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Cultural Leadership Retreat
The Cultural Leadership Retreat (CLR) will be held for UNLV students on February 20 – February 23, 2015. This two and a half day retreat presents the opportunity to explore various facets of identity, diversity, and social justice and their relationship to leadership. Participants can expect to go into a deep exploration of their own identity, and to bravely examine the role of power and privilege and how one can use their privilege to advocate social change. During the retreat, the entire group will participate in a series of educational sessions and discussions in large group, as well as in smaller group clusters.
- Who is this retreat for?
- All UNLV students with at least a 2.5 grade point average and no social probations are eligible to apply to attend the retreat. The retreat only has spot for 50 students and priority is given to students how have not attended the retreat.
- What are the logistics of this event?
- CLR is held off-campus at a retreat center. Lodging, meals, transportation and retreat materials are provided for all attendees; there is no cost to participate. CLR begins as soon as participants arrive at the retreat location on Friday and concludes on Sunday afternoon. All participants must travel with the group and must attend the program in its entirety.
- How do I know if I've been selected to attend?
- After the final application deadline, the CLR team will review all of the applications and select the participants. Those individuals not selected will be placed on an "Alternate List" in case spaces open up. Following the selection process, all applicants will be notified by e-mail of their application status approximately one week after the application deadline.
- How do I apply?
- When the application becomes available it is strongly encouraged that when you begin completing your application you allow enough time to complete and successfully submit your application. We strongly recommend reviewing the application and carefully considering your responses to the essay questions before submitting. Due to the high volume of applicants, applications are carefully reviewed by the staff team to determine quality and integrity of applications.
Applications for CLR 2015 will be available on November 17, 2015. Applicants must complete and submit the application by 5:00pm on Friday, February 6 to be considered for CCLR. There is $25.00 refundable deposit that must be submitted in addition to the application to secure your spot on the trip if selected. Applications are considered incomplete until the deposits are submitted to the Center for Social Justice or the Office of Civic Engagement & Diversity.
For more information contact Derric Carter, Graduate Assistant at the Center for Social Justice, at email@example.com or 702-895-4099.


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KURDWATCH, November 27, 2014—On November 12, 2014, the Kurdish National Council organized a demonstration in ʿAmudah to mark the fifty-fourth anniversary of the ʿAmudah cinema fire [further information]. About six hundred people took part. No incidents were reported.
KURDWATCH, November 26, 2014—On November 9, 2014, three representatives of the Kurdish National Council arrived in ʿAyn al‑ʿArab (Kobanî) to negotiate with the leaders of the Democratic Union Party's (PYD) People's Defense Units (YPG) about possible participation in the fighting against the Islamic State (IS). The YPG tied such participation to the condition that Kurdish National Council fighters would be subordinate to the YPG command.
KURDWATCH, November 26, 2014—On the basis of a decision by the Committee for Internal Affairs in the canton of ʿAfrin, the Asayiş, the security service of the Democratic Union Party (PYD), distributed a notice to all operators of event halls in ʿAfrin on November 5, 2014. According to the notice, any event that was not previously been authorized by the Asayiş or one of the PYD's people's houses is prohibited. Consequently all future private wedding celebrations in ʿAfrin must be authorized in advance.
KURDWATCH, November 26, 2014—On November 10, 2014, employees of the Asayiş, the security service of the Democratic Union Party (PYD), informed the pupils of several lower and upper secondary schools in al‑Qamishli that in the future they will receive training in handling weapons on holidays and weekends. This also includes girls' schools.
KURDWATCH, November 26, 2014—Between November 5 and 16 2014, fighting broke out twenty kilometers west of the city of Raʾs al‑ʿAyn (Serê Kaniyê) between the Democratic Union Party's (PYD) People's Defense Units (YPG) and the Islamic State (IS). YPG fighters claim to have killed two dozen IS‑fighters.
KURDWATCH, November 26, 2014—On October 30, 2014, the Democratic Union Party (PYD) released Muhammad Saʿid Muhammad ʿIsu and Rasul Ismaʿil Muhammad, both members of the Kurdistan Democratic Party – Syria (PDK‑S), after they had been detained for approximately fifteen months. A PYD‑court had sentenced ʿIsu to ten years and Muhammad to seven years in prison [further information on the case]. Both men told KurdWatch that they were tortured while in prison. At least six additional members of the PDK‑S are still being held by the PYD.
KURDWATCH, November 21, 2014—On November 4, 2014, members of the Kurdistan Workers' Party (PKK) kidnapped the fifteen-year-old pupil Najah Nerwan Ahmad from her school in the village of al‑Kazimiyah, ten kilometers east of al‑Malikiyah (Dêrik). A family member told KurdWatch: »At around 2:00 pm the teacher informed us that our daughter had been kidnapped by Hevals [PKK‑supporters, literally »friends«]. We don't know exactly where she is.« The family assumes that their daughter has been forcibly recruited.
KURDWATCH, November 21, 2014—On November 6, 2014, employees of the Asayiş, the security service of the Democratic Union Party (PYD), fatally shot twenty-five-year-old Ziyad Salih Oso in ad‑Darbasiyah. Oso was kidnapped by the Asayiş during a large-scale forced recruitment [further information], but was able to flee from a PYD‑prison in Tall Maʿruf. A relative told KurdWatch: »When Asayiş employees stormed his house, Ziyad attempted to flee in his pajamas. They shot him not far from his house.«
KURDWATCH, November 21, 2014—On November 4, 2014, members of the PYD‑affiliated Revolutionary Youth used force to kidnap fourteen-year-old Chiman Muhammad Sadiq Ahmad from her school in Tall Shaʿir, ten kilometers west of al‑Qataniyah (Tirbesipî). The Democratic Union Party's (PYD) People's Defense Units (YPG) are refusing to return her to her parents and informed them that she may be brought to Kandil. The family was also threatened with consequences if they continue to speak to the media about the kidnapping of their daughter.
KURDWATCH, November 21, 2014—On November 5, 2014, employees of the transitional administration for the canton of Jazirah, which was appointed by the Democratic Union Party (PYD), distributed voting documents in al‑Qahtaniyah (Tirbesipî). According to the documents, the legislative council and municipal administrations are up for election. More information is not available.
KURDWATCH, November 21, 2014—On November 3, 2014, the Islamic State released more than seventy Kurds from ʿAyn al‑ʿArab (Kobanî) who had been kidnapped in the past twelve months. The Kurds were released in Manbij. More information about the total number of Kurds kidnapped by the IS is not available.

subset: commoncrawl


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Cotswolds Advice needed (esp. Stow-on-the-Wold)
- LulusMom Nov 13, 2008 08:42 AM
We'll be in the Cotswolds for a few days later this month, staying in Stow-on-the-Wold, and would love some advice on good places to eat. We plan to spend our days taking leisurely drives and looking at the scenery, so we'd be grateful for any place you can recommend in the general vicinity. We're interested in top notch food, but will have a toddler with us. She's well behaved, but 2 hour lunch-type places might try her patience. Thanks in advance for any help you can offer.
Le Manoir aux Quat' Saisons is about an hours drive away from Stow and I can highly recommend it especially with little ones in tow. We had a truly memorable lunch for my mother's birthday there a few months ago with a seven month old and a two and a half year old. Le Manoir has a reputation for being child friendly and that is exactly what we found. The staff were delightful with the youngesters and nothing was too much trouble - not an eyelid was blinked when food was thrown on the floor (by the children I hasten to add!). They do a special children's menu and of course we all had to sample the chips from Raymond Blancs egg, sausage and chips! The set lunch was excellent value with a choice of two per course, possibly more if you look at the vegetarian menu.
re: zedman_1
This is absolutely priceless advice (and I promise not to throw food). I'll see if they have a website, but in the meantime, can you help me any with what town it is near? Thank you so much.
re: LulusMom
It's in Great Milton east of Oxford. If the weather is nice a walk around the gardens of the Manoir is wonderful.
Another place that I have had recommended but have yet to try it is The Lamb Inn in Burford. It seems to have mixed reviews so perhaps someone else could comment.
re: LulusMom
Be warned, though - it's definitely not cheap!
I think you got a series called The Restaurant in the States? Where couples compete to open a restaurant with a renowned chef? It's Raymond Blanc, who runs Le Manoir.
In Broadway, there a re a cple of choices. There's a very fancy place who's name escapes me, if it isn't something like the Broadway Arms or something like that. There are are also several more liesurely family-inclined places around the central square. Sorrt, it's been almost 20 years since we brought our 10 and 8 year old there
Have you checked out my Cotswolds post?
