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IELTS Speaking Part 1: the Introduction Phase.
Note that during IELTS Speaking test EVERY IELTS candidate is asked these questions, exactly (or almost exactly) as they are written here.
The Standard Introduction Questions:
IELTS Speaking question 1:"Good morning (good afternoon). My name's X. Can you tell me your full name, please?" (= Please tell me your name.)
IELTS Speaking question 2: "What can I call you?" (= What shall I call you? = What should I call you? = What would you like me to call you?)
IELTS Speaking question 3: "Can you tell me where you're from?" (= Where are you from?)
IELTS Speaking question 4: "Can I see your identification, please?" (= Could I see your identification, please? = May I see your identification, please?)
(The IELTS examiner is usually referred to as "he" on this page because writing, "he or she" is too cumbersome. Actually, about 40% of the IELTS examiners are female.)
The 'Introductory' phase of the IELTS Speaking test consists of a greeting from the IELTS examiner, followed by four questions. The main purpose of this IELTS Speaking part is to check the candidate's identity. At the same time, the examiner begins to get an impression of the candidate's English ability.
Although this is (indirectly) part of the IELTS test, you should not give long, detailed answers because:
a) Long, detailed answers are not appropriate for these questions and,
b) The IELTS examiner wants to do this part of the IELTS test quite quickly, in about 30 seconds.
Since this is the very beginning of the IELTS test and since the IELTS examiner wants to do this part quickly, try to avoid causing the examiner to ask you to repeat what you just said.
The four questions are standard questions that are used in every IELTS Speaking test. Therefore, since we know exactly what the questions will be, it is a good idea to look at them in order to avoid making unnecessary mistakes.
When the IELTS examiner first turns on the tape recorder, he makes a short statement into the tape recorder, stating such information as the date, location and the candidate's name.
IELTS Speaking question 1:
- Then the IELTS examiner says something like: "Good morning. My name's John. Could you tell me your full name, please?"
- Many IELTS examiners say these three sentences together, without pausing after saying, "Good morning. My name's X." Because the IELTS examiner does not pause to wait for the IELTS candidate to return the greeting, most candidates just answer the question without returning the greeting. However, it's both good manners and more friendly to return a greeting. In other words, you should include "Good morning." or "Good afternoon" in your answer. If you can catch the examiner's name (without asking him to repeat it because he wants to do this section quite fast) then you should also include his or her name in your answer.
- Don't say, "Good morning, Mr. John." The words Mr., Miss, Mrs. and Ms. are only used before a person's surname and "John" is not (usually) a surname. The examiner usually just says his or her given name (first name), not their full name.
- A suitable reply is: "Good morning, John. My name is Wang Jianfeng." If you do not include his name, it doesn't matter too much but remember that the examiner is a human being and hearing you say his name would be a pleasant surprise for him! He will think of you, "What a nice person!"
- Throughout the IELTS speaking test, it is best to use the contracted forms of English whenever possible but in this first answer, it is perfectly appropriate to say, "My name is" rather than, "My name's". It is appropriate here because when a person states his or her name in a situation such as the IELTS interview, they usually want to say it very clearly so that the listener makes no mistake with the name. Don't forget, the IELTS examiner is verifying your identity here.
- It's ok to say, "Good morning, John. My full name is Wang Jianfeng." but it's not really necessary to repeat the word, "full". However, you definitely must say your complete name – don't just say, "My name's Wang."
- Even though you are speaking a Chinese name, you still should speak it clearly for the foreigner. In fact, you should speak it more clearly than you would if you were speaking to a Chinese person. This is because it is important for the IELTS examiner to confirm that it really is you sitting there and not your brother or someone else. The IELTS examiner has your application form in front of him and your name is written on it in hanyu pinyin. Remember, the examiner does not want to waste time by asking you to repeat your name because he didn't hear it clearly.
- Don't change the order of your name and say your name is, "Jianfeng Wang". (Even if you do the test overseas, respect your Chinese naming system.)
Besides, your name will be written as, "Wang Jianfeng" on the application form, which is what the examiner is looking at as you say your name.
- Don't say, "My Chinese name is _____". It is completely unnecessary to say the word, "Chinese" because the purpose here is to check your legal identity, that is, your real name; you only have one legal name and that is your Chinese name. The wording of the question, "... your full name ..." shows that this is a serious question and that the examiner wants you to say your real name. Your English name, if you have one, is no more significant than a nickname; you can change it at any time.
- Don't spell your name. (Only spell it if the IELTS examiner can't understand your pronunciation of it.)
- Don't say, "Wang is my family name and Jianfeng is my given name." The question didn't ask you to explain your name. Sometimes there is a Part 1 topic concerning 'Names' and in such an IELTS topic, explaining your name could be suitable. But not here. Saying that also gives the examiner the feeling that your answer comes from an IELTS book. You should avoid causing the examiner to think this because IELTS examiners very much prefer original answers from you.The only time when it might be appropriate to explain which is your surname and which is your given name is if you are a Chinese person doing the IELTS test overseas.
- Don't call the IELTS examiner, "Sir", "Miss" or "Madame". If you didn't hear his or her name, just say, "Good morning." without saying his or her name. Using "Sir", "Miss" or "Madame" is a sign that you either consider the examiner to be a teacher or that you are being unnecessarily formal or that you consider the examiner to be your 'superior'– you should think of the examiner as an equal, not as someone superior to you. If you think of the examiner as an equal, you will speak more openly, be more relaxed and get a better score than if you think he or she is a superior, or some kind of 'examining god'. Remember, Westerners are usually less formal than Chinese people.
- The examiner's question was, "Could you tell me your full name, please?" and this sounds like a "Yes/No" question. However, this form of question is not really a "Yes/No" question; it's an indirect question, which really means, "What is your full name?" Indirect questions are considered more polite than direct questions.
- Whenever you are asked such an indirect question, you should not answer with, "Yes" or, "Yes, I could." Native English speakers sometimes do answer such questions by first saying a very quick, "Yes" but you should not say that because the examiner might think that you think it really is a "Yes/No" question.
- Some IELTS candidates give an answer such as this: "My name is Wang Jianfeng but you can call me Robert." This answer is quite acceptable and quite natural in a non-test situation, for example, if you meet a foreigner on the bus. But I suggest you don't say that in the IELTS Speaking test because some examiners might think that you already knew what the second question is ("What can I call you?") and that you had rehearsed your answer and examiners don't like answers that seem to be obviously rehearsed.
Not only that, adding the words, "... but you can call me ..." in a situation where someone is verifying your identity is a little unsuitable. If a policeman or a bank clerk asked you, "Can you tell me your full name, please?" would you answer with, "My name is Wang Jianfeng but you can call me Robert" ?
- In other words, I would say it is better not to add, "... but you can call me ..." after this question. Instead, wait for the examiner's second question.
IELTS Speaking question 2:
- Then the IELTS examiner will say: "What can I call you?" (Or, "What shall I call you?")
With this IELTS question, the examiner is indicating that he or she would like to address you in the IELTS test with some name that is shorter and friendlier than your full name. This is a sign that the IELTS test will not be very formal and serious but will instead, to some extent, have some of the features of a friendly chat.
However, as I mentioned above, it is better to wait for the examiner to indicate this, with this second question, than for you to make the decision on the formality level of the test by saying, "... but you can call me ....". Let the examiner be in charge of the test.
- You don't need to use an English name! But if you do use an English name, make sure that it is simple and easy for the examiner to understand the first time you say it. It's probably best to use a fairly commonly used name. For example, no English speaker chooses to be called, "Apple", even as a nickname. This kind of name could cause the examiner to ask you to repeat your name because he might not be sure he heard it correctly.
- If you do choose to say an English name, make sure that you can pronounce it correctly! Mispronouncing your own English (nick)name is an unnecessary mistake and would not give the examiner a very good impression. For example, if your English name is Harry, don't say, "Just call me Hairy." (See here for the meaning of "hairy".) Or, if your English name is Justin, don't say, "Just call me Justine."( Justine is the female form of Justin and is pronounced differently).
- Occasionally, a candidate says something like, "Just call me by my English name, Yuki." But Yuki (and Suki) are Japanese names, not English names. And 'Pierre' is a French name (meaning, Peter). You won't lose points in the Speaking test by making such errors but you won't impress the examiner with such basic errors of fact (not errors of English). If you use a name other than your Chinese name, find out if it is in fact an English name or not.
- Most examiners in China are (or should be) used to candidates saying, "Just call me Xiao Wang" but, to be on the safe side, it might be better if you said, "Just call me Wang." or, "Just call me Jianfeng." without using the word "xiao".
- If you have a two-word name such as Liu Xiang and if this is what you would like to be called, don't say the name in exactly the same way as you said it in your answer to the first question. For example, for the first answer, you should say something like, "My name is Liu Xiang", with the emphatic stress on your name. But for the second question, you should say something like, "Just call me Liu Xiang", with the stress on the word "just", not on your name this time because it is not something new.
- If you use the word, 'just', don't pronounce the 't' – the 't' is 95% silent (except when it is the last word of a sentence).
- Many candidates say something like, "You can call me Stephen." That answer is ok but you should not pronounce 'can' as 'kæn'. Instead, you should pronounce it as 'kЙ™n' or even, "k'n" – it should be pronounced in a quick, short way, not long as in 'candle' or 'Canada'. (Hear the two ways to say, "can" here.)
'Can' is pronounced as 'kæn', a) when we ask a question – "Can you help me?", "Can you swim?" and, b) when we want to emphasize, for example, when we say, "Yes, I can." However, it is pronounced as 'kЙ™n' or even, "k'n" when we speak sentences such as: "I can speak English", "I can drive a car" and "She can play the piano."
Some examiners will not notice the pronunciation of this word but even those who don't notice will still feel that your English sounds natural if you say, 'kЙ™n' or sounds a little unnatural if you say, 'kæn'.
- Don't say, "You may call me Stephen." because 'may', in this kind of situation, is used when giving permission to, or speaking to a person of inferior status.
- Some candidates say: "You can call me by my English name, Stephen." That's acceptable but the examiner knows that Stephen is an English name, so why say it? Certainly, you should avoid the mistake of saying, "You can call me my English name, Stephen." – this is a grammatical mistake – you must use the word, 'by' in this expression. Similarly, "You can call my English name, Stephen." is incorrect.
- Another acceptable answer is: "Please call me Stephen."
- Only say something such as, "All my friends call me Stephen" if it is true! Do your Chinese friends really call you 'Stephen'? You want to avoid giving the examiner the impression that you learned answers like that from an IELTS book.
- If you feel that it's suitable and interesting to tell the examiner where you got your English name or why you chose a certain English name, then it is quite natural to add a small comment about that. Examiners are interested in learning something new from candidates and they would like a naturally stated piece of extra information. But keep it very short. (The fact that your high school English teacher gave you your English name is not interesting enough to say in this situation.)
IELTS Speaking question 3:
- The third question that the IELTS examiner will ask you is: "Could you tell me where you're from?" (Or, "Can you tell me where you're from?")
Again, this is an indirect question, which really means, "Please tell me where you're from." So don't begin your answer with, "Yes."
- Just saying, "I'm from Heilongjiang" or "I'm from Harbin" is answering the question but, since these questions are checking your identity, you should give a more exact answer, i.e., don't just say the name of the province where you are from and don't just say the name of the city or town – say both.
- In Chinese, you say the province first and then the city or town. But in English, it is the reverse of this – you should say the city or town first, followed by the name of the province.
- Some candidates say: "I come from Shenyang, Liaoning Province." That answer is not wrong but it could be a little better. How? By using the contracted form of English: "I'm from Shenyang, Liaoning Province." As a general rule, you should use contracted English as much as you can, or as often as you remember in the IELTS Speaking test. It's the natural way to speak English and it's more fluent.
- Definitely do not say: "I came from Shenyang, Liaoning Province." The question is a present tense question and you should use the present tense in your answer.
- For this question, it is suitable, (and perhaps a good idea) to add a small amount of extra information if you want but try to say it quickly and in a short sentence. For example you could say: "I'm from Shenyang, the capital of Liaoning Province." Or, "I'm from Shenyang, Liaoning Province. That's in north-east China." (In that sentence, don't put sentence stress on the word 'China' because if you are doing the test in China, the examiner knows you are from China so there is no need to emphasize that word.)
- Make sure you don't make a grammatical error such as: "I'm from Shenyang, Liaoning, north-east of China." 'North-east of China' means out of China (for example, Korea). The correct phrase here is, 'in the north-east of China' or, 'in north-east China'.
- Don't say your town or city belongs to a certain province or part of China – that's an incorrect usage of 'belong to'. Instead, you should say it is 'in' a certain province or part of China.
- Similarly, don't say your town or city is 'of' a certain province or part of China – that's also incorrect. For example, "I'm from Shenyang of Liaoning Province."
- If you come from a small city, town or village then it is perfectly acceptable to add that kind of information to your answer: "I'm from Bai Shan City, a small city in Jilin Province, not far from the border with North Korea."
- If you do the test in your hometown (city), you should say something like this: "I'm from here, Beijing." And put the stress on the word, 'here'. Don't answer the question in the same way you would if you were doing the test away from your hometown. Your situation is different to many other people and you should express this difference.
- If you do the test in your hometown (city), don't say: "I'm a local people" – 'people' is plural! However, it is quite natural to say, "I'm a local person; I'm from here, Beijing."
- If you're from Beijing and you do the test in China, don't say: "I'm from Beijing, the capital of China." I think the IELTS examiner knows that Beijing is the capital of China!! But if you do the test overseas, for example in Australia or England, that answer is suitable.
- Also, if you do the IELTS test in your hometown it sounds a little inappropriate to use the word 'come' in your answer because you never traveled to get to the test; you didn't 'come'. For example, "I come from Beijing." sounds a little strange if you are doing the test in Beijing. On the other hand, "I'm from Beijing" sounds better, but as stated above, you really should express the fact that your situation is different to that of other candidates.
- It is not suitable to say something such as: "I'm from Qingdao, a beautiful coastal city in Shandong." Why is this not suitable? Firstly, it sounds like an advertisement. Secondly, and more importantly, the word, 'beautiful' is your opinion but the four questions in the introductory phase of the test are really asking for facts, not opinions. It would be acceptable if you just said, "I'm from Qingdao, a coastal city in Shandong."
Describing Qingdao as 'beautiful' is not a major problem and you shouldn't worry too much about making that kind of slightly inappropriate reply. The major problem with that answer is that you could cause the examiner to suspect that your answer came from an IELTS book, instead of being your own, original language. On the other hand, if you said, "I'm from Xian, the capital of Shaanxi Province and it's also a famous historical city", the answer would be more acceptable because the words, 'famous' and 'historical' sound more like facts rather than opinions.
- Throughout the IELTS Speaking test, don't ask the IELTS examiner questions – it is the examiner who asks the questions! It is inappropriate (although quite natural in a normal, non-test situation) to say something such as: "I'm from Xian, the capital of Shaanxi Province. It was the ancient capital of China for several dynasties. Have you ever been there?"
- Some candidates worry about which place they should say when they answer where they come from. You should choose the place where you grew up. If the address on your application form is different to the place where you grew up, it is entirely appropriate, and a good idea, to quickly explain your situation, for example: "Well, I grew up in Changchun, Jilin Province but I've been studying in Beijing for the past four years." Examiners know that many people move to different places to study or work.
- Some people think that they should answer by saying the name of the place where they were born. But if you were born in Wuhan and your family moved to Beijing when you were eight, you probably don't know much about Wuhan. In this example, to say that you were from Wuhan would not normally be a problem in the introduction phase of the IELTS Speaking test but it could cause a problem later in the IELTS Speaking test. For example, there is often a Part 1 topic, 'Hometown', and the IELTS examiner might ask you to talk about Wuhan. If this happened, you would then have to explain your true situation because you don't remember much about Wuhan. It would have been much better if you had explained your situation in the introduction phase of the test because if you wait until you are forced to explain your true situation, the examiner might start to wonder if you really are the person on the application form! Be honest and clear when you answer the 4 introduction questions. In the other parts of the test, it doesn't matter if you tell a few small lies (or even big lies!) – this is an English test, not an interview for a job – but keep in mind that it is more difficult to talk in detail and convincingly about things that are not true. And if the examiner realizes that you have told a (major) lie, he or she could lose some respect for you. This would not normally affect your score but if the atmosphere of your 'conversation' (the IELTS Speaking test) is spoiled then the IELTS examiner might be a little less patient or friendly and that could affect your performance.
IELTS Speaking question 4:
- The final introduction question is: "Could I see your identification, please?" You should have your иє«д»ЅиЇЃ in your hand or on the table in front of you, ready to give to the examiner.
- Note that the IELTS examiner doesn't really ask you to say anything. If you say nothing as you give your ID card to the examiner, most examiners will not mind. (I remember that when I was an examiner, I gave a final score of 7 to some candidates who said nothing when they gave me their ID card. The important thing is what you say in the rest of the test, not what you say, or do not say, as you hand over your ID card!)
- Nevertheless, although most examiners would not consider it impolite if you didn't say anything, it would be best if you did say something. There are two reasons for this: a) it is possible (although unlikely) that your examiner might believe that you should say something, and, b) you have an opportunity here to say something original.
- If you cannot think of anything original to say, then simply saying, "Sure." or "Ok." in answer to the examiner's request and giving him your ID card is adequate.
- More than 80% of IELTS candidates say, "Here you are." (or, "Sure. Here you are.") as they hand over their ID card. There is nothing really wrong with this small sentence – it is suitable and it sounds polite. However, many IELTS candidates in China have learned this sentence from a book but have never actually heard a native speaker say it, even in a recording. The fact is that this small sentence is most frequently used in spoken English and is spoken quite fast and smoothly, with the major stress on the word, 'Here'. If you can say it so that it sounds 'natural', that is, so that the examiner does not immediately think, "That's from an IELTS book!", then it is ok. But my advice is try to find something else to say because it sounds a little too rehearsed and since almost everybody says it, it is so predictable and boring for examiners!
- Some IELTS candidates say, "Of course." or, "Of course. Here you are." I recommend that you do not reply, "Of course" to any of the introduction questions because it sounds somewhat overly polite, formal and unsuitable. (This is my personal opinion, which might not be shared by every other native English speaker or IELTS examiner.) To me, it sounds too much like the language used by service people such as waiters. For example, if you were eating in an expensive, high-class restaurant in London and you said to the waiter, "Could I have a menu, please?", a typical reply from the waiter would be, "Of course, Sir. Here you are." Don't confuse the polite language of a service person, speaking to someone of 'higher status', with the polite language spoken between people of equal status.
- Unfortunately, it is difficult to find something original to say as you hand over your ID card, especially now that most people in China have new ID cards. Before the new cards came into use, some people could have said things such as: "My card's a bit old and tattered. I need to get a new one."; "My hair was long in this picture but that was five years ago."; or, "I look like a child in this picture."
- But if you can find something original and interesting to say about your ID card, consider saying that instead of, "Here you are." as you show your card to the examiner. For example, in some parts of China, ID cards have hanyu pinyin as well as Chinese characters, and if you come from Xinjiang, Tibet or Inner Mongolia, you probably also have some non-Chinese writing on your card.
- You should definitely not use the phrases, "Here you go." or, "There you go." as you hand over your ID card. The reason for this is that these phrases sound too casual and can sound condescending (i.e., speaking down to someone), and are used in situations such as handing an ice-cream to a child or giving money to a beggar.
- Some IELTS candidates say, "Here it is." as they give their ID card to the examiner. This is not a huge mistake but it is unsuitable – native English speakers would not say that in this situation. "Here it is." is more suitable if you were looking for something and then found it.
- For this fourth question, I have advised you more on what you should not say than on what you should say. To sum up, if you can't think of anything original (and interesting) to say, just say a quick, "Sure." as you hand over your ID card.
Final Note
Except for the obvious grammatical errors that I have mentioned here, slightly inappropriate answers will not usually cause you to lose points in the IELTS Speaking test. However, if you frequently give the IELTS examiner a poor impression of your knowledge of suitable English, and a poor impression of your communication skills in this introductory phase of the IELTS Speaking test, it could influence the examiner's judgment. Remember, first impressions are often the strongest.
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KNOXVILLE (WATE) - The City of Knoxville is donating 500 bricks from the McClung Warehouses to Knox Heritage.
City officials say demolition of the last remaining building neared completion Friday. It is being demolished because it is in danger of collapsing after two huge fires at the site, one in 2007 and the other earlier this month.
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Historic Columbia River Highway: The Dalles to Hood River
Elevation Chart
These maps and directions are for planning purposes only. You may find that construction projects, traffic, or other events may cause road conditions to differ from the map results. For travel options, weather and road conditions, visit tripcheck.com, call 511 (in Oregon only), 800.977.6368 or 503.588.2941.
|Start northwest on E 2nd St
|0.1 miles (201 meters)
|Continue northeast on Union St
|0.2 miles (248 meters)
|Turn right at W 1st St
|49 feet (15 meters)
|Turn left on Riverfront Trail
|69 feet (21 meters)
|Head northwest on Riverfront Trail
|0.7 miles (1154 meters)
|Continue northwest on W 1st St
|0.3 miles (525 meters)
|Turn left onto Webber St
|0.3 miles (466 meters)
|Head northwest on W 6th St
|1.1 miles (1786 meters)
|Head southwest on U.S. 30 W/1st Ave
|14 miles (22483 meters)
|Continue northwest on U.S. 30 W/1st Ave
|0.7 miles (1206 meters)
|Continue southwest on 1st Ave
|0.4 miles (715 meters)
|Continue west on Rock Creek Rd
|0.6 miles (1012 meters)
|Continue northwest on Old Columbia River Dr
|5 miles (8098 meters)
|Continue northwest on Old Columbia River Dr
|0.7 miles (1152 meters)
|Continue straight onto U.S. 30 W/E State St (signs for City Center/Interstate 84)
Continue to follow E State St
|0.5 miles (780 meters)
This ride can be ridden equally well from Hood River to The Dalles. Turn left from Salmon Cyclery on 2nd Street in The Dalles. Turn right on Union Street. Cross the Highway 84 underpass, bear left to W. 1st Street. Turn right at River Road. After crossing Highway 84 again, turn right onto Historic Columbia River Highway/Highway 30. You'll climb steeply to Rowena Point and then descend toward Mosier. Bear right on Rock Creek Road on the far side of Mosier. As you begin climbing, turn right onto Old Columbia River Drive at the east entrance to the Mark O. Hatfield Trailhead State Park. The "Twin Tunnel" Road is closed to vehicle traffic, but shared with foot traffic. At the end of the park, you'll make a twisting descent down into Hood River. Turn around to reverse your trip back to The Dalles. Return to Salmon Cyclery. Motorized Vehicle Traffic: None on park trail; otherwise light to moderate Seasons: All
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Magnien is situated in the Cote d'Or (Burgundy region) in the eastern-center of France at 52 km from Dijon, the department capital. (General information: Magnien is 249 km from Paris).
Popular places to visit nearby include Autun at 20 km and Saulieu at 25 km. For more places to visit and local tourist attractions see the map and listings below.
Some places that we or our contributors have visited and reviewed and can recommend close to Magnien. Note that all distances shown are 'direct' and real driving distances will be greater.
... or see ALL recommended places to visit in Cote d'Or
Hover your mouse over photos for navigation buttons
Local markets
Below we show places with official tourist classifications and other places of interest to visit nearby that should provide inspiration if you are visiting Magnien and wondering what to do next! Positions of each of these attractions is shown on the map below.
Grand sites of France Bibracte-Mont Beuvray (37km)
Most beautiful villages in France (see also beautiful French villages) Chateauneuf-en-Auxois (20km)
Regional Natural Parcs Morvan (32km)
Churches or other religious monuments Cathédrale Saint Lazare (Autun) (21km); Basilique de Saint Andoche (Saulieu) (25km); Hospices de Beaune (Beaune) (31km)
Remarkable gardens Parc et jardins du château de Sully (11km); Jardin de la Chaux (23km); Abbaye de la Bussière (25km); Parc et jardin du château de Barbirey sur Ouche (29km); Parc de Saint-Léger (30km)
Protected historical centre (fr: secteur sauvegardé) (see also historical French towns) Autun (20km); Chalon-sur-Saone (47km)
Sites of natural beauty Cirque du Bout du Monde (21km); Bibracte (37km)
Villages in bloom 4* (fr: ville fleurie) Beaune (31km)
Commune: Magnien
Canton: Arnay-le-Duc
Arrondissement: Beaune
Department: Cote d'Or
Region: Burgundy
Postcode: 21230
from Dijon (prefecture): 52 km
from Paris: 249 km
from Calais: 467 km
from Nice: 438 km
from Bordeaux: 462 km
from Strasbourg: 297 km
Magnien is in the eastern-center of France. Most visitors drive from one of the channel ports such as Calais or Dunkirk, a drive of about 6 hours, or fly into one of the Paris airports and hire a car. For driving distances to Magnien from anywhere in France see driving distances and route planner.
We have 7 other places listed nearby (within 6 kilometres of Magnien): Arnay-le-Duc, Jouey, Maligny, Mimeure, Saint-Prix-les-Arnay, Vievy and Voudenay.
This page in French: Visitez Magnien
Not yet a member!? Make more of your visit with your own personal trip planner.
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Mosaic Cafe opened its doors about two weeks ago in the Longfellow neighborhood of Minneapolis, near the intersection of Lake Street and Minnehaha Avenue, after undergoing quite a makeover from its former incarnation, Glacier's Cafe. Everything on the menu is made from scratch in-house (except for ... More >>
Tim Pawlenty: So obscure, it's not even funny.Hey everybody, check it out: Tim Pawlenty came in first place at something. Our former governor took the number-one spot in GQ's list of the top 25 least influential people on planet earth, right up there with Hank Williams Jr., MSNBC's Ed Schul ... More >>
Michele Bachmann has never been known as a great wit or wordsmith, but in a move sure to anger starving authors everywhere, she is shopping a book, according to Ben Smith of Politico.Bachmann ventured to New York to meet with her agent to make arrangements for what is sure to be a thoroughly spel ... More >>
The congresswoman's war against ACORN is largely waged in the press. But down where the rubber meets the road -- the legal system -- ACORN has scored again.
The Star Tribune columnist attempted to wade into the funhouse, only to get lost among the mirrors.
The 2010 Department of Homeland Security Appropriations Act funds a range of programs related to air transportation safety.
Fort Wilson Riot are in fact composing a five-part suite about globalization, Yankee arrogance, mystical birds, pirates, and more than can be here explained, with music sometimes reminiscent of Sondheim and Beethoven, and yes that might be extravagantly ambitious for a four-piece rock band with only ... More >>


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Forget George Lucas — put the UN in the Presidio!
If New York power-brokers hadn't pulled strings, we might not be debating the merits of George Lucas' edifice complex at the Presidio — because San Francisco's former Army post would be home to the United Nations instead. That's the surprising local angle to 2013′s "Capital of the World: The Race to Host the United Nations," […] [Read More]


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Persistent organic pollutants (POPs) are toxic chemicals that accumulate in the fatty tissue of living organisms. High levels of POPs have been found in several fish species caught in North European areas and consequently in fishmeal and fish oil produced from industrial fish and by-products. POPs in fish derive predominantly from their diet and fishmeal and fish oil are the most important sources of these contaminants in fish feed formulations.
POPs relevant for human health include dioxins, PCBs and pesticides. New legislations on the maximum permitted levels in animal feed have been implemented by the European Commission (EC) and to comply the feed compounders are using increasing levels of South Pacific fishmeal and fish oil or non-marine feed ingredients with natural low contamination levels. Although only a minor part of the North European fish oil and fishmeal has content above the maximum levels, the need for decontamination will disfavour the producers on a world basis.
Financial support and collaboration:
The research project DECONTAM is a knowledge-building project with user involvement (KMB project) funded by the Norwegian Research Council under the AQUACULTURE - An industry in growth program in collaboration with the Fishery and Aquaculture Industry Research Fund (FHF) and the industry partners Pronova Biopharma, Marine Harvest and Egersund Sildoljefabrikk.
The project also involves collaboration with the University of Bergen, University of Iceland, Vrie University (Holland) and Biosense Laboratories.
Project description:
The main objectives of the project are to optimize a novel oil-based leaching process to reduce the POPs content in fishmeal without loss of protein quality, and to identify optimal conditions for decontamination of the oil used in the process. The leaching operation is performed by contacting intermediate products (presscake and decanter solids) in the fishmeal process by fish or vegetable oil. The POPs are transferred to the continuous oil phase where it can be removed based on short path distillation or activated carbon adsorption.
Included in the project is also development of a process simulation model to be used as a basis for industrial up-scaling. The leaching process has several advantages compared to the present industrial practise, i.e. removal of the POPs containing oil in the fishmeal by organic solvent (hexane) extraction. This will include the possibility of easy integration in an existing fishmeal processing line, use of a safe and non-flammable extraction medium and lower investment and operation costs.


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Access "Cloud performance monitoring: No one-size-fits-all solution"
This article is part of the April 2011, Vol. 32 issue of Public vs. private: Comparing cloud architectures
Many IT departments are feeling an extraordinary amount of pressure lately to move applications to the cloud. This pressure often comes from those who are anxious to capitalize on the vast savings advertised by cloud service providers. Without proper performance monitoring, though, you may be left in the dust. Although there is no denying that running applications in the cloud can save money -- especially in the form of startup costs -- some organizations are beginning to discover that the cloud experience isn't always all that it's cracked up to be. As cloud technology begins to mature, security and availability become higher priorities. And although cloud performance can be just as important, it is sometimes overlooked. The bottom line is that your users neither know nor care where an application is running. They expect the application to perform just as well in the cloud as it did when it was hosted in your data center. Cloud performance monitoring 101 So how can you ensure adequate cloud performance? This simple question can actually be very difficult to... Access >>>
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Understanding the differences between public and private cloud computing
by Stephen J. Bigelow, WinIT
Companies considering a public or private cloud computing platform have a lot to consider. This tip can help explain the advantages and disadvantages to each.
Cloud performance monitoring: No one-size-fits-all solution
by Brien Posey
Nobody said moving to cloud would be easy. Without a strong cloud performance monitoring strategy, your applications may not fulfill their potential.
- Understanding the differences between public and private cloud computing by Stephen J. Bigelow, WinIT
Virtualized applications: What's your priority?
by Mike Nelson, Contributor
When it comes to virtualizing applications, get your priorities straight. Evaluate ROI and vendor support before deciding which virtualized applications should come first.
- Virtualized applications: What's your priority? by Mike Nelson, Contributor
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Virtualization management challenges
Virtualization admins' top concern is no longer choosing a hypervisor -- it's choosing the right tools that will help with management, improve VM ...
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As virtual machine migrations accelerate, don't get left behind
Workload mobility is a key part of virtualization, and it should continue to get better and become a bigger part of an IT admin's everyday operations...


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My boyfriend and I decided to have dinner at this centrally located restaurant because they offered the daily menu at a low price. The dining area in the patio was quite charming and the waiters were more or less courteous. But these are the only positive points of this restaurant. The consomme soup I ordered was literally a salty liquid... More
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Memos (and feel free to add you own)Posted on May 15th, 2007 – 9:29 PM
By Howard
To: Ramon/Fr: Section 220/Everyone thought you were a great pick-up when you were 3-0 and now we're getting a bit antsy at 3-4. That big-inning thing people talked about, and that you were set on conquering, can you go back and work on that? Six runs in the first tonight, four runs in the first in your last start. I noticed that you didn't throw anything inside during your Inning of Hell at the Jake. Throwing inside. Remember. That was one of the things we were liking about you a few weeks back.
To: Jesse/Fr. Section 220/You gotta be able to get through an inning of mop-up without giving up six runs. I don't care that Punto made an error and the runs were unearned. That was lame.
To: Garrett/Fr: Section 220/How does the pitching staff at Rochester compare to what you saw in your Twins debut? Just curious.
To: Justin/Fr: Section 220/That's a nice stroke for a guy with a puffy nose.
To: JasonT/Fr: Section 220/You're 2 for 21 going back a couple of weeks. Stop looking at the right-field wall when you come to the plate. It's not gonna happen.
To: JasonK/Fr: Section 220/Keep swinging like that and I'll take it back.
To KevinS/Fr. Section 220/Nice work beating Richmond tonight. So you have a 1.46 ERA. Can you be in Milwaukee this weekend?
To: Commenters/Fr: Section 220/Have a memo to a player? Post it below. You know they all read this stuff.


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Chase Tower, located in the Chicago Loop area of Chicago at 10 South Dearborn Street, is a 60 story skyscraper completed in 1969. At 850 feet (259 m) tall, it is the tenth tallest building in Chicago, the tallest building inside the Chicago 'L' Loop elevated tracks, and the 32nd tallest in the United States. CHASE Bank has its U.S. and Canada commercial and retail banking headquarters here. The building is also the headquarters of Exelon. The building and its plaza (known as Exelon Plaza) occupy the entire block bounded by Clark, Dearborn, Madison, and Monroe Streets.
The building formerly had the headquarters of the Bank One Corporation. The building's name was changed from Bank One Tower on October 24, 2005, as a result of a corporate merger. Earlier, the building and plaza were called First National Plaza; when constructed, it was home to the First National Bank of Chicago.
Since May 2005 the National Public Radio show Wait Wait... Don't Tell Me! is taped on Thursday nights before a live audience at the Chase Auditorium in the building.
Design architects for the construction were C.F. Murphy Associates and Perkins and Will. Chase Tower is known for both its distinctive curving shape and its vibrant public space: a deep sunken plaza at the geographic center of the Chicago Loop, complete with a jet fountain and Marc Chagall's ceramic wall mural Four Seasons.


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In addition to its durable two-way players, North Miami Beach's football team has been known for its aversion to kicking extra points and field goals.
A year after a 0-10 season, the Chargers have changed their attitude toward kicking.
And Thursday night, it paid off when kicker Christian Mercado booted an 18-yard field goal in overtime to lift the Chargers to a postseason-clinching 31-28 victory over rival North Miami at North Miami Stadium.
The field goal set off a wild celebration for NMB (4-4, 2-1) that came even before it knew the full scope of its accomplishment.
Coupled with Krop's victory over Hialeah on Thursday night, the Chargers clinched the District 13-8A championship — their second in three seasons. Krop (5-3, 2-1) clinched the runner-up spot in the district, eliminating Hialeah (4-4, 1-2) and North Miami (3-5, 1-2), which was denied what would have been its first berth in the playoffs since 1999.
The loss also spoiled a stellar effort by North Miami running back Charles Romane, who finished with an impressive 235 yards on 25 carries and scored all four Pioneer touchdowns.
But his final touchdown tied the score at 28 after the first overtime possession, and NMB's defense forced its fifth turnover of the game on an interception to stop North Miami on its second overtime possession and set up Mercado's game-winner.
Mercado's boot propelled the Chargers back to the playoffs after a one-year absence, and came on a fourth down from the North Miami 1-yard line where NMB coach Jeff Bertani had to choose whether or not to trust his kicker.
During the majority of an 11-year span that included nine playoff appearances, including two regional finals and one state semifinal, NMB would exclusively go for two-point conversions or run standard plays on fourth down.
That changed with Mercado's addition to the team this season.
"On a kick, wow, who would have thought?" North Miami Beach coach Jeff Bertani said.
"I wanted to go for it on the last play, but the kids wanted to kick it. I listened to my kids.
"[Mercado] tried out before the season and showed he could do the job, and he earned it."
Steve Ishmael's performance was more typical of NMB's brand of football.
Ishmael caught five passes for 63 yards and a 9-yard touchdown on NMB's first overtime possession.
But Ishmael's three timely interceptions prevented North Miami from ever taking the lead despite tying the score four times.
While Romane kept answering every NMB score, running back Freddy Leroy countered for the Chargers with 36 carries for 188 yards and a touchdown.
"I'm feeling real good because we knew we had to grind it out and work hard all offseason to get back to this point," Ishmael said. "The biggest difference is that we don't worry about individual play. We worry about giving team effort on every play."
• Killian 51, Palmetto 12: Miguel Andrillon rushed for 111 yards and two scores and Killian (7-1, 3-1) finished its regular-season slate of district opponents in dominant fashion with a blowout of rival Palmetto (4-6, 0-4) at Tropical Park.
Andrillon took an inside handoff from quarterback David Felipe (three completions in four attempts for 75 yards and one touchdown) and ran 63 yards to the end zone on the Cougars' first play from scrimmage.
He would later score again and force a safety by blocking a Panthers punt and making a tackle in Killian's end zone.
"This is the Miguel we've been waiting on for two years," said Killian coach Cory Johnson. "He works his tail off and it all came together tonight."
The offensive outburst for the Cougars came mostly on the ground, as the Panthers were unable to stop the duo of tailbacks Andrillon and Henry Jones (58 yards on 11 carries).
Panther quarterback Christopher Scholz passed for 137 yards and two scores but suffered three interceptions at key moments in the game.
• Ransom 41, St. Andrews 12: The Ransom Everglades Raiders (4-5) cruised past the Saint Andrews Scots (1-8) at Ransom.
Quarterback Eduardo Garcia led the aerial attack for the Raiders, throwing for 343 yards and four touchdowns while completing 14 of his 24 pass attempts. Garcia's main target of the night was receiver Noah Russin who caught seven passes for 192 yards and two touchdowns. Royce Rose also added 46 yards on two receptions along with a touchdown. Max Van Wellegham also had a touchdown along with 79 yards on four receptions.
Alexander Schneider scored both touchdowns for the Scots when he returned a fumble 40 yards on a bad snap on the Raiders' first drive of the game and caught a 40 yard touchdown pass from Dylan Richman early in the fourth quarter, giving the Scots their only offensive score of the game.
• Pine Crest 31, Florida Christian 14: The Pine Crest Panthers stopped all hope for a fourth-quarter Florida Christian comeback with strong defense and late scoring to secure a quarterfinal win on the road.
"They're a real good running football team and the big thing was to stop the run," Pine Crest coach Jim Pletcher said.
"We had a big fourth-down defensive stop which took the momentum away from them. Offensively we did what we needed to do and moved the ball so it's a good win for us."
Panthers running back Trevor Osceola led the offensive with two touchdowns on 186 rushing yards.
In the losing effort for Florida Christian, quarterback JJ Burmeister had two touchdowns — one on rushing and one passing — and threw for 162 yards.


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'The Silver Mage' by Katharine Kerr
The last book in the 'Deverry cycle'. A new timeline story from before the founding of deverry. While interesting, it felt a little out of place to be in the last book. Doesn't really feel related to the main story. The main story is concluded satisfactory though, so overall happy with the book.
Rated 9/10 on 2012-07-02


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I am still shaking my head. Maybe it's just me but that seems ridiculously high. I am a heavy Internet user. I spend considerable hours everyday on the computer researching etc, etc but I come nowhere near watching 5 video clips per day. I admit I probably have the TV on too much so maybe being online is a vacation of sorts with regard to watching video. I don't know. Am I just a really low user of online video content?
Take a look at the comScore chart below to see how just how dominant Google (which is 99% YouTube in this case) is in this space as well.
So help me here. If you fall in line with these numbers, meaning you are a profile match to the just over 5 videos viewed per day type, what is it that you are watching? Of course, this is rated PG blog for the most part so anything deviant just keep to yourself and continue seeking help but please don't share it here.
In fact, let's take a look at a specific type of video viewing. Let's keep it to marketing / advertising / product related videos. As marketers we need to be careful not to just look at this large number and automatically assume that everyone is watching videos about products or something that is related to our work. I have learned to never underestimate the power and allure of "stupid human tricks" video viewing which could simply be an escape mechanism for people at their desks who can't wait to get out of the office.
What if the percentage of videos viewed that relate to marketing functions is just a small fraction of the total audience? That would be the number that we should be paying close attention to and not chase video's version of a shiny object that will end up eating up valuable time and resources.
Thanks for stopping by and we look forward to hearing from you.


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Harrisburg, Pennsylvania, Motorcycle Accidents Attorneys
Motorcycle accidents usually result in serious injuries, often leaving the victim with a limited ability to manage day-to-day tasks, unable to work, or even in desperate need of long-term medical care. At Shaffer & Engle Law Offices, LLC, our attorneys understand that these losses are physical, emotional and financial. We will take a comprehensive approach to assess your needs to maximize compensation in your case, including lost wages, pain and suffering, long-term care needs, and medical expenses.
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Even if you do not know whether you should pursue legal action, you should contact an attorney to preserve your rights and claims. Call now for a no-obligation, free consultation with our lawyers.
We are experienced with motorcycle accident claims involving:
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- "Don't be afraid to call us. We will answer any questions and provide you with the compassionate, dedicated representation you need."
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Motorcycle accident cases can be more difficult to win because juries and insurance carriers tend to at least partially blame cyclists for their own injuries. Our firm knows how to take on large insurance companies and aggressively assert your rights in court. We are skilled in litigating all aspects of motorcycle injury claims and will take all necessary steps to prepare for litigation and trial. With over 65 years of combined experience, our attorneys have thousands of hours of courtroom experience under our belts.
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Many victims of motorcycle accidents will suffer devastating and permanent injuries, including paralysis, closed head injuries and other disabilities. We take a comprehensive approach to our personal injury practice, making sure that victims and their families receive the financial compensation they need and deserve, both now and into the future. Our attorneys will assert your right to coverage for medical bills, pain and suffering, lost wages and long-term care needs. Contact us for more information regarding your case or claim.
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Contact Shaffer & Engle for an immediate consultation or case evaluation with an experienced Harrisburg, Pennsylvania, lawyer. We provide comprehensive, responsive legal services to maximize compensation for your injuries. Call today toll-free: 866-765-0706 .


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Want to remind yourself or a friend about this program? Fill out this simple form and klru will email you a reminder on the day that it will air.
The Best Little Art House In Texas
series: Arts In Context
air date: 9/25/14 7:30 PM
A group of passionate fans work to preserve the love of film and arthouse movie theaters. There is only a handful of cities around the country where film lovers and filmmakers are partnering to maintain and rehabilitate movie going experience. In Austin, TX The Austin Film Society has set up to create the best little art house in Texas to help foster the next generation of film lovers. By providing Austin with an art house theater dedicated solely to classic, independent, and new art house film programming, the Austin Film Society is ensuring the future of the Austin film community. Central to this endeavor is Lars Nilsen, the "superstar film programmer" that helped build the Alamo Drafthouse into a runaway success. But what is an art house? We going on a journey to find out and to learn what others are doing.
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St. Louis • Jonathan Toews caught the St. Louis Blues' defense napping after the Chicago Blackhawks got a lucky carom.
Just like that, the puck was in the net and the defending Stanley Cup champions were in command of the first-round series.
NHL playoffsFriday
Philadelphia 2,N.Y. Rangers 1
Series tied 2-2
Chicago 3, St. Louis 2 (OT)
Blackhawks lead series 3-2
Dallas vs. Anaheim, late
Series tied 2-2
Detroit at Boston, 1 p.m., Ch. 5
Bruins lead series 3-1
Columbus at Pittsburgh,5 p.m., NBCSN
Series tied 2-2
» Minnesota at Colorado, 7:30 p.m., NBCSN
Series tied 2-2
» Los Angeles at San Jose, 8 p.m., CNBC
Sharks lead series 3-1
|Join the Discussion
|Post a Comment
"I wasn't even sure where their D-men were," Toews said after scoring at 7:36 of overtime to give the Blackhawks a 3-2 victory Friday night and a 3-2 series lead. "Just got going as fast as I could. Take advantage of a chance."
Blackhawks goalie Corey Crawford stopped a shot by David Backes, defenseman Duncan Keith cleared the puck and the rebound deflected off Andrew Shaw's shin pad all the way to the Chicago captain alone at center ice off a change. Toews sped in with two defensemen in futile pursuit and threw a few fakes at goalie Ryan Miller before slipping a backhander into the net.
"I was just saying to some of the guys in the other room, I'm trying to get the puck out of the zone and all of a sudden it lands on his stick," Keith said. "Couldn't believe it. So, I was pretty happy seeing that."
St. Louis defenseman Roman Polak saw Toews coming off the bench but reasoned that the Blues had control, so he left the ice about the same time Backes was shooting. Replacement Jay Bouwmeester never had a chance and Toews also got behind Jordan Leopold.
"It was a lucky bounce or something," Polak said. "It was just a lucky bounce."
Marian Hossa and Ben Smith also scored for the Blackhawks, who have won three in a row and can wrap up the first-round series at home Sunday. Four of the first five games in the series have gone to overtime.
"I think we got lucky on that winning goal, but I don't think that at the end of the day we win because of luck," Keith said. "I think both teams have a lot of fire and grit and a lot of determination, and it's a fine line between winning and losing.
"Like I've said a few times, we're going to need our best game of the year our next game."
Flyers 2, Rangers 1 • In Philadelphia, Steve Mason stopped 37 shots in his first start of the series, Matt Read and Jakub Voracek scored and Philadelphia beat New York to tie the first-round matchup 2-2.
Ray Emery started the first three games for Mason, who was out with an upper-body injury. Mason played the final 7:15 in a 4-1 loss Tuesday night.
Dominic Moore scored for the Rangers.
Game 5 is Sunday in New York.
Copyright 2014 The Salt Lake Tribune. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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BODY FIRSTEchinacea (400mg)
100 caps
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Kids get exposed to a lot of germs every day, especially at school. Wouldn't you like to help them fight off potential colds in a way that they'll actually enjoy? Here's the kid friendly solution: Yummi Bears Echinacea plus Vitamin C and Zinc. Its nature's most immune boosting herbs in a fun and tasty treat. Echinacea is valued for increasing the body's own natural immune defenses; lessening cold symptoms and helping them end sooner.The other nutrients, Zinc and Vitamin C, also strengthen the immune system and are both commonly used to fight colds on their own. This powerful blend is most effective as a temporary boost, starting as soon as your child as soon as symptoms appear, and can be taken for 7 to 10 days. Yummi Bears Echinacea plus Vitamin C and Zinc is safe for most people with allergies, and is perfect to combine with other Yummi Bears products to keep your kids healthy and strong.
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December 2007
New Ownership of Heiden, Inc.
Manitowoc, WI - Matthew and Karen Jacobson have purchased Heiden, Inc. from their father, William Jacobson, effective June 1st 2007.
Matt Jacobson, who has worked at the metal fabrication company in various positions since 1998, has majority ownership and will assume the role of President and CFO. He is a 1986 graduate of The College of Wooster and has an MBA from Marquette University. Prior to joining Heiden, he worked for 10 years in the Reinsurance industry and was based in Chicago.
Karen Jacobson joined the firm in 2006. A graduate of Saint Lawrence University with a Bachelor's degree in Economics, she assumes the role of Vice-President, Sales, Marketing & Administration. Previously, she was Senior Vice-President at AIG in New York.
The rest of the management team will remain the same. William Jacobson, who purchased the company in 1995, has retired to South Carolina but remains on the Board.
The Jacobson's said the focus of the company going forward will remain largely unchanged. However, new emphasis will be placed on manpower development. This will come in the form of added training, education and increased communication throughout the company. Matt Jacobson said ''we have a fantastic group of experienced, highly skilled and dedicated employees at Heiden, Inc." He said the new ownership is proud of their employees' work ethic and are confident the company will be able to rise to the challenges they face in a highly competitive environment. "We will continue to pursue and implement lean manufacturing initiatives, and are working towards ISO certification by year's end".
Founded in 1958, Heiden's 60 employees specialize in steel, stainless steel, aluminum welding, forming and fabrication, serving a wide range of industries throughout the country. The company also manufactures its own line of crane truck attachments, serving the roofing, trash, logging and construction industries.


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Solutions on the Horizon
Company finance directors must feel victimized. Constrained by ever-growing liabilities on the balance sheet and a volatile pension asset portfolio, they often find themselves on the wrong side of the window when it comes to securing their retirees' benefits. Changing interest rates, rising inflation, and ever-increasing allowances for longevity mean that the liabilities are often a fast-moving target. Throw in a worsening economic environment, and keeping apace is complicated by potentially thorny negotiations with trustees and retirees for additional injections.
So how are trustees and sponsors to manage these new, troubling risks? It's hard enough to judge market returns over the next few years, without crystal ball gazing to estimate the lifespan of all the scheme members under your responsibility—past, present, and future.
The answer today is that it is largely a dark art. The current trend is unlikely to be your friend here; longevity improvements have repeatedly defied the hopeful shackles of successive actuarial models, despite the most Orwellian filtering of data by job, medical history, and even postcode. The latest models—even if true—give scant comfort. For example, by 2050 a 65-year-old UK male might live to be between 86 and 97 years old, up from 83 today.
However, there are options. Like any other risk, these uncertainties can be managed, and even reduced, once understood. The key is to have a proactive and realistic approach to the risks that are being carried on the balance sheet. Sponsors need to engage actively with trustees and walk a fine line between investors' expectations and the funding needs for the pension scheme.
Unique solutions are now appearing in the market. A whole industry has now sprung up in the United Kingdom offering full insurance buyouts, where the pension liabilities are transferred away to dedicated specialists. This can often improve the situation for pension scheme members, as these specialist insurers are tightly regulated, operate within strict investment and asset/liability guidelines, and have to hold capital against any extreme losses.
It also helps troubled sponsors: Securing pension liabilities away from balance sheets improves their ability to raise finance, and removes the situation where, in a falling equity market with a commensurate fall in the valuation of a scheme's assets, a sponsor looking to invest in the business might also find trustees coming cap in hand. Above all, it enables management to get on with running the business, free from the peripheral distractions of administering a pension scheme.
However, insurance buyout valuations use more cautious longevity assumptions and paint a truer picture of the hidden arrears, increasing the liabilities and the premiums required significantly. Like customers outside a Ferrari showroom peering in through the window, it is simply unaffordable for many companies and not available in many countries.
But there are alternatives to help transfer risk. Schemes can execute partial buyouts for some of their liabilities, such as current pensioners. If that overshoots the budget and the deficit is still too large, or the options are not available in your jurisdiction, there are now innovative corporate solutions to help transfer risk, ranging from taking on the entire scheme and its myriad liabilities, to specific solutions for specific risks.
For example, trustees and sponsors can implement bond or swap-based hedging strategies to nullify the impact of interest rates and inflation on their liabilities, and thereby on the balance sheet. There is even a growing market in longevity swaps, allowing people also to hedge this idiosyncratic risk. Although they introduce new risks in lieu, such as the health of the counterparties on the other side of the swap, these steps are cost-effective and can ensure that the larger part of a scheme's risk—its volatile liabilities—is better constrained, while precious assets are freed up to invest in assets with higher returns.
Another alternative is to delegate the holistic management of all the scheme's assets and liabilities to a third-party fiduciary manager, who will manage them on a real-time basis within tight guidelines agreed with the trustees. These specialists will typically hedge all the liabilities where possible and diversify the assets among a range of best of breed providers. This ensures that the funding position is improved, and its ultimate targets, such as a full buyout, are reached in an efficient and structured manner. The asset/liability management approach has proved popular in countries such as The Netherlands, where it has significantly improved funding positions.
It's a rapidly evolving environment, and, with new solutions appearing fast, corporate sponsors can be hopeful of finding innovative ways of managing these new risks on their horizon. Most importantly, they can go back to finding and building businesses—not reading horoscopes.
- Page 4 of 4
- Previous section Muddy Waters


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Please download Flash from the Adobe download website.
In cinemas November 7.
Based on the true story of six Americans trapped in Iran during the revolution, and the CIA's plan to rescue them - sending a film crew with Hollywood backing, locating the six, and returning with them as part of the crew. Starring Ben Affleck, Bryan Cranston and John Goodman.


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Categories > Celebrities > My Chemical Romance > My Best Friends Sister
Chapter 280 Reviews
Charlie apologises to Ray. Romy apologises to Kerri.
So me and Ray are no longer together. It sounds harsh but to be honest, I don't really care. But it seems like everybody hates me and I don't think it's very fair. I mean Frank used Jamia to make Jenna jealous but no one cares. Now I've basically done the same thing and everybody hates me but loves Frank and Jenna.
I've gotten friendly with Romy recently because she understands what I'm going through. It's nice to have a friend but now people hate us even more. Everyone thinks we're both bitches and that we do nothing but slag people off behind their backs or plan to ruin people's lives. But they don't understand that we just made a mistake. They must've made mistakes before, right?
"Do you ever feel guilty about Tatiana?" Romy asked me one lunch time. We were sitting by ourselves, as usual.
I shrugged "Not really. I didn't do anything to her but I do feel kind of bad to Ray. He didn't deserve it. Do you ever feel guilty about Kerri?"
"All the time," She mumbled "I've tried apologising bu-"
"Yeah, to Mikey." I told her "Did you try apologising to Kerri?"
Romy shook her head "I couldn't. Shed kill me. After what I did…"
"You could at least try?"
"I just can't." Romy was still shaking her head and tears were dripping from her eyes "What I did was terrible… But it's like the only bad thing that I've ever done. And that was the only bad thing you've done. How come an entire life of good deeds is suddenly erased by one bad thing?"
I shrugged "I don't know, not many people are good at letting things go…"
"I might try apologising to Kerri." Romy muttered "I don't think she'll forgive me but it's worth giving it a go…"
"When?" I asked her.
She looked up at Kerri who seemed to be making her way over to the bathroom by herself "Now." Romy told me, getting up from her seat and following her away.
I started thinking. I don't think I'd even apologised to Ray. I mean I'd explained everything to him and told him the truth and all of that. But I think I walked off before I had the chance to say sorry. I don't think I turned back either to see his expression.
I've never considered what it's like to be Ray. I mean he'd been used twice. First Romy did it because Gerard asked her too. And then I used him to get to Gerard which didn't work as well as I thought it would work. I might hate the fact that Gerard is with Tatiana but I'd hate it even more if Gerard and Tatiana broke up and he got with me only to make Tatiana jealous. And what if I dyed my hair a different colour and people teased me for it? Though he did look a little like Ronald McDonald…
I looked up and saw Ray eating lunch by himself. Today he was wearing his beanie hat, probably to cover up his red Ronald McDonald hair. I instantly felt guilty and knew that I had to go and talk to him.
Completely scared, I got up off my seat and went to sit down next to him. He didn't even look up, making me blush pink "Hey Ray…" He still didn't look at me "Is everything okay?"
He ignored me. I sighed heavily "Okay, I know you're pissed off at me but please don't blank me out? I really like you but just not as a boyfriend…"
"So why did you go out with me?" He snapped "Why did you use me? Why does everybody just use me? Why can't somebody just like me?"
"Somebody does!" I told him "I don't know who but there's someone out there for everyone, right? And I was wrong to use you, I know that but I wasn't thinking at the time. Well I was but I thought something really weird. I thought that maybe if I had a boyfriend that I'd be able to get over Gerard and fall in love with whomever I chose to go out with."
"Oh great," Ray said sarcastically "I wasn't even specifically chosen to be used, I was just the first person available that popped up in your phonebook?" I shifted uncomfortably in my seat "Oh my god, I was!"
"Ray, like I said, I'm really sorry! You were so sweet to me and I was terrible to you. I'll never be able to forgive myself for that. But please I need you to forgive me!"
He turned to face me "Okay I forgive you Charlie. But I can't be your friend anymore. I'm really sorry."
"Ray, please-"
"I'm sorry." He sniffed "I don't like being used. I really want someone who likes me but how am I supposed to know? I mean I thought you really liked me but I was wrong. How am I supposed to tell the difference? Have I got to be insecure about girls for the rest of my life?"
I put my hand on his shoulder "Nobody will use you again. I'll make sure of that, right?"
Ray nodded and burst into tears. He put his head in his hands and rested it against the table. I rubbed my hand up and down his back.
Romy's POV…
"Kerri?" I called, entering the toilets "Kerri, are you in here?" She ignored me "Kerri I know you're in here because I watched you walk in."
"Just leave me alone!"
"No!" I cried "I was talking to Charlie and she made me realise. I apologised to Mikey but I forgot to apologise to you."
"It doesn't matter if you apologise," Kerri told me, walking out of the cubicle and washing her hands "You can't take back what you did."
"I've tried," I whispered "Yesterday someone said something mean about that picture I put on the bulletin board. I stood up for you and I will continue standing up for you whether you forgive me or not."
Kerri sniffed and turned to look at me "I know we've always kind of disliked each other but what made you do it?"
I glanced down at the floor and told her "I'm jealous. It's why I kept blackmailing you. I wanted more time with Mikey because… Because I'm in love with him."
Kerri blinked at me and said "Look, I forgive you. But please, just back off. I really like Mikey and you don't know how insecure I have been recently. I'm terrified of everything. Everybody's making fun of me and they've started calling Mikey things to. I'm scared that he's going to dump me and he's the last good thing in my life. Me and my family are really poor, my Mom… My Mom…"
"What about her?"
Kerri sniffed "She's not going to make it okay? We got the surgery and even the Doctor said that she hadn't re-acted well to it. I just know she's going to die!"
She burst into tears. I stood there horrified, not knowing what to do. I was hoping to come here and feel less guilty about what I'd done but now I felt so guilty… I'd never escape from this.
I put my arms round her "Kerri, I am so sorry. I should never have posted your picture up. I knew you were paying for your Moms surgery but I just wanted to make you feel rejected. As rejected as I felt when Mikey first started going out with Mikey."
She looked up at me "I didn't know you liked Mikey, okay? I've done nothing to you. My intentions were totally innocent while yours were to ruin my life. Thanks a lot."
Then she stormed out of the bathroom.


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And then, suddenly, it's morning, and Artie wakes up and staggers back into the house.
Diet Tony is also awake, suffering through a silent breakfast while his mother watches a TV show about tenderizing meat. Always with the subtext on this show. Cut to Frankie Valli, getting a call, and Diet Tony glumly announces that he's in.
Das Sopranohaus. Tony is awake and pulling on his clothes, but before leaving, he does at least make an effort to see if Carmela is awake. In what may actually be a first for televised entertainment, she completely fails open her eyes once he's gone and reveal that she was awake the whole time.
And then, finally, we end our evening in a whorehouse. It seems somehow appropriate, don't you think? The hottest hooker in all of New Jersey (which pretty much just means that she still has all her teeth) is coming off her shift just as Joey Peeps is collecting for the week, and a wink and a smile from Joe is all it takes to convince her to leave with him. That will soon prove to be the worst decision of her life, but not for the reasons you might expect. As soon as they both get into Joey's car, Diet Tony suddenly appears and starts knocking on the window. Joey rolls it down to see what's up, and DT immediately whips out a gun and kills them both. Unfortunately, however, Joey had already disengaged the parking brake, so the car rolls forward and over Diet Tony's foot. Heh. This guy can't win for losing, can he? And as Diet Tony limps back to his car, and the music kicks up on the soundtrack, and a camera dolly rolls down the sidewalk, we fade to black, secure in the knowledge that bikinis and mob hits are always more fun than horses and cry-babies.


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dtaylor944 Wrote:
Mar 11, 2013 10:52 AM
To me this seems trivial. We have a government of representatives that can not balance a check book. I don't have any idea what they can do. The thing is they are not the first to have such a poor showing. they are elected to represent their people but only go for power and money and nothing for the people other than a giant step back. We have had so many steps back it has finaly reached critical stage. ss & md should have been fixed years ago.


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Scholarly Activities
Dr. Donna Woolard continues to expand her expertise in the professional preparation of physical education teachers. She serves as a consultant to the Educational Testing Service in its development of the Praxis II Physical Education Exams. Dr. Woolard has teamed with the department's former chair, Dr. William Freeman, to make several national presentations at the Association for Kinesiology and Physical Education in Higher Education's national conference. Dr. Freeman and Dr. Woolard continue their collaboration conducting and presenting research into the nation's nomenclature of departments and programs in physical education, exercise science, and kinesiology.
Dr. Woolard is an active member of the American Alliance for Health, Physical Education, Recreation and Dance (AAHPERD) and the North Carolina Alliance for Athletics, Health, Physical Education, Recreation and Dance (NCAAHPERD). In fact, Dr. Woolard has served on the Executive Board of NCAAHPERD for more than a dozen years, earning the Alliance's Service Award in 2003, serving as President of NCAAHPERD in 2007, and ultimate rewarded with the Alliance's highest honor, the Honor Award in 2009.
Ms. Catherine Simonson is active in the National Athletic Trainers' Association (NATA) and the North Carolina Athletic Trainers' Association (NCATA) and serves as a peer reviewer for the NATA Educational Council.
Dr. Jennifer Bunn is a successful researcher and author with articles in respected journals such as Respiratory Care and Nutrition Journal. As an active member of the American College of Sports Medicine (ACSM), last spring she made presentations at both the Southeast Regional and national ACSM conferences.


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South 17th Street & Spruce Street has a Walk Score of 100 out of 100. This location is a Walker's Paradise so daily errands do not require a car.
This location is in the Center City West neighborhood in Philadelphia. Nearby parks include Rittenhouse Square, Rittenhouse Square and 1705 Rodman St. Park.
Nearby schools include City Center Academy, Independence Charter School and Western Learning Center.
The closest grocery stores are Great Scot Rittenhouse Market, Pure Sweets and Spruce Food Market.
Nearby coffee shops include Plenty Café, La Viola West and Monk's Cafe. Nearby restaurants include La Fontana Della Citta, Grill Master and Branzino Italian Ristorante.
South 17th Street & Spruce Street is near Curtis Institute of Music, Peirce College and University of the Arts.
There are excellent bike lanes and the terrain is flat as a pancake. South 17th Street & Spruce Street is a Biker's Paradise, daily errands can be accomplished on a bike.


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Updated: May 3, 2013 12:14PM
Originally published: August 1, 2005
What will your children remember about you? Is it the money or stocks or real estate you plan to leave to them? Or is your legacy the ways you have taught your children -- and the examples you have set -- when it comes to morality, ethics, faith and religion? A new study by Allianz Life Insurance Co. says those personal issues are 10 times more important to both baby boomers and their elders than any financial legacy.
With $7.2 trillion in wealth about to be handed to the baby boomer generation from their parents, that's not a trivial issue. Of course, most of that financial legacy will be given by wealthy parents to children who are already financially secure. In fact, 30 percent of the wealth bequeathed to the boomer generation will go to 1 percent of the population.
But does money really matter most? Not according to this survey.
Character does count
Passing along "values and life lessons" was considered by 75 percent of those surveyed to be the most important legacy for both generations. That percentage held true for wealthy families as well as those families who may find the elder generation outliving their money.
So have you taken the time to talk with your adult parents -- or children -- about what's really most important?
In past columns and in my books I've written about the importance of having "the talk" between generations. It's certainly important to make sure your adult parents have an estate plan -- a revocable living trust, healthcare power of attorney, and living will. And it's important that adult children have these same financial documents.
Yet it's hard to initiate the discussion without seeming greedy, morbid or intruding. There's just no right occasion that calls for everyone to be in the mood to discuss estate planning.
Futurist and aging expert Ken Dychtwald, president of AgeWave.com, consulted on this study, and he has some advice on the issue of "the talk." Dychtwald notes that the survey showed families want to focus on the memories, lessons and values transferred between generations. And he suggests that's the way to get the talk started.
"If you ask your parents or in-laws to sit down with a pen and paper, and list how they're planning to divide their estate, and go through a checklist of estate planning documents the atmosphere is likely to turn frigid," he notes. "But sit down with a video camera and ask them to tell the story of their life, and you'll get a far warmer response."
What a great way to get the process started!
Dychtwald says that the term "legacy" as opposed to "estate" opens up a new sense of how one lives and wants to be remembered, as opposed to focusing on physical assets to be left behind.
Some other interesting results of the survey:
*68 percent of boomers -- and 71 percent of their parents' generation -- say they have a high level of comfort discussing legacy and inheritance. Yet only about 30 percent of elders and boomers have actually had a thorough discussion.
*Those in the elder generation are twice as likely as boomers to view inheritance as a source of power: the "hand from the grave" concept of structuring their estate to either reward past behavior or create an incentive for future behaviors.
*Nearly half of elders with more than one child say they know that one of their children (dubbed the "Alpha Child" by the study) is more able to lead the discussion, handle the estate issues, and keep the family connected. When individual boomers were asked about this concept, they over-estimated, by a factor of four, that they were the Alpha Child -- suggesting that more communication is needed!
Qualities of a legacy adviser
Finally, the Allianz survey asked participants for the top qualities they look for in a "legacy adviser."
Financial knowledge and investment abilities took a back seat to qualities like honesty, trustworthiness, compassion, a good listener and a clear communicator.
So here's your opportunity to approach estate planning from a different direction. Grab that video camera or tape recorder, and sit down for a quiet little interview of your parents or grandparents.
The lessons you'll learn are priceless. And maybe it will encourage them to think more about the legacy -- personal and financial -- that they will leave behind. That's The Savage Truth.
Terry Savage is a registered investment adviser. Distributed by Creators Syndicate.


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Black Tie Party Kit for 50
Black Tie Party Kit For 50
NYABLT Hurry, only 4 in stock!
In Stock - 1 business day processing+shipping
Sale Price: $83.99 kit
Was $119.99, You save 30%
Great looking New Year's party wearables in black, white and silver!
This Black Tie Party Kit for 50 includes New Year's party wearables for guests of all ages. Each New Years Black Tie Kit for 50:
- 25 - full size curved brim top hats
- 25 - Happy New Year plume tiaras
- 50 - black foil horns with white fringe
- 25 - silver metallic beaded necklaces
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