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"I feel like 401(k)s were built to help me live the American dream, and this puts a cap on it," says Avery, a business service representative for Red River Credit Union in Texarkana, Texas. "I don't feel we should be penalized for saving for the future. That's what we are told to do."
Obama's proposal attempts to reel in dollars for the government—$9 billion over 10 years. The U.S. Treasury Department's so-called "Greenbook," which gives detailed explanations for the 2014 budget proposal, says that while there are laws capping annuities from defined benefit plans, as well as limits for annual contributions to defined contribution plans, there are no current rules limiting workers from accumulating large amounts of retirement money from multiple accounts.
"Such accumulations can be considerably in excess of amounts needed to fund reasonable levels of consumption in retirement and are well beyond the level of accumulation that justifies tax-advantaged treatment of retirement savings accounts," the Greenbook says.
Obama Press Secretary Jay Carney said at a press briefing that it's a "no-brainer" to cap retirement benefits on wealthy people who are able to save $3 million for retirement, when most Americans are only putting away a few thousand dollars each year.
"So what the budget does is it says that once you have an amount sufficient to finance an annuity of $205,000 a year … you should not get the tax-exempt treatment on" retirement accounts, Carney said at the April 10 briefing.
But the Employee Benefit Research Institute's analysis shows the administration's ceiling will affect more than wealthy Americans. Because the administration wants to pool all retirement plans for each saver, the Washington-based think tank says the proposal would affect 20 percent of Americans ages 25 to 64 with retirement plans.
"You are going to have a lot of people hit by the limit, and then you have to think about what this is going to do to encourage employers to start or continue 401(k)s," says Jack VanDerhei, EBRI's research director.
Plus, workers will face tremendous administrative complications, VanDerhei adds.
"Every year, every taxpayer with a 401(k) and/or a defined benefit plan will need to gather all their information [from potentially different sources] to figure out whether they are over the cap," he says. "There is no way this creates the same incentives to continue 401(k)s."
Judy Miller, director of retirement policy at the American Society of Pension Professionals & Actuaries, agrees with VanDerhei, saying the proposal—and the uncertainty of it—will discourage small-business owners from starting 401(k) plans. Her Washington-based association is currently working on revenue-generating proposals that would favor plan formation.
"Small-business owners need to feel like they are getting something out" of sponsoring a retirement plan, Miller says. "This is a voluntary system, and we want to encourage the administration to look at things that will increase revenue, but not discourage employers from sponsoring retirement plans."
Patty Kujawa is a writer based in Milwaukee. Comment below or email email@example.com. Follow Workforce on Twitter at @workforcenews.


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ISU Will Travel To Alabama For NCAA Regional
AMES, Iowa – The Iowa State gymnastics team learned it will continue its post season at Alabama as a part of NCAA Regional competition, its 16th-straight regional appearance. The Cyclones will travel to Tuscaloosa, Ala., to face No. 3 Alabama, No. 9 Utah, No. 15 Denver, No. 23 Kent State and BYU on April 6 at 6 p.m. CT. in Coleman Coliseum.
Iowa State returns to Alabama, a site it is not a stranger to having NCAA Regional success. The Cyclones have placed second the last three times (2000, 2005 and 2007) they competed in Coleman Coliseum in NCAA Regional competition.
The lone team Iowa State has faced this season in its regional is Kent State. The Cyclones downed the Golden Flashes 193.625-193.575 on Jan. 11 in Hilton Coliseum
Iowa State is coming off a season-best performance, scoring 196.175 to place second at Saturday's Big 12 Championship in Hilton Coliseum.

subset: commoncrawl


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South Australian Aboriginal Health Survey
In 2012, SA Health completed its first ever specialised population health survey of Aboriginal people, titled the South Australian Aboriginal Health Survey (PDF 4605KB)
The main objectives of the survey were to:
- determine the prevalence of chronic disease and risk factors in the South Australian Aboriginal and Torres Strait Islander population;
- identify and describe the protective factors for health and wellbeing;
- identify and describe barriers to accessing health services;
- gain an understanding of differences in the challenges faced by this population group; and
- produce reliable population estimates for urban, rural, and remote areas.
Funding for the survey came from the Closing the Gap National Partnership Agreement.
The SA Aboriginal Health Advisory Committee oversaw the running of the survey and provided advice on survey methods and questions, and the content and structure of a report that presented the main results and findings.
The survey received clearance from SA Health's Human Research Ethics Committee and Aboriginal Health Council of South Australia's Aboriginal Health Research Ethics Committee.
The Population Research and Outcome Studies, the University of Adelaide, ran the survey and produced a final report titled South Australian Aboriginal Health Survey (PDF 4605KB). The report presents an epidemiological analysis of the key themes explored in the survey, including the prevalence of chronic disease, the prevalence of risk and protective factors for health, and barriers to accessing health services for Aboriginal adults (aged 15 years and over) in South Australia.
A series of concise brochures have been prepared to complement the main report, summarising the results of key topic areas covered in the survey:
- Aboriginal culture
- chronic conditions
- Aboriginal people
- healthy and unhealthy living
- smoking.
Two brochures have been developed for each topic (apart from Smoking); one for the state as a whole and another by region (metropolitan, rural and remote).
Links to the brochures are provided below:
- Aboriginal culture – State (PDF 816KB)
- Aboriginal culture - Region (PDF 912KB)
- Chronic conditions – State (PDF 800KB)
- Chronic conditions - Region (PDF 829KB)
- Aboriginal people – State (PDF 997KB)
- Aboriginal people – Region (PDF 843KB)
- Healthy and unhealthy living – State (PDF 863KB)
- Healthy and unhealthy living – Region (PDF 892KB)
- Smoking – State (PDF 884KB)


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I would like to run wire from our electrical panel under the lawn out to a garden area. I would like to put up about 4 seperate plugin outlets along with the ability to power a pond. I am entirely new to this and if this info helps i am in san jose california. Any input would be gladly appreciated. Some questions.... What kind of wire do i need to run how deep in conduit or not what kind of conduit if i must do i need to run a seperate wire for the pond??????????? I am willing to hire an electrician to hook it all up but figured i could dig the ditch(s) and lay the wire to minimize costs. Thanks in advance!!!!!!
- Forum >
- Electrical & Lighting >
- Running new outdoor electrical wire
Sounds like what you should do first is call an electrician to give you a free quote. He can tell you the codes for depth etc.. I would leave ALL the wiring up to him. In fact, I don't think an electrician would touch anything that you had put together just because of liability reasons. Hope this helps
Thanks for that, I pretty much figured that would be the case. I was primarily hoping to dig the trenches for the most part so they would not have to spend my money for such a time consuming part!@!lol Then i figured well if i could might as well run the wire and and let them hook it up lol ...thanks for the info!!!
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Click on a thumbnail to go to Google Books.
Project Pearl: The 1 Million Smuggled Bibles That Changed China
by Brother David
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Amazon.com Product Description (ISBN 0825461952, Paperback)From the coauthor of The Heavenly Man comes another incredible true story of God's power manifested in China. Project Pearl is the powerful account of the delivery, in June 1981, of one million Bibles into China by a tugboat and barge manned by twenty dedicated missionaries.
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Sign-up for exclusive special offers & news.
If you are looking to furnish a specific room in your home, with contemporary or oriental style furniture or contemporary walnut and cherry wood or eco-friendly bamboo but are undecided as to which pieces to choose, then this is a quick and easy way to view all of our designs. Compare our black and white lacquer and eco-friendly bamboo furniture for the living room, bedroom, dining room and study and see which would work best in your home.
Why not combine a bit of black oriental chic with some boutique Bamboo? And our chairs, upholstered in ivory leather look very smart indeed. Finally, set the tone through the addition of a lamp or two from our stunning new collection of contemporary indoor lighting.
We also offer free wood finish samples and leather swatches to help you decide. Just email us by clicking here or give us a call on 0800 75 65 199. Lines are open 7 days a week 8am to 8 pm.


