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Here's how RW members rated this race in the past (71 votes).
In short: Great day out!In full: Enjoyed it all the way round, my first half marathon and has left me hungry for more! Very happy with 1hr47! Wife and kids also has a great day with the fun run, very happy with their medals, then being able to cheer me home at the finish of the main event.Date of review: November 30, 2013
Date of review: November 27, 2013
In short: Lovely, lovely race! (but where was the lucozade?)In full: Done this the last two years, and PB each time - so although the Orme is tough, there's plenty of opportunity to make the time up on the run in. The Sea Cadets at the top of the Orme were great. Someone mentioned Lucozade at the end. I didn't see that (and I could have murdered a Lucozade!). The hoodies seemed a size too small (at least mine did). Quite like the medal - it's a little different. Overall a lovely run, and pretty good value I think (some others you pay a tenner more and no t-shirt!).Date of review: November 26, 2013
In short: Great, well organised event.Date of review: November 26, 2013
In short: Challenging but fun!In full: A great half marathon course, fantastic scenery and enough of a challenge without being too silly. It did get a little congested, but there's not much that can be done about that short of changing the course, which would just spoil this lovely race.Regarding previous comments by others: Medal - I quite like it, it's nicer than many I've received.Water - those small pots are a little lacking I suppose, but it seemed to be enough for me.Commentary in Welsh - well, if you study a map, Conwy is in Wales, so what did you expect? French? And besides, I'd imagine a large proportion of both Spectators and Runners would have understood and appreciated it judging by how much I heard being spoken throughout the day. Steven Edwards is an excellent commentator who knows his running, makes a change from the crap local radio guys you normally get lol! Date of review: November 25, 2013
In short: First time Half marathon - but i spotted a few issuesIn full: Would recomend this to anyone looking to step up from 10k like i did. Positives:-Fantastic vistas to take your mind off the aches and pains-Fantastic encouragement from the youngsters giving out water- Great local turn out - 50% of course with people clapping/encouraging- Fantastic end point-Well organised parking directionsNegatives- Course too tight for majority of the run. Not enough room to dodge slower runners- Cups for drinking amount to about 1/4 of a tea cup to gulp down. I realise it shaves down on wastage, but does nothing for dehydration... which i was on the final straight- even after 3 water stops in 5*c weather.Not sure why people are complaining about goodie bags, the majority of costs goes towards road closures (which there are a few) and security (which there is plenty). I enjoyed the lucazade and the water, the medal was good - the t-shirt could have been a technical one, which i could run in.Would have been useful to have bananas to go with the water at the end, as i usually see in other races - a cheap and useful addition for next year?Date of review: November 25, 2013
In short: A toughie!In full: Following on from previous comments --The water cups were poor-the course was challenging which I enjoyed-marshalls were generally surly-the atmosphere and location were brilliant-I was not prepared for the sand and gravelly track , but this was no detriment.-the last part of the hill at 7 miles was a bit of a killer(most folk who were around me sensibly walked it )-the medal was different which I did not object-who wants goody bag anyway ??? most of those handed out at events are a waste of time.-overall a good event which I am glad I entered and completed.Date of review: November 25, 2013
In short: Very challenging race, especially climbing the great orme. In full: Only gripes are no goody bag considering the price of entry, the water stations weren't good, the little foil pots just don't work. Overall though very scenic and very challenging Date of review: November 25, 2013
In short: A great race that gets better every year.In full: This is a fantastic event to take part in, Conwy and Llandudno are beautiful places and the route really shows them off well. I've done this race nearly every year since 2009 and it has got bigger and better each time.Other people have mentioned the water...it is not great tbh, shallow pots with a foil lid, just doesn't work, never has never will, at the first water station the guys were trying to puncture the lids for the runners but later on, trying to peel back a foil on a shallow pot, on the run, not ideal.The other point is the difference between committed volunteer marshalls and paid security staff...groups of two or three guys huddling together ignoring the runners isn't good. In a race I want clear directions from the marshalls, it's what I do for nothing when I am marshalling, if you're getting paid, you could make an effort. Date of review: November 24, 2013
In short: Brilliant race, beautiful scenery.In full: This is the second time I have done this race (having previously done it in 2011), the course is challenging, with a fair amount of climbing alongside the Great Orme. The scenery on the climb is stunning though, and the castle finish is pretty good too. Definitely recommended.Date of review: November 24, 2013


