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How do you provide high-level retirement income advice to your clients? It's a single question with multiple answers—and it's reshaping the geography as advisors search for ways to address what could be the toughest challenge of their careers.
"This is a much bigger 'big picture' change than most people are comfortable with. In retirement, you must operate at the household level, not the account level. In the investment management days, we were able to limit ourselves to working with a client's financial capital. In retirement, it's human capital, social capital and financial capital," observes François Gadenne, chairman of the Retirement Income Industry Association. "A lot of advisors have been in denial. But you can't outrun this. To do this job today, the investment manager has a new name: retirement management professional."
While many remain highly confident in their ability to serve retirees, one research study suggests there is an undertone of worry among advisors—not only about the soundness of their retirement income strategies, but about continuing market volatility, alarmingly low interest rates and uneasy clients who just aren't sure what to make of retirement planning anymore.
The report from GDC Research and Practical Perspectives, "Trends in Advisor Delivery of Retirement Income 2012," tags it "the confidence dilemma." As Howard Schneider, who heads Practical Perspectives, frames it: "It's like advisors are walking down a dark alley with this sense of bravado about them, but they are constantly looking over their shoulders and wondering: Aren't there better things I can be doing for my clients? How do I stay on top of everything given all that's swirling around? It's an enormous challenge."
That nagging worry is also deeply affecting clients across income levels. As an example, the latest Affluent Insights Survey from Bank of America-Merrill Lynch revealed this surprising nugget: Four out of five respondents with $250,000 and above in investable assets worry that they won't be able to accomplish certain financial goals before they retire. Forty-two percent say they're concerned they haven't saved enough to sustain their lifestyle in retirement, and just over one-quarter report they're unsure they will be able to pay off or invest more in their current home, or have the inheritance in place they had wanted for their heirs.
"In the new normal that is this economy, these things may not happen," notes Bill Hunter, head of personal retirement solutions for Bank of America-Merrill Lynch. "And whenever there is uncertainty, you look for advice or counsel. Because of the uncertainty, the conversations with clients are going to be very broad and very meaningful. This is a time to assess different priorities and different goals. It's a new normal for everybody."
Notably, financial services firms are ramping up their retirement income offerings. A Hearts & Wallets industry survey found that, in 2012, 77% of firms rated retirement income solutions as vitally or very important to strategic planning initiatives over the next one to three years, as compared to 57% in 2010.
What are the qualities of leading retirement income advisors today?
First, says Schneider, retirement income advice is something they deliberately focus on. It is an important element, if not the most important element, of their practice. Tied to that, top advisors have well-developed processes and capabilities. Finally, the best advisors support both traditional and non-traditional needs that arise in retirement. That includes tackling questions about Social Security optimization, Medicare, health care coverage, nursing home care and lifestyle considerations. And, in today's vexing environment, successful retirement income advisors are also helping clients make trade-offs.
"They're helping clients develop a realistic vision of life in retirement. Retirement is no longer that commercial vision of the beachfront house. Inevitably, it will involve trade-offs because there may not be the income to do all the things you truly wanted to do," Schneider says. "Asset accumulation was about focusing on a rate of return and target of when you needed that money by. Retirement income is trickier, it's about juggling objectives. Today, it's about being much more than an investment advisor. It's almost like being their advocate."
Here's a look at emerging trends in the retirement income space:
Revamping Compensation
Industry statistics suggest it takes advisors more than twice the amount of time to provide retirement income advice when compared with investment management. But how do they charge for it? Recent research from Hearts & Wallets shows that 81% of firms say that advice on Social Security should be within the scope of an advisor's offering, up from 65% in 2010. Yet as Hearts & Wallets principal Laura Varas puts it: "Social Security, Medicare, thinking through health care risk—these are not activities that historically have had compensation tied to them. Meanwhile, investors are asking: What do you do? How do you get paid? Free advice just contributes to the confusion. Why is it free? Nothing is free."
Shannon Reid, director of retirement solutions for Raymond James Financial, agrees that compensation needs be addressed head on. One possible alternative: a law office-like model that involves an hourly fee. But, Reid adds, "For the most part, advisors are not getting paid for this kind of advice. They're offering it as the price of doing business. There are not many models out there yet."
Losing "the Number"
For the past few years, financial services firms have urged investors to come up with "the number": the amount of money they need to save in order to retire comfortably. The trouble is the number — $1 million, $2 million, $3 million — simply scared people. "People say: