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I'm a communication researcher working as 'Associate Director for Marketng & Data Science' at GfK's Global Social Media Intelligence Center. I've graduated with a PhD from the University of Vienna and worked at their Department of Communication for several years. In the last two years, I've focused on method development for the structural analyses of Internet discourses within the research project "Towards an Analytics of Networked Publics" and have been researching practices and dynamics of social media communication with a focus (but not limited to) political communication. Prior to my university job, I've been doing research for the Austrian Ministry of Education on cyberbullying in teenage peer groups as well as digital literacy of high school students and their teachers.
My blog is mainly about my research and teaching work as well as some thoughts on digital media, stuff the Austrian media is also time by time asking me about for articles on social media and my other research fields. And because you need to know the field you are working on yourself (well, not the only reason), I'm quite actively using Twitter, Facebook and LinkedIn, you can also check out my profile on academia.edu or Google Scholar.
Dr. Axel Maireder
Associate Director, Marketing & Data Sciences
Global Social Media Intelligence Center
GfK | Ungargasse 37 | 1030 Wien | Austria
axel (dot) maireder (at) gfk (dot) com


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Mehdi Hasan exposes misconceptions about the continent
Explore Japan through its offbeat train culture
17 Feb 2010 00:14 GMT
Ahmadinejad said Iran had not planned to produce the further enriched uranium domestically, because it had a low amount of uranium stocks that it wanted to enrich and the move was not economical, but was forced to do so."We told them that if they don't provide us [with the fuel] in due time we would start work inside [Iran]," he said.
"Even now, if they provide us with the necessary fuel the conditions will be changed."Sanctions push
Last week, Ahmadinejad's announcement that Iran was starting the production of higher-grade uranium to produce fuel for a medical research reactor led to new calls from the US and its allies for a fourth round of UN sanctions on Iran.
Timeline: Iran's nuclear programme
He responded to the threat by saying that world powers would regret any moves to impose new restrictions."If anybody seeks to create problems for Iran, our response will not be like before," Ahmadinejad said on Tuesday.
"Something in response will be done which will make them [the world powers] regret" their move.
Ahmadinejad's comments came on the same day that Hillary Clinton, the US secretary of state, warned that if Iran gets a nuclear weapon it could trigger a nuclear arms race in the Middle East.
Speaking to students at Dar el-Hekma women's college in the Red Sea port of Jeddah, she rejected Iran's insistence that it is not producing a nuclear bomb, saying: "the evidence doesn't support that".
However, when asked by a student why Israel did not have to give up its nuclear weapons, Clinton did not respond.
Earlier, in Qatar, on the first part of her trip to Persian Gulf, Clinton said that Iran was heading towards a "military dictatorship" and warned it posed an international threat.
"We see the government of Iran, the supreme leader, the president, the parliament is being supplanted and Iran is moving toward a military dictatorship," she told students at the Qatari branch of Carnegie-Mellon University.
"Immediate resolution'
Speaking at a news conference with Clinton in the Saudi Arabian capital of Riyadh on Monday, Prince Saud al-Faisal, the country's foreign minister, said the threat posed by Iran's nuclear ambitions demanded a more immediate solution than sanctions.
Watch Hillary Clinton's Middle East Town Hall meeting on Al Jazeera:
Tuesday at 1900 GMT, Wednesday at 0300 and 1400 GMT, and on Thursday at 0600 GMT.
"We see the issue in the shorter term because we are closer to the threat. We need immediate resolution rather than gradual resolution," he said.
However, he did not identify a preferred short-term resolution.
He also said efforts to rid the Middle East of nuclear weapons must be applied to Israel.
Israel, considered to be the Middle East's sole, if undeclared, nuclear power, views Iran as its main enemy after statements by Ahmadinejad that the Jewish state was doomed to be "wiped off the map".
On Monday, Binyamin Netanyahu, the Israeli prime minister, met Dmitry Medvedev, the Russian president, to ask for help in imposing "biting" sanctions on Tehran.
Russia subsequently said that Iran should improve its co-operation with the International Atomic Energy Agency (IAEA), the UN nuclear watchdog, and that new sanctions could not be excluded if Tehran failed to fulfil its obligations.
"Russia still believes that Iran should more actively and broadly co-operate with the IAEA and other countries," a spokeswoman for the Russian president said.
"If these obligations are not fulfilled no one can exclude the application of sanctions."
Russia has long said it favours peaceful resolution to the standoff with Iran, but signs have emerged over the past weeks that the Kremlin is losing patience with the Islamic republic .
Tehran has repeatedly stated that its nuclear programme is purely to meet the country's civilian energy needs.
Source: Al Jazeera and agencies
US secretary of state in Gulf seeking support over Iran and Israeli-Palestinian talks.
US senator talks to Al Jazeera on Afghanistan, Pakistan and Iran's nuclear ambitions.
Politics, US & Canada, Afghanistan, Pakistan, United States
Education Pro enables teachers to monitor students' online activity and sends "violation" alerts over trigger terms.
Human Rights, Education, United Kingdom
Japanese protesters invoke human rights abuse and painful memories of war to oppose US Marine airbase on their island.
Military, Human Rights, Japan
Precarious peace agreement has failed to end fighting in South Sudan with fears of famine and disease outbreaks.
War & Conflict, Human Rights, South Sudan
While targeting 'terrorists and junkies', Kremlin-backed strongman Kadyrov flaunts the law to safeguard moderate Islam.
Human Rights, War & Conflict, Chechnya
101 East follows the lives of seven people in Nanjing and asks what they think of the direction their country is taking.
Politics, Asia Pacific, China
In a Delhi slum, puppeteers, musicians, jugglers and acrobats try to unite as they wrangle with an approaching eviction.
Business & Economy, Arts & Culture, Poverty & Development
An investigation into the high rate of child sex abuse in Jamaica and the government's failure to protect its children.
The story of the 1994 Rwandan genocide told through the prism of the media, exploring their role then and today.
Media, War & Conflict, Africa

subset: commoncrawl


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Cheap stocks with upward potential
Women are better investors than men
Join the NASDAQ Community today and get free, instant access to portfolios, stock ratings, real-time alerts, and more!
Top Consumer Shares:
CVS: flat
Consumer shares were lower in pre-market trade Thursday, weighed
along with the broader stock market.
In consumer stocks news, Blyth (
) reported a bigger Q2 loss amid a 25% decline in sales due to
ViSalus's decline in North American promoters versus the prior
The designer and marketer of candles and accessories for the
home, as well as health, wellness and beauty products sold through
direct selling and direct marketing channels said its Q2 net loss
widened to $4.89 million or $0.30 per diluted share from a loss of
$3.19 million or $0.20 the year earlier. Sales dropped to $157.79
million from $211.73 million.
And, Burger King Worldwide (
) reported that financial results for Q2 ended June 30 topped
analysts' expectations, as global comparable sales growth and new
restaurant openings helped drive system-wide sales.
The fast food hamburger restaurant posted Q2 net income of $75.1
million or $0.21 per share, compared with the prior-year.
Finally, Bed Bath & Beyond (
), a chain of home furnishing retail stores, has been downgraded by
analysts at Oppenheimer to a perform rating from outperform.
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While Toronto City Hall has dithered over the future of BIXI Toronto, something amazing has happened south of the border: New York City has launched CitiBike with 6,000 bikes and 400 stations. In its … [Read more...]
Making Toronto World Class: Purchase & Expand BIXI
Karen Stintz ticketed for running stop sign on bike
Go Karen Stintz! I love that the Chair of the TTC chooses to bike to work! As a long-time Leafs fan, I also have newfound respect for former Maple Leaf Sports and Entertainment chief executive … [Read more...]
Cyclist petitions Rob Ford to bike for a day
One Toronto cyclist is trying to get Rob Ford to bike a mile in her shoes. "Mayor Rob Ford has lots of opinions about cycling in Toronto but has he ever ridden our streets?" asks Candice … [Read more...]
Jarvis bike lane latest in City Hall's symbolic struggles
Down at City Hall, they chase gravy trains and fight a war on (or for) the car—and show respect for certain areas of the city by promising their residents underground transit. At some point, it seems … [Read more...]
Pharmacy Bikelane being Erased
BlogTO has a post today about the removal of the Pharmacy Ave. bikelane. The Birchmount bikelane is also due to be removed thanks to the backwards-looking decision of Rob Ford's regime at City … [Read more...]
Councillor Josh Matlow to ask for higher bikelane parking fines
City Council is meeting this coming Wednesday (Sept. 21st) and Councillor Josh Matlow (Ward 22, St. Pauls) has a proposal on the agenda by substantially increasing the fine (to $500) for parking on … [Read more...]
Jack Layton, 1950-2011
My most vivid memory from my many years of riding in the Ride for Heart is riding along and having a tandem bike come up along beside me. I thought nothing of it other than "cool! a tandem!" until I … [Read more...]
The Future of the Jarvis Bikelanes
The future of the Jarvis bikelanes is being decided today (or maybe tomorrow) by City Council. If you can't make it to City Hall in person today (or tomorrow), you can watch the activities of … [Read more...]
72% of Torontonians want Separated Bikelanes downtown
The headline for this Toronto Star article is about opposition to road tolls to pay for Mayor Ford's enormous (and unfunded) subway plans, but if you read past the first few paragraphs, you'll see … [Read more...]
Despite Campaign, Fort York Bridge proclaimed Dead
The Fort York Pedestrian and Cyclist Bridge is, for all intents and purposes, dead. Some background, in case you haven't been following along: You may remember our post from a couple weeks ago … [Read more...]