I think these would work for you. On past trips we have also enjoyed the Lamb Inn in Burford, though it is a bit pricey. Very charming and good traditional food. The Churchill Arms in Paxford is a pub with serious food in a very casual atmosphere. I would avoid the Lygon Arms in Broadway. We were not wowed by the food a few years ago, and it is very expensive. It's in a hotel which seems to have gone through a lot of changes of ownership.
I haven't been there for a few years, but The Village Pub (that's it's name ...) in Barnsley was always reliable - we have had several lovely meals there, both lunch times and evenings. It's run by the same people as Barnsley House, which is a much more expensive and fancier place over the road, but is obviously more relaxed.
I would second the Churchill Arms in Paxford. We had some good meals there, although that was about 3 years ago. I seem to remember the management has changed, but I'm not certain at all. It could be the food is even better now!
Wow, thanks everyone for the outpouring of helpful information. I really do appreciate it. I'm happy to have a few splurge meals while we're there ... my main concern is making sure both child and other diners are not put off by her being there.
Now, do you want to help a poor American out? I've been pronouncing this place to rhyme with Low-on-the-Cold. Is that correct, or is it more like Cow-on-the-Walled or some mixture?
re: LulusMom
I've lived here almost 5 years and still have trouble pronouncing a new place. Not to worry! I think it's like stow the baggage away in the cold. The cold part is hard for us Americans ....as in Covent Garden. My husband says I never say Covent the right way as I don't form my mouth in exactly the right way.
re: zuriga1
Yay! Then I came close to being correct. Truly, the pronounciations can really mess you up sometimes, can't they? My (Canadian with Scottish parents) husband makes constant fun of the way I pronounce scone (I rhyme it with phone, he rhymes it with lawn). Thanks so much for the pronunciation guide.
re: LulusMom
I just hope I'm right. :-)
re: LulusMom
I'm British and I rhyme scone with phone too. You can pronounce it either way. It's not even a north vs south thing, it's a family thing I think.
re: LulusMom
Scone can be pronounced like phone (and that is probably the proper way grammatically....) but I always say it like scon. If your husband is pronouncing it like lawn - ie. like scorn - then you should be making fun of him...!
re: Theresa
Sorry, in the US we don't pronounce lawn with a "r" sound in it. I should have been more clear about that (forgetting differing pronounciations). Maybe the better way to describe it is that he rhymes it with Goldie Hawn's last name.
re: LulusMom
Then you should definitely be making fun of him. Noone would pronounce it to rhyme with "Hawn"! It's either "scone" to rhyme with "phone" or "scon" to rhyme with "gone".
re: greedygirl
Oops again, In American, gone does rhyme with Hawn. How do you say the actress's last name?
re: LulusMom
This is reminding me of the time I saw a British woman on television talking about an article she'd seen in the Philadelphia Enquirer. She added an R sound to the end of the first word, and left the R sounds out of the second one: Philadelphiar Enquiah-ah.
re: LulusMom
Rhymes with "lawn"!
re: greedygirl
Doh! I should have figured that out, shouldn't I??? Here we don't put the R in it. Or I guess I should say, it rhymes with gone.
re: LulusMom
What's more confusing is that you pronounce "gone" slightly differently to us, I think!
re: greedygirl
Some American accents would say 'gone' to rhyme with 'scone,' as in 'scon,' but not all. My brother who has lived in Chicago and CA says it that way. This is getting more confusing by the day! :-)
re: zuriga1
Precisely why I needed to ask how the town is pronounced. I think I'm going to keep my mouth shut as much as possible while in the UK!
I am very surprised that no one mentioned "Le Champignon Sauvage" in Cheltenham (a mere 15 miles from Stow). LCS is a 2* Michelin and it is held in very high regard by lots of people.
I thought the cooking was very very good (but FOH wasn't great). If you are in search of really great British/French cooking you should not miss LCS - Google it and you will see the rave reviews. It isn't expensive for the quality. It won't suit a toddler for dinner but I am certain lunch will be fine. It is family owned and run.
I hate to disagree with PhilD, because I really respect his opinions, and he has steered me to some great places, but I strongly disagree about Le Champignon Sauvage. Yes, it's been 4 years since I was there, but they had 2 Michelin stars then as now, and I just cannot believe that if it were in France, it would have gotten even one star. Everything was perfectly decent, and prices are reasonable, but there was just no excitement in the food, no "wow" factor. I've had so many better meals in much less pretentious places.
re: rrems
Rrems - you make an interesting point. I personally didn't like the room or service and I tried to disassociate these aspects from what was on the plate. But I think that is very difficult to do - to me the ambience and service are very integral to my enjoyment of a meal.
Thus I agree I have had a lot of better meals. But I do think David Everitt-Matthias (the chef) is good - I just wish the other elements of the restaurant showed it off better.....which could add the excitement...?
As you say it now has two stars, 1 of only 10 two stars in England (of which there are only 5 outside London). It does a set lunch or dinner at £25 for two course and £30 for 3 courses. Not bad value.
If you head up to Stratford for sightseeing, the Bell at Welford-Upon-Avon is very good for lunch -- their onion rings are smashing, their salads wonderful and they serve Lashford's sausages, a locally-made variety that is completely amazing. And on a non-food note, Broadway and the Slaughters (Upper and Lower) are not to be missed for the scenery.
re: GretchenS
Thanks Gretchen. We definitey have the Slaughers and Broadway on our list, not sure we'll make it to Stratford, but I'll make note of the Bell.
Thanks to everyone for your help on our trip. In the end the weather wasn't great (very cold, but the biggest problem was the incredible fog- made drives to appreciate the scenery sort of pointless). Still and all we had a great time, and what we did see was beautiful.
Quick report on Stow. If I get a chance I will also report on other places we tried on our various drives in the area. Our first night we ate at the Queen's Head, a very cozy pub. Loved sitting there having a pint, but wasn't so crazy about the food. Next night was the King's Arms. We had had a fairly big lunch so each went for 2 appetizers instead of a meal. Husband had potato, leek and smoked haddock soup and really enjoyed it, then beet and ricotta ravioli. These he found oddly sweet. My appetizers were smoked trout creme brulee (I kid you not), which was actually pretty tasty. Somehow it worked, but it was exactly what it sounds like. I then had duck spring rolls in a mango sauce. Very good, but on the sweet side (mango sauce will do that). Overall we enjoyed this meal, but both figured that you have to be careful in order not to OD on the sweet factor at this place. The next night we went to the Eagle and Child. This was by far the best food we had in town, although also by far the worst service we had on the entire trip. I had smoked haddock over potato/chive/creme fraiche, and a butternut squash risotto, both were excellent. Husband had a hummus and tapenade plate which he raved about (he's not usually that huge a fan of either), then he got a tempura battered fish (don't remember what fish) with veg. Despite the weird/bad service they were very helpful in making a special pasta for Lulu. The childrens menu had linguine with either tomato sauce or cheese, and they were fine with giving her olive oil and garlic instead. And so, despite the service issues we figured we'd try it again the last night. Food was very good again, although my main was described as cheddar and chive souffle, glazed rarebit. I wasn't really sure what this glazed rarebit part was, but ordered anyway. The souffle ended up being more like a bisquit ... very doughy and bready, so I assume that this is what the rarebit thing was about. Not a huge deal, just not what I was really in the mood for. They also have absolutely wonderful sticky toffee pudding.
We came away from this trip with a huge appreciation for good pub food, and for the wonderful and warm atmosphere in most of the pubs we tried.


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Cairns City Apartment Rental Photos and Description
Brand New 3 Bedroom Villa set in a gated community with a huge resort pool, tennis court, private courtyard, double garage, ensuite and walk in robe. A true residential resort lifestyle.
This quiet complex is located only 15 minutes from the CBD. With Mount Sheridan shopping centre across the highway and nestled in an acerage land developement Sheldon Avenue is perfect for your short stay.
Apartment Features:
3 Bedrooms
2 Bathrooms
Ground floor villa
Double lock up garage
Full kitchen facilities
Washing machine
Plasma TV
Fully furnished
Complex Features:
Resort style pool
Tennis court - must provide own equipment
Secured complex
-- Minimum 7 Night Stay --
*** Linen Hire, Cleaning Fee and Booking fee included in total balance***
Please read through our terms and conditions before booking your accommodation.
- Suitability:
- non smoking only


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Penguins' Crosby OK with Neal Comments About Trade
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Justin Abdelkader's goal 4:16 into overtime capped a dramatic Detroit rally, giving the Red Wings a 4-3 victory over the Pittsburgh Penguins on Thursday night...
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With a new general manager, coaching staff, system and players, the Pittsburgh Penguins entered the 2014-15 season as anything but business as usual...
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On paper, it looked like an easy win for the Pittsburgh Penguins . After three days of rest, the Penguins (3-1-0) hosted the Philadelphia Flyers (1-3-2) for NBCSN's "Wednesday Night Rivalry...
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Four games into his career as an NHL head coach, Mike Johnston is breathing new life into the Pittsburgh Penguins . The team is off to a solid 3-1 start while leading the NHL in power-play efficiency and goals per game...
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Remarkably, Pascal Dupuis will play for the Pittsburgh Penguins against the New York Islanders on Saturday night...
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Showing all newswire headlinesView by date, instead?
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The subject is putting Linux, the open-source operating system, on your PC. Results should be more or less the same, regardless of the hardware you use. But some Linux variations are more suited to the unique demands of notebooks than others. Your friendly reviewer--with considerable assistance from his computer-scientist brother--used kubunto (pronounced kay-ubuntu) from Ubuntu on a ThinkPad from Lenovo.
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Crafts by Age
We have compiled some of our crafts by age to help you quickly select a project that is just right for your group or youngster. Not all of the crafts are designated this way so don't forget to search under specific topics.
Thanksgiving Paper Quilt
Everybody has something special to be thankful for. Let each
Apple Shape Book
What a cool way to recycle old paperbacks.
Handprint Bat
The FreeKidsCrafts Team has created this charming little Bat Handprint
Handprint Cherry Tree
February 22nd is George Washington's real birthday so the Free
Handprint Autumn Tree
Fall is a pretty time of the year. The FreeKidsCrafts
Wild and Wicked Witch
Are you captivated by magic, wizards, spells, or witches? This
Artificial Pumpkin Centerpiece
Would you believe this beautiful Pumpkin Centerpiece is made from
Printable Friendship Handprint Poem
The FreeKidsCrafts Team has designed this Handprint craft to make it
Leaf Rubbing Fairy
Autumn is a fantastic time to take leaf rubbings and
Easy Flip Flops
Great pair of slippers and a fun gift to make
ABC Paper Chain
The FreeKidsCraftsTeam has created this Alphabet Chain to make learning your
Ice Cream Stick Ghoul
What fun to make a whole family of Ghouls in
Iris Folding Apple
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Time to get back in the school groove and here
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Gentle sounds announce the arrival of kids as they enter


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Schwab Bond Insights: Pensions and Munis, Oil Prices and High-Yield Bonds, Retirement Income
Key Points
- We think the Treasury curve will continue to flatten, as short- and intermediate-term yields move higher as we approach the first rate hike. However, we believe long-term Treasury yields are likely to remain relative low in the near term.
- Rating agencies are paying more attention to municipalities' pension fund burdens.
- Energy companies are now the second-largest issuers of high-yield bonds. As a result, oil prices can have a significant effect on the high-yield bond market.
- We list three myths about retirement income strategies and explain why they're not true.
The FOMC announced the end of its third quantitative easing (QE) program this week, officially ending its bond buying that began over two years ago. This was generally expected by the markets.
While the Fed maintained its "considerable time" language with respect to the timing of first rate hike, the statement contained new text that stressed that the timing will be data-dependent. We still think the Fed is likely to first raise its target in mid-2015 but the recent volatility suggests that there are differing opinions among market participants about the timing of the first rate hike.
After plunging in mid-October, U.S. Treasury yields have rebounded as investors have gradually reversed their "risk-off" stance, which contributed to increased volatility and sharp declines in the riskier segments of the markets.
Long-term Treasury yields still remain near their 2014 lows, however. At 2.33%, the 10-year Treasury bond is still well below its 2013 close of 3.03%.
Short- and intermediate-term Treasury yields have seen more pronounced moves, helped by a less dovish statement at the recent FOMC meeting. The FOMC's October statement pointed to further improvement in the labor market, and downplayed the recent lower trend in inflation.
We think the Treasury curve will continue to flatten, as short- and intermediate-term yields move higher as we approach the first rate hike. However, we think long-term Treasury yields are likely to remain relative low in the near term, with low inflation, continued geopolitical risks, and demand from foreign investors keeping yields in check.
What Muni Investors Should Know About Pension Funds
Rating agencies have begun to pay more attention to pension benefits, whose rising costs represent a burden on the $3.7 trillion municipal bond market. In fact, rating agencies have recently cited growing unfunded liabilities in their downgrades of some large issuers.
Detroit and two cities in California also mentioned the cost of employee pension funding as a contributor to their bankruptcy filings.
However, the media spotlight on the cost to fund public pensions may be good news for investors, as it has led politicians to acknowledge the issue and push for pension reform. Here, we'll discuss what this might mean for municipal pension funds, and what steps municipal investors can take.
How do pensions work?
State and local pensions are generally funded by a public employer—that is, the state or local authority. Public pension plans hold and invest contributions from an employer—and, to an increasing extent, public employees—to guarantee the employee a stream of lifetime payments in retirement.
The state or local government must contribute into its retirement system—in other words, a pension fund—to pay for future benefits. If the value of the plan's assets fall, or the future retirement benefits promised become more expensive, the employer generally must contribute more. Those costs, of course, must compete with other costs, such as other public services or debt payments.
Funded pension levels vary greatly from state to state
In 2012, only four states saw their funded pension ratios improve from the prior year.1 Currently, most state and local government plans aren't at or above 100% funded levels. That means that—factoring in projected future investment returns relative to estimated future benefit costs, projected retirement dates for current employees, and other factors—they haven't set aside all of the assets required to meet 100% of the needs of future retirees.
The level of funding doesn't show the whole picture, however. It's only a snapshot of the amount of assets available to invest in order to meet projected future needs.
To help determine if a pension is likely to be a longer-term problem, an important metric to evaluate is the state or local government's annual required contribution (ARC), or the amount it needs to pay to keep the plan on a steady path to full funding.
Any sign that a state or municipality isn't willing, or able, to make the contributions required each year to pay for future pensions costs is often a red flag of other budget problems. That's one reason, according to rating agencies, for several recent state rating downgrades.
If a state or municipality fails to pay 100% of its ARC, it is pushing the expense into future years—which can become an overwhelming burden if payments are delayed for too long. The illustration below shows the percent of ARC paid in 2012.
The percentage of ARC paid varies drastically
Source: Pew Charitable Trusts, as of March 2014.
Rating agencies are beginning to take notice
Very few states have fully funded pensions, and very few have been able to make 100% of contributions actuarially estimated as necessary to them in recent years. Moody's downgraded Illinois, Connecticut, Kentucky, New Jersey, Hawaii, and Pennsylvania in recent years, citing (in part) their heavy pension exposure as one reason for the downgrade.2
In fact, Illinois was downgraded by Moody's five times since 2009 as a result of its growing liability—which is the worst in the nation—and other unpaid bills. Partly as a result, the additional compensation an investor requires for holding a 10-year Illinois general obligation bond is 155 basis points above the yield on a AAA-rated muni—the highest of any state.3
Not all the news is bad
For most municipal governments, not having 100% of the assets to meet a future liability isn't a grave concern on its own, or a sign of insolvency today. Most state and local pension plans "have sufficient assets to cover their benefit commitments for a decade or more," according to a report from the Government Accounting Office.4
Pension funding status
Source: Standard and Poor's, as of June 24, 2014.
Also, state pension contributions nationally account for approximately 7% of total taxes, so it appears most municipalities have the resources to adequately manage their current pension burdens, according to the Rockefeller Institute. However, this can vary from state to state.
Large pension liabilities force action
For the most part, states have shown a commitment to managing their pension burden. According to the Pew Charitable Trusts, 45 states have approved some version of pension reform since 2009. Also, more than 2,500 bills related to pension reform were introduced from 2013 through the first half of 2014, according to the National Conference of State Legislatures (NCSL).
The most effective reform tool appears to be reducing future benefits, which in turn cuts the amount the state has to pay today to fund that benefit. Reducing benefits for current employees can be constitutionally challenging, though. Other reforms are aimed at increasing employee contributions, raising taxes, or reducing spending. Some states are even moving away from a pension-type retirement plan and shifting new employees to a 401(k)-type retirement plan, effectively shifting the investment risk of funding the employee's retirement from the municipality to the individual.