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The movie The Dark Crystal by Jim Henson is about the Ascension. If you watch that movie, you'll see that everything lines up. One time when the cosmic alignment took place, the Annunaki came here. Now the Annunaki and Lightworkers are counterparts of each other. (Just like the Skeksis and Mystics in the movie and how the Skeksis appeared during the great alignment that Olgra talks about with her huge cosmic contraption showing the alignment of the universe in her lab.) There is so much in there that should be known. The dark crystal is a large crystal. There are real crystals that are even larger and they are in places that they are kept secret and safe from the dark ones. One of them got killed once a long time ago, so they need to be hidden. They are a MAJOR part of the balance of life as part of Gaia's physical life force.
Keywords: dark crystal, jim henson, movie, video
Here is my response to someone who was talking about things from a deeply Christian standpoint. There are many things in the Christian faith that are true, but much of it is also changed for the benefit of the dark ones. Below is the post he made and below that is the post I made in response to his.
I have been reading a lot of things lately, but my one question is does he recognize Jesus? Apparently if he doesn't, he might be a demon? I have been growing concerned as of late of these supposed beings of light, something in my gut is telling me something is completely off. I just don't want anyone on Earth be lead astray and is frustrating to me why can't negative beings just leave the Earth alone. It seems like we are all caught in some stupid war with positive/negative for who knows how long. How are we to be sure these beings once they can and land, they are truly God's people? What if this guy named Sananda might not actually be Jesus. I just don't understand anymore, the last thing the Earth needs right now is being tricked by Lucifer. I'm growing frustrated with that fact. I would probably become infuriated if I died by one of his minions. The last thing I need to see is him ruling the Earth with a Iron Fist, I won't allow that to happen. Yeah I'm talking in extremes, but I'm gotten tired of our humanity being screwed over like we were like a bunch of toys to lower beings not visible to us. I have been seeking the truth all my life, and now I don't even know what the real truth is.
Keywords: Jesus, savior, Christianity, manifestation, Sananda, freedom, oppression, enslavement, SaLuSa
When I was a teenager I was able to learn to use sleep paysarlis as a gateway to lucid dreams and out of body experiences. When I was a kid sleep paysarlis was absolutely terrifying because I didn't understand what it was. I thought I was some sort of freak and was afraid to approach adults about my experiences. But as I grew older I started going to the library to research the topic and realized that it was related to other strange, spontaneous phenomena, namely out of body experience and lucid dreaming, that I was experiencing. I soon learned to embrace these skills as gifts rather than abnormalities and have even learned to have OBEs and lucid dreams at will. As I grew into an adult, other concerns took over and I'd experienced fewer and fewer episodes of SP, OBE, and LD. Now I kinda miss them since I spend a third of my life sleeping, and I feel that a lot of that is going to waste if I cannot harness these abilities.
Hey, I read a great article about the photon belt and I figured I'd share it with you. It explains how the photon belt causes the ascension to occur. I copied the article below for you as well.
THE PHOTON-BELT ENCOUNTER (January, 1998) By Noel Huntley, Ph.D. By means of satellite instrumentation, astronomers in 1961 discovered what appeared to be an unusual nebula. We normally understand the nebula phenomenon as a vast cloud-like mass of gas or dust. This one, however, appeared to have anomalous properties and was named the Golden Nebula. The public's attention was not drawn to this unusual revelation until much later, presumably when it was realised that this nebula's location was coincident with the projected orbit of our solar system. Around the early 1980s a radio announcement in the U.S. was made (heard by the author) that our solar system was, in fact, going to collide with an 'electromagnetic cloud' in the not too distant future. This incredibly important statement of astronomical and historical significance was expressed in the usual casual and indifferent manner as though of little consequence--just as was, about that time, the announcement that the FDIC (bank-depositor's insurance) was penniless! Follow-up data was then suppressed and another government cover-up was contrived for the typical purpose of exploiting where possible natural events to camouflage contrived chaos. What is this electromagnetic cloud, this golden nebula, sometimes referred to as the radiant nebula by ETs? Its more universal designation is 'photon belt' or 'photon band', consisting of many bands, and any encounter with this belt is recognised by extraterrestrials as of great import. It is in fact referred to by more enlightened ETs as a 'planetary trouble shooter'. Let us outline the mechanics of this anticipated encounter of our solar system with the photon belt. The whole universe is held together by means of vortices within vortices of centripetal energy--with their associated electromagnetic fields--like whirlpools on water, within larger whirlpools (this is the machinery behind Einstein's spacetime topology of general relativity). These spiralling energies give rise to natural spacetime orbits: satellites around planets, planets around stars, solar systems around other more major vortex centres, and so on. Our planet Earth orbits the Sun once a year but our solar system as a whole also traverses an orbit in this section of the galaxy with a period of about 24,000 years. There are many other solar (star) systems in this cyclic motion (just as there are numerous planets orbiting the Sun). The Pleiades, which is encircled by the photon belt, is about 400 light years from us, and is part of this system and in fact our solar system orbits the central sun of the Pleiades, Alcyone. The belt consists of many photon bands emanating from the centre of the galaxy, and associated with the spiral arms of the galaxy. Thus our solar system, and therefore planet Earth, takes some 24,000 years to come back to its same point in this particular orbit. Picture several star systems in a massive orbit, but now envisage overall a toroid or doughnut-shaped cloud cutting across these orbiting star systems. It is also described as an amoeba-like cloud of particles but most of its frequencies are invisible. This is the photon belt, or photon band. This means our solar system goes through the belt twice each cycle of 24,000 years (that is, every half cycle). The thickness of the photon cloud is such that technically it takes about 2000 years for our solar system to pass through, and therefore about 10,000 years between each encounter with this belt (2 x 10,000 plus 2 x 2000 = 24,000 years). Nevertheless, some sources state that the period in the band could be much less: 30 to 40 years, depending on man's resistance to change. This is difficult to relate to our fixed cyclic picture but, in addition, this same source points out that Earth was in trouble from the damage incurred by our civilisation and called for the photon belt--a typical emergency call procedure for planets. The fact that the 'call' was synchronous with the orbital position merely indicates the higher plans--that the big picture would already have matters organised to happen in that way. This 'call' occurred in 1947 and manifested as a signal which could have been monitored on the AM band, producing a clicking sound--see Robert Shapiro's Explorer Race and Shining The Light series of books. When will this interaction occur? Scientists around the globe in 1992 predicted that the encounter would occur within months to a year; with significant disagreements. A particular source of Pleiadian extraterrestrials indicated that it would not occur until just after 2010 and that it was difficult to predict since the belt was oscillating randomly. There have been in fact huge discrepancies in channeled material regarding the date of this revelatory occurrence, ranging from 1987 to 'definitely before the end of this century' to 2003 and finally about 2011-2012. Other Pleiadians tell us that our solar system skimmed the belt for a few days in 1987, then contacted it for over a week in the following year, increasing the degree of entry each year, and then the Sun went in fully in 1998. The information indicates that Earth does not enter fully until 2012. At the present time we are being informed that the Earth is in the belt (for the period December, 1998 and June, 1999). The belt does, however, have an outer aura which we enter first, and we are not expected to experience the full-blown effects until 2012. What does the photon belt consist of? What will be its effects on the life on our planet, positive or negative? Also what is its purpose, if any? The radio announcement used the term 'electromagnetic' to describe the phenomenon--this is the same as photon, which is a particle of light or electromagnetic radiation. The photon belt is an immense region of space which is radiating intense electromagnetic radiation throughout the visible spectrum and beyond, into high-frequency invisible light; even including some x-ray spectra. It is part of a magnetic flow of light throughout the galaxy. Reference has already been made through the media to huge increases in intensity of 'dangerous' radiation entering through the holes in the ozone layer in certain regions of our planet. It appears that for mankind on this planet the photon belt encounter will be essentially a spiritual experience--but this really depends on man. Nevertheless, the real benefits of this phenomenon is from what is actually causing the photons. It is linked with the so-called convergences. If we are sufficiently evolved at the time, great advancements will occur in our consciousness as we attune to the higher-frequencies. If we are negative, that is, possess too many lower vibrations, the result of selfish actions, we are not expected to survive the frequency incompatibility. The convergence is the end of a stellar activation cycle--this is explained in detail in Anna Hayes' material. Thus, what causes the photon belt? The stellar activations have already begun and will continue through 2012 to 2017. The principle time cycle is 26,556 years, which is the precession of the equinoxes and is caused by a slow wobble of the Earth as it spins and orbits around the Sun. This is known by astronomers. Note that this period is not to be confused with the 24,000 (or so) year cycle in which our solar system orbits Alcyone. Stellar activation occurs when our solar system lines up with the higher frequency bands of Pleiades (star Alcyone), Sirius, Arcturus, Orion, and Andromeda. The frequency bands then merge and pass through Earth. If Earth is out of balance within itself due to abuse from invader ETs, the illuminati, and Earthman's behaviour, the higher frequencies will cause an 'Armageddon'. To understand the alignment, one could think of circles within circles (cycles within cycles) turning at different rates to which are attached magnets. Clearly, periodically they could line up, forming one long and powerful magnet. This would act like a powerful current. It is called a holographic beam since it contains the fundamental energy of these systems. After the convergence, this holographic beam carries the remains of photon activity. When Earth is in alignment, it merges with higher-dimensional parallel Earth, Tara. During this process the particles and antiparticles of these planets and their antiparallel planets are unified in certain specific ways. When these particles and antiparticles come together they create intense photonic activity which we know as the photon belt. It is continually renewed each cycle as the holographic beam passes out through Alcyone, leaving the band around this star. As implied, there will be a natural spiritual selection. In the initial stages of the photon-belt encounter only sensitives will detect anything strange but when we enter fully, even the most hardened individuals will receive the full effects. Both great illumination of consciousness will occur and great resistance to new ideas. This is a period of awakening essentially due to the ascension cycle and planetary alignment. What proportion of effects are directly due to the belt is difficult to say. Nevertheless this phenomenon of both the photon belt plus stellar activity will reduce the veil stopping us from seeing who we are. It will remove some of the barriers around cells and DNA making them more reactive or responsive to new energies, and in fact the DNA will attempt to respond to the changing frequencies, increasing its capacity. Psychological characteristics of entering the belt are the effect of uprooting hidden, secret, or withheld material, bringing it to the surface for transmutation. This means psychological and physical disease patterns will be forced to the surface, that is, the conscious mind. This will give tremendous opportunity to make advancements but also where there is too much to handle will cause illness, depressions, disease and death. More advanced viewpoints see the photon band as a being, a consciousness, which essentially has a 'personality' for change and action. It presents opportunities for change on a planet by adding new energies. It increases the flow of