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Silly me. Simple indeed.
I won't mention the name of my circuit provider, but let us just say that it took about 10 days for them to make the DNS changes: one day to properly change the forward records (they got only one of them right, seven of them wrong, they fouled up the reverse mappings, and they forgot the MX record for mail forwarding ) and the remaining nine days to fix the mistakes they made. In the midst of all that - since I was dead in the water anyway - I upgraded my server (a Mac server running Mac OS X Server) to Leopard and that required some fiddling, since Apache and Tomcat were new, less forgiving versions. Anyway, late last night, the planets aligned and I'm back on the grid.
Why the heck don't I outsource my hosting? The basic reason is that I never want to get so far away from the underpinnings of this technology that I lose touch with the gnarly bits that contribute to the friction of computing, friction that is part of the daily life of those in the trenches who keep our systems alive. The software stuff that we deal with is complex enough; the hardware stuff that's at the bottom of the stack has its own complexity and every time it makes itself known, I'm humbled that this stuff works at all, and I admire its resilience in the face of such fragility.
So apologies for any inconvenience that my site being down may have caused you.
Quote of the day:
SysAdmin Humor
[Read More]


text: Youth & Education Stories about education focused on the Pacific Northwest, with many from KPLU's Youth & Education reporter, Kyle Stokes. Tim Egan author of 'The Big Burn' says effects still being felt By Glenn Mosley • Sep 19, 2011 The author of the 2009 bestseller, "The Big Burn," says the famous 1910 fire that scored millions of acres in the Northwest still holds relevance for us today. There weren't always public lands in America, and there was a time when the Forest Service was on the chopping block in Congress. The future of both was impacted by the famous 1910 fire in north Idaho, western Montana, and eastern Washington. Judge: Tacoma could replace striking teachers By The Associated Press • Sep 19, 2011 TACOMA, Wash. — A Pierce County Superior Court judge says he's considering giving the Tacoma school district the option to hire replacement teachers for those on the picket line. Tacoma teachers' strike keeps schools closed By The Associated Press • Sep 19, 2011 TACOMA, Wash. — Schools are closed Monday for another day in Tacoma as negotiations continue between the school district and striking teachers. Striking Tacoma teachers want contract solutions now, not later By Charla Bear • Sep 15, 2011 Charla Bear / KPLU Tacoma schools will be closed again Friday after teachers voted on Thursday to stay out on strike. Friday will be their fourth day on the picket lines, despite a court order to return to their classrooms. The teachers say that without a resolution to the basic contractual issues in the conflict, returning to class now would only prolong the turmoil, possibly for years. Update: Tacoma teachers will stay on strike By KPLU News Staff & The Associated Press • Sep 15, 2011 Erin Hennessey / KPLU Teachers in Washington state's third-largest school district have voted overwhelmingly to remain on strike, in defiance of a judge's order that they return to work. Some 93 percent of the nearly 1,600 Tacoma School District teachers meeting in the Tacoma Dome arena today said they wanted to continue picketing. The teachers walked out Tuesday. Oregon universities avert SEIU strike By Chris Lehman • Sep 15, 2011 SALEM, Ore. – Negotiators have averted a potential strike at Oregon's seven public universities, at least for now. The Oregon University System and the union representing nearly 4,000 front-line employees agreed on a tentative two-year settlement early Thursday morning. As the clock ticked past midnight, SEIU lead negotiator Marc Nisenfeld says it was clear the momentum was there for an agreement. So the bargaining team did everything they could to stay awake. Update: Tacoma teachers to meet at picket lines to decide next step By Charla Bear • Sep 14, 2011 (Go here for the latest developments of this story.) Tacoma's striking teachers have decided to go back to the picket lines this morning rather than directly to their classes to decide on their next action, a union official clarified last night. (Editor's note: An earlier version of this story stated the teachers were rejecting the judge's orders. It's still unclear whether they will return to class or not.) Tacoma Education Association (TEA) "certificated members should meet at their regular picket line locations as scheduled Thursday morning, as you heard from your picket captains," TEA president Andy Coons said in an email to union members. Update: Tacoma teachers wait to decide whether to return to class By Charla Bear • Sep 14, 2011 Leaders of the Tacoma teachers' union say they will leave it up to the striking teachers to decide what to do with a judge's order to return to the classroom tomorrow morning. Andy Coons, president of the union, told teachers at a rally this afternoon that he would be contacting them possibly later today with options for them to decide on. Washington students tops on SAT By Paula Wissel • Sep 14, 2011 Krug6 / Flickr Washington students appear to be acing one test, the SAT test. Average scores were the highest in the nation among states where more than 50 percent of eligible students take the college-entrance exam. Strike day two: Tacoma district heading to court to end walkout By Charla Bear • Sep 14, 2011 Associated Press More than 28,000 kids are still locked out of their classrooms today, while school district officials head to court to force teachers back to work. Strike day one: Tacoma teachers begin picketing By The Associated Press • Sep 13, 2011 (Twitter feed at bottom of story.) TACOMA, Wash. — Teachers in Washington state's third-largest school district have begun picketing, hours after they overwhelmingly voted to walk away from the classroom. The strike keeps 28,000 students at home. Update: Union VP says she's proud of Tacoma teachers' vote to strike By Charla Bear • Sep 12, 2011 Tacoma Education Association "It really had to come down to a strike ..." Tacoma schools will be closed to students tomorrow. Teachers voted to go on strike at their union meeting tonight. They expect to start picketing first at Lincoln High School at 6 a.m. Tuesday morning. "I'm so proud of our teachers – 87 percent of our teaching membership voted to strike. It's that important to them to have a fair contract," said Adrienne Dale, VP of Tacoma Education Association. "It's very difficult for teachers to leave their classrooms because they're in it for kids. So, it was a very powerful moment when the numbers came back." Strike vote nears at Oregon universities By Chris Lehman • Sep 12, 2011 SALEM, Ore. - Workers at Oregon's seven state universities are nearing a possible strike authorization vote on Thursday. The union representing nearly four thousand higher ed workers issued a report Monday blasting the state's university system. The SEIU accuses the Oregon University System of being top-heavy with administrators. The union also says the schools have gone on a building spree that means money that could fund services is now going to pay off construction debt. Federal Way says putting more kids in advanced classes worked By Charla Bear • Sep 12, 2011 Charla Bear / KPLU Federal Way's attempt to push kids to the next level may have had some impact. Recent results of exams in advanced courses, the school district says, shows more kids did take the tests without lowering the percentage of passing scores. Bottom line: More kids in advanced classes + more kids taking the exams and passing = more students who can handle harder classes than they might have taken on their own. The district hopes that also means more kids will go to college. Back to school: Memories of junior high jitters By Erin Hennessey & Tim Haywood • Sep 6, 2011 Erin Hennessey Seattle writer Tim Haywood of Reflections of a shallow pond fame has the jitters. His youngest daughter is about to start middle school. That brings up memories of his own journey, 35 years ago, from elementary school to junior high. Pages« first ‹ previous … 21 22 23 24 25 26 27 28 29 … next › last »


