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Balea Lake is a glacial lake (formed in a cirque) located at an altitude of 2.040m, the Fagaras Mountains, on the border of Arges and Sibiu.
This county has a total area of 6,862 km². The relief can be split into 3 distinctive parts. In the north side there are the mountains, from the Southern Carpathians group - the Făgăraş Mountains with Moldoveanu Peak (2,544 m), Negoiu Peak (2,535 m) and Vanatoarea lui Buteanu peak (2,508 m) towering the region, and in the North-East part the Leaotă Mountains. Between them there is a pass towards Braşov, the Rucăr-Bran Passage. The heights decrease, and in the center there are the sub-carpathian hills, with heights around 800 m, crossed with very deep valleys. In the south there is the northern part of the Romanian Plain.The main river that crosses the county is the Argeş River in which almost all the other rivers coming from the mountains flow. In the south the main rivers are the Vedea River and the Teleorman River.

subset: commoncrawl


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Ten Fayette athletes were named Buckeye Border Conference scholar athletes for the fall season.
The award is given to junior and senior athletes who earn a grade point average of 3.25 or higher.
Senior Sarah Schrock maintained a 4.0 average while participating in cross country.
Other cross country scholar athletes are seniors Ben Kovar, Logan Keefer, Mara Raker and Danielle Wyse.
Seniors Caleb Brinegar and Austin Hylander were named scholar athletes for golf. In volleyball, seniors Katie Borer and Kalley Martin earned the honor, along with junior Elisha Hartman.


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Jays pitchers throw to hitters for first time in camp
DUNEDIN, Fla. -- The Blue Jays held their first official day of full team workouts on Friday in what can be considered a sign that the regular season is just around the corner.
Toronto put all of its players through a full morning of workouts with a schedule that was concluded with live batting practice. It was the first opportunity for pitchers to throw with hitters in the batter's box after spending the past week working exclusively in side sessions.
R.A. Dickey, Brandon Morrow, Esmil Rogers, Dustin McGowan, Drew Hutchison and Kyle Drabek were among those who got some work in with another group scheduled to throw on Saturday.
"To be honest, they all look really good," Blue Jays manager John Gibbons said. "I saw Dickey, I was primarily over there to watch [Erik] Kratz catch him and he looked really good. Better than he has been in the bullpen with him.
"I was limited in the number of guys I saw but it goes back to the day we started, they seem locked in. We have some pretty good arms down there but until we start playing games it's really tough to tell."
The Blue Jays are set to open their Grapefruit League season on Wednesday with a game against the Phillies. Toronto has yet to announce its pitching schedule for the upcoming exhibition games but that news is expected to be released either Saturday or Sunday.


text: The Shoprite group of companies are committed to protecting your privacy. We recognise our obligation to respect and protect the confidentiality of your personal and financial information. For this reason we have developed this policy to govern the processing of your information. Please read and consider this document carefully since it sets out our intended use of your personal and financial information. We require you to consent to this policy before we can render any services to you.


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Memorial Day is a very special day for remembering our troops and an opportunity for families and friends to get together. The weather is usually beautiful and warm enough to enjoy outdoor activities so many people take advantage of having an outdoor party before the hot summer months begin. Celebrations take place in many forms including picnics, beach, and boat parties so you better make sure you have your summer looks ready. Check out our three looks below for ideas of what to wear this Memorial Day if you plan to attend an outdoor celebration.
The nautical look is a great standby to wear on a boat. Try a striped sweater and lightweight pants and don't forget a bandana for your hair to keep it under control if you plan to go out to sea.
1. Ralph Lauren Striped Top $199; 2. Level 99 pant in white $108; 3. Gucci Red Rounded Oversized Sunglasses $325; 4. Enrico Coveri Signature Printed Silk bandana $63; 5. Roger Vivier Brown leather t-strap thong sandals $247.99; 6. Elizabeth and James Gold Square hoop earrings $259; 7. ASOS Kenneth Jay Lane Gold Cuff with Black Stones $121.77
A pair of colorful shorts and wedge sandals are the perfect option for a picnic. Add edgy accessories to create a day look that can go into night in case the party lasts throughout the daylight hours.
1. Isabel Marant Roxi embroidered printed stretch denim shorts $500; 2. Tory Burch Logo-Studded bracelet $95; 3. Vanessa Bruno sleeveless white draped top $446; 4. Ecote suede fringe crossbody $79; 5. House of Harlow pyramid bar stud earrings $55; 6. Valentino Rockstud cage cork-wedge sandal $975
A bright bikini, lightweight cover up, and dramatic beach bag are all you need for your beach party. Add an oversized hat for stylish cover and don't forget to apply SPF!
1. Nightcap Clothing Gauze Beach Cover Up $275; 2. Target xhilaration juniors 2 piece bikini swimsuits $14.99; 3. Sergio Rossi Sandal $239; 4. Diane Von Furstenberg neoprene beach tote bag $145; 5. San Diego Hat Company $50; 6. RJ Graziano yellow cluster bracelets $38


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Mumbai University Distance Admissions 2013
UNIVERSITY OF MUMBAI Distance and Open learning Admissions 2013
Applications are invited for admission in the following courses :
Distance Under Graduate Courses:
B.A.(History, Political Science, Sociology,Economics, Education, Psychology, Commerce,Rural Development, English, Hindi, & Marathi)
B.Com. (Accounts/Management Group)
B.Sc.( Information Technology)
B.Sc. (Computer Science)
B.Sc. (Nautical Technology)
Distance Post Graduate Courses:
M.A. (History, Sociology, Economics, Marathi, English,Hindi, Gujrathi and Politics)
M.A. (Education)
M. Com. (Accounts /Management)
MA/M. Sc. (Mathematics)
M.Sc.(Information Technology)
M.Sc. (Computer Science)
M.C.A. (Master of Computer Applications)
PGDFM (PG Diploma in Financial Management)
PGDORM (PG Diploma in Operations Research for Management)
Admission is made online for all programmes, details of which are available on the website: www.mu.ac.in/idol OR www.mahaonline.gov.in
Students are informed to check their eligibility of the course and other information from the prospectus available on: www.mu.ac.in/idol
Online payment through Credit/Debit Cards, Net Banking and Bank Challan from any branch of Bank of Maharashtra is accepted.
Last date to apply online : 28th June, 2013 to 27th July, 2013 and 01st August, 2013 to 16th August, 2013 (With Late Fees of Rs. 150/-)
For more information visit : http://www.mu.ac.in/idol.html


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New co-op option links students to industry
Memorial University's graduate program in environmental science is offering a new co-operative education work term option to graduate students seeking work experience in the environmental industry.
Students choosing this option would complete a paid, 14-18 week work term relevant to their master of environmental science degree during the spring semester, with the first students starting their placements in May 2012.
Dr. Joe Wroblewski, chair of the program, says students will network with members of the environmental industry during their work term experience and become career-prepared.
In co-ordinating this option, the graduate studies program is working with the Newfoundland and Labrador Environmental Industry Association (NEIA), a not-for-profit association of businesses that promotes growth and development of the environmental industry in this province, for a direct link to potential employers.
"Newfoundland and Labrador's economy is thriving and the demand for skilled expertise in various sectors of the environmental industry is increasing," said Linda Bartlett, NEIA's executive director. "NEIA members are industry leaders addressing some of the province's most complex environmental challenges with innovative thinking and state-of-the-art products. These potential employers are anxious to access students with well-developed skill sets."
The School of Graduate Studies offers the interdisciplinary environmental science program and students enter it from a wide range of undergraduate backgrounds including science, engineering and environmental studies. The program gives students the opportunity to learn about the many disciplines relevant to environmental science.
The Faculty of Science, which administers the program, will co-ordinate with Memorial University's Division of Co-operative Education to place students in the work term positions with industry, the provincial government, the federal government and non-governmental organizations.
Rebecca Newhook, co-operative education co-ordinator for the faculties of arts and science, says that she will begin talking to interested students and matching them with employers as soon as possible.
"I hope to identify candidate students this semester so I can begin contacting employers and co-ordinating interviews and placements in January," she said. "Hopefully, all interested students will be placed by March."
Graduate students currently in the program who wish to investigate this new work term option of the master of environmental science degree are encouraged to speak with their supervisor and the program chair. New applicants to the program can find information about the degree program online at www.mun.ca/regoff/calendar/sectionNo=GRAD-1543.


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Between the ongoing market volatility and the rapid evolution in insurance products, it's easy to see why many financial advisors aren't talking to their clients about life insurance. They're already stretched, and learning about complex products takes them away from their bread-and-butter business. What they may not be aware of, however, is that offering life insurance to clients can help them build their practices, increase client retention and satisfaction, and enhance their clients' portfolios.
The good news for financial advisors is that they don't need to become life insurance experts and reinvent themselves; they simply need to find the right partner.
Joining forces with a dedicated life insurance specialist helps advisors differentiate themselves in the marketplace, retain clients and generate additional revenue. Most importantly, a partnership gives advisors the opportunity to present new options to their clients without diluting the main focus of their business.
For most financial advisors, a life insurance discussion with their clients is reactive in nature. Working with a partner can help ensure clients' life insurance needs are not overlooked.
Despite the benefits, data confirms that most financial advisors aren't discussing life insurance with their clients, much less making it a part of their portfolios. Just under half of U.S. adults who have a financial advisor and a financial plan have discussed life insurance, according to a recent survey by Saybrus Partners Inc.
Of those, just under a quarter (24%) said their advisor had recommended adding life insurance. Nearly half of respondents with life insurance said their advisors never reviewed their existing policy.
So why are financial planners not putting life insurance in the mix for their clients? They already face overwhelming demands from their core businesses. And, because of the complexities of various life insurance policy types and tax issues, they may lack confidence in their own knowledge. With the time investment required to stay abreast of such topics, many planners choose instead to focus on existing areas of expertise.
The Right Time for Life Insurance
Life insurance is a foundation of financial planning and a critical tool for protecting wealth. It's also timely now. With the volatility in financial markets, many people are looking for more predictability in their assets. Of course, life insurance is not correlated to the market, and its guarantees are not subject to market losses.
While financial planners should have a working knowledge of life insurance, they don't have to become experts. That's the role of their life insurance partners: to stay a step ahead of developments in the fast-changing field and be deeply knowledgeable about products and the multiple ways they can be used to help clients meet their goals.
Clients appear to be receptive. More than four out of five (83%) survey respondents with life insurance said they would be interested in adding additional features to their existing policies. The survey, which was conducted in July 2011 by Harris Interactive, polled 2,410 adults; of the total respondents, 786 have a financial advisor.
While protecting family and heirs is the most widely known use of life insurance, it can also be effective in meeting other client needs. For example, clients frequently have money in accumulation vehicles like IRAs or annuities and intend to leave them to their heirs. However, such assets are usually not the best choice for wealth transfer, especially from a tax perspective.
For clients who have not yet reached retirement, life insurance also offers potential for tax-advantaged cash accumulation, which can be accessed for any reason, including supplemental retirement income.
Survey respondents also noted a number of other life insurance benefits that would interest them, such as the ability to receive the payout as income if they were diagnosed with a terminal illness, coverage for long-term care needs, and waiver of premium payments if they became disabled.
Who Needs Life Insurance?
While many people could benefit from life insurance, there are certain categories of clients that provide clear opportunities. A good life insurance partner can help a financial advisor identify and assist these clients.
Wealthy families. The first is wealthy families with middle-aged or older members. With their income needs met, they are looking for wealth protection and transfer strategies. The opportunity for this group is to identify unused and underperforming assets and use them to purchase permanent life insurance, potentially with a long-term care rider. This helps protect their wealth and allows for tax-advantaged wealth transfer to heirs.
In one example, a husband and wife had a variable annuity with a guaranteed death benefit they'd purchased in the late 1990s. The annuity wasn't performing well, and the clients' needs had changed over the past decade. By transferring their assets to a life insurance policy, they were able to meet their primary goal of leaving an inheritance for their children. In that case, the original $460,000 asset was used to fund a policy with a $763,000 tax-free death benefit.
Business owners. The second group is business owners who use life insurance for succession planning. To ensure that the business continues, partners can take out life insurance policies on each other. If one dies, the other gets the proceeds and can use the money for the business. Alternatively, a business owner may have a life insurance policy that is payable to an heir, who may use the money to buy all or part of the business. Business owners typically also need key person insurance.
High-income earners. The third category includes successful individuals who are 55 or younger and still in their prime earning years. They need life insurance to protect their families against the loss of their income in the case of a premature death. Additionally, they may have maxed out their Roth IRA, 401(k) or similar plans and are looking for additional ways to set aside funds for retirement. A permanent life insurance policy offers death benefit protection as well as tax-efficient cash accumulation so they can supplement their retirement savings and later withdraw cash tax free for planned or unforeseen events.
Life insurance holders. The fourth category is people who have a life insurance policy that was written some time ago, perhaps as long as 10–15 years ago. These policies may need to be reviewed and updated. There may be new riders that would be beneficial, for example, or the interest rate environment or tax laws may have changed. It's important to make sure the policies are functioning as they were intended.
Life After Death
When life insurance is included in a client's portfolio, it creates an opportunity for the financial advisor to stay connected to family members and other heirs. The advisor can assist in the death benefit withdrawal and help disburse or re-invest the money, potentially adding the next generation to his or her client roster and garnering more investment assets.
Financial advisors enjoy real and substantial advantages when they team up with a life insurance specialist. Putting that partnership in place doesn't have to be difficult. It involves choosing a knowledgeable partner, setting up an agreement, working together to identify appropriate clients, counseling clients, ensuring that the policy is issued and setting up a regular schedule to assess new clients and follow up on existing ones.
Financial advisors who want to stand out in the marketplace, strengthen client loyalty and expand their practices and revenue should take a fresh look at offering life insurance. In most cases, it's a winning idea for financial advisors and, most importantly, clients.
Six Steps to a Successful Partnership
Offering clients life insurance options has big benefits for advisors, including increased income, client retention, practice growth and market differentiation.
These six steps detail how financial advisors can launch and maintain a productive partnership with life insurance experts. Once advisors have their partnership up and running, they may wonder how they ever did business without the important planning and protection options offered by life insurance.
- Find a partner you like and trust. This is key and creates the foundation for success. The insurance partner's primary focus should be life and long-term care insurance to ensure that the relationship will be complementary, not competitive. Ideally, the partner will also have a working knowledge of the software and planning tools the financial advisor uses.
If advisors don't know any life insurance experts, they can ask for recommendations from colleagues and consult professional organizations. Look for professional certifications and check with state insurance departments and regulatory agencies for a history of complaints.
- Define roles and responsibilities. Both parties should be clear on their responsibilities as well as parameters in the relationship. They should work out an agreement and commit it to paper. While it's not a legal document, a written plan that includes goals, mutual expectations and commitments, and action steps is essential and can ensure the plan is successfully implemented.
- Perform an assessment of your clients. Among the advisor's client base, there are sure to be several people or families who have needs that can be addressed with life insurance. The financial advisor and the insurance expert should collaborate in this process since they bring different areas of expertise to the table. The financial advisor will have background knowledge of the clients, their goals and individual situations. The insurance expert will help to identify the clients who would most benefit from a life insurance discussion and how to approach them.
- Set up introductory meetings with clients. At the meeting, which the advisor arranges, the life insurance expert should review all available options and make recommendations. Both professionals should understand that while the insurance expert is providing valuable information and products, the primary relationship is between the financial advisor and the client. The advisor knows the client and is in the best position to help the client define and achieve goals.
- Facilitate the application and underwriting process. The insurance expert's role includes assisting with completing the application, making sure all the documentation, including medical records, is submitted, and being the liaison between the carrier, the financial advisor and the client.
- Establish a schedule for periodic assessments. The partners should set up a schedule—perhaps quarterly or semiannually—to assess new clients and determine if life insurance could be beneficial for them. They should also be aware of external conditions and events that affect the policy and policyholder, from changing family dynamics to fluctuating interest rates. Remember, the whole point of the partnership is to protect the client by developing and monitoring the best possible financial plan.


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Unmistakeably A Bentley
Bentayga is unmistakably a Bentley. Its dynamic take on the established design language has created a range of SUVs with the perfect balance of performance and commanding SUV presence.
The signature sharp lines, flowing curves and seamless surfaces of Bentayga's advanced aluminium exterior reflect a fresh take on the Bentley design language. The muscular powerline – the characteristic, sharply-defined crease that draws your eye from the front wheel along the side of the car – is the result of an innovative superforming technique, first pioneered by the aerospace industry. The B-shaped wing vent, extensive brightware and large, impressive wheels add a further level of striking detail.


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Childers Library
Things To Do Childers, Bundaberg, Queensland
Galleries, Museums and Collections
Childers Library offers various items for loan to members including bookings, DVDs, CDs, magazines, and eDownloads. Visitors are able to join the Library as temporary members by paying a refundable security deposit. By securing your membership, you will be able to borrow items while you are holidaying in the region.
Free WIFI and computer use is available for members and visitors, bookings and restrictions apply. Chargebars are available in the branch to enable devices to be charged during your visit.
The library also run regular activities for children, technology lessons, and author events. More information about the Library and the service they provide may be found on their website.
Cafe Carpark Conference/Convention Facilities Free Wifi Paid Wifi Public Toilet
Free Entry


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White Skulls on Black Reusable Cloth Nappy
White Jack skulls on Black digitally positioned and printed on polyurethane laminate exterior with soft suede cloth interior.
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- Suitable for babies and toddlers 8lbs-36lbs (3kgs-15kgs)
- Elasticated waist and leg bands
- Generous pocket for adding extra inserts
Help cut down on landfill waste whilst keeping your baby looking cute and stylish with modern reusable cloth nappies.
Need Inserts?
Not sure if this product is for you?
If you are unsure about this product, or even just cloth nappies in general, please feel free to get in touch. There are many Cloth Nappy Libraries and other groups throughout the country and we would be more than happy to point you in the right direction. Some nappy libraries allow you to hire cloth nappies to see if they are suitable for you and your baby, so you can try before you buy.
So if you need any help, have any questions or just want to leave feedback, do please get in touch with us. As we are always happy to help!


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As the world counts down to the opening of the Olympic Games in London on Friday, Londoners—and others in Britain—are dealing with an economy that in Q2 of this year slowed considerably more than expected. Also, with British banks being pressured to estimate the effects of the LIBOR rigging scandal on their balance sheets ahead of earnings reports expected later this week for the first half of the year, the numbers are expected to be "underwhelming."
Bloomberg reported Wednesday that the Office for National Statistics in London announced Q2 numbers indicating a deepening recession. GDP fell for the third straight quarter, but it was the amount that surprised: a 0.7% plunge after Q1's numbers dropped 0.3%. Economists surveyed earlier had expected a median fall of 0.2%.
The U.K. economy was also down 0.8% from a year ago; when economists had predicted a 0.3% year-on-year drop. It had not fallen so much since Q3 of 2009. While unemployment was a slight bright spot, down to 8.1% in the three months through April from 8.2%, thanks in part to the coming Olympics, the rest of the numbers were not so bright.
Reuters reported that the service sector, making up more than 75% of Britain's GDP, fell by 0.1%, after rising 0.2% in Q1. Industrial output fell by 1.3%. Construction followed suit, plunging by 5.2%—the most since Q1 of 2009.
The statistics office said some fall in GDP was expected because of the extra holiday for the queen's diamond jubilee. The wettest second quarter on record was also cited, with both events creating "additional uncertainty." The office also said the GDP report included estimates for June based on the effects of previous jubilee holidays in 1977 and 1992.
"This is terrible data. Frankly there's nothing good that comes out of these numbers at all," said Peter Dixon in the report. Dixon, an economist at Commerzbank, added, "The economy looks to be badly holed below the water line at this stage. It's a far worse period of activity than we'd expected."
The report puts additional pressure on both Prime Minister David Cameron and Chancellor of the Exchequer George Osborne to rethink their commitment to austerity measures in an effort to eliminate the country's structural budget deficit over the next five years, as the Labour Party turns on the heat over such measures trying to do too much too soon.
However, both continue to resist a change in strategy. Osborne and Bank of England (BoE) Governor Mervyn King worry that a change could trigger a loss of confidence in Britain's commitment to long-term deficit reduction.
In a statement, Osborne said, "We're dealing with our debts at home and the debt crisis abroad. We've made progress over the last two years in cutting the deficit by 25% and businesses have created over 800,000 new jobs."
He added, "But given what's happening in the world we need a relentless focus on the economy, and recent announcements on infrastructure and lending show that's exactly what we're doing." King may find himself boosting BoE efforts to promote growth nonetheless. Ross Walker, an economist at Royal Bank of Scotland Group, said in the report, "This isn't easy for policy makers to interpret, but it increases the likelihood of further easing."
The banking sector in Britain has its own woes. Investors are calling for the U.K.'s largest banks to provide estimates of how much the scandal over the rigging of the London interbank offered rate (LIBOR) could cost them as they report first-half earnings later in the week.
Although the big U.K. banks are expected to have done better than the top five U.S. banks, which this year posted the lowest first-half revenue since 2008, the shadow of four major banking scandals in the past 14 months will no doubt extract a price.
With the four largest-by-assets banks having already reserved 6.9 billion pounds ($10.69 billion) to compensate customers over improperly sold insurance, they still face probes over misselling interest rate swaps to small businesses. In addition, HSBC could face fines for failing to enforce money-laundering regulations that the U.S. Senate has said gave drug rings and terrorists entree to the U.S. financial system.
Morgan Stanley analyst Betsy Graseck estimated such tolls in an investor note on July 12. She put possible numbers at another 626 million pounds from civil lawsuits for Barclays, which has already been fined a record 290 million pounds over the LIBOR debacle. In addition, she estimated fines and legal costs of as much as 2.2 billion pounds for Royal Bank of Scotland Group, Lloyds Banking Group and HSBC Holdings.
The banks themselves have remained quiet on the subject and are likely to continue to keep mum, four unidentified individuals who have knowledge of the banks' reasoning told Bloomberg. RBS, Lloyds, HSBC and Barclays could cite international financial reporting standards used by U.K. firms, which only require banks to set aside funds for such expenses if the amount can be "estimated reliably."
However, Prem Sikka, an accounting professor at the University of Essex, England, said in the report, "They'll say it's a contingency, the amounts are unknown, therefore we can't deal with anything with certainty. I would say they should provision. They know it's coming."
Richard Hunter, head of equities at Hargreaves Lansdown, a British stockbroker with 26 billion pounds of assets under management, expressed the views of many when he said, "We hope for some form of guidance on what the banks are looking to provide for on LIBOR. Where the U.S. is concerned, you have the potential for litigation which can take considerable time to get to the other side of."
Ian Gordon, an analyst at Investec in London, summed it up in the report, saying, "With limited scope for negative surprise on impairments and with a predictable weak outlook for revenues, expect a broadly underwhelming picture."