energy in the magnetic grids of Earth, attracting new ideas and energies. People will feel the need to transform but those who consider this physical reality their only expression will dwindle into greater fixations, blocks and negativity. Nevertheless it aids eradication of a species' self-destructive tendencies, which might mean wiping out the civilisation. Even the most dense person will be accelerated into a higher state of consciousness, causing possible havoc in their mind and body if they are not prepared. Channeled material from the Shining the Light books tells of a civilisation which was utilising the planet's resources to make it into a dynamo. This was killing the planet and it called on the photon belt which eradicated the race, everyone, in three days, by putting them to 'sleep'. Nothing as drastic as this will be necessary for Earth; the energy will encourage people to come into balance but where resisted will cause further imbalances. Other information from this source has been given about the effect on animals. They will forage more widely and attempt to give birth more often to maximize their species. They will also be drawn to built-up areas; in some cases this will be old territory for them but in general they will feel the need to be closer to humans. This would only apply to wild animals. The effects on the Earth's body are expected to be quite dramatic. The photon belt enables the planet to repair herself. She will, for example, protect her oil. Too much is being drawn off by man and cannot all be replaced--not dissimilar to drawing off man's cerebral spinal fluid. Mother Earth will harden the crust under the surface and pull in the oil, also gases, coal and ores, deeper into the centre, shifting harmlessly also benevolent races into protected regions. The photon belt will not apparently leave until humans utilise surface resources only, including water. Scientists will find that sub-atomic particles will become more evident and easier to detect. Electricity will be reduced and become less available in the next 50 years--this represents an energy depletion of the planet. Earth is taking on a new energy and scientists must find new ways of working with it. They will even give more attention to how love affects life and its chemistry. New diseases will arise and abnormal heart rhythms for the descending group but expansion of the heart for the ascending group. Other spectacular effects, some of a temporary nature, were expected prior to the recognition that Earth intended to receive the photon belt as gently as possible as our Sun system moves into it. Earth is circling the Sun, thus it is alternatively ahead of the Sun and behind in its linear translation towards the belt. Consequently, either the Sun or our planet would enter first. Scientifically it would have been impossible to predict which, since, as stated, the photon belt is expanding and contracting randomly. If the Sun reached the photon cloud before Earth it had been channeled that darkness would ensue for about three to five days. It would have been expected to be pitch dark with probable cancellation of electrical power sources. If, however, Earth went in first then the darkness would have been avoided. This was all earlier speculation. We were told by one source of ETs that as our planet enters the bands, which would be at a relatively high velocity, we would experience an immediate electric shock, lasting about one tenth of a second, but not dangerous. This appears unlikely now as we are moving in very gradually. Apparently it could have been sufficiently sudden to destroy the civilisation and to heal the planet quickly, but Earth requested a very gradual repair. Of greater concern were said to be the effects of the intense photon activity on the radiation belt around Earth and the sudden compression of the atmosphere and expansion, which was expected to be such that the radiation belt could ignite. If it did, within minutes the sky would be lit up with intense light, more powerful than from a welder's torch. If eyes were not protected it would cause blindness. This intense light was expected to last three days. These dangers appear to have been by-passed. The photon belt encounter, thanks to Mother Earth, has been adjusted to give minimum suffering to mankind and maximum benefit. Another spectacular feature given in earlier reports but not high-lighted so much in the present ones, will be the effect of the intense photon activity on matter. High excitation of atoms will occur, causing fluorescence of all objects, and as a result there will be no normal night time during the period of interaction. The stellar alignments and accompanying photon-belt encounter will play a significant role in the (biblical) transformation of man. Our interaction with it has been referred to in channeling as the Christus. Moreover, the event is supposed to be the true nature of the ascension or rapture, well known in the prophecies of Christianity. The term 'Christus' apparently expresses the Second Coming of Christ. (Christ is a state of being/consciousness --some ETs refer to it as the 'Christ office'. Jesus was not Christ but he could attune to this state--which in turn then paradoxically means he was (being) Christ.) There will be a rebirthing of planet Earth. We are told it will divide; each part retaining wholeness though, producing a 3rd density (frequency density) Earth and a 4th density Earth. This will not be perceived physically; the planets will be in different dimensions. One will be in a parallel universe relative to the other. Earth has many parallel bodies: one around 3.0; we are about 3.5, then 4.0 and 5.0, etc. (the 4th is apparently relatively unoccupied except for some animals having left us and are waiting). The Voyagers books of Anna Hayes describes the division into three time tracks and is highly recommended reading. (Note that serious books on physics cover parallel-universe theories--there is nothing particular weird or new about this. It has been channeled that we sometimes move into parallel-universe planes and back, which are sometimes virtually identical. A further example is that an advanced civilisation exists in the centre of the Earth but this particular civilisation is in a parallel plane which is reached by entering 'electromagnetic' corridors near the openings at the poles and certain other regions.) Possibly the only sad event will be that some families will be split up by the natural spiritual selection of the photon-belt encounter. Some individuals will go with the more evolved Earth, referred to as 4th density, and others with the 3rd density Earth, which could permanently separate their evolution by several thousands of years (in rare instances one person taking the more evolved path may suspend progress to wait for the other). There are a number of greater cycles involved at this time, for example, 225 million years (the Reptilian cycle), 26,556 years (as mentioned), and 104,000 years (a prominent evolutionary peak after four cycles of 26,556 years), culminating in a powerful convergence at this time. It has also been stated that this point in time coincides with the universe reaching its maximum point of expansion. Synchronisation of all such nodes would be expected to open up the dimensional strata for the influx of new energy and the subsequent changes--in other words, a major alignment. The photon cloud has a high density of electrons and positrons (positive, anti-electrons). When an electron and a positron collide they are annihilated and the mass is converted into radiation--photons. The presence of these positrons, however, has been predicted to interfere with electricity, of which the latter is due to the flow of electrons. It has been indicated that before this event occurs it would be possible to redesign the present polarity system, giving a reversal of our polarity to compensate for this problem (we haven't noticed any effect yet). The photon energy as a result of the collision of electrons and positrons will become a major source of free energy (and at this time the NWO will be unable to suppress its use). According to channeled information, extraterrestrials will be aiding our transition during this photon-belt event. It is stated that they altered (years ago) the basic polarity of the Sun to allow it to maintain the integrity of the Sun's planetary system. At a later time, however, NASA's space probe Ulysses detected that the magnetic field of the Sun no longer has a north and south pole! The Sun's magnetic field was found to have changed dramatically into a homogeneous field. No scientific explanation was given, and of course it has been withheld from the public. Furthermore, the SOHO satellite more recently revealed that the Sun responded abnormally to the impact of cosmic bodies causing an eruption of some 30 to 35 solar flares, which is unprecedented. (Note that unknown to present physics the Sun and planetary bodies, etc. have powerful high-frequency electromagnetic fields which would be expected to form the basis for the solar system integrity, despite interference and jeopardy from magnetic pole variations.) The photon-belt encounter and its origin, the alignments, are intended to be a positive experience but only man with sufficient discipline to improve and elevate his consciousness can ensure that the anticipated Golden Age will manifest.
Keywords: photon belt, ascension, science, spiritual
Here's a message someone posted and they felt like they wouldn't make it through the ascension. I hope this response helps people a bit.
I noticed a lot of changes in myself in 2011 and am very optimistic about 2012.It is my wish to ascend but I am fearful I won't make it because I realize I still have lots of emotional issues to heal.I have times where I am centered in my heart and so full of love and bliss. During these times I can see through the illusion of everyday life and feel so empowered!! These periods are often very short though and I quickly return to a lower vibration feeling depressed and sad.Getting outdoors in the woods where I live helps a lot but its not possible for me to go there until the weekends when im not working.I hug the trees and just sit in quiet complentation with my horse and cat nearby.This is how I destress. I ask my angels daily to help me to hear them.Ceila Fenn Told me in an email That the voice I hear at night when drifting off to sleep was AA Michael.I asked him to speak to me and was so happy to recieve confirmation from a valued source that he hears me! I talk to the angels daily and ask for guidance on my ascension path. I just feel I have a long way to go and am not progressing as fast as I would like in my spiritual developement.I am identfied with ego 80% of the time.During 11/11/11 I got sick that day and slept the entire day and was not myself for about a week after.I had vertigo and dizziness and felt disoriented as if I was not in my body. I understand now that the new energy was being downloaded into my body and this led to a 2 week period of bliss right after thanksgiving. I guess I am just impatient and afraid I will miss the ascension bus because I am becoming aware of things i don't like about myself and feel helpless to accept/heal them. There are so many revealations I have made about myself yet find that what I want to uncover eludes me. In trying to uncover the root cause of my chronic back pain I keep drawing a blank yet issues I have of needing to control things have been made perfectly clear and Im stuck not knowing what to do with that revealtion so i find myself in a state of resistance.2011 was full of challenges for me.I faced so many fears and although I grew from those challenges im hoping i won't have to endure as much pain in 2012. How will 2012 be in regards to spiritual growth? Will it be worse than 2011 or what are your opinions?
Keywords: lesson
Here's a post a friend of mine made and below it is my response.
Firstly I have to say that it's been an overwhelming blessing for me to be able to find out this seemingly 'hidden' community/forum about a year ago, and ever since then I've still found myself staying here, and getting enlightened almost every time I've read the posts here. Although perhaps still somewhat a green/newbie myself, but I believe this is the Right path for me to finally practice -on my own- my personal Ascension, for the so-called "Dimensional Shift" that most seem to concur would happen in THE year 2012. But my very deep, curious question is only one: why we have to wait this LONG up until THE-year: 2012 ? why not much EARLIER? especially, what about those poor hoping, yearning lightworkers in the past, say, hundreds of years ago?...if Gods or whatever Angelic/Higher realm beings are said to be very KIND and CARING for us humans, then why they didn't come to rescue much much earlier, even ALL the time? that even some lightworkers have to make personal sacrifices in the past, by getting burned, getting cast out by society, even killing themselves/suicide because they can't relate anymore living in this 'alien' real-world of ours. Didn't God care at all??... Hope some or any lightworkers here can shed some lights here. I'm all for the most objective, pure Truth. nothing less. thank you Namaste~
If Gods or whatever Angelic/Higher realm beings are said to be very KIND and CARING for us humans, then why they didn't come to rescue much much earlier, even ALL the time?
That even some lightworkers have to make personal sacrifices in the past, by getting burned, getting cast out by society, even killing themselves/suicide because they can't relate anymore living in this 'alien' real-world of ours. Didn't God care at all??...
Keywords: how ascension works, take so long


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- September 10, 2012
- 9:14 a.m.
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DeepThought writes:
Absolutely and utterly disgusting...
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How to Get Mega Returns
tephen Wood, Russell Investments chief market strategist, on how to get the most returns from mega-cap stocks.
Sep 21, 2012
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tephen Wood, Russell Investments chief market strategist, on how to get the most returns from mega-cap stocks.
Sep 21, 2012
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Wanted to tell you guys that 660.
Of the S&P 500 stocks are touching new 52 week -- some of these -- Very big names and they aren't doing incredibly well our next guest is right on board he says.
If -- want mega returns going forward you have to look at mega cap stocks.
He is Steve what Russell investments chief market strategist joining us now in a Fox Business exclusive.
Yes we all want -- to return.
Why do these do particularly better since the start of this year.
Well I think you're seeing an uncertain environment say this is risk on risk off a lot of people look at that has been just stocks vs -- And that's part of it but -- also be looking within its equities just to solve this -- you know the way of looking.
Where within equities so the further you've gone -- the capitalization spectrum -- the larger of the stocks event he's senior to date in an uncertain environment with a lot -- uncertainty uncertainty.
Larger cap names more stable more dependable companies of -- fair but.
Better so you're saying that this is a way to have a little bit of risk gone with the actual equity -- risk off because they are solid names at a time when what the consumers more choosy more picky and so therefore they go with a bigger.
More well established names that's extremely well but I would you say yes it does very well sure that it gets -- -- get more good diversification within equities.
So lot of people are thinking if I'm a little bit nervous if I'm getting scared I need to sell out of my stocks what we're saying.
Is by looking within these.
Great global companies they they got strong balance sheets they can tap debt markets equity markets great franchises they're not just US based.
And that those global franchises.
You get better because of visibility you right there let me just -- right there on the screen the Russell top fifty that's how well they have -- up 21%.
Year to date and also up about 28% year over year.
They have outperformed say for example the Russell 2000 expect a small but it's up sixteen -- -- today.
That may be your best selling point price I think so and him when you're looking at a time where we've got the fiscal -- coming up what will quantitative easing three or QE infinity.
Me -- -- QE perpetuity what does that mean.
So as visibility -- lower as the market gets more choppy you can still get some of that protection without necessarily have to get -- some of the names up -- -- look familiar because many of them are Dow components because they are mega caps but you also have names out there like US Bancorp Visa is in there.
Wal-Mart of course the Dow component too but when you look at some of these names they are all extraordinarily well -- -- Qualcomm for example Iraq.
And that's how they get to be the mega cap stocks in many ways because.
Knowing the market votes and by that the capitalization boys up goes up they qualified to be in that index but -- there are -- -- names and again that's part.
Of the logic you want -- strong balance -- that you can really get some visibility into.
As well as we look into the economy the United States especially in Europe as well if visibility is getting to be -- scarce commodity so that the the started the visibility.
That it didn't agree that we can -- was heavily these companies investors can.
I guess and security Steve wood of Russell investments mega caps for better returns that's -- -- message to remember folks thank you so much.
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You're Known by the Company You Keep |
By Laurie Barkman | June 19 2013 (0 Comments) |
Fairly or unfairly, people form opinions about us based on who we choose to associate with. This also holds true from a business perspective. Last year, my husband and I sold our home and moved into a condo. I absolutely love loft warehouse condos with their high ceilings and exposed brick walls. My husband ... not so much! So we compromised. We found a wonderful condo, still within walking distance of all the many amenities downtown Winnipeg has to offer, and we decided to add a stone feature wall. The company we bought the stone from partners with local contractors for install jobs. The store did everything right. The sales person on the floor was friendly, helpful and knowledgeable, answering all of our questions. She arranged for the installer to come by for the initial measure and she provided the quote within the promised time frame. She then made several call and emails on our behalf when the installer was too busy for a five minute phone call to coordinate an install date. It took almost a month for the contractor to call and arrange an install date, never mind actually getting the stone on the wall. Eventually we are going to upgrade the countertops in the two bathrooms and the kitchen and replace the tile backsplash in the kitchen. When we do, we will go elsewhere. That store lost a return visitor, not because they did anything wrong, but because they associated their business with a contractor that is not as committed to providing high levels of customer service as they are. Partnering with other companies that provide complimentary services is a wonderful idea. It streamlines the process for your customers. Many hotels, restaurants and attractions partner to create travel or vacation packages. With just one transaction, the customer receives accommodation and perhaps entrance passes to local attractions, meal vouchers at nearby restaurants and coupons for retail outlets. Before making the commitment to tie your company's reputation with another company through a travel or vacation package, consider the following:
Packages are time-savers appreciated by time-starved customers. Absolutely look for ways to partner with other businesses, but when you do, be sure that your partners are as committed to providing an excellent product and an excellent customer service experience as you are. Remember, if they fall down on the job, it reflects on you as well. For more information on creating positive customer service experiences, visit www.servicedge.ca/. |
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You're watching...
Why Are People Fleeing the Garden State?
NJ Assembly GOP Leader Jon Bramnick on the exodus from New Jersey.
Jan 17, 2013
You're watching...
NJ Assembly GOP Leader Jon Bramnick on the exodus from New Jersey.
Jan 17, 2013
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According to the latest migrations study from united -- lines.
New Jersey is the number one state people are leaving hopefully for greener pastures not California we always talk about that a company.
Joining us -- Republican leader of the new Jersey's assembly John Kramnik the jobless in the had abandoned leaving them is an exodus out of New Jersey what's going on.
Wolf for ten years before Governor Christie took over the Democrats ran our state they raise taxes a 115.
They raise the corporate tax they raised cigarette tax erased everything property tax and -- that would explain that ten year accidents that we that we've seen and from the Census Bureau and others but -- -- -- Whether leading because people don't decide in the next month -- was a process for people said we want to leave they scheduled eBay seller house and they go.
Chris Christie's turn that around with the slowest escalation -- property tax in twenty years now see you're gonna see a reversal when people realize some new Jersey's change.
Think new Jersey's going to be able to compete with states.
-- that are now talking about a -- this eliminating the state income tax that's very.
Sort of encouraging to people like me I wanna sort of run over -- if -- could move on an everyday I would of Louisiana Bobby Jindal out there talking about this.
How states like New Jersey -- new York and compete with that.
Well that's what we're doing of the governor actually -- state income tax reduction Democrats haven't passed it.
The the -- -- is a lot of options for jobs opportunities are great but people don't wanna pay the high taxes.
That's why this governor has been so effective with the Republicans in the legislature changing -- in our state and I think we're gonna make -- -- I think we're also -- In our you can couldn't confirm that justice in more people moving into New Jersey was so sprawling.
We'll where you're making new millionaires -- always committed and there has to be a lot of buzz and excitement with you get in the Super Bowl 2014.
Well we like to -- -- but we also created private sector jobs 75000.
New private sector jobs since its governor's taken.
The we've reduced government jobs and that's a trend it governors set an example for the nation no question about it and were on the move I can guarantee that aren't well but.
Hit everybody here's the problem though and and -- -- -- product.
Competition against these other states in those immediate talk just now abouts lowering.
You know taxes and things like that reversing them that -- them off the table I live in New Jersey.
Is it is you know by the time you know Uncle Sam gets me in -- -- It it's just and then you know -- takes their cut its growing it's it's devastating I can't Kansas City -- -- -- survived.
There is or they had hasn't gone past the point of inflection in other words can it survive can and actually change its tax policy is the one that you talked about -- -- -- years.
Because they've become addicted to that kind of money -- and in.
Well we've already done that with a 2% property taxes -- cap.
As well as this slowing of property tax would you say reversal.
First you have to stop the bleeding with the governor and actually a bipartisan basis we don't have that we put a tourniquet on but how -- we've -- how to weed killer real quick what what.
We've we've put caps on arbitration meaning that you can have public employees get -- 7% raises we'd done that and also with a special place to live.
You may wanna live and other ports -- nation with a lot of opportunities in New Jersey lot of creative ways to go right right jurors aren't out -- thankful we appreciate thank you.
So you don't.
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text: Could an Estacada-Detroit bikeway boost tourism? That's the hope Share this story email Share this story «Previous 1 of 9 Photos Next » Read the story «Previous Next » « » Scenic Bikeway The proposed scenic bikeway would run along Highway 224 between Estacada and Detroit. Photo by Shannon L. Cheesman, KATU.com.


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Did you know that 30% of body heat is lost via the head? That's why parents always securely shove a woolly hat on a child's noggin before leaving the house. It seems that some things Ma and Pa nagged about really were worth hearing. The creative team at ESPERANDO knocked their heads together and created a range of wonderfully woolly unisex knitted hats. Sumptuously soft, scratch-free and heat retaining, each happy hat ensures your head stays warm while it's busy looking pretty and making eyes at the local talent.
Made from 100% Virgin Lambswool. Material isn't scratchy or itchy. Unisex. One size fits all. Relaxed fit.


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Is there a reference anywhere for symbols in UE?
I did a couple of searches in the help and here but could not find something useful.
I have saved a .docx file to text and when I open the text file I see these symbols for EOL
When I paste in parts of this text into a fresh word file word is not interpreting the EOL properly.
I am also aware of possibe conversions as shown below.
I tried the "UNIX/MAC to DOS" conversion and it seemed to help.
Are the symbols highlighted in yellow then UNIX or MAC end of line characters?


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Two Oglesby men are arrested on drug charges
OGLESBY — Cody C. Raley, 29, of Oglesby has been charged with the Class 2 felony of unlawful delivery of a controlled substance (fentanyl).
The Tri-County Drug Enforcement Narcotic Team (Tri-DENT) arrested Raley on Feb. 4.
The arrest was the result of a Tri-DENT investigation into Raley's narcotic activity in the Oglesby area.
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Visitor Tariffs
Fees Quoted in: | US$ = United States Dollar |
UGX = Uganda Shillings |
Download our fees document here
Park Entrance Fees
Please note:
- These fees do not include package activities like Mountain Climbing, Gorilla tracking, Bird watching, Chimpanzee tracking and Chimpanzee habituation experience.
- A day's entrance ticket is valid for twenty four hours from time of entrance
Note: The above rates do not apply to packages activities such as Mountain Climbing, Gorilla tracking, Bird watching, Chimpanzee tracking and Chimp habituation experience.
Vehicle, Boat, Aircraft : Entry and Landing fees
Note: Landing fees exclude entry fees payable by passengers. Pilots en-route do not pay entry fees if they stay for less than 2 hours within the park.
Ferry Crossing, Transport hire, Game Drives
Nature Walks/BirdWatching
Special Activities: Gorilla Tracking, Chimp tracking, Chimp Habituation, Experiential tourism
Note: The booking process and rates for accommodation may change without notice as these facilities are due for further redevelopment and possible changes in Management.
Other Activities, Accommodation and Filming
Note: 2 hours activities for children below 12 years at Kibale at US$ 5 per child per day
Research Fees and Specimen Collection
Fines and Penalties


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Hotel Unique
Hotel unique is one of the best hotels in Delhi. Centrally located easily approachable Good hygiene, very good and delicious food available round the clock. 24 hrs room service
Hotel is centrally located in the heart of city, very near to Karol Bagh metro station, walk able distance from Asia's Biggest Karol Bagh Ajmal Khan Market and Gaffar Market and very near to Karol Bagh Sanitary and Tile Market. The Gaffar market in Karol Bagh is one the famous grey markets in India Well Furnished Rooms with attach Bathrooms Rooms are fully equipped with AC, Telephone, and TV etc 24 hours hot/ cold water availability in the bathrooms WI-FI Internet 24 Hour Reception 24 hours Room service Credit Cards Accepted Car Parking Airport Pickup & Drop Facilities Car Hire Service ( Self Service ) |
Availability & Rates
To view availability and prices please select dates and click 'Update Dates'Hotel Facilities & Policies
- 24 hour reception
- 24 hour security
- Age Restriction
- Air Conditioning
- Airport transfers
- Breakfast Included
- Cable TV
- Ceiling fan
- Child Friendly
- Credit Cards Accepted
- Currency exchange
- Elevator
- Free City Maps
- Free Internet Access
- Free Parking
- Free Wifi
- Internet Access
- Key Card Access
- Mini Supermarket
- Parking
- Restaurant
- Taxes included
- Tea/Coffee Making Facilities
- Tours/Travel Desk
Cancellation Policy
This property has a 1 day cancellation policy. Failure to cancel within this time will result in a cancellation charge equal to the first night of your stay.Must-Read Hotel Info
This property has specific Terms & Conditions.1.Check in & Check out Time : 12:00 Noon
2.Extra Bed would cost you INR 800 per night.
3.Child below 7 Years sharing parents bed would not cost you extra.
DirectionsShow MapHide Map
Walking Distance from Karol Bagh Metro Station
Channa Market , Karol Bagh
Located Near
Walking Distance from Karol Bagh Metro Station
Hotel Unique- 7A/51, W.E.A.Channa Market
(Near Metro Pillor No. 123), Karol Bagh New Delhi- 110005
3 km - New Delhi Railway Station city center
7 km - Old Delhi Railway station
19 km - Domestic airport


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It's exciting, it's important and it's recognized as the financial capital of the world. It's Wall Street, and the activities that take place on the trading floors and in the boardrooms will ultimately impact the lives of us all.
Photo GalleryOn Thursday, November 4, 2010, 40 students from St. John's The Peter J. Tobin College of Business went behind the scenes for a firsthand look at what really happens on "the Street." The 9th Annual Alumni Insider's View…Day on Wall Street, is a unique day-long program designed to offer information unavailable to the general public. The Alumni Insider's View…Programs are a series of initiatives in which St. John's University alumni offer students a behind-the-scenes look at some of the most interesting and exciting careers available today. The program was hosted and sponsored by Depository Trust & Clearing Corporation, Fidelity Investments, the New York Stock Exchange and Standard & Poor's. The day began on the Manhattan campus with an overview of the daily operations of Fidelity Investments. At the end of the presentations students were reminded that their success would be as much a function of their personal values as of the excellent education that they were receiving at St. John's. "A very important mentality for you to have is to have very high personal standards," said Michael Keenan '98CBA, Client Services Manager, Fidelity Investments. "When you get into this business, you'll be judged on how well you compare to your peers and exceed expectations. I attribute my own success to my high personal standards."The New York Stock Exchange (NYSE) offered a firsthand look at the fast-paced activities that take place every day at the world's most historic financial market. For the first time since the program began, students were permitted to spend time on the actual trading floor, coincidentally on the day that the stock market had its highest close (11,434.84) since September of 2008. Their visit to the floor was made possible through the efforts of former New York Stock Exchange employee Mark A Ventimiglia '81CBA, '83MBA. "I was happy that I was able to provide them the opportunity to get on the New York Stock Exchange trading floor and the photo op by the bell podium," said Ventimiglia, currently President of the Tobin College of Business Alumni Association. "The students told me that they enjoyed all the activities the sponsors set up. They were a great group and this was a great day on Wall Street." The next stop was the Depository Trust & Clearing Corporation (DTCC), a family of companies that has helped to automate, centralize, standardize and streamline processes that are critical to the safety and soundness of the capital markets. The students were given an exclusive opportunity for a tour of the DTCC vault, the firm's fortified repository in which actual securities certificates are stored. They learned that the increased use of paperless securities transactions has reduced the amount of stock and bond certificates held in the vault to approximately 1.3 million, significantly fewer than the millions of certificates stored in the vault just a few years ago.Offering practical career advice, DTCC's Lead Learning Business Consultant William Corrigan '92SVC, '02MBA urged the students to "…talk to people and find out what they do, because that will give you some important information when you're deciding on what to do with your own careers. In the financial field you always need to be learning. You need to find out what's going on and figure out what you can best offer to an employer. Programs like this are great, because they give students information they wouldn't have access to anywhere else." It was apparent that students participating in the program took Corrigan's message to heart and were eager to put the suggestions made by the alumni panelists into action. "The speakers offered a lot of information about valuable skills, especially those necessary to succeed in the interview process," said Elizabeth Janson '12TCB. "We need to hone these skills on our own, while still in college, and really focus on entering a good company when we graduate. The information that we got today was invaluable." The program continued with a visit to Standard & Poor's, the world's foremost provider of independent credit ratings, indices, risk evaluation, investment research and data. The S&P 500 provides investors with the independent benchmarks they need to feel more confident about their investment and financial decisions. Alumni provided an overview of some of the firm's operations, including their Fixed Income Market, Service Bureau and Credit Market Services."St. John's students today have so many great opportunities that weren't available when I was a student," noted Steve Murphy '81CBA, Managing Director, Public Finance at Standard & Poor's. "Programs like this Alumni Insider's View let them see what it's really like in the business world and show them what skills they need to succeed – things you just can't get out of textbooks." Murphy was happy to be an alumni participant in the program, both because of his love of St. John's as well as for the chance to help today's students keep the University's reputation for excellence alive. "I take a lot of pride in how far St. John's has come," he continued. "The University has gotten better and better, and it's up to the students today to keep that reputation moving forward." The day ended with an exclusive networking reception at Bowne on the 50th floor of the Standard & Poor's building, where students and alumni had an opportunity to get to know each other on a less formal, more personal basis. It was also a time for the students to reflect on the practical suggestions that they received throughout the program. "We got so much great information today," said Elizabeth Brovero '12TCB, "but I think that the most important thing that I learned had to do with developing my interview skills. I learned that in an interview it's important to keep your mind on what you're saying and present it effectively. For that reason alone, this was an important day for me."Keynote Speaker Robert Adams '84CBA, '88MBA urged the students to "…stay focused on your studies, don't be afraid of hard work and the opportunities will be abundant. Hard work is a trait of St. John's students, and probably one of the most important reasons why they always do so well. And remember that events like this give you a hands-on experience about what working in the financial industry is really like. That's something you can probably only get at St. John's."
For information about Alumni Insider's View…Programs in general, please call Mark Andrews, Associate Director, Office of Alumni Relations at (718) 990-5897 or e-mail firstname.lastname@example.com.
For information about Alumni Insider's View…Programs on the Staten Island campus, please call Nicholas A. Legakis '97SVC, '07MPS, Director, Institutional Advancement, Staten Island at (718) 390-4146 or e-mail email@example.com.


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Adult Degree Programs Admissions
ADP At a Glance
Attend class one night per week (occasional Saturday class may be required)
- Finish in as few as 16 to 20 months
- Tuition for all classes includes books, and there are no additional fees
- Graduate from a regionally accredited university with a great reputation
- Over 90% of our degree-completion students graduate on time from George Fox University
Application Deadlines
- Extended to December 1, 2013! - for January majors (spring semester)
- April 1 – for May majors (summer semester)
- July 15 – for September majors (fall semester)
Be Known is Our Mission
The adult degree program empowers adult students to complete a bachelor's degree in a Christ-centered environment through a cohort-based education with career-relevant curriculum and personal attention from staff and faculty who ensure that each student will be known.
Take Your Next Steps:
Your first step is to submit your unofficial (or official transcripts) to the admissions department so your enrollment counselor can evaluate how your previous academic coursework will apply to the university. Please scan/email your transcript to firstname.lastname@example.com or have your official transcripts mailed to us at the Portland Center.Please also join us at an upcoming information meeting to meet your enrollment counselor and to learn more about the details of the Adult Degree Program.
Return on Your Investment
A 2012 survey of alumni reports that more than 70 percent of our adult degree program graduates believe the program helped them get a new job or a promotion. Read more about the financial return on your investment by completing your degree at George Fox University.


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Newegg.com - A great place to buy computers, computer parts, electronics, software, accessories, and DVDs online. With great prices, fast shipping, and top-rated customer service - once you know, you Newegg.
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Newegg.com - Computer Parts, Laptops, Electronics, HDTVs, Digital Cameras and More!
This Everything You Need Kit includes:
- Nikon D3000 Black 10.2 MP Digital SLR Camera with 18-55mm Zoom-NIKKOR VR Lens
- Replacement Battery
- Replacement Charger
- 32GB SD Memory Card
- Full Size Photo Tripod
- 67'' Aluminum Monopod
- Medium Camera Case
- All In One SD Card Reader
- 3 Piece Filter Kit (Ultra Violet, Circular Polarizer, and Fluorescent Filter)
- Soft Rubber Lens Hood
- Tulip Flower Hard Lens Hood
- Flexible Mini Tabletop Tripod, Bottle of Lens Cleaning Solution, Cleaning Cloth, Squeegee Card, 5 Cotton Swabs


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This truly amazing concert has to be seen to be believed. The legendary sounds of The Eagles are faithfully and brilliantly recreated by five extremely talented men collectively known as Talon. With hits such as 'Hotel California' and 'Best of My Love', to name but a few, they are without a doubt - The Best of Eagles.
See more info at facebook.com/TalonMusicUK
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Having seen the Eagles on their last tour 2006 at the Manchester Evening News Arena, Talon had something to live up to, and they did not disappoint. Stuart from Stalybridge
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Telephone: 01283 512252
New Rules affecting Pension Income Drawdown & ASP effective April 2011
Please note - Income Drawdown is a complex and constantly changing subject and the information provided here reflects the current situation. For more information call us today or complete our short enquiry form and we'll be pleased to help you further.
The Finance Act introduced new regulations effective from 6 April 2011, changing the amount that can be drawn from an income drawdown plan. The requirement to purchase an annuity at the age of 75 has been removed, and an individual will be able to continue in drawdown for their lifetime. This means it is possible to defer purchasing a pension annuity until the member is older when annuity rates and the pension fund value could be higher.
Benefits do not have to be taken from a registered pension scheme by age 75 - they can simply be left in the scheme as unused funds until they are needed. Where scheme rules allow, this now gives members the flexibility to delay taking their pension or tax-free lump sum until after age 75.
Benefits will still have to be tested against the lifetime allowance by age 75 (as a benefit crystallisation event). This means that lump sum death benefits paid after age 75, even from unused funds, will be subject to the 55% tax charge - unless it is a charity lump sum death benefit (which can be paid tax-free).
The following lump sums can also be paid after 75:
- Trivial commutation lump sums;
- Trivial commutation lump sum death benefits;
- Winding up lump sums;
- Serious ill health lump sums (but only from unused arrangements and subject to a 55% tax charge).
New pension income drawdown rules from April 2011
Capped Drawdown
From 6 April 2011, the unsecured pension (USP) and alternatively secured pension (ASP) are replaced by a new single set of income drawdown rules as follows:
Income limits
- In any pension year, the highest income allowed will be 120% of the basis amount from the GAD tables at all ages.
- The lowest yearly income allowed will be nil
Death benefits
- Lump sum death benefits will be allowed from income drawdown funds at any age
- Such amounts paid out from unused funds will be tax-free
- For deaths after 5 April 2011, any lump sum death benefit paid from an income drawdown fund (or after age 75 from unused funds) will be taxed at 55%.
Pension flexible drawdown
This is a major aspect of the new income drawdown rules from 6 April 2011.
Those who meet the new minimum income requirement (MIR) will also have the option of flexible drawdown, which allows unlimited income to be taken at any time.
Under flexible drawdown there is no limit on the amount of income that can be drawn each year. If desirable, an individual can take their entire income drawdown fund out in one go. The usual tax-free lump sum is allowed, but any other withdrawals taken by the individual will be taxed as income in the tax year in which they are paid.
If an individual becomes non-UK resident whilst in flexible drawdown, any income drawn when non-resident will be subject to UK tax if they return to the UK within five tax years of the drawdown.
To opt for flexible drawdown, an individual must meet the minimum income requirement and stop all pension provision.
Protected rights
Protected rights funds can use the normal income drawdown basis.
Pension provision stops
When an individual opts for flexible drawdown they must have stopped all pension provision. In particular, there must have been no contributions (personal, employer or third party) paid to a money purchase scheme for them during the tax year; and they must not be an active member of any defined benefit (or cash balance) schemes.
Existing unsecured or alternatively secured pensions
Those already in unsecured pension (USP) or alternatively secured pension (ASP) before 6 April 2011 will be moved fully onto the new income drawdown rules over a period of up to 5 years.
Pension death benefit rules changes from April 2011
- Lump sum death benefits will be allowed at any age.
- For deaths after 5 April 2011, the tax charge on lump sum death benefits paid from crystallised rights will be 55%
- Circumstances for tax-free charity lump sum death benefits will be extended
- The scope for an IHT charge against pension rights will be narrowed.
Death before age 75
On death after 5 April 2011 aged less than 75, any lump sum death benefit will still be tax-free if paid from uncrystallised rights, however normally taxed at 55% if paid from crystallised rights (such as income drawdown funds or a value protected annuity). The only exception is for charity lump sum death benefits, which can be paid tax-free from crystallised rights.
Death on or after age 75
On death after 5 April 2011 aged 75 or over, it is acceptable to pay lump sum death benefits. This is a major transformation from the previous position on death in alternatively secured pension (ASP), where only a charity could legitimately benefit from a lump sum on death. Any lump sum death benefit paid after 75 including those from unused funds will be taxed at 55%.
Inheritance Tax
From 6 April 2011, two significant changes make the risk of IHT charges even smaller:
- The abolition of the ASP rules mean that the IHT charges that previously applied on death in ASP will not apply for deaths after 5 April 2011.
- The ability for HMRC to levy IHT where they consider that someone has deprived their estate through an "omission to act" (for example, by delaying taking their pension) will be removed for omissions after 5 April 2011.
Costs and risks
Income drawdown plans represent a higher risk to the individual than a secured income arrangement such as a pension annuity, as the underlying assets of the fund are usually invested in the stock market. To ensure the pension fund does not run out of money, the member will require investment advice and regular reviews.
Over the life of the income drawdown arrangement these costs of the initial fund value although large funds will have a lower percentage as there are more assets to off-set fixed costs.
The cost of managing a pension annuity contract is much lower, as the resources of a group of individuals are pooled and there is no need to review on an individual basis. The insurance company must ensure there are sufficient reserves to meet the liabilities, however, this cost is spread across the entire group of individuals. In addition, annuities require a simpler advice process than income drawdown with a one-off administration charge to establish the annuity contract of about 1% to 1.5% of the initial fund value.
Due to the higher costs associated with income drawdown, fund sizes should be at least £100,000 after taking a tax free lump sum. As the growth of the pension fund depends on investment performance, it is important to have alternative retirement income or savings in addition to an income drawdown plan in the event of poor investment performance.
Whilst the above summarises the new rules affecting Pension Income Drawdown & ASP effective April 2011, there is additional detail of which you should be aware so please contact us for further information and advice.
A pension is a long term investment the fund value may fluctuate and can go down. Your eventual income may depend on the size of the fund at retirement, future interest rates and tax legislation.
The value of investments and income from them may go down. You may not get back the original amount invested.
Information is based on our current understanding of taxation legislation and regulations. Any levels and bases of, and reliefs from taxation, are subject to change.
High income withdrawals may not be sustainable.
Taking withdrawals may erode the capital value of the fund, especially if investment returns are poor and a high level of income is being taken. This could result in a lower income when the annuity is eventually purchased.
Annuity rates may be at a worse level when annuity purchase takes place.
The investment returns may be less than those shown in illustrations.
Pensions Enquiry
Pension Fund Calc


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Event | Date & Location | |
FM 102.1 Big Snow Show: Arctic Monkeys & Foals | Friday, December 13, 2013 at 7:00 PM Eagles Ballroom | View Tickets |
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1 per team
2 per team
3 per team
Hello all,
as I play mainly carry in my team, I have constantly encountered Barbed Armor stacking on at least 3+ people from the opposing team to limit my DPS options in team battles.
Now, I don't have problems with Barbed Armor as an item, but rather its cost. It is SO cheap, that practically late game it's not a problem for the whole team to get Barbed Armors and that's when the shenanigans start to happen.
I was wondering if a restriction like 2 or 3 per team like Totem or Astro is good for the sake of balance.
Discuss and happy Thanksgiving.
barbed armor only lasts for 5 seconds.
Deal with it.
It's designed to counter squishy Heroes using critical hits;
Would be kind of stupid if the overfed carry then simply switches targets.
If your opponents activate Barbed Armor, all of you back out and simply do nothing;
then go back in after 5 seconds.. if you fear to die in that timeframe, buy Barbed Armor.
not limiting the number of barbared armor.....
but may be adding a recipe price...
through I think that it isn't that cheap because you mainly get it on support heroes such as vindicator (to stay alive as long as possible for your aura effect) who farm slowly and getting barbared armor would means you are delaying other items
Attack through it and take the beating like a man.
Also, Symbol of Rage to counter damage and actually heal instead.
I've been here before almost all of you.
i think it should be limited like sheepstick and puzzlebox. maybe 2/3 per team at max
Barbed armor is far from amazing. If you look at a list, its only viable on some heroes. You need it on a hero that has a higher healthpool but a lower armor amount than you.. some of these Hero's are Demented Shaman and Magmus.. its only good on a select few so deal with it.
You can counter an well farmed Carry who entirely depends on attacking, with a single cheap item, and it doesnt ******* matter who gets it, where is the logic behind this. There is no other item in the game which closes the farming gap so efficiently like barbed armor.
nerf it. hard. 50% reflection, double price, 35 secs cooldown.
Only hero it really hurts is Maliken, who splashes with his attack, meaning he does big damage to himself if an entire team gets it. Otherwise, you can simply change targets, or counter it with life steal.
If you restrict such item, what you gonna do when they port heroes like ursa here? Perma-ban her? I don't think so.
Congratulations, your enemies have used up an item slot for Barbed Armor!
S2 Games: Dedicated employees serving dedicated gamers. Continuous development. Never-ending improvement.
Tech Support and Customer Support: https://www.heroesofnewerth.com/support/
Look for my highlighted text (important information) and grey text (interesting but not required information).
The only item restriction that ever made sense were old necrobook and stackable mek. (aka this game doesn't need any item restrictions right now)
I don't know what idiot pussies came up with all these item rules.
Teams farming 3 guinsoos? You deserve to be sheeped.