What to do about it
The worst may be behind us in terms of funded pension levels. S&P's opinion is that although funded levels have continued to decline, they have likely bottomed out.5 But that doesn't mean you shouldn't pay attention. How should the issue change your approach to investing?
- Do your homework. Schwab clients can find recent disclosures and financial statements, which generally include the funded ratios for the issuer's pension plans, in the MuniDocs® on Schwab.com. Also consider qualitative factors. If you own state and local bonds, are government leaders tackling pension problems, or postponing action? If you own bonds from issuers that have been less proactive in addressing pension or other budget issues, you should generally receive higher yields in exchange for the higher risk.
- Diversify. If you own 10 or more individual issuers, at a minimum, the diversification helps limit idiosyncratic, individual credit risk. We don't expect to see a significant increase in defaults or distress caused by pension or post-employment costs. Try to avoid too much exposure to any single issuer, but if you do hold any outsize positions, we believe you should focus even more on the quality of those bonds.
- Consider munis that aren't affected by pensions. If you are concerned about rising entitlement costs, consider looking at munis that are not affected by pensions. For example, some munis are legally backed by a dedicated tax pledge as their source of repayment.
- Consider outsourcing to professionals. Investors without the desire and interest to monitor individual credit conditions are not alone. We believe professional muni bond fund managers can help manage issuer-specific risk and monitor issues—like pension liabilities.
How Are High-Yield Bonds Hurt by Falling Oil Prices?
As oil prices have fallen recently, so have prices of high-yield bonds. Are these events connected?
The answer is yes. While the sell-off in the high-yield bond market has a number of causes, such as rich valuations and declining demand from individual investors, we think the recent drop in oil prices has played a role as well.
Lower oil prices tend to hurt energy companies, which can in turn exert a drag on the overall high-yield market because of their sizable share of the market. Despite the recent drop in high-yield bond prices—and accompanying higher yields—we're still cautious on high-yield bonds. We believe any further declines in oil prices could continue to put pressure on the high-yield market.
Energy companies have increased their debt
Oil prices can have a broad impact on the high-yield bond market because energy corporations have been increasing their share of the high-yield bond market. Today, energy companies make up more than 15% of the Barclays U.S. Corporate High-Yield Bond Index.6 That's up from less than 5% of the index at the end of 2005—and the chart below shows that the share has been steadily increasing over the past decade.
Energy companies make up a rising share of the high-yield bond market
Source: Barclays U.S. Corporate High Yield Bond Index. Columns represent the weight of the energy sector in the index. All columns represent year-end values, except 2014, which is as of October 17, 2014.
In fact, the energy sector now has the second-largest weighting in the high-yield bond index, trailing only the communications sector, which accounts for more than 18% of the index. At the end of 2005, the energy sector was only the seventh-largest weight in the index.
Total crude oil production is expected to average 9.5 million barrels per day in 2015, the highest amount since 1970, up from an average of 7.4 million barrels per day in 2013,7 according to the U.S. Energy Information Administration (EIA). With that expected increase in production, energy corporations have been borrowing money to expand their facilities and boost their output.
That boost in production may have made sense when oil prices were above $100, but recently they have fallen considerably—a decline of more than 20% —which means the earnings of many oil producers will likely be negatively affected.
Source: Federal Reserve Bank of St. Louis. Crude Oil Prices: West Texas Intermediate (WTI) – Cushing, Oklahoma (DCOILWTICO). Daily data as of October 14, 2014.
The decline in oil prices isn't the only negative factor for domestic energy companies. On average, cash flow has not kept pace with the cost of operations for most domestic oil producers. For the year ending March 31, the gap between cash from operations and uses of cash for 127 major oil and natural gas companies rose to $110 billion, a six-fold increase from the $18 billion shortfall in 2010, according to the EIA.
That shortfall has generally been met by the increase in corporate debt, as well as the sale of assets. While the sale of assets may boost the cash balance in the short-term, firms are likely giving up future cash flows from the loss of those assets.
Energy companies' poor performance
The energy sector has been the worst-performing sector of the high-yield bond market over the past few weeks.
From August 31 through October 20, the Barclays U.S. Corporate High-Yield Bond Index has generated a total return of -1.8%. Over the same period, the energy sector of the index performed even worse, falling 4.6%. While the energy sector posted the largest drop, almost all other sectors generated negative returns as well, so even a strategy that avoided, or limited, energy issuers would have likely performed poorly.
The energy sector is dragging down the rest of the high-yield bond market
Source: Barclays, sub-sectors of the Barclays U.S. Corporate High Yield Bond Index. Total returns assume reinvestment of interest and capital gains or losses. Indices are unmanaged, do not incur fees or expenses, and cannot be invested in directly. Past performance is no indication of future results.
Can't bond investors wary of lower oil prices just avoid the debt of energy companies? While that may be easy for investors who buy individual bonds, an investor in an index fund that tracks the high-yield bond market would likely have increased exposure to this sector. Actively managed mutual funds have the ability to underweight certain sectors and issuers, but they are still likely to have exposure.
Do high-yield bonds offer enough compensation for the risks?
Overall, we still have a cautious stance on the high-yield market in general. Although spreads and yields have risen over the past few months, we still don't think investors are being compensated enough for the risks involved in high-yield bonds.
The average option-adjusted spread (OAS) of the Barclays U.S. Corporate High-Yield Bond Index was 4.5% on October 20, up from the post-crisis low of 3.2% on June 23. A credit spread, or yield spread, is the amount of yield a corporate bond offers relative to a Treasury bond with a comparable maturity; it can be thought of as compensation for the increased risks that corporate bonds have compared to Treasuries. Based on historical data going back to 1994, the average OAS of the index was 5.2%, so it's currently below its long-term average.
We still think there is room for spreads to move higher. Since bond prices and yields move in opposite directions, a higher spread would negatively affect the prices of high-yield bonds. The last time high-yield bonds suffered a significant sell-off, during 2013's "taper tantrum," the average OAS of the index got as high as 5.1%, a level we think it could achieve in today's volatile environment.
A lot of investors who have been reaching for yield may still be in high-yield bonds. While high-yield bond funds have experienced significant outflows over the past few months, the chart below shows that a lot of money is still in the market. If investors continue to head for the exits, prices could fall even further.
Recent outflows are just a fraction of the net inflows since 2009
Source: Morningstar Inc. Lines represent the cumulative net flows into mutual funds categorized by Morningstar Inc. as "High Yield Bond" from January 2009 through September 2014, using monthly asset flows.
Oil price declines are just one more factor that can negatively affect the high-yield bond market. We are still cautious on high-yield bonds, as the low yields don't compensate for the increased risks, in our opinion. We still think investors who have been reaching for yield with high-yield bonds should move up in quality to investment grade corporate bonds.
3 Myths About Retirement Income Strategies
Investing for income in retirement is a challenge even for sophisticated investors. The path to a more secure retirement can be littered with stumbling blocks and pitfalls, and it can be hard to differentiate sound advice on retirement income strategies from red herrings.
Here are a few myths about retirement income strategies and how we think about them.
Myth # 1: You should invest for income only
The myth that yield is the most important factor in building your retirement portfolio is pervasive, and understandably so. It makes intuitive sense to favor investments that generate income when you shift from building assets to using assets to support you.
It's true that interest and dividends are predictable, and always positive—short of default of the issuer, or cancellation of a dividend. They're excellent building blocks for cash flow from a retirement portfolio. But we don't think they should be the only form of return. We suggest that you remain well-diversified, allowing you to reap different forms of return.
One problem with investing just for interest and dividends: Interest rates are low now, so the possibilities of generating enough income are limited. The temptation, then, is to reach out aggressively for yield, where you can find it. But this can be dangerous and unnecessary.
A second problem with investing solely for income: It's limiting, and can cost you the benefits of diversification or capital appreciation. For instance, historically speaking, growth-oriented investments tend to grow more than yield-oriented investments over time. And taxes on capital gains are often lower than tax rates on interest, a factor that impacts your after-tax income—unless you're invested in municipal bonds.
A broader approach uses interest, dividends, capital gains and stable principal. You then build an income plan based on all sources of return.
Once you're not focusing just on interest and dividends to meet your day-to-day expenses, you'll see that cash can be generated from your portfolio from periodic rebalancing, planned sales, or from short-term investments or maturing bonds. The trick is to withdraw enough to live on and leave your portfolio with the right balance of stocks (for continued potential growth) and bonds (for stability and income) while maintaining a comfortable risk level.