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The financial services industry devotes tremendous energy to identifying and promoting investments that can offer retirement account holders the best combination of risk, return, and diversification. Often lost in this asset allocation push, however, is the drag taxes can take on wealth creation.
"In a world where alphais so hard to generate and advisors spend hours looking for ways to save a few basis points, it is surprising how little attention is paid to the issue of how various components of investment income are taxed,'' says Alexey Bulankov, a certified financial planner with McCarthy Asset Management in Redwood Shores, Calif. "No investment plan is complete without a tax angle."
To increase the likelihood of their clients reaching retirement with ample savings, Bulankov and other advisors advocate asset location—the process of assigning investments to taxable or tax-deferred accounts, such as 401(k)s and IRAs, based on the types of taxable distributions they generate.
"Strategic asset location is a source of tax alpha for investors, because it's designed to minimize taxes and maximize after-tax wealth,'' says Glenn Freed, CEO of Los Angeles-based Vericimetry Advisors.
Source: Metis Group
Aseries of studies conducted in 2005 by financial planners Gobind Daryanani and Chris Cordaro found that implementing asset location in a portfolio, versus equally dividing assets across taxable and IRA accounts, added 20 basis points of performance annually. While 0.2 percent doesn't seem like much, compounded over a 30-year to 40-year savings period, the benefits can be substantial.
On the surface, the asset-location decision looks easy and obvious: Place bonds and other income-producing investments in tax-deferred accounts, and capital-gains producing stocks and other securities in taxable accounts. But an investment's tax efficiency is just the starting point in the asset-location process.
An asset location study by T. Rowe Price using stock and bond mutual funds determined that an investor's expected tax bracket and retirement time horizon also figure prominently in the asset-location decision.
Stocks vs. Bonds
T. Rowe Price found that, in general, the higher your tax bracket in retirement—when distributions are taxed at ordinary income rates—and the shorter your investment accumulation period, the more beneficial it is to place stock funds in taxable accounts and bond funds in tax-deferred accounts.
On the other hand, investors in lower tax brackets with longer holding periods (10 years or more) would do better keeping stock funds in the tax-deferred bucket and bond funds in the taxable bucket.
T. Rowe Price also concluded that even though stock funds' earnings are taxed at higher ordinary income tax rates at retirement, that drag is offset by the advantage of deferring taxes for many years on their higher compounded growth.
Stocks generally are tax efficient as two of the three types of income they generate—long-term capital gains and qualified dividend income—are taxed at a low 15 percent. Short-term capital gains, which apply to holding periods of less than a year, are taxed at ordinary income tax rates that can be as high as 35 percent.
But stocks of different market caps and investment styles can vary greatly in their tax efficiency. Large-capitalizationgrowth stocks are the most tax-efficient equity asset class, due to their low turnover and lack of dividends, according to Rockford, Ill.-based Savant Capital Management. Small-cap value stocks are least efficient due to their high turnover as they grow in size and migrate into growth stocks and because they tend to pay higher dividends.
Stocks are easier to trade than individual bonds when it comes to harvesting capital losses that can be offset against capital gains in any given years, says Vericimetry's Freed, and so it makes sense to keep at least a portion of an equity position in a taxable account. Capital gains on stocks can also be deferred, providing additional flexibility in managing taxes.
Tax Factor: Moving Target
Another factor that plays into where you keep your assets is future tax rates, which are very much a moving target.
* Projected rates
Should Congress fail to take action, personal-income tax and long-term capital gains rates will increase across the board on Jan. 1, 2013. The 15-percent rate for qualified dividend income will disappear, says Larry Karmel, a partner at New York-based accounting firm Metis Group. As part of , investment income will also get hit with a 2.9 percent surcharge starting in 2013.
For investors who expect to see their marginal rates rise and have cash to pay the upfront tax bill, advisors suggest transferring tax-deferred retirement account assets into a Roth IRAbefore rates rise. Roth account holders pay taxes today on their contributions, but owe no future taxes on earnings or qualified distributions.
"As for future, probable tax structure, it's really just a guessing game,'' says Rick Ashburn, who runs Lafayette, Calif., advisory firm Creekside Partners. "On balance, I would advise higher-income clients to plan for higher marginal rates."


