text:
6 Steps for Protecting Your Money
For those of you keeping score at home, it's halftime in the economic contest that is 2010, and the home team is taking it on the chin. The total stock market is down more than 6 percent, oil continues to spew into the Gulf of Mexico, and unemployment hovers just below double digits. Little surprise that consumer confidence and house prices seem to be racing each other down hill. At the midpoint of this rocky year, it's time to examine your finances and check your investment goals.
Consider this your locker-room pep talk. We're going to skip the inspirational platitudes - economic security is its own reward - and go straight to the game plan. Here's how to grab hold of the things you can control and best prepare for the things you can't.
Cash Flow
While it's tempting to focus on your investment portfolio, and the riches you hope to earn, you'll do yourself a favor by starting with the basics: How's your cash flow? It doesn't matter how much money you earn, cash flow is the foundation upon which the rest of your financial planning is built. Keeping an eye on the money coming in and out of your household can help determine what's available to fund various goals, including debt pay-down; college funding and retirement planning. And remember the mundane, but powerful, truth about building wealth: The only way to do it is to have more money coming in than going out.
• Track expenses: Whether you use software, a legal pad, or a cocktail napkin isn't important, but you need to create some system to track your money. No groaning - this is a 90-day exercise, and it begins today. Start with your take-home pay and add any miscellaneous income. Then enter your fixed expenses, such as mortgage or rent, insurance, and taxes. Next step, list variable expenses like utilities, food and entertainment. To nail down where that discretionary money goes (no, it doesn't vanish with your left sock in the laundry) during this three-month period, keep the receipts from every single purchase and put them in a box next to your computer. Each month as you pay bills, identify those expenses that recur and create new categories as necessary. Estimate the cost of extras such as vacations, and add those to the expense side of the ledger. After three months, you should have a good understanding of your overhead and be ready to identify the areas that are ripe for trimming.
• Audit yourself: Once you've got a handle on the expenses, now's the time to comb through and determine whether you can find additional discretionary funds that you can divert from say, dining out, to additional retirement saving or college funding.
Estate Planning
Didn't you swear you were going to finally see a lawyer to draft or update your will and any other estate documents? We are in limbo-land when it comes to estate taxes, but you can always update your plan when Congress gets off its keister and fixes that problem. Here's your quick estate to-do list:
• Hire a lawyer: Complete a will (including guardianship instructions), establish power of attorney and prepare a health care proxy.
• Protect your assets: Consider having your attorney set up a revocable trust. This will shelter your unified tax credit against federal estate and gift taxes if your total estate is greater than $3.5 million. Regardless of the size of your estate, a revocable trust may be advisable if you wish to exert greater control over the disposition of your assets. Revocable trust assets are not subject to probate.
• Dodge future taxes: Consider putting life insurance into an irrevocable life insurance trust if your estate (including insurance proceeds) is greater than $3.5 million.
• Make copies: It sounds obvious, but don't forget to put all documents in a safe place and provide copies to your executor or trustee.
Read More by Jill Schlesinger in our EconWatch Blog
Nothing can sink a family's finances faster than being under-insured.
• Life: Make sure that you have adequate coverage for life (for most people a term policy is better than universal). The only way to get an accurate number for how much insurance you need is to use an online calculator. You'll need that cash flow number (see above) for the exercise, as well as current savings, investment and retirement account values. If you work with an advisor, feel free to delegate this task, but don't let him pitch you anything other than term life insurance. I've often been asked to provide a shortcut on this calculation, but frankly, given how specific each family's needs are, it seems ludicrous to rely on a simple multiple of your salary to account for your unique situation.
• Disability: Make sure you have adequate disability insurance, especially if you are self-employed. Most insurance companies will only provide coverage equivalent to 60-70 percent of your annual income, but that should be adequate. Employer-based plans usually cover 60 percent.
• Long Term Care: Start looking for a long term care policy if you're over 50. Be careful to only purchase the coverage that you need.
• Health: Stay on top of developments in health insurance - there will be a slew of new rules going into effect in the second half of the year.
Real Estate
Yes, the housing crash sapped some equity from your balance sheet, but your home sweet home is still probably your most valuable asset. Here's what you need to keep in mind:
• Refinance now: If you haven't locked in today's historically low rates, it's time to take advantage of 30-year fixed-rate mortgages below 5 percent. Lenders have loosened standards a bit from their post-crash conservatism, and in some areas of the country your property may have actually appreciated.
• Maintain your largest asset: Don't put off essential repairs, especially those that enhance your enjoyment and value of your house.
Go into your Outlook calendar and schedule time to visit your retirement plan Web site, or one of these online calculators to see how close you are to hitting your "number." The tricky part: The calculators ask you to estimate a bunch of things that even economists don't know for sure. Our crystal ball isn't perfect, but these sensible estimates can help:
• Inflation assumption: 4.5 percent
• Rate of return before and after retirement: Consider your risk assessment and err on the conservative side. Our recommendation is 6-7 percent before retirement and 4-5 percent after.
• Life expectancy: If you're younger than 50, use 95, if you're older than 50, use 90.
So how did you do for the first half of the year? It's time to compare your returns with the most relevant stock, bond or blended index. If you are a growth investor, with more than 70 percent of your portfolio in US stocks, then use the Wilshire 5000 index; if you are a balanced investor with a 50-50 allocation between stocks and bonds, use the Vanguard Balanced Index Fund; and if you are a conservative investor with a portfolio of bond positions, then use the Barclays US Aggregate Bond Index. If you have international exposure, you can compare those investments to the relevant country weightings in your portfolio. S&P, Vanguard and Barclays have plenty of choices.
Also make sure you:
• Set a target asset allocation: If you've already done this, congratulations - you can skip to the next item. If not, there's no better time than today. You need to take a risk assessment questionnaire - try this one from Vanguard. Once you walk through the risk test, most sites will populate a recommended portfolio allocation with funds that match your feelings about risk with your investment time horizon. Don't get too nuts on this part - having some game plan and executing on it is more important than whether your portfolio is 60 stocks/40 percent bonds or 55/45.
• Rebalance: Look at all your retirement and non-retirement accounts to make sure your allocation remains in check. This isn't easy; it requires that you sell winners and reinvest that money into the areas that have done badly. But just imagine if you'd been selling stocks and buying bonds as we headed into the crash, and then started dumping bonds and buying stocks as the markets hit bottom. If your brokerage gives you the option, set your portfolio to automatically rebalance.
• Check your liquidity: Make sure that you have enough cash if short-term funding needs are creeping up - tuition bills should be coming in over the next couple of months.
• Swap your funds: As long as you are making changes in your investment accounts, check to see if you can replace actively managed funds with index funds.
• Schedule a checkup: If you work with a financial advisor, book an appointment to review your progress.
More on MoneyWatch:
• Dumbest Things You Do With Your Money
• Best Investments for a Shaky Market
• 7 Insurance Myths That Can Cost You?
• Time to Refinance Is ... Now
• 8 Steps to Protect Your Family


text:
Jeff Beck is One of my favorite guitar players, Hot Rods & Guitars.
Jeff has said a few times his guitar playing pays for his real passion, Hot Rods. Dood you mean its not Guitar? LOL
In this Article Jeff talks about why his Strat beats out a Les Paul.
Click Jeffs Pic and it will bring you to the Guitar Player Magazine Article.

subset: commoncrawl


text:
Local Voices
World class hiking trails anchored by the 2,200-mile-long Appalachian Trail, winding back roads and scenic byways that ascend steep tree-lined ridges, countless spectacular waterfalls, and scenic vistas that include unimpeded views of the famous Delaware Water Gap beckon visitors as they have for generations. So do canoe, hiking, kayak, bicycle and fishing outfitters; diverse ethnic and unique niche restaurants featuring locally harvested fare; and a vibrant art scene ranging from live theater to top-flight jazz.
Small Town Magic
The region has long been a magnet for city dwellers looking to escape the urban heat and congestion of summer while basking in the fresh air, clear water and slower pace of rural life. Camps, small inns and resorts, cabins and the spare rooms of local farmers and laborers once provided basic but quaint accommodations. Some returned at other seasons to enjoy the migratory patterns of birds and mammals, or cross-country skiing and snowshoeing on a blanket of snow that muffled the sound of human and animal activity.
Food, Drink, and Festivities
Today's visitors from the nearby New York and Philadelphia metropolitan areas – and from around the world – can recapture that nostalgic, rustic experience. Or they can enjoy the sophistication, comfort and variety of modern world-class resorts featuring live entertainment, recreation, and good food and drink. These venues are within minutes of farmers' markets or homegrown shops in historic colonial and Victorian districts. No matter the time of year, visitors enjoy festivals celebrating uses and varieties of garlic, a community's founding, old-fashioned ice harvesting, artistic ice sculptures and the lifestyles of back woodsmen.
Arts, Culture, and History
Take a drive on Old Mine Road along the Delaware River on the New Jersey side of the Delaware Water Gap National Recreation Area, retracing steps taken by Ben Franklin and John Adams as they made their way between Philadelphia and Boston while forging American independence. Travel vast sections of Sullivan's Trail carved out of the Pennsylvania wilderness by colonial troops during the American Revolution. Explore canal-era buildings and the Neversink Valley Museum of History and Innovation at D&H Canal Park in lush Orange County, New York.
Outdoor Recreation and Nature
Hike an extensive network of interconnected trails, anchored by the Appalachian Trail, that tie the national recreation area to other trail systems in New Jersey, New York, and Pennsylvania. See how Tannersville's Cranberry Bog in Monroe County, Pennsylvania stands in stark contrast to the surrounding Pocono Mountains landscape, the southernmost boreal bog east of the Mississippi River, with black spruce and tamarack trees at the southern limit of their ranges. Discover Warren County, New Jersey's scenic and secluded parklands along the historic Morris Canal Greenway. View Bald eagles and over 200 species of birds in Sullivan County's Bashakill Wildlife Management Area in New York.
This and more awaits visitors to the unspoiled Scenic, Wild Delaware River.
~ David Pierce, Journalist, The Pocono Record
Hear more from Local Celebrities—from global celebrities to local icons—who love the Scenic Wild Delaware River.
David Pierce
No contributions found.


text: This work examines the leadership of General Henry "Hap" Arnold during World War II in the strategic bombing campaign that contributed to Japan's surrender in 1945. It describes how Arnold pushed the development of the B-29 bomber, organized the Twentieth Air Force, and went on to direct the unprecedented and effective B-29 bombing missions against Japan. The author shows that Arnold never thought strategic bombing alone could end the war. However, he felt that it could be used in conjunction with a naval blockade to defeat Japan without the need for invasion or nuclear weapons. A chapter describes Arnold's participation in the discussions with U.S. Secretary of War Henry Stimson, General George Marshall and other leaders at Potsdam about how and when to use the atomic bombs. Arnold is also credited with laying the foundation for the creation of the Air Force as an independent military service.


text:
Do you know what it's like to wake up every single day with a fear that your loved one will leave? You no longer fear your own death. You feel obligated to always be with that person because you are afraid that one small thing may set them off. It's scary to think that in a split second, there are individuals out there that decide to take their lives. They allow depression to take over their mind and body. They let depression win.
There is an individual in my life that suffers from chronic depression. At the beginning, it seemed like nothing was wrong with this individual. This individual seemed happy and full of life, which I believed was true until I became closer to this individual…
Imagine seeing someone you love in a depressive mood almost all the time. Maybe when you are with them, they put on an act, and they make you believe that everything is okay, when in fact, on the inside, they are hurting. On the inside, the depression is taking over their mind. But you can't tell the difference because you may not know that your loved one suffers from depression since they haven't told you or they haven't even accepted the fact that they suffer from it. Imagine seeing your loved one give up on everything they used to love doing. You know that they have so much potential to do great things, but they just can't seem to do it because they can't even find the will power to wake up in the morning. Just imagine hearing your loved one say that they feel worthless, unloved and a burden to society. As much as it may hurt you to hear them say these things, you must stay strong, for their sake. Because as much as it hurts you, imagine how much it hurts your loved one. Depression has led them to believe that they are nothing. Seeing them suffer is one of the hardest things, but at the other end of the spectrum, being someone who suffers from it, is a whole lot worse. Imagine hearing them cry and say that they are weak and can no longer see the point of living. They just want it all to go away, and they believe that the easiest thing to do for it all to go away, is to take their life.
As tough as it may sound, this is what this individual in my life has to go through every single day.
Under many circumstances, many cases of depression go unnoticed. There are individuals that live with depression that don't want to seek help. They live in the dark, and hide it from the world. But the fact of the matter is, whether it's a minor or serious case of depression, it's still an illness. It's actually more than just an illness; it becomes a mind set. Depression takes over your thoughts, your actions, everything.
For many, they decide not to seek help because 1) they believe there isn't anything wrong with them or 2) they believe that if they were to tell someone, they would be judged in one way or another. But depression is a very serious matter and many people die from it because they decide not to seek help and they allow the depression to win.
Now, mental illness in general is an illness that I feel many people are still in the dark about in comparison to other illnesses out there. However, mental illness is a very serious matter because there are so many cases that go unnoticed. More people should be aware of the symptoms of mental illnesses, especially depression, because even though you might not be suffering from it, someone you may know might be. If you know someone; a friend or family member that suffer from symptoms of depression, seek help before it's too late.
Now, this individual in my life is thankfully still alive. Every day, this person is fighting to stay motivated to continue living. It's scares me to think what my life would be like without this individual. And as much as it may hurt me to see this person suffering, I must stay strong. I fear that I will wake up and this individual will be gone forever and I couldn't do anything to help. Which is why I decided to write this post. It is my first step to making people aware of the seriousness of depression. It's my chance to help more people out there be aware, so that they too could save a life.
For those of you that are reading this that have depression or have depressive thoughts, just remember, you are NOT alone! And as much as you may think, there are people that care about you. You are worth it! Like everyone on this planet, you were meant to be here. To someone out there, you mean everything! Don't let the depression win; please take the first step and get help.
Anna Sky x


text:
Product Description
Ever wanted to gain access to the next new honey-hole but just couldn't quite figure out how to get there? How about seeing that sweet spot back through the woods, brush or shallows that you couldn't reach with a traditional boat? Better yet, what about that area that you've been dying to get down to, but there was no launch ramp or road leading down to the waters edge? Even worse, how about that absolutely perfect spot that has been closed off to traditional motorized boats?
Pro Angler 14 outfitting for fishing action:
Look no further, your answer has arrived. Introducing the new Hobie Mirage Pro Angler. One of the world's lightest, most efficient, feature-filled boats on the market today. A revolutionary design breakthrough with extraordinary stability. It has everything you need to maximize your angling experience without sacrificing comfort, functionality or storage capabilities.
vantage seat:
Heres what its like to put an Evolve Torqeedo motor and Live Well on it:
– Hobie MirageDrive w/Turbo Fins
– Adjustable Cool Ride Seat
– Retractable Rudder System
– Horizontal Storage for up to six rods
– Two vertical Rod Holders
– Large Front Hatch w/removable Liner
– Work Area/Cutting Board
– Center Hatch w/removable Tackle Box
– 8" Twist & Seal Rear Hatch w/Gear Bucket
– Two Mesh-covered Stowage Pockets
– Four assorted sizes of Plano Tackle Boxes
– Replaceable Mounting Boards for attaching optional equipment
– Heavy Duty Mid-Boat Grab Rails w/Retractable
– Bungee® Gear Keepers and an 18" Ruler
– Heavy Duty bow and stern handles
– Integrated / Replaceable transom skids
– Two-piece Paddle w/additional T-Handle
– Drink Holder
– Length: 13′ 8 " / 4.17 m
– Width: 38″ / 0.97 m
– Hull Weight: 88 lbs. / 39.9 kg
– Fully Rigged Weight: 138 lbs. / 62.6 kg
– Capacity: 600 lbs. / 272 kg
– Volume of forward Hatch Liner: 16 gal. / 60.6 l
– Volume of the center Hatch Bucket: 2.9 gal. / 11 l
– Rear Cargo Area: 5.1 ft2 / 0.47 m2


text:
Wow. Disco night wasn't actually a huge train wreck. Who would've thunk it, eh? I certainly thought I was in for an hour of soul crushing horror. It's always nice to be surprised.
So, can I start off by asking if anyone else couldn't stop looking at that blond girl behind Simon that the camera showed every time he started talking? Girl was having a great old time, and you could tell that she KNEW she was on camera. She was milking that 30 seconds of screen time every time it came around. She kept laughing and trying to talk to the person next to her . . . even though I'm not entirely sure the person next to her had any idea who she was. Pretty sure she was just pretending to be there with someone. Making an ex-boyfriend jealous, maybe? Give this girl an iPod or something.
Also, I'm pretty sure Kristin Bell was there. She did some sort of sexy eyebrow thing into the camera when Ryan walked by. She was sitting next to that puffy, old rocker (?) whose name I still can't remember and his . . . female companion (?).
Lil Rounds: Hmmmm. Well, I mean . . . I dunno. Actually, you know what, this wasn't thoroughly unenjoyable. She still can't hit most of those notes to save her life, but at least she looked like she was enjoying herself for the first time EVER. She was wearing a jumpsuit, though, so I have to deduct a couple of points automatically. Not bad. Still not close to great.
Danny Gokey: GO AWAY! Just do it! Maybe then you can shave. Just a bit of advice to any and all men: stubble doesn't look good on everyone. Some people look like they just woke up from a three month long drug bender, especially when they kind of amble around the stage, swinging their arms randomly, like a confused Alzheimer's patient. The first half of that song was talking to a backing track. Boring vocals. Even more boring stage presence. Why. does. he. keep. getting. praised?
Allison Iraheta: First of all, loved the entrance. That was pimp staging on the part of the producers if I've ever seen it, and I am buying what they're selling. The song? Hmmm . . . Girl can SING, no matter what, but this song is a little stupid. I mean, "HOT, HOT, HOT, HOT STUUUUFFFF?" A song like that isn't going to exactly set the world on fire these days, but she sang it pretty damn well. This girl is ridiculously talented and has the killer voice and stage presence of a veteran rocker. Go Allison!
Adam Lambert: Thanking the musician who helped you arrange the song. Once again, VERY SLY, Mr. Lambert. You're either a genuinely nice person or a very crafty individual. I prefer to say both. I'm just glad he hasn't started sitting on the stage and reading from the phonebook, since he would probably still win the whole thing. We all knew we were getting slow Adam since he was wearing a suit, albeit with a Bond villain-like snake ring on his pinky. I am completely fine with the fact that he is winning, even if I'm still on the Kris Allen train (it's a very sexy train, btw . . . lots of crushed velvet). He has a CRAZY GOOD voice. I think Paula thinks he was singing that straight to her. Paula is going to have sex with him whether he wants to or not. She will not be satisfied until he's backstage with a bag over his head, a sock in his mouth, and his pants around his ankles, with the sounds of frantic clapping and Vicodin-induced babbling the only things clueing him into her identity.
Matt Giraud: Let's play a little game. I say 'disco,' and what is this FIRST thing you think of? 'Staying Alive,' I presume? Much, much too obvious a choice. You just got saved from elimination, dude. Maybe it's time to start thinking outside of the box. He's still got an interesting voice and a certain pop star swagger that I think works on him, but he's just not making himself memorable. He sang the most obvious disco song there is, and I still have a hard time remembering much about it.
Anoop Desai: Pimp slot? Whatever for? Ok . . . I'll give him that one note. Awesome. You held that for a looooooong time. Still, this is the exact same thing he did last week. It was a little better, but it was still the same thing. I am also still bored by it. He has a good voice, certainly, but not an interesting one. And what is with the David Cook syndrome this season? I think they outlawed razors in the Idol Mansion. Also, he really is a frat boy. That outfit was right out of a meeting of the Harvard Greek Council over cigars and brandy. Nerd.
Randy: When, exactly, did I start hating you? Because I really REALLY think you're pretty fucking useless.
Paula: Where you there in person? All I remember is a giant shimmer with your voice emanating from it like some sort of ethereal being. Lay off the glittery jewelry.
2. Adam
3. Kris
4. Allison
5. Anoop
6. Matt
7. Lil
8. Danny
So . . . Kris/Adam finale, ya?


text:
Nyjah Huston is number one in the world for street skate. He is a really talented and sweet 19 year old who I am lucky enough to have helped design his home.
I originally designed this 6400 square foot Southwestern home 10 years ago for a family of 5. When they moved, Plantscapers (my interior plant company) was approached by Nyjah's mom for a reference for an interior designer. They interviewed and hired me to convert this "family home" into a place where Nyjah could relax between his contests and chill with his family and friends.
The first challenge was converting the traditional Southwest home into a home that appeals to a 19 year old – while keeping the integrity of the architecture intact.
We kept the solid wood floors but gave the home an updated and contemporary feel. We chose furniture from Environment a sustainable furniture company with a soulful vibe – it was exactly what we needed for this home. We updated the kitchen and used bold colors to accent each space. I use interior plants in all my designs to soften the space, put oxygen in and pull dust out of the air. We utilized Nyjah's trophies and magazine covers for the art on the walls.


text:
Anson Chen
President & CEO at Bada Networks
A technology and business leader who wants to maximize financial gains for a business while serviing as a senior leader within the company. My preference is to be based in the Atlanta area but I am open to consider other possibilities as well.
A results oriented executive with extensive experience in the creation of new businesses, business units, establishing market strategies, channel development, leading organizations for high performance, creating a brand identity, and developing differentiated, innovative products and services required to succeed in the marketplace. Management of marketing operations that are focused on achieving the best possible customer experience while increasing business financial gains. Extensive executive management experience has been leveraged to create technology and service solutions that generate new revenue streams. A decisive, embracing leader with talent for engaging teams to create solutions that bring value to the business through cost reductions and top line growth.
President & CEO at Bada Networks
CEO of Motorola during time of employment. He is currently the CEO of Harrison Street, a 4 Billion Dollar equity firm.
Senior VP of HR at Covidien during time of employment.
As CEO of Meditropolis, Inc. I am responsive for leading the organization to rapid growth opportunities in new and emerging markets using technology and service offerings. Meditropolis provides speech recognition solutions, coding solutions, workflow solutions, and deep analytics for our medical customers.
Covidien is a $10 billion medical device company with an extensive product line including imaging, pharmaceuticals, and medical suppliesGeneral Manager of Business Unit35M P&L, 24M Budget, 8 Direct Reports, 130 People Span of Control
Business Unit Closed, Recommendation from President of Medical Devices
- Responsible for the creation and P&L of a new $1 billion business unit focused on airway disease control.
- Development of marketing strategy, creation of new distribution channels, and market research.
- Reduced cost of commercialization by $30 Million and increased margin by 15% through superior strategy conception and deployment.
- Introduced new marketing approaches that were successfully applied in different business segments.
- Provided a global approach to marketing that helped to achieve a singular go-to-market message and brand identity on a global scale.
- Reduced marketing budget while continuing to meet targets ahead of schedule.
- Accelerated product development cycle time by two years through effective use of partnerships, alliances, and decision alignment.
- Achieved 60% manufacturing cost savings through process changes and "Design for Excellence" techniques.
- Created $10 billion product and service strategy with largest company NPV (net present value) project in product pipeline.
- Supplier Selection for new innovative technologies that represent new price and functionality points in the marketplace.
- Developed fully functional medical device achieving clinical efficacy improvement from 60 to 97%.
- Improved business pro-forma approach for better information and understanding of uncertainty.
- Experience in driving traditional and non-traditional advertising, media, and promotion strategies and tactics.
- Intelligent, perceptive, a quick study, high energy level, and a strong understanding of business operations.
- Strategic thinker, demonstrating the ability to develop marketing strategies to improve and grow business opportunities.
- A hands-on, goal-oriented leader with a high level of enthusiasm, drive and interpersonal skills.
- The highest level of personal integrity and honesty.
Motorola is a $36 billion global telecommunication and cable equipment designer and manufacturer 85M Budget, 7 Direct Reports, 278 People Span of Control
- Global marketing and business development experience in India, Japan, Europe, China, and Sub Sahara Africa.
- Creation of revenue sources through licensing, partnerships, and alliances.
- Market strategy development for new wireless technologies, services, and tools.
- Increased NPV by $900 Million for mobility based services through differentiated customer focused innovations.
- Improved strategy and impact of new products and services through the use of globally aligned business leaders (e.g. China, Japan, Europe, India, and S. Africa).
- Achieved $100 Million in newly introduced and deployed experience based services.
- A strong presence that exudes leadership and confidence.
- Strong understanding and sense of consumer behavior/perceptions and how to positively influence/change the same.
- Able to effectively operate and continually adapt within a fast-paced and ever-changing work environment.
85M Budget, 7 Direct Reports, 278 People Span of Control
- Development of new marketing approaches for early planning and go-to-market success.
- Global customer segmentation experience, concept testing, survey analysis, and conjoint analysis.
- Change leader who in confident in developing new customer bases in new markets.
- Creation of a consolidated enterprise wide technology strategy and reduction of operational expenses.
- Engagement with industry analyst for the purpose of product positioning and market intelligence.
- Sought after speaker for marketing innovations and operational excellence.
- Championed effort to increase product margin through cost savings and marketing efforts that contributed 1.3 billion to bottom line over two years.
45M Budget, 6 Direct Reports, 212 People Span of Control
- Marketing product roadmap creation and extensive product segmentations of customers and markets.
- Development multi-generational plans and roadmaps for advanced technologies.
- Creation of marketing requirements documents, market vision statements, and imperatives.
- Driving cross functional teams for the purpose of delivering a consistent product offering to customers.
- World-wide consolidation of R&D, software tools, and licenses for $130M in Savings.
- Provided significant leadership contributions instrumental in winning National Malcolm Baldrige Award.
- A management style characterized as hands-on, sleeves rolled-up and results oriented.
- Ability to build productive working relationships to achieve common goals and objectives.
60M Budget, 12 Direct Reports, 85 People Span of Control
- Project management responsibility for 1,100 engineering development team and delivered on time. Responsible for product development software performance metrics.
- Reduced the time to build a software product from submitted code by 90%.
- Successfully integrated a new 25 person team into our organization in order to improve performance.
- Lead project teams to meet client needs and mentor/develop new talent.
58M Budget, 16 Direct Reports, 150 People Span of Control
- Managed a team of 150 associates that were responsible for marketing, product management, project management, business development, and alliance management for the division.
- Established seven contracts within one year that provided $400 Million in revenue.
- Created new system certification program that saved 90 Million in Capital Cost.
- Established first programs for outsourcing to India, E. Germany, and Poland.
20M Budget, 22 Direct Reports, 22 People Span of Control
- Developed software applications for the purpose of improving operations and efficiency.
- Maintained all financial systems on servers and satellite communications.
- Integration of all new applications for compatibility with the existing infrastructure.
- Help Desk services for 550 users of IT systems and applications.
- Integration, testing, and on-going maintenance of all email based systems.
700K Budget, 2 Direct Reports, 2 People Span of Control
- Development of fault tolerant multiprocessing server system.
- Development of 3B2 700 mini computer that was used in Desert Storm.
- Current Engineering support for 4 circuit pack systems for the 5ESS Toll Switching System.
Our academic programs are of the highest caliber because we believe in the transformative power of ideas.Some of the most influential academic movements are taking place at the University of Chicago. We are pioneers in economics, sociology, literary criticism, and legal education, and we are the home to the country's largest university press.Critical Thinking at Our CoreWe value an interdisciplinary undergraduate education with an emphasis on critical thinking and discussion of original texts. Undergraduate students in the College have the opportunity to learn in small classes and major in one of our 52 programs of study.Making Interdisciplinary ConnectionsWe bring together notable scholars and academics from broad disciplines to foster an awareness of the permanent questions at the origin of learned inquiry. With more than 70 interdisciplinary workshops, we provide a forum for graduate students, faculty, and visiting scholars throughout the world to present scholarly work in progress.Exchanging Ideas WorldwideWe appreciate the exchange of ideas, cultural understanding, and breadth of knowledge that result from international study. With 7 international centers and the Center in Paris, our faculty and students engage in intellectual discovery all over the world. Each year, the College awards more than 100 summer international travel grants to support undergraduate students in intensive language study and research abroad. Additionally, the Booth School of Business' Executive MBA Program has a campus in cities on three continents, while the Law School has a broad commitment to the study and practice of International Law.
Welcome from the ChairWelcome to the web site of the School of Electrical and Computer Engineering at the Georgia Institute of Technology. The School's overarching vision is to lead in the creation and development of intellectual and human capital in electrical and computer engineering and their applications, in order to foster the technological, economic, and social enrichment of the State of Georgia, the nation, and the world. Our goals in support of this vision are to:be recognized as one of the very best programs of electrical and computer engineering education, research, and its transfer to the community at large;be recognized as a place that encourages excellence and diversity in thought and endeavor;provide degree and continuing education programs that produce graduates who are well-prepared to enter and assume leadership roles in the profession; andprovide research and intellectual resources to address problems facing the industry and the world, while advancing the boundaries of disciplinary and multidisciplinary research and its applications.It is in this context that ECE works to advance Georgia Tech's strategic mission to define the technological research university of the 21st century. As you navigate through this site, I hope you will see how our world-class faculty and staff, gifted students, and educational and research programs enable us to achieve these goals.Thank you for visiting our site.Gary S. MayProfessor and Steve W. Chaddick School Chair
Computer Engineering - VLSIComputer architecture/VLSI is a bridge area that ties the implementation hardware (devices, circuits, VLSI) with the system (compilers, operating systems) and application software and networks, and as such lies at the heart of Computer Engineering. Researchers in this area work not only in core computer architecture, but also investigate crosscutting architectural issues arising from interactions with the underlying hardware, software, and network. Research contributions may be in the form of new theories, novel design methods backed by simulation, or related to the creation of computational artifacts (modeling, simulation tools, software environments, etc.). Students specializing in Computer Architecture/VLSI at Michigan State University will acquire the broad background necessary to contribute effectively to the design and implementation of computer architectures that meet application functional requirements as well as cost, power, performance, and reliability goals.Graduate program coursework at the M.S. and Ph.D. levels is taken in both the Electrical and Computer Engineering (ECE) and Computer Science and Engineering (CSE) Departments. Courses focus on advanced computer architecture, digital electronic circuit and VLSI design, contemporary computer-aided design tools and methodologies, design of systems using embedded processors, design of system-on-a-chip, fault-tolerance, design, test and packaging of application-specific integrated circuits, hardware/software co-design, algorithms, compilers, operating systems, networks, parallel computing, and other specialized courses.Computer Engineering Researchers:Subir Biswas, Shantanu Chakrabartty, Erik Goodman, Nihar Mahapatra, Andrew Mason, Jian Ren, Fathi Salem, Michael Shanblatt, Gregory Wierzba


text:
While our focus is of course on the Transpacific Partnership which of course will grant Corporations excessive unacceptable powers of a magnitude the people of Australia have only a leaked synopsis to know, Governments of the proposed TPP and TPIP signatory countries are bringing in TPP compliant laws to cater to the Transnational Corporations desires in advance of and perhaps ultimately instead of the TPP.
Peru has passed laws giving police immunity from prosecution for shooting protesters in the immediate aftermath of the Glencore Xstrata La Bambas strikes fiasco. The move has sparked fears among human rights groups that there will be no reprieve for any excessive use of force as the mining industry continues to push into indigenous lands in Peru.
New Zealand has given the Military powers to arrest protesters opposing mining or oil/gas drilling .
Australia is witnessing the prospect of the selectively applied Queensland VLAD laws becoming law in all States and Federally. We have seen the so called Anti Terror laws passed with scarcely a murmur.Today we confront the possibility that Mandatory Data Retention will apply to all our telephone and internet based communications effecting a mass criminalisation slur on all Australian people and businesses.
The Department of Foreign Affairs and Trade website states that The Trans-Pacific Partnership Agreement (TPP) is one possible pathway toward realising the vision of a free trade area of the Asia-Pacific. One could and should conclude that it is by no means the only mechanism to implement the reality transnationals are demanding. The author suggests that it is imperative that those who oppose the TPP also oppose smaller implementations of the TPP goals within the wider legal framework. To not do so may well mean that ultimately we win the battle to Stop the TPP but in doing so lose the war we never considered.


text: By Ashley Watson, dealnews writer One of the world's leading strategic marketing companies, Buyology, Inc., has completed the first annual "Most Desired Brands in the U.S." report, ranking the top 20 brands for men and women. The company spent six years and $8 million on this survey and tested 240 global brands with more than 5,000 consumers. These efforts to measure and test how consumers relate to their favorite brands reflect Buyology's unique approach to marketing based on what it has trademarked as "Neurotypes," or "non-conscious relationships." Buyology experts believe that understanding what drives the subconscious is a key part of determining why consumers remain loyal to a particular brand, despite the lower price or quality of its competitors. And since only 15% of our decisions are made consciously, it is the brand's relationship with its customers that becomes its "most important asset and its only sustainable advantage. Just as with cherished friends and family, a strong positive relationship will result in loyalty, forgiveness and advocacy while a negative relationship will result in mistrust, avoidance and animosity," which amounts to the company's motto. Founding partner and Buyology President Donna Sturgess explains to dealnews that developing brand relationships based on gender is one of many data points useful to marketers in this research, along with age and ethnicity. "By recognizing that men and women may have a different responses to the brand," she says, "marketers are able to gain deeper insight into consumers' wants and desires in order to clarify and strengthen the consumer connection to drive the business." Sturgess also says that Buyology used the results of the study to help their clients develop better marketing strategies. "Once a marketer Neurotypes a brand and measures the drivers underneath it, they have a high-definition view of the business that will clarify elements of strategy and execution," she says, adding, "In other words, it becomes simpler to recognize the things a brand should stop doing as well as start doing to increase the signal strength of the relationship they want to build." While it may not be surprising that the survey indicates that car companies attract more men than women, or that Amazon made it to the top of the list for women and didn't even make the list for men, these results could have a remarkable impact in the market. Sturgess believes that "it's "important for marketers to dig deeper to understand their customers, particularly during a tough economy." Whether or or not the survey proves that men like cars and women like shopping is up to our readers. Top 20 Most Desired Brands in the World: Women Johnson & Johnson Sony Kleenex National Geographic MasterCard Google Amazon Visa General Electric Toshiba Crest Microsoft Disney Target Tropicana BMW Febreze Ford Olay Chase Top 20 Most Desired Brands in the World: Men Crest BMW National Geographic Panasonic Hyundai Kleenex Coca-Cola Microsoft Tide Lexus Apple Bed Bath & Beyond Ford Animal Planet Hitachi Mercedes-Benz FedEx Procter & Gamble Hallmark Geico Ashley Watson received her MFA from Goddard College in January 2006. Upon completing her degree, she taught writing composition at the University of Arizona and began her career as a freelance writer. She is a contributor to the 2007 Teacher's Guide to Living Literature: An Introduction to Fiction, Poetry and Drama, and she has published articles in various online and print magazines. She currently resides in Vermont. Photo credit: Hikingartist.com


text:
From Diana:
I've had my eyes on these shoes for about two months now. They are in the casino mall's display window and we pass by it pretty often. After our movie tonight, I decided to look for the shoes and try them on. After a little encouragement from Adonis, I finally bought them! Love them!!
The box said that the shoe model name is "Anaconda". Aaaaooowww!!
P.S. Yes, I took this photo of my new shoes.


text:
Posts Tagged → Homer Glen
Fundraiser for Steve Balich
Fundraiser for Steve Balich
Will County Board district 7
Thursday June 2nd 6:30pm to 9:30pm
Mullets Sports Bar 14903 S. Bell,Homer Glen IL. 60491
Music by Dave Molinari
Honored Speakers:
Master of Ceremony: Tim Kraulidis
Dan Proft: WIND Radio Host
Doug Mayhal: President of Will County Ill. State Rifle Association
Laurie Mc Philips: Candidate for Will County Executive
State Republican Minority Leaders Radogno & Durkin ( If not in secession)
Gold Sponsor $1,000 ________ Silver Sponsor $500_________ Bronze Sponsor $250________
Donations $35.00 at the Door or by Mail
Includes Beer & Pasta
Checks can be mailed to: Elect Balich 12259 Derby Lane, Orland Park, IL. 60467
(815) 557- 7196 WWW.ElectBalich.com firstname.lastname@example.com
"A copy of our report filed with the State Board of Elections is (or will be) available on the Board's official website (www.elections.il.gov) or for purchase from the State Board of Elections, Springfield, Illinois
Paid for By Elect Balich
Not guilty and you still must pay the storing and towing charge
March 3, 2015 the Will County judicial Committee met. Legislation was brought forward for a $300 Administration Fee charged to individuals when their car is towed. Presently there is no Administrative fee, but there is a towing fee and a storage fee that must be paid by the individual regardless of the verdict in court. Therefore the Judge can find you not guilty and you still must pay the storing and towing charge. With this new legislation, the administrative fee can be returned to you if the Judge orders it, but the towing and storage charges are the individuals expense even when found not guilty. Nothing is changed accept adding an administrative fee.
As a member of the Judicial committee I spoke firmly against what I consider unethical, immoral, and just plain not fair. With a not guilty finding the Judge should be able to refund the towing fee, the storage fee, and the administrative fee. Just because cities charge these fees to people found not guilty does not make it right. It should be the Judge's decision if the fees should be returned. Will County would then have to pay the towing and storage charges, and not collect the Administrative fee.
The Committee argued that the administrative fee may be too high putting a burden on people. I felt like they thought the towing and storage fees were just an acceptable part of the process. One member said it is just like getting a lawyer; the court doesn't reimburse that cost. I explained that you can represent yourself at no cost, and there would be no fees if your car was not towed unjustly in the first place.
Steve Balich (815) 557-7196
Will County Board District 7
Balich Ordinance not allowing aerial photos to initiate code violations is now law after Executive Order by County Executive
Balich Ordinance not allowing aerial photos to initiate code violations is now law after Executive Order by County Executive
The process addressing use of aerial photos in code violations began in April 2013 when Balich first brought a Resolution to the Legislative Committee. Balich said he was having trouble getting it to the right Committee. The issue was moving from Land Use to Judicial with not much happening. Balich eventually decided to move it forward as a change to the ordinance which required a public hearing and a full vote of the County Board. After playing ring around the Committees for a few Months moving from Judicial to Land Use to Executive and finally to a joint meeting of Land Use and Judicial in December 2013, it passed and was to be set for public hearing. Finally May 6th 2014 there was a public hearing, and immediately after the hearing the Judicial Committee voted it down. This was a shock for Balich who thought it would pass with no problem. It was dead as far as Reed Bible, Tom Weigel, Ken Harris, and Jacky Traynere were concerned. Balich said it is not over, he was not giving up. He said this is a people issue and could not understand why the Democrats and Weigel did not get it.
At the May 13th Executive Committee Jim Moustis motioned to put it back on the Agenda, for a vote of the full board. Reed Bible and Herb Brooks voted no the rest of the Committee voted yes giving the ordinance new life with a vote of the full Board. Jim Moustis made the valid point that 4 people from a committee should not have the power to kill an issue. Mr. Moustis also pointed out that anything can be added to the County Board Agenda by the Executive Committee. Balich was confident there were enough votes to pass from the full Board.May 14th the County Executive passed an Executive Order, putting Balich's ordinance into law before the vote of the full Board. Balich is extremely pleased with Walsh's decision standing for the people of Will County.
Executive Order 14-30
Aerial Photography Prohibited
Lawrence M. Walsh, will County Executive, hereby prohibits the Land Use Department and its personnel from using aerial photography to initiate an internal Land Use complaint of an ordinance violation. Dated May 14, 2014 and signed by Will Vounty Executive Lawrence M. Walsh.
2014 IL. Governors Forum hosted by Will County Tea Party Alliance
By MaryAnn Ahern
| Tuesday, Jan 14, 2014 | Updated 11:36 PM CST
The Republican candidates for governor square off in their first debate, but the frontrunner was missing. MaryAnn Ahern reports.
Photos and Videos
GOP: Illinois'
Business Climate is 'Broken'
Rauner's School
Contribution Questioned
More Photos and Videos
Tuesday was the first of several forums planned in advance of the GOP primary for Illinois gov-ernor.
Three of the candidates, state Sen. Bill Brady, state Treasurer Dan Rutherford and state Sen. Kirk Dillard attended the Will County Tea Party forum in Plainfield, but the front-runner — Bruce Rauner — was a no-show.
An empty chair was placed on stage for Rauner, who asked that a surrogate read an opening statement for him, a request that was denied.
The questions ranged from jobs to education.
Brady said he plans to abolish the State Board of Education if he's elected governor.
Rutherford was asked about his views on same sex marriage.
"I think we need to be very sensitive about this kind of a discussion. Is it perfect to be in a world that has a man and a woman bearing their natural-born child? Sure it is. But it isn't a perfect world we live in," Rutherford said.
Dillard was asked about Rauner's claim that union bosses control politicians.
"I've taken money from the Operating Engineers, that's a private union, and they're concerned, and they support me because they believe I'm the best candidate," Dillard said.
Earlier this week, Rauner said all of the attention he's receiving and questions about using clout to get his daughter into Walter Payton Prep stem from his high poll numbers.
"I'm an independent guy, I can't be bought, bribed or intimidated," Rauner said.
Rauner initially said he would only attend five public forums, but has now changed his mind and will also attend an extra one later this week.
After the forum, a straw poll was taken that included Rauner's name. The results will be an-nounced Wednesday morning.
Source: http://www.nbcchicago.com/blogs/ward-room/GOP-Gubernatorial-Candidates-Square-Off-240225161.html#ixzz2qRrbAbgh
Steve Balich and Mike Fricilone Will County Board Members District 7 are hosting two seminars on the "Affordable Care Act, presented by the Will County Health Dept.
Homer Township Library 14320 W. 151st St. Homer Glen 10:30am to 12:30pm January 11th with individual concerns being addressed by appointment January 25th
Lockport Public Library 121 E. State, Lockport10:30am to 12:30pm January 18th with individual concerns being addressed by appointment February 1st.
Questions: Steve Balich 815 557-7196
Ficarello Candidate for Will County Sheriff "CLEAR PATH PROGRAM" FOR INMATE WORKERS
November 5, 2013 Editor No Comments
"CLEAR PATH PROGRAM" FOR INMATE WORKERS To keep the incarceration rate below national average for non-violent misdemeanant offenders and traffic offenders, an alternative type of sentencing is needed in Will County. This alternative category of sentencing will present the court system with a program that would allow judges to order manual labor of sentenced inmates, […]
To keep the incarceration rate below national average for non-violent misdemeanant offenders and traffic offenders, an alternative type of sentencing is needed in Will County. This alternative category of sentencing will present the court system with a program that would allow judges to order manual labor of sentenced inmates, in lieu of extended jail time. The alternative sentencing will not only help the taxpayer by reducing inmate housing costs due to the sentence time being exchanged for manual labor, but also provide these low risk offenders an opportunity to learn life skills and repay the community.
The placement in this type of alternative sentencing must meet certain eligibility and the individual must agree to the terms and rules of the program. The sentenced inmate must be physically capable and able to work in all weather.
The sentenced inmate must also pay a one-time insurance fee and processing fee prior to participation in this program. The processing fee will be utilized to provide special clothing for both the job being performed and exposure to the elements/climate.
These sentenced individuals will work only in approved work settings for governmental institutions, or non-profit 501(c)(3) organizations. They will be supervised by sworn officers, and will operate five days a week. A civilian coordinator will provide management of the various job assignments throughout the community. Failure to meet the terms of the program or a break in the rules will result in spending the rest of their sentence in a general population setting with the full sentencing reinstated.
Inmates in this program who have not completed high school or attained a G.E.D. will be encouraged to participate in the G.E.D. program offered by the Support Services Division of the Will County Adult Detention Facility.
This program will provide a "Clear Path" for inmates to learn the responsibility of hard work, serving their sentence and providing a positive experience by giving something back to the community, and encouraged enrollment in the Sheriff's G.E.D. program. Also contact with various charitable organizations could provide help for these individuals once they have completed their sentencing.
The "Clear Path Program" will be evaluated after one year to analyze the cost, benefits and savings resulting from the program.
A future contingency of this plan would allow individuals sentenced to probation/supervision, including hours of community service, to also participate in a plan of a similar environment.
Taxes voted to increase by Dems in Will County
Your Property Taxes in Will County were just increased by the Democrats with the deciding vote coming from Democrat Executive Larry Walsh. To put it into context Jim Moustis said taking in New Construction raises everyone's taxes and Larry Walsh said the County takes New property money. The Democrats believe in raising taxes, taking your money, and the Republicans believe we are taxed too much. Check out what your Republican Board Members said about taking more of your money in the form of taxes. Reed Bible 46:35 Compares this tax increase to a meal at Mc Donalds.
http://www.youtube.com/watch?v=c6JkcY5grNE Moustis 42:35, 54:20, 1:08:17; Izzo 47:38; Fricilone 48:05, 1:01:20; Balich 48:54 101:27; Margo Mc dermed 58:10; Maher 59:47; Hart 1:05:40; Freitag 1:02:25; Wiegel 103:21; Goodson 1:06:28; Walsh Speaks 1:10:14
Balich & Friclone Host Concealed Carry Class
Will Co. Board members offer concealed-carry gun course
BY SUSAN DEMAR LAFFERTY email@example.com November 1, 2013 11:08PM
Will County Board Member Steve Balich is co-hosting an Illinois concealed-carry class with 2A Firearms Education on Nov. 7 and 8. | Susan DeMar Lafferty~Sun-Times Media
Updated: November 3, 2013 2:52AM
In two months, adults in Illinois will be eligible to get a license to carry a concealed handgun for self defense — something that residents of every other state are able to do now.
"They should have done this a long time ago," Will County Board member Steve Balich (R-Homer Glen) said of Illinois legislators.
Balich has a Utah license that allows him to carry a gun in more than 30 states.
Part of the licensing process under Illinois' concealed-carry law is completion of a 16-hour training class that involves classroom instruction and at least four hours at a gun range.
To help local residents meet that requirement, Balich and fellow county board member Mike Fricilone (R-Homer Glen), will host the two-day program from 8 a.m. to 4 p.m. Thursday and Friday at Mullets Sports Bar and Restaurant, 14309 Bell Road, Homer Glen, in cooperation with 2A Firearms Education and the Homer-Lockport Tea Party.
They have secured reduced pricing of $260 for the 16-hour class for those who register through the local Tea Party at www.2AFE.com/tea-party.html or call 2A Firearms Education at (815) 714-9757. The class will be limited to 40 participants.
Balich, a member of the Homer-Lockport Tea Party and founder of the Will County Tea Party Alliance, said he expects the class to be popular and plans to offer a weekend class later.
"I wanted to be sure to offer this in our area because it is our constitutional right," Balich said, estimating that half the residents in the Homer Glen/Lockport area own a gun.
"Since it is part of our state law, we are just looking to give the opportunity to people who qualify. Classes are being run throughout the state, but this is an opportunity to have it locally," Fricilone said.
Ironically, the class is being held in the rear banquet room of a bar. Illinois law prohibits guns in bars as well as at schools, parks, government buildings and on public transportation.
Balich stressed that no guns will be allowed in the class, which will use a separate rear entrance and have no access to the bar area.
Mullets' owner Sam Akkawi said he offered the room free of charge to Balich and Fricilone because he has a "great relationship with the township and the village. Any time they need anything, I'm here. I want to maintain that relationship."
The class will cover all aspects of the new law — where it's legal to carry a gun, where it's not and when the law allows you to use a gun, Balich said.
"You have to feel your life is threatened. You have to make sure you have no other choice," he said.
Students will be able to make an appointment for the shooting portion of the training class at 2A Firearms Education's range in Kankakee, where they will learn to handle, load and fire a gun, Balich said.
He said he's arranging the class because he fully supports concealed carry and views it as "my constitutional right. I do not feel threatened, but I could protect myself if I need to." Although he's never had to use his gun, Balich said he would as a "last-ditch effort" to protect himself.
Not everyone is required to take the full 16-hour class. Active or retired military personnel and those who have taken a firearms safety course may only need the eight-hour class, which is offered on Friday for $135.
Persons with any firearms training may be exempt from four or eight hours of the 16-hour course. Those who are unsure of what training they need should call Brian at 2A at (815) 714-9757.
Aerial Photos in Will County
Will County has in my opinion excessive regulations. An example is the use of Aerial Photos to initiate code violations. I have been trying since April to amend the Ordinance to not allow it. Finally in October I am getting movement and it will be going to a vote either in October or November.
June 5th 2013 Fundraiser
Steve Balich County Board District 7 Judicial, Legislative, Building Code Update, Forest Preserve, Forest Preserve Finance
Wednesday June 5th 7pm – 10pm
Woodbine Country Club
14240 West 151st Street
Homer Glen, Il 60491
Music by Joe Bozen Includes Open Bar and Hors d'oeuvres
Honored Speakers
Keynote Speaker: Joe Walsh Former Congressman & Radio Host
Christine Radogno State Senate Minority Leader
Jim Durkin State Representative
Master of Ceremony: Dan Proft WLS Radio Host
Hosted by County Board Members
Jim Moustis District 2 Mike Fricilone District 7 Lee Ann Goodson District 5 Judy Ogalla District 1
Tom Weigel District 12 Ragan Freitag District 6 David Izzo Districr 2 Margo Mc Dermed District 12
Chuck Maher District 11 Liz Collins District 13 Don Gould District 6 Suzanne Hart District 11
Join the Host Committee in Sponsoring Steve Balich
Gold Sponsor $1,000 ________ Silver Sponsor$500_________ Bronze Sponsor $250________
Donations $40.00
Checks can be mailed to: Elect Balich 12259 Derby Lane, Orland Park, IL. 60467
(815) 557- 7196 A copy of our Report is or will be filed with the State Board of Elections email@example.com


