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5 "Must Read" 2015 Articles for the 401k Plan Sponsor and Fiduciary – Honorable Mention
Nothing signals the long slide into the year-end than a series of annual top ten lists. We'll save that story for next week. In the spirit of "misfit toys, however, here are five popular articles from 2015 that didn't quite make next week's top ten list. They stand out as powerful in their own right, each either asking or answering critical questions every 401k plan sponsor and fiduciary must address. We'll call these fearsome five our "Honorable Mention" list. Feel free to add to the comments after each of these articles.
#1: "What does Retirement Plan "Best Interests" Really Mean for the 401k and IRA Fiduciary?" – There are good examples of "best interests" and bad examples of "best interests," but the ugly truth is we won't know the practical definition of "best interests" until the courts decide. Such is the new reality created by the DOL's proposed fiduciary rule. This article not only introduces a vital discussion, but it also revealed that many don't understand the true meaning of "fiduciary." Fortunately, #3 (below) on this list addresses that.
#2: "Why Asset Allocation Doesn't Matter In The Long Run" – This was one article in a series of five featuring our ongoing "7 Deadly Sins Every ERISA Fiduciary Must Avoid" exposés. This one was the most popular, but, taken together, all five installments offered some very revealing – if not controversial – data. Just check out the graphs in this article. The results are in. Sometimes the truth can hurt, but numbers don't lie. Asset allocation doesn't work in the long run. Rebalancing doesn't produce better returns in the long run. In short, asset allocation as popularly practiced is myth.
#3: "When Must a Fiduciary Just Say 'No' to a Client?" – This is a critically important article, as it pretty much defines the difference between a fiduciary and a product salesman. The article stems from several public discussions where professionals claiming to be fiduciaries stood by the mantra "the customer is always right." As this piece explains, that's not true if you're acting in a fiduciary capacity. What is right is always right, even if the beneficiary disagrees. Indeed, the fact the beneficiary may not know what is always right is the entire reason why a fiduciary is hired in the first place. When it comes to being a fiduciary, the customer is, most assuredly, not always right.
#4: "The Best Way Plan Sponsors Should Pay Fees for 401k Fiduciary Advice" – It seems there's a lot of chatter about competing fee models. It's almost got to the point where people are expecting not to pay anything. Does that sound reasonable? Obviously not, but you wouldn't get that impression from some of the other media reports. In the end, you've got to consider this: Someone who visits the doctor for a regular check-up pays more than someone who doesn't. Guess which one is healthier.
#5: "Exclusive Interview: Andrew Golden Reveals the Huge Fiduciary Conflict-of-Interest Nobody Talks About" – Despite some very well-known interviewees, this was 2015's most popular "Exclusive Interview" article. Among other things, Golden tells us how David Swensen's books have explained why a fiduciary cannot use a cookie-cutter approach. To him, this represents an under-reported fiduciary issue. It makes sense if you think about it. Much of what's written about investing tends to skew towards institutional clients which, by their very nature, tends to be a demographic/actuarial exercise. The same can't be said of individual clients, yet the implication is too often that they should be treated the same as institutional investors.
Did these five articles whet your appetite? Read next week's blockbuster "Top Ten Most Popular 2015 FiduciaryNews.com Articles" and discover if you've remembered how these important trends will influence the coming year and beyond.
Are you interested in discovering more about issues confronting 401k fiduciaries? If you buy Mr. Carosa's book 401(k) Fiduciary Solutions, you'll have at your fingertips a valuable reference covering the wide spectrum of How-To's every 401k plan sponsor and service provider wants and needs to know. His latest book Hey! What's My Number? – How to Increase the Odds You Will Retire in Comfort answers the same questions from the retirement saver's point of view and is also available from your favorite bookstore.
Mr. Carosa is available for keynote speaking engagements, especially in venues located in the Northeast, MidAtantic and Midwestern regions of the United States and in the Toronto region of Canada.


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Are donations charged to the donor's cell phone bill?
No. There are many disadvantages to your organization to collect donations this way.
- Must meet multiple qualifications (minimum $500,000 annual revenue, 501c3 status, etc).
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subset: commoncrawl


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Promoting Innovative Research with Impact
Get In On The Action Research
Bridging the Knowledge Gap
Speak to us Today
Putting Research Into Action
Speak to us Today
Keeping You In The Know
At LEXXER our business is knowledge and how it can be developed and used commercially. We view it as a valuable commodity, which will give you an advantage in your chosen field. Whether in providing innovative and effective solutions, a range of advice and intervention services or advocacy knowledge underpins all we do. In short we keep you in the KNOW!
Like many new ideas it appears complicated but it is the development of a process we all do every day – if we are lost or have a problem we ask someone who knows. LEXXER Solutions simply manages that process for you and makes sure who you rely on for help actually knows what they are talking about. Knowledge Brokerage really is a No Brainer.
Knowledge Brokering, is a systematic approach to seeking external ideas from people in a variety of industries, disciplines, and contexts and then of combining the resulting lessons in new ways. The collaborative space provided acts as a catalyst for new innovative ideas and solutions to problems.
At LEXXER Solutions we are inspired by the Renaissance where the power of ideas and knowledge revolutionized the world. Our Knowledge work is grounded on what we call Dx3 the Discovery, Development and Dissemination of Knowledge. This places us at the nexus of universities, research institutions, think tanks and the commercial and community sectors.
As a Knowledge Broker LEXXER is both a guide and a gate keeper working to pair internal "seekers" with external "solvers." The value of an expert who will source the best knowledge and most innovative solutions from a range of disciplines allows for organisations and companies to break free from traditional tired ways of thinking. Fresh ideas from outside you box applied analogically will prove the best solution you need.
The result is problem solving, product development, service enhancement and process innovation. Our development of a Web-based social-networking framed Knowledge Management System called The ORACLE means that the collective know-how of thousands of academics, experts, practitioners and peers is more accessible than ever.
LEXXER Solutions – The Answer
The LEXXER concept is grounded upon research, which builds upon and connects up work from separate areas in a way that generates new perspectives, fresh insights and innovative methodologies which expand and refine knowledge of a particular problem providing effective solutions.
We have developed our approach to Research with the VARSITY Concept which will ensure research is fit for purpose and geared towards commercial application. We mean business about research and together we can make it pay. VARSITY provides a framework for ensuring world class research. It will focus on
- VALUE – in the commissioning and development of research value for money, an intrinsic value in the work and a valuable marketable end product will be ensured.
- ACTION – a clear action plan with measurable milestones and outcomes will take research forward and will ensure that it is fit for purpose and will be put into action.
- RELEVANCE – real world requirements will be applied to ensure that it remains relevant and usable, leading the field with an identifiable objective.
- SUSTAINABLE – research will be required to meet a series of sustainability tests which will ensure that it becomes more self sufficient and self promoting.
- IMPACT – the potential impact will be assessed and audited with a clear vision for maximising both the audiences and the applications of the work.
- TEACHING – education and training will be promoted as part of the programme to ensure researchers remain part of a wider academic community.
- YIELD- the profit made will be reinvested into the research work to provide an incentive for further development and a maximiser effect.
We provide and promote research under the themes of :-
Qualitative research takes you deep into consumer or client understanding and perception – providing valuable insights into your products, and services. Our innovative social science based methodologies use a variety of means to find out more LEXXER's experience ensures that the research is designed to deliver what you need to meet your business objectives, using evidence-based approaches to let you understand your consumer
Whether face-to-face or online research is needed, LEXXER can undertake quantitative market research anywhere in the world. This will help you with product or service development and optimisation,helping you to understand consumer or client perceptions. Our analysis and interpretation expertise, we will ensure that the research provides you with the commercial advantage – KNOWLEDGE.
The ORACLE knowledge management system allows the LEXXER team not only to draw upon a database of academics and experts but also a repository of knowledge, research, innovation and solutions which we refer to as our Knowledge QUARRY. Here we can mine and design solutions for you from existing knowledge cutting time and costs.
Some of the range of knowledge brokerage opportunities where we have worked with clients to provide support, services and solutions.
Unlocking the Power of Knowledge
Knowledge brokering offers you an analogous capability. This is simply taking an idea, or process or piece of knowledge from one area or sector and applying it to another, by analogy we reach a new solution. These connections are made by our team of knowledge brokers—who create the space and time for an exchange of knowledge which combines the external ideas with internal ones to improve your business processes.
At LEXXER we wish to take international best practice and apply it to Northern Ireland in order to develop it as a world leading Knowledge Economy. While some sectors like engineering, bio-technology and IT are already quite well advanced with important partnerships between business and local universities, others have yet to discover the potential.
Therefore we wish to focus on what is known as the Third Sector – community and voluntary groups charities and not for profit organisations, which is well developed and has achieved much in the wake of recent conflict, however decades of accumulated knowledge and experience is often lost when projects stop, funding is not secured or staff move on.


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The Nashua Regional Planning Commission (NRPC) has been "testing" the City's streets for bicycle-friendliness over the past few months as part of the Plan4Health Nashua complete streets project.
Plan4Health Nashua is also supported by the Greater Nashua Public Health Advisory Council, and was selected as a priority project for implementation in the 2015 Community Health Improvement Plan.
City of Nashua, New Hampshire Public Health Association (NHPHA), and Healthy Eating Active Living (HEAL NH), as well as several community organizations such as NeighborWorks Southern New Hampshire. The project began earlier this year with a $125,000 grant from the American Planning Association (APA) to support active transportation in Nashua. The goal of the project is to advance street planning and design that support safer and easier ways to get around for pedestrians and bicyclists.NRPC is one of several partners working on the Plan4Health Nashua project. Other partners include the
To help determine how suitable Nashua streets are for bicyclists, NRPC used a method that considered level of stress (LTS) data for bicycle suitability. This method was first used last year in New Hampshire as part of a New Hampshire Department of Transportation (NHDOT) pilot project. For the Plan4Health Nashua project, an LTS score was given to every segment (i.e., street or road), approach, and intersection in Nashua to help determine how easy or difficult it is for bicyclists to get around the City.
Segments, approaches, and intersections are given an LTS score from 1 to 4, with 4 being the most "stressful" – or least suitable for bicyclists. Several criteria are taken into consideration when calculating the LTS score, including the presence of a bike lane, street and shoulder width, traffic signals, presence of a median or pedestrian island in a cross street, speed limit, and on-street parking.
The NRPC analysis identified five areas within the City – including the Tree Streets and French Hill neighborhoods – which show high LTS scores, indicating they are less bicycle-friendly. These five neighborhoods represent 50% of the Nashua population, and include areas with the greatest social, economic, and environmental disparities according to U.S. Census Bureau data.
In addition to the quantifiable attributes this methodology provides, LTS scores can be adjusted for other things that commonly affect a bicyclist's comfort level, including lighting and overall feeling of safety, pavement conditions, steep hills, and, of course, traffic volumes. NRPC is reaching out to the community to help make adjustments to the LTS data based on these factors.
NRPC will be conducting a similar study for walkability over the next few months. Once completed, the bikeability and walkability data will be used to analyze gaps in neighborhoods where riders and pedestrians can't easily get to destinations because of high-stress links and crossings. This information will ultimately be used to develop a guidebook to help inform future planning in Nashua.
HEAL NH is a key partner of the Plan4Health Nashua project, which helps advance one of the primary Active Living objectives outlined in the Healthy People Healthy Places Plan that "all New Hampshire communities are built to support walking, biking, and other active transportation options."


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6 Productivity tools that I use everyday
When I had a physical store, I was busy. Busy was quite an understatement! There was always something going on and very early I realized that if I didn't want to drown in the Tsunami of paperwork and constant putting out fires, I had to get myself organized. I carefully laid out every process, every system, every scrap of paper had a place to go. It was a crucial foundation that helped me have a life outside of a store open for 10 hours every day!
Fast forward to today, my business has grown tremendously in the past few months and I am now at a point where that time has come to put systems in place. At the store, the goal was organization but now as an online entrepreneur, I have come to learn that the goal is productivity. I finally understand why there are a plethora of productivity books!
Here are the tools that I am currently using that are helping me to be my super productive self! I have tried and tested a lot of tools and based on my process and my personality, these tools work best for me.
FYI, I am not affiliated to any of the links below, these are the tools that I use personally.
The biggest beast of all. Social Media. I have tried a lot and I mean a lot of social media automation tools. Have paid for some and have tried them out for free. We finally have a winner that is working out great for me. Drumroll please, it is MeetEdgar. I love MeetEdgar because it lets me populate my podcast tweets and posts and I can forget about it! Imagine having to remember which podcast episode or blog post you posted on social and what you have to do now...well you can do it...on an excel spreadsheet (hey I have done that before!) but this is way easier.
I use Meetedgar for Twitter, Facebook Pages, and LinkedIn. Yes, you can use it for Facebook groups too, I just haven't tried it yet. I love MeetEdgar and it really does make my life so much easier!
For Instagram, I just started using Schedugram. I think it is easier than using Instagram on Hootsuite (which also I have tried by the way). In Hootsuite you have to post it yourself versus Schedugram where it does it for you As you can tell, I don't like to remember things nor add more to what I already have!
A tool for monitoring your lists and influencers on Twitter. There are two here that I have used Hootsuite and TweetDeck. Hootsuite of course is the paid version. I am now moving to Tweetdeck since I am moving away from Hootsuite altogether.
So TweetDeck or Hootsuite are both great for social listening. You can take our pick.
Another super effective app is IF or previously IFTT- If this then that. This is a nifty tool. You can create recipes for example, If I post on Twitter, then post it on Facebook. There are unlimited recipes you can create and it is so handy when you want to save time.
Here is a recipe that you can use- If you post on Instagram, Pin it on Pinterest.
Dropbox. Dropbox is a favorite. I have set it up where it automatically saves all the files and photos that I have on my phone. It not only gives me peace of mind, it also helps me free up space on my phone..which is an ongoing battle.
Trello is another tool that I currently use that totally helps keep me on track. I use trello boards for repetitive tasks. For example when I have to produce a podcast episodes. I have laid out all the steps on a Trello board and all I have to do is check each one off and I am done. I have numerous boards for various different projects. It helps keep me organized and all my thought together.
Evernote. I have even given quick presentations on Evernote. Outside of the notes and the other regular things evernote does.I love their Chrome extension that you can download. It helps me capture ideas ideas/web pages for later use.
These are some of the tools that I use regularly nowadays and they really help me stay on track. If you have any questions on how to use any of these efficiently, let me know and I can go in depth..trust me, I have done all the research and learnt all the little quirks and shortcuts!


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your home away from home
Our Villa
Our spotless villa features high-quality fixtures and fittings. It is nicely furnished throughout to a high standard. It can host up to 8 guests and we also provide two cribs and two high chairs for the youngest one (free of use) and a stroller. The living room and master bedroom both overlook the extended pool-deck with oversized pool and jacuzzi, facing east. Pool and jacuzzi have sun all day and the extended pool-deck provides lots of shade to prevent you from getting a sunburn. So it's completely up to you if you want to take a sunbath whole day.
We have been short term renters for many years. We know what guests need to have a wonderful vacation. We would not accept less ourselves. It gives us pleasure to share our experiences to the benefit of our guests. The villa offers interactive cable tv, with hundreds of TV channels, including HD-TV, Disney Channel, ESPN and HBO, free international phone calls (to landlinenumbers in the US & Canada and Western Europe) and free wireless broadband internet access. Bring your own laptop, go on-line and check your e-mail or surf the web.
We could go on and on about the quality of this home. No wonder. It is the perfect place to enjoy a wonderful vacation and we are excited coming back every time again and again.
All those little extra luxuries that make all the difference.
Our garantueed spotless Villa is decorated to a very high standard and is constantly maintained to keep our high quality level. We have taken care of everything and it will be hard to find anything that will be missed. Compare our home to other properties and you'll see why our home is ticking all the boxes.
- Comfort seating
- Spacious area
- Ceiling fan
- Central airconditioning
- 42" HD flat TV
- Hundreds of free TV-channels, with dozens of HD channels, provided by Summit Broadband, including HBO & Disneychannel
- DVD player
- AppleTV Mediaplayer, offering over 1200 digital Movies in HD-quality
- Free High Speed internet (WiFi)
- Free domestic and international phone calls
- Ceramic dining table
- Seating for six
- Two highchairs (free to use)
- Alle dishes & utensils provided
Living Area
Game Room
- Two foldable cots/cribs /Play Yard
- Two High Chairs
- Stroller / Buggy
- Booster / Car seat
Four bedrooms, sleeps eight people
Mattresses in King and Queen are new *2017
Master bathroom, ensuite
Family bathroom (Jack & Jill
- Pool table
- Air-hockey
- XBox-360 & Kinect
- Sselection of Xbox-360 (incl Kinect games)
- Sony PS2 gameconsole
- Collection of PS2 videogames
- Selection of Board games
- TV & DVD-player
- Large oversized pool (size: 27 x 12 ft; deep: 2 to 6 ft)
- Jacuzzi/Spa (approx 6 people)
- Complimentary Solar heating all year round
- Electric heating optional (extra charge), recommended from October to April)
- East-facing patio/deck and pool. Pool has sunshine all day, in winter deck/patio has sunshine until 4 PM
- Fully screened pool and deck
- Extended pooldeck and patio
- Comfortable and spacious outside Florida Living!
- Privacy garantueed (no rear neigbors)
- Luxurious & comfortable patio furniture seating 10 people
- One ceramic table with six chairs and one round table with four chairs
- Two sunbeds
- Electrical BBQ (free of use, guests must clean after use)
- Pool Towels