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how in the world does this only have 237 plays?! sheep out there only like whats fed to them on a major label plate...just look at the charts. the masses are still asses.
fuck davinci rockin wit da block beataz now???? he too raw!
DaVinci you're a fool. Stay off your own music.
Dumb azz title.
Always flawless
DaVinci one of the most thorough lyricist on laid back beat. Much Love to the last album,Much Love to this.


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More On Legal & Compliancefrom The Advisor's Professional Library
- Updating Form ADV and Form U4 When it comes to disclosure on Form ADV, RIAs should assume information would be material to investors. When in doubt, RIAs should disclose information rather than arguing later with securities regulators that it was not material.
- Disaster Recovery Plans and Succession Planning RIAs owe a fiduciary duty to clients to prepare for disasters and other contingencies. If an RIA does not have a disaster recovery plan, clients financial well-being may be jeopardized. RIAs should also engage in succession planning, ensuring a smooth transaction if an owner or principal leaves.
The Securities and Exchange Commission announced Thursday that Kevin Goodman had been named national associate director of the broker-dealer examination program in the Office of Compliance Inspections and Examinations.
Goodman, who's been the acting national associate director of the program since May while also serving as acting regional director and associate director for the Denver regional office, will oversee a staff of approximately 300 lawyers, accountants and examiners responsible for inspections of U.S.-registered broker-dealers.
"Kevin has excellent judgment and experience," said OCIE Director Andrew Bowden, in a statement. "As national associate director, he will work with our dedicated broker-dealer examination staff to further full compliance with the laws and fair treatment of investors by broker-dealers."
Goodman began his SEC career in 1992 as an attorney-advisor in the Los Angeles Regional Office and was promoted to branch chief, senior special counsel, and assistant director. Before coming to the SEC, he practiced corporate and securities law in the private sector. He graduated from Purdue University in 1982 with a degree in accounting and received his law degree from Indiana University in 1985.


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Every Tuesday we meet at the Hungarian Pastry Shop (AKA the Gotham Go Club). From about 7 to 12 we play drink coffee, tea, eat pastries and kibitz. Its a great meetup space, there are plenty of Columbia and Barnard students studying there in case you want some none go conversation. Just be sure to bring a board to guarentee yourself a game!
I started the group because there wasn't any other type of group like this. I've met some great folks in the group who have become close friends and have also met some amazing business owners.
— Bill, started New York City Gay Craft Beer Lovers
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MONDAY, Oct. 4 (HealthDay News) -- Americans are engaging in a wide range of sexual activities, including oral sex, anal sex, and partnered masturbation in addition to vaginal sex, according to the largest and latest survey of sexual behavior and sexual health in the United States.
The survey also found that adolescents are much more responsible than they're made out to be, with some 70 percent to 80 percent reporting condom use during their last sexual encounter.
"We found an enormous diversity in the sexual repertoires of U.S. adults. They rarely engage in just one sex act when they have sex," Debra Herbenick, a research scientist and lecturer in the department of applied health science at Indiana University in Bloomington, said at a press briefing held Thursday. "Vaginal intercourse is still the most common sexual act but many sexual events do not involve intercourse. What it means to have sex can vary greatly from one person to the next."
While 41 sexual acts were noted in the survey, Americans probably engage in more than those given that some behaviors -- such as kissing -- were not included in the questionnaire, Herbenick said.
She was lead author of one of several papers comprising the National Survey of Sexual Health and Behavior, published in an October supplemental issue of The Journal of Sexual Medicine. The survey was funded by Church & Dwight Co. Inc., makers of Trojan condoms, and was conducted by a team at Indiana University's Center for Sexual Health Promotion.
Using Internet questionnaires, the researchers surveyed almost 6,000 teens and adults ranging in age from 14 to 94.
Among the main findings:
While 85 percent of men perceived that their partner had had an orgasm the last time they had sex, only 64 percent o
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"It's more about getting the best looking image/photograph that fits with the photographers vision."
So as long as the final image looks good that is all that matters then, regardless of who produced it? Someone can snap a pic and simply drop the file or negative off at a digital lab paying for the "professional output" option that includes "drum scan, full color calibration, and creative assistance including dodging, burning, sharpening, cropping, dust removal, etc", come back a day later and pick up their masterpiece, then sell it for $500 as a traditional hand crafted C-print? You make a good point and I see where you are coming from, but it only applies to the handful of honest photographers and artists out there who genuinely use digital as a craft (Les McLean for example). When I buy art I like to know how the piece was made, why would I pay for something a digital lab banged out for someone? Many digital artists want it to be a non-issue, one has to ask why is this?


