text:
With lingering economic uncertainty and rumblings about the future of Social Security, many Americans feel a continuing unease about their prospects for a secure retirement.
This sentiment was aptly captured by ING U.S.'s Retirement Revealed study, in which nearly half (48 percent) of respondents — representing more than 4,000 adults ages 25 to 69 with full-time jobs — indicated they did not feel prepared for retirement.
Of course, it's possible that these respondents were merely articulating an accurate assessment of their retirement preparation. After all, in its 2013 Retirement Confidence Study, the Employee Benefit Research Institute learned that 57 percent of workers in the United States have less than $25,000 in savings and investments (excluding home values). One can hardly feel confident with a retirement nest egg that is on par with the sticker price of a new car.
Yet, astute financial advisors should be just as worried about the half of Americans who say they are confident about their pathway to retirement security. Clients who fall in this category may indeed have their acts together, with a clear-eyed plan for the future and a solid track record of saving. But do these clients really understand how vulnerable their retirement plans are to the perils of life?
The fact is that a range of risks — from serious illness, to premature death, to job loss to other financial constraints — can arise at any time and from any angle. These risks can deliver serious setbacks to a retirement savings strategy or drain away assets in ways that make it difficult to recover.
To help protect your clients' retirement momentum, here are four tactics that can keep these unpredictable life risks at bay, both before and during retirement.
Tactic #1: Tapping group life at the workplace.
Workplace retirement savings will be exposed in two significant ways if your client dies prematurely. First, and most obviously, surviving family members may need to liquidate or take large loans from the account to overcome the loss of income, weakening the ability to pursue long-term investment gains. The second exposure is the loss of potential future contributions, which might have totaled hundreds of thousands of dollars.
Group life insurance is an inexpensive but powerful shield against these two forces. By delivering a tax-advantaged lump sum to the surviving family, the death benefit can help to ease short-term financial pressures and keep a 401(k) or IRA balance intact.
Often, the employer provides a death benefit equivalent to the deceased's annual salary at no cost. While this amount of coverage is generally not enough, it does provide a base amount. What's more, step-ups to higher amounts of coverage are usually very affordable and often require no underwriting.
This tactic is an easy one. Remind your clients to sign up for group life insurance at their company's annual enrollment time.
Tactic #2: Cushioning medical costs with voluntary benefits.
Premature death is just one of the perils that might put a client's retirement savings at risk. Serious illnesses or accidents can generate significant expenses for an individual, even if there is a decent medical insurance plan in place. Too often, families do not have ready cash flow to deal with extensive out-of-pocket medical expenses or to weather the elimination period before disability payments kick in. Point in fact: the 2011 National Bureau of Economic Research Financially Fragile Households report found that nearly half of Americans are not able to access $2,000 easily for an unexpected expense.
In cases like these, the client may be under intense pressure to take out a 401(k) loan, which will diminish the account's compounding potential and may, if not paid back, permanently dial back retirement savings.
To guard against this risk, your clients may be able to buy accident, critical illness, hospital indemnity or disability coverage through payroll deductions at an affordable price. When reminding your clients about these insurance coverage options, be sure they realize policy payouts typically are unrestricted and can be used for anything — car payments, mortgage, food, etc. — and not merely for medical expenses.
Tactic #3: Building retirement funds through individual life insurance.
The first two approaches — group life and voluntary benefits — give clients fast, usually tax-free money that can protect the flanks of their vital retirement savings, what ING U.S. refers to as their "orange money." With that employer-enabled insurance coverage in place, advisors can begin the conversation about individual life policies and how they both protect and offer increased flexibility to the client's retirement.
Don't be surprised if your client doesn't place life insurance and retirement security in the same mental bucket. The 2012 ING U.S. Insurance Revealed study found people were most familiar with life insurance's protection benefits (the death benefit), placing the greatest value on such uses as replacing lost income (26 percent) and paying off debt (23 percent). Yet, not many respondents highlighted the value of life insurance in protecting retirement savings (4 percent) or building wealth (1 percent).
While employer-sponsored retirement plans and IRAs are the primary mechanisms for retirement savings, clients may be maxed out in their plans or desire the added protection of a death benefit. Through a cash value life insurance policy, such as indexed universal life insurance, a client can build cash value that may provide financial flexibility later in life.
Few careers these days end after a 30-year tenure and with a gold watch. If a client is surprised by a job loss a few years before retirement age or simply wants to leave full-time work before Social Security age, the policy's cash value can help protect his or her options. Make sure your clients understand this extra measure of security — and its direct impact on their retirement vision.
Tactic #4: Creating a steady lifetime retirement income with annuities.
By the time a client reaches retirement age, it might seem that the need for insurance — or any type of protection — has come to an end. But, clearly, this is not the case. Clients often make withdrawals from retirement accounts to create their income stream in retirement, yet they may be concerned about the endurance of those savings. Will their savings last an entire lifetime? After all, a lifespan that is five or 10 years longer than expected or higher-than-anticipated medical costs in later years can greatly accelerate the depletion of retirement accounts.
To offset this risk, many advisors are turning to fixed annuities specifically designed to provide a certain amount of annual guaranteed income, usually with upside potential based on interest rates or some other mechanism. This insurance contract, in effect, protects the client's lifestyle and eases concerns that market forces or life events will prematurely deplete retirement account values and the income those values might have generated.
Advisors can do their clients a service by explaining the potential role of annuity income as a guard against such unpleasant financial surprises in retirement.
Covered at every angle
These four insurance approaches — group life, voluntary benefits, individual life and annuities — are well-known protection strategies within the financial services industry. Yet, many advisors could do more to educate their clients on the power of these strategies as a means to protect retirement momentum.
By explaining the role of these four tactics to your clients, you will be delivering a more holistic brand of retirement advice — one that acknowledges and addresses the risks that hover on the periphery of any retirement vision. Your clients will appreciate the education and your efforts to keep their retirements on track and fortified against life's uncertainties.
– Check out these related stories at ThinkAdvisor:


text:
This is not an offer for credit and should be used for estimation purposes only based on the information you provided. You should not base your decision on this estimate alone. Title, registration, tax and other fees, and personal circumstances such as employment status and personal credit history, were not considered in the calculations.
The road-loving Tiger 800 XR is a no-nonsense bike that's perfect for touring the world's highways, with superb off the beaten track handling.
The XR is a ride with a smooth delivery and confidence-inducing capability. The more responsive Triumph 800 Triple engine and the lighter, improved exhaust system are just two of the many features, innovations and modifications that have been designed into the latest generation of the XR model.
19-inch aluminum cast front wheel and Metzeler Tourance tires work in harmony with the adjustable suspension of the XR for a smooth and comfortable road ride. You'll benefit from the new shorter ratio first gear, giving you more low-speed traction and instant responsiveness right when you need it most. All this is in addition to category-defining core technologies including ride-by-wire throttle and switchable ABS and traction control.
The new Tiger 800 XR sets the bar for all-road, all-day comfort.
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Rear - Showa monoshock with hydraulically adjustable preload, 6.7 in. (170 mm)travel
Crystal White
Jet Black
Category: Motorcycles

subset: commoncrawl


text:
Whatever happened to Social Security?
As the Democrats prepare to convene this week in Denver, and the Republicans gear up for their get-together in St. Paul, Minn., starting Sept. 1, precious little has been said about an issue that touches virtually every American family and, for a brief spell a few years ago, dominated the political agenda.
West Los Angeles resident Marilyn Taylor, 78, is typical of many seniors in relying on Social Security for a significant portion of her income. She told me she received about $1,100 a month from Uncle Sam, which covered about a third of her expenses.
These days, Taylor wonders whether she'll keep receiving her full Social Security payments. And she wonders why neither Barack Obama nor John McCain is focusing on how to shore up a program that's projected to start paying out more than it takes in by 2017 and deplete its trust fund by 2041.
"I don't think either one of them is paying as much attention to this as it deserves," Taylor said.
And it deserves plenty, especially in light of the fact that the first wave of 78 million baby boomers will start retiring next year, placing unprecedented strain on entitlement programs such as Social Security and Medicare.
John Rother, executive vice president for policy and strategy at AARP, said he's sympathetic to Obama's and McCain's desire to steer clear of controversial topics before the election. "It's unrealistic to expect a presidential candidate to lay out the sacrifices -- and they will be sacrifices -- needed to rescue Social Security," he said.
At the same time, Rother acknowledged that the longer our political leaders dither in coming up with a workable solution to the program's funding woes, "the harder this will be to fix."
President Bush took a shot at Social Security reform in 2005, laying out a plan to shift at least a portion of the program's funds to private investment accounts. If nothing else, the proposal got people to talk about Social Security after years of looking the other way.
It ended up as political roadkill, though, once people realized that diverting payroll taxes to private accounts would make the shortfall worse, requiring the government to go deeper into debt.
Also, a lot of folks simply didn't like the idea of reinventing one of the most popular government programs in U.S. history, not to mention investing their retirement savings in the stock market.
So we're back where we started. The first issue to address is ensuring that Social Security's trust fund will be there when we need it. The money was long ago spent by the federal government, which left a pile of IOUs in Social Security's coffers.
Once the trust fund is used up in three decades, the program would require a substantial infusion of cash to pay benefits. In June, the Government Accountability Office estimated that Social Security will come up about $7 trillion short over the next 75 years.
As if that doesn't sound scary enough, the shortfall soars to $41 trillion if Medicare is stirred into the mix.
"Addressing these problems will require tough choices," the GAO concluded, "and the fiscal clock is ticking."
Of the two candidates, only Obama has laid a proposal on the table to address Social Security's troubles, although his solution would get us only part of the way to solvency.
In June, Obama called for a Social Security payroll tax of up to 4% on incomes topping $250,000 a year. This would apply to about 3% of taxpayers.
The Social Security tax is currently levied on the first $102,000 of a worker's earnings. Employees pay a 6.2% payroll tax and their employers match that amount, making for a total 12.4% tax.
Obama defended his proposal by saying it was unfair for most people to pay the tax "on every dime they make," while the well-to-do pay "only a very small percentage of their income."
However, he would wait a decade before imposing the higher tax, ostensibly so that the tax would coincide with the point at which Social Security actually starts needing the money. As luck would have it, President Obama would be former President Obama by the time the levy hits home.
It's unclear how much money Obama's extra tax would bring in, but AARP's Rother said it wouldn't erase the shortfall. Additional revenue or benefit cuts would be required.
For his part, McCain has embraced Bush's proposal for private accounts, but he's also said that additional steps must be taken to maintain Social Security's solvency. What those steps may be he hasn't made clear, although McCain has stated that "everything has to be on the table."
Everything, that is, except higher taxes.
"I am opposed to raising taxes on Social Security," McCain said last month. "I want to fix the system without raising taxes."
So that apparently leaves cutting benefits, such as raising the retirement age or reducing monthly payouts. But McCain has resisted going out on that particular limb, so what exactly he has in mind remains a mystery.
Basically, there are only three things that can be done: raise taxes, cut benefits or both.
Most experts say it's the latter course -- raising taxes and cutting benefits -- that represents the most equitable solution to the problem. Obviously this is a path no politician wants to walk down.
But there's no choice, not if we want Social Security to meet the needs not just of the baby boomers who will soon be cashing their checks but also the generations to follow. If we wait for the problem to reach crisis proportions before acting, the steps we'll have to take will be all the more painful.
Fixing Social Security is the easy part. Salvaging Medicare and the rest of the healthcare system will be the real trick.
It's time we got started.
Consumer Confidential runs Wednesdays and Sundays. Send your tips or feedback to firstname.lastname@example.com.


