-ice on the pot-holes,
Somebody wistfully twisted the bellows wheel.
My child poet picked out the letters
On the grey stone,
In silver the wonder of a Christmas townland,
The winking glitter of a frosty dawn...
This article is part of a series written in celebration of the Advent and Christmas seasons. It will be included as part of the GeneaBloggers Advent Calendar of Christmas Memories 2009 Day 17: Grab Bag. Make a visit to Thomas MacEntee's GeneaBloggers website for some additional inspiration to get yourself in the holiday spirit!
The article originally appeared here at A light that shines again and was included in Thomas MacEntee's Advent Calendar of Christmas Memories 2007.


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I was wondering, how to translate the sentence He entered the house through the backdoor. I came up with the following variants:
- Aedificium per posticam intravit.
- Aedificium posticâ intravit.
Carolus Raeticus
adrianus wrote:per porticam "through the backdoor" and porticâ "by the backdoor".
I would say both work, Carolus.
Examen quintum in Prophetiam Ezechielis, http://books.google.co.uk/books?id=RXxAAAAAcAAJ&pg=PA380, wrote:Cur princeps eâdem portâ orientali, quâ intravit, exeat? Cumque ingressurus Princeps...per eandem viam exeat.
http://www.thelatinlibrary.com/protospatarius.shtml wrote:praedictus Smaragdus Eques intravit Barum per vim à porta Occidentali, et exiit iterum
entered with force from the Western gate and again exited


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Girl, 6, honored for 911 call that saved mom
Jaydn Higgins calls for help after mom falls into pool
A 6-year-old Gladstone girl has been honored for her heroic actions after her mother fell into a swimming pool and was knocked unconscious.
First-grader Jadyn Higgins was swimming at an apartment complex pool when her mother, Tiffany Higgins, slipped and fell, hitting her head on the side of the pool.
Jaydn grabbed a phone and called 911. Dispatchers said her quick action and calm demeanor helped get medics to the scene fast enough to treat her mother.
A bystander pulled Jaydn's mother out of the water, and thanks to quick medical attention, her mom was treated at a nearby hospital and released.
"I just can't believe that she did it," said Tiffany Higgins. "I'd be frantic in something like that, so I can't imagine me just spitting everything out calmly. So her being only 6 is very good."
Experts said the outcome might have been much different if Jaydn hadn't acted the way she did.
"For her, with her mother being in need of a medical emergency of that nature, I think it's astounding that she was able to do that," said Chief Mike Hasty of Gladstone's Department of Public Safety. "That speaks a lot to Jadyn and her family."
Gladstone's Department of Public Safety and the Mid-America Regional Council's Public Safety Program honored Jaydn with a 911 hero award and a citizen commendation at Monday night's Gladstone City Council meeting.
MARC works closely with schools and parents to help teach children how to properly use 911 in case of an emergency.


text:
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Accessibility Links
This fund cannot be shown as it has less than one year of performance data.
Important documents Before investing please ensure that you have read the Fidelity Key Features Document (incorporating the Fidelity Client Terms) and the fund information documents. These can be found by clicking on the 'Important documents' link.
|Investment House
|BNP Paribas
|Fund Provider
|Sinfonia (IFSL)
|Havard Tveit Biography
Fund Objective The aim is to provide you with a regular income while potentially increasing the value of your investment. The fund is actively managed and is known as a fund of funds which means that it invests mainly in other investment funds. These funds, in turn, invest in a mixture of shares, tradeable debt (bonds), warrants (financial contracts under which the fund can buy shares at a future date and usually at a fixed price) and money market instruments (a range of short-term financial products which can be easily bought and sold on money markets). The funds invested in, invest mainly in low to medium risk assets worldwide with a focus on the UK. The fund selects other investment funds to invest in following a thorough review of a broad range of funds which have been selected using predefined criteria set by the Investment Manager.
|Fund Status
|Fund Type
|12-Month NAV High
|12-Month NAV Low
|Fund Comparative Index
|Morningstar CategoryTM
|GBP Moderately Cautious Allocation
|Dividend Frequency
|Historic Yield
One or more funds cannot be shown as they have less than one year of performance data.
This Fund
Fund versus Morningstar Category
The value of the fund and the income from it can go down as well as up so you may get back less than you invested. If your fund invests in overseas markets, changes in currency exchange rates may affect the value of your investment. If your fund invests in small and emerging markets, these can be more volatile than other more developed markets. Past performance is not a guide to future returns.
For funds that invest in bonds, please be aware that the price of bonds is influenced by movements in interest rates, changes in the credit rating of bond issuers, and other factors such as inflation and market dynamics. In general, as interest rates rise the price of a bond will fall. The risk of default is based on the issuer's ability to make interest payments and to repay the loan at maturity. Default risk may therefore vary between different government issuers as well as between different corporate issuers.
Some of the performance and risk data presented may start before the share class was launched. If so, the data prior to the launch date of the share class is based on the fund or share class that has similar or higher charges, in order to provide an indication of longer term performance and risk. Please refer to the launch date and performance start date in the fund factsheet to determine whether the data has been extended.Past Performance and Risk & Volatility figures are presented in British Pounds Sterling (GBP). Fund returns are calculated on a Nav to Nav or Bid to Bid basis with income reinvested either after tax (for UK-domiciled funds) or gross of tax (for offshore funds). Performance figures include the effect of the OCF/TER. To cover distribution costs a separate service fee is now also charged on most funds, which is not included in the past performance figures. Consequently the past performance of the fund may be less than that shown on the chart due to the effect of the service fee.