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With $812,500 Grant, Gifford to Expand Access to Primary Care
Randolph — Access to primary care, dental and mental health services looks to improve in the Randolph area after the town's largest health care provider was designated a federally qualified health center.
Last week's announcement that Gifford Health Care, the parent company of Gifford Medical Center, was approved for the federal designation means that more low-income residents in central Vermont will have access to the treatment they need.
Gifford was awarded $812,500 to spend on contracts with other providers in the community, such as dentists or mental health professionals, and also grow its own services. The designation entitles Gifford to higher payments from Medicare and Medicaid and low-cost prescription drugs, and goes to the heart of reform efforts to expand primary care.
"I think the primary care foundation in health care is fundamental to any reform efforts," said Joe Woodin, Gifford's administrator. "We're trying to position ourselves to be a role model."
Federally qualified health centers are "safety net" providers that offer primary care to underserved rural and urban areas.
The funding is part of the Affordable Care Act, also called "Obamacare," and U.S. Sen. Bernie Sanders, I-Vt., hailed the awards as "a huge step forward for health care in Vermont."
The news came as a surprise to Gifford officials, who were not expecting to be approved so soon, Woodin said. Gifford has been working toward the designation for two years.
Gifford has just begun the groundwork to expand health care access in Randolph, Woodin said. The medical center will hire additional clerical staff to manage contracts with outside providers, and hospital leaders will figure out the details of where and how to grow services during the next year.
"There's going to be a lot of learning in the first year, in terms of how we roll this out," Woodin said.
Dental and mental health care will be of particular interest, as those are two areas where the entire state ha s struggled to meet the need for care. Gifford expects to work with local dentists as well as the Clara Martin Center, which has a variety of psychiatrists, therapists, social workers and other staff working in mental health, Woodin said.
The need to treat low-income Randolph-area residents has grown as the local economy struggled, said Chris Wilson, a Randolph dentist. Fewer jobs means that Randolph residents have had less access to insurance and, therefore, have gone uninsured or enrolled in Medicaid, the federal insurance program for the poor.
But the Medicaid program pays a fraction of the cost of care, and many health care professionals don't accept it. Wilson treats children who are covered under Medicaid, but not adults.
"We're just really limited in what we could do for adults on Medicaid unless we did it for free," Wilson said.
Medicaid reimbursements coming to Gifford will rise with this new designation. Wilson said he and other dentists were eager to work with Gifford to improve access to dental care.
Officials at Clara Martin were not available for comment on Tuesday or Wednesday.
In addition to expanding access, Gifford officials also hope to improve the coordination of care. Mental and oral health traditionally have been treated separately from other types of medicine, even though they clearly were related, Woodin said. A man with a tooth abscess, for example, might end up in Gifford's emergency department if the tooth goes untreated. Similarly, many hospital emergency departments end up caring for people in psychiatric crisis.
"We sort of put (mental and oral health) in categories outside of traditional medical coverage," Woodin said. "As we continue to march along with health care reform, those two disciplines are going to be brought into the fold."
Just providing access, alone, does not mean people would avail themselves of care, Wilson said. Some people are afraid to go to the dentist, he said, and oral health needs to be something that patients value as part of their overall health. In that respect, Gifford's award has limits in what it can do to improve the health of the population in Randolph and surrounding communities, Wilson said.
"Access to care? Yes, that (funding) will hugely help," Wilson said. "(Patients) valuing the service? I hope so."
Officials at Bi-State Primary Care Association, an advocate of primary care in the Twin States, said they expected Gifford to fill a big gap in primary and preventive care in Vermont. Gifford's catchment area extends from White River Junction to Berlin, Vt.
The Bi-State association worked with Gifford on the application to become a federally qualified health center, and Chief Operating Officer Lori Real said Gifford's "model of care is transformative" and would serve its communities well.
"We were impressed by Gifford's deep roots in the communities they serve," Real said in an email. "We're very excited about the comprehensive model of care they have transitioned to for the purpose of improving access to primary and preventive care in the region."


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par mstewart20
Guru is reinventing the way you share sales knowledge and assets with your team, providing access to verified information from experts on your team; where you work and when you need it most.
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Using salesforce.com as one example, as a rep configures an opportunity and indicates fields like industry or competitor, Guru will assemble the case studies and competitor positioning you want your reps to use.
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|Bon Appetit
Thanksgiving is over, so here I am taking down my fall decorations and, getting ready to put up my Christmas lights. We are having unusually warm weather here so, I also spent several hours in my garden cutting back my raspberries. I was then able to get my bushes in the front yard covered with some netting to protect them from the deer. In the midst of all my work, I was looking for something easy and comforting for dinner. We have eaten leftover turkey for the last few days, and quite frankly, I am not in the mood for more turkey in any form. All those rich foods have left me craving something warm and satisfying. I will be making a turkey soup this week, but tonight I decided on making Pasta Fagioli. A favorite in my house! This is an easy dish to prepare and, when served with some nice crusty Italian bread, it's just about as good as it gets.
Pasta e Fagioli is pronounced many different ways, depending on the Italian dialect. It is considered a peasant dish. If you have a chunk of parmesan cheese in your possession, cut off the rind and cook it along with the vegetables. It gives the soup a wonderful flavor.
|A pot of comfort and satisfaction
|So nice for a cold day
Pasta e Fagioli
(Macaroni and Bean Soup)
2 cups either ditalini, small shells, or elbow macaroni
2 Tbsp. olive oil
2 cloves garlic, finely chopped
1 onion, chopped
1 ½ Tbsp. parsley, finely chopped
2 to 3 fresh basil leaves
½ teaspoon salt
¼ teaspoon black pepper
2 cups plum tomatoes, chopped coarsely
1 can with liquid cannellini beans (I use Progresso)
1 qt. of warm water
grated parmesan cheese
In a large heavy saucepan heat olive oil and saute onion, and garlic till tender about 5 minutes. Add tomatoes, basil, parsley, salt and pepper and simmer 10 minutes. Add warm water and beans and bring to a boil. Cook about 10 more minutes. Stir in the pasta and boil uncovered for 10 to 12 minutes or until the macaroni is cooked; stir frequently to keep from sticking. Serve hot and top with grated cheese. If desired you could add crushed red pepper. Serve with some crusty Italian bread.


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A leap ahead of other gaming systems, this VR-Ready CLX SET gaming desktop has the power and performance you demand! It sports a 3rd Gen 8-core AMD Ryzen 7 3700X 3.6GHz processor (max boost speed of 4.4GHz) and 16GB of DDR4 memory. The 6GB GeForce GTX 2070 video card delivers eye-stunning graphics and even supports next-gen VR devices. Meanwhile, the 960GB solid-state drive provides a perfect blend of speed and storage.
And it isn't just the insides that look great; the CLX SET is housed in a sleek mini tower gaming chassis, designed for maximum expandability and airflow. With both wired and wireless networking capabilities, you can game how you want, where you want. They even pre-install Microsoft Windows 10 Home, and include a wired RGB gaming keyboard and mouse, so you can be up and playing like a pro on your favorite games in no time!
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AGP (Accelerated Graphics Port): A computer with an AGP will allow you to add a video card that will greatly increase the speed at which the computer can display graphics.
Bus: Refers to the path data travels on through a computer. Different computer models can have different bus speeds.
CD-R (Compact Disk Recordable): This is a CD that can be recorded or "burned" only once.
CD-ROM (Compact Disk Read Only Memory): A CD that stores information a computer can read but not alter. A CD can hold less information than a DVD but is also less expensive.
CD-RW (Compact Disk Re-Writable): This is a CD that can be recorded and re-recorded many times.
DVD-ROM (Digital Video Disk Read Only Memory): A DVD that stores information a computer can read but not alter. A DVD can hold more information than a CD.
DVD-RW (Digital Video Disk Re-Writable): This is a DVD that can store computer information that can be recorded and re-recorded many times. A DVD can hold more information than a CD.
Ethernet: A common method of connecting computers to a Local Area Network or LAN. Most computers today have ethernet capability.
Gigabyte (GB): This is a measurement of hard drive capacity. One gigabyte is equal to about one billion bytes.
Gigahertz (GHz): This is a measurement of processor speed. One gigahertz is equal to one billion hertz.
Hard drive: Also called a hard disk. This is where the computer permanently stores information, including the operating system and other software. This size of a hard drive is usually expressed in gigabytes (GB).
Hardware: The physical components of a computer system such as the keyboard, monitor and tower.
LCD (Liquid Crystal Display): This is a type of monitor that has a flat screen as opposed to a more traditional curved glass tube screen. LCD monitors are thin and lightweight and have little to no glare.
Megabyte (MB): This is a measurement of hard drive capacity. One megabyte is equal to about one million bytes.
Megahertz (MHz): This is a measurement of processor speed. One gigahertz is equal to one million hertz.
Memory: Also referred to as RAM, or Random Access Memory. This is where the computer temporarily holds the data it needs to perform various functions. The more RAM a computer has, the less often it has to read information off of a disk.
Modem (MOdulator/DEModulator): This is a device that allows a computer to connect to the Internet.
PCI (Peripheral Component Interconnect): A computer can have one or more PCI slots, which allow you add on extra components such as sound cards.
Processor: The computer's "brain." Processors are gauged by how fast they can access and interpret information, and this speed is measured in either megahertz (MHz) or gigahertz (GHz).
RAM (Random Access Memory): The amount of RAM in your computer determines how much data your computer can handle at once. If a computer only has a small amount of RAM, the processor must work harder to shuffle data around, which results in slower performance. There are two basic types of RAM:
SDRAM (Synchronous Dynamic Random Access Memory): This is the traditional, less expensive type of RAM. It is still commonly found on low and mid-range models.
DDR (Double Data Rate): This newer technology is faster than SDRAM, but also more expensive.
Resolution: The number of pixels per square inch displayed by a monitor. Most monitors support many different resolutions. The higher the resolution, the sharper the picture displayed.
Scanner: A device that can read text or images printed on paper (including photographs) and translate the information into an electronic computer file.
SCSI (Small Computer System Interface): Pronounced "scuzzy," this is a way for external components such as a keyboard, mouse and printer to connect to a computer. It has been largely replaced by USB technology.
Software: A general term for computer programs.
USB (Universal Serial Bus): This is a common way for external components such as a keyboard, mouse and printer to connect to a computer. Unlike older SCSI technology, USB devices can be added to and removed without having to reboot the computer.