Most portfolios should include these three items:
- Short-term investments (for liquidity)
- Core investment-grade bonds (for diversification and income)
- Traditional equity (for income and growth)
In addition, depending on your income preference and risk tolerance, you might want to consider:
- More aggressive bonds (for higher income)
- Specialized equity (for higher income and growth)
Yield and historical volatility on selected income-oriented investments
Source: Barclays, Bloomberg. Index yield or representative rate as of October 27, 2014. Total return and volatility show annual 12-month rolling return and annualized standard deviation, using monthly returns October 2004 – October 2014.
Indexes shown are Citi Treasury Bill 3 Month, Ibbotson 1 Year Treasury Constant Maturity, Barclays U.S. Govt/Credit 1-3 Year, Barclays Municipal Bond, Barclays U.S. Credit, Barclays U.S. Corporate High Yield, BofA Preferred Stock Fixed Rate, FTSE NAREIT All Equity REITs, Alerian MLP, Ibbotson S&P 500, S&P 500 Dividend Aristocrats, S&P 500 Utilities, using monthly data and annualized returns and standard deviation from October 2004–2014. Yields as of October 27, 2014.
It is possible to find higher-yielding investments. But they come with different risks, and they are not necessary to fund retirement spending. Volatility is a technical term. But what volatility shows in the table above is how widely the value of a particular investment, represented by the indexes above, might move up or down in value in a single year. Note how volatile many of the sectors with higher yields have been. Take this into careful consideration when selecting investments primarily for investment income.
What to do now: Focusing on interest and dividends can make sense as the starting point of a retirement portfolio. But on its own it can be dangerous, and unnecessary. Yes, dividends have an opportunity to grow with inflation. Capital appreciation should be part of the mix to help boost returns as well. Use interest, dividends and capital gains and cash. This is a balanced approach.
Myth #2: Bonds are inherently better than bond funds
Many investors find CDs (certificates of deposit) and individual bonds to be useful investment tools for one major reason: They come with a specific maturity date. You know what you're going to get, short of default, and when you're going to get it.
Individual bonds, invested using bond ladders and other approaches are a great foundation for many portfolios. We like bond ladders for a lot of reasons. For one, they're a great planning tool. They help you plan your income by returning a set amount of money to you both from interest payments and at maturity—without regard to whether the market is up or down.
But are they essential, or fundamentally "better" than bond funds? Not necessarily, in our view.
Depending on your portfolio size and preferences, bond funds can fill most of the needs often served by individual bonds. If you don't have the interest, time or resources to build a diversified bond portfolio, a collection of bond funds can do the job as well.
You give up a fixed maturity (with some exceptions) and add a fee. In exchange, you receive diversification, active management and relative simplicity. If you choose bond funds by the average maturity of the bonds within them, this is a relatively simple way to manage your time horizon as well.
What to do now: You can use bonds, or bond funds, as a foundation for a retirement portfolio. If you use bond funds, start with funds in the following Morningstar categories:
- Short-term bond funds
- Intermediate-term bond funds
- Multi-sector bond funds
Short-term funds are for needs in the next one to four years, intermediate-term funds are for needs in the next four plus years, and multi-sector (or high-yield) funds are for needs in the next four plus years with higher income potential. For more insight on how changing interest rates may affect bond funds, take a look at the article "Should You Worry About Bond Mutual Funds if Interest Rates Rise?"
Myth #3: Annuities are bad for you—and expensive too
Many types of annuities have a bad reputation, and potentially for good reason. They can come with high fees and "lock-ins." Certain types of annuities, however, if properly used, provide what other investments can't: insurance against several risks to your retirement income. The main risks annuities can help protect against are market volatility, susceptibility to negative returns, and longevity.
Can you manage all of these risks yourself? Possibly. But if you value protections, two types of annuities are worth considering: fixed immediate annuities, where you buy a stream of income, similar to what you would receive from a pension, and variable annuities with optional income protections (the most common of which is a guaranteed lifetime withdrawal benefit, or GLWB.) Many are expensive. But not all are. Here are the pros and cons of each.
Basic features of type of annuities for retirement income
Questions to consider
Variable deferred annuity with optional living benefit (such as GLWB)*
Fixed immediate annuity (SPIA)
What is it?
A variable annuity with a rider that provides income protections on a portfolio of investment funds held within the annuity.
An instrument providing pension-like income for life or a specified period of time.
When might it make sense?
When you want to stay invested but protect your retirement income against market risk by guaranteeing a minimum level of withdrawals annually, no matter how markets perform.
When you want to ensure you will have pension-like income for a set period or for life, either singly or jointly with your spouse.
Are there income guarantees?
The insurer generally guarantees a minimum annual withdrawal amount from the variable annuity for life.
The insurer pledges to make income payments that last for a fixed period or life.
Is it revocable?
Unless you annuitize the contract, you retain control over assets and aren't required to turn over a lump sum irrevocably in exchange for income.
Irrevocable, with no liquidity after a lump sum is turned over to an annuity provider.
Is there market participation?
Annuity owner has potential to participate in market growth, after accounting for fees and withdrawals.
None. Annuity provider assumes market risk.
What are the costs?
Investment fees, insurance costs, and fees for optional riders charged annually.
Costs, such as mortality and expense charges and administrative fees, which are embedded in the up-front cost of purchase.
Source: Schwab Center for Financial Research.
Annuity guarantees are subject to the financial strength and claims paying-ability of the issuing insurance company. Optional living benefits, such as GLWBs, do not constitute a contract value, cannot be accessed like a cash value, and will not preserve your contract value which will deplete with each withdrawal.
*Living benefits are optional riders added, at an additional cost, to a variable annuity. A common type of living benefit is a guaranteed lifetime withdrawal benefit, or GLWB. A GLWB rider may protect against market downturns by guaranteeing a minimum amount of withdrawals from the portfolio annually, no matter how markets perform, without turning over assets irrevocably to the insurer.
Both of these types of annuities help do a simple, but useful, thing: pool the risks that you experience with others, such as the risk of living longer than average, of a down market right before you retire, or that you don't stick with your investment plan.
What to do now: Income protection, in the form of the guarantees and "risk pooling" provided by annuities can be good for your retirement health and confidence if you use low-cost annuities, with the right features, to support your income needs. Annuities can be complex, however. To learn more about how they might fit, talk with your financial advisor.
We hope our analysis of these three myths will help you get a better handle on what investing for income in retirement may look like. Keep in mind that there is never a single right answer. Think about your own needs and preferences, and put together the plan that meets your requirements.
I hope this enhanced your understanding of muni bonds and pensions, oil prices and high-yield bonds, and retirement income strategies. I welcome your feedback—clicking on the thumbs up or thumbs down icons at the bottom of the page will allow you to contribute your thoughts. (If you are logged into Schwab.com, you can include comments in the Editor's Feedback box.)
1 Standard & Poor's, "U.S. State Pension Funding: Strong Investment Returns Could Lift Funded Ratios, But Longer-Term Challenges Remain," as of June 24, 2014.
2 Moody's Investor Services, "Pension Liabilities Among U.S. States Vary Widely," as of September 19, 2013.
3 Bloomberg, as of October 16, 2014.
4 GAO, as of March 2012 (http://www.gao.gov/assets/590/589043.pdf).
5 Standard and Poor's, "U.S. State Pension Funding: Strong Investment Returns Could Lift Funded Ratios, But Longer-Term Challenges Remain," as of June 24, 2014.
6 As of October 17, 2014.
7 "Short-term Energy and Winter Fuels Outlook," U.S. Energy Information Administration, October 7, 2014.
Next Steps
Talk to Us
To discuss how this article might affect your investment decisions:
- Call Schwab anytime at 877-338-0192.
- Talk to a Schwab Financial Consultant at your local branch.
Important Disclosures
For funds, investors should carefully consider information contained in the prospectus, including investment objectives, risks, charges and expenses. You can request a prospectus by visiting Schwab.com or calling Schwab at 800-435-4000. Please read the prospectus carefully before investing.
Variable annuities are sold by prospectus only. You can request a prospectus by calling 888-311-4887 or by visiting schwab.com/annuity. Before purchasing a variable annuity, you should carefully read the prospectus and consider the annuity's investment objectives and all risks, charges, and expenses associated with the annuity and its investment options.
The contract value of a variable annuity may be more or less than the premiums paid and it is possible to lose money.
Variable annuities are long-term investment vehicles designed for retirement purposes and offer tax deferral on potential growth; however, withdrawals prior to age 59½ may be subject to a 10% Federal tax penalty in addition to applicable income taxes. Variable annuities are also subject to a number of fees including mortality and risk expense charges, administrative fees, premium taxes, investment management fees, and charges for additional optional features. Although there are no surrender charges on the variable annuities offered by Schwab, such charges do apply in the early years of many contracts.