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Images: Blackhawk spouses earn spurs [Image 5 of 9]
Photo by Staff Sgt. Lindsey Kibler
Erica Gunnison, wife of 3rd Squadron, 1st Cavalry Regiment's commander, Lt. Col. Paul Gunnison, calls in a 9-Line medical evacuation, April 26, during the squadron's Spouses' Spur Ride. Gunnison, and nearly 30 other spouses and significant others from 3rd Sqdn., 1st Cav. Regt., 3rd Armored Brigade Combat Team, 3rd Infantry Division, reported for duty at Sledgehammer Field. The women were placed into teams, based on their husband's assigned troop, and marched to various lanes throughout Kelley Hill, where they had to fire weapons during a simulated range, don a pro-mask during a chemical attack, provide aid to a casualty while preparing him for a medical evacuation, react to contact while calling for fire, and answer cavalry-related questions during a Spur Board.
This work, Blackhawk spouses earn spurs [Image 1 of 9], by Lindsey Kibler, identified by DVIDS, is free of known copyright restrictions under U.S. copyright law.
Date Taken:04.26.2014
Date Posted:04.28.2014 14:06
Photo ID:1281316
Size:5.48 MB
Location:FORT BENNING, GA, US


text: A True Love Story Never Ends Plaque Item #: 127860 $19.99 $12.97 Qty: Sorry, this item is currently unavailable online. Ship to Home Ship to Store (FREE) Celebrate your own personal love story! The A True Love Story Never Ends Plaque is a piece of wall decor for the hopeless romantic in all of us. Plaque measures 24L x 21H in. Crafted of wood composite White finish with black smudged edges Black and red script-style letters Message reads "A true love story never ends" Comes ready for wall mount; no hanging hardware required Care: Dust with a soft, dry cloth. Contact your local Kirkland's store for availability. Quantities and selection may vary by location. Sorry, this item is currently unavailable online.


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Football Coaching Staff
Julie Guzman
Assistant Football Athletic Trainer
Coach Info:
|Assistant Football Athletic Trainer
|4 Years
Julie Guzman is in her third season as Cal's assistant football athletic trainer in 2012 after joining the program during the 2010 campaign. Her responsibilities include supervision of the graduate intern and undergraduate sports medicine intern programs, as well as the long-term rehabilitation of Cal student-athletes.
Guzman has previous collegiate athletic training experience as a graduate assistant at Stanford from 2008-10 and as a student trainer at Cal (2008) and Eastern Michigan (2006-08). She was also the medical director of summer sports camps at UCLA in 2010 and spent four years in the United States Marines from 1998-2002.
Guzman earned a bachelor's degree in athletic training from Eastern Michigan in 2008 and a master's in athletic training from San Jose State in 2010. She is a certified athletic trainer with the National Athletic Trainers Association.
Guzman loves to surf in her spare time and is currently training to become an amateur boxer.
LAST UPDATED: August 23, 2012


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Monday, May 07, 2007
booty from the festival - tomato roll call
- Principe-Borghese (cherry)
- black cherry (cherry)
- cherokee purple (purple full flavor)
- omars lebanese (large pink slicer)
- pantano romanesco (large red slicer)
- amish paste (red canning tomato)
hopefully we'll have a yellow pear that was a volunteer from last year. that would be a seed saving accident. if it did make it we'll be sure to nurture it for next year also. it'll be the first omelay heirloom. actually it was tristan's favorite i really hope it makes it for his sake.
we had a bunch of fun. deb from work came and brought her husband and another couple. i guess gale and husband from work were there also, i didn't see her though. the thompsons were there with their whole family in tow. we really like them, their kids are nice and fun for our kids. i brought them our extra tomato plants that wouldn't fit in our garden. i hope they produce for them. i invited them to help butcher our chickens. we'll share a few with them (around 5) for their trouble. we can do the butchering ourselves but having help would make it less of a daunting task. plus we want to share our wonderful milk-fed chickens with such a nice family.
nimue is bloating up--she'll calf any day now. i can't wait for fresh cream in my morning coffee.
the garden is starting to really look good. i put mulch (wheat straw) between all the planted rows of tomatoes and beets. the swiss chard and other greens are still to small to mulch in yet. i hope to get cattle panels from mike tomorrow. we'll use a total of eleven cattle panels in the garden. five will make up the pole bean arch. two will be for trellised cucumbers. two will go to pumpkin trellising and two will go to the butternut squash. i'll buy them from mike since they are only slightly used in perfect shape and it'll save me the trip to ozark-MFA in a borrowed truck and trailer.
best of all, mike is giving me his surplus wood from making his loft in his barn. it will go for exactly the same purpose in our barn. i have heavy plywood there now but cool rough cut hickory one inch slab will keep up the rustic feel. i can see the finished barn in my minds eye. i hope to get to work on it very soon.
summer is almost here. life feels so rich right now that it seems like a dream.
3 comments:
Seems like a dream? You've got a freezer full of Merlin steaks! That's Heaven on Earth! Here and now!
I am glad to hear that the garden is growing well! Panoramas soon? I really enjoyed those last year! My garden is puny compared to the one you guys grow, but I am enjoying it and hope to have lots of summer produce from it. I've planted tomatoes, chard, radishes, cukes (all kinds), peppers and artichokes. I love artichokes... I also have some flowers in there.
Glad your leg got better.
- Tracy said...
I agree with Donna - I hope you have panoramas again this year! I've been visiting your blog for awhile, but haven't posted for ages.
A tip on the Principe Borghese tomato you got - don't use it as a cherry tomato, use it as a drying tomato. That's what they were bred for, and they are absolutely excellent when dried - like candy. As a cherry, though, not so excellent.


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Application-based DDoS attacks are on the rise, warns Gartner
This year, one-quarter of distributed denial of service attacks (DDoS) will be application-based, predicted research firm Gartner.
During application-based attacks, hackers send out targeted commands to applications to overwhelm the central processing unit and memory and make the application unavailable, the research firm explained.
Financial services and e-commerce firms will be favorite targets of DDoS attackers in 2013, as they were in 2012, Gartner noted.
DDoS attacks cost enterprises $3.5 million every year, according to a study by the Ponemon Institute and security firm Radware. More than two-thirds of the 705 IT professionals surveyed by Ponemon said their firms had experienced on average three DDoS attacks per year, with an average downtime of 54 minutes per attack. Costs include lost traffic, diminished productivity and lost revenue.
Two-thirds of respondents said the severity of DDoS attacks is on the rise, yet fewer than half said their firms are vigilant in monitoring and combating attacks.
High-bandwidth DDoS attacks that blast networks with 70 Gbps of noisy traffic through the Internet are on the rise, warned Avivah Litan, vice president and distinguished analyst at Gartner.
"2012 witnessed a new level of sophistication in organized attacks against enterprises across the globe, and they will grow in sophistication and effectiveness in 2013. A new class of damaging DDoS attacks and devious criminal social-engineering ploys were launched against U.S. banks in the second half of 2012, and this will continue in 2013 as well-organized criminal activity takes advantage of weaknesses in people, processes and systems," Litan cautioned.
"To combat this risk, enterprises need to revisit their network configurations, and rearchitect them to minimize the damage that can be done. Organizations that have a critical Web presence and cannot afford relatively lengthy disruptions in online service should employ a layered approach that combines multiple DOS defenses," she advised.
Not only do hackers use DDoS attacks to shut down websites, but they also use them to distract security staff so they can steal confidential information or money. Litan said enterprises should cooperate with industry associations to share intelligence on DDoS attacks.
For more:
- see Gartner's release
- check out the Ponemon-Radware study
Related articles:
Server-based botnets used in attacks against US banks
Infonetics: Mobile attacks fuel DDoS prevention appliance demand