text:
MIAMI, Feb. 7, 2013 (GLOBE NEWSWIRE) -- Spartan ERV (Emergency Response Vehicles), a business unit of Spartan Motors, Inc. (Nasdaq:SPAR), hosted its annual Sales Training Conference Sunday-Wednesday, Feb. 3-6. The annual Sales Training Conference is a critical component in the training of Spartan ERV's dealers and sales managers. The attendees discuss current innovations as well as learn about other planned product introductions in various training classes. Spartan ERV recognized 10 dealers during the event in Miami, Fla., as well as celebrated the success from 2012.
Dennis Schneider, President, Spartan Emergency Response, opened the week by thanking the dealers for their support in 2012, which resulted in an increase in orders (units). "Last year was a very good year for us at Spartan ERV," Schneider said. "Looking ahead, our joint venture with Gimaex will allow us to sell even more products in more markets. Also, we have seen a great response for our Advanced Protection System, as over 70% of orders now include the system."
Spartan ERV Vice President of Sales and Marketing Bill Doebler echoed Schneider's statements with the dealers. Doebler recapped 2012 and talked about the company's direction moving into 2013 and beyond. "Thank you all for your continued commitment to the Spartan ERV brand," Doebler said. "At Spartan ERV, your vision and strategy help us to better align ourselves to be more competitive in the market. We value each and every one of your ideas and suggestions for how to better position this company for years to come."
Year after year, dealers are eager to get back to the sales conference to learn more about the Company's latest innovations. "The biggest thing I see year after year at the Sales Training Conference is progress and innovation," said Brian Cudaback, Apparatus Manger at Metro Fire Apparatus Specialists, Inc. "This is what we want in the field. We want to be No. 1 in the market, so it is good to come in here and see someone that is listening to us about changes."
A highlight of the week was a presentation from Louis Devaleix, Chief Executive Officer, Gimaex Americas, regarding Spartan ERV's joint venture with Gimaex. Spartan ERV and Gimaex collaborated in the development of the Telstar, a telescopic and articulated aerial platform, among other projects under way.
In addition to Spartan ERV's scheduled classes, dealers attended an exhibitor event from various suppliers. Spartan ERV saw a growth in total exhibitors from last year's event, along with an increased number of attendees.
Kent Cummings, Sales Manager with Fire Equipment Services, who attended his first Sales Training Conference, was impressed with how interactive and informative the conference was for the dealers. "From an outside perspective with this as my first Spartan conference, this is by far leaps and bounds above any other sales training event I have attended," said Cummings. "From a presentation standpoint, it's great to see Spartan individuals doing presentations on Spartan products; we aren't feeling pushed off as an afterthought."
Along with the scheduled classes, attendees gathered around the hotel's outdoor pool Sunday evening to watch the Super Bowl and cheer on their respective team.
The 2012 award winners are:
Dealership of the Year
Ferexpo S.A. (45 units)
Salesman of the Year
Pino Natale, Dependable Emergency Vehicles (42 units)
Aerial Top Gun
Metro Fire Apparatus Specialists, Inc. (8 aerials)
Most Stock Units Sold
Dependable Emergency Vehicles (10 units)
Rookie of the Year
Colden Enterprises, Inc. (7 units)
Most Improved Dealer
Ferexpo S.A.
10-Year Longevity
C & S Specialty, Inc.
New Dealerships
Colden Enterprises, Inc.
Fire Equipment Services
First Choice Fire and Safety, Inc.
Utility Equipment Service, Inc.
Anchor-Richey Emergency Vehicle Services, Inc.
About Spartan ERV
Spartan ERV™ is a leading manufacturer of custom fire trucks and other rescue vehicles. A business unit of Spartan Motors, Inc. (Nasdaq:SPAR), Spartan ERV™ is committed to quality, performance and innovation. Drawing on more than 130 years of excellence in fire truck manufacturing, Spartan ERV™ manufactures a full line of pumpers, tankers, rescues, aerials, quick-attack/urban interface vehicles and other emergency-rescue vehicles from its facilities in Florida, Pennsylvania and South Dakota. For more information, visit www.spartanerv.com.
About Spartan Motors
Spartan Motors, Inc. designs, engineers and manufactures specialty chassis, specialty vehicles, truck bodies and aftermarket parts for the recreational vehicle, emergency response, government services, defense, and delivery and service markets. The company's brand names - Spartan™, Spartan ERV™ and Utilimaster® - are known for quality, performance, service and first-to-market innovation. The company employs approximately 1,700 associates at facilities in Michigan, Pennsylvania, South Dakota, Indiana, Florida and Texas. Spartan reported sales of $426 million in 2011 and is focused on becoming a global leader in the design, engineering and manufacture of specialty vehicles and chassis. Visit Spartan Motors at www.spartanmotors.com.
This release contains several forward-looking statements that are not historical facts, including statements concerning our business, strategic position, financial strength, future plans, objectives, and the performance of our products. These statements can be identified by words such as "believe," "expect," "intend," "potential," "future," "may," "will," "should," and similar expressions regarding future expectations. These forward-looking statements involve various known and unknown risks, uncertainties, and assumptions that are difficult to predict with regard to timing, extent, and likelihood. Therefore, actual performance and results may materially differ from what may be expressed or forecasted in such forward-looking statements. Factors that could contribute to these differences include operational and other complications that may arise affecting the implementation of our plans and business objectives; continued pressures caused by economic conditions and the pace and extent of the economic recovery; challenges that may arise in connection with the integration of new businesses or assets we acquire or the disposition of assets; issues unique to government contracting, such as competitive bidding processes, qualification requirements, and delays or changes in funding; disruptions within our dealer network; changes in our relationships with major customers, suppliers, or other business partners, including Isuzu; changes in the demand or supply of products within our markets or raw materials needed to manufacture those products; and changes in laws and regulations affecting our business. Other factors that could affect outcomes are set forth in our Annual Report on Form 10-K and other filings we make with the Securities and Exchange Commission (SEC), which are available at www.sec.gov or our website. All forward-looking statements in this release are qualified by this paragraph. Investors should not place undue reliance on forward-looking statements as a prediction of actual results. We undertake no obligation to publicly update or revise any forward-looking statements in this release, whether as a result of new information, future events, or otherwise.
CONTACT: Russell T. Chick Corporate Director of Marketing Spartan Motors, Inc. 517.997.3852Source:Spartan Motors, Inc.