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Date November 17, 2020 Time 9:00 am PDT Speaker Dr. Colin Campbell
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text: Welcome to a community where all are welcome. From amateurs to experts of Warcraft 3 modding, everyone is free to interact with our friendly users and staff. Any questions concerning the Warcraft World Editor or Warcraft itself be sure to ask, we will help you in anyway we can. Do not forget to stop by our useful resources, maps and modding tools which are all at your disposal. Wc3C.net is home for various great projects like Project Revolution, vJass and the Jass New Gen Pack. Register an account today and join one of the greatest modding communities out there!


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text:
We've Moved - Please checkout our current site
Contemporary pro DJ equipment has moved light years beyond the traditional turntable, headphones, and vinyl. The job description is the same - fill the dance floor - but the tools have changed. DJ audio equipment today includes samplers, digital audio interfaces, and sophisticated beat-matching and music library software. Since the DJ booth is looking more and more like a recording studio, it makes sense to talk to the techs at Sonic Circus for all of your DJ hardware and software needs.
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Death was an experience I do not care to repeat. I have set the account down in it's fullness elsewhere. As this is my common book, certain to be had before many eyes, perhaps even before my death, it is not something that should be here for all to see. It was so close a duel. But he beat me by a sliver of time. I remember falling... falling into darkness. Sounds sliding away from me as I became aware of the sound of a great machine marking time beneath the threshold of awareness. As it stopped,
We made our way carefully to the place of burial. There we were able to find what my mother was looking for. Since we were bound to not disturb anything, I memorized what I saw. We also found the skeleton of a woman, in fine garments. My mother. I wonder if what she found was worth her efforts. What were her desires for my destiny? How did I come to be the sole survivor, a helpless babe? It seems that finding the secrets of my past has simply revealed new secrets underneath.
As we
My heart was heavy when the high-priest came to us. His face was stern, austere. In a flash of inspiration, I beseeched him to permit me to address the tribe before the verdict was given. To my relief, he acceded. Prepared with some minor magical oratory enhancement to aid me, which I felt safe in using, as it did not directly affect any of the tribal members I addressed, I stood and presented myself. I drew upon my memories of my early life with my first-kin, and guessed at customs that we would
The wind never ceases. It gentles from time to time, but is a constant presence. It looks over my shoulder as I write, it swirls around Arielle as she stands watch, it enters and leaves my sleeping companions, and surely it hounds the footsteps of the stranger who sought to offer our heart's desire. My fasting gnaws at my middle, resolutely ignored. Doubts prey upon my mind. Yet within this sandstorm of half-seen movements, there is a core of certainty.
I had promised the high-priest
The following morning saw us heading for the rock outcroppings that form the windbreak that protects the oasis. I found it interesting that none of the shelters have been erected near the cave opening. The inside is cooler than the outside, but as we penetrate deeper into the cavern, the air grows curiously warm. At the second turn, Pik stopped momentarily, and pointed to a hollow in the floor. Later I spoke with him and confirmed my suspicion. According to the lore of my first-kin, that is where