text:
Stephen Roach: QE1 Didn't Work, QE2 Won't Work, And QE 12 Won't Work Either
Gregory White
Oct. 13, 2010
Stephen Roach of Morgan Stanley spoke to CNBC this week about quantitative easing (via Pragmatic Capitalist).
0:25 Global imbalances are a shared responsibility, this cannot be blamed on just China or the U.S.
0:45 The currency fix won't work, the U.S. is caught up in political problems driving its decision-making.
0:55 This U.S. has bilateral trade deficits with 90 countries. China is only one.
1:15 If we close down trade with China, the problem goes somewhere else. The U.S. needs to deal with its saving problem.
1:40 The world needs to get together and fix its savings problem. The currency tool is not necessarily the way to deal with this. The U.S. does not save enough, China does not spend enough. The world should be working together to solve this, not putting undue pressure on China.
2:30 There is a lot of hot money going around and a lot more to come from the next round of QE. All of that excess liquidity is going to flow into high yielding Asia. Never in favor of capital controls, but may have to be used.
3:30 "It's not gonna work. QE1 didn't work, QE2 didn't work, QE 12 will not work. When you have an economy that is deleveraging and you throw liquidity at it do you think American families are just gonna so oh, we've got a lot of money, lets just go back into debt again or lets squander our savings?"
3:50 American families are in shock from the recession, they are rebuilding their balance sheets as they head for retirement. You can't defer this.
The Rest…HERE


text:
- Home
- City Government
- Public Works
- Engineering
- Permits
DPW Permits
The Department of Public Works Permit Division oversees a number of permits issued by the City of Norwalk. For information on all permits issued by the Department of Public Works, including fees, applications, and or supporting documents needed, where applicable, click the links below.
If you would like to schedule an appointment, inspection or have any questions please contact email@example.com, call (203) 854-4161 or visit our City of Norwalk - Click & Request. Please provide 24-hour's notice to guarantee an inspection.
If you are planning any construction projects, please plan a minimum of two (2) weeks for completion of your application; plan review and issuance of the permit for most construction jobs.
Permit Division will work with walk-in customers only during the following times:
Monday: 8:30 am to 12:00 pm
Tuesday: 8:30 am to 12:00 pm
Wednesday: No Walk-in Hours
Thursday: 8:30 am to 12:00 pm
Friday: No Walk-in Hours
Forms, Permits & Applications
How to Obtain Approval for a DPW Permit Application (All Documents)
General Permit Application DPW Permit Provisions (January 30, 2015)
Permit Insurance and Bond Requirements Fill & Excavation Permit Application
Sanitary Sewer Lateral Tie Card (Blank) Roadway Restoration Fees (July 23, 2018)
Streets Requiring Police Traffic Control
Checklist Requirements
Driveway Permit Checklist
Encroachment Permit Checklist
Site Plan Review Checklist
Foundation Only Checklist
Additional General Resources
City of Norwalk Standards, Details & Specifications
Water Pollution Control Services (WPCA)
Manual on Uniform Traffic Control Devices (MUTCD)


text: Holy first communion dressesfor girls from Spain in most fancy design are hot selling now at Tidebuy, do you want a most favorite one online? Come for more choice here, the girl's communion dresses in classic Spain designare on fire this year, don't miss the most popular sweet dresses. Or if you want to get them in favorable price online, come to Tidebuy and find more. Over one thousand new items are coming, get the most pretty communion dress for your girl online here in Tidebuy.com! Don't miss the big discount on all items over the whole site!


text:
It's true. Male pandas have such teensy winkies that many humans trained in the ways of sexing bears have mistaken boy pandas for girl pandas. Female pandas have a reproductive window so fleeting – just a day or two a year – that even if a male panda were to erect his little soldier, it would be unlikely to see any action. Based on these two observations, many people like to imagine that pandas are sexually inadequate, a species that would surely be extinct were it not for the supportive role played by humans. The truth about pandas and sex
Tian Tian, maybe definitely not
It is now virtually certain that Tian Tian, the female giant panda at Edinburgh Zoo, is no longer pregnant. Following artificial insemination in April, the zoo has been tracking Tian Tian's hormone levels. The one to watch is progesterone. At around the time of ovulation, there is a small rise, with levels remaining roughly constant for several months. At this stage, the embryo is fertilized but is not developing. Then, some 60 to 100 days later, progesterone levels jump again from around 250 ng to 2500 ng (per gram of faeces) and the embryo begins to divide. In a press
Lonesome George has relatives
Lonesome George might be have passed away but he's still making the news. Less than six months after his death, with his carapace still interred in a Galapagos freezer, it appears he may not have been the last of his kind after all. There is now clear evidence of giant tortoises with Pinta ancestry on another island in the archipelago. In a forthcoming study, geneticists from Yale University identify 17 hybrid tortoises with various combinations of Pinta genes on the nearby island of Isabela. The existence of these Pinta-like tortoises came to light by chance when an initial sample of
Lonesome George and the late Lord Devon's helmet
On Monday, when news of Lonesome George's death began to reach editors around the world, I was asked to write his obituary for the Guardian. As I had already sent in one to Nature, they sensibly got the very excellent John Vidal to do it instead. John's done a pretty good job and he generously cites my book Lonesome George: The Life and Loves of a Conservation Icon. I was, however, very puzzled to read that I'd reported that "George was irresistibly attracted to the late Lord Devon's wartime helmet, presumably because it resembled the shell of a young tortoise."
The death of Lonesome George
A team of vets, technicians and scientists has just carried out an autopsy on Lonesome George's cold corpse. The early signs, according to a press release just issued by the Galapagos National Park, are that he suffered a cardiac arrest some time on Sunday morning. His posture suggests he was walking. I am guessing that the postmortem will not tell us much more about the cause of death. In all of the thousands of news stories that have covered Lonesome George's passing, including in a short obituary I wrote for the Nature blog, you'll read that George was thought to
Extreme conservation: the story of Stumpy
In 2012, I travelled to Borneo with Thomas Hildebrandt and his colleagues at the Leibnitz Institute for Zoo and Wildlife Research to report on an operation they were to perform on a three-legged Sumatran rhinoceros called Stumpy. This formed the basis of a feature that appeared in Nature.


text:
I have been facilitating book discussion groups since 2000, most of them at Book Passage, an independent bookstore located in Corte Madera, California, and more recently at Point Reyes Books on the coast.
I'm called a "facilitator" because members of the group pay me to assign the novels (I now work with fiction groups only) and begin each meeting with a few words about how a professional critic might judge the book we're discussing. After that, I make sure everybody has a chance to talk as we go around the table. No one is required to speak, of course, but the discussion is easy and informal, and few people want to pass (they can always speak later if they do).
When the floor is open to discussion, my only job is to encourage people to ask questions and offer interpretations that get us deeper into the book. As a result, the most complex and multilayered work of fiction can be taken apart and laid out for all to explore, and in the process, the wondrous spirit of investigation that dominates the group allows for humor and (to me very moving) reflections by members throughout.
The group meets for two hours once a month for five months in two seasonal sessions. Fall Sessions, for example, take place once a month from September through January; Spring from February to June. The cost is $105 (I split this 50/50 with the store).
An Admission
I used to believe that book reviewers like me had no business in a book group. Critics, after all, are paid to be objective and impersonal so they can tell you if the book is any good, and they use that objectivity to measure the writing against centuries-old literary standards.
Book groups, on the other hand, work best when novels hit a nerve — the more personal the better. It's astounding to me that almost always, the more we talk about emotional reactions, the deeper are our insights into literary issues. And too, the more we dig into a book, the closer we get to that rich and elusive thing, the creative process, at the heart of all artistic ventures.
So my discovery about book groups has turned out to be the same as that of members: Drawing out and talking about things in a novel that are meaningful to each one of us contributes to a collective wisdom that builds and builds, reminding us how rewarding and important serious fiction can be in private life.
"Contemporary Classics"
The title for the group is "Contemporary Classics," which I have chosen as a deliberate contradiction in terms.
As most of us are taught in school, a book needs to stand the test of time before it can be considered a classic. It has to be reviewed widely, analyzed in literary journals, taught in graduate seminars and included in essays over a period of many years, even centuries (think of Homer or Voltaire).
But today in our fast-paced, post-Internet culture, critics and literary judges leap to praise books as "instant classics" soon after publication. Acclaim is heaped on, prizes are awarded and word is spread about the "great new classic!" with such excitement that time-honored questions about quality and literary worth are never asked.
Well: Are they or aren't they? Destined to be classics, that is. These are the kinds of books that the "Contemporary Classics" Book Group likes to hold up to scrutiny. We don't take on the easy-to-read potboiler or series mystery or smooth historical novel– you don't need a book group to uncover literary complexity in these.
Rather, for our group, the chewier, more dense and "hard to read" novel the better. We want to hold these hugely praised books up to scrutiny and see if they pass muster by our standards. Very often, we find that they don't! Or maybe they do! Sometimes the best, most lively and probing discussions emerge from differences of opinion as to how a Pulitzer or National Book Award or Man Booker Prize winner holds up.
I go into the idea of "serious literary merit" to stress that one needn't have read widely, studied literature or learned about literary criticism to join the "Contemporary Classics" Book Group. Just come with a commitment to read one book a month for five months, and let the developing wisdom of the group be your only guide. I may be the facilitator of this group, but over the years I've found that being a member has made me a better critical reader.


text:
What to do in Kemer
Antalya City
|Excursion, Day trip, sightseeing
You will drive to Antalya after gathered in places indicated before. Antalya, since Ottoman period,
is known with its trade. Also today Turkey's popular shopping paradise because vast in variety of spices, textiles, carpets, leather or jewelry; exotically or modern.
The first stop will be at one of the biggest jewelry centre of Turkey, which is also promoted by the government.
Read more about the day trip to Antalya
The Biblical Anatolian
|8 day's Excursion, sightseeing
The Biblical Anatolian
Day 1 Antalya Transfer Day 2 Perge – Aspendos Museum
Day 3 Olympos – Çıralı – Phaselis Day 4 Termessos – Tavas – Pamukkale
Day 5 Laodieca – Afrodisias – Kuşadası Day 6 Ephesus – Das Haus der Mutter Maria -
Artemis Temel – Mutter Maria Museum – St. Johannes
Day 7 Didim – Milet – Herakleia – Bodrum Tag 8 Transfer
Read more about the tour in The Biblical Anatolian
Blue Cruice
|8 day's Excursion, sightseeing
8 day's Excursion, sightseeing
The Blue Voyage is a sailing trip on a motor yacht in the most cleanest waters in the world, between Bodrum and Antalya, where the colors of the deep blue sea and the evergreen pine forests along the rugged coastline is particularly impressive.
Ancient cities such as Knidos, Kaunos Telmessos Antiphellos, Myra, Olympos, Phaselis and the rock graves of the Lycian cities are ready for exploration. Our yachts sail past you in the ancient region of Karia, the Lycian Coast and Pamphylia. *Read more about the Blue Cruice
Demre, Myra
|Excursion,Day trip, sightseeing
Demre was one of the most important cities of the Lycian civilization.
City is located 25km west of Finike and 48km east of Kas. Demre was a place of settlement from the 5th century before Hellenistic Period.
During the reign of Theodosius II (408-450 AD.), the city became the Metropolitan of the Lycians. *
Read more about the excursion to Demre and Myra
|Excursion, Day trip
Transfer from hotel to the diving centre.
There you will have information, administration and preparation for diving.
Diving equipment will be given on the boat. You will depart from the harbour to our first diving site and there and we will have information about the site and dive. Dive with experienced dive guides and instructors.
Then you will have lunch on the boat and surface interval and swimming/snorkelling break that you can enjoy. Then you will move to next diving site and information on the second site and dive. After this two diving sites you will go back to shore and drive back to your hotel.
|1/2 Day trip
A pleasant smile would welcome you right at the entrance. You will be fascinated about old, Turkish bathing-culture in a hot-air-bath which called "Hamam".
The Hamam, or Turkish bath, stands for far more than getting a leisurely bath or cleansing.
It is a rite and a ritual, in which the elements are harnessed for the cleansing and purification of the body. Since the beginning, the Turkish bath has been much more than just a place to cleanse the skin.
It was intimately bound to everyday life, a place where people of every rank and class, young and old, rich and poor, townsmen or villagers, could go in freely and socialized.
Just as hundreds of years ago, first, you will lay your body on a heated marble stone in the middle of Hamam that called "gobektasi", and sweat from all pores of your skin.
Afterwards, the pleasant procedure of the massage will begin. With much soap foam and relieve; you will massaged through by the person who called "Tellak".
At the end you will feel yourself very relaxed; and whole of your body is rubbed, cleaned and breathing. You will feel yourself another person, and definitely you'll get renewed and rested. 1/2 Day trip *
Jeep Safari
|Excursion, 1/2 Day trip
Followed by picking up guests we will drive to our meeting point. Here we get information.
Than we drive through the villages over Taurus Mountains. On the way we have breaks to take photograph, to see village life, depending on time, mosque can be visited too.
Having lunch in a village restaurant and driving on our route back to the meeting point and transfer to the hotels. 1/2 Day trip*
Lycian Way Hike
|7 day's tourtur/excursion..
Day 1 Antalya Transfer Day 2 Hisarcandır – Göynük
Day 3 Göynük Yayla – Gedeleme Day4 Gedeleme – Berg Olympos – Beycik – Çıralı
Day 5 Çıralı – Ulupınar – Chimera – Çıralı Day 6 Çıralı – Olympos – Berg Musa – Adrasan
Day 7 Adrasan
Read about the Lycian Way Hike
|Excursion, Day trip sightseeing
Pamukkale as called locally "Cotton castle" is a real wonder of nature with its white lime terraces. These travertine cascades lie about 90m high over the valley with a length of 3km. Its pure white beauty
formed by the mineral enriched thermal waters.The Hierapolis takes part close to the terraces, which will take you back to the ancient times. Than; we will drive through Dazkiri to the restaurant where we will have our dinner.*
Perge- Aspendos
|Excursion, Day tripr, sightseeing
Perge which was the capital city of the Pamphylia region, south western Mediterranean coast of Turkey.
Today it is a large site of ancient ruins 15km east of Antalya
in the coastal line. There is an acropolis located, dating back to the Bronze Age. In Perge you will see city gate, Roman Bath, Column Street, Agora and Stadium.
Aspendos was an ancient city in Pamphylia, Asia Minor. It was situated on the Eurymedon River about 10miles (16km) inland from the Mediterranean Sea.
The Greek spelling of the name is Aspendos. According to mythology, the city was founded around 1000 B.C. by Greeks who may have come from Argos
Aspendos has the best protected theatre of the little Asia, which the theatre has amazing acoustics and during the summer months concerts are held here (listening to an opera or a musical under the stars in such an ancient setting is an evening not to be missed).
At last you will drive to Side antique city, and we will see the splendid Agora, Theatre and Temples built in the seventh century B.C *
|Excursion, Day trip,
Would you like to avoid heat of Mediterranean coast for a day to leave yourself into marvelous natural beauty of "KOPRULU CANYON NATIONAL PARK"?
Would you like relaxing and peaceful atmosphere and also paddling on exciting river course for adrenaline at the same time?
Well, fun, adventure, relaxing and unforgettable moments awaits you!Rafting is one of the exciting adventures of outdoor sports. When you flow on the river with your boat, you'll reach the summit of your excitement.
Besides, you'll have satisfaction to watch unique panorama of canyons. Especially, having lunch in middle of beautiful natural views can't be described, you just have to live. Shortly, you'll have an excellent time in rafting. *
Lycian Adventures
|Walking in Lycia
|Excursion, Day trip
|Canyon adventure
|Excursion, Day trip, sightseeing
|Downhill Mountain Biking
|Excursion, Day trip
The Waterfalls
|Excursion, Day trip, sightseeing
You will drive our first point Duden Waterfall after picking up the guests. The waterfall, formed by the Duden River (one of the major rivers in southern Anatolia), is located 12km north-east of Antalya; which ends, where the limpid waters of the Lower Duden Falls drop off on a rocky cliff directly into the Mediterranean Sea with a dazzling show.
Afterwards you will drive to Kursunlu waterfall. Kursunlu became a national park in 1986 and opened to visit. Kursunlu falls down from 18m height.
Then we will drive to Yesil Karaman village here we will visit mosque, primary school and maybe one village house from ottoman times.
You will visit our last waterfall Karpuz Kaldiran Falls after having lunch.
Karpuz Kaldiran is one of the most beautiful waterfalls of Antalya which is falling down from 40m height like a water cloud with marvellous rainbow show.
After you will drive back to your hotel.
Yacht Tour
|Excursion, Day trip
You will be picked up from your hotel and driven to Kemer's Yachting Marina, and you will boarding on the Boat for a day full of fun and entertainment.
Firstly you visit one of the oldest ancient Lycian and Roman cities Phaselis. There is a theatre, Roman bath, and old Lycian harbor. We will also see the ruins of aqueducts, agoras, Roman bath, a theater, Hadrians Gate and an acropolis. Reveal the city's historical importance.
Some tours go's to the ancient city of Olympos
Your Lunch will be ready in Phaselis Bay.
You return to the boat and have lunch on the boat with an amazing view of Phaselis Bay, covered by golden sandy beaches.
You will be sailing on blue waters in the magic Mediterranean sea with a magic view of coast Kiris Bay and Tekirova, fishing, diving, and perhaps dolphins around boat. Enjoy your sunny days with fully leisure.


text:
Share Price History
Live and current Share Price History, accompanied by historical and comprehensive Security Price Chart, Investment Calculator and Historical Price look up feature.
Key Shareholder resources available for download. A selection of our latest highlights.
Key Contacts
Need more information? You can contact our share registry directly or send a personalised message to Elk.


text:
A swan guarding her eggs defiantly refused to move despite being shot by thugs and suffering appalling injuries.
The female swan was attacked with an airgun but remained sitting on her eggs, which were about to hatch, despite an ugly wound in her neck. Distressed members of the public contacted volunteers from Swan Lifeline, a swan rescue charity, after they spotted the injured bird. The vicious attack happened on the River Thames near Slough, Berks.
Wendy Hermon, the charity's treatment co-ordinator, said: "Five volunteers went out in canoes to rescue the swan. "The female swan was badly hurt and her chicks were about to hatch - we could hear one tapping inside the egg. "One egg was already cracked from the inside." Wendy's husband Steve managed to lift the reluctant swan off her eggs so she could be taken to the charity's headquarters to be treated.
She was put on a drip and the dedicated team at Swan Lifeline placed her four eggs under a heat lamp - all of them successfully hatched soon after (image 2).
Their mum remained poorly though and the chick's father had also been targeted by the thugs and had two holes in his neck. Wendy said: "It took us ages to catch him - about two hours. He is not as badly hurt as the female and we reunited them.
"Both had bashes to their beaks which suggested catapults had been used on them. I would like to sit the people who did this down and ask them what it feels like to shoot a swan that was just sitting on her eggs to protect them."
Thankfully, the two adult swans are making steady progress and staff at the charity are hopeful they will make full recoveries.
Airgun attacks on swans on the River Thames and are treated very seriously by police.
Killing a swan is an offence under UK law - the graceful birds belong to the Crown under an ancient charter. The birds are also protected by the Wildlife and Countryside Act. Swans are the property of The Queen and anyone who harms one may be prosecuted for criminal damage.
Killing or injuring a swan carries a £5,000 fine or six months in jail, while stealing a swan egg also carries the same maximum penalty.


text:
$ 3.50
Candy Bars,
Chocolate Covered,
Type: Chocolate Covered
Next →
← Previous
$ 2.99
Hercules Candies solid milk chocolate apple is an extremely versatile chocolate novelty. The milk chocolate...
View full product details →
$ 4.99
Hercules Candies large milk chocolate aspirin is a terrific pick me up for a sick...
Subscribe to our newsletter and always be the first to hear about what is happening.
Copyright ©2017 Hercules Candy Company. All Rights Reserved. 720 West Manlius Street, East Syracuse, NY 13057 315-463-4339
Powered by Shopify


text:
The "Erebos by Ursula Poznanski" book review
Enter. Or turn back. This is Erebos.'..Nick is given a sinister but brilliant computer game called Erebos. The game is highly addictive but asks its players to carry out actions in the real world in order to keep playing online, actions which become more and more terrifyingly manipulative. As Nick loses friends and all sense of right and wrong in the real world, he gains power and advances further towards his online goal - to become one of the Inner Circle of Erebos. But what is virtual and what is reality? How far will Nick go to achieve his goal? And what does Erebos really want?..Enter Erebos at your own risk. Exciting, suspenseful and totally unputdownable...
This book is the bomb...I normally don't review books I read in German but when I heard that it's also available in English I changed my mind. This is one of the best books I've read by far. It's amazing, it makes you forget about everything that you needed to do ( in my case learning for a test in chemistry) and it will send shivers down your spine. First of all the cover is so gorgeous, but as you may or may not know all the covers of Ursula Poznanski's books are gorgeous! It's also pretty creepy because the eye on the cover makes you feel like you're being watched. The book is a thriller, which is not really a category of books I read very often but this one is a big exception. So the book is told in the point of view of Nick who also gets to play this game called Erebos. Most of the parts in the book are about the scenes of the game in the point of view of the game character of Nick. Which also includes fantasy so maybe that's why I love it so much. Nick soon gets addicted to the game and doesn't really notice that something is very wrong with the game. It knows everything about Nick and one time he messes up an action he should have done in the real world and he gets kicked out. Nick is desperate to get back into the game but fails trying. He then realizes that something goes terribly wrong and he tries to discover the truth about Erebos. Until the end it's a matter of life and deaths and this book is now on the list of my favourites of 2016!
5 out of 5 cupcakes ( I would give it more points if I could)


text:
15 firms now face annuities inquiries,
Regulators look at ties between insurers, brokers
By Andrew Caffrey, Boston Globe Staff
February 18, 2005
Fifteen financial firms, including some of the nation's largest brokerage companies, are being questioned by state regulators in their widening investigation into whether senior citizens are being sold variable annuities that are not appropriate investments for them.
The state Securities Division yesterday issued subpoenas to a dozen additional banks and brokers, seeking information about sales of variable annuities to clients age 75 or older. In particular, regulators are trying to determine if the banks and brokerage firms have favored relationships with insurance companies and receive special compensation for selling the insurers' annuities.
Although regulators have not issued subpoenas to insurance companies, the Massachusetts Division of Insurance is assisting in the state investigation.
''It's snowballing," said Secretary of State William F. Galvin, whose office has received dozens of additional complaints since last Thursday when it accused Citizens Financial Group's investment arm of ''unethical or dishonest conduct" for ''systematically targeting" senior citizens for sales of variable annuities. Galvin previously had disclosed his office also was investigating two other large banks in Massachusetts, Sovereign Bancorp, and the former FleetBoston Financial Corp., now owned by Bank of America Corp.
Some firms were subpoenaed because Massachusetts received specific complaints about them; others got them because regulators wanted to broaden their fact-finding to learn more about variable annuity sales practices.
The banks include Century Bancorp Inc., Banknorth Group Inc., Eastern Bank Corp., and Medford Co-operative Bank, which is now owned by Brookline Bancorp Inc., while brokerage and financial firms that Galvin said he subpoenaed include Morgan Stanley, UBS AG, Merrill Lynch, Wachovia Securities, American Express Co., Advest Inc., and Infinex Investment Inc., a Farmington, Conn., brokerage that provides investment services to around 85 small community banks in the Northeast and Florida and is owned by some of its member banks and associations.
Galvin and other critics argue variable annuities are inappropriate investments for senior citizens, who because of their age may need immediate access to their money, for medical or other emergencies. Variable annuities are uninsured investments that carry high fees, have surrender fees of as much as 7 percent that investors must pay for withdrawing money early, and often expose those investors to greater market risk.
Additionally, Galvin complained that banks and their investment arms are pressuring elderly clients to buy variable annuities, which carry market risks but also pay commissions to brokers, when their certificates of deposits mature, rather than rolling the money over into bank investments that are insured and guaranteed.
The complaints he said his office received include that of a 78-year-old East Springfield woman who was in the early stages of Alzheimer's disease when she was sold a variable annuity by Fleet to replace maturing CDs; and a 75-year-old East Falmouth man who needed access to his funds for his wife's cancer treatments but was instead sold a variable annuity by Advest five years ago that has since lost half its value.
''This is a form of elder abuse if I ever saw it," Galvin said.
Yesterday the National Association for Variable Annuities said the investment vehicles can be ''appropriate" for some senior citizens, ''depending on their circumstances." ''With people living longer, even older investors can benefit from the insurance guarantees offered by variable annuities," the trade group's chief executive, Mark Mackey, said in a statement. ''To the extent that there have been unsuitable sales of variable annuities to seniors, those responsible should be held accountable."
A spokesman for Bank of America, John Yiannacopoulos, said Fleet's Quick & Reilly brokerage unit has received ''a relatively small number of customer complaints related to variable annuities. We're focused on addressing every client complaint we've received. Our policies and procedures are designed to ensure we serve our clients well on the basis of their needs and objectives." Bank of America has since combined Quick & Reilly with its own brokerage unit.
An Advest spokesman said the firm was not aware of a subpoena from Galvin.
Most of the other brokerage firms and banks subpoenaed either did not return calls, or declined to comment beyond expressing a willingness to cooperate with Galvin.
Infinex general counsel Bill Cummings said ''as far as we know there have been no complaints against" the firm.
Brookline Bancorp chief executive Richard Chapman Jr. said Massachusetts will hit a dead-end investigating his company.
"We don't have any broker-dealer relationship. We don't sell annuities," Chapman said." If someone comes in here, we sell them CDs."
© Copyright 2005 Globe Newspaper Company
Click here to return to our homepage


text:
100% Satisfaction Guarantee
We stand behind everything we sell
low price guarantee
We'll price match from any competitor!
Unlimited Returns
Return any unused item anytime
Aggressive in Style. Powerful in Protection.
Introducing Bauer's IMS 11.0. This aggressively styled helmet - available in two-tone customized color options - features the SEVEN TECHNOLOGY™ liner system and PORON® XRD™ foam to manage high energy and low energy linear forces.
Seven Technology™ - Protection Against Extreme Force
Seven Technology™ manages high energy linear impacts
Poron® XRD™ - Ultimate comfort and protection
Poron® XRD™ foam is a pliable material offering maximum comfort with the ability to dissipate extreme force
PROFIT2™ - Ensuring Proper Fit
IMS 11.0 Features a 1-piece shell with PROFIT2™ tool-less adjustment system.
Bauer IMS 11.0 Helmet Specs
Game Day Protection
Customized Fit


text:
In the world of theatre, a lighting designer is described as the following:
"The role of the lighting designer is to work with the director, choreographer, set designer, costume designer, and sound designer to create the lighting, atmosphere, and time of day for the production in response to the text."
No matter what brought you to our website, chances are you probably don't have a background in technical theatre. Maybe you have seen some popular wedding TV shows on one of your favorite networks and thought, "Wow, I'd really like to have lighting at my wedding." You may even be asking yourself, "Do I even need lighting for my event? What's the big deal?"
Whatever your current lighting knowledge base, our qualified lighting designers at ILD can provide you with valuable tools, ideas, and resources not found in any TV show, blog, or gossip column. Each week we have the pleasure of working with the area's top event professionals, at some of the most beautiful and elaborate event locations across the state.
Each event is uniquely different, tailoring the specific needs of our clientele. Trust your next event design or production to the professionals at Intelligent Lighting Design.


text:
Audrey Sizemore Frier
An idea w/questions that was a big hit today!….I typed out DIFFERENT questions in the lesson in a certain section in Lesson #39 (you could do this w/ANY Lesson/Questions), then passed out all of the questions to 'some' of the students. All students were assigned a group….we had 3 groups/3 questions. They had to read the question and come up suggested answers in each group. When I said 'fruit basket turn over' everyone except the person given the question (The Reporter) would find a group they had not been in before. After switching (calling out 'fruit basket turn over) 3 times, the person given the question (Reporter) read the question and gave the suggested answers. All participated in EACH question an all questions were answered correctly! EVERYONE participated and loved it!…this did not take long :) …Another way to have the students 'willfully' answer…
our Teaching No Greater Call Manuals have a 'Creativity in the Classroom Section'. It explains how to have the students be 'human tic tac toe'….9 chairs in the center of the room…when someone from the (2) teams…X's and O's… answer a question correctly they could take a seat to try to make 3 across…diagonally…or up/down, just like on paper. They ALL wanted to answer the questions/share testimony etc to get a chair and try to block the other team…. I marked the X's team w/ blue painters tape…I will definitely use these 2 ideas again! PS It goes fast so we played 3 times to finish the questions…winners 2 out 3 times won a lil snack baggie w/gummies and M & M's…the 'runners up' got a snack baggie w/either gummies or M& M's….at least that was the plan…Ole softy here ended up given whatever they wanted ;)
Source:: LDS Seminary Teacher Group


text:
The number 1 song in the nation:
For the second week your #1 song is by Icelandic band Kaleo. They once performed their #1 hit "Way Down We Go" in a volcano. How Icelandic is that? Check it out...
This Week's Biggest Mover:
This week's biggest mover is tied between two singers both up 10 places.
Keep your eye on 17 year old Declan McKenna. He leaps from 18 this week to number 8 on the chart with his song "Brazil" a sharp piece of commentary on sports money and politics in the shape of a three minute pop song. Clever!
David Myles is also up 10 places making a adventurous advance from from 20 to 10. Here he discusses his creative process with Producer Classified.
One to watch:
The Tragically Hip have the highest new entry this week at number #4. Their song "In a World Possessed By The Human Mind" is the first single taken from their 14th album Man Machine Poem released on June 17th. Great video, check it out.
Radio 2 Top 20 for April 22nd, 2016
1. Kaleo, "Way Down We Go"
2. Case/lang/Veirs, "Atomic Number"
3. The Lumineers, "Ophelia"
4. The Tragically Hip, "In a World Possessed By The Human Mind" (NEW)
5. Charles Bradley, "Ain't It a Sin"
6. Fitz and The Tantrums, "Hand-clap" (NEW)
7. Matt Andersen, "Honest Man"
8. Declan Mckenna, "Brazil"(Joint High Jumper, Up 10)
9. Edward Sharpe and the Magnetic Zeros, "No Love Like Yours"
10. David Myles, "It Don't Matter" (Joint High Jumper, Up 10)
11. Jane's Party, "Coming On Strong"
12. Paper Lions, "Call Back" (Most Online Votes + (NEW)
13. Danny Michel, "Good Old Days"
14. Big Little Lions, "Fill Me Up"
15. Roxanne Potvin, "I Thought I'd Miss You"
16. Royal Wood, "Come Back To You"
17. Sweet Alibi, "Middle Ground"
18. Cage The Elephant, "Trouble" (NEW)
19. Jim Bryson, "The Depression Dance"
20. Paul Simon, "Wristband" (NEW)
Follow us on Twitter: @CBCR2Top20