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See All Contributors »
so after watching his video today on cr, i realized he is very fast. I've heard people say he is not because of the play n which he returns the kick off in his highlight video he gets caught, but does anybody else notice he is not the one returning the punt, he is a blocker that comes from 10-15 yards back and catches up with the guy returning the ball... im sure some if not all of you caught that but i know people on cr have not.
I can't remember where I read it but I remember seeing that he had been clocked at 4.29- 40. I've been talking about him to alot of people that he will one to watch that not many people are talking about.
33, can you confirm this 4.29?
Originally Posted by dinger
33, can you confirm this 4.29?
Yeah I'm pretty sure I can give me a little bit I trying to find where I saw that.
Last edited by cyfan4St8; 07-28-2008 at 03:46 PM.
Reason: messed up
Originally Posted by jodysoma
Yeah I'm pretty sure I can give me a little bit I trying to find where I saw that.
not trying to be grammar police but..... what?
Originally Posted by armount
not trying to be grammar police but..... what?
I'll try to interpret for you . . .
Yes -- I'm pretty sure I can [confirm the 4.29].
Give me a little bit [of time while] I [am] trying to find where I saw that [4.29 speed listing].
May my posts be polite and not misunderstood. (And hopefully funny on occasion.)
Originally Posted by armount
not trying to be grammar police but..... what?
Sorry forgot my ,,,,,,,'s but next time you post why don't make it worth it.
Here is the link to where I saw how fast he ran his forty. And I was wrong it says 4.26- forty.
Scout.com: Jason Carlson Profile
thanks jody
His coach at the junior college said they hand-timed him in the sub 4.2, multiple times. They said they knew hand times weren't completely accurate but he is BLAZING fast.
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Victor Valdés has matched the record of the legendary Antoni Ramallets, up to now the only goalkeeper to have won the Zamora trophy for the fewest goals conceded an amazing five times
He is also the first goalkeeper to win the trophy four years running
The 19 Barça Zamora Trophies
- Velasco (1948)
- Ramallets (52, 56, 57, 59 and 60)
- Pesudo (1966)
- Sadurní (1969, 75 and 75)
- Reina (1973)
- Artola (1978)
- Urruti (1984)
- Zubizarreta (1987)
- Valdés (2005, 09, 10, 11 and 12)
"I'm excited about winning this fifth Zamora trophy and equalling Ramallets. He's a reference point for me in goal". Although Victor Valdés has always given priority to collective prizes rather than individual honours, his achievement this season of winning a fourth consecutive Zamora trophy (for the goalkeeper who concedes the fewest goals) is a source of great pride as it puts him up alongside one of the all-time greats, Antoni Ramallets. Valdés has now won the trophy five times (2004/05, 20008/09, 2009/10, 2010/11 and 2011/12), equalling the efforts of Ramallets, up to now the only player to win the trophy five times (1951/52, 1955/56, 1956/57, 1958/59 and 1959/60).
52 years later
It's taken 52 years for another goalkeeper to equal the record set by Ramallets. And it's fitting that it should be equalled by a Barça player. This latest honour consolidates Barça's position at the top of the Zamora ranking with 19 trophies, ahead of Real Madrid's 16.
Valdés has not only equalled Ramallets; he has also set a new record of four consecutive Zamora trophies, all of which he has won during Guardiola's time in charge.
28 goals in 35 matches
In laying claim to this year's trophy, Valdés conceded a miserly 28 goals in 35 matches, giving him an average of 0.8 goals per match. Along the way he's kept 17 clean sheets and established a record of 896 minutes (between 21st September and 6th November) without conceding a goal in competitive matches.


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High it's my first baby. Am excited and most times scared. I don't have any plan yet. I have not been able to see the sex of my baby. It's already 31 weeks. My partner don't really care about knowing the sex. We are both not sure how we will handle this little bundle of joy in our lifes. I have not purchase anything other than diaper how crazy. I don't really know how to do this.are there mums that feel this way with there first?
My baby doesn't feel real to me yet. Could preparing the nursery help?
The BabyCentre editorial team
Our panel of health writers.
If this is your first baby, it's natural to be unsure of how you'll feel as a new mum. But preparing a space for your baby can help you to prepare emotionally for the big change ahead.
It doesn't matter whether it's a room for your baby, or a corner of your bedroom. Choosing items for your baby can help you imagine what life will be like with your newborn.
Try the following: close your eyes and think about the first thing that comes to your mind that you would like to buy for your baby. It may only be a small decoration for the nursery. But once you buy it you'll see how your baby will begin to occupy a space in your home, not just in your tummy.
Nesting is the urge to get your home prepared for your new baby. It's something lots of mums-to-be experience as they get closer to their due date. It can take many forms: packing and repacking your hospital bag, cleaning your house, or putting your nursery together.
Preparing the nursery is a great activity to share with your partner to help you both get ready for your baby. You could make decisions about the colour scheme and furnishings together. When you're heavily pregnant, be sure to leave jobs like putting together the cot to your partner.
If this isn't your first baby, try to involve your other children in the preparations for the nursery. This will encourage them to look forward to the arrival of their new brother or sister, especially if they will eventually share the same room.
There are mums who feel like the last month of pregnancy is never going to end. Time passes slowly and the anxiety they feel about finally meeting their baby increases.
There is nothing like daily tasks and last-minute preparations to distract you from the waiting. Dedicate your time to putting the final touches to the nursery, or putting together your baby's layette.
If you don't have the energy or enthusiasm to decorate the nursery or a space for your baby, don't worry. There's no rush to decorate a room for your baby. It's recommended that your baby sleep in your room with you for the first six months. As long as your baby is safe, warm and comfortable, she'll be happy wherever she sleeps.
Last reviewed: January 2013
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text:
The BigAirBag models are also available to rent for a BigAirBag event or as supplements to your freestyle event. The BigAirBag crew comes a day in advance to install the BigAirBag and takes the responsibility to maintain and supervise the bag and the safety of the jumpers during the event.
You can give everyone the possibility to try new daring freestyle tricks without running the risk of having injuries.
The BigAirBag's application range is broad:
– Corporate Events (corporate events, incentives, etc)
– Sport Events (competitions, training, etc)
– Measure (sideshow, product application, etc)
– Competitions (fun-player, side show, etc)
– Training sessions (hobby sports training, professional training, etc)
– Summer Camps (bike, skate, dirt, etc)
– Winter Camps (snowboard, freestyle ski, etc)
– Freestyle Workshops (training sessions for rookies and pro's)
– Night Shows (special events, side show, etc)
– Film Projects (stuntmen safety, special movies, etc)
– Photo Shoots (stunts safety element, special movies, etc)
But not the only landing with a sports equipment is available into a BigAirBag, Also the customer-experienced, called Free Falling, is a perfect solution for customer Business with a BigAirBag. FreeFall, is called the jump from a fixed point, without any sports equipment, (jump tower, scissorlift, etc)
FULL SERVICE Package:
BigAirBag Revoluiton2 10x10x3,5m
High Performance Aircushion
(Bagsize subject to availablitity)
– 2 certified operators per day (8 hours)
– assembling and dismantling of the BigAirBag
– legal documents and certificates
– the customer disclaimer and customer care
– insurance coverage and operation protection
– test jumps and Pro jumps/ sideshow
Optional services:
– Staff requirements: We like to adapt your offering to the desired number of employees or staff!
– Branding and Bannering system: We will assist you with your design needs! A bag-branding is always possible and optionally attached!
– Jumping Point: We are happy to offer you the appropriate Jumping Point for your event with the BigAirBag Ramps for Freestyle Sessions Sports (Snow, Skate, Bike, Dirt…) and Scissors lift or scaffold tower for FreeFall sessions!
– Photo Factory: This technical facility will catch every emotion and impulse of the customers during the event on 2 high-resolution cameras at different positions and give you the opportunity, over the photo sales, to generate an additional income from it, at your BigAirBag event.
– BigAirBag Application: We also offer additional service to your portfolio, like an application for early registration before the BigAirBag event. Facebook of iPhone application available!
– Video Footage and impressions: We are happy to offer you also the possibility of our experienced camera operators and equipment, to make a perfect impression of you event and can visually convey. Video footage can be used to revise their own!
For more information contact info[at]bigairbag[dot]com


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Related to #Define
View Single Post
Go4Expert Member
So far i know you can not declare or use a "define" macro in a function like this.
But as per as scope of variable concern, here "variable" has declared as local variable, so no mater from where the value has been passed, you can not use the "varaible" out side this function. But as it is a pointer type variable, that means, if you change any value to the address to which this pointer is pointing, it will effect that int, where that int has been declared. ( ex varaible[0] = 10 it will change the original arrays[0] which u have passed to this funtion).
If all these are confusing.. sorry for that, but if u have any question dont hesitate to ask.