Charles Schwab & Co., Inc., a licensed insurance agency, distributes certain life insurance and annuity contracts that are issued by non-affiliated insurance companies. Not all products are available in all states.
Living benefits, such as Guaranteed Lifetime Withdrawal benefits, are optional riders available for an additional cost. Withdrawals in excess of the specified annual amount will permanently reduce future income,
Unlike a CD, which is an FDIC-insured bank product, an annuity's payment guarantees are provided by and only as strong as the financial position and claims-paying ability of the issuing insurance company. Schwab does not provide any insurance or other guarantee. Consult the insurance company's ratings for its financial strength, and read the annuity contract and/or prospectus before investing. Insurance company ratings do not apply to the performance of variable subaccounts. Ratings subject to change. There is no guarantee current ratings will be maintained.
The information presented does not consider your particular investment objectives or financial situation and does not make personalized recommendations. This information should not be construed as an offer to sell or a solicitation of an offer to buy any security. The investment strategies and the securities shown may not be suitable for you. We believe the information provided is reliable, but Charles Schwab & Co., Inc. ("Schwab") and its affiliates do not guarantee its accuracy, timeliness, or completeness. Any opinions expressed herein are subject to change without notice.
Indices are unmanaged, do not incur fees or expenses, and cannot be invested in directly.
The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.
The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.
All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.
Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.
Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed-income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications and other factors.
Tax-exempt bonds are not necessarily a suitable investment for all persons. Information related to a security's tax-exempt status (federal and in-state) is obtained from third-parties and Schwab does not guarantee its accuracy. Tax-exempt income may be subject to the Alternative Minimum Tax (AMT). Capital appreciation from bond funds and discounted bonds may be subject to state or local taxes. Capital gains are not exempt from federal income tax.
Income from tax-free bonds may be subject to the Alternative Minimum Tax (AMT), and capital appreciation from discounted bonds may be subject to state or local taxes. Capital gains are not exempt from federal income tax.
Barclays U.S. Corporate Bond Index covers the USD-denominated investment-grade, fixed-rate, taxable, corporate bond market. Securities are included if rated investment-grade (Baa3/BBB-/BBB-) or higher using the middle rating of Moody's, S&P, and Fitch. This index is part of the U.S. Aggregate.
Barclays U.S. Corporate High-Yield Bond Index covers the USD-denominated, non-investment-grade, fixed-rate, taxable corporate bond market. Securities are classified as high-yield if the middle rating of Moody's, Fitch, and S&P is Ba1/BB+/BB+ or below.


text:
Include Component
1.13 (last update on Feb 19, 2013)
GPLv2 or later
Free Download
24 June 2009
- Yes
The following features are added, changed or solved in the latest version:
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* Adapted plugin for Joomla 2.5 and 3.0
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The syntax is {component url='' }
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By the way, i used the extension in a site for coworking project among several schools from Spain. They wanted to to have a list of contact and a list of documents. This is what i used the plugin with... contacts and documents.
Thanks for this extension!
Great plugin and support!
Reviews: 9
No doubt, this is a very complicated thing to accomplish, and no doubt, bugs and funny situations will creep up.
I have a few funny things happening, but still am very happy with this. surprised to see it is the only one for 2.5
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EuroCheapo's guide to hotels in Dijon
Who are we? EuroCheapo is a guide to cheap hotels in Dijon and throughout Europe. We've been hunting down the best hotel values in Europe's most popular destinations since 2001, always looking for places that are central, clean and cheap.
Dijon, the capital of France's Burgundy region, might be famous for the strong mustard that still carries its name, but tourists and business travelers are drawn to the city for its many cultural attractions, medieval architecture and festivals.
Happily for Cheapos, Dijon is usually welcoming to budget travelers, with small hotels that offer rooms at quite reasonable rates (even in the center of town). Do be aware, however, that visitors to Dijon's annual International and Gastronomic Fair (which takes place in the fall), should be sure to book their rooms well in advance, as the event draws more than 200,000 people to the city.
Getting started: Search by your travel dates in the box above to see available hotels, or take a look at our list of recommended hotels. For help choosing a neighborhood in Dijon, read this quick overview.
From our Dijon blog
"What's the best way from X to Y?" It is a query we've read a thousand times here on EuroCheapo, and it comes in various guises on hundreds of other travel forums: from Fodor's to Frommer's, from BootsnAll to ... read
Paris is made up of more than just good wine. And locals here know not to ignore the other French cylindrical dandies of the drink world. Give us your liqueurs, your full-bodied bitters, your anisés and wild gentians! T ... read


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QB Philip Rivers - San Diego Chargers
|6-5, 228
|Born: 12-8-1981
|College: North Carolina State
|Drafted: Round 1, pick 4
Main Career stats Game Logs Game Recaps Split Stats Play-by-play Latest News
News you need to know
From the upgrade/downgrade report (Mon Nov 24): Rivers isn't making the big downfield strikes, but he looked more like himself against the Rams, and potential shootouts against Tom Brady and Peyton Manning at home are up in Weeks 14 and 15.
Week 13: at Baltimore Ravens
Mark and Joe say: Good matchup. Philip Rivers is playing through a assortment of nicks and dings (listed as chest and rib injuries on the official injury report), which may be limiting his ability to throw downfield - he attempted just one pass over 20 yards vs. the Rams last Sunday. Nevertheless, Rivers piled up 29/35 for 291 yards passing, one TD and one interception thrown against the Rams, while taking three sacks for -9 yards. Keenan Allen (nine targets for 6/104/1) was his main man last week, while Eddie Royal (six for 6/50/0) and Ladarius Green (three for 2/34/0) helped keep the chains moving - all told, nine different receivers caught at least one ball from Rivers last weekend. The Ravens' pass D did just enough to hold off Drew Brees and the Saints Monday night, but they still coughed up almost 400 net yards passing (35/45 for 399 net yards, three TDs and one interception thrown by Brees, with four sacks taken for -21 yards). Two games ago Zach Mettenberger was limited to 16/27 for 143 net yards, one TD and one interception, with five sacks taken for -36 yards - but nobody would mistake the rookie Mettenberger for Brees. To date, the Ravens are ranked 29th in the NFL averaging 264.6 net passing yards allowed per game, with 17 passing scores given out vs. seven interceptions and 29 sacks generated (23rd- and eighth-ranked in the NFL, respectively). Rivers made it work against the Rams, and he has a largely inexperienced and overwhelmed secondary to pick on this week - advantage, San Diego. Also, the passing matchup is tough for Ryan Mathews and company, so Rivers will likely need to throw the ball a good bit in this contest.
Recent Stats and Projections
|at MIA
|vs OAK
|vs STL
|at BAL
|at BAL
|at BAL
Recent Game Summaries
2014 Week 11 vs OAK (22 / 34 / 193 / 1 / 0 pass, 1 / -1 / 0 rush)
Many assumed that they bye week coupled with a date at home against the hapless Raiders is all Philip Rivers needed to get back on track. After his first pass of the game, that seemed to be the case. He fired a perfect strike to WR Malcom Floyd in stride for a touchdown just over the defender's head. But even that score was fortuitous, because the Chargers got the ball deep in Oakland territory following a fumbled snap. And after that early success, Rivers struggled for almost the entire game. He was under a lot of pressure from the Oakland front, and looked completely out of sync with his receivers. At one point, he and WR Keenan Allen were seen disagreeing about something on the sideline. It didn't really get very heated, but it just showed the disconnect he was feeling due to all of the on-field miscommunication (and this was with two weeks to prepare!). He was nearly intercepted on a bad pass to Floyd when the defender jumped the route by diving in front of the ball, and Rivers was fortunate it wasn't picked. The Chargers just looked disoriented in general. Even when they managed to occasionally pick up a blitz, it's not as if the receivers were running free in the secondary. Late in the second half, he appeared to find a little bit of a rhythm in getting the ball into field goal range (though K Nick Novak missed the 48-yard attempt). That momentum carried into the second half when he showed perfect touch on a floater down the sideline to Floyd for a 24-yard gain. The reception would have put the ball inside the 10-yard line, but it was negated due to a holding penalty. More importantly, Rivers came up limping after the play. He looked to be in a lot of pain on the field but refused to stay on the ground. He was seen having his left knee checked out on the sideline. On top of that, he was hit hard late in the game and was almost doubled over in pain. According to another sideline report, he was having his ribs looked at. But despite getting knocked around, he remained in the game and was healthy enough to engineer a clock-killing drive late in the fourth quarter that left the Raiders with about a minute left to go 88 yards (which they failed to do).