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Mt. Washington Cog Railway History
His dream began in 1852 when, after becoming lost and nearly losing his life trying to summit Mount Washington, Sylvester Marsh happened upon the Tip Top House where he stayed the night. While recuperating from this experience he decided that there had to be a better way for people to reach the highest mountain peak in the Northeast. Upon his return home, he immediately started working on a plan to build the world's first mountain-climbing cog railway.
Marsh, a native of Campton, New Hampshire, had made his fortune in Chicago's meat-packing industry and was considered by his contemporaries to be a creative and innovative thinker. However, upon first presenting his idea to members of the New Hampshire Legislature, they laughed at Sylvester Marsh and said that he "might as well build a railway to the Moon."
Undaunted and driven by his contemporaries' skepticism, Marsh began the task of building his mountain climbing railway, along with inventors Herrick and Walter Aiken, a father-and-son team from Franklin, New Hampshire. The task was not an easy one, as equipment and materials had to be hauled by oxen for 25 miles to Bretton Woods, and then another six miles through thick forest on "corduroy roads" to the base of Mount Washington. But on July 3, 1869, 'Old Peppersass' became the first cog-driven train to climb 6,288-foot Mount Washington.
One Hundred and Fifty Years later, The Mount Washington Cog Railway is designated a National Historic Engineering Landmark and part of our American heritage. Complete with vintage steam engines and replica coaches, as well as environmentally friendly biodiesel locomotives, the Mount Washington Cog Railway is a "must do" while visiting the White Mountains of New Hampshire.
In 1983, The Presby and Bedor Families became owners of The Cog. Lacking commercial grid power and winter access to the base station progress was slow at first, but the Immediate restoration and rebuilding of the locomotives and aging track system began. By 1994, for the 125th anniversary, a new base station was built. In the last 20 years, new switches and a passing loop were designed and installed, environmentally-friendly biodiesel locomotives were introduced, passenger cars were redesigned mechanically and massive track improvements were made. The first biodiesel locomotive christened in 2008 Wajo Nanatasis (Native American Abenaki for "Mountain Hummingbird"), significantly reduces emissions and our reliance on foreign oil. Over the next several years, more biodiesel locomotives were added. All were designed and built by the Cog's local work force of talented craftsman and engineers in the shops of the railway located at Marshfield Station. The Cog still runs two steam locomotives along with seven biodiesel locomotives.
What's Next for the Cog Railway?
In 2017 the Presby Family consolidated its ownership of the railway and are currently involved in a massive multi-year project to further upgrade and enhance the railway's operations. These projects include the building of another diesel locomotive, enhancing the technology of its coaches to provide a quieter and smoother ride, replacing all the rail used on the rail line and making renovations to the base station, including a new work shop and many other surprises to come. The Cog will celebrate its 150th anniversary in 2019. To celebrate this milestone, the Cog has kicked off a program of special events culminating with a public anniversary bash in the summer of 2019.


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An old friend caught me in email on my recent piece on Apple and had a very valid criticism: that I'd gone into detail about what I saw was wrong with Apple, but didn't really offer any action plan on what to fix it.
She was right, and so I sat down and thought about what I would suggest if Apple were to ask (which they haven't, so yes, more unsolicited advice from the peanut gallery).
My advice boils down to two key items.
Slow down and sweat the details again
If I could only offer one thing to Apple, it's this: "it's okay to slow down — a little". The iPhone has to ship a new version ever year, and you can't take your eye off that for a minute, but other parts of the product line don't need that kind of continuous update. MacOS would be okay with a new release every 18 months or two years, or a feature release as a tick and a performance release as a tock in a two year cycle.
Same with Mac Hardware. I wouldn't be upset at all if the Laptops were updated one year and the Desktops were updated the year after in a two year cycle: as long as we understood this was what we could expect.
And the watch: the series two hardware is surprisingly good and with current WatchOS software even my Series 0 works quite well. The hardware doesn't need to be spun to a new version every year. There seems to be magic appearing in the watch software, so it's still an annual cycle for the foreseeable future.
The TV can also be put on a two year hardware cycle. The software will depend a lot of what innovation they can do based on the deals they can make with media creators and distributors, but there's a lot of upside in the TvOS to keep them driving this forward.
Apple has the ability to give themselves a bit more time to breathe and sweat the details and I'd love to see Apple do that, because with the sheer size and complexity of Apple's product line now, it's struggling to get that quality that defines Apple into everything as reliably as it should. It is trying too hard, and sometimes it shows.
Join the conversation
My second suggestion to Apple is "talk to us more — at least a bit". The world has changed since Steve came back to Apple and clamped down into secrecy mode to kill all of the leaking. Today, the leaking happens away from Apple, mostly out of the supply chain, and while I think Apple has come to terms with that and handles it pretty well, the entire online/social-media universe has reshaped how conversations happen and spread, and if you aren't part of that conversation today, others will create that conversation for you.
If you want to manage and direct that conversation and minimize the uninformed speculation, you have to be more directly involved in it. At the same time, I'm not suggesting Apple stop "being Apple" because culturally, it can't. But it's my belief that if they had added one slide, taken 30 seconds at the MacBook Pro announcements last fall, and said "we have new desktops being worked on, you'll see them next spring, and I think you'll really like them, but we can't ship them sooner or we would" it would have prevented most of the current unhappy chatter going on about Apple today.
When people are nervous, when they don't know what might happen to the things they depend on in their life and work, they start speculating. And when there's nothing to fill the space in the social media and online conversation space, that speculation ends up taking on a life of its own, especially the speculations of the better known, louder enthusiasts and influencers. The best antidote for that is to get in front of it with enough information to prefer the speculations from catching everyone's attention in the first place.
If Apple doesn't foster those conversations directly, then the analysts and bloggers and the podcasters will in its absence. Apple needs to realize this and join the conversation with us now.
(and… it's why I've said making sure the influencer/power-user niche is a strategic niche that should have its needs covered…)
Relatively small things can make a big difference
Neither of these are earth shattering or require massive organization upheavals, and they work within Apple's existing culture. Apple's creation of the @applesupport twitter account (which I think is quite good) shows they see the need to start engaging with users using these channels. I'm just suggesting they do a bit more of that and start setting expectations for all of us up front so that we don't fill the conversation vacuum with our own speculations instead. Especially since we've seen 3-4 cases where Apple has had to step into and try to manage a conversation that was spinning out of control.
(as an aside, I find it interesting that Apple seems to have chosen the "Tim writes an internal email that he likely knows will get leaked" as a tactic here, because I'm guessing it being a leak prevents it from being liable to the same kind of SEC "forward thinking" rules and regulations that his more formal communications might be held to. Nice hack)
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The correct analysis is that both deflation and inflation are possible. Anyone who warns just of inflation or deflation is missing half the puzzle - James Rickards
A few years ago, I spoke at my annual preparedness conference on the risk of another financial downturn. I think I may have stunned, if not outright upset, some of the attendees when I said:
Guys, here's the good news about the next financial crisis. We now know what one looks and feels like. We know it's survivable. And best of all, we know now what to do to protect our finances.
Perhaps they were taken aback by my use of the term "good news" when discussing the next financial crisis. While there's no doubt the crisis we endured ten years ago altered countless lives and our nation's history, we also learned a lot about ourselves, our economy and our government during that era.
Fast forward ten years. I've done several YouTube videos over the past year on the need to have a financial plan for when the market has its next big downturn. Today, I'd like for us to discuss what that means and how someone could go about doing it.
I'm not talking about the garden variety market corrections we see from time to time, which are necessary to a healthy marketplace. I'm talking about the need for a plan in the event we see something like we saw in the 2008 financial crisis.
I won't spend a lot of time making the case that such a financial crisis could occur again. As I talk to people about the prospects of another crisis, I find people either believe that it can happen again...or they don't. My job isn't to convince you it can happen. My goal is to provide ideas to those who believe that it can.
Inflation or Deflation?
One of the first questions we have to ask ourselves is whether we expect an inflationary event or a deflationary event. Simply put, will the next crisis be one where prices rise rapidly - faster than our wages? Or will it be another 2008, where prices for not only stocks but also cars, homes, and consumables falls dramatically?
Those who are concerned about the risk of another crisis often debate this enthusiastically. I don't think it's really necessary to debate the issue; I'd rather be prepared for either scenario and not worry about guessing which crisis may befall us.
For guidance on what to do in an inflationary crisis, Forbes contributor Clem Chambers outlines five investments which historically done well during such events. They include:
Meanwhile, contrarian financial expert James Rickards suggests we should be prepared for both deflationary and inflationary crises. In the aptly entitled article "Why You Should Be Prepared for Both Inflation and Deflation," Rickards outlines how you should invest in either scenario.
For the deflationary crisis, Rickards recommends cash, bonds and raw land. In an inflationary crisis, he recommends commodities such as gold and oil, stocks in blue chip companies with significant ownership in hard assets, along with collectibles such as fine art.
To help you identify what stocks you might choose in a market downturn, Kiplinger's has a list of blue chip stocks you should consider during a deflationary scenario.
Rickards recommends we "prepare for both [scenarios], watch carefully, and stay nimble."
If You Expect Another 2008 Style Crisis, Why Not Just Invest In Those Things That Did Well Back Then?
You certainly could, and fortunately we have some good clues on how to do that. U.S. News came up with seven stocks that performed well during the last financial crisis. As you scroll through these stock ideas, you'll see many names you recognize. You'll also quickly identify a trend with these stocks: companies that sell lower cost items and entertainment options did well during 2008-2009.
Can you make money while the stock market falls?
Consider investing in an inverse ETF which goes up in value as the stock market falls. Investing in one of these funds is very easy - you buy it just like your buying a stock if you're using an online trading account. For those who feel really adventurous, the inverse ETF with ticker symbol SDS is a leveraged inverse ETF. In rather simplistic terms, for every one percent drop in the S&P 500, SDS goes up by two percent. The catch, of course, is that for every one percent increase in the S&P 500, SDS does down by two percent.
It's not a trade for the faint of heart, but it can really provide meaningful gains in a deflationary event where the stock market is falling.
What can you do with your 401(k)?
The 401(k) issue is tough, because most people have very limited investment options. Your best bet is to study each of your investment options within your 401(k) and see how they fared during 2008-2009. That will give you a sense of what your best options are during a deflationary event. In that scenario, you may find it's better to just put your 401(k) in cash and ride out the downturn, knowing that the the dollars in your account are increasing in value (dollars increase in value compared to other currencies and investments during deflationary events.)
For inflationary events, the advice listed above is solid - find a mutual fund option that invests in hard assets, such as commodities and real estate.
Again, this will require a little research on your part, but it's not hard to do.
How to create your plan
I'm not a financial adviser. But I will tell you what I am doing now, and what my plan is, in an effort to give you some ideas.
First, I am currently fully invested in the stock market. I believe, as many experts do, we should expect the stock market to go higher for some time to come. That's not to say some event couldn't cause a major sell off or inflationary spike. But for now, my plan is to sit tight and remain invested in equities.
Once I decide it's time to change my investment strategy, I'll take two steps:
This is not as hard as you think. It does require you to do a little research. Spending time with a financial adviser you trust would also be a good use of your time.
Preparedness isn't about buying a bunch of guns and military rations, waiting for "the big one." Much of what you will do to get better prepared will be tedious and boring.
And that's the good news - if you find your preparations tedious and boring, it probably means you're doing it right.
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January 2020