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[caption id="attachment_62564" align="alignleft" width="300" caption="Rob Belgiovane"][/caption]Simplifying TV Commercial Production with Remote Clients Sydney, Australia: Oct. 30, 2013 ... The Australian agency BWM recently relied on Frankie interactive video review technology to creatively review a series of dynamic TV commercials for the Bank of Queensland (BOQ). BWM, located in Sydney, was able to go over the animation content with their clients in Brisbane and the animation house in London using Frankie's browser-based software. Advertising agencies like BWM can review works-in-progress, regardless of where their collaborators and clients are located, with this click-and-play video review technology. When BOQ was looking to connect with Australians, they tapped BWM - Australia's largest independent advertising agency - to come up with a creative solution. Their creative team developed concepts for animation-based spots specifically aimed at movie theater audiences. The goal was to capture the local, independent and friendly nature of the bank. Built around the tagline, "It's possible to love a bank", BWM produced four animated commercials for the campaign. "Our job is to get Australians talking about the bank," said Rob Belgiovane, Executive Creative Director at BWM. "The key to a great campaign is a great idea. Once we hit on, 'It's possible to love a bank', the executions just came flooding out, which is always a great sign of a really workable long-term ad concept." Once BOQ had approved the scripts, the first order of business was to find a specialist animation house to bring them to life. Abby Hunt, National Head of Onscreen at BWM, cast a net across Australia and Europe before awarding the job to Birdbox Studio in London. "We chose Birdbox because they gave us the best treatment and ideas to improve the script," said Hunt. "And they really delivered." Once the project was green lit, the producers at BWM ran the job and used Frankie to review work in progress simultaneously with both the clients, based in Brisbane, and the animators, based in London. Hunt said they found the tool that was most beneficial for detailed and speedy client feedback. Before each review, she sent a URL to her clients who simply had to click on the link to open and play the latest video instantly while the creative team took them through changes via telephone. "Frankie helped us bring together very busy people from across the state and globe, to work as if we were all in the same room," said Hunt. "We can circle the tiniest detail on a frame to highlight what we are referring to. This saved us so much time with back-and-forth communication while still diving deep into the creative conversation." All five participants could discuss aspects of the commercial on a frame-by-frame basis, using drawing tools to draw right on the screen or by writing notes for all five participants to see simultaneously. Everyone was given an opportunity to provide their feedback on the content thanks to Frankie. "We find when something resonates with the target audience, as these commercials do with Australians, it is quite satisfying," Hunt said. "But, our producers also had to look after technical and budgetary challenges so it was beneficial to have the interactive element during the video reviews. Frankie allows our clients to be an active part of the review process just as if they were there in person. We used to have face-to-face meetings by flying to Brisbane or flying our clients to Sydney. Using Frankie for remote video review saves us a lot of time and money." Frankie plans start at $249 USD per month, which includes up to five concurrent projects, unlimited users, unlimited reviews, 10 GB of video storage and complete cross-platform compatibility. Monthly subscriptions can be cancelled at any time. Free seven-day trials are available at www.cospective.com/frankie. Cinema Commercial Credits Client: Bank of Queensland (Brisbane) Agency: BWM (Sydney) Production, Animation: Birdbox Studio (London) Director: Ant Blades Producer: Myf Hopkins Postproduction: BWM Post Production Sound Post Production: Eardrum About Cospective Cospective creates innovative software solutions to visual communication challenges. Forged in the fires of feature film visual effects workflows, Cospective has more than a dozen years of experience in helping directors, producers, CG artists and other visual professionals focus on the idea, not the technology. Originally spun off from visual effects boutique Rising Sun Pictures as Rising Sun Research, the company now operates under the Cospective banner, reflecting the broadening nature of our business. Cospective's video review product line includes cineSync, the Academy Award(tm) winning synchronized review and approval tool for major film productions and Frankie, for real-time video review right in your browser. Frankie is tailored for short form content produced by ad agencies, production companies and post houses. For more information, visit Cospective at www.cospective.com.
This section of Creative Planet Network, "The Wire", contains original press releases issued by various companies and industry organizations. The releases are not reviewed or edited by the editorial staff of Creative Planet Network News. For information and access, forward your name and email address to firstname.lastname@example.com.
BWM Uses Frankie Video Review Technology to Produce Animated Bank Commercials2013-10-30 17:59:18
The Wire:
- Timothy Woodward Jr.'s New Film"4GOT10" Shot on Blackmagic URSA Digital Film Cameras
- Filmworkers Partners with Top Directors for Effects-Driven Spots
- FuseFX Brings Penn State's Nittany Lion to Life for Emmy-Winning Image Spot
- John C. Lewis Paris Photo Featured in City Hearts: 2015 Fresh Focus Photo Auction
- Adorama Gears Up for PhotoPlus Expo 2015
- Alonso Sound Releases Morgan Page Soundset for Spire
- T2 Computing Explores MAM and the Monetization of Content at Thought Leadership Event
- BenQ's Large-Venue Projectors are Ready for the Big Time
- iZotope Releases RX Post Production Suite and RX 5 Audio Editor


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Honorary Chairs were The Rendina Family. From left are Lainie Cavalaris, Michael Rendina and Marji Rendina.
Elisa Stahman-Saunders, left, State Rep. Carl Domino and Sharon Domino.
Davis Gaines performed "Music of the Night" from "Phantom of the Opera."
Lori and Dr. Bill Schacter, left, with Celestial Gala Co-chair Lorea Thomson.
The Thomson Family - (from left) Rob, Paul, Sr., Scott, Joan and Steven. (Not shown is Paul, Jr.)
Anthony Robinson, left, Kenann Cassidy, Donna McCullough and Dr. John Cleveland.
Ingrid and Alan Tremain.
Sylvia and Dr. Claude Harmon.
Beth and Ben Northrop.
"An Evening with the Phantom Unmasked" event co-chairs, Bill and Brenda Hyland, left, and Lorea and Rob Thomson.
Lisa and Anthony Robinson, North County Unit executive director.
Enjoying a dance are Adriana and Corey Saban. He was the master of ceremonies for the evening.
Peggy Mate, left, Lorraine Mari, Barbara Spitz and Bobbi Gavin.
Peggy and Bill Mate of Admiral's Cove.
Andrea and Dr. John Cleveland, of Scripps Florida Research.
Jamie Sheridan and Bill Barrott.
Lori and Philip Schlegel. She was chair of the Revenue Enhancement committee.


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All Stories
Knowing when to call it quits - Kathy Jefcoats
I used to like Whoopi Goldberg but I can't remember why now. I do remember the moment I stopped appreciating her work as an artist. I was working at Books-A-Million when her autobiography was released. I snatched up a copy and turned to the first page. All I remember is that she went on and on about farting. It was not funny and not what I expected from a woman of her position in the entertainment industry. I closed the book, put it back on the shelf and have not spent another minute on her whether on television or in movies.
New legislation allows for 6-year one-cent tax collection
By Michael Davis
Early voting runs both hot and cold in counties
By Ed Brock
Delegates rally for Kerry at convention
By Greg Gelpi
Police search for jumping killer
By Ed Brock
CCSU adds pair of transfers
From Staff Reports
Riverdale police arrest suspect in fatal robbery
By Ed Brock
Grover H. Blakey
More AIDS awareness needed - April Avison
A recent study showed that doctors in major U.S. cities aren't doing enough counseling of HIV patients to prevent the spread of the virus. Upon first seeing the news article, I wasn't sure exactly how counseling could prevent the spread of HIV.
Henry students face weapons charges
By Kathy Jefcoats
Doris Laverne Page Roberts
Doris Laverne Page Roberts, 73, of Riverdale died Thursday, Aug. 5, 2004.
CSM Forrest Eugene Hinkle RET
CSM Forrest Eugene Hinkle RET, 63, died at Southern Regional Medical Center Thursday, Aug. 6, 2004.
Tab habits with a television journal - Rob Felt
You've heard the statistics. Americans watch so-and-so amount of television per day, per week, per year?
Keeping kids safe at home
By Kathy Jefcoats
Jones: Recall will be successful
By Greg Gelpi
The dying art of arguing - Bob Paslay
We had a newsroom discussion the other day about whether Bill Clinton's infidelity to Hillary was a character flaw that spilled over into his public life. One reporter was arguing this and several of us said history shows that strongly driven leaders, like former presidents, have had these extramarital encounters and have not shown any sign of it bleeding over into the way they purport themselves.
Family awarded more than $30 million
By Ed Brock
The origin of ?swan song' - Clay Wilson
I can't leave readers (not to mention a fellow writer n you're welcome, Ed) hanging.
News Daily Helpful Community Links
Clayton County Links
War must turn psychological - Greg Gelpi
As a war like no other, I've declared that there are three ways to fight the war on terror.
Back off, you water Nazis - Ed BrockI'm not selfish. My plants are.
Well, there's nothing else to write about, so I'm going to gripe about the new water restrictions. It's not that I don't realize the need, I just need to get my feelings off my chest.
Pets of the Week
Phoebe was born at the Clayton County Humane Society on March 23, 2004. She is a black and white domestic shorthair. She has been spayed and all vaccinations are current. Phoebe is the last remaining kitten from her litter, as her sister has recently been adopted. Being hand-raised by Humane Society staff, she is a sweet, human-oriented kitten. For adoption information call the Humane Society at (770) 471-9436.
True character is self-sustaining - R.H. Joseph
Ever wonder why conservative men are intimidated by intelligent, independent women?
No free rides? Says who? - Zach Porter
Just the other day, I flew on an airplane for free, courtesy of an airline to report on a story. Not only was it free but I got to take a brief tour of the cockpit with the aviation students I was following for the story. This was a rare opportunity post 9/11 and certainly something most people never get to do. The view was a letdown though, as it was very cloudy below us, blocking a view of the landscape and the sun beamed in from one side, blinding me from the view to my right. Nevertheless, riding in the cockpit of a huge airplane was more fun than you're having at the office cubicle, your little station with self-help pinups, as the world waits outside.