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Playing with Fire by Jack Sommersby
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Borat Subsequent Moviefilm by Peter Sobczynski
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Privacy Policy from Caranddriver.com. The live version of this document is available at http://services.hearstmags.com/media/cm/hfmus/y.... This document is a part of Docracy's Terms of Service Tracker project, which tracks changes to terms of service and privacy policy documents of many of the world's top websites.
Your Privacy Rights
Hearst Magazines, Inc. Online Privacy Policy
Last Updated: February 7, 2011
This Privacy Policy governs the Web sites and online services on which it is posted. This includes our Web sites, Wireless sites designed for access from mobile devices, applications (including those accessed from third party online services such as social networks) and other electronic services (each referred to in this Privacy Policy as an "Online Service").
The Online Service is published and maintained by Hearst Magazines, Inc. ("HEARST"), with offices located at 300 West 57th Street, New York, NY 10019. This Privacy Policy governs HEARST's collection of information through the Online Service and our use and disclosure of such information. Except as set forth herein, this Privacy Policy does not apply to information HEARST collects in connection with your subscription to any of our print publications.
You may opt out of our sharing of your personal information with third parties for marketing purposes by following the directions in the Right to Opt Out section below. Advertisements displayed to you through the Online Services and elsewhere online may be customized to your interests and preferences, based on your Personal Information and Usage Information derived from your use of our Online Service, as well as information about your use of other Web sites and online services. To opt-out of this, [click here].
By visiting or using this Online Service, you agree to the terms of this policy as they may be amended from time to time. As we update and expand our services, this policy may change so check back to this page from time to time.
Your privacy is a serious matter to HEARST. In order to make your use of our Online Service as worthwhile as possible, we collect certain information from your computer or device each time you visit us and sometimes we ask you for Personal Information. This privacy statement explains what Personal Information and Usage Information is collected through our Online Service, how the information is used, and with whom we may share such information. Please take a few minutes to read our privacy policy so that you understand how we treat your information.
Right to Opt Out
You have the right to "opt-out" of certain uses of your Personal Information. At the time you are requested to provide Personal Information through this Online Service, you may have the opportunity to elect to, or not to, receive e-mail offers from HEARST or have your Personal Information shared with other companies. You may also make this request by sending an e-mail to [email protected]. In this e-mail please identify which Online Service you are referring to and say whether you would like to opt-out of (i) receiving e-mail offers from that Online Service (ii) having your Personal Information shared with other companies or (iii) both. You may also opt-out of HEARST e-mails by clicking on a link within the email you receive. Please understand that if you opt-out of receiving e-mails from HEARST, we may still contact you by e-mail in connection with your account with us or to provide you with important information about HEARST or this Online Service. Also, a request to have us stop sharing your Personal Information with other companies will only apply going forward from the date of the request, and HEARST will not be responsible for any communications that you may receive from companies that received your Personal Information prior to such request. In these cases, please contact that company directly.
Attention Kids
If you are under the age of 13 (12 or younger), you may not provide any information about yourself to this Online Service. While you may view content on the Online Service, you may not register with the Online Service, enter any of our sweepstakes or contests, or participate in any of our chat rooms, bulletin boards or other activities that would let you enter information about yourself. If we learn that you have provided information about yourself to this Online Service, we will delete such information.
Note to Parents.
HEARST will not knowingly collect personally identifiable information from kids under 13. If you have any concerns about this Online Service, wish to find out if your child is a member of one of our Online Services, or wish to cancel your child's membership, please contact us at [email protected].
What Information is Collected through this Online Service?
User Provided Information
HEARST does not collect any Personal Information such as name, address or e-mail address on its Web sites without the knowledge and consent of the individual submitting such information. Such information is collected, for example, through registration forms, games, sweepstakes and contests and through voluntary online questionnaires that appear from time to time on some Online Services. "Personal Information," includes your name, home or other address (like a school), e-mail address, telephone number, and/or any other information that may identify you or allow online or offline contact with you. We occasionally update or enhance the Personal Information we have about you with Personal Information about you that we obtain from third parties such as data aggregators.
We may also ask you to provide other information about yourself such as your age, hobbies, likes, dislikes, etc. You may be able to send information about our products and services to your friends and family members through our Online Service by clicking on an "E-mail to Friend" or similar feature on our Online Service or in a message that we have sent you. In some of these cases (unless you simply forward our message on your own), you may provide the name and e-mail address of your friend or family member to us. Such information will be treated in accordance with this Privacy Policy and applicable law. It is your responsibility to ensure that your friend or family member consents to this.
You may review the Personal Information that you have provided to HEARST's Online Service by e-mailing [email protected] or writing to HEARST at 300 West 57th Street, New York, NY 10019 ATTN: Office of the General Counsel. We will send you a copy of such Personal Information we have on file in your user account (if any). You may send us new or updated information at any time via e-mail or mail.
Usage Information
Any or all of the following activities with regard to Usage Information (i.e., cookies, beacons, IP addresses and clickstream data) may be performed by us or on our behalf by our services providers:
We try to provide you with services, products and offers customized to your interests. In order to do that, we may use "cookies" and "local shared objects" to keep, and sometimes track, information about you. Cookies are small pieces of data that are sent to your computer or device from a server and stored on your computer's or device's hard drive or memory. Local shared objects are also files that are stored on your computer or device using a media player that is installed on your computer or device (such as a Flash player) or using HTML5, which is the language that your computer or device uses to communicate with our servers.
fsWe may use cookies and local shared objects to access your account information (stored on our computers) in order to deliver better and more personalized services and promotions to you; estimate our audience size for our advertisers; assist in processing items in your shopping basket; track the number of entries in our promotions, sweepstakes and contests; identify which areas of our Online Service and the Web you have visited; and optimize our ads on the Web and on search results pages. Cookies and local shared objects do not gather any Personal Information about you; they simply track where you travel on the Online Service and what you look at. (Cookies and local shared objects may, however, store your login name which allows you access to some of our Online Services.) In doing so, they may enable HEARST to relate your use of the Online Service to Personal Information that has already been submitted. We may also match information obtained from cookies and local shared objects with data provided by you or collected by third parties. We analyze this data both in the aggregate and in connection with individual users. This information lets us give you the services you want that are connected with your interests. We also provide the analysis of our users (as a group, of course) to prospective partners, advertisers and other third parties. Many other sites and services use cookies and local shared objects for very similar purposes.
Most browsers can be set to inform you when a cookie has been sent to you and provide you with the opportunity to refuse that cookie. Similarly, most media players that enable local shared objects can be set to manage local shared objects. As an example, Adobe's Flash player allows you to manage local shared objects (otherwise known as "Flash cookies") though its Flash Player Settings Manager. You may be able control the use of HTML5 local shared objects by reducing the amount of space you allow for them through your Web browser's settings. Refusing a cookie or local shared object will generally not interfere with your use of an Online Service. However, refusal may, in some cases, preclude you from using features of the Online Service that require registration. You may occasionally get cookies from our advertisers. These cookies are sent from third-party computers and are subject to such third parties' policies.
By using our Web Site, you consent to our use of cookies and local shared objects as described above.
We may also use beacon technology to help track usage of the Online Service. Beacons (also called single pixel gifs or action tags) allow HEARST and our service providers and business partners to track page viewing counts and patterns, which we use, for example, for future service development and to measure the effectiveness of marketing campaigns. We may also use beacons within the context of certain emails to determine the effectiveness of the mailing.
Advertising Partners
To the extent that the Online Service carries advertising by third parties, HEARST's digital advertising technology companies, which include, but are not limited to, AOL, Audience Science, BlueKai, Collective, eXhalate and Google also use cookies, beacons and other technologies. The non-personally identifiable information collected by these companies, for example, about your visits to this and other sites and services is used for the purpose of targeting ads and measuring ad effectiveness on behalf of advertisers and publishers who specifically request it. For additional information on the information that is collected by HEARST's digital advertising technology vendors and to know your choices about not having this information used by them, please click on their names (above) or visit http://www.networkadvertising.org/consumer/opt_out.asp.
IP Address
Our server automatically collects data about your Internet Protocol address when you visit us. This information, known as an IP Address, is a number that's automatically assigned to your computer or device by your Internet service provider whenever you're online. When you request pages from HEARST, our servers log your IP Address. HEARST uses IP Addresses for internal system administration, to help diagnose problems with our server, to report aggregate information to our advertisers, and to administer our Online Service. Your IP address is also used to gather broad demographic information, such as your country of origin, geographical location, and Internet Service Provider (i.e. AOL, Earthlink, etc.). Our server cannot automatically record your name or address, but we may link this information with your Personal Information.