2014 Week 12 vs STL (29 / 35 / 291 / 1 / 1 pass, 3 / -1 / 0 rush)
Rivers has been banged-up in recent weeks, and entered this game with sore ribs. He didn't seem to be greatly affected by any lingering affects, although he didn't attempt very many deep balls. The Chargers excelled at using the short passing game via screens and crossing routes to pick the Rams apart little-by-little all game long. Gradually, they opened up the offense a bit as the game wore on but there still weren't very many deep shots taken. In the first half, he looked a little bit shaky even with a conservative approach. The one time he tried to get a little bit risky, he forced a pass to the end zone to WR Keenan Allen. Allen stumbled a bit, the defender jumped the route, and took it the other way for a touchdown. Late in the half, Rivers regrouped and engineered a very efficient drive to put the team into field goal range. In the second half, he looked more comfortable in the pocket. He was looking off of defenders, checking down to secondary options, and actually had enough time to do so. The quick-strike offense helped as well, because he didn't have to sit in the pocket with the ball in his hands for very long. As of the early fourth quarter, he had only attempted one pass greater than 20 yards (and that was a throwaway out of bounds). But with that, he floated one deep down the left sideline perfectly in time with TE Ladarius Green who hauled it in for a 28-yard gain. Later on that drive, he dumped one off in the flat to Allen, who turned it upfield with a tremendous individual effort to reach the end zone. Without lighting up the stat sheet, Rivers quietly had a terrific performance from an efficiency perspective (completed over 80% of his passes and averaged more than 8 yards per attempt).
Latest NewsChargers | Philip Rivers expected to play (Fri Nov 21, 03:49 PM) - San Diego Chargers QB Philip Rivers (chest) fully participated in practice Friday, Nov. 21, and is listed as probable for Week 12. link to story Chargers | Philip Rivers a full participant (Thu Nov 20, 06:11 PM) - San Diego Chargers QB Philip Rivers (chest) practiced in full for the second straight day Thursday, Nov. 20. Our View: Rivers hasn't looked right since San Diego was curb-stomped by Miami a while back. We don't trust him much this week, ranking him as a QB2....and a middle-of-the-road one at that.
link to story Chargers | Philip Rivers a full participant (Wed Nov 19, 04:15 PM) - San Diego Chargers QB Philip Rivers (chest) fully participated in practice Wednesday, Nov. 19. Head coach Mike McCoy said Rivers will play. link to story Chargers | Philip Rivers not receiving treatment (Mon Nov 17, 04:41 PM) - San Diego Chargers QB Philip Rivers (rib) is not receiving treatment on the rib injury he suffered in Week 11, according to head coach Mike McCoy. Our View: Rivers was a bit banged up in the Week 11 game against the Raiders. In addition to his ribs, the team also checked out his left knee (it was fine) during the game. Rivers could be limited in practice this week.
link to story Chargers | Philip Rivers battling rib injury (Sun Nov 16, 10:34 PM) - San Diego Chargers QB Philip Rivers (ribs) suffered a rib injury in the fourth quarter of the Week 11 game against the Oakland Raiders. TE Antonio Gates said Sunday, Nov. 16, Rivers has been playing with a severe rib injury, but 'he's been toughing it out these last three or four weeks.' Rivers downplayed the situation, and said he is no more banged up than any other quarterback in the league. Our View: Rivers didn't look like himself against the Dolphins, and now we might have a reason why. It'll be tough to want to play him against the Rams defense that just ate up Peyton Manning if all Rivers can muster against the Raiders is 13 points.
link to story More News
San Diego Chargers Team LinksDepth Chart Season Stats Targets Red Zone Game Logs
Staff Dynasty RankingsQB Dynasty - 10, 8, 10, 11, 14
Footballguys ArticlesPerfect Draft - 12 Team PPR
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Preseason Roundtable #2
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AFC Roster Check Pre-Free Agency
Jeff Tefertiller - March 3
From The Gut
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Pre-Camp QB Tiers
Sigmund Bloom - July 29
Dynasty State of the Union: AFC West
Jeff Tefertiller - August 6
The Gut Check No.302: PPR Tiers
Matt Waldman - July 14
The Gut Check No.307: Upside Down Draft Update
Matt Waldman - August 11
How to Attack Your 2-QB PPR Draft
Jeff Tefertiller - July 10
How to Attack Your Large-League Draft
Jeff Tefertiller - August 5
Articles from around the webPost-Draft Dynasty Ranks - QB
Mike Clay - May 20
Post-Draft Dynasty Ranks - WR
Mike Clay - May 23
Learning how to find fantasy football sleepers could make your season
David Gonos - May 29
Change At The Top: Quarterback Edition
Kyle Soppe - June 3
The Two-QB Mindset
Salvatore Stefanile - June 6
Early Draftmaster Strategy & Observations from MFL10s
Scott Pagel - June 6
San Diego Chargers Top Five For 2014
Matt Southall - June 6
QBs in Focus: Drop-back Depth
Steve Palazzolo - June 7
Finding 2014 Fantasy Value: Qbs and Rbs
Anthony Olivetti - June 10
Philip Rivers Deserves More Love
Jim Sannes - June 16
|@ Baltimore Ravens
|vs New England Patriots
|vs Denver Broncos
|@ San Francisco 49ers
|@ Kansas City Chiefs


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The S&P 500 posted a weekly loss for the first time in five weeks, setting off alarms that the bull market's sustainability may be at risk. So as Wall Street suffered through a gloomy week of rain and stock losses, we went in search of a ray of sunshine to kick off the Memorial Day weekend.
We found Wayne Nordberg, chairman and chief investment officer of Hollow Brook Wealth Management, who provided a laundry list of positivity: Private employment is up. Public spending is down. The deficit is shrinking. Companies are flush with cash. Housing has begun to grow again, as has U.S. manufacturing. And last, but not least, the U.S. may be on the verge of energy independence.
"We are at the early stages of a multiyear bull market," says Nordberg, who believes that U.S. stocks could climb as much as 50% over the next two years. Before the bull departs, funds will flow out of fixed income and into equities, he says. Nordberg, who is far from a perma-bull, cites work done by Charles Gave, chairman of GaveKal Research, to bolster his case:
Of the world's $209 trillion of financial assets, roughly $45 trillion is invested in government debt, $65 trillion is in loans, and $46 trillion is in corporate debt. With inflation at 2%, investors are poised to lock in real losses on three-quarters of the world's investible assets. The Fed has suppressed yields and volatility, Gave warns, and investors don't understand the risks they are taking when buying fixed-income products. Mispriced capital means that companies that should be going bankrupt are continuing to exist, and some areas of the economy are suffering from overinvestment.
"When volatility reappears in the bond market, you could have the mother of Black Swans," says Gave.
Commodities such as steel may be suffering from misallocated capital. Morgan Stanley estimates that since 2000, the global steel industry has added nearly one billion metric tons of crude-steel capacity, while production and demand growth were much lower, near 700 million tons. The nearly 300 million tons of excess capacity could prevent an industry turnaround anytime soon.
At least in equities, Gave says, volatility is being correctly priced. His suggestion: Buy knowledge-based companies without fixed costs in the technology, health-care, and energy industries. Stay away from banks, because their bond holdings will be hurt as the fixed-income markets correct. Avoid European exposure because France is heading toward insolvency and the euro could dissolve, he warns.
U.S. corporate earnings will have to come through for equity investors to gain confidence that stock markets can head higher. First-quarter operating earnings growth at 3.3% was nothing to write home about, though on an absolute basis, at $26.47 a share, it was a quarterly record, according to John Butters, a senior earnings analyst at Factset. Growth will slow even further in the current quarter to 1.4%, but the second half of the year looks much better.
Analysts are expecting earnings growth of 7.8% and 13% in the third and fourth quarters, respectively, which would bring quarterly earnings to $29.38 a share.
It's always dangerous to depend on second-half earnings estimates to propel a market. But this year, companies have very modest results in 2012 to compare against. Earnings fell 1.1% in last year's third quarter, primarily because of a sharp profit decline in the energy and materials sectors, and they rose only 4.2% in the fourth quarter. So the hurdles to achieving sunny returns aren't very high.