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"Tsavo East" Top 5 Page for this destination Tsavo National Park East by leffe3
Tsavo National Park East Travel Guide: 115 reviews and 293 photos
Its bigger than Wales!!!!
I was like a 5 year old, so excited was I when I booked the 2 day safari from Malindi. Couple hundred dollars it may have been, but this was a dream come true within the realms of affordability - even if it meant getting up at 5am!
Collected at the hotel in the centre of Malindi, stop off at Watamou and the various beach hotels there and we were off into the interior and a 3 hour drive. Coffee stop (and tourist paraphanalia shopping opps) meant fellow travellers had chance to wake up and get to know each other a bit better. Weird that we were all either Brits or Irish! We were to spend the next two days together so worth getting to know each other for sure.
In the park by about 830am - mornings and twilight being the best time for animal spotting. And as you will read in the tips, we struck gold with our guide and the sightings.
Format was approx 3 hour drive, stop for lunch (longer than anticipated as we got a puncture - so we went swimming at the pool of the rest stop!), drive to the hotel through stunning countryside, dinner at the hotel, relatively early night as pre-breakfast game drive at 6am - 2 hours of that (including a pretty close sticky-beak at Kilimanjaro - although probably hundereds of miles away in real terms-:)), departure around 11am and a 5 hour drive back to the coast. Pretty exhausting but worth every minute of it.
Under construction
My first elephant (and it wasn't to be the last). Look in the bushes to the right - you can see a baby copying - mom? dad? - with its trunk.
Reviews (17)
Inside the park itself, Voi provides accommodation or, more commonly, is used as a lunch pit stop for the safari jeeps.... more travel advice
The biggest thrill was the elephants. more travel advice
The lizard and others came to see us at Voi Guest House and Rest Stop, where she stayed for lunch (and found we had a... more travel advice
Officially, this is outside the Tsavo NP and is on the route from Voi Rest House to the Nature Reserve and Hilton On... more travel advice
Been to Tsavo National Park East?Share your travels with the world!
Comments (14)
Always love to read and see tips of places I once visited. You should be lucky with such a big tent
btw. your name is a famous Belgian beer
Nice animal pics Keith. There is no place like Kenya and it's parks
Wow, that looks one one fantastic game safari you went on!! Great photos of the game and well written too. I had to laugh at your Hilton tip! I always regret having driven past Tsavo on my way from Nairobi to Mombasa many years ago!
great safari pics!
Great information and a fun place!! I love the pictures.
What a fantastic experience..Thanks for sharing it..
Great pictures. The guys that you labeled as Elands? are waterbuck, the springbok? looks like a greater kudu, and I am guessing the last eland guess is a tsessebe or a hartebeest.
Tsavo looks great Keith ,some great wildlife shots here ,especailly of the elephants in full swing there an awsome sight :)
From the Hilton on stilts or from the jeep, I'll take this adventure as well.
And this one is a Hartebeast. :-)
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6 Materials Science and Engineering Laboratory 53
54 AN ASSESSMENT OF THE NIST MEASUREMENT AND STANDARDS LABORATORIES: FY 2003 PANEL MEMBERS David W. Johnson, Jr., Agere Systems (retired), Chair Katharine G. Frase, IBM Microelectronics Division, Vice Chair Karla Y. Carichner, Conexant Systems, Inc. Edmund W. Chu, Alcoa, Inc. Michael J. Cima, Massachusetts Institute of Technology Kenneth L. Davis, Motorola Laboratories Lisa Dhar, InPhase Technologies F.W. Gordon Fearon, Dow Corning Corporation Elizabeth G. Jacobs, Texas Instruments Sylvia M. Johnson, NASA-Ames Research Center Thomas X. Neenan, GelTex Pharmaceuticals Lloyd Robeson, Air Products and Chemicals, Inc. King-Ning Tu, University of California, Los Angeles Robert L. White, Stanford University Submitted for the panel by its Chair, David W. Johnson, Jr., and its Vice Chair, Katharine G. Frase, this assessment of the fiscal year 2003 activities of the Materials Science and Engineering Laboratory is based on site visits by individual panel members, a formal meeting of the panel on March 13-14, 2003, in Boulder, Colorado, and documents provided by the laboratory. 1 Department of Commerce, Technology Administration, National Institute of Standards and Technology, Ceramics Divi- sion: FY2002 Programs and Accomplishments, NISTIR 6904, National Institute of Standards and Technology, Gaithersburg, Md., September 2002. Department of Commerce, Technology Administration, National Institute of Standards and Technol- ogy, Materials Reliability Division: FY2002 Programs and Accomplishments, NISTIR 6905, National Institute of Standards and Technology, Gaithersburg, Md., September 2002. Department of Commerce, Technology Administration, National Insti- tute of Standards and Technology, Polymers Division: FY2002 Programs and Accomplishments, NISTIR 6906, National Institute of Standards and Technology, Gaithersburg, Md., September 2002. Department of Commerce, Technology Adminis- tration, National Institute of Standards and Technology, Metallurgy Division: FY2002 Programs and Accomplishments, NISTIR 6907, National Institute of Standards and Technology, Gaithersburg, Md., September 2002.
MATERIALS SCIENCE AND ENGINEERING LABORATORY LABORATORY-LEVEL REVIEW 55 The mission of the Materials Science and Engineering Laboratory (MSEL) is to work with industry, standards bodies, universities, and other government laboratories to improve the nation's measurements and standards infrastructure for materials. MSEL is organized in four divisions: the Ceramics Division, Materials Reliability Division, Polymers Division, and Metallurgy Division. This chapter provides an assessment of the laboratory overall, and division-level reviews are provided in Chapter 13. MSEL also houses the NIST Center for Neutron Research, which is reviewed in a separate panel report at the end of Chapter 13. The MSEL organization is represented in Figure 6.1. Major Observations The panel presents the following major observations from its assessment of the Materials Science and Engineering Laboratory: · The Materials Science and Engineering Laboratory continues in its tradition of undertaking and executing programs of high technical merit and strong relevance and effectiveness. · The MSEL efforts in homeland security have been exemplary, and the laboratory should now consider extending those studies into a predictive mode. · The panel hopes that control of overhead costs will be successful in stopping the erosion of technical staff and allow the laboratory to maintain its core competencies, its breadth of pursuits that attract high-quality scientists, and its ability to undertake new areas of research. · MSEL has been very successful in leveraging its human resources through collaborations. The panel continues to support judicious use of collaborations, recognizing that many members of the ---rr --- a----------- ---- -- - ------ ------- technical staff are at optimum levels of collaborative efforts. Materials Science and Engineering Laboratory Ceramics Division · Electronic and Optoelectronic Materials · Characterization Methods · Nanotribology · Data and Standards Technology · Nanomechanical Properties Materials Reliability Division (Boulder) · Microscale Measurements · Microstructure Sensing · Process Sensing and Modeling Polymers Metallurgy Division Division · Characterization · Electrochemical and Measurement Processing · Electronics · Magnetic Materials Materials · Biomaterials · Materials · Multivariant Performance Measurement · Materials Methods Structure and · Processing Characterization Characterization · Metallurgical · Dental Materials Processing NIST Center for Neutron Research · Neutron Condensed Matter Science · Research Facilities Operations · Reactor Operations and . . . . ~ngmeenng FIGURE 6.1 Organizational structure of the Materials Science and Engineering Laboratory. Groups are listed under each division and under the NIST Center for Neutron Research.
56 AN ASSESSMENT OF THE NIST MEASUREMENT AND STANDARDS LABORATORIES: FY 2003 · Increased staff travel between Boulder and Gaithersburg has paid off in better cooperation be- tween the two sites. Funding for such travel should be continued. · The panel is particularly pleased with the effectiveness of efforts in the past year to enhance laboratory safety. · The panel encourages the development of innovative methods for the maintenance, acquisition, and use of capital equipment. Technical Merit The technical quality of MSEL continues at a very high level, as evidenced by its quality contribu- tions and impact on emerging science and technologies, the significant reliance on and use of its databases, practice guides, and Standard Reference Materials by national and international technical communities, and the recognition of its technical advances through numerous scientific awards and publications. The technical competence of staff members remains very high, and their projects often push the state of the art and its applications. The level of accomplishment in the laboratory is quite high relative to that of similar organizations. The laboratory's output is generally excellent in terms of both quality and quantity. The panel continues to be particularly impressed with the outstanding accomplishments achieved by researchers through their effective use of available laboratory resources. The panel noted in particular that the laboratory is making better use of collaborations both within and outside of NIST. This change has had a positive impact on programs, increasing the depth of expertise brought to technical problems and thus increasing the sophistication of the experiments and theory applied to their solutions. Among the many MSEL programs with high technical merit and/or clear impact on national inter- ests, the panel was struck particularly by the following contributions from each division: · The Ceramics Division has provided leadership in maintaining and upgrading crystal structure databases and associated software tools accepted worldwide as universal standards. · The Materials Reliability Division has made improvements in Charpy impact testing and stan- dards that have wide customer support. Significant progress has been made toward setting an interna- tional standard for Charpy impact testing. · The Metallurgy Division has had an impact through the lead-free solder program. This program addresses a worldwide environmental problem and provides the unique and enabling fundamental data that give the United States a competitive advantage in providing a solution. · The Polymers Division has made significant advances in low-k dielectric thin-film nanoporous material characterization. This work supports the pressing needs for electronic materials and standard measurements. Accomplishments such as these are of increased value to U.S. industry given that the level of materials research in industry has been scaled back in recent years. Program Relevance and Effectiveness In addition to the divisional highlights mentioned above, there are numerous programs in MSEL that support the mission and objectives of the laboratory and NIST. Following are examples of such programs and their relevance:
MATERIALS SCIENCE AND ENGINEERING LABORATORY 57 · World Trade Center Program. This program utilizes core competencies of the laboratory to build an understanding of the failure mechanisms in the World Trade Center' s Twin Towers collapse. This understanding of the reaction of building materials to severe conditions and the development of specifications will be of great value in the domestic and foreign building industry. · Biomaterials. The NIST biomaterials effort has the potential to occupy a unique and critically important niche at the interface between materials science and biology, and to be highly relevant in the development of metrology for both commercial and regulatory practices in biotechnology, pharmaccu- ticals, and medicine. While the effort is still in the early stages, it is well timed for the development of several initiatives, and the group's sensitivity toward maintaining integration with its customers is an important aspect of ensuring success. The panel is particularly impressed with the involvement of the National Institutes of Health (NIH) both as a resource and as an authoritative body in the biological field. The panel applauds the MSEL initiative to bring together the materials and biological sciences. The joint NISTINIH postdoctoral program to be initiated this year will serve to strengthen this associa- tion. · Standard Reference Materials. The laboratory's relevance and effectiveness continue to be dem- onstrated through its strong SRM program and the utility that these products find throughout industry. The panel determined that the laboratory is enhancing its relevance and effectiveness through reliance on its strategic plan for the allocation of limited resources to a growing set of national needs. The laboratory is diligent in pursuing its Strategic Focus Areas (SFAs) Nanotechnology, Health Care, Homeland Security, and Information Management which provide a method of unifying individual projects toward a greater goal and providing avenues for new collaboration and growth. The panel commends the laboratory for maintaining a balance between these new focus areas and continued service to its historical constituency groups. The ongoing evaluation process, to prune programs that have ceased to be innovative while maintaining core competency, is important and must be continued. The management team is also encouraged to impart its enthusiasm for these focus areas to all levels of the organization. There is still some skepticism at the bench level concerning the lasting nature of the SFAs. Laboratory Resources Funding sources for the Materials Science and Engineering Laboratory are shown in Table 6.1. In January 2003, staffing for the laboratory included 169 full-time permanent positions, of which 139 were for technical professionals. There were also 55 nonpermanent or supplemental personnel, such as postdoctoral research associates and temporary or part-time workers. Appropriations for NIST are up about 6 percent this year, but because of required salary increases this gain once again essentially translates into a flat budget, and the panel is concerned that it could cause a possible loss of staff. At this point MSEL has the particular expertise that could contribute to the established NIST SFAs such as Homeland Security (nondestructive evaluation of infrastructure), Health Care (tissue engineering), and Nanotechnology. However, because of the steady decline in the number of MSEL staff the laboratory may be unable to step up to these challenges and opportunities. The panel is encouraged to see that the trend toward loss of technical staff is diminishing as a result of the effective control of overhead costs. The laboratory management must remain particularly vigilant in maintaining the expertise and equipment necessary to respond to important opportunities that can contribute to national goals. The panel strongly encourages a systematic approach to the write-off of obsolete equipment and the devel-
58 AN ASSESSMENT OF THE NIST MEASUREMENT AND STANDARDS LABORATORIES: FY 2003 TABLE 6.1 Sources of Funding for the Materials Science and Engineering Laboratory (in millions of dollars), FY 2000 to FY 2003 Fiscal Year Fiscal Year Fiscal Year Fiscal Year 2000 2001 2002 2003 Source of Funding (actual) (actual) (actual) (July 2003 estimate) NIST-STRS, excluding Competence 30.1 31.3 35.6 38.5 Competence 0.1 0.4 1.3 1.1 ATP 2.7 2.6 2.7 2.4 Measurement Services (SRM production) 0.7 1.0 1.3 1.1 OA/NFG/CRADA 3.9 2.8 3.5 4.5 Other Reimbursable 0.6 0.7 0.8 0.8 Totala 38.1 38.7 45.2 48.4 Full-time permanent staff (total~b'C 178 163 162 169 NOTE: Funding for the NIST Measurement and Standards Laboratories comes from a variety of sources. The laboratories receive appropriations from Congress, known as Scientific and Technical Research and Services (STRS) funding. Compe- tence funding also comes from congressional appropriations but is allocated by the NIST director's office in multiyear grants for projects that advance NIST's capabilities in new and emerging areas of measurement science. Advanced Technology Program (ATP) funding reflects support from NIST's ATP for work done at the NIST laboratories in collaboration with or in support of ATP projects. Funding to support production of Standard Reference Materials (SRMs) is tied to the use of such products and is classified as "Measurement Services." NIST laboratories also receive funding through grants or contracts from other [government] agencies (OA), from nonfederal government (NFG) agencies, and from industry in the form of cooperative research and development agreements (CRADAs). All other laboratory funding, including that for Calibration Services, is grouped under "Other Reimbursable." aThe funding for the NIST Center for Neutron Research (NCNR) is excluded from these totals. Information about the center's funding is available in the section of this chapter titled "Review of the NIST Center for Neutron Research," which contains the panel review of that facility. bNCNR personnel are excluded from these totals. Information about the center's personnel is available in the section titled "Review of the NIST Center for Neutron Research" in Chapter 13. CThe number of full-time permanent staff is as of January of that fiscal year. Opment of innovative methods for the maintenance, acquisition, and use of capital equipment. An example may be that of soliciting and accepting state-of-the-art characterization tools from the manufac- turers of such equipment. While NIST cannot endorse such equipment, the presence in NIST publica- tions of footnotes describing the equipment used for experimentation may be an incentive for companies to donate or significantly reduce the cost of equipment. Many important MSEL staff members are approaching retirement eligibility; before these individu- als leave, it is crucial to have mentoring and training of new staff in the skills of retiring staff. Junior staff at the laboratory report that the presence of a strong cohort of colleagues is a major reason that they have chosen to work at NIST. If the number of senior personnel continues to decrease, this sense of being surrounded by the best colleagues will diminish, and the laboratory may find it difficult to attract and retain researchers with the skills needed to address important emerging areas of science relevant to NIST's overall priorities. As in last year's report, the panel strongly recommends that management strategy set a priority on ensuring a viable transfer of expertise in its key areas. MSEL has some very good examples of leveraging its human resources through collaborations. Its programs in biomaterials, health care, and homeland security are particularly good examples. These
MATERIALS SCIENCE AND ENGINEERING LABORATORY 59 programs involve collaborations with other laboratories at NIST and with external researchers at other government agencies and in industry. The programs consequently have the potential for far greater accomplishment and impact than if MSEL had attempted to enter the areas on its own. The panel encourages MSEL to continue to use collaborations judiciously to extend the impact of its programs, and it urges MSEL to look for additional areas in which its resources might be so leveraged. MSEL has a unique management challenge because a portion of its staff resides in Boulder, Colo- rado. The laboratory has improved coordination between these sites by imposing few budgetary barriers to team-building travel between the two sites. Not only has this approach improved collaboration between the Boulder and Gaithersburg staff, but it also allows the laboratory to make much better use of the skills resident in Boulder. Some concerns remain within the Boulder community about visibility and recognition by the Gaithersburg management team, and these concerns warrant attention, although the recent visit by the NIST laboratory director was very well received. The management team is also encouraged to find ways to increase the bench scientists' sense of personal responsibility and ownership of the laboratory activities and to encourage them to suggest solutions to organizational as well as technical problems. The panel applauds the decision to hold the 2003 MSEL review meeting in Boulder. This gave the full panel an opportunity to see the researchers and facilities in the Materials Reliability Division. The staff of this division is anxious about the future, with the announced pending retirement of the division chief. The panel noted that the apparent NIST policy or tradition that prevents naming a successor before a position is vacant prevents real succession planning and leads to lapses of management conti- nuity and excessive anxiety in the technical staff. This year has seen efforts to establish closer collaborations between MSEL and KEEL at Boulder. The Materials Reliability Division has established linkages to the Optoelectronics, Radio-Frequency Technology, and Magnetic Technology Divisions of KEEL, which in turn is establishing coordinated efforts with the Ceramics and the Metallurgy Divisions in Gaithersburg. These collaborations have established broad-based units of expertise that will be well poised for the development of new initiatives within the NIST mission. Facilities for the Boulder researchers have improved somewhat but are still problematic and below standards for laboratory space of this sort. The panel is pleased to hear that some funding has finally been appropriated to improve the Boulder buildings and hopes that these or other funds will allow for repairs to prevent the roof leakages that have plagued one of the buildings for a long period of time. Laboratory Responsiveness The nanel found excellent MSEL reL~nonLsiveneL~Ls to its nreviouLs renort.2 In fact 1aLst vear the nanel'Ls _ _ . . . · . . · . . - ~ . ~ _ _ ~ · ~ ~ , , report also mentioned the excellent responsiveness of laboratory managers to the panel' s recommenda- tions and suggestions. For example, senior managers have held sessions concerning nanotechnology and nome~anct security to Cent methods for support of the NIST SFAs in these areas, offsite meetings have been held between technical management and selected staff members to improve communication with respect to the laboratory's priorities, and in almost all cases where specific program focus and direction had been questioned by the panel, the laboratory reexamined its programs and either adjusted , AT ~ ~ ~ ~ A · . 2National Research Council, An Assessment of the National Institute of Standards and Technology Measurement and Standards Laboratories: Fiscal Year 2002, National Academy Press, Washington, D.C., 2002.
ales. 60 AN ASSESSMENT OF THE NIST MEASUREMENT AND STANDARDS LABORATORIES: FY 2003 the focus or terminated the program. The laboratory has also taken a proactive approach to safety in its laboratory facilities, as evidenced by the installation of new safety equipment and the establishment of a staff performance plan to encourage routine safety practices. The panel applauds the laboratory on this responsiveness. Continued attention is needed to more general concerns, such as the potential for subcritical staffing of important programs and the maintenance of key areas of investigation to secure the laboratory's role in the strategic mission of NIST. Similarly, reviewers found the divisions to be very responsive to their previous reports. Responsive- ness is discussed in the division reports in Chapter 13, but a few examples are as follows: · The Polymers Division has phased out some programs in order to focus on emerging technolo- · The Materials Reliability Division has consolidated programs around core competencies and formed centers of excellence. · The Ceramics Division has made recommended strategic hires in nanotribology. · The Metallurgy Division has improved its nanomagnetodynamics program. The laboratory is encouraged to take a greater role in assessing future industry and national needs and in identifying the fundamental scientific questions underlying such needs.