text:
Miner Profile of: BigJaker
- Time Waster (Current Level: 0)
Awarded for getting a certain amount of unmineable jobs.
Next Level Progress: 13 / 25
- Manual Mining PTSD (Current Level: 0)
Awarded for beeing active in the manual mining days.
Next Level Progress: not awarded
- Active Miner (Current Level: 0)
Awarded for mining atleast 50 movables each month. (Resets when 50 movables not reached)
Next Level Progress: 0 Months / 1 Months
- Strong Armed (Current Level: 2)
Awarded for mining a certain amount of movables.
Next Level Progress: 238 / 500
- Mining Streak (Current Level: 2)
Awarded for a certain highscore of continuously mined hours.
Next Level Progress: 16h 57m / 24h 0m


text:
Aspen/PitkinCounty Airport Director to Move On
August 4, 2014
Long-timeAspen/Pitkin County Airport Director Jim Elwood has announced his resignation to take a job as Airport Director at Jackson Hole Airport (JAC) in Jackson Hole, Wyoming. Elwood plans to remain in his current position through the end of August.
"I am proud of what we've accomplished at the airport over the past 13 years," Elwood said. "I am confident that the strong team of professional airport staff that we've developed over the years will successfully work through the challenges that lay ahead."
While Elwood's resignation comes at a critical time of future planning for the entire airport operation, his departure will not impact the progress of Phase III of the Future Air Service Study now underway. During the national search for Elwood's replacement, current Assistant Directors of Aviation Administration and Operations, Brian Grefe, and Dustin Havel, will report to County Manager Jon Peacock as they temporarily step into the Airport Director's role.
"His are big shoes to fill but Pitkin County is committed to working with our community partners in securing strategic air service options in the changing air carrier environment," Peacock said. "It will be tough finding someone with the passion and dedication for our airport that Jim has exemplified during his time with Pitkin County. His work at the local, state and national level on behalf of our airport has helped us accomplish much and will endure as we forge ahead with plans to ensure our airport's success into the future," Peacock said.
The highlights of his tenure in Pitkin County include: the adoption in 2004 of the first Airport Master plan in 20 years, and resolving runway extension issues here. Other highlights include serving as Chair of the American Association of Airport Executives (AAAE) during which he testified about small airport issues before a congress in Washington, D.C. Elwood is a career airport professional having worked as an executive in airports for the past 22 years. Prior to coming to Aspen he was Director of the Eagle County Regional Airport in Eagle, Colorado. Elwood is also one of 500 professionally accredited airport executives in the country. He also has a bachelor's degree in Aviation Management with a minor in business.
"While this is an important career move for me and not far from my roots in the aviation industry, I want to sincerely thank the community for its support, interest, and involvement in the airport over the years as we strived to be the airport the community wanted us to be," Elwood said.
source: http://www.aspenpitkin.com/Whats-New-/Press-Releases/newsid378/654/


text:
Infobox last updated on: January 29, 2008.
Sébastien René Grosjean (pronounced ) (born May 29, 1978, Marseille, France) is a professional tennis player from France. His career-high ATP Entry ranking is No. 4 (achieved on October 28, 2002).
Grosjean joined the professional tour in 1996. In 2003 and 2004 he reached the final of the Queen's London Tournament. In the same two years, he also reached the semi-finals of Wimbledon. He finished 2001 as the No. 1 player from his country and for the first time in the top 10 becoming the first Frenchman to finish a year in the top 10 since Cédric Pioline in 1993. In 2001, Grosjean won the Davis Cup with the French team.


text: Seller: empiredanny (11,491) 100%, Location: Cordova, Tennessee, Ships to: Worldwide, Item: 331034594457 18th-19th Century Ancient Old Bronze Cross U3-4 This artifact is GUARANTEED to be AUTHENTIC artifact dated from 100 to 200 years old or older. I offer a "no questions asked" 60 day return policy. Please visit my store where you will find THOUSANDS of auction listings of Ancient Roman, Greek and Byzantine Coins and Ancient Roman and Medieval Artifacts. There is also a Viking section there also if you specifically collect Viking Artifacts or just want to check these out. You can see all these items by clicking on your category of interest in the list on the left side of your screen! You can see the details better by supersizing the images. If you have any questions, please do not hesitate to ask. Are your artifacts properly preserved? I sell a product called Renaissance Wax in my store that was developed by the British Museum for the proper long term preservation of virtually all artifacts. You can read all about it by clicking on the "Cleaning Supplies" category in my store (on the left side of your computer screen towards the top). Need some help identifying your artifacts? When I first started out, I wanted to buy some books to read but I did not know what books to buy. I now have a huge library of so-so books. I have 3 or 4 books that I continue to utilize on an almost daily basis. These books are available in my store. They are invaluable as a resource to help attribute your items. Thanks for looking at my auction!! I accept Paypal. If you are having trouble paying, please send me a message and I will send you a correct invoice. Individual item shipping costs are listed below the last photo in this auction ad. Be sure to contact me if there is a question. If you are the winning bidder, payment must be made within 10 days.Please contact me if you have a problem with your purchase and I will do my best to insure your satisfaction. Please see my feedback to check my prior performance and to see what other buyers have said about my auctions. Customer service is of utmost importance to me. I attempt to describe every item with as much detail and as accurately as possible. I try to take photos of every item so you can see what you are buying. 100% Satisfaction Guaranteed!!! I will refund your full purchase price if I am contacted within 60 days from date on postage for return authorization. Return shipping is the responsibility of buyer, shipping confirmation recommended. Item must be returned in the exact condition as received. Material: Bronze, Original/Reproduction: Orginal


text:
Product Details:
Payment & Shipping Terms:
|Product Name:
|13 Pin Din Aviation Backup Camera Cable
|Black , Blue , Red , Green, Yellow Or Customized
|Insulated Material:
|Cable OD:
|Working Length:
|1m - 5m Or Customized
|Working Temperature:
|Cable Length:
|Vehicle Power Or Signal Transmission
13 Pin Din Aviation Backup Camera Cable For Car Security Systems
1. Specification :
|Product Name
|13 Pin Din Aviation Backup Camera Cable
|13pin/pole Connector
|Working Voltage
|Cable OD
|Sample time
|Within 3 working days
|Jacket Material
|Flexing test
|5000 times on 250g
|5 years
Backup cameras are a nearly universal option on new cars and will likely be mandated for all cars by 2014. And for good reason : The compact cameras provide a view of what's behind the car, reducing the chance of backing over a bicycle or, worse, the kid riding it. Plus, the device greatly eases parallel parking.
Backup cameras are a fantastic safety feature in any vehicle, they counter blind spots and eliminate backup collisions make reversing safe for you and those around you.
Here you can find the cable for your back up camera.
How long will it take to prepare a sample and finish mass production?
Sample takes about 2 working days while batch production round 10 days(depends on the specific orders)
Are you a trading company or Factory?
We are factory.
How to guarantee the signal transmission stability, HD, Anti-interference?
All cable conductor and shielding are made of bare copper, then screened by copper wire and AL foil against the interference from other vehicle electronic signal to guarantee sable HD signal transmission.
How to control the quality?
1.Each product must be tested strictly to insure none of problem cables delivered to customer.
2.The cable jacket is produced in strict accordance with ISO6722-2006 standard, which is up to automobile security usage standard in oil resistant, UV, low temperature, flexing testing.
3.All raw materials meet the REACH, ROHS environmental protection requirement.
Contact Person: Becky
Tel: +8613925771988