Clickstream Data
Our servers may also record the Web page from which you linked to our Online Service (e.g., another Web site or a search engine); the pages you visit on our Online Service; the Web site you visit after this Online Service; the ads you see and/or click on; other information about the type of Web browser, computer, device, platform, related software and settings you are using; any search terms you have entered on this Online Service or a referral site; geographical location; and other usage activity and data logged by our servers. We use this information for internal system administration, to help diagnose problems with our server, and to administer our Online Service. We may also link this information with your Personal Information.
How is the information used?
We will use the Personal Information you provide through our Online Service to fulfill your specific request. For example, Personal Information will be used to enter you in a sweepstakes or contest, to send an e-newsletter or fulfill a product or service order. We may also use your Personal Information to maintain our internal record keeping. In addition, we may send you e-mail notices about products, services, companies and events that we think might interest you. You may opt-out of receiving future mailings from us by following the instructions in the e-mail you receive from us or sending an e-mail to the e-mail address provided in the Right to Opt-Out section above. We may match information collected from you through different means or at different times, including both Personal Information and Usage Information, and use such information along with information obtained from other sources, including our other sites and services, print publications and third parties, and such merged information will be treated in accordance with this Privacy Policy.
Your Personal Information may also be used for other purposes that may be disclosed at the time your information is requested. Does HEARST share Personal Information and Usage information with others?
Through the Online Service, HEARST may provide visitors an opportunity to receive offers from advertisers and other companies who have services, products and offers that we think might be of interest to you. If you do not at that time indicate a preference not to receive such offers, HEARST will from time to time provide your contact information to these entities so that they may send you these offers. If you change your mind and no longer want us to share your contact information with others, send an email to the email address provided in the Right to Opt Out section above.
If you provide information to HEARST in connection with a sweepstakes, contest or other promotion that is being conducted with another entity or site, the information you provide may be used for the purpose for which you provided the information and may be shared with that partner.
HEARST reserves the right to analyze user behavior as a measure of interest in and use of the Online Services and HEARST e-mails. HEARST may disclose such analyses to advertisers or other third parties in the form of aggregate data, such as overall patterns or demographic reports that do not describe or identify any individual user.
Public Forums
When you contribute to a public area or feature of our Online Service, such as a chat room, bulletin board, list serve, blog, wiki or other communication or community tool or area, the information that you submit or post will be made available to the general public. For this reason, we recommend that you do not submit any sensitive information, including your full name, home address, phone number, other information that would enable other users to locate you, or financial information on these areas of our Online Service. Instead, make up a username that does not disclose your personal identity.
When you comment or click "Like It" on an article or other content on our Online Service using Facebook Connect or a similar feature of Facebook or another social network, your comment or "Like It" opinion will be displayed on our Online Services and also on your own social networking profile, and it will be viewable by anyone who is able to view your social networking profile depending on the privacy settings you have set in your social networking account. Depending on how you have set the privacy settings in your social networking account, your posting may be broadcasted to other users of the social network. The privacy policies of your social network service also apply to the information you provide using these features.
When you participate in our user community platforms at third party sites such as Facebook, tumblr.com and others, the information you submit will be received and used by such third party platforms, pursuant to their privacy policies, and will also be received by HEARST for its use in accordance with this Privacy Policy.
Service Providers
We may use third party partners to help operate our Online Services and deliver our products and services, and may share your information with our affiliates, service providers and other third parties that provide products or services for or through this Online Service or for our business (such as site or database hosting companies, address list hosting companies, e-mail service providers, analytics companies, distribution companies, fulfillment companies and other similar service providers that use such information on our behalf).
Legal Authorities
We may disclose user information to government authorities, and to other third parties when compelled to do so by government authorities, or otherwise as required or permitted by law, including but not limited to in response to court orders and subpoenas, at our discretion. We also may disclose user information when we have reason to believe that someone is causing injury to or interference with our rights or property, other Online Service users, or anyone else that could be harmed by such activities.
Business Transfer
In the event that HEARST or substantially all of its assets or the assets related to this particular Online Service are acquired by one or more third parties as a result of a merger, sale, consolidation or liquidation, customer Personal Information may be one of the transferred assets.
Consent to Transfer
By providing Personal Information to this Online Service, you understand and consent to the collection, maintenance, processing and transfer of such information in and to the United States and other countries and territories which may have privacy laws that are less protective of privacy than the laws in your own country. You also acknowledge that governmental and other authorities in the United States and other countries and territories to which such information is transferred may have a legal right to obtain access to or the disclosure of such information.
Access to other sites through the Online Services
When you are on an Online Service, you may have the opportunity to visit, or link to, other sites not operated by HEARST. These sites, some of which are HEARST advertisers and partners, may collect personally identifiable information about you. HEARST does not control sites that are operated by others and is not responsible for the information practices of these sites and this privacy statement does not address the information practices of those sites or advertisers.
HEARST's Right to Change this Policy
HEARST reserves the right to change or update this Privacy Policy, or any other HEARST policy or practice, at any time and will notify users of such changes or updates by posting them on the Online Service and/or by additional means as determined to be appropriate under the circumstances. Any changes or updates will be effective immediately upon posting to the Online Service. Depending on the nature of the change, we may seek your consent to the change via email or through the Online Service itself.
HEARST will take reasonable steps to protect the security and integrity of all Personal Information provided to the Online Services, dependent on the sensitive nature of such information. However, due to the inherent nature of the Internet as an open global communications vehicle, HEARST cannot guarantee that this information will be absolutely safe from intrusion by others, such as hackers. Any unauthorized access to or use of the Online Services or information collected and maintained by the Online Services should be immediately brought to the attention of HEARST at the e-mail address below. HEARST will investigate, and if necessary take action to prevent or halt, any violation of this Privacy Policy of which it becomes aware.
If you contact us by e-mail or a "contact us" or similar feature on our Online Service, you should be aware that your transmission might not be secure. A third party could view information you send by these methods in transit.
You may be able to create an account on our Online Service with a username and password. If so, you are responsible for maintaining the strict confidentiality of your account password, and you shall be responsible for any access to or use of the Web Site by you or any person or entity using your password, whether or not such access or use has been authorized by or on behalf of you, and whether or not such person or entity is your employee or agent. Please notify us of any unauthorized use of your password or account or any other breach of security.
We will have no liability for disclosure of your information due to errors or unauthorized acts of third parties during or after transmission.
If you are requested to send us any sensitive personal information, such as your credit card number, password, membership number or pin number, in an e-mail or into a site or otherwise, and you are uncertain whether such request is authorized by us, please do not hesitate to ask us by sending an e-mail to our privacy officer at [email protected]. In the unlikely event that we believe that the security of your Personal Information in our possession or control may have been compromised, we may seek to notify you of that development. If a notification is appropriate, we would endeavor to do so as promptly as possible under the circumstances, and, to the extent we have your e-mail address, we may notify you by e-mail. You consent to our use of e-mail as a means of such notification. If you prefer for us to use postal mail to notify you in this situation, please e-mail us at [email protected] with the alternative contact information you wish to be used.
Privacy Contact Information:
Hearst Magazines, Inc.
Attention: Office of the General Counsel
300 West 57th Street
New York, NY 10019
Phone: 212-649-2047
[email protected]


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Find Our Latest Video Reviews on YouTube!
If you want to stay on top of all of our video reviews of the latest tech, be sure to check out and subscribe to the Gear Live YouTube channel, hosted by Andru Edwards! It's free!
Wednesday June 15, 2011 2:45 pm
Comcast Spectrum will bring revamped Xfinity guide, Facebook to your TV
Posted by Andru Edwards Categories: HDTV, Home Entertainment
Comcast is set to show off the next evolution of their Xfinity TV offerings, which they are calling Xfinity Spectrum, tomorrow at NCTA 2011. We've gotta say, Comcast has been long overdue for a revamp, and it's nice to see that the company is looking to step things up in a major way. As you see in the video, things are much more integrated and easier to navigate. You're even able to share things about your viewing habits with Facebook, and of course this is likely the way that Comcast will bring Skype to your television. No word yet on how long it'll take to roll these boxes out, or when it will start, but let's just keep our fingers crossed on that one. Hit the video above for a look at the new hotness.
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