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« American Idol: Jennifer Lopez Not Joining Judging Panel | Home | Bachelor Pad: Gwen Gioia Won't Reveal Her Age »
Keeping Up With The Kardashians: Kim Kardashian & Justin Bieber's ELLE Photo Shoot
August 12, 2010 10:00 AM by Nancy Floyd
Despite receiving hate mail and death threats from Justin Bieber's diehard fans, Kim Kardashian posed with the teen heartthrob for an upcoming ELLE photo spread. In May, the Keeping Up With the Kardashians star was spotted by paparazzi playing in the Bahamas surf alongside Justin Bieber, but both stars remained mum on the details. Now, Kim Kardashian posts the pics from her ELLE photo shoot with Justin Bieber and explains the interesting theme of the photos…
After tweeting a pic of herself and Justin Bieber at the White House Correspondents Dinner, Kim Kardashian received hate mail and death threats from his rabid fans. The Keeping Up With the Kardashians doesn't seem to be too scared though since she recently posed for a fun and flirty photo shoot with the teen heartthrob. Kim Kardashian and Justin Bieber recently enjoyed a Bahamas photo shoot for ELLE magazine.
"Remember those paparazzi pics of me and Justin Bieber in the Bahamas!?" Kim Kardashian wrote on her personal blog. "Well, I can now reveal that we were shooting for Elle Magazine! I just received the pics from the shoot and I absolutely LOVE how they turned out!"
Kim Kardashian posted 14 photos from the shoot of her and Justin Bieber, including shots of the pair getting soaked in the ocean, flirting with a rose, and having a sexy mock photo shoot of their own. Kim Kardashian explains the inspiration for the fun and flirty photo shoot. "The theme of the shoot was 'The Graduate,' for obvious reasons, LOL," she writes.
As evidenced by the pics, Kim Kardashian and Justin Bieber enjoyed their time together. "Justin and I had such a fun time together at the shoot," Kim says. "What do you guys think of the pics?"
Want more? Follow our tweets on Twitter and "like" us on Facebook! For other great Keeping Up With the Kardashiansnews, please feel free to check out Sir Links Alot: Keeping Up With The Kardashians and then come and discuss the show on our reality TV message boards.
For more breaking news about celebrities and entertainment visit our sister site SheKnows.com!
Photo Courtesy of ELLE/Kim Kardashian
Topics: E! Reality TV Shows, Keeping Up With The Kardashians |
« American Idol: Jennifer Lopez Not Joining Judging Panel | Home | Bachelor Pad: Gwen Gioia Won't Reveal Her Age »


text: Synergy is an innovator in providing leading edge technology solutions to address complex issues facing today's global businesses. With offices in Michigan, Illinois, South Carolina, Texas and India, Synergy is a global force uniquely positioned to deliver enterprise technology solutions. Whether its web related development, business-to-business eCommerce, or front-line project management of custom applications, Synergy has the expertise to deliver on time and within budget.With a dedicated staff of technology professionals we are capable of solving the most difficult business challenges. Synergy's dedication to develop our people, refine our processes, and stay on the leading edge of technology has enabled us to achieve and sustain consistent revenue growth since 1995. By providing high quality, cost-effective services, Synergy has become one of the fastest growing technology companies in the United States.


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News: Fightertown feeds families
Story by Lance Cpl. Brendan Roethel
MARINE CORPS AIR STATION BEAUFORT, S.C.- The 6th Annual Feds Feed Families Campaign began June 18, aboard Marine Corps Air Station Beaufort.
The campaign, which runs through August, is a voluntary effort undertaken by federal employees to bring nonperishable food items to their offices for distribution to local food banks. The food is used to support food insecure households in the surrounding communities. Donation boxes are located at the Marine Corps Exchanges on MCAS Beaufort and Laurel Bay and the Station Chapel.
This year the Department of the Navy's goal is to collect one pound of food or goods per active duty service member. Last year, Fightertown service members and civilians collected and donated 559 pounds of food and other non-perishable items.
The donated goods collected on the Air Station will be brought to the Lowcountry Food Bank in Yemassee. From there the food gets distributed to 52 local agencies in Beaufort, Hampton, Jasper and Colleton counties, finding its way into the homes of Americans in need.
"The Marine Corps likes to work hand-in-hand with the local communities," said Chief Warrant Officer 2 Michael Chouinard, the Marine Corps Community Services officer for MCAS Beaufort. "The Feds Feed Families Campaign serves as a way for our Marines and sailors to support and thank those that support us. It is our way of reminding them that we are here for them."
Across America, an estimated 50 million people, or one in six Americans, struggle and face the realities of hunger every day. Since the campaign began six years ago, federal workers have donated and collected 24.1 million pounds of food and other non-perishables, such as hygiene items, to support families across America.
Connected Media
The 6th Annual Feds Feed Families Campaign began June...
This work, Fightertown feeds families, by Cpl Brendan Roethel, identified by DVIDS, is free of known copyright restrictions under U.S. copyright law.
Date Taken:06.27.2014
Date Posted:06.27.2014 13:28
Location:MARINE CORPS AIR STATION BEAUFORT, SC, US