text:
Maura McEvoy
- Yield
- Makes 16 servings (about 20 cups)
- Active Time
- 50 min
- Total Time
- 2 1/4 hr
- For toasts
- 15 slices firm white sandwich bread
- 1/2 stick (1/4 cup) unsalted butter, softened
- For soup
- 12 lb butternut squash, halved lengthwise and seeded
- 1 1/2 tablespoons chopped fresh jalapeño chile, including seeds
- 1 teaspoon ground cumin
- 7 cups chicken broth or water
- 5 cups water plus additional for thinning
- 1 tablespoon fresh lemon juice, or to taste
- Accompaniment: pumpkin seed pesto
- Preheat oven to 400°F.
- Make toasts:
- Trim and discard crusts from bread. Spread 1 side of each slice evenly with butter and season with salt and pepper. Halve slices diagonally to form triangles and arrange, buttered sides up, on a baking sheet. Toast bread, turning once, in middle of oven until golden brown, about 4 minutes. Transfer toasts to a rack to cool.
- Make soup:
- Put squash, cut sides down, in 2 greased shallow baking pans and roast in upper and lower thirds of oven, switching position of pans halfway through roasting, until very tender, about 1 1/4 hours. Cool and scoop out flesh.
- Purée squash in batches in a blender with jalapeño, cumin, and broth until very smooth (add additional water as needed to facilitate puréeing).Transfer to a 6- to 8-quart heavy pot and stir in 5 cups water. Simmer, stirring, 10 minutes, then stir in lemon juice, enough water to thin to desired consistency, and salt and pepper to taste.
- Serve soup in bowls topped with slices of toast spread with pesto.
Cooks' notes:
• Toasts may be made 2 days ahead, cooled completely, and kept between layers of paper towels or wax paper in an airtight container at room temperature. • Squash purée may be made 2 days ahead. Cool completely, then chill, covered.
Related Video
Nutritional Info
- Calories290
- Carbohydrates57 g(19%)
- Fat5 g(8%)
- Protein9 g(18%)
- Saturated Fat2 g(12%)
- Sodium305 mg(13%)
- Polyunsaturated Fat1 g
- Fiber8 g(32%)
- Monounsaturated Fat2 g
- Cholesterol11 mg(4%)


text:
Reservoir In Hepburn Smoke
Available in 6 additional colours
Men's Jacket | Extra Fine Merino Wool | Hood | Standard Fit|
Simple but effective, John Smedley's range of loungewear offers a sleek silhouette with maximum comfort thanks to luxurious fibres and fine gauge knits. Shop loungewear below.
Available in 6 additional colours
Men's Jacket | Extra Fine Merino Wool | Hood | Standard Fit|
The working day is done and it's time to relax. There's no better feeling than loosening your tie at the end of the day and swapping your suit for loungewear.
Start your off-duty ensemble with a pair of finely knit jogging bottoms in either John Smedley's extra-fine merino wool or, for a little extra luxury, a cashmere and silk blend. Our merino Lock sports trousers are incredibly cosy and phenomenally soft to the touch. The style feature a waist tie, ribbed cuffs, and side pockets for a comfortable fit and a polished finish.
The next step to total relaxation is to pair your bottoms with one of our co-ordinating tops. Our signature unisex Singular range includes long-sleeve tops and t-shirts which pair perfectly with our sports trousers. For the final touch, layer over one of our men's loungewear jackets. Whether you prefer a zip-through style, hoody, or pullover, John Smedley has a style to suit your needs. All that's left to do is add a pair of cosy socks and your off-duty look is complete.
John Smedley design, create and produce their men's loungewear right here in Britain. Their factory in Lea Mills, Derbyshire, has been producing the world's finest knitwear for over 230 years. All our garments are hand-finished and rigorously tested before making their way to your wardrobe. So, when you buy John Smedley, you're buying the best.
Relax in style with John Smedley's range of men's loungewear. Shop today.


text:
Roger Jackson was appointed interim president of Alpine Canada on Monday.
A 1964 Olympic gold medallist in pairs rowing, Jackson has more than three decades of high-performance sports administration experience. He was the founding CEO of the Own the Podium program between 2005-2010, which helped Canada win a national-record 14 gold medals at the Vancouver 2010 Winter Olympics.
Jackson takes the reins of Alpine Canada, the national governing body for alpine, para-alpine and ski cross racing, from Max Gartner, who resigned in June.
"I'm pleased to assist Alpine Canada during this time of transition," Jackson said in a release after agreeing to serve on a temporary basis.
He is not a candidate for the permanent position.
"My goal is to provide interim leadership to the organization from this point until the new chief executive is in place," said Jackson. "We will support the athletes, coaches and staff and help them build momentum going into the Olympic and Paralympic Winter Games in Sochi, Russia, in 2014."
Jackson was also a senior adviser to the London 2012 Olympic Bid Committee and has been developing strategic plans to further improve Canada's high-performance sport system as a consultant.
"[Jackson] is a very experienced and successful leader who will give Alpine Canada and our partners and supporters great stability and continuity during the course of our search for a replacement for Max Gartner," said Danny Minogue, chairman of Alpine Canada's board of directors. "Max has made a long and lasting impact on [Alpine Canada] by always working hard to find the best coaching and management combinations to power our athletes to Olympic, world championship and World Cup medals.
"He will be missed but after over 30 years of service his contribution to ski racing in Canada will always be remembered."
Gartner had worked for Alpine Canada in various coaching and management positions since 1982. He had planned to leave when his contract expired after the 2014 Sochi Olympics, but decided to tender his resignation early in order to ensure a new president and CEO is in place for a crucial 2013-14 season.
Gartner, who has yet to indicate his future career plans, will assist Jackson during the transition.
The Canadian Press


text:
Team Sets Seventh Beta of KDevelop4 Loose
The KDevelop team is proud to announce the seventh beta of KDevelop4. At the same time we're a bit sad as this beta also marks our drop-out of the KDE SC 4.4 release cycle. We feel that we didn't manage to get the needed features for the 4.4.0 release working properly and that we'll need a longer freeze period than what is available in the release cycle. We're now concentrating on getting the existing features shaped up and ready for release as well as fixing as many of the bugs as we can. No new features will be introduced into KDevelop anymore until the first release, which is currently aimed at end of March.
This beta mainly brings stability improvements (see the list of fixed bugs) over the last one and a much improved session management allowing you to easily switch between different kinds of projects. This is already used by the developers working on the PHP plugin so they can switch between working on the plugin and doing their actual PHP work.
This leads us to the PHP and PHP documentation plugins, which again are accompanying this KDevelop4 beta. The second beta of kdevelop-php and kdevelop-phpdocs is also a mostly an incremental improvement over the first beta. Apart from fixing various bugs, the parsing performance for PHP files got greatly improved, making parsing big files like the internal one for php functions a lot faster.
You can find the source packages on the KDE mirrors and there are instructions for compiling. You can also check out a comparison of the KDE 3 and KDE 4 versions of KDevelop.
Please make sure the md5sum of the downloaded source packages match the following list as there was a last-minute update on the kdevplatform tarball:
Nice birthday present :D
I'd never have guessed you remember my birthday! Thanks!
KDevelop ROCKs, everyone who codes C++ should try it. Sure, it still crashes occasionally, but the stuff ctrl-space can do for you is worth it alone, and then there is the "show usage", mouse hover and other goodies.
By esben at Wed, 2009/12/16 - 6:06pm
Agreed - Great Work!
I've been using since long before it was halfway stable, just because of the sheer awesomeness of it. (For my purposes,) it blows any other FOSS IDE that I've tried out of the water, and a lot of its features show up commercial offerings too. Fully recommended for any C/C++ coder (and its other supported languages are probably good too, but I haven't tried them.)
By Jeffery MacEachern at Wed, 2009/12/16 - 7:44pm
Reverse Debugging
Will KDevelop support the newest features of GDB, specifically reverse debugging?
By HandyGandy at Thu, 2009/12/17 - 5:24am
Documentation problems
This might be a bit off-topic but I need to rant:
(Latest attempt was on kdevelop 3.9.95, I never tried version 4.X, hence the possible off-topicness of this post)
Trying the "Kdevelop handbook" option from the "help" menu item shows an error message and googling this error message returns a bug report saying that "it's normal, no one has written that documentation".
I tried following four year old tutorials on http://docs.kde.org/kde3/en/kdevelop/kdevelop/ but they most likely refer to four year old versions of kdevelop and had to give up when they referred to menu items, options, gadgets, that no longer exist, and to which I couldn't find any equivalent even after going through every single menu.
There's that "documentation" sidebar that's supposed to show informations about APIs but I couldn't get beyond the "there's no documentation selected yet", and here again the tutorial referred to "update config" or "update index" buttons that do not exist in my copy of kdevelop.
BTW is there supposed to be a difference between "Filtered HTML" and "Full HTML"? Their description is character-for-character identical.
By tendays at Thu, 2009/12/17 - 12:56pm
Out of curiosity, what kind
Out of curiosity, what kind of documentation are you expecting?
By vdboor at Thu, 2009/12/17 - 4:42pm
The last three, basically, with increasing importance.
That (outdated) kdevelop handbook I looked at has a good layout and would cover the last two elements:
Then, API documentations, IOW a working "documentation" pane that I can use to search for (kde) classes, or know what parameters this or that method takes, along with their explanations.
There are tons of generic tutorials and books on coding in C/C++ already so the first point is fine (and that wouldn't be the job of kdevelop people anyway).
By tendays at Thu, 2009/12/17 - 9:20pm
"Latest attempt was on
"Latest attempt was on kdevelop 3.9.95, I never tried version 4.X"
Actually, 3.9.95 is 4.0 Beta 5. The number is smaller than 4.0 because the versions have to be ordered, and 4.0 is the final version.
By majewsky at Fri, 2009/12/18 - 9:52pm
Ah this explains some of my problems!
Apparently I got hit by this: http://apaku.wordpress.com/2009/11/10/dont-install-ubuntu-9-10-if-you-wa...
I'll probably compile kdevelop3 as advised on that post, or wait for kdevelop4 to become stable (and well-documented ;-) )
By tendays at Sat, 2009/12/19 - 5:06pm
Great Work
I tried Kdevelop4 some weeks ago and I was impressed about the provided functionality and the way it is integrated in the user interface!
By infopipe at Thu, 2009/12/17 - 1:07pm


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I bought these 2 tea towels today (am I hooked on tea towels or what ?). They are new but I thought very pretty. So when I got home I decided to fold them over my arm chair, top and bottom. A quick fix for me and my floral addiction.
Wednesday, September 30, 2009
Tuesday, September 29, 2009
It was all Yellow
vintage duck measuring cups ebay
vintage floral tablecloth ebay
floral metal cups from Brown Button Trading
Yesterday I got some roses from my local rose farm. I usually go for pinks or reds but I decided these looked so pretty. Then I started noticing this colour was already a favourite at home. Funny how your subconscious works.
Monday, September 28, 2009
Breaking Rules
Pictures all from flickr
I don't have any formal qualifications in decorating. I read a lot though. I came across an old saying in colour and design theory that stated: "Blue with Green should never be seen". Go figure....Does anyone know of any other decorating "rules" that were meant to be broken?
Friday, September 25, 2009
Project Day: Framed Tea Towels
Usually I don't pay professionals to frame anything. I do it myself. But in this case I had to take a back seat and let them do their work. You see I found these second hand tea towels for a song and I really wanted them to be a showcase in our main living room. So I paid up and got them framed. I have to admit they look fabulous. To buy them finished like this in a store would have cost a whole lot more. Even thrifty girls can spurge once in awhile hey? Yipee it's the weekend. Have a ball of a time. Talk next week. Simone xx
Wednesday, September 23, 2009
I'm all Cracked Up
all images from flickr
Why is it that I love cracked paint?
Tuesday, September 22, 2009
My House is Crochet Mad
Today my house has gone a little crochet mad. Last week I picked up these 3 items at an op shop for 50c, 20c and $5 respectively (gee I love the country town church shops). So today I couldn't help but splash them around the place. It has already brightened my day. Hope it does the same for you.
Monday, September 21, 2009
Caravans and Creeks
Wednesday, September 16, 2009
Off we go....
picture from snail trail retro rentals
Away now for a little caravan trip to the country side. Will talk soon. I have some amazing vintage towels I had framed to show you next week! Take care. Simone xx
Tuesday, September 15, 2009
Feeling Hungry?
Photo from Daisy Pink Cupcake
I am. Loving the colours and styling here. What would you eat first?
I am. Loving the colours and styling here. What would you eat first?
Monday, September 14, 2009
Today I Love....
Friday, September 11, 2009
Project Day: Vintage Hankerchief Curtain
As promised I have made something using part of my collection of vintage hankies. I had quite a few children's ones so I decided to make a little curtain for my daughters room. Here's how:
- Measure your window length and depth. In my case it was approx 1.6m long x 1m drop.
- A standard hanky measures approx 25-30cm square, so I made my curtain 7 hankies across and 2 down. This allowed a little extra length so the curtains could 'gather' on the rod. And I wanted it to sit short of the window base. Add more or less to your own taste.
- Arrange and then sew all the hankies together. Don't worry if it's not perfect, that's what we are aiming for.
- With a piece of contrasting fabric (I chose pink gingham) sew in an opening for your curtain rod.
- Iron / press & hang!
This took me a few hours as I cant sew very well (thanks for letting me use your machine mum). I think the result is a little shabby, imperfect and WoNDERFUL! Have great weekend in the sunshine. Simone xx
Thursday, September 10, 2009
Marshmallows and Hairclips
I just love this picture from the latest edition of Shop for Girls Magazine. The colours are so pretty. Hair clips and headbands mixed with marshmallows all in a glass jar. A girl wouldn't know which to grab first.
Wednesday, September 9, 2009
My Mismatched Plate Rack
People are asking to see my kitchen, so over the next few weeks I will be posting snippets here and there. Here is my plate rack on the main wall. We use these plates daily and even when I have a dinner party all the plates are used from here. Whenever I see a cheap vintage plate for sale I grab it as sometimes we have breakages (which don't matter at all). The cups are from Robert Gordon. If there's one thing I love it's mismatching.
Tuesday, September 8, 2009
The Cupcake Theory
On Sunday I made some mini cupcakes for Fathers Day. As I took this photo I wondered for a second, has the cupcake thing been overdone? It seems everywhere I look I see them. And don't get me wrong because I adore them. I eat them by the truckloads. I just wonder what it is that has recently captivated us all. A few years back there wasn't a book about cupcakes, now they saturate the food sections of bookstores. So what is it that's changed?
Monday, September 7, 2009
How Could You?
Images via flickr
How could anyone really use these beautiful vintage hankerchiefs for their intended purpose? I have such a huge collection of these things. This week my goal is to make something with them. Happy Monday.
Friday, September 4, 2009
Project Day: Vintage Tablecloth Pencils
Pencils can be so boring sometimes. Here's what you can do to change it. You will need:
- Vintage fabric scraps cut into thin strips (I used a scrap from a vintage tablecloth).
- Lead pencils (round ones work best).
- Craft glue.
Thursday, September 3, 2009
Pretty Tablecloths Please
Image from Courtney's blog Green and Pretty
I just love pretty tablecloths. I also like the use of the polka dots mixed with the floral cushions and drapes. Pretty ?
Wednesday, September 2, 2009
Apartment Therapy : My Home Tour
Apartment Therapy approached me last month for a home tour. I still don't know why but I didn't ask questions. As you may already know I had my backyard featured in June. Anyway, I had to send in 30 shots and they edited them down to 15. I am so thrilled. A big thanks to Jenny from AT. So now I feel completely exposed. But in a good way. Here's the link so come over for a look inside. Yipee !
Tuesday, September 1, 2009
I Have a Fever
I woke up this morning with a fever. Spring fever that is. Today is the first day of Spring in Australia. Yipee! So today I am spreading this fever all through my house because Spring is my all time favourite season. Here are a few snaps from around the beach house today. What's your favourite season ? I would love to know.
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Meat Lover's Stromboli2019-02-17
- Skill Level: Easy
- Add to favorites
- Yield : 16 appetizer portions
- Prep Time : 15m
- Cook Time : 25m
- Ready In : 50m
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- Canola oil nonstick spray
- Flour, for dusting
- 1 pizza dough, divided in half
- 1 cup sweet marinated peppers, chopped (recommended: Peppadew)
- 2 tablespoons minced garlic
- 1 tablespoon Italian seasoning
- 1/4 pound sliced ham
- 1/4 pound sliced hot sopressata
- 1/4 pound sliced salami
- 1/4 pound thinly sliced pepperoni
- 4 cups grated mozzarella
- 1 egg, lightly beaten
- Olive oil, for brushing
- Smoked salt (optional)
- 2 cups good quality marinara sauce, warmed
Step 1
Preheat the oven to 400 degrees F. Spray 2 baking sheets with nonstick spray.
Step 2
On a lightly floured surface, roll out both halves of the dough to large rectangles, about 9 by 13 inches. Sprinkle each with the sweet peppers, garlic, and Italian seasoning, leaving a 1-inch border. Evenly distribute the ham, sopressata, salami, pepperoni, and mozzarella over each of the dough rectangles.
Step 3
Using a pastry brush, paint the border of 1 long edge on each piece of dough with the egg wash. Starting at the opposite long end without the egg wash, roll up each dough like a jellyroll. Repeat with the other dough. Place on the prepared baking sheets and brush the tops with olive oil. Sprinkle with smoked salt, if desired. Place a few slits in the top of the dough for venting. Bake until nearly completely golden brown and starting to crisp, about 25 minutes.
Step 4
Remove from the oven and let cool for about 10 minutes. Slice thickly and serve with the warmed marinara.


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Brand: SOLS Code: 02757
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Material: Nylon outer with PU coating.
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Every order is checked by our expert team. You will receive a visual proof of your order and work won't commence until we have your approval.
Available from 10pcs per design.
Up to 12 colours at no extra cost.
Max width 100mm. For larger sizes please get in touch for a quote.
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I've gotten requests to add more latin recipes to my site which for me is never a problem since I LOVE latin food! Arroz Con Gandules (Rice with Pigeon Peas) is a Puerto Rican dish popular in the Carribean. The pigeon peas are loaded with fiber which makes this a healthy side if cooked right.
This is a lighter version of my cousin's recipe, who makes the best arroz con gandules I know! The most important part of this dish is in the seasoning. Your liquids should have lots of flavor and should taste slightly salty before adding the rice, otherwise it will taste a bit bland.
Arroz Con Gandules (Rice and Pigeon Peas)
Gina's Weight Watcher Recipes
Servings: 7 • Size: 1 cup • Calories: 247 • Points: 4.5 • Smart Points: 3
3 cloves garlic
1 cup white onion
4 medium scallions
1/2 cup cilantro
1/2 cup green bell pepper
1 medium tomato
1 tbsp oil
1 (15 oz) can pigeon peas or gandules, drained
2 cups of uncooked long grain rice
3 cups water
1 chicken bullion like Maggi (or vegetable bullion for vegans)
1 packet of Sazon
Chop all sofrito items in a food processor or chopper. In a caldero or heavy pot with a lid, heat oil on medium. Stir in onion, scallion, cilantro, pepper and garlic and cook about 5 minutes. Add tomato and salt cook another minute. Stir in rice and blend well. Add gandules, water, bullion, sazon, salt and taste liquid for flavor. Mix well. Add more salt if needed.
Reduce flame to medium-low and let water boil down until it is completely absorbed. Once water barely skims the top, set flame to low and cover for 20 minutes without stirring or lifting the lid. The steam will cook the rice.


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Gibson trying to move past D-backs' losses
PHOENIX -- If he seems a bit upset when meeting with reporters 10 minutes after a loss, D-backs manager Kirk Gibson asks that you cut him some slack.
"The game is over, you kind of let it out," Gibson said, referring to frustration. "I don't really get a chance to do that. If you guys like to wait 30 minutes or so, I'll be a little more upbeat for you. I've got a lot going through my mind when I talk to you guys."
Gibson was known to be a very intense player, but he generally had more time before he had to meet with the media, and he took even longer before going home to his family.
"As a player I always used to stay at the park very late," he said. "I would never go home until I got rid of it, so to speak."
In his current role, Gibson still tries to get the loss out of his system before going home, which is not always easy given a 4-12 start to the season entering Tuesday.
"My job as a manager is to try and fix it," Gibson said. "That thought process starts, and I need to get rid of them as much as I can so I can get some sleep. And then we get up and we start at it again."


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Tamil E books Novels – Assorted PDF
The following are in one single RAR file.
Kalki Krishnamurthy - Books
Ponniyin Selvan
Solaimalai Llavarasi
Mohini Theevu
Alai Ocai Part
SUJATA Books
Klaiyuthir Kaalma
En Iniya Enthra
Meendum Jeeno'
Piriviom Santhipom part 1 & 2
Srirangathu Thevathigal
Kadvul Irukkirara
JEYAKANTHAN – Books
Jeykanthan short stories part 1 -3
Ramanyanam –
Dhevathigalin Dhevathai by Thabu Sankar
Thanner Desam by Vairamuthu
Thanking the original uploader and links.
Shridahr Bhatt


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jasonkester brauchte ein neues Website Design und hat einen Wettbewerb auf 99designs gestartet.
Aus 22 Designs von 6 Designern wurde eine Gewinner gewählt.
FairTutor is an online tutoring website, focusing on Spanish Language tutoring. It's American students connecting with language tutors in South America, with all the tools they'll need to do so. "Fair Trade Tutoring" is the idea we're trying to convey to the world, with direct human to human contact, and fair, transparent pricing.
Students can expect one-on-one tutoring with a native Spanish speaker, using an online interactive whiteboard with voice and video support. This piece will be handled by an embedded Twiddla whiteboard, so you might want to play around with one at http://www.twiddla.com to understand how it works.
We're looking for a site design that is clean and fun, and that conveys the goodwill of the Fair Trade movement. We'd like to build a strong brand around a logo or avatar, so the use of illustration could play a role in the design.
First priority: Southern California Housewives who watch Oprah. Next: Women in general. Finally: Everybody else. Women seem to stick with language classes more than men, so realistically we'll want to target the site to that demographic.
We want to target people who realize that by using this service, they are actually making a difference in somebody's life. So while it's important to show that the site offers online Spanish tutoring, and the lessons offered are certainly less expensive than they would be in the US, those things are less important than making the user feel that they are making the world a better place.
These concepts need to come across in the design, or better still are spelled out in content:
- Learn Spanish online
- One-on-one instruction, in a live online classroom
- "Fair Trade Tutoring" – professional Spanish teachers in South/Central America earning a fair wage
- Start Learning Today
- (implied but not necessarilly spelled out) You (the user) are going to make a difference in somebody's life. By using the site you'll be giving somebody in the developing world a good job with a comfortable wage.
- (implied but not necessarilly spelled out) This is going to be FUN. It's not charity. It's not school. It's learning Spanish online with a real live native speaker. You're going to enjoy yourself.
Please read the full contest description here:
Deliverables include a logo and homepage design for FairTutor.com, in PSD format. No HTML or CSS coding is required, though care should be taken that the design can actually be converted to a functioning website.
Primary elements:
- Clean web 2.0 look
- Use of illustration, color and/or whitespace to emphasize calls to action
- 2 main calls to action: "Find a Tutor Now" and "Learn More"
- The site is called FairTutor, capitalized as you see fit, but ideally without a .com attached.
- H1 text should read: Fair Trade Tutoring
Secondary Elements:
- Logo/Navigation/login bar up top
- Footer containing columns of stacked links. Extra points for a cool footer design
- Prospective Tutors need a way to learn about the site and sign up for accounts. This should be discoverable for them without distracting from the main audience, which is Students.
- We'll have a demo video. If it makes sense to place this on the homepage in lieu of the "learn more" call to action, go ahead.
- We have screenshots of the classroom application that you can use in the design if it makes sense to do so.
- Reusable header for use in other parts of the site.
Sites we like:


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Saturday, January 31, 2009
Better advocate
Of course in some instances they should, but this post isn't about that.
Considering the Red Squad's tactics and strategies during the Springbok Tour shouldn't Ross Meurant be the last person advocating for the rule of law and against abuse by police of their powers?
What about the murky dealings of the Suminovich Fisheries matter?
Methinks the Herald should have found a better advocate for this issue.
Wishart Vindicated
This morning's Herald carries a story which implicates David ('I'm running the show) Cunliffe fair and square in the gun along with Carter and Jones with regard to the Chinese imposter donations to Labour scandal. Does anyone remember the chorus of denigration heaped upon Ian Wishart when he broke the story? Yes. Did the Herald acknowledge Wishart's role? No.
It seems the police investigation into this sordid tale is about to conclude.
Investigations by police and immigration into possible identity fraud, money laundering and immigration fraud are nearing completion after a visit in November by three detectives to China. It hasn't been determined whether charges will be laid.
Of course the Herald blithely imagines the charges being considered relate to the Chinese party fund raiser.
The person who should be charged, convicted and jailed is ex minister, Labour's last hope, Shane Jones.
Should John Key bend over for gays?
Weekend caption competition
Picky Poms! Down Under not wanted?
You may remember I blogged about it last year.
Well, despite the doom and gloom of an increasingly sick economy, the Brits have increasingly voted to stay at home.
Apparantly, neither country came up to scratch and only a handful, if that, are heading our way.
Now, the programme was filmed in mid-2008, so obviously the Poms were suffering from falling property prices and a falling pound, meaning their money would not go as far in our part of the world.
But where their expectations realistic? We know we live in GodZone but there are a few snakes in our Garden of Eden, like low wages, high house prices, etc, etc.
The Poms expected to earn similar money to the UK while expecting to work less, to have that quality time and better work-life balance. And some also wanted the wife to stop working so they could spend more time with the kids.
'Nobody wants to work' was a common cry from my dad.
And the families expected to be able to sell their house, pay off their mortgage, and still have enough left over to buy the dream house with swimming pool not far from the beach, even in Sydney in one case!
Even if they would find a better life Down Under, the BBC played one final trick, showing the families a DVD featuring messages from the family and friends 'back home.' And I must say some family and friends seemed really selfish by laying it on thick about how much they would 'miss' people. Talk about emotional blackmail. It often led to many tears.
As for me, well I hope I am still wanted down under.
After nearly 2 months back in the UK, I have considered everything: The work prospects, housing costs, lifestyle, etc, etc. And I have voted to return to New Zealand. I will be back in Auckland on Tuesday February 10.
Only the market can save us from the crisis
Sound advice from Tesco chief Terry Leahy, who notes that despite current troubles, the market has delivered more benefits to all, than any other economic system.
Thus, it should not be abandonned by governments.
The power of the consumer and the benefits of the free market are often taken for granted. It often falls to others, who have witnessed the perils of excessive centralisation and planning, to remind us of basic truths.
One such person was Vaclav Havel, the First President of the Czech Republic.
He wrote: "I have always known that the only economic system that works is a market economy. This is the only natural economy, the only kind that makes sense, the only one that leads to prosperity, because it is the only one that reflects the nature of life itself.
Indeed, I might add that the current troubles we face in the world stems not from too much capitalism, but rather a lack of it; the problems being caused by too much government intervention, such as telling banks to lend to those who could not repay.
And can anyone identify a successful planned/ socialist economy? Come on then! Let's hear your suggestions of socialist utopias!
Friday, January 30, 2009
If it moves, tax it!
Much has been made of the hilarious spoof ad from Air New Zealand about low cost airlines.
The airline is right about some of the cons, I mean hidden costs associated with budget airlines.
But there is an even bigger rip-off merchant out there. Not the budget airline, but rather government!
As you know, I have just flown to Prague from Leeds Bradford using a budget airline called Jet2.
Now, the fare posted on the website was around £25 each way, making around £50 for the round trip, or rather £150 for the three of us, which is indeed a bargain.
However! There was also a voluntary charge af around £4 a head because we decided we wanted to book our seats so we could all sit together. There was also a couple of quid to pay using a credit card and another couple of quid as a booking fee! But most disturbingly was a suprise £40 or so charge as a fuel supplement. We also paid £21 for insurance.
There was also government tax so altogether, the bill for three return trips to Prague became £370. Still just over £120 a head wasn't bad.
Nonetheless, we still need to look at government. And government taxes, GST/VAT aside tend to be flat rate, so the same tax will be paid if your Ryanaiir flight costs a penny or £100.
Let us look at other real examples.
What could be nicer than a couple of days in Amsterdam.
Lets look at the website. Leaving Feb 23 , returning Feb 25. Fares 99 pence each way!
But look, there is then a further £49 in taxes!!! What percentage is this? A horrendous amount. What other product has taxes running into several thousand per cent.
Let's pop over to Ryannair then! Whose on for Dublin then? Again 99p fares. But again look at the taxes and fees, which now pushes a £2 return fare to over £55. Still, not a bad deal, but again, see how government is ripping people off. Can such taxes be avoided? No! Even for a domestic flight to Belfast we have £28 in taxes on top of £2 for the flight.
Europe along with many places was beginning to enjoy the though of supercheap airfares but look how government spoils it with such charges.
It's the same with cars. In New Zealand we hear the various taxes amount to half the price of a litre of petrol. In the UK, it used to be around 75-80% until petrol rocketed up in price over the past year. Last week , i read that the UK government takes £45 billion in tax from motorists, but just spends £9 billion on roads. The burden rises yearly and even in 2003, the motorist was responsible for a tenth of government revenues.
Think about it. there is the excise duty on petrol, GST/VAT on petrol, as well as GST on the price of a car, as well as the annual road tax/ vehicle excise duty. A nice little earner.
Indeed, who else is exploited more by government but the motorist or the air passenger?
Yes, Air New Zealand is right in raising the hidden charges of the 'low-cost' airlines, no doubt as a sign of its concern at the business it is losing to them. But the real enemy for the motorist or the air passenger is government. Why do we let them exploit us to such an appauling extent?
The Clark Highway
Not only did Labour fudge the published price and fail to actually allocate one penny of funding for this disastrous waste of money, but Transit failed by a cool billion dollars to accurately cost the project. Who was on the board at the time? Oh yes. That tacky fellow Mike Williams. Of course he would have had nothing to do with the decision to NOT build a six lane motorway in Helen Clark's back yard - would he?
Adolf reckons NACTional should direct Transit to keep bringing recommended options until they have one which resumes Helen Clark's house.
As a gesture of bipartisan reconciliation, the new motorway could be named 'The Clark Highway.'
You can just see where her house used to be - underneath the concrete truck in the lower right quadrant.
Friday Frolics: Obama caption competition
Well, I heard his new intern was a saucy mare, just like Clinton's was.
Come on then, let's have your entries!
Hat tip: Theo Spark.
I'm surprised Barnsley Bill didn't steal this one earlier.
Friday Frolics: Helen Clark on her day off!!
The age of the Liberal Facists is here!!
More eco-bullshit from the Left
Obama's triple whammy!!!
A few days back, I wondered how the right might attack Barry Obama.
Well, the Townhall.com website is pulling no punches with a quick triple whammy against the ObamaMessiah.
First we have incompetence.
Then hypocracy.
And finally, cowardice and appeasement.
And that's before anyone mentioned the economy!
Look like the right is regrouping already.
UPDATE: The Vatican sticks the boot in too!
Thursday, January 29, 2009
The OCR madness
But the question I have is this: if Bollard was such a bold central banker (considering that bold central bankers are about as common as women in the All Blacks) why did he stuff around with 25 point rises for two years when inflation was rampant and the property market was out of control?
Answer: because he is a drab, conservative central banker.
Do Goff and Cullen talk to each other?
The new National Government is grossly underestimating the severity of the economic crisis it faces, says Labour leader Phil Goff.What crisis Phil? Dr Cullen said we would be immune from it - we wouldn't be affected. That's after he taxed most of NZ to poverty over nine years and then left the NACTional government with 1o years of deficits and no money for anything, especially money for 'fixing' the economic crisis.
I really can't believe he is permitted to say things like this with no retort from our MSM.
Czechs suffer cost of communism
Soon we were in better parts , with fine old houses and then we reached the CBD and made it to the hotel, which is pretty good but not in the best part of the city centre. The old town is four stops away on the trams but its a bit run down outside.
After checking in, we took a tram to the city centre and walked past many fine shops. Familiar names were there too like KFC, McDonalds, as well as Debenhams and eventually more upmarket designer places as you reached the Old Town.
Certainly we are all impressed by the stunning architecture and character of the place.
But Prague is not the cheap haven it was just after the downfall of communism.
Then, a friend and I payed 20 Deutchmarks $15NZ to stay in a private house in Bethlemske, in the Old Town. But 30 Euros per person a night in the hotel here aint bad.
But to eat in the city is dear with steak mains around £20 a head at some of the finer, touristy places.
We found a decent restaurant in the old town opposite a glass crystal shop and had four beers, two sausage starters, three Czech main courses (one chicken, one goulash, one pork with cabbage and dumplings), which came to 1000 crowns, about $50NZ. Which seems fine.
After a walk back through the Old Town, we caught the tram back to the hotel and since there was no-one at the hotel bar, Dad sent me to the bottle store for some gin and I came back with a local concoction called Becherovka, which is interesting to say the least.
Since I have wireless in my room, expect a few more posts over the next few days.
But back to my point about the Czechs paying the price for decades of communism.
That is why some parts of Prague still look rough. Decades of poverty cannot be replaced overnight and yes, i guess there is still some catching up to do in the living standards department.
Imagine, without communism, the Czech Republic would probably be one of the richer countries of Western Europe. Well, Germany is just up the motorway, at the other side of some snow clad hills. There is no snow in the city alas, just some remains from last week. So why wouldn't Prague not have enjoyed German prosperity? Had it remained capitalist throughout all the post-WW2 period, Prague would probably be another Paris, super rich and lovely as well.
Or would it? Certainly, in the pre-Communist times, it looks like many fine old buildings were built that were very pretty and these are being lovingly restored.
The few decades of communism seems to have thrown up some bland monstrosities but at least in the city centre they are few and far between.
Noticeably there are few modern , post-communist buildings, though I saw some lovely new subdivisions springing up on the edge of the city, with houses as large and fine as any in Britain or New Zealand.
Thus, the city centre is largely a medieval masterpiece, making Prague one of the most beautiful cities in Europe.
Perhaps there is one thing we can be tankful for communism for.
It never developed the wealth that might have led to the demolition of the many fine buildings.
And by the time communism had gone, the world had learnt to value its culture and history.
Indeed, it is the culture and history that is attracting the tourists today and helping so much of the city make a living.
And the enterprising Czechs, far from charging little like they did nearly 20 years ago, have learnt to charge Western prices.
So indeed, while they will have undoubtedly suffered greatly from Communism, its tanks, its lack of freedoms, its poverty, the Czechs are learning to profit from what is only that failed system's only positive legacy- the fine old buildings.
Time to get the turkey baster boys! And find yourself a woman!
Trademe rant.
An experience I will not be repeating. The assinine and frankly retarded questions have brough me to the point where if I have something I want to sell I shall simply drag it down the back of the block and throw fuel at it.
What is the price? IT IS AN AUCTION
Will you deliver? IT IS A BOOK AND YOU ARE IN THE SOUTH ISLAND!
I swear most tradme users must be socially inept lock ins who have no human contact other than the net.
Image nicked from Theo
How do we tackle the Obama Messiah?
New Art from the Middle East
Wednesday, January 28, 2009
I have been mugged.
Today it did.
I was mugged by a patched member of this countries largest gang.
Going about my lawful business I was pulled over and the mugger demanded 150 dollars from me.
Apparently I did not come to a complete stop at a compulsory stop sign. This gives the mugger the right to demand money from me.
I have a number of issues with this and feel like sharing them.
1. I absolutely DID come to a complete stop.
2. Late in the month, quotas to fill.
3. Kerikeri has more than it's fair share of uniformed revenue men, this is due to the area being a lot more affluent than other towns that fall within the police district.
ergo, easier pickings for the cops and they are a lot less likely to get stabbed/ spat on/ generally abused. Plus the fines are much more likely to be paid.
This leaves me with a stark choice.
I can either pay up and sulk or I can decide not to pay.
Now at this stage I guess most of you are thinking "you must have rolled through the junction" I absolutely swear I did not.
Where is the profit for me in making a fuss? I am a big boy, I can take my lumps when they are deserved but it is not in this case.
if I decide to fight I will no doubt lose anyway and it will cost me heaps in time and more than the original fine.
But that is why the bastards write them, they just know you are going to pay up because to fight is an aggravation and most of us cannot be bothered.
Well sorry, this is the way I roll now.
I will be collecting names and addresses for the following people
Local Commander
District Commander
Minster of police
Local MP
They are going to get a letter, and then I am going to start filing official information requests. I want to know how the quota/ performance indicators or whatever else they call this shit is measured, handed out and reported on. Then I am going to start requesting details on the type and quantity of tickets issued in the far north, and I want it broken down by date , time and location. Then I am going to start photographing these fuckers and posting the pics.
crossposted at Barnsley Bill, facebook, ping, twitter and all the other stupid bloody services that Darth Blogger conned me into joining.
I will be going to court, you can guarantee I will be posting on that as well.
Will the Messiah turn the other cheek at dying children?
The economic crisis: Who is to blame?
In 1999 Clinton repealed the Glass-Steagall Act, which ensured a complete separation between commercial banks, which accept deposits, and investment banks, which invest and take risks. The move prompted the era of the superbank and primed the sub-prime pump. The year before the repeal sub-prime loans were just 5% of all mortgage lending. By the time the credit crunch blew up it was approaching 30%. "
How Many Sacrifices do we make for the Great God Gaia?
Tuesday, January 27, 2009
Couldn't we just run around squawking "The sky is falling!" instead?
Meat-free menus are to be promoted in hospitals as part of a strategy to cut global warming emissions across the National Health Service.
In other words, they're going to try and solve a problem that may or may not exist by trying to put sick people on a high-carb, low-fat diet - something guaranteed to have negative effects on their health. But that's not all:
Plans to reuse more equipment could raise concern about infection with superbugs such as MRSA.
If you're living in the UK, get private medical insurance now - when you need a hospital it'll be too late.
Now, here's an idea for our top journalists!
At $2000 a pop I'm glad they are not giving away such valuable advice for nothing.
As a journalist since the 1980s, I feel it's time to make the most of my experience and in these depressed times, any chance to earn a crust won't be turned down.
Certainly there is much business has to learn in how to handle the press. We are not all jackals out to stitch people up. Sometimes organisations are too secretive or cautious for their own good and this can raise suspicions. Openess is the key. Damn! those few words must have been worth a grand!
Now, Adam thinks the conference shows how the Fourth Estate has sunk. Indeed, it is a poor reflection on them but it also recognises the reality of newsrooms lacking sufficient staff to serve their readers and viewers properly; and a confession of how much the media relies on the PR and Comms industries.
Now, in Britain I am heartened to see that journalists still carry out a bit of fresh investigation.
'Fat' will be one of the kinder words for him!!!
Monday, January 26, 2009
Gordon's shame! Icelandic bailout for freezing pensioners and possible government cash for terrorists!
As excellent Daily Mail columinist Richard Littlejohn might say: 'You couldn't make it up!'
Why Officer 'A' should NOT face trial
I didn't know Meurant knew the decision-making priocess that went on on the Motorway on Friday afternoon. He must have been there. Meurant should watch tonight's interview on Close Up with the truck driver and then apologise.
Mr Meurant said police could only shoot to kill when they feared death or grievous injury to themselves or someone else and when there was no other way to prevent it.
He questions the decision-making process that led to Mr Naitoko's death.
I digress.
I/S starts off in his first post saying that "It looks like a tragic accident. But regardless, the officer should be prosecuted and made to face the judgement of their peers."
Then in his second post responding to feedback he says that:
No, what I am arguing is for the police to have exactly the same rights as any other New Zealander, and for them to apply the same bloody standard to themselves as they apply to everybody else.
If an ordinary citizen shot someone in these circumstances, they would unquestionably be facing court. We expect a high degree of care from the people we trust with guns, to the extent that accidentally shooting someone is regarded as careless pretty much by definition. That standard is high, but it is not inherently malicious, and it does not become so simply because the shooter is wearing a uniform.
I/S is fair and square wrong. He conflates rights with responsibilities or duties. The police do have the right to shoot people in this country just as much as they have the right to handcuff suspects, use force, drive at excessive speed etc. You get the point. But their rights to do all these things have to be balanced with the situation they are facing at the time. You break the law if you drive at excesive speed to a report of a historic house burglary. And, there is (usually) no need to handcuff a 16 yr old female shoplifter. Each situation depends on the circumstances. As does this shooting.
The police do have the right to shoot to incapacitate in certain circumstances. Under their internal firearm regulations (internally regulated) if the elements of F61 are met* then they can shoot to incapacitate: shoot to kill in essence.
Having listened to the driver of the truck on Close Up tonight (I'll add the link when it comes online) it is crystal clear the requirements of F61 were present. Stephen Hohepa McDonald had to be shot to incapacitate him.
Having met this requirement, it seems it then becomes an issue of how much care the officer took in taking aim and pulling the trigger. Again, this cannot be judged against the ordinary standard of a deer hunter in the Ureweras. Such a deer hunter is simply not operating in the same circumstances as police are who make split-second decisions when aiming and pulling the trigger. The deer hunter might have minutes to settle himself, confirm his target etc. The police have seconds. I have been in this position. It is not pleasant. Nor is it easy.
This is not the movies or series 5, episode 6 of 24. It's real. And in real life situations like this it sometimes doesn't matter how much training one has because you need real life situations to put the training into practice.
Thankfully in New Zealand we have very, very few of these real life situations.
I doubt the police officer will be charged. He was, as Greg O'Connor rather crudely put, "just doing his job". Of course O'Conner said this and made his 'odd' statements knowing the Idiot/Savants and Bombers of this world would be calling for the officers head. That's why he went on the defensive.
I'm not caling for the officers head. Leave him alone. He was doing his job. The fact he missed his target is a reflection of how many times police pull triggers in this country in real life situations. Fortunately for all of us that is very infrequently.
But there is a better and more important reason why this officer should not be charged. And that is because the very next time an officer has to make that split-second decision to shoot an armed and extremely dangerous offender they will be thinking "gee, if I fuck this up I might go to jail". And they may hesitate, and someone could die.
And then the Idiot/Savants and Bombers of this world will be baying for their blood asking why they are wearing the uniform if they are not prepared to do their job.
Get my point?
* Unable to recall the specifics and not able to be Googled.
Sunday, January 25, 2009
For Barnsley Bill
A biblical catastrophe of a hangover prevents the author from further research...
Nemi cartoon copyright Lise Myhre and Titan Books. Used without permission.
Saturday, January 24, 2009
Ever wondered where all this going to end?
Karl Marx, Das Kapital, 1867
Bloody hell.....
Question for the day
How many more times can a Money Managers scheme fall over before they run out of blind deaf idiots to secure funds from.
Another multi million dollar scheme goes tits up in a related party lending debacle
This happens with Money Managers with alarming frequency, the first I recall was the Metropolis mezzanine finance debacle, since then we have seen it every 18 months or so. A biblical catastrophe of a hangover prevents the author from further research to list the cock ups. Feel free to provide details in comments and I will update the post if I do not develop a brain aneurysm.
Credit crunch crime wave?
UK recession confirmed. But what does it mean for New Zealand?
Friday, January 23, 2009
Heather Roy's amazing healing powers
Naturally, one waits in vain for the dumbass journo to ask questions like:
"So, Phil Goff was right and you were wrong?"
"What effect do you think your constant talking down of the quality of the merchandise has had on the progress of the sale and its closing price?"
Another Pallywood production
"Remember who your daddy really is"
'We still see him now as we did when we were seven; as our loving daddy. He is our father, not the sketch in a paper or part of a skit on TV.
'Many will think they know your father but they have no idea how he felt on the day you were born, the pride he felt on your first day of school or how much you love being his daughters.
'So here is our most important piece of advice - remember who your dad really is.'
That is what has happened in countless totalitarian states, whose leaders invariably encourage a personality cult. It is not supposed to happen in modern democracies, but it does.
After their wipe-out in 1997, the Tories constituted a hopeless opposition. For the next few years the Republicans in Congress are likely to be equally feeble. If the media reaction to Mr Obama's inauguration is anything to go by, he will enjoy a generally supine and fawning Press, just as Mr Blair did until he ran into the buffers over Iraq.
So the new President may not be tested and held to account as he should be. Brilliant though he may be - and we really don't know one way or the other - he is undoubtedly very inexperienced.
In fact, I can't think of a U.S. President over the past 30 years who has assumed the highest office with so little executive experience. To be frank, Mr Obama has had none - just like Mr Blair in 1997.
Thursday, January 22, 2009
What not to do
The rest of it here.
2009-2010 will rank with 1913-14, 1933-36, 1964-65 and 1981-82 as years that will permanently change our government, politics and lives. Just as the stars were aligned for Wilson, Roosevelt, Johnson and Reagan, they are aligned for Obama. Simply put, we enter his administration as free-enterprise, market-dominated, laissez-faire America. We will shortly become like Germany, France, the United Kingdom, or Sweden — a socialist democracy in which the government dominates the economy, determines private-sector priorities and offers a vastly expanded range of services to many more people at much higher taxes.
Obama will accomplish his agenda of "reform" under the rubric of "recovery." Using the electoral mandate bestowed on a Democratic Congress by restless voters and the economic power given his administration by terrified Americans, he will change our country fundamentally in the name of lifting the depression. His stimulus packages won't do much to shorten the downturn — although they will make it less painful — but they will do a great deal to change our nation.
In implementing his agenda, Barack Obama will emulate the example of Franklin D. Roosevelt. (Not the liberal mythology of the New Deal, but the actuality of what it accomplished.) When FDR took office, he was enormously successful in averting a total collapse of the banking system and the economy. But his New Deal measures only succeeded in lowering the unemployment rate from 23 percent in 1933, when he took office, to 13 percent in the summer of 1937. It never went lower. And his policies of over-regulation generated such business uncertainty that they triggered a second-term recession. Unemployment in 1938 rose to 17 percent and, in 1940, on the verge of the war-driven recovery, stood at 15 percent. (These data and the real story of Hoover's and Roosevelt's missteps, uncolored by ideology, are available in The Forgotten Man by Amity Shlaes, copyright 2007.)
But in the name of a largely unsuccessful effort to end the Depression, Roosevelt passed crucial and permanent reforms that have dominated our lives ever since, including Social Security, the creation of the Securities and Exchange Commission, unionization under the Wagner Act, the federal minimum wage and a host of other fundamental changes.
Obama's record will be similar, although less wise and more destructive. He will begin by passing every program for which liberals have lusted for decades, from alternative-energy sources to school renovations, infrastructure repairs and technology enhancements. These are all good programs, but they normally would be stretched out for years. But freed of any constraint on the deficit — indeed, empowered by a mandate to raise it as high as possible — Obama will do them all rather quickly.
But it is not his spending that will transform our political system, it is his tax and welfare policies. In the name of short-term stimulus, he will give every American family (who makes less than $200,000) a welfare check of $1,000 euphemistically called a refundable tax credit. And he will so sharply cut taxes on the middle class and the poor that the number of Americans who pay no federal income tax will rise from the current one-third of all households to more than half. In the process, he will create a permanent electoral majority that does not pay taxes, but counts on ever-expanding welfare checks from the government. The dependency on the dole, formerly limited in pre-Clinton days to 14 million women and children on Aid to Families with Dependent Children, will now grow to a clear majority of the American population.Will he raise taxes? Why should he? With a congressional mandate to run the deficit up as high as need be, there is no reason to raise taxes now and risk aggravating the depression. Instead, Obama will follow the opposite of the Reagan strategy. Reagan cut taxes and increased the deficit so that liberals could not increase spending. Obama will raise spending and increase the deficit so that conservatives cannot cut taxes. And, when the economy is restored, he will raise taxes with impunity, since the only people who will have to pay them would be rich Republicans.
What to do?
1. Raise OCR to 8%+.
2. Slash corporate and personal taxes to 10%.
3. Allow 100% tax write-offs for new company investments.
Reducing taxes will offset the costs of borrowing from having a high OCR. A high OCR will flood the country with money allowing lending and investment. Let's face it, there is no money to be made in stocks, property or bonds right now so cash deposits is the only possibility. The loss to exporters from the resultant high dollar is offset by reducing taxes to 10%. The loss to mortgage holders is offset by reducing tax to 10%. The import imbalance as a result of a high dollar will be a problem to an extent but the cheap imports will encourage consumer spending saving the retailers. Petrol will be cheap enabling cost savings for businesses.
There will not be a drop in government revenue. Lower taxes and a high OCR will actually bring about an increase in revenue. At the rate we are going now, there won't be any corporate profits to tax anyway. 10% corporate tax of some profit is a whole lot better than 30% of nothing (that is not even taking into account the increase in personal income tax receipts from all the new jobs that companies will create). In the long run, profitable and growing companies will produce a lot more total revenue to the government than today's 30% corporate tax rate.
Taxes can be increased when the economy turns around - in about 7-10 years.
With the jobs created by this, including government infrastructure spending, there will be a reduction in the welfare bill.
Japan had interest rates at zero for 12 years + and it didn't work to revive its economy. It won't work to revive ours as long as there is no confidence.
But what would I know
"Surging international prices and the weakening kiwi currency caused gold to hit a New Zealand dollar record yesterday."Yet, apparently, "Gold is one of the worst performing asset classes" according to Ruth.
I repeat my call for Bollard to raise the OCR to 800 basis points.
Further, taxes should be slashed, especially corporate taxes. They can always be raised again.
Europe still crap at freedom of speech - official
A Dutch MP who made a provocative anti-Islam film and branded the Qur'an a "fascist book" is to be prosecuted for inciting racial hatred, Amsterdam's appeals court ruled today.Which is of course true. Given that freedom of speech counts for jack shit in most European countries, it naturally weighed very little in the judges minds. It seems to be only the English-speaking world that rates freedom of speech worth a damn, and even there the UK's letting the side down since it started hanging out with EU countries.
The court's three judges said they had weighed Wilders' anti-Islamic rhetoric against his right to free speech, and ruled he had gone beyond the normal leeway given to politicians.
I know that NZ has plenty of wet liberals in it who'd also cheerfully see people prosecuted for the crime of expressing an opinion; let Wilders' prosecution be an example to us of where we end up if we let those motherfuckers have their way.
Leeds: From Boom to Bust!!!
Wednesday, January 21, 2009
A Historic day- just like the Queen's Coronation!
I was in Leeds earlier today shopping with my parents.
As we wandered through one of the historic Victorian arcades, I noticed mum and dad had been accosted by a pretty young girl of Afro-Caribbean origin.
It turned out she was a reporter for the local BBC radio station and was asking passersby about how historic Obama's big day was to them.
Mum compared it to the coronation of Queen Elizabeth , 9-11, the day Princess Diana died, and the day Kennedy was shot- one of those days you will always remember where you were.
I turned up and was asked of 'similar' historic days , so I recalled the day Margaret Thatcher was elected and Tony Blair. We were being encouraged to associate Obama's inauguration with those big days of history.
I added Obama was so inexperienced and had only been a senator for two years and he had a lot to deal with like a global recession and trouble in the Middle East. But by then the microphone was off though the friendly reporter agreed many had remarked on his youth and had people's expectations been raised so high.
I felt it would have been be unkind to add Obama was also a leftist lightweight with dodgy connections who attained his place on the Democrat's ticket through some unsavoury means.
Or that after eight years of a Republican president who did not endear himself to the masses, that yes, there was a great feeling for change, whoever the Donks had had on their ticket.
However, I do feel the sense of history for non-whites in that one of their own kind can make it to the top as well.
And now this has happened, I can only hope that in future people of all colours can make it to the top on merit, rather than on grounds of race, sex or sexuality. Hopefully, in 2012 or whever, no-one will get excited over black candidates any more, though America still has to have its first woman president (Clinton or Palin?).
I still feel Obama gained his position through white guilt and the media being so excited at the sense of history or Hollywood in anAfrican-American coming to power. You only have to look at his record, Obama is not that special. And we have seen other blacks better qualified for the US presidency, such as Gen Colin Powell or Condi Rice.
So yes, after the adulation of the Messiah, let us hope we can all move on, and treat future presidential candidates the same, whoever they are and judge them on the colour of their policies not the colour of their skin.
I guess that makes me more of a non-racist than the liberals having their orgasms today.
You see, the world is not as racist as some have us believe. In fact it is perhaps the opposite.
Positive discrimination is just so passe, yet the left cling on to this failed collectivist ideology.
Indeed, Trevor Philips, chairman of the Equality and Human Rights Commission, has called Britain the least racist country in Europe.
Daily Mail columnist Richard Littlejohn also notes racism is often levelled where it isn't their and how the 'anti-racists' and 'guilt-tripping' white folks cause many troubles for all of us.
So now, in the spirit of equality, let us enjoy this caption competion, which for a photo like this would have been too impossible to resist, whoever had been inaugurated president this afternoon.
Suffer little Children: How Hamas exploits the kids
The first is through tv programmes like this, featuring a giant Jew eating Rabbit.
The second is in using children as human shields, as shown in a video featured here.
Hamas seem happy to boast about it too.
The Times yesterday noted there were many losers in the conflict, including Israel's international standing. But it also noted: "the death toll is blamed on Hamas's use of civilians as human shields".
The Irish Independent notes the Death Lovers of Hamas. While the LA Times has comment on Hamas's war crimes.
Indeed, if you are judged by the people you support. It doesn't say much for the South Island cafe owners, or indeed much of the media and the blogosphere, following so much brutality, cruelty and devastation casued by Hamas.
UPDATE: The Briefing Room has more. And more.