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Rotation and direction
Im trying to make a triangle move around the screen, which I can do fine, but I would like the top point of my isosceles triangle to rotate when the user presses the right or left keys (which I know I can use the rotate property) and then make the point of the triangle (which has now been rotated slightly) be the direction that the triangle moves when pressing the up key.
I think Im talking about a relative coordinate system which is relative to the triangle that I need to use, but Im not sure, can anyone help me out with this?
Could you post a code snippet with the rotated triangle and point out the thing that does not work?
Well i have been doing a lot of research and it really turns out that the question Im asking about has nothing to do with JavaFX specifically. More of the maths and theory behind the physics of movement.
I have got the triangle somewhat moving and its just a matter of tweaking it from now on I think.
Thanks for the help though, Im making a sort of asteroids game, so be sure that I'll be posting some more questions as I go along!
The standard way is using linear transformations like rotation matrix:


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Arts at Wave Hill
The Visual Arts Program at Wave Hill presents the work of contemporary artists who explore the dynamic relationship between nature, culture and site through exhibitions in Glyndor Gallery and the Sunroom Project Space, and through the Winter Workspace Program and generated@wavehill.
Dynamic performing arts programming, whether commissioned or specially organized, presents music and dance at Wave Hill where artists take advantage of our unique site.
Current Exhibitions
Field Notes: Matthew Friday, David McQueen, Michelle StuartGlyndor Gallery | September 15 - November 29, 2015
Sunroom Project Space 2015Glyndor Gallery | April 22 - October 25, 2015
Benjamin Swett: New York City of TreesWave Hill House | June 17, 2015 - March 27, 2016
FWMA—Seven Deadly SinsApril 19 - October 18, 2015
The Arts at Wave Hill are supported by Lily Auchincloss Foundation, Inc., Milton & Sally Avery Arts Foundation, The New York Community Trust, the New York State Council on the Arts with the support of Governor Andrew Cuomo and the New York State Legislature and by the Cathy and Stephen Weinroth Commissioning Fund for the Arts. The institution's operations are made possible in part by public funds provided through the New York City Department of Cultural Affairs.


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Originally posted by junglejake
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If you register it, they will. That's one of the restrictions I found out about.
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"There are issues at Town Hall that don't seem to be going away with regards to actions of the supervisor," said Jasenski. "This isn't a personality contest, this is what they [the committee] would believe would be best for town government moving forward for some of the issues that are on the table after 15 months."
Del Gallo disagreed with Jasenski's assessment and said the Town Board has tackled many important issues and projects during his tenure.
"Sometimes the board disagrees, which is normal, I think. It didn't hold back anything getting done in Rotterdam," said Del Gallo. "If anybody could name a project that was halted with the disagreeing of the board, I would like to know what it is."
Del Gallo was unable to build a consensus on "the small things," said Jasenski, including the proposed tax cap with tax increases over 2 percent. This is why the committee drifted from the supervisor. Buffardi brings a "no-nonsense" approach to government, Jasenski said, and he's confident he's the one who can unite the board.
"What they were looking for was more of a proven administrator," said Jasenski.
Del Gallo said he is still confident he can get reelected and thinks town government is functioning effectively.
"I think once everybody knows what I have done and what's out there and what they may get, I think so," said Del Gallo about reelection. "I think everything in the town is running smooth."
Calder said Buffardi is someone he could work with and thought if the slate of Democratic endorsements were eventually elected they could "do some really good things." Calder feels he can be an asset to the community and said he's learned a lot after getting elected last year.
"I have known Harry Buffardi for many years, and I have worked with him. He is an honest guy, and he is very intelligent, and I know he could do a really good job if elected supervisor," said Calder.
Viscusi did run for County Legislature two years ago endorsed by Republicans, but this time he will be on the Democratic ticket.
Jasenski said Viscusi impressed some committee screening members during his interview by showing a dedication and devotion to the town.
"It seems like they have put together a slate of individuals that will work well together," said Jasenski.""
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We should all guess our babies birth weight and even length...
then look back and see how close we were..fun?
if you want also guess date and time of day/night!
BOOKMARK ladies!
Wife to wonderful Man and Mama of 4 soon to be 5 ~ Love my Family!
DSD 1/9/08 DS 5/23/11 DS due 10/19/13
Thanks for bumping this!! I was way off on my guess but it was still fun to predict, lol! :)
This is good! Had a dream last night about it!
Weight: 6 lbs. 14 oz.
Height (length): 19 1/2 inches
Loving Mama to Tanner 3/10/05 Chloe 9/27/10 Ella1/2/13 EBFing, babywearing, CDing!!
I'm gonna guess he's born on January 11th @ 11:45 p.m, weigh 6 lbs. 13 oz. and be 19 in. long
Hallie, you're a genius. And I seriously never saw this before today.
I'm guessing 8lb 12oz. 20"
Facts don't change just because someone cries.
Due Jan 21st.
Guessing: Jan. 19th, 7lb. 4 oz, 21 inches....born between 4 -6 pm
Mom's guess:
1/7/13 @ 7pm
6lbs 7oz
19.7in long
Joseph, 2001
John, 2011
Andrew, 1-12-13


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Fulton Theatre
12 North Prince Street
Lancaster, PA 17608
The Oldest Continuously Operating Theatre in America
This historic theater originally opened to the public in 1852. Over the years, the Fulton Opera House entertained audiences with many of the great performers of American stage, including the Barrymore family, Sarah Bernhardt, W. C. Fields, Al Jolson, Mark Twain, Helen Hayes, Marcel Marceau, and many more.
Today the 160+ year old Fulton Theatre is still an entertainment showcase in Lancaster. The Fulton Theatre is thought to be the oldest continuously operating theater in America and has been named a National Historic Landmark.
The Fulton Opera House Foundation incorporated as a not-for-profit organization in 1963. In the 1990's, the historic theatre underwent a $9.5 million renovation.
The Fulton annually serves over 130,000 guests with performances for all ages. The theater also serves as home of the Lancaster Symphony Orchestra.
Current Show Schedule
And Then There Were None by Agatha Christie – January 27 – February 15, 2015
The Producers by Mel Brooks – March 10 – April 4, 2015


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Australian Prime Minister Julia Gillard Pays Official Visit To China
Australia prime minister Julia Gillard shares a toast with Chinese... Photo d'actualitéAustralie,Chine,Diplomatie,Julia Gillard,Li Keqiang,Personne humaine,Politique,Premier ministre,Pékin,Réunion,VerticalPhotographer PoolCollection: Getty Images News 2013 Getty ImagesBEIJING, CHINA - APRIL 09:Australia prime minister Julia Gillard (L) shares a toast with Chinese Premier Li Keqiang during a meeting at the Great Hall of the People on April 9, 2013 in Beijing, China. Gillard spoke of building stronger defense ties with China. (Photo by Yoshsuke Mizuno - Pool/Getty Images)


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Boise, ID (PRWEB) March 29, 2013
"We are delighted to have this opportunity to bring our painless molluscum treatment to people in Asia. ZymaDerm™ provides a simple and effective all natural dab on preparation which allows parents to avoid expensive, painful, and other usually ineffective treatments," continued Dr. Burke.
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ZymaDerm™ is the most widely used painless and inexpensive natural treatment to rapidly make the unsightly skin bumps simply vanish, especially in children. Since its introduction in 2003, it has enabled hundreds of thousands of people to quickly be rid of visible bumps caused by MCV.
The unsightly skin condition is highly contagious and is caused by the molluscum contagiosum virus. MCV is a pox virus but it is not related to chicken pox. The lesions often rapidly spread and occur most often on the face, neck, armpit, arms, and hands. However, it may occur anywhere on the body except the palms of the hands and soles of the feet.
Contagiosum in children is more common than in adults. They catch it when they come into contact with the virus, usually on the skin of another infected chil
|Source: PRWeb
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Bunn Commercial Decanter Coffemakers
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Was that an attempted googly? Odd ball.
Good fightback nonetheless. Looked in control, Cook in particular has looked class.
'cause in a clearing when the sunlight comes
exposing all the shadows in our intricate behaviour
i feel a sort of fading
we build our own unfolding.
forever 63*
Well done Cook and Compton. A fighting effort and a slim chance of making India bat again. Need to win each of the next 3 sessions though to have any chance of saving the match, not a bad start though.
is that stumps?
And smalishah's avatar is the most classy one by far Jan certainly echoes the sentiments of CW
Yeah we don't crap in the first world; most of us would actually have no idea what that was emanating from Ajmal's backside. Why isn't it roses and rainbows like what happens here? PEWS's retort to Ganeshran on Daemon's picture depicting Ajmal's excreta
Indian win paying 1.33 now. Ridiculous value IMO.
England basically have to set up a chase and are at -219.
I'm a massive pessimist but I think we'll win this.
Yeah I have backed India at $2.6 pre-match and hedged at $1.6 and $1.11. Definitely going to get back on India now, especially since I'm greenbooked and have "winnings" to play with.
Still 2 days left. If England prevent the Indian win then all credit to them. But I'm happy to bet against it.
Also Teja you can get India @ $1.38 on Betfair.
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Single Light Ambient Lighting Table Lamp with Fabric Shade from the Roxey Collection
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Two Light 20.5" Up / Down Lighting Low Table Lamp with Rectangular Linen Shade from the Mitra Collection
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Determines the type of bulb used with this lamp. Incandescent bulbs are the most common but the most inefficient. Fluorescent and LED bulbs are most efficient while halogen and xenon provide the best color rendering.
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text: 0 British TV Back to article: Wagner, Diva Fever, Jedward: 'X Factor's Top 10 novelty acts 0 Previous Next 9. Johnny Robinson was also mentored by Louis Walsh in his 'Over 25s' on The X Factor last year. He was eliminated on week 5 after losing out to Kitty Brucknell in Dead Lock. Copyright: Rex Features Ken McKay/TalkbackThames/Rex Features 2 of 10 Previous Next


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Ever since their inception in the mid-1970s, 401(k) plans have provided employees around the country with a platform for saving for retirement. It used to be that companies, by way of traditional pensions, assumed most of the responsibility for saving for employees' retirement. Today, pension plans are less and less frequently used, and the introduction of the 401(k) has shifted the way people save for retirement. (To learn more about one of the most popular retirement plan options, read The 4-1-1 On 401(k)s.)
In theory, 401(k) plans are a novel idea; in practice, they are sometimes an abysmal failure. While few investments are more important than your company-sponsored retirement plan, millions of Americans are regrettably stuck in high-cost, outdated plans that almost guarantee failure. So what can a simple individual employee do about it? Plenty! This article will point out some indicators of a substandard retirement plan and outline your options for fixing it.
Symptoms of a Terrible Plan
The onus to save and invest for retirement now lies squarely on the employee's shoulders. But are employees really given the right tools? Are these plans really structured for do-it-yourself investing success? For most people, the answer is "absolutely not".
It's not always easy to spot whether you are stuck in a terrible plan, because the dominant model is for providers (the company that designs and manages the plan's assets for a fee) to bundle all their services, including record keeping, investments and payroll procedures. With a plan structure like this, it's hard to know what fee you are paying for a specific service.
But one clear symptom of a crummy 401(k) plan is the presence of exorbitant mutual fund fees.
By way of background, every mutual fund has annual operating expenses, which vary widely depending on the type of fund. The largest operating expense is the fee paid to a fund's manager. Other costs include:
- Record Keeping
- Custodial Services
- Taxes
- Legal Expenses
- Accounting/Auditing Fees
In addition, some funds have a marketing cost referred to as a 12b-1 fee that is also included in operating expenses. These fees are often shared with the plan administrator, but not ever disclosed to the plan participants. (Discover how investment strategies and expense ratios impact your mutual fund's return in Stop Paying High Mutual Fund Fees.)
It's also not uncommon to find proprietary products within a crummy plan, meaning the plan provider (i.e., the brokerage firm, fund company or insurance provider) handpicks its own, often high-cost, funds to be made available on the 401(k) platform. Revenue sharing is another common practice whereby the plan administrators share in the mutual fund fees with the mutual fund providers; it is often poorly disclosed to participants. This creates an instant conflict of interest in which specific funds are selected for the plan so that third parties can collect extra fees from unsuspecting employees.
Another symptom of a bad 401(k) plan is a limited list of fund choices. On the flip side, having a gigantic list of overlapping funds with limited asset class diversity is equally undesirable. Investment menus in corporate plans should be streamlined with 12 to 20 diverse choices for employees. Preferably, no plan should offer company stock as a choice (at the least, it should cap the amount employees are allowed to invest in company stock). The last thing you want as a 401(k) participant is to experience an Enron-esque event. (Read What Enron Taught Us About Retirement Plans to learn how past mismanagement of employer stock-ownership plans can help you learn what to avoid today.)
Understanding Fiduciary Responsibility
Your employer has a legal obligation to hold its corporate plan up to a certain standard. The Employee Retirement Income Security Act (ERISA) is a federal law that sets minimum standards for retirement plans in private industry. The Pension Protection Act of 2006 created additional guidelines.
A fiduciary is anyone who exercises discretionary authority over a plan's assets, including anyone who provides investment advice. Fiduciaries, including the employer, who do not follow the principles of conduct may be held responsible for restoring losses to the plan or plan participants. Plan sponsors retain a fiduciary responsibility to act with loyalty and prudence, to diversify plan assets and to act in accordance with plan documents.
More and more companies have been placed under the spotlight for breaching their fiduciary responsibilities as plan sponsors. One such victim is Wal-Mart (NYSE:WMT). Like many of the lawsuits filed against large plan sponsors since late 2006, the 2008 lawsuit against Wal-Mart accuses the company of violating its duty as a fiduciary by offering "costly" funds in its 401(k). As a result of this increased attention, companies are increasingly under the gun to do what's best for employee participants.
Treatment Options for a Crummy Plan
Federal law grants retirement-plan participants certain rights with regard to their plan assets. If you're not happy with the quality of your plan choices or the level of fund costs, you can do something about it.
The first step in fixing your personal 401(k) is to get informed. Do your homework on the types of investments available through the plan and research the mutual fund costs and results against their respective benchmarks. Good places to do this might be Morningstar or FundGrades. If you're not happy with what your research reveals, go speak with your company's HR benefits manager.
In addition to expense ratios, ask if any of the following fees are assessed against your personal plan assets:
- Sales loads
- Wrap fees
- Mortality and expense risk charges
- Advisor fees
- Fee-based brokerage or transaction-fee charges
- Stable value "spreads"
- Surrender charges
Keep in mind that retirement-plan options and providers do not have to be set in stone. Employers have the ability to change plan providers as they deem necessary. While this can be quite a lengthy and bureaucratic process, especially if you work for a large company, change can happen. If you have trouble getting someone's attention on the matter, you might want to print them a copy of the Securities and Exchange Commission's (SEC's) Guidelines for Selecting Pension Consultants. A copy of this document might snap them quickly into reality on how serious you are.
Fees Matter
In an ideal world, employer-sponsored retirement plans would be forced to reveal their annual expenses to participants in dollar terms, not expense ratios, and limit their fund choices to low-cost index funds for global diversification.
Retirement-plan participants often give up more than 1.5-2% per year in returns to cover fund expenses, and they don't even know it! Compare that to a cost of less than 0.25% for an index fund. Every dollar you can save on expenses or administrative costs is an extra dollar (plus compound interest) for your nest egg. According to the Department of Labor, fees can diminish your lifetime 401(k) accumulations by as much as 30%! (Find out how to save on commissions and fees in Don't Let Brokerage Fees Undermine Your Returns.)
401(k) Alternatives
If you find yourself stuck in a terrible retirement plan with no fixes in sight, you may want to consider opting out of it entirely and invest your money in other tax-deferred or tax-free vehicles such as annuities and tax-free bonds. The first hurdle in this decision depends on whether your employer offers a match for your contributions. If the answers is no, then consider whether it makes good financial sense to contribute to the plan. If a match is offered, you should contribute up to the amount to qualify for the match and consider whether it is better to direct the rest of your savings elsewhere.
Instead of (or in conjunction with) the 401(k), consider opening a Traditional IRA, Roth IRA, brokerage account, annuities, bonds or some combination thereof. Take control of how you structure your portfolio, keeping in mind that broad diversification, proper portfolio monitoring, discipline and cost efficiency will go a long way toward helping you reach your goals. (For further reading, see Roth IRA Or Traditional IRA...Which Is The Better Choice?)
For many Americans, 401(k) plans are often their biggest retirement asset, so preserving and growing this portfolio is key. If your account values continue to vanish because you are stuck in a crummy plan, take action. The whole notion of 401(k) plans was to give employees better control over their financial destiny. However, this does not seem to be happening in practice. The onus is on employee participants to make informed investment decisions and on employers to provide superior choices. It's your money, so there's no excuse to not get involved.
For further reading, see Six Ways To Maximize The Value Of Your 401(k).
How Are 401(k) Withdrawals Taxed for Nonresidents?As a U.S. nonresident, deciding what to do with your 401(k) after you return home comes down to which tax penalties, if any, you're willing to incur.
Why Are Annuities Important for Retirement?Understand how annuities work, and identify the benefits they provide for retirement, the most salient being a guaranteed income stream for life.
Become Your Own Financial AdvisorIf you have some financial know-how, you don't have to hire someone to advise you on investments. This tutorial will help you set goals – and get started.
This Group is the Most Underprepared to RetireMore than any other demographic, this group is woefully underprepared for retirement. Here's what they can do to change that.
Why Near-Retirees Shouldn't Sweat the VolatilityWith the stock market bumpy, some folks nearing retirement might be nervous. Here's how to create some wiggle room for your portfolio.
The 4 Best Alternatives to Long-Term Care InsuranceUnderstand what long-term care insurance is and the types of people who need this coverage. Learn about four alternatives to long-term care insurance.
Is Delaying Social Security Until 70 a Good Idea?Soon to be retirees are often told it's best to wait until age 70 to collect Social Security. Here's why this is not always the best advice.
Top Tips for Maximizing Social SecurityBetween delaying filing, claiming strategies and taking advantage of special marital benefits, there are several ways to maximize Social Security.
Options & Futures
Pick 401(k) Assets Like A ProProfessionals choose the options available to you in your plan, making your decisions easier.
Investing Basics
5 Things To Ask Before Hiring A Financial AdvisorChoosing a financial advisor isn't an easy task. Here's a list of the most important things to consider when planning for your financial future.
Can I borrow from my annuity to put a down payment on a house?You can borrow from your annuity to put a down payment on a house, but be prepared to pay an assortment of fees and penalties. ... Read Full Answer >>
What are the main kinds of annuities?There are two broad categories of annuity: fixed and variable. These categories refer to the manner in which the investment ... Read Full Answer >>
What are the risks of rolling my 401(k) into an annuity?Though the appeal of having guaranteed income after retirement is undeniable, there are actually a number of risks to consider ... Read Full Answer >>
How do I get out of my annuity and transfer to a new one?If you decide your current annuity is not for you, there is nothing stopping you from transferring your investment to a new ... Read Full Answer >>
What are the biggest disadvantages of annuities?Annuities can sound enticing when pitched by a salesperson who, not coincidentally, makes huge commissions selling them. ... Read Full Answer >>
What are the risks of annuities in a recession?Annuities come in several forms, the two most common being fixed annuities and variable annuities. During a recession, variable ... Read Full Answer >>


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Android TV From Lenovo
Lenovo Gets on the Ice Cream Sandwich Train With a TV
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Interesting features include facial recognition, 100 pre-loaded apps, and video on-demand. The TV can even be controlled through speech or a compatible Android mobile device.
Expect pricing and availability details soon!