text:
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MASTER THE ART OF WAR TO BECOME THE UNDISPUTED RULER OF MEDIEVAL JAPAN! In 2000, the Creative Assembly re-invented the strategy genre with Shogun: Total War, an unprecedented blend of 3D real-time battles and turn-based management game and the first offering in the multi-award winning series. With over 7 million units sold and universal acclaim from the press and community, Total War has consistently been at the cutting edge of the genre and is today one of the most successful PC franchises of all time.
In 2011, the makers of Rome and Empire: Total War will release the sequel to the game that started it all. Shogun 2: Total War will take long-time veterans and newcomers alike to the next level of strategy gaming on PC. Based on 10 years of experience in making Total War, Shogun 2 is the perfection of the series with a new Artificial Intelligence (AI), revolutionary multiplayer modes, brand new campaign map options and epic 3D real-time battles.
It is the middle of the 16th century in Medieval Japan. The country, once ruled by a unified government, is now split into many warring clans. The player takes on the role of one Daimyo – the clan leader – and will use military engagements, economics and diplomacy to achieve the ultimate goal: re-unite Japan under his supreme command and become the new Shogun – the undisputed ruler of Japan. Set during the golden age of Samurai warfare, Shogun 2 brings to life the most turbulent period of Japanese history.
Filter Results
Installation nearly impossible
This review is from: Sega Sega Shogun 2: Total War
Pros: I have no idea
Cons: I can't figure out how to install it! I could have hacked/pirated it 10 times over in the time it's taking me to install it from discs I purchased. Even though I have the two discs I still apparently am supposed to download something for 17 hours!
Other Thoughts: What the heck is Steam? I stick in a total war disc, I get out Steam???? I don't remember buying Steam. Software Co.'s are eediots (apparently newegg wont let me say what they really are). They don't want us stealing their stuff and yet they make it impossible to use when I buy it legally!
1 out of 1 people found this review helpful. Did you?
Can't Give it Away
This review is from: Sega Sega Shogun 2: Total War
Pros: Can't beat a free game, right?
Cons: I have no interest in this game
Other Thoughts: I find it funny that there are so many hardware products that come with this game for free. I mean, come on, it's supposed to be a class A game, right? But they're giving it away in droves? Weird.
0 out of 1 people found this review helpful. Did you?
Glitch-Ridden Mess!
This review is from: Sega Sega Shogun 2: Total War
Pros: Decent game design. If it were ever to become free of glitches it could be a great game, but considering empire STILL hasn't been fully fixed . . .
Cons: This was the Total War that was supposed to focus on multi-player, yet multi-player in unplayably glitch ridden. The first patch only half solved the problems it was supposed to, and didn't even attempt to tackle the massive multiplayer-campaign issues. The community is already dying.
Other Thoughts: Last Total War I'll ever buy. This game was so disapointing and unable to quench my Total war thirst I fired up my old copy of Rome and even had more fun! Yes, I've played to death, but at least they finished it.
Did you find this review helpful?
Good game overall
This review is from: Sega Sega Shogun 2: Total War
Pros: Not my style of game, but it was free as a promotion. Highly recommended for strategic gamers!
Cons: Basically no players online. Very hard to get into a lobby.
Did you find this review helpful?
Great Game
This review is from: Sega Sega Shogun 2: Total War
Pros: Good Graphic, Good Music and Sound (although you may get bored if you play for a long period of time). Responsive control and a lot of nice improvments over previous version.
Cons: Takes time to learn and takes a lot of time to learn accomplish almost anyting, the second misson takes more than 10 turns already...It is not a game for a casual gamer
Other Thoughts: You do not see anything happen in provinces that do not border your territory. That should be the case but that's no big deal.
Did you find this review helpful?
Excellent game
This review is from: Sega Sega Shogun 2: Total War
Pros: Fixes many of the mechanics I hated the most in previous Total War games.
Cons: Often had issues with selecting the wrong units. Also, when you click on a message about units or constructions, it just takes you to the location but does not select it.
Other Thoughts: I've been waiting for this game for nearly a decade.
Did you find this review helpful?
This review is from: Sega Sega Shogun 2: Total War
Pros: Looks like they put a lot of work into the game. Voice acting seemed pretty good on the video cut scenes.
Cons: Not my cup of tea. Went through the tutorials. A few graphical glitches here and there. Locked up on my first time exiting the game (had to end-task on it) Not a good sign. If you're a strategy fan you might like it.
Other Thoughts: 16GB download from Steam, took all weekend on my slow internet connection
0 out of 3 people found this review helpful. Did you?
10 Years in the making (and still working on it!)
This review is from: Sega Sega Shogun 2: Total War
Pros: *As always in Total War: Strategic Map, turn-based strategic play, with battles determined on tactical maps in highly detailed real time, _visceral_ Samurai style! (Good heavens.... Have you lost your head?? :) )
Cons: *DX11, AA NOT included with release, patch expected in April. Currently runs as DX9.
Other Thoughts: Since the beginning of the series ten years ago, there has been a large, extensive community that both mods and helps advance technical ideas and solutions. You can look on the Total War dot com boards for help, hints, suggestions and support as well as a number of fan-based groups' sites with a wealth of information
4 out of 4 people found this review helpful. Did you?
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The Marketing of Innovations
Course Number 1935
Professor John Gourville
Fall; Q2; 1.5 credits
14 sessions
Career Focus
This course is for students that are interested in markets or industries impacted by innovations, whether in small entrepreneurial firms and large established companies. It will principally, but not exclusively, focus on technological innovations. It explores the challenges faced by marketers, business managers, entrepreneurs, and consultants in bringing an innovative new product to the market.
Educational Objectives
Most innovative new products fail. Firms often spend great resources developing t a product only to find that consumers will not buy it. Sometimes the problem is that the innovation fails to deliver on its promises. Quite often, however, the problem lies elsewhere - either the firm has overestimated the product's market potential, underestimated the ease with which consumers will buy, or misinterpreted the needs and desires of consumers. This course will help students avoid such market failures.
This course will focus on developing insights and skills around the development, launch, and management of innovative new products. It will foster (1) an appreciation for the risks and rewards of bringing an innovative new product to market, (2) an understanding of customer psychology and its impact on the adoption and diffusion of an innovation, and (3) the marketing strategies to develop, introduce, and manage an innovative new product.
Course Content and Organization
The course will include cases taken from the fields of biotechnology, medical devices, consumer electronics, and green technologies, among others. These cases will be organized into modules that will focus on:
- What are the risks and rewards associated with launching innovative products?
- Why do firms develop the new products they develop?
- When and why do consumers fail to adopt innovative new products?
- How can you launch innovative new products to increase success?
The required project will be of the students choosing - but it can take the form of a paper, a case study, a business plan, etc. Appropriate topics might include a critical examination and assessment of why a particular innovation succeeded or failed in the marketplace, a forward-looking assessment of the potential for a new innovation or innovation platform, or an assessment of consumer behavior surrounding a particular innovation. These projects can be done individually or (preferably) in teams.
Grades for the course will consist of class participation and the final project.