text:
The Baltimore Running Festival is still a few days away, but Dr. John Senatore has been seeing injured patients for weeks.
The veteran marathoner and chief of podiatry at MedStar Union Memorial Hospital in Baltimore said people have already overtrained and come to see him with strained muscles, stress fractures and other injuries.
He tells people if it hurts to run then skip the race. But he expects people will run away.
Senatore will be on hand at Saturday's race as a part of a team of MedStar doctors treating injured runners at the festival, which includes a marathon, half-marathon and 5k.
"The marathon is a very unforgiving race," he said.
MedStar Harbor Hospital will also hold a free injury assessment clinic Monday, when people discover aches and pains they didn't notice right after the race. The clinic is scheduled for 4 p.m. to 6 p.m. No insurance needed.
Patients will be assessed by Dr. Jeff Mayer, primary care sports medicine physician and Josh Billings, a physical therapist and running program coordinator for MedStar National Rehabilitation network.
Appointments, though not necessary, can be made by calling 410-350-8372.
In the meantime, here are some tips for race day from Dr. Senatore, to help prevent injuries and other medical problems, such as dehydration.
1. Hydrate, hydrate, hydrate starting early race morning.
2. Pull out all clothing the night before that will be worn the day of the race. Use the 20 degree rule....plan on wearing clothes that you would walk in 20 degrees above the race time temperature. Make sure your chip is on your shoe.
3. Never wear anything new (that includes shoes,socks, and clothing) nor eat or drink anything that has not been consumed during a long run.
4. Start the race SLOW. Do not get caught up in the race time hype. Have a plan (pace) and stick to it.
5. Start the race with disposable clothing. Once the race starts toss them into the crowd. Do not over heat!


text:
BRIDGEHAMPTON, N.Y. (AP) — A minor tempest over an access road built on Madonna's Hamptons horse farm appears to have been settled.
Newsday (http://bit.ly/1enGg1V ) reports that Suffolk County officials sent the entertainer a cease-and-desist letter. It said her 24-acre Bridgehampton property was improperly being used as a cut-through for construction vehicles to get to her adjacent land.
The county prohibits any "driveway, roadway, path or thoroughfare" on land belonging to its farmland preservation program. The only exception is for agricultural uses.
An attorney for Madonna's for Wild Horses Farms LLC, Edward Burke Sr., called it "an unfortunate mistake."
It has since been removed.
He says the unpaved road in question was always temporary. He adds that "there was no harm done."
Information from: Newsday, http://www.newsday.com


text:
Witnesses sought in alleged assault allegations against former UNH women's hockey coachBy JASON SCHREIBER
Union Leader Correspondent
February 12. 2014 11:37PM
DURHAM - Authorities are seeking information from potential witnesses as part of a criminal investigation into assault allegations against a University of New Hampshire women's hockey coach fired after an incident with a player during a game.
"The University of New Hampshire Police Department, in collaboration with the Strafford County Attorney's Office, is currently investigating an allegation of simple assault between former UNH women's hockey coach Brian McCloskey and a female hockey player. The investigation is the result of a complaint filed by the female UNH player. Investigation is ongoing and it would be premature for me to comment any further at this time," UNH Police Chief Paul Dean said in an e-mailed statement.
The complaint was made after a Wildcats' home game against Ohio State on Nov. 30.
The university has said McCloskey was fired for having inappropriate physical contact with the player on the bench.
That contact was not sexual in nature, according to a UNH spokesman.
Strafford County Attorney Tom Velardi said UNH police contacted his office to assist with the investigation. Durham police are helping as well.
"If folks saw something they think authorities should know about, we're hopeful that information will be volunteered," Velardi said.
McCloskey was an assistant with the men's hockey team at UNH before taking over the women's program in 2002.
McCloskey, who is seeking reinstatement, recently detailed his version of what happened at that November game in a letter to colleagues.
According to the redacted letter published at Fosters.com, McCloskey said he reached out for the jersey of an uncooperative player at her shoulder and put her on the bench to reprimand her after she yelled and turned her back on him.
Laura Studen, McCloskey's lawyer, has claimed that the university overreacted to the incident.
"Even assuming that his alleged conduct on November 30, 2013, was as described in the termination letter (and it was not) the university's termination of his (McCloskey's) employment was not only a vast overreaction and an excessive response ... but it was also improper and illegal," she wrote in a recent letter to UNH President Mark Huddleston.
Crime, law and justice New Hampshire Hockey Top Section Stories


text:
|2013-04-13, 20:54
|Link #8382
Senior Member
Join Date: Mar 2012
Location: Where the Sky Touches the Sea
Age: 25
Most recent chapter was really nice though with its super detailed "recap" looks like things will be picking up now, maybe we will get to see the past versions of a lot of the other girls now.
|2013-04-13, 20:58
|Link #8383
Senior Member
Join Date: Mar 2009
Location: In my room
The latest chapter was nice though it looks like he will indeed create a whole new future with the development in the cave had change.
I'm looking forward for the loli version of the girls he conquered.
With this setting, he probably will be the one who stir the likes, dislikes, hobbies or character of the girls. Leading them way to the desired ending.
|2013-04-13, 23:17
|Link #8384
a random Indonesian otaku
Join Date: Dec 2009
Location: Xanadu
Age: 26
still confused.... I think the reset is there to make sure Keima still in his track... if he miss it, then the 'future' won't be there
I don't know what will Keima do again... I think he already set everything and can go back to the future now...
|2013-04-14, 09:21
|Link #8389
Takao Tsundere Cruiser
Join Date: Oct 2008
Location: Classified
|2013-04-14, 10:51
|Link #8391
Senior Member
Join Date: Mar 2010
So there is A, B, Y...etc world line
he is from A line
And this world from B line
He need to make this world past match the world line he come from
In this time there is some game park but there is none from where he come from ( in his flash back there is not even trace of anything been built or removed)
Last edited by Gundamx; 2013-04-14 at 14:02.
|2013-04-14, 16:06
|Link #8393
Senior Member
Join Date: Mar 2010
In the "Stable Time Loop" case, you have a circular flow of causality. The future goes back to the past, which in turn affects the future and that makes them go back to the past. In this case, there is no clear beginning that sets these events into motion.
In both cases there are parts that require the suspension of disbelief, and without time travel being possible in the real world, it's hard to say which theory is closer to the truth than the others.
|2013-04-14, 21:52
|Link #8394
Komrades of Kitamura Kou
Join Date: Jul 2004
Age: 33
Multiple Worlds Interpretation would be able to solve this paradox, but if and only if this is an interaction (Keima) between 2 different universes, which seems to be Dokuro's explanation. Dokuro assumes that in this universe saving the goddesses would fail, and sends someone out to look for a universe where success occurred to recruit the factor that caused success. This would mean of course that this isn't Keima's "original" universe, he is being recruited to save create the "beginning" of another universe so that this universe will end up going along the same series of events as his own universe.
This of course begs the question if this event is a requirement for the original story timeline to exist. If indeed a certain Keima must go to an equivalent past of another universe to push it towards a desired timeline, and that Multiple Worlds Interpretation is the most viable solution to the paradoxes of time travel, then it stands to reason in the original story timeline a certain Keima intruded as well to create our story's timeline.
|2013-04-14, 23:30
|Link #8395
Senior Member
Join Date: Jun 2006
Does this make the goddess hosts childhood friends? (Not Keima's strict definition.)
It is ironic that while Keima is about to manipulate the girls for the future the girls are trying to imprint themselves to 7 year old Keima so he'll choose one of them.
This is almost like the chicken or the egg. As the girls could be the reason he is anti-social to females on account of some vague memory. His likes and dislikes shaped as well. In Yui's case she got bro treatment.
|2013-04-15, 03:18
|Link #8396
Senior Member
Join Date: Mar 2010
Keima could be the one who helped the goddesses select their hosts.
|2013-04-15, 09:01
|Link #8398
Join Date: Nov 2007
Age: 29
No I don't mean he is the vessel for Demeter! Get those impossible thoughts out of your heads!
|2013-04-15, 20:10
|Link #8400
Anything's Possible
Join Date: Jul 2009
|comedy, harem, shounen
|Thread Tools


text:
The Law Covenant
Even after we have trusted in Christ, the law continues to show us our need for Him. If we meditate on God's commandments, we soon see that we have not kept any of them with our whole heart, mind, soul, ...Read More
The Covenant Of Faith-Righteousness
What is to be our response to the Abrahamic covenant? It is to forsake any claim to merit that we might think we have and to rest on Christ alone for salvation. We must continually turn to Jesus in faith, ...Read More
The Covenant of Preservation
How often do we think about the good gift of a stable and predictable natural order? The consistent rhythm of the seasons, the sun and moon, and even the weather enables us to make plans, grow crops, and do a ...Read More
Covenatal Intervention
God could have abandoned all people when Adam fell, leaving us totally under the devil's domain with no desire to resist him. But the Lord graciously intervened to give His people the will to resist Satan and, even better, God ...Read More
God's First Covenant With Mankind
Because of Adam's sin, we are born corrupt and cannot please God apart from grace. We are wholly dependent on the Lord's unmerited favor for our salvation and for any of the good works that we do in gratitude for ...Read More
The First And Primary Cause
It is logically necessary that God exists. Because anything exists, there must be a first, primary cause of all else, and only the self-existent God of Scripture can fill that role. Only Christianity can offer true, ultimate meaning to people ...Read More
Humility And Understanding
Science helps us understand how the world operates, and one thing that it cannot do is draw conclusions that are logically impossible. If a scientific conclusion is logically impossible, we know it is an erroneous conclusion. When we encounter things ...Read More
The Equivocation Of Chance
The word chance is often used as a stand-in for God in science, as if we are saying, "We do not know what caused this, but whatever it is, it cannot be God." Thus, using chance to explain away God ...Read More
Chance: The Great Myth
hance has no power to cause anything; it can only measure the likelihood of a future result based on known conditions. When we speak of chance at all, we must always speak of it under the assumption and recognition that ...Read More
The Role Of Reason
Even our Savior used both induction and deduction in His ministry. For example, when arguing with the Sadducees about the resurrection (Matt. 22:23–33), He considered the evidence from the text inductively and then deduced a conclusion from it. To interpret ...Read More


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Oil prices pushed back above $93 per barrel Monday as sentiment in financial markets was shored up by the formation of an Italian government and expectations of an interest rate reduction from the European Central Bank later this week.
By early afternoon in Europe, benchmark crude for June delivery was up 35 cents to $93.35 a barrel in electronic trading on the New York Mercantile Exchange. The contract fell 64 cents to close at $93 in New York on Friday after figures showed the U.S. economy grew by an annualized rate of 2.5 percent in the first three months of the year.
Analysts said the recent run of disappointing U.S. data will likely limit the advance of oil prices.
"Unless the economy picks up, we are unlikely to see any sustained recovery of oil prices," analysts at Commerzbank in Frankfurt said in a note.
Though the global growth picture has largely disappointed of late, investors think it's increasingly likely that the world's leading central banks will maintain their loose monetary policies for a while yet.
And in the case of the European Central Bank, there's an expectation in the markets that the benchmark interest rate will be cut from the current record low of 0.75 percent to 0.50 percent.
A weaker dollar also helped boost oil prices by making crude priced in dollars cheaper for traders using other currencies.
"The euro started to strengthen further, supported by news that a new government is finally in place in Italy and continued hopes that we may get lower interest rates from the ECB later in the week," a report from Sucden Financial Research in London said. On Monday, the euro was up to $1.31 from $1.3065 late Friday in New York.
Brent crude, which is used to price oil from the North Sea used by many U.S. refiners, was down 2 cents to $103.14 on the ICE futures exchange in London.
In other energy futures trading on Nymex:
— Wholesale gasoline fell 1.63 cents at $2.811 a gallon.
— Heating oil retreated 1.71 cents to $2.849 a gallon.
— Natural gas added 3.4 cents to $4.257.


text:
You can meet some of your best friends through being
roommates, but it is important to be able to communicate effectively in
order to get the best results out of any situation that may arise
between you and your roommates. Always remember that there is staff
available 24/7 to assist you with any concerns or problems you have. The
following tips will also help prevent/ease tension between roommates:
Tip 1 - Make sure to fill out the Roommate
Agreement Form during the 1st week of moving to a new room. You can
print it from the UNF Housing website under Current Students. You will
need to sit down with your roommate(s) and discuss the topics on the
form and come to a mutual agreement. Sign the form together and give a
copy to your Resident Assistant.
Tip 2 - After you have given a copy to
your Resident Assistant, you may find that there are some things that
you would like to change on the form with you and your roommate(s). You
can always go back to the form and change it.
Tip 3 - If there is a problem, make
sure to always talk to the person about what is wrong and how you feel.
Address the problem and not the person. Also, make sure to not get
other parties involved in the conflict.
Tip 4 - It is important to remain calm
at all times and use "I" statements instead of saying "You make me feel
uncomfortable when you use my dishes without asking." Say, "I feel
uncomfortable when you use my dishes without asking."
Tip 5 - If you have talked to your
roommate(s) and it is still not working out, then you can ask the
Resident Assistant to come and meet with you and your roommate(s) to
discuss the problems. They will help you and your roommate (s) to think
about ways to mediate or offer other resources that are available in