text:
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text:
Curl 2 The mechanics of calculating curl.
⇐ Use this menu to view and help create subtitles for this video in many different languages.
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- Welcome back.
- Hopefully you have a little intuition now
- of what the curl is.
- Now let's actually compute it because if your sole goal is to
- pass a test and not understand the nature of the universe,
- which I think would be sad, but if that is your goal you at
- least need to know how to calculate these things.
- But it's even more fun when you have the intuition.
- And then you'll hopefully never forget it.
- We'll take the curl of a fairly fancy vector field.
- One that I have trouble visualizing but that we can
- mathematically chug through.
- So let's say our vector field-- and I'll do a three dimensional
- vector field just to do a fairly complicated example; I'm
- just going to make it up on the fly --so let's say in the
- x-direction the magnitude of the field is, I don't know,
- let's say it's x squared, y, sine, z, in the x-direction,
- plus-- I don't know --let's make it x, y squared, z in
- the j-direction, or the y-direction.
- And in the z-direction, I don't know, let's make it cosine of
- x times cosine of y, in the z-direction.
- Now we said that you can view the curl of this vector field--
- and I have no intuition of what this vector field looks
- like; I just made this up.
- Maybe we'll graph it for fun just to see how messed up it
- looks --but we said this curl, you could view it as a cross
- product of our del operator and the vector field.
- Well, when you were using this engineering notation, when you
- have a vector broken down into it x, y, and z components, or
- it's i, j, and k components, you can take the determinant of
- that matrix-- when I showed you how to compute the cross
- product --to figure out the cross product.
- So how do we do this?
- So the cross product is going to be equal to-- I didn't have
- to draw a straight line --so how you take the cross product
- of this vector field and the gradient operator?
- Well, you write i, j, k on top like you're taking the cross
- product of any two three dimensional vectors, and then
- you take the first vector-- but it's really a vector operator,
- but it's this del operator.
- And what are the components of the del operator?
- It's the partial derivative with respect to x, the partial
- derivative with respect to y, partial derivative with
- respect to z, right?
- Let me just rewrite the del operator.
- You can view it as being equal to the partial with respect to
- x, i plus the partial with respect to y, j plus the
- partial with respect to z, k.
- So its x, y, and z components are the partials with respect
- to x, with respect to y, with respect to z.
- And then the second, where we're taking this operator
- cross the vector field.
- So what are the components of the vector field?
- I'll probably run out of space, but it's x squared, y, sine, z.
- Then here it's xy squared, z-- I should written all of this
- bigger --and then the third column, the z component is
- cosine of x times cosine of y.
- Just the x, y, and z components.
- And now we are ready to take the determinant, which will
- probably, well, it'll probably get pretty
- messy, but let's try it.
- So this is equal to the i-unit vector-- let me use a more
- vibrant color --the i-unit vector times it's
- subdeterminant.
- So you cross out it's row and column, and so you take the
- determinant of this expression, so it's going to be times--
- this times this, but it's really the partial.
- If you multiply the partial with respect to y operator
- times that expression, you're really just taking, since it's
- an operator and not an expression, you're really just
- going to take the partial of this with respect to y,
- but I'll write it down.
- So it's going to be the partial with respect to y of cosine x,
- cosine y minus the partial with respect to z times xy squared,
- z-- and now we're on to our j component --plus j.
- So now what's the magnitude of our curl in the j-direction?
- Let's cross out the row in the column of j.
- So it's a partial with respect to x of this.
- So this is maybe messier than I originally intended.
- Cosine of x, cosine of y, cross these columns there, minus
- the partial with respect to z of x squared, y sine of z.
- And then finally our k component.
- Oh, and sorry, when you take the determinant, you use that--
- and this is all kind of a bit of voodoo --but you put a plus
- here, a minus here, a plus here, so it's kind of
- this checkered pattern.
- To this is plus i, this should actually be minus j.
- Don't want to make that mistake; this is minus j.
- This is just kind of the algorithm of how do you
- take a determinant.
- OK, then finally we have plus k times the determinant
- of its submatrix.
- So the partial with respect to x of this, sorry, we take out
- it's row and column, so xy squared, z minus the partial
- with respect to y of this.
- Why don't we take this row and columns, and this is the
- submatrix of x squared, y, sine of z.
- All right, now let me try to simplify it, and I'll
- have to get some space.
- Hopefully you understood what I did here and now we got this.
- And now I think I can erase all of this and just so I
- can have some room to simplify things in.
- No, that's not what I wanted to do; I wanted to do
- it in a darker color.
- That's what I wanted to do.
- Erase that.
- Erase that.
- Now we just have to simplify it, taking a bunch of
- partial derivatives.
- What's the partial derivative of this with respect to y?
- Well, x is just a constant, so it's going to be-- well, we can
- just put the i out front, but eventually we want to write our
- magnitude before the vector --so it's i times the partial
- of this with respect to y with our constant.
- Cosine of x is just a constant.
- And then what's the derivative of this with respect to y?
- It's minus sine of y.
- So we'll write sine of y, and let's put the minus out front;
- these are what's multiplied.
- OK, and then we have minus, now we stick the partial with
- respect-- sorry, actually, I forgot to do this part.
- Let me start over, actually.
- So let me just take this expression and I'll
- multiply it by i.
- The partial of this with respect to y is cosine of x
- times minus sine of y-- let's put the minus out front
- --minus sine of y.
- Now minus the partial of this with respect to z.
- Well the partial of this with respect to z, xy squared
- is just a constant, right?
- So the partial of this with respect to z
- is just xy squared.
- So minus xy squared, and then we're going to have all of
- that; that's the magnitude in our i-direction.
- And now we have minus-- because minus in the j-direction
- --what's the partial derivative of this with respect to x?
- Well, the partial of cosine of x with respect to
- x is minus sine of x.
- And cosine of y is just a constant, so it just
- carries over, cosine of y.
- And then that should be-- oh, there we go --minus this
- expression, the partial of this with respect to z.
- Well, the derivative of sine of z with respect
- to z is cosine of z.
- This is just a constant, so it's minus x squared,
- y, cosine of z.
- And that's the magnitude in the j-direction.
- We're almost there.
- And now finally, plus, what's the partial of
- this with respect to x?
- Well, these are just constants, so it's y squared, z minus--
- once again, we just have a y term; everything else is a
- constant --so the partial with respect to y is
- x squared, sine of z.
- And that's the magnitude in our k-direction.
- And we're pretty much done.
- I mean we can simplify it a little bit just
- to make it clean.
- And essentially we could just, I don't have to rewrite it,
- we can just multiply this by negative 1.
- So then this becomes plus, plus, plus.
- Yeah, that's pretty much it.
- This is the curl of the vector field v at any
- point x, y, and z.
- So that's how you calculate it.
- You just literally take the cross product of that del
- operator and your vector field.
- And you'll get something fairly hairy, although this was, I
- think, a hairier than average problem.
- In the next video, we'll do a little bit of this, but I think
- it'll give you more intuition and less of just the algorithm
- and the computation of how do you do it.
- So you in the next video.
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At 5:31, how is the moon large enough to block the sun? Isn't the sun way larger?
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When naming a variable, it is okay to use most letters, but some are reserved, like 'e', which represents the value 2.7831...
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text:
RV Expert Center
Make post-breakfast clean up easier with the Fat Trapper
There are few things more comforting than waking up to the smell of coffee brewing and bacon frying. An old-fashioned hearty breakfast may be especially welcomed when camping, RVing or spending a lot of time outdoors.
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Pouring bacon fat down the drain at home or in an RV isn't recommended, as it can clog the pipes.
Many people opt to pour the grease into an empty jar, coffee or soda can and dispose of it later on. However, using a product like the Fat Trapper makes pouring and disposing it simple.
This product has a wide opening to make pouring mess-free. It also uses replaceable foil-lined bags that can hold hot grease so there's no waiting to dispose of it.
Writes an anonymous Camping World reviewer, "I don't know how anyone would get by without one of these! It's a heck of a lot better than trying to pour hot bacon grease into a soda can to dispose of! It seals tight so there are no odors, and you can get multiple uses before disposing of the foil bag and its contents."


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Is there replacement seals for upper and lower helm unit?Asked on 9/8/2013 by Turbo from Corpus Christi, TX0 answers
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is this compatable with the seastar 1Asked on 1/5/2010 by raleigh show room1 answer
This would not be, please contact our technical dept. for further help.Answered on 1/14/2010 by Bob from Overton's Tech


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5/05/2005: Eritrea: USCIRF issues brief with U.S. policy recommendations |
Contact: WASHINGTON - The U.S. Commission on International Religious Freedom (USCIRF) today is releasing Policy Focus: Eritrea. The policy brief includes specific recommendations for U.S. policy, including actions the State Department should take as a consequence of designating Eritrea a "country of particular concern," or CPC, under the 1998 International Religious Freedom Act (IRFA). The Commission, in February 2004, publicly recommended for the first time that Eritrea be designated as a CPC. The State Department subsequently acted on that recommendation, designating Eritrea as a CPC on September 15, 2004. "Although the 180-day deadline has passed to take action under IRFA, the State Department has yet to announce what policy steps it is going to take," said USCIRF Chair Preeta D. Bansal. "The Commission calls on the State Department to take action and has made some specific recommendations in that regard." The Commission has found that the government of Eritrea engages in systematic and egregious violations of the right to freedom of thought, conscience, and religion or belief. The government of Eritrea has banned public religious activities by all religious groups that are not officially recognized, closed their places of worship, and inordinately delayed action on registration applications by religious groups. To suppress the religious activities of the unregistered groups, Eritrean security forces have disrupted private worship, have conducted mass arrests of participants at prayer meetings and other gatherings, and have detained those arrested without charge for indefinite periods of time. In October 2004, the Commission sent a delegation to Eritrea to examine religious freedom conditions there and to gather information to aid in the development of recommendations for United States policy to promote freedom of thought, conscience, and religion or belief in Eritrea. Our findings and policy recommendations are included in the policy brief we are issuing today. They include: · The U.S. government should engage in vigorous advocacy on religious freedom and other universal human rights at all levels of involvement with the government of Eritrea and draw international attention to religious freedom abuses in Eritrea, including in multilateral fora such as the United Nations Commission on Human Rights . · The U.S. government should conduct a review of development assistance to Eritrea with the aim of redirecting such assistance to programs that contribute directly to democracy, human rights, and the rule of law. Increases in other forms of development assistance should depend on measurable improvements in religious freedom. Policy Focus: Eritrea can be found on the Commission's web site atwww.uscirf.gov.
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Posted: Jan 21, 2013 8:35 PM by Dave Hovde
Stagnant weather conditions are allowing air pollutants to be trapped near the ground. In the wintertime, when the weather remains cold and stagnant for several days, wood smoke can build up and pollution levels rise. An increase in particulate matter is forecasted to occur; however, the AQI is forecasted to remain in the good category. Extremely sensitive individuals with existing respiratory or heart conditions may experience adverse health effects and may need to take appropriate precautions. The general public likely will not experience symptoms.
Tuesday, Jan 22: 36 AQI Good Particle Pollution (2.5 microns)
Wednesday, Jan 23: 32 AQI Good Particle Pollution (2.5 microns)
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Survey of Energy Resources 2007
Crude Oil and Natural Gas Liquids Country Notes
Proved recoverable reserves (crude oil and NGLs, million tonnes) |
1 221 |
Production (crude oil and NGLs, million tonnes, 2005) |
62.3 |
R/P ratio (years) |
19.6 |
Year of first commercial production |
1956 |
Proved reserves of oil (9 050 million barrels, as quoted by World Oil) are the second largest in sub-Saharan Africa. Oil & Gas Journal has recently raised its estimate (to 8 billion barrels at end-2006); the other standard published sources all quote levels close to that of World Oil.
The early discoveries (from 1955 onwards) were made on land, but the greater part of Angola's oil resources lies in the coastal waters of its enclave of Cabinda and off the north-western mainland. Major discoveries have since been made in deep water locations. Offshore exploration and production activities largely escaped disruption during the long civil war, and output has risen sharply since 2001. By far the greater part of the crude produced is exported. Angola became a member of OPEC with effect from 1 January 2007.


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I'm a student writing a VJ app in Java/JOGL and I'd like to be able to hook up the Space Navigator and do some cool things.
I've heard about jinput, but I wondered if anyone has got any links to some kind of guide to setting this up with Java on a Mac?
I'm still a bit green as far as programming goes, but learning fast, so I'd appreciate any help that is offered.
All the best.


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