text:
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If you want to change the default domain name then have a look at this thread - it's the post from bobby that you need to follow.
If you want to change the default domain name then have a look at this thread - it's the post from bobby that you need to follow.
Acompli: A new adventure for Co-Founder KevinH.
zmsetservername doesn't quite work right in 4.0.x releases. These issues were addressed in bug 10970 and are in the 4.5.x releases. You can either grab a copy from one of those releases or from svn on sourceforge.
I did a zmsetservername on 4.0.4 and it didn't work, and so then I tried Eric's steps and still all I get is "Cannot determine services - exiting" when I try to start Zimbra. This is not a new install, so I cannot simply start over from scratch... in fact this was a production mail server until about an hour ago. I guess it is still technically a production mail server, but it's down right now...
Seeing as how Eric wasn't able to really test out his steps, does anyone else have any suggestions?
$ zmlocalconfig zimbra_server_hostname
should have a server entry:
$ zmprov gs {value returned above}
That server entry should have a zimbraServiceHostname attribute that is the DNS hostname of that server.
If local config and your LDAP server entry match up you should be good. Also check that zimbraMailHost on all accounts is also legit and points to a real server.
After running Eric's 9 steps, the command
zmprov gs mail.xxxx.com (<--- value returned from zmlocalconfig zimbra_server_hostname)
error: account.no_such_server (nosuchserver:mail.xxxx.com)
also, running zmprov gas returns the old hostname
Last edited by bjquinn; 01-22-2007 at 01:25 PM.
Well actually now I've figured out how to make zmprov gs return my server name (hopefully this is a good thing).
What I did was a zmprov -l cs new.servername.com and then a zmprov -l ds old.servername.com. That didn't work, failing on some sort of ldap permissions thing and I found a post out there that suggested I run zmldappasswd, so I did. Then I was able to do the zmprov cs and ds commands.
Now, however, I'm still having the same problem. Still cannot determine services.
How do I check to see if my accounts have the right mailhost set on them, and even so, would that make the services not start??
Can I just upgrade to 4.5 in order to fix this? I'm not getting anywhere, and I really should get this email server back up soon! What should I do, just download 4.5 and run the install? Will that otherwise save all my settings, accounts, etc.?
When you do a 'zmprov cs' you do not get some of the service installed/enabled attrs that the installer adds. I just checked what's set on my server and looks like you should be able to get away with adding the zimbraServiceInstalled and zimbraServiceEnabled attributes to your newly created server.
For the record here is a list of attributes set on my server by the installer (THIS IS NOT THE OUTPUT OF zmprov gs - this is the actual server LDAP entry - zmprov will default the rest from global config).
I am not sure why our installer sets the server values for all the ports which can actually be defaulted from global config, but that's just a minor issue and in some sense it is a good thing for the installer to set "what user said at install time," instead of playing games and optimizing it to "what user changed from default at install time."Code:dn: cn=bolton.liquidsys.com,cn=servers,cn=zimbra zimbraId: 71278c3c-9537-4776-8627-d767f9c6c8c8 objectClass: zimbraServer zimbraServiceHostname: bolton.liquidsys.com cn: bolton.liquidsys.com zimbraSpellCheckURL: http://bolton.liquidsys.com:7780/aspell.php zimbraImapSSLBindPort: 993 zimbraPop3SSLBindPort: 995 zimbraPop3BindPort: 110 zimbraImapBindPort: 143 zimbraPop3SSLProxyBindPort: 995 zimbraImapProxyBindPort: 143 zimbraPop3ProxyBindPort: 110 zimbraImapSSLProxyBindPort: 993 zimbraMailPort: 80 zimbraMailSSLPort: 443 zimbraMtaAuthURL: http://bolton.liquidsys.com/service/soap/ zimbraMtaAuthHost: bolton.liquidsys.com zimbraSmtpHostname: bolton.liquidsys.com zimbraServiceInstalled: antivirus zimbraServiceInstalled: antispam zimbraServiceInstalled: logger zimbraServiceInstalled: imapproxy zimbraServiceInstalled: mailbox zimbraServiceInstalled: mta zimbraServiceInstalled: snmp zimbraServiceInstalled: ldap zimbraServiceInstalled: spell zimbraServiceEnabled: antivirus zimbraServiceEnabled: antispam zimbraServiceEnabled: logger zimbraServiceEnabled: mailbox zimbraServiceEnabled: mta zimbraServiceEnabled: snmp zimbraServiceEnabled: ldap zimbraServiceEnabled: spell zimbraSshPublicKey: [deleted - you can get this via zmupdateauthkeys] zimbraMailMode: http
For the record here is the command I ran to see what's on my LDAP server entry:
Code:/opt/zimbra/openldap/bin/ldapsearch -H "`zmlocalconfig -m nokey ldap_master_url`" -w "`zmlocalconfig -m nokey -s ldap_root_password`" -D "`zmlocalconfig -m nokey zimbra_ldap_userdn`" -x -LLL '(cn=bolton.liquidsys.com)'


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Take a few moments to flip through your local TV news channels this evening and you will surely notice that all the weather forecasts are remarkably similar. It is extraordinarily rare to see one meteorologist forecast hot and humid weather while another urges you to dust off your snow boots for the same zip code. Yet tomorrow morning at the watercooler, you can expect to hear how wrong the local weather forecasters always are, with one channel predicting a high of 52°F and mostly sunny conditions and another predicting a high of 53°F and only partly sunny conditions! Yes, you knew what jacket to wear, but that's beside the point. If only those pesky weather forecasters could get their stories straight!
Now imagine if we turned the same scrutiny on today's stock market prognosticators. Flipping through the business channels, you'd see forecasters earnestly professing that the sky is falling. Yet tomorrow they may be predicting that the market is going to the moon. Just yesterday they proclaimed that the market was a historic buy, but today forecasters are counseling investors to change course and run for the exits.
We treat these financial prophets with great respect, as if they were hard at work in their corner offices, splitting the proverbial atom. The reality, unfortunately, is much murkier.
In this age of "big data," it is statistically possible to prove just about any hypothesis; as with anything, the frame of reference is key. If I want to say that stocks are overvalued today, I can look at the Shiller CAPE metric (the cyclically adjusted price/earnings ratio), which divides today's price by the last ten years of earnings, and show that an investor is paying more per dollar of earnings than in all but 15% of the ten-year periods going back to 1881. Likewise, I could look at the trailing 12-month P/E ratio starting in 1995 and show that stocks are at all-time low valuations, as a result, of course, of the technology bubble in the late 1990s. How do you know which number is more accurate? Or whether either is even relevant in today's environment?
The Vanguard white paper Forecasting stock returns: What signals matter, and what do they say now? (Davis, Aliaga-Díaz, and Thomas, 2012) does a great job of framing the importance and shortcomings of various methods of forecasting. Most important, the authors conclude that stock returns are essentially unpredictable at short horizons and that many commonly used metrics—such as dividend yields, economic growth, and the so-called "Fed model"—turn out to be very poor predictors of future returns.
The P/E ratio, on the other hand, has proved to show the most promise, which is why analysts make such a big deal over what today's valuations tell us. However, even with the P/E metric, the "noise" often overwhelms an assumed relationship. For example, the S&P 500 Index's 12-month P/E ratio of 16.25 would place U.S. stocks at just under the long-term average (since 1926) of 16.72. Does this mean that we should therefore expect average stock returns over the coming years? Historically speaking, a P/E ratio at this level has led to a very wide range of outcomes, with real returns ranging from 0% to 15% over the following decade. And the Vanguard paper makes it clear that, when at an "average" level, the forecasting power of the P/E ratio erodes dramatically. In one sense, the returns investors receive over the ensuing years will likely be driven, first, by "animal spirits," leading to P/E expansion or contraction, and, second, by the fundamentals of the stocks that make up the index.
Understanding the forecasting power and shortcomings of the P/E ratio is even more important when looking at comparisons between different countries and indexes. Many of today's popular indexes are fairly new, making historical comparisons difficult.
For example, P/E data for the MSCI Emerging Markets Index is available starting in 1995, yet many forecasters compare the historical average of this index with data for the S&P 500 Index, which has been around in some form for almost 100 years. Using this logic, it is easy to say that the Emerging Markets Index's P/E of 12.50 is "cheaper" than the S&P 500's P/E of 16.25. However, when looking at a common start date of 1995, both indexes are valued in the lowest 20% of observations. The case could be made that the S&P 500 is actually much cheaper based on the fact that it is trading at a nearly 60% discount to its average P/E over the shorter period (1995–2012), whereas the Emerging Markets Index is trading at only a 20% discount. But we showed earlier that, on a longer-term basis (1926–2012), the S&P 500's P/E looks average.
So what, if anything, can or should we say about stock markets over shorter time periods? And what does this all mean?
First, maybe we should be a little more forgiving of our weather forecasters who, after all, usually don't send us out of the house in shorts during a blizzard. Perhaps we should save a little skepticism for our investment forecasters instead.
Second, most investors are better served by tuning out the noise and maintaining a balanced, diversified portfolio because, at the end of the day, we just do not know what the future will hold.
Charley Ellis, investing pioneer and former Vanguard board member, said it best: "Like the weather, the average long-term experience in investing is never surprising, but the short-term experience is constantly surprising" (Winning the loser's game: Timeless strategies for successful investing. New York: McGraw Hill, 2010. p. 68). Words to invest by.
I would like to thank my colleagues Michael DiJoseph and Chris Philips for their contributions to this blog post.
- All investing is subject to risk, including possible loss of principal.
- Diversification does not ensure a profit or protect against a loss.