text:
ICMA-RC Waives Fees on Vantagepoint Milestone Target-Date Funds
August 8, 2018
Target-date funds, such as the Vantagepoint Milestone Funds, provide investors with exposure to multiple asset classes within a single strategy, gradually adjusting the asset mix as investors draw closer to their retirement dates. These types of funds have become an increasingly sought after element of investors' financial security, today accounting for more than 20 percent of total retirement plan assets, according to a recent Pensions & Investments survey.1
"The Vantagepoint Milestone Funds serve as the cornerstone of prudent retirement planning for many participants in the employer-sponsored 457, 401, and RHS plans that are administered by ICMA-RC," said Wayne Wicker, Senior Vice President & Chief Investment Officer. "By reducing fees in these funds, we are helping to ensure participants' investments grow and compound more over time, helping them achieve their long-term savings goals." Costs in the Vantagepoint Milestone Funds vary depending on their asset mix, so the fee waivers also vary across the fund family, specifically:
|Fund Name
|Retirement Income
|Milestone 2010 Fund
|Milestone 2015 Fund
|Milestone 2020 Fund
|Milestone 2025 Fund
|Milestone 2030 Fund
|Milestone 2035 Fund
|Milestone 2040 Fund
|Milestone 2045 Fund
|Milestone 2050 Fund
|Milestone 2055 Fund
The Vantagepoint Funds were developed to help participants build retirement security, and we believe these changes in fees will help increase our competitiveness in the marketplace.
1"Target-date assets continue to climb," by Meaghan Kilroy, Pensions & Investments, February 5, 2018. http://www.pionline.com/article/20180205/PRINT/180209963/target-date-assets-continue-to-climb.


text:
Blame It On The Aaaaaaaalchole: Old Lady Smacks A Woman & Gets Ready To Pop Off With A Man A NY Train!"C'Mon Scumbagg" (Woman Gets Up Like Nothing Happened)
Only in NY
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