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Zulu medium sized telephone wire bowl in black and white from the Africa Collection. *Each basket will vary slightly in design from the photo, as each basket is handwoven.
12cm diameter x 5.5cm height
These stunning baskets will brighten up any room and make fantastic gifts. Made from recycled telephone wire, the baskets are made mostly by women in the subsistence farming area of KwaZulu-Natal province in South Africa where unemployment is up to 80%.
The project was established in 1996 to utilise the traditional skills in basketwork, sewing and beading. New skills and techniques have since been introduced through training workshops and now 650 people are receiving an income through this project.
The artisans can make the baskets in their own home and at a time that best suits, balancing their home duties. Almost half the weavers are aged between 16 - 28 years of age, and employment is increasingly difficult to find. This work not only provides them an income, but also a sense of hope for the future.
How are they made?
Bundles of telephone or electricty cable wire are cut and prepared for the weavers to take home. The artisans take home as may bundles as they wish and use it to weave a bowl from the outside inwards. Depending on the skill of a weaver, a small 12cm bowl can take from 3 to 5 hours to complete, whilst a large 40cm basket can take anywhere up to 40 hours to complete. No two baskets will be identical as each artisan draws on their own creative knowledge base to produce unique designs and patterns for each product. Once completed, the finished baskets are then returned, and the artisans are paid per basket. They then select new bundles of wire in the quantities they decide upon to take home to transform into another beautiful product.
About the Africa Collection
The stunning and colourful products available in our Africa Collection are all sourced from projects that work with local communities in several countries to assist individuals and group to gain empowerment through employment.
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"Your name's not in the computer," the woman in Human Resources (HR) said.
"I'm a postdoc in the biology department," I said. "I started December 1."
"A postdoc?"
"Yeah, I'm a National Science Foundation Postdoctoral Fellow."
"Well, you're not in the system."
I went back the next day with NSF letterhead in hand.
"Nope, you're not in the computer and there's really nothing I can do until you are."
"But I'm here," I said. "And I need an ID card so I can at least start using the library."
"I don't know what to tell you."
"How long does it usually take for a name to show up in the computer?"
"You should check with the chair of your department."
So I went to the chair. But when I called over to HR the following week, there was still no sign of my existence. I was frustrated, feeling unwelcome, and glad to be leaving town for a couple weeks to finish up an experiment and tie up loose ends at my former lab. Surely, by the time I got back things would be in place.
But they weren't. The school was shut down for Christmas break. Then the woman I'd been dealing with in HR (and apparently the only person who could issue ID cards) was on vacation. And when she got back a week later, still nothing. "What am I supposed to do?" I asked. She didn't know.
Finally, I asked my faculty advisor to whip out a memo on department letterhead. Reluctantly, my picture was taken and an ID card issued.
It took me nearly 2 months to get that card, and as far as I could tell I never did make it into the "the system," since my name never showed up in the school directory. And although the card did secure me faculty library privileges and a campus parking sticker, maybe it's just as well it never worked when the cashier at the faculty club--where weekly lunchtime science seminars were held--swiped it to tally my meals. "Jot down your social security number on this slip of paper and you'll be billed," she'd say. But I was never billed. ...
I was a postdoc (supported by the now defunct NSF Postdoctoral Fellowship Program in Biosciences Related to the Environment) at Smith College in Northampton, Massachusetts, where postdocs are few and far between the undergraduates and faculty. So when several of the postdocs I interviewed for this article told me that one of the biggest problems with being a postdoc at a small college was that people didn't know what to do with them, I knew exactly what they meant.
Fortunately, administrative roadblocks usually exist only outside department walls. Most of the postdocs I interviewed also spoke very highly of the support, recognition, and welcome they received from within their departments.
Indeed, for many, one of the nice things about being a postdoc at a liberal arts college is the special treatment they receive for being such a rarity. Of her 3-year postdoc at Wellesley College before she started teaching at Duquesne University, biology professor Melissa Melan says, "I was kind of leery when I went there." Like most liberal arts colleges, Wellesley doesn't have a graduate program, and Melissa was worried about her "weird" postdoc status suspended somewhere between undergraduate and faculty. But it turned out to be a very comfortable fit, and Melissa was treated "like a colleague, not an underling. "
Likewise for Binney Girdler, a teaching postdoc--introduced in Part 1 of this article--at Middlebury College. Despite the frustrations of dealing with the administration on a larger scale (e.g., while trying to obtain health insurance), Girdler says she received "tons of support" from her department and was even invited to attend faculty meetings on a no-vote basis, an excellent introduction to professorial life.
Others aren't so lucky. One postdoc who agreed to be interviewed only on condition I not disclose her name or institution described her situation as "very unhappy." Although the school "does exceptional things for undergrads," it hasn't done much for her. She says nobody in her department cares about her research--either what she's done or where she's headed. "I advocate a lot for myself, " she says. "I am very, very alone."
A small college can be "a tricky place" for a postdoc, says Larkspur Morton, an NSF-AIRE postdoc at Colby College (who was also introduced in Part 1), "though you probably only need one or two professors to help make you feel like you fit in."
The lesson, it seems, is to research the school and department before heading out. Find out if there are any current or recent postdocs at the school and seek them out. Then at least you'll know what you're up against.
Hopefully, you won't have too many hurdles and will be provided everything you need to focus on what you're there to do, which for the growing number of teaching/pedagogical postdocs at liberal arts colleges is teaching.
But even postdocs who teach are still expected to do research, especially if it can involve undergraduates. And most teaching postdocs agree that it's important to remain at least partially focused on research in order to remain competitive in the job market. It was for this reason that evolutionary biologist Chris Caruso, an NSF-AIRE teaching postdoc at Grinnell College, says she probably wouldn't have picked a liberal arts college if the postdoc didn't involve at least some research.
Striking a balance between teaching and research can be a challenge. Morton says that even though the smaller teaching load (compared to a faculty teaching load) allows you time to do research, in actuality it's tough to get much done. Morton studies bird behavior in the field and finds it very difficult to get away from campus for full days to devote to her studies. So, although she's applying for tenure-track jobs, she wouldn't mind just focusing on research for a while. And she'd like to finally finish preparing her dissertation for publication.
Like Morton, Lynn Hannum (introduced in Part 1) says that even though her teaching experience (at Lewiston-Auburn College) was a wonderful opportunity (and helped land her a faculty position at Colby), she didn't have much time to do research. But for Lynn, the time off wasn't necessarily a bad thing. It gave her a chance to step back and get a different perspective on her research.
Some teaching postdocs are able keep their research program going, albeit slowly, by supervising independent undergraduate research projects. At most colleges, there doesn't seem to be any shortage of students who want to help out--Caruso has had as many as six undergrads working with her at one time. But of her postdoc peers, Caruso says they don't seem to be getting as much research done as she is. "We all seem to strike slightly different balances between teaching and research."
Even when the scales tip too far to teaching, leaving what Girdler says "a hole in her CV," there's something to be said for an experience that lands many postdocs, including Girdler (who will be starting a tenure-track position at Kalamazoo College in the fall), jobs they're happy with.


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Acute abdomen is a medical term. It's used to describe sudden and severe pain in the belly. This kind of pain can signal a larger problem. Some may need care right away.
There are many reasons causes for abdominal pain such as:
Inflammation in the:
Health conditions such as:
- An infection or abscess
- Diarrhea
- Peptic ulcer
- Diverticulitis
- Ulcerative colitis or Crohn disease
- Irritable bowel syndrome (IBS)
- Hernia
- Gallstones
- Kidney stones
- Ruptured or leaking abdominal aortic aneurysm
- Cancer
Other problems such as:
- Blockage in the small or large intestine
- Lack of blood flow to the organs in the belly
In women:
- Menstrual cramps
- Endometriosis
- Uterine fibroids
- Ovarian cysts
- Pelvic inflammatory disease —inflammation around the organs in the pelvis because of an infection
- Miscarriage or ectopic pregnancy
In babies:
- Intussusception —the intestines telescope causing a block
- Volvulus —a twisting of the large intestine around itself
- Hirschsprung disease
Risk Factors
Having any of the problems listed above will make the chances of pain in your belly higher.
The symptoms you have will depend on the cause. The most common are:
- Persistent, severe pain, swelling, or tenderness in the upper, middle, or lower part of the belly
- Guarding—involuntary contraction of the muscles in the belly
- Rigidity—when muscles in the belly are tense and board-like
- Fever
You will be asked for details about your pain. You will also be asked about other problems you may be having. A health history will be taken. You will be asked about any medicines you've taken. A physical exam will be done. This will involve checking the pelvis and rectum. You may also have:
- Blood tests
- Urine tests
- Ultrasound
- CT scan
- X-rays
- MRI scan
- Exploratory laparotomy —to look for problems inside the belly
You may be given pain relievers. Talk to your doctor before you eat, drink, or take any medicine.
The cause of belly pain will need to be treated. Sometimes it's an emergency and surgery is needed right away.
Other methods may be with:
- Medicines
- Diet or lifestyle changes
Acute abdomen may not be preventable. It has many causes. If you're at high risk for problems, talk to your doctor.
Revision Information
- Reviewer: EBSCO Medical Review Board Marcin Chwistek, MD
- Review Date: 05/2018 -
- Update Date: 08/23/2018 -


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There are actually many reasons why you should want to invest in bracelets for men, one of them being the fact that this is the kind of accessory that they can use on a daily basis to make their look complete. It would be recommended that you do some research before buying any bracelets because you might be able to invest in ones that look just like the models provided by famous brands, but come at a really affordable price. The same goes if you are looking for anchor bracelets for women.
It is interesting to know that when it comes to offering a gift to the important man in your life, you usually have to choose between just a few options. At some point, you run out of ideas of what to get him. The good news is that you can never go wrong with one of these bracelets for men, especially if you pick one that has a special centre piece such as an anchor. If you are wondering why that is, you might want to look into what the anchor means from a symbolic point of view.
You could consider giving one of these bracelets to a man in your life that means a lot to you, to someone that offers you stability or hope and that gives you a reason to stick around and stand still for a moment. At the same time, you should know that you can also find anchor bracelets for women that can be the perfect gift or that you can alternate based on what you feel like wearing. If you like to mix it up and wear different colours on a daily basis, you should consider buying a few different bracelets that have an anchor as a centre element, but that have different strings or braids attached to it.
Another reason why you should be investing in bracelets for the man in your life is the fact that you can have him think about you each time he sees the bracelet. So, if he wears it all the time, he will probably be reminded of you each time he looks at his hand. Just think about how many times he will smile because of you every single day. Of course, before actually buying any bracelets, you should consider searching for a shop that has a great reputation.
Even more, you might want to buy the bracelets from a provider that offers you the option of benefiting from free delivery as well as special prices. Look for a store that has a wide range of models that you can check out before making any final decisions!As you can clearly see, anchor bracelets for women are quite popular. If you are also interested in bracelets for men, you should know that you do not have to do anything other than just visit our online shop and browse through our collection. Pick the bracelets you prefer and place your order as soon as possible!As you can clearly see, anchor bracelets for women ( https://nielsenanchors.com ) are quite popular. If you are also interested in bracelets for men ( https://nielsenanchors.com ) , you should know that you do not have to do anything other than just visit our online shop and browse through our collection. Pick the bracelets you prefer and place your order as soon as possible!


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Medical Surgical Care
Patients in our Medical/Surgical Department receive a high level of personalized care.
Our inpatient rooms are all private, with private baths and large picture windows—most with beautiful mountain views. Our team of compassionate professionals provides a range of services, including medical and surgical nursing, certified wound care, pediatric care and Swing Bed care.
Physical and occupational therapy professionals are available for patients and work hand-in-hand with nursing staff and physicians. In addition, the Discharge Planning and Case Management staff work with our patients on post-discharge care and instructions. They provide referrals to a wide range of support services and can answer questions regarding health benefits, advance directives and living wills.
To reach the nurses' station in the Medical/Surgical Department, please call (719) 530-2206.


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Nintendo's E3 conference proved last weekend's rumours true, as viewers saw a trailer for a Retro Studios-developed DK game. Donkey Kong Country Returns for Wii looks to be a sidescrolling affair in the style of Donkey Kong Jungle Beat or New Super Mario Bros. Wii. As the name suggests, Retro has taken inspiration from Rare's contributions to the DK franchise, with jungles, mine cart rides, Diddy Kong, barrel-blasting and banana-collecting, with DK showing off a few more varied fighting abilities, similar to Jungle Beat.
Retro Studios is already known for its take on another classic Nintendo franchise, the Metroid Prime trilogy. The company did its homework with the Metroid series, which like Donkey Kong Country, is full of atmospheric soundtracks and environments. The game is slated for a Fall release.
Rejoice: DK is back to kick some tail.
[source e3.nintendo.com]


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Prosperity loves discretion
Tailor-made banking solutions for long-lasting wealth management,
designed for trustworthy circle of high-net-worth individuals.
designed for trustworthy circle of high-net-worth individuals.
Signet Bank continues to strengthen its position in the domestic market and shows stable performance in 2019
2019 was a year of transformation for Signet Bank AS (further – the Bank). Following the decision to adjust its business model, the Bank together with its subsidiaries (further – the Group) expanded its activities in the domestic market, focusing on High Net Worth (further – HNW) and affluent individuals and businesses owned by such […]
Considering the precautionary measures in place to limit the spread of COVID-19, for the duration of the state of emergency announced by the Republic of Latvia government, please notify us in advance if you are planning to visit the Bank's teller or depository – either by contacting your private banker or by calling the Bank: […]
This is a reminder that the current state of affairs means you should protect your health – but you also need to focus on keeping your banking data safe on the internet. In times of crisis, malicious individuals actively look for ways to take advantage. Be vigilant when somebody mentions the state of emergency while […]
Why work with us?
The art of banking
Striving for excellence in every detail is the main principle governing our work. However, we believe that true excellence cannot be mass-produced. Just like true artworks are unique. So are our solutions – always tailor-made to fit your financial needs. The bank's art collection reminds us this principle every single day.
The art of banking
We take it personally
Specialized in private banking, Signet Bank takes the personalized service in finance sector to a new level. Our team comprises professionals with international expertise and extensive experience in servicing private clients across Europe and CIS. It is not just flawless knowledge of banking and financial markets we are known and appreciated for. It means also knowing each and every client personally by the top management of the bank – to guarantee responsibility that is worth your trust.
We take it personally
We know the wealth
Our private banking team prides itself on longstanding expertise in finding most tailor-made solutions for high net worth clients – preserving and multiplying their wealth, catering to the daily financial transactions. We at Signet Bank combine the best international private banking experiences, aiming to provide the utmost quality services and innovative products.
We know the wealth
You live 24/7
So we do work. Our diffentiation point is real client-oriented service. You will never need to calculate time zones or look up local public holidays to see if your bank is open. As you live all around the clock, we are ready to provide necessary assistance at the same time.
You live 24/7
Wealth loves silence
We believe in absolute confidentiality as a core value of banking business. Be it amount of investment gold in your private safe in our vault, large fiduciary deal or just a personal detail, it stays between two persons: you and your private banker. Our location in so called Silent Centre of the city is not a coincidence. It states the value of discretion.
Wealth loves silence
The bank that says no
No is a rare world in finance and service industries. We proudly say no to any shady transaction, not-so-transparent deal, incomplete documentations and untrusty agendas. Because we believe that every our client deserves a bank with brilliant reputation. Your trust is our responsibility.


text: Monthly Archives: February 2015 Investment properties made simple: a client's perspective Are you thinking about purchasing an investment property? Here's what our client Monique Al-Rawi had to say about how The Haro Group's team approach made the process go so smoothly: View… Written by The Haro Group February 27, 2015 No Comments New Home Construction growth–by the numbers The numbers are in for December 2014, and it looks like new home construction has hit a new wave. According to numbers from the U.S. Census Bureau and the U.S.… Written by The Haro Group February 25, 2015 No Comments Chris Tomlin's "Love Ran Red" Tour at the Well March 5 On March 5, Grammy-award winning artist and worship leader Chris Tomlin will perform at the Bon Secours Wellness Arena, as part of his Love Ran Red Tour. Besides being an award-winning… Written by The Haro Group February 23, 2015 No Comments Foreclosures are down; Consumer confidence is up Here's some more good news about 2015's economic outlook. In December 2014, the number of foreclosed homes was down by 34.3%, continuing a long-running trend of decline. South Carolina is one of… Written by The Haro Group February 20, 2015 No Comments The Haro Group team rocks it at KW conference Last week, 14 of The Haro Group team members headed down to Orlando, Florida for the Keller Williams Family Reunion, one of the top training conferences in the U.S. Keller Williams… Written by The Haro Group February 18, 2015 No Comments South Carolina is #2 destination for Americans moving out-of-state A survey by United Van Lines movers revealed the top destinations for Americans moving across state lines, and South Carolina is #2, following Oregon. Many states saw a balance of people… Written by The Haro Group February 16, 2015 No Comments Falls Park one of six finalists for urban excellence award More love for downtown Greenville! Falls Park has been named one of six finalists for the Rudy Bruner Award for Urban Excellence, competing against urban projects in Baltimore, Olympia, Cleveland, and… Written by The Haro Group February 13, 2015 No Comments A streamlined home-buying process: a client's perspective At The Haro Group, we do things differently than typical real estate agents. Our agents work together as a team, meaning the process goes a lot more smoothly for the… Written by The Haro Group February 11, 2015 No Comments Ringo Starr to play at Peace Center February 17 Ringo Starr and His All-Starr Band will perform at Greenville's Peace Center on February 17. Though most famous for his role as drummer in The Beatles, Ringo Starr been recognized as a premier… Written by The Haro Group February 9, 2015 No Comments Meet our Team: Analeisa Latham Meet Analeisa Latham! Analeisa is one of The Haro Group's listing specialists. If you're looking to sell your home, Analeisa will guide you through the process, from preparing your home… Written by The Haro Group February 6, 2015 No Comments 12 About our blog Our agents write often to give you the latest insights on owning a home or property in the local area. Recent Posts 4 Special Programs to Benefit You A Look Back at Our 2019 Market Greenville Breweries An Update on the Overall 2019 Market Holiday Hospitality Archives February 2020 January 2020 December 2019 November 2019 October 2019 September 2019 August 2019 July 2019 June 2019 May 2019 April 2019 March 2019 February 2019 January 2019 December 2018 November 2018 October 2018 September 2018 August 2018 July 2018 June 2018 May 2018 March 2018 February 2018 December 2017 November 2017 October 2017 September 2017 July 2017 June 2017 April 2017 March 2017 February 2017 October 2016 September 2016 July 2016 June 2016 April 2016 January 2016 December 2015 November 2015 October 2015 September 2015 August 2015 July 2015 June 2015 May 2015 April 2015 March 2015 February 2015 January 2015 December 2014 November 2014 October 2014 August 2014


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Adam graduated with degrees in Commerce (Finance and Economics) and Law from the University of Sydney. After a brief period as a lawyer, Adam worked in investment banking for six years, first with Macquarie Group and then for a boutique M&A advisory firm in Sydney. Following his MBA, Adam is looking to shift into industry and pursue a career in general management. He is enjoying being part of an incredibly diverse and talented student body and learning new skills and ways of thinking that will last a lifetime. In addition to being a Student Ambassador, he is on the Executive Committee of the Industry club and is loving the opportunity to explore the UK and Europe. Adam most recently did a summer internship with Cargill's Strategy and Business Development team in Belgium.


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(Announcer voice)
Now, on the next episode of Hoarders, we visit Long Island, New York, home of Mamasoo.
Here we see her office worktable. How many unfinished craft projects can you find? (We counted 16 without moving things around.) Precariously stacked ceramic pieces, precious cross stitching, a tiara (?) all items haphazardly thrown onto the table which it starting to buckle under the strain of broken promises and wet craft glue.
Turning around (slowly, we don't want to knock anything over) we focus on her closet, jammed pack with batting, a box of Christmas projects and a bag of paper towel tubes. We ask Mamasoo what she has planned for all these things and when she thinks she might start cleaning up. She shrugs her shoulders, puts on a weak smile and says, "I can't start anything until my work table is cleaned off".
"When might that be?", we ask.
"When I find room in the closet." Clearly, she has avoidance issues.
Circling around the room, we spy her filing "system" that has toppled over like a Mayan temple this coming December. Expensive video gaming equipment piled in the corner by the bookcase has a layer of dust coating it. The saddest aspect of this room is the Winnie the Pooh border on the wall- a remainder of the loving decorations when her daughter, Zombiegirl used to occupy this room…eight years ago.
Last and probably the most horrifying corner of this little hell this dear, sweet woman works in is her desk, piled high with half-completed sewing projects, papers spit out and left from her printer and video games played and abandoned. There sits her "laptop", tied to the desk, it's portability long gone. And what's this? What has she been sitting on for days, once again avoiding the horror of the condition of her room?
(If there are small children or persons with weak constitutions, it might be wise to turn away…)
Oh. My. Word. It's…it's a frog. She's been sitting on a rubber frog while on the computer. We asked Mamasoo what was going on with the frog.
"I don't know, I moved it from one place to another and never moved it back."
"But you sit on it every time you go on the computer!"
"Um…I don't feel it. He's kind of squishy and I have a big a(BLEEP)."
Let's take a look at what has Mamasoo so preoccupied that she not only let her office grow out of control, but doesn't even feel when she's sitting on…a frog…
(Camera pans to the monitor)
Oh, of course. Now we understand why nothing has been getting done and why Mamasoo's hoarding problem has escalated. It is definitely an addiction called…
Words With Friends.
(Cue end music and roll credits)
The End.


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Skip to Main Content
Getting election mail for someone that no longer resides at your address?
Every year our office compares address changes made by residents to the U.S. Post Office with the Polk County voter registration rolls. This is required by the National Voter Registration Act of 1993 and is referred to commonly as the National Change of Address (NCOA) program.
What happens?If you reported a change of address to the U.S. Postal service in the last year, and the voter registration address on file in our office does not match this address, we are required by law to update your address and send you an NCOA notice.
Postage-paid reply cards are sent to both your old address, as indicated on our voter registration files, and your new address, as reported by the U.S. Postal Service. This allows you to make any corrections and return the card to our office. We are required by law to mail cards to both addresses, so you may receive two cards.
What do I need to do?
If the new address is correct, please sign and return the prepaid NCOA postcard to our office. You will get a new voter card from our office with your address change in a few weeks.
If the new address is incorrect, but still within Polk County, please write your new address on the postcard, sign and return the prepaid NCOA postcard. We will update your voter record and send you a new voter card.
If you moved outside of Polk County, please write down your correct address, sign and return the prepaid NCOA postcard and we will remove you from our county voter rolls. IMPORTANT NOTE: This change will not register you to vote in a county outside of Polk County. You will still need to re-register in your new jurisdiction.
What do I do if I get a card for someone that doesn't live at my address?
Indicate on the prepaid NCOA postcard that the person does not live at your address, sign the card and return it to our office.
We will then place this voter on inactive status as we cannot cancel the registration without the signature from the voter, unless: we receive notice from another county that the voter has registered there, we get notice that voter has died, has been convicted of a felony, or the voter has not voted in the last two general elections.
If we do not receive the card, the law requires us to assume the person still resides at the address.
What are common problems with the NCOA Process?
An address change by one family member may have been reported by the US Post office as a change for the whole family.
"Snow birds" who maintain a winter address outside of Iowa to the Post Office as a long term address change many times will receive NCOA postcards.
If an NCOA card is returned without a signature, we will be unable to process any changes.
Two people may have the same name and address (John Doe Sr., John Doe, Jr.)
Election Results
Register to Vote (PDF)
Absentee Request (PDF)
Main Office
Administration Building111 Court Avenue, Room 230Des Moines, IA 50309 Mon - Fri: 8 - 5, except holidays
Phone: (515) 286-3080
Fax: (515) 286-3608
Election Office
George Paletta Building120 2nd Avenue, Suite ADes Moines, IA 50309 Mon - Fri: 8 - 5, except holidays
Phone: (515) 286-3247
Fax: (515) 286-2099
Central Accounting
Administration Building111 Court Avenue, Room 315 Des Moines, IA 50309 Mon - Fri: 8 - 5, except holidays
Phone: (515) 286-3753
Fax: (515) 323-5253
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Nursing at Frimley Health
We're incredibly proud of our nursing team and the amazing job they do for Frimley Health – a trust where great care and great careers go hand in hand. You'll find the highest standards of clinical excellence across our three main hospitals at Frimley Park in Camberley, Wexham Park, in Slough, and Heatherwood in Ascot. A friendly, supportive and open culture encourages you to reach your full potential.
Our nurses enjoy a great day-to-day working experience with strong, stable leadership, a clear sense of direction and an exciting vision for the future.
Happy staff equals great care
We believe our nurses perform best when they're happy. That means we work
hard to make sure you feel welcome, supported and valued.
We offer a structured career pathway to follow, with our full support to
progress through the NHS bands and gain further qualifications.
Your tailored individual development plan means you really can follow the
path you choose – whether that's pursuing your current interests or
branching off into a whole new field.
Outstanding leadership at every level
Frimley Health nurses benefit from working in a trust which enjoys strong leadership from a long-standing executive board with a clear vision for the Trust. Senior managers are visible, approachable and committed to empowering more junior members of the team to find solutions to improve patient care.
Our trust values – summarised as Committed to Excellence, Working Together and Facing the Future – are embedded into everything we do and living these values in our day-to-day work gives everyone a shared sense of focus on what truly matters – the care we give our patients and the way we treat them and each other.
Career development
Providing truly outstanding care to a uniquely diverse community of patients, you'll discover the options for personal and professional development are also varied, and equally excellent. Here, your tailored, individual development plan means you really can follow the path you choose - whether that's pursuing your current interests or branching off into a whole new field. With so many and varied departments across three different sites there is much more scope to develop your career with us.
Strong support
Our nursing teams benefit from a strong support framework and a lively social network, so every aspect of your day will be fulfilling. We have a strong team of healthcare assistants who work hand-in-hand with nurses - freeing up your time to concentrate on the most important priorities. And with our pioneering history, international reputation for research and love of cutting edge technology, you can be sure you'll enjoy the freedom to be innovative, and have a real say in developing new ways of working. In fact, we expect nothing less.
So whatever you aim to achieve, you'll find the opportunity here. There's really nowhere else like it.


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While attention in recent years has focused on the addition of paid advertisements to NBA uniforms, one Major League Baseball CEO says his team would support selling of ads on baseball uniforms and thinks other owners will jump on board.
During an interview with KNBR, San Francisco Giants CEO Larry Baer was asked about the possibility of MLB teams selling advertising space on uniforms.
"I would forecast that it is coming," Baer told KNBR. "I think it is coming."
Baer noted that current commissioner Bud Selig is against the idea of ads on the uniforms but that under new commissioner Rob Manfred, "there may be an evolution towards it."
When asked about ownership support for the idea, Baer said the Giants would support ads and then cut straight to the most important point noting it is ultimately about money and could be an alternative to raising ticket prices.
"It's new revenue, potentially," said Baer. "This is new revenue. And I think there is always ownership support for new revenue, right? And, I think that also, quite frankly, we are, owners, very cognisant of ticket prices … [and] this is a better alternative than continuous ticket price increases across the board to fund operations."
As of now, MLB uniforms are completely devoid of logos. Even Majestic, the manufacturer of MLB uniforms does not have a logo on the uniforms, something that has led to confusion because of the prominent display of the Nike swoosh on MLB undershirts.
However, in 2004, when the New York Yankees and Tampa Bay Devil Rays played regular season games in Tokyo, the league did include advertisement patches to the sleeves and helmets for the series.
This style of advertising is already seen in Japanese professional baseball and may soon be seen in back in North America.
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+91-9876087224, +91-9316087224
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Composition & Benefits
|Each Boli contains : Nimesulide 400 mg.& Paracetamol 1500 mg Serratiopeptidase 75 mg.
Presentation : 4 boli strip
|Inflammatory diseases of the movement apparatus Painful injuries e.g. trauma, fractures, distortions Fever illnesses such as ma stitis, puerperal fever Post-operative swellings Adjunct antibiotics in severe infections to reduce high fever .
|As directed by Veterinarian


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Five ways to stay out of the red now – to get you into the black in the future.
According to the latest ABS figures, more than 70% of Aussie families are carrying some debt – with 26% of this group holding debts worth three or more times their annual disposable income.[1] If debt is holding you back, don't despair, there are plenty of ways you can take control of your debts and set your family up for a strong financial future.
1. Keep records
Don't know where your money's going? Then it's time to keep records. For a month, write down everything you spend – from bills, repayments and groceries, to entertainment, trips to the doctor and the hairdresser. Don't forget to include quarterly or annual payments like car registration, insurances, electricity and school fees. This will give you a realistic indication of your spending, which you can use to create a budget.
2. Eliminate unnecessary spending
Once you've had a good look at your where your money's going, cut out any wasteful spending and save that money or use it to pay off debt. This could be things like the gym membership you never use, or subscriptions for pay TV channels that you rarely watch.
While you don't have to deprive yourselves, be realistic about what's really adding to your life. A themed birthday party for your four-year-old may look great on Pinterest, but is it really the best use of your hard-earned cash?
3. Ditch the plastic
Possibly the biggest drag on your budget will be unsecured debt that's accumulating interest. This means the credit card debt or personal loans for things like holidays and meals out, or items like clothing, shoes and technology that depreciate quickly.
Carrying credit card debt does more than drain your resources now. If you end up defaulting on credit, it can hurt your credit rating down the track, making it harder to get good debt like a mortgage or business loan. So leave your cards at home or even cut them up, then tighten your belt and get them paid off once and for all.
4. Buy second hand
One way to cut costs, and do the environment some good, is to buy second hand wherever possible. This can be a great way to get good quality items at a fraction of the price. Check eBay or Gumtree, head to a garage sale, or log onto Facebook to find buy, swap and sell groups in your area. You might even be able to get someone to deliver the goods as part of the cost.
5. Know when to trade down and when to pay for quality
Of course, this isn't to say that you should always go for the cheapest every time. Sometimes it can be false economy to buy cheaper versions of items that need to last for a while, such as whitegoods. So think carefully about where you can trade down, and where it makes sense to pay a bit more.
For advice specific to your personal situation get in touch with us today on 08 8232 9498.


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Program Description
Industrial Training Classes and Seminars<
Offering 1501 Industrial training courses from 103 training providers including Lorman Education, SkillSoft, Trinity Consultants, Inc.. Browse instructor-led and virtual Industrial training seminars along with a variety of self-paced classes. Offering 587 online e-learning Industrial courses, available either online, CD/DVD, printed course manuals or recorded webcasts. TrainUp.com also offers the ability to request in-house or onsite Industrial courses or train-the-trainer curriculum programs.
Despite the constant concerns of politicians and commentators, the American industrial sector remains a strong and crucial aspect of the country's economy.
U.S. factories still produce everything from power tools through automobiles to full-size industrial equipment, and some areas like auto-making have seen surprising growth in recent years. Yet the industrial sector often lacks one important thing in many parts of the U.S.: adequately trained workers. While most offices offer an environment similar to those that people might expect from early work experience or even school to an extent, the industrial sector presents challenges and concerns unlike those most people are familiar with.
Particularly in factories and construction sites, employees must always be aware of potential safety hazards and concerned for the general safety of other workers. Meanwhile, the tasks that workers will be put to can range from monitoring regulatory compliance to repairing high-tech automated assembly lines, and everything in between.
TrainUp can help businesses and individuals find the industrial training programs they need to meet the varied and particular requirements of manufacturing and other related sectors.
Industrial sub-categories
Aerospace training
Construction training Engineering training Environmental training HVAC training National Electrical Code® training Safety and Compliance training
About the School
TrainUp.com was founded by Jeremy Tillman in 2004; with more than 50,000 companies who have purchased training, TrainUp.com is the web's largest training marketplace and has partnered with hundreds of ... Read More


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Business Planning Services and Consulting for Entrepreneurs
Our Services
We offer proven business plans to succeed. Our business plans are tailored to your specific goals and budget.
Our Processes
Our step by step processes are simplistic, realistic and designed to get you funded!
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National Accounts
We are unique among other business planning companies. We can support you no matter where you are located.
Frequently Asked Questions
Have questions? We have answers! The following are the most commonly asked questions pertaining to our services.


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OverviewInteractive touch table that will enable any user to fully exploit the benefits of being able to create, present, share and collaborate with digital media on the durable all glass surface of the table.
If you are looking to download multi-touch software please go to the 3M Multi-Touch Developer Network, which helps match the customer´s market and application need with qualified developers.
To find out more about touch screen applications, including top tips for developing a multi-touch experience, please download3M Best Practice Guide.


text: ZAMURA FEEDS gives back to the community, not only by improving the livelihoods of Rwandan farmers, but by supporting the Egg a Day Program in Northern Province. ZAMURA FEEDS is an official partner of the One Egg Organization. Find out how this wonderful program transforms the lives of children in Rwanda and other countries.


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Cat vs Mouse – Fel3000Ft Graffiti – Detroit
It's a cat eat mouse world…or is it? Graffiti art done by Fel3000Ft and found in Detroit on Michigan Ave and 14th St. It is located on the back of the building across from Slows. You can enter the alley off of 14th st, south of Michigan Ave. Some other graffs are next to it to. Stop by when your in the area.
Have some graffiti to recommend, shoot me a tip!


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Nightingale Pullover Hoodie
$19.99 $60.00
Now you can stay warm and comfortable whilst traveling the lands of Skyrim. Display the Nightingale emblem and swear your allegiance to Nocturnal!
Product Description:
- Oversized 3D screen printed Nightingale logo on front chest
- 3D screen printed Imperial symbol logo on pocket
- Slim fit, consider sizing up for more comfortable fit
- Water-resistant fleece body
- Poly-Tech fabric
- 80% polyester/20% Cotton
- Unlined hood
- 1x1 ribbing at cuffs and waistband
- Nickel eyelets
- Flat drawcords


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Commentary on the importance of prioritizing renewable energy investments for Puerto Rico. Published in Science with co-authors Arturo Massol-Deyá and Jorge L. Colón.
"At this juncture, when the opportunity to build a sustainable and resilient electrical system presents itself, moving away from dependency on imported fossil fuels should be the guiding vision."


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Having disbanded Port O'Brien over creative differences following 2009's Threadbare, WATERS is ex frontman Van Pierszalowski's new solo project. Written in Norway, New York, California and Alaska, the big question is if Out in the Light is effectively another Port O'Brien album. Yes in some respects, but no for the majority. Initially a tough decision, Pierszalowski describes the band's split as a 'rejuvenating experience.' Whilst Port O'Brien influences are present, said rejuvenation is heard through defining new ones.
Threadbare came out of Pierszalowski's desire for a more cohesive sound after LP All We Could Do Was Sing, and producer John Congleton takes its polished quality further. Out in the Light is just as expansive as Congleton's stamp on Explosions in the Sky and St Vincent records. It benefits the explosive garage tone of 'For the One,' whilst adding to the Fleetwood Mac-like 'San Francisco' and the equally anthemic 'O Holy Break of Day' (although the over bloated 'Back to You' suffers from Congleton's broadness). It's Pierszalowski's sleekest work yet and without Congleton, it might have been vastly different.
Although varnished by production, Pierszalowski's personality makes Out in the Light far from faceless. He was left back seated due to Cambria Goodwin's leading role on Threadbare but he reclaims it comfortably here. He describes the band's split as a dark period and the consequent emotions are more resonant on consecutive listens. On the Dylan-like opening of 'If I Run,' he sings: "If I run from you / I will see it through / I won't leave too soon / But I will follow through." Pierzalowski really shines during the LP's more toned down moments though. He laments about difficult choices on 'Ones You Had Before:' "I don't know if I should stay / But I did my best for you / And if you ever took a warning / it's true" and 'Mickey Mantle' is equally as moving: "Can nobody see / Don't make a mess of me / I ain't too old to give a shit." Pierszalowski's personality makes the record genuine.
Out in the Light is not another Port O'Brien album. Pierszalowski reflectively looks back upon such past experiences to grow as a song writer, and does so well. His heart is worn clearly on his sleeve without becoming too overbearing and the final product is nothing short of profound.
8Alex Yau's Score


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Dr. Rolland's Top 12
Health Supplements You Should Know
Because nutritional products are not all equal, higher quality supplements may carry a higher price. Dr. Rolland's Top 12 is a listing of key supplements that are useful to promote healing and good health. After careful review, Dr. Rolland created this list for his own children and family. This information can help you find affordable supplements that are useful for you and your family.*
You can purchase many supplements recommended below directly through our office (saving shipping costs) or click here to conveniently order them on-line through our vitamin web site.
Healthy Choice # 1 Multi-Vitamin/Mineral
Multi-vitamin/minerals offer essential nutrients for many functions of the body. They help with metabolism, fat and carbohydrate conversion and protein synthesis. Important for kids and adults.* Our favorites include:
Cruciferous Complete, Chlorophyll Complex, DaVinci Daily Best, Spectra™ Man, Spectra™ Woman or Spectra™ Senior (for older adults). We like their Omni Jr. for children. Single vitamins and minerals are also available for special needs.
Healthy Choice #2 Cell Health / Antioxidants
These nutritional supplements provide raw materials for the body to use to promote optimal cellular communication. Good communication between cells supports proper gland and organ function, proper system function, including your natural defense and endocrine systems, and optimal health.*
Synergistic blends of plant extracts designed to help counter the harmful effects of free radicals caused by oxidative stress, daily physical stress and poor diet - all of which can damage your body's DNA, cells and tissues and may lead to premature aging.* Our favorites include:
Min-Tran, DaVinci Cell Support, Spectra™ Reds (powder), CoQ10 and Alpha Lipoic Acid.
Healthy Choice # 3 Omega-3 Essential Oil
Omega-3 oils support biochemical pathways that help reduce inflammation in the body. They are also reported to benefit learning, cognition, mood balance, heart health and joint pain.*
We like Black Current Seed oil, LinumB6 (flaxseed oil) and a premium Pro-Omega oil from Nordic Naturals.
Healthy Choice # 4 Digestive Enzymes & Flora
Digestive enzymes replace those lost from fresh foods when they are processed. They assist with the digestion of fats, carbohydrates and proteins. Probiotics replenish flora that live naturally in your digestive tract.* Our favorites include:
DaVinci Digenzyme™, Mega Probiotic-ND™, Flora and Cranberry.
Healthy Choice # 5 Bone Health
Calcium is an important building block for strong bones and healthy muscle function. It needs cofactors such as magnesium, boron and vitamin-D to perform its functions in bone. Magnesium is essential for many metabolic reactions including muscle function. Multi-minerals don't generally have high enough levels of calcium or magnesium. Our favorites include:
DaVinci Multi-Source Cal Mag™, Osteoactiv™, Calcium Citrate Plus and Magnesium Citrate.
Healthy Choice # 6 Natural Hormone Support
Optimal health and wellness can only be achieved when all the systems of your body are balanced. A well functioning endocrine system helps support the body's efficient burning of fat, the body's natural recovery from physical and/or emotional stress, male and female sex hormones, and works in harmony with the body's immune system. Consult with your doctor before taking any natural hormone support.* Our favorites include:
Wild Yam Complex, Tribulus, St. John's Wort, DaVinci GammaLino (evening primrose oil), Thyroid Basics and Saw Palmetto.
Healthy Choice # 7 Anti-aging / Energy
Because it is difficult to get enough servings of fruit and vegetables each day, these powdered drinks help supply servings of plant based phytonutrients, vitamins and minerals.* Our favorites include:
Ginko Biloba, DaVinci Spectra Purples™ and many others.
Healthy Choice # 8 Joint Health
Many joint problems from athletic injuries and osteoarthritis can benefit from glucosamine sulfate, chondroitin sulfate and MSM. These supplements provide building blocks for joint repair.* Our favorites include:
DaVinci Nature's Collagen, MSM and Natural Flex™.
Healthy Choice # 9 Healing / Anti-inflammatory
Inflammation is part of the body's healing process. Too much inflammation may contribute to a number of disorders. Supplements containing proteolytic enzymes or omega-3s may help reduce inflammation.* Some of our favorites include:
Boswellia, Ginger, DaVinci Bromelain, Turmeric and All-Zyme™.
Healthy Choice # 10 Immune / Sinus Support
Select vitamins, minerals and herbs help to enhance immune function and sinus clarity. Our favorites include:
DaVinci Garlic, Olive Leaf (Olivir™), Echinecea, Gluconic DMG, Calcium Citrate Plus, Vitamin D3 and Natural Poten-C.
Healthy Choice # 11 Detox / Cleansing
Parasites and toxins from our food, water, air and surroundings continually bombard our system and interfere with its function. The body can benifit from periodic cleansing and detoxification. Some of our favorites include:
DaVinci Spectra™ Greens, Cholesture, Milk Thistle and Parashield.
Healthy Choice # 12 Stress & Sleep Support
With so many of us suffering from stress and hectic, never ending lifestyles, we can find some support in herbs and nutrients. Healing and good health also requires adequate sleep. Some of our favorites include:
Ashwagahnda, Rhodiola & Ginseng, DaVinci ValerAmino, Stress B (vitamin) and Adrenalyze.
Several useful common essential oils include:
Lavender, Tea Tree, Eucalyptus and Peppermint.
Useful therapy products include:
Topical lotions such as Sombra, Biofreeze and Herb Oil help soothe sore muscles and promote relaxation.
*Information provided here is not a substitute for professional advice. These statements have not been evaluated by the FDA. All information is for educational purposes only. These products are not intended to diagnose, treat, cure or prevent any disease.
This list is copyrighted material and may not be used by another business or author without written consent of Chadd Rolland, D.C.


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Hey everybody! We've got ourselves organised for 2010. This year is gonna be great! Stan (http://branddna NULL.blogspot NULL.com/)'s back with more weekly whip's, we'll be posting a new interview every week, and we've got a handful of new columns to surface over the next month. But enough of that hoo-hah–listen to Stan! Get to work! Do stuff!
I thought I'd kick start the year with a little tale about how getting off your arse and simply creating stuff on a regular basis can help get you a foot in the door of whatever creative industry you aspire to be a part of.
About 18 months ago I was at a brekky gathering in Sydney, where I met Annik Skelton (http://annikskelton NULL.com/). At the time she was doing some mundane job that she thought would involve creativity but didn't.
Like many of the people I meet nowadays we hooked up on Twitter.
Over the course of last year she has kept me, and I'm sure many others, entertained with her surreal Twitterisms (http://twitter NULL.com/neekatron) and seriously off the wall blog posts. The girl can write, no doubt about it.
Seems I wasn't the only person who noticed, because late last year she was hired by new Sydney agency Tongue (http://www NULL.campaignbrief NULL.com/2009/12/tongue-lashes-out-on-hiring-an NULL.html).
In the agency press release about the appointment they described Annik as, "a well-known Twitter personality, notorious for her tongue-in-cheek commentary and unique methods of story-telling."
So there you go kids. Next time I tell you to just go off and create something, do it. Because the more stuff you put out there, the better chance you have of getting to wherever it is you want to go.Tweet


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If you need more help or forgotten your registered email, please contact our customer service team by submitting a support ticket in our helpdesk.
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S890QL1 Quenched and Tempered Structural Steel
Hot forming
If the temperature of 560 °C (1040 °F) is exceeded, the initial tempering will be altered so that the mechanical properties are affected. To regain the initial properties new quenching and Chlamydia in men tempering become necessary. However, water quenching of a formed work pece or component will often be less effective than the https://farmacia-ita.com/amoxil-cap.html original quenching in the plate mill so that the fabricator may not be able to re-establish the properties required and therefore hot forming is not suitable.
Finally, it is the fabricator's responsibility to obtain the required values of the steel through an appropriate heat treatment.
Welding and flame cutting
Due to its high yield strength, S890QL1 requires special care during plate processing.
Detailed instructions for flame cutting of the S890QL1 shall be provided.
For general welding instructions, please consult the EN 1011. In order to ensure that the tensile strength of the weld metal fulfils the melhores praias da florida requirements of the base metal, the heat input and interpass temperature must be limited during welding. Experience has shown that the welding conditions should be chosen so that the cooling time t 8/5 does not exceed 12 seconds. This is applicable when using suitable filler materials of a corresponding yield strength class.
The high yield strength of the base material must be taken into account when choosing the filler materials. It should be considered that increased heat input leads to lower tensile properties in the weld metal. If a stress relieving heat treatment is planned during or after plate processing, this must also be considered when selecting the filler materials.
To avoid hydrogen-induced cold cracking, only filler materials, which add very little hydrogen to the base metal, may be used. Therefore, shielded arc welding should be preferred. For manual arc welding,electrodes with basic coating (type HD<5 ml/100 g in accordance with ISO 3690), and dried according to the manufacturer's instructions, should be used.
Heat treatment
If a stress relieving has to be considered because of constructional regulations, constructive reasons or because it is necessary for the fabrication, please consult us. The properties of structural components can be altered by a stress relief heat treatment.
Detailed instructions for flame cutting, welding, machining and about the structural properties of the S890QL1 are provided in the technical information upon request.
General technical delivery requirements
Unless otherwise agreed, the general technical delivery requirements in accordance with EN 10021 apply.
Unless otherwise agreed, the tolerances will be in accordance with EN 10029, with class A for thickness and table 4, steel group H, for the maximum flatness deviation. Smaller flatness deviations may be possible on request prior to order.


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2003. MTC. Major bodies of water around the San Francisco Bay Area, California. Includes the Pacific Ocean, San Francisco Bay, and the Sacramento River Delta ... California. Metropolitan Transportation Commission.
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