text:
A creamy twist on the classic Earl Grey, with a rich hint of vanilla bean. Lovers of Earl Grey adore this creamy alternative to the original blend. You'll recognize the same high-quality black tea, the same citrus burst of bergamot oil, the same beautiful grey-blue petals. However this version adds a touch of vanilla, and the result is an unexpectedly rich, creamy taste experience. (MK Kosher).
Organic: Black tea, cornflowers, marigolds. With natural flavouring.


text:
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How to Build a Wire Mesh Compost Bin
Building a wire mesh bin is easy and inexpensive. It aides in creating humus from biodegradable material such as grains, fruits and vegetables, and other plant matter. This humus contains nutrients that are essential for plant growth and therefore can be a valuable addition to soil and other planting media.
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1Fold 3 to 4 inches (7.6 to 10.2 cm) of wire at each end of the cut piece to provide a strong, clean edge that will not poke or snag and will be easy to latch.
2Stand the wire in a circle and set it in place for the compost pile.
3Cut the heavy wire into lengths for ties. Using pliers, attach the ends of the chicken wire together with the wire ties.
4Space wooden or metal posts around the inside of the chicken wire circle. Holding the posts tightly against the wire, pound them firmly into the ground to provide support.
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- Periodically turn your compost with a pitchfork to aerate and freshen.
- Add wastes as they become available.
- Make your own Bokashi powder to quicken decomposition and remove smell![1]
- Different types of Wire Mesh Compost Bins
Things You'll Need
- 12 1⁄2 feet (3.8 m) of 36-inch-wide 1-inch mesh (or smaller) galvanized chicken wire
- Heavy wire (for tying)
- 3 or 4 wooden or metal posts (4 feet tall)
- Heavy-duty wire snips
- Pliers
- Hammer
- Work gloves
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SCOTUSBlog's Lyle Denniston comments on President Ford's impact on the Supreme Court.
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Whiskey Fire on the Althouse-Goldberg exchange.
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Officers Against Haynes
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These delicious skewers are just the thing for easy outdoor entertaining. Simply marinate your skewers ahead of time and transport to a beach, park or a friend's backyard barbecue. Try these succulent, maple and mint lamb which double as a tasty portable feast - no cutlery required.
Makes 12
1 cup maple syrup
3/4 cup white wine vinegar
1/4 cup olive oil
2 cloves garlic, crushed
1 cup mint leaves, chopped
1 cup flat-leaf parsley leaves, chopped
800g lamb shoulder, thinly sliced
12 large sprigs rosemary, half the leaves removed
Lemon wedges, to serve
1 Place the maple syrup, vinegar, olive oil, garlic, mint and parsley in a non-metallic bowl and mix until well combined. Add the lamb and mix well to coat.
2 Place in the refrigerator for 1 hour to marinate.
3 Thread the lamb on the rosemary skewers.
4 Preheat a chargrill pan or barbecue over high heat.
5 Add the skewers and cook for 3 minutes each side for medium-rare or until cooked to your liking. Serve with the lemon wedges.
* For more recipes by Donna Hay click here.


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How agile is your marketing? Do you have layer upon layer of approval processes, committees, lawyers, and executives who need to sign off on every piece of external communication before it goes out?
If yes, your business is structured for a pre-Internet world, and unfortunately this means you will always be at a disadvantage compared to agile competitors designed to take advantage of a connected society. An inescapable truth is the web rewards companies (and people) that are nimble.
People interact deepest with thoughts and ideas that have character and personality. And if there is one thing that removes this, it is the superfluous layers that design by committee creates. It rips the personality from content piece by piece as it passes though each filter, and is the antithesis of agility and what makes for compelling communications.


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Gavin Chappell supply chain director at Asda believes that "Packaging has a huge role to play in the prevention of waste".
The way that corrugated packaging functions plays a crucial role throughout the supply chain. It ensures that products are protected throughout their journey from factory or farm to the supermarket and onwards to your home.


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|Goodbye Mad Jack
|Mad Jack - Survive the fights against Mad Jack
After talking to Mad Jack the first time, take out ARI and push . You'll see a blood trail that goes into the acid bath to Jayden's left. Take a look inside and Jack will hit you starting the first part of the fight. When you have the gun on him, select Impress as soon as you see it. When Jayden's nose starts to bleed, don't press . If you push the indicated button, you won't get this trophy. It says "fights", not "fight". This will trigger a new scene where Jayden is trapped. Go for the glove box to get the gun. Follow the QTE's to escape and in the second part of the fight.
|Rate this trophy
|Average Rating
|You need to register before being able to post comments.
Quantic Dream
Sony Computer Entertainment
February 23, 2010
February 24, 2010
|Resolution: 480p, 720p
|Sound: Dolby 5.1
|Players: 1
|ESRB: Mature
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User Score is based on 1631 user ratings.


text:
Kent Doetker - February 15, 2013
Kent Eugene Doetker departed this life Friday, Feb. 15, 2013, at Sunrise Heights in Wauneta, Neb. He was born on Aug. 7, 1942, in Imperial, Neb. to Albert and Velma (Fortkamp) Doetker.
Kent grew up on the family farm southeast of Wauneta.
He attended Eden Grade School and graduated from Wauneta High School in 1960.
Kent was united in marriage to Loralie 'Susie' Mathews on June 21, 1964, at the United Methodist Church in Imperial, Neb. They made their home on the South Divide, southwest of Wauneta. Two sons, Jed and Kelly, were blessed to this union.
On March 29, 1966, Kent was drafted into the U.S. Marine Corps. He was a tank crewman in the Vietnam War and was honorably discharged as a Corporal (E-4) Marine on March 28, 1972. Kent enjoyed staying in contact with other fellow Marines.
He was a member of the American Legion and served on the Board of Directors. He was a member of the Wauneta Jaycees and received the outstanding officer award in 1965. In 1977, Kent was presented with the Imperial Jaycees Outstanding Young farmer/rancher award.
Kent was a member of the Honor Guard and organized the names of people, who were in the military, for the Veterans' Memorial that is in the Mount Hope Cemetery.
Kent enjoyed his life as a rancher and farmer. He loved the beauty of the ranch, located south of Wauneta, and took pride in his cattle, horses and the daily maintenance of the ranch.
His pride and joy were his grandchildren. He was a devoted husband, father, father-in-law and grandfather.
Kent was preceded in death by his parents, Albert and Velma Doetker; wife, Loralie 'Susie' Doetker; father-in-law, William Mathews and mother-in-law, Edna (Bremer) Mathews; sister-in-law, Lavon (Mathews) Pilchuck; brother-in-law, Bill Pilchuck; and nephew, Matt Pilchuck.
Survivors include son, Jed and wife, DeAnn; son, Kelly and wife, Dawn; grandchildren: Jordyn, Caid, Coleton, McKenna and Kenton Doetker; brother, Loren and wife, Karen, all of Wauneta; brother-in-law, Boyd Mathews and wife, Joan, of Imperial; brother-in-law, Byrell Mathews and wife, Gloria, of Texas; brother-in-law, Gary Mathews and wife, Joy, of Texas; and many special nieces, nephews and close friends.
Memorial services will be held at 10:30 a.m. (MT), Saturday, Feb. 23, 2013, at the United Methodist Church of Wauneta with Pastor Bonnie McCord officiating.
Inurnment will follow at Riverside Cemetery, Wauneta, Neb., with military honors provided by the American Legion Post #304, Wauneta.
There will be no visitation, Kent chose to be cremated.
The family asks that in lieu of flowers, memorial contributions be made to the United Methodist Church of Wauneta, Neb., in Kent's name.
Online condolences can be left at liewerfuneralhome.com
Liewer Funeral Home of Wauneta is in charge of arrangements.