MYRON "MIKE" ULLMAN rejoined J.C. Penney JCP 0.5509641873278237% J.C. Penney Co. Inc. U.S.: NYSE USD7.3 0.04 0.5509641873278237% /Date(1416607323742-0600)/ Volume (Delayed 15m) : 10849717 AFTER HOURS USD7.45 0.15 2.0547945205479454% Volume (Delayed 15m) : 241733 P/E Ratio N/A Market Cap 2225039969.02466 Dividend Yield N/A Rev. per Employee 103812 More quote details and news » (ticker: JCP) as CEO on April 8, immediately reversing the policies of his predecessor and launching a new round of sales to drive traffic to the struggling retailer. Over the Memorial Day weekend, the store is offering 20% discounts on merchandise purchased with a J.C. Penney credit card.
Penney's increasing promotional activity was flagged by Morgan Stanley analyst Kimberly Greenberger. Roughly 60% of the store was on sale when she checked in mid-May, versus only 35%-40% two weeks prior and just a selected few "month-long values" last year, she wrote last week.
The strong promotional activity may start to put pressure on the competition. "Increased unit sales by J.C. Penney will hurt many of those it helped over the past year- plus," wrote David Berman, president of Durban Capital in early April. "Retailers that could feel pain include Sears SHLD -0.3840877914951989% Sears Holdings Corp. U.S.: Nasdaq USD36.31 -0.14 -0.3840877914951989% /Date(1416607200221-0600)/ Volume (Delayed 15m) : 827473 AFTER HOURS USD36.25 -0.06 -0.16524373450839988% Volume (Delayed 15m) : 3973 P/E Ratio N/A Market Cap 3866397938.28537 Dividend Yield N/A Rev. per Employee 139586 More quote details and news » [SHLD], Kohl's KSS -0.2056907781967775% Kohl's Corp. U.S.: NYSE USD58.22 -0.12 -0.2056907781967775% /Date(1416607351825-0600)/ Volume (Delayed 15m) : 2302658 AFTER HOURS USD58.22 % Volume (Delayed 15m) : 6055 P/E Ratio 14.518703241895262 Market Cap 11915771167.1973 Dividend Yield 2.6794915836482307% Rev. per Employee 137117 More quote details and news » [KSS], Stage Stores SSI 1.0325245224574084% Stage Stores Inc. U.S.: NYSE USD19.57 0.2 1.0325245224574084% /Date(1416607323165-0600)/ Volume (Delayed 15m) : 688197 AFTER HOURS USD19.57 % Volume (Delayed 15m) : 5426 P/E Ratio 52.891891891891895 Market Cap 622188985.96405 Dividend Yield 2.86152273888605% Rev. per Employee 109734 More quote details and news » [SSI], and Bon-Ton BONT -1.8604651162790697% Bon-Ton Stores Inc. U.S.: Nasdaq USD8.44 -0.16 -1.8604651162790697% /Date(1416607200159-0600)/ Volume (Delayed 15m) : 251958 AFTER HOURS USD8.441 0.001 0.011848341232227487% Volume (Delayed 15m) : 5170 P/E Ratio N/A Market Cap 176281962.328234 Dividend Yield 2.3696682464454977% Rev. per Employee N/A More quote details and news » [BONT]. Discount channels such as Target TGT 0.4495013344570867% Target Corp. U.S.: NYSE USD71.51 0.32 0.4495013344570867% /Date(1416607384176-0600)/ Volume (Delayed 15m) : 6736372 AFTER HOURS USD71.4 -0.11 -0.15382463991050202% Volume (Delayed 15m) : 98873 P/E Ratio 29.795833333333334 Market Cap 45317032758.1824 Dividend Yield 2.9086841001258565% Rev. per Employee 201374 More quote details and news » [TGT] and Old Navy [part of GAP GPS -4.185351270553064% Gap Inc. U.S.: NYSE USD38.46 -1.68 -4.185351270553064% /Date(1416607424631-0600)/ Volume (Delayed 15m) : 16464096 AFTER HOURS USD38.4 -0.06 -0.15600624024961% Volume (Delayed 15m) : 77818 P/E Ratio 13.54225352112676 Market Cap 16724945858.5822 Dividend Yield 2.2880915236609463% Rev. per Employee 118993 More quote details and news » (GPS)] will feel it, as well as off-price retailers TJX TJX 0.31565656565656564% TJX Cos. U.S.: NYSE USD63.56 0.2 0.31565656565656564% /Date(1416607273996-0600)/ Volume (Delayed 15m) : 5110066 AFTER HOURS USD63.5615 0.0015 0.0023599748269351795% Volume (Delayed 15m) : 56898 P/E Ratio 20.981616826739536 Market Cap 44043395526.8064 Dividend Yield 1.1013215859030836% Rev. per Employee 149650 More quote details and news » [TGX] and Ross Stores ROST 7.318831871169331% Ross Stores Inc. U.S.: Nasdaq USD89.3 6.09 7.318831871169331% /Date(1416607200350-0600)/ Volume (Delayed 15m) : 6225457 AFTER HOURS USD89.01 -0.29 -0.3247480403135498% Volume (Delayed 15m) : 71691 P/E Ratio 20.767441860465116 Market Cap 18737998305.7617 Dividend Yield 0.8958566629339306% Rev. per Employee 162142 More quote details and news » [ROST]."
Sure enough, Sears Holdings reported disappointing numbers last week, and its shares tumbled 14% on Friday. Penney's promotions could sink Sears' attempts to right the ship. Other retailers should consider themselves on notice.
E-mail: email@example.com


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01 February 2011 18:58
Check out the photo. It is the DVLA registration and states that the engine size is a 1050. Interesting eh? I wouldn't mind it being 1050, as long as there is enough down grunt like the old Trophy! I have one and if this is out soon, I will have my name down PDQ!!!
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Film Review: Resident Evil: Damnation (2012)
SYNOPSIS: United States Special Agent Leon S. Kennedy sneaks into a small Eastern European country to verify rumors that Bio Organic Weapons (B.O.W.s) are being used in war. Right after his infiltration, the U.S. government orders him to leave immediately. Determined to uncover the truth, Leon ignores the order and enters the battlefield to end the chain of tragedies caused by the B.O.W.s REVIEW: The Resident Evil franchise has been hopping this year with the … Continue reading


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Standing Side-Stretch
Now compatible with iPhone, iPad and iPod touchMore info...
"I love this! I moved out of the area where I was taking classes, and couldn't really find a convenient class. As a result of doing nothing, all my back problems came back this morning. I am so happy I found someplace to take classes again. You don't even have to look good for class, 'cause nobody sees you. Thanks again!" - Karen Phillipson
Standing Side-Stretch Pose | Standing
Gently opens the side of the body, especially the ribs and intercostal muscles. Bends the spine laterally (to the side) and allows one to explore a very uncommon movement.
- Standing in Tadasana with your feet together, inhale while stretching your left arm out to the side and over your head. Your chin remains level with the ground.
- Inhale, reach up toward the sky, exhale while bending your body to the right without moving the hips out. Keep the hips and check facing forward. Concentrate on the movement of the spine as it creates an arc.
- Extend through the sides of the neck, keeping it long. The chest remains open and the whole body flexed. Stretch through the arm.
- Imagine your breath traveling down the opposite side of your bend all the way to the toes and back up through the same side. Hold for several breaths, always responding your particular needs.
- Inhale while bringing your body back to center. Exhale the left arm down. Alternate sides.
- Helps to realign the spinal column
- Stretches the intercostal muscles (between the ribs) and the thoracic cage aiding the lungs to take in more oxygen
- Stimulates the digestive tract by stretching the abdominal muscles and waist
Cautionary Notes:
- Begin very carefully if you have chronic back problems, such as slipped discs
- Take your feet slightly apart if you feel unstable with your feet together
- Try placing the hands in Namaste (hands and fingers together) while stretching the arms upward
- Raise your right arm in the air, while you bend to the left. Your left hand rests on the left thigh. You may want to take the feet farther apart.
- Repeat on other side.


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Obama administration's Veterans Day plans
Wednesday - 11/10/2010, 4:45pm EST
The Obama administrations has more than a dozen events planned for Veterans Day, reports Ed O'Keefe in his Federal Eye blog in the Washington Post.
- President Obama will deliver a speech at the U.S. Army Garrison in Yongsan in Seoul, South Korea.
- Meanwhile, First Lady Michelle Obama will stop at the Kaiserslautern Military Community, the largest U.S. military community outside the continental U.S. It's located in a region that encompasses parts of Belgium, France, Germany and Luxembourg.
- Defense Secretary Robert Gates and Homeland Security Secretary Janet Napolitano will be at Arlington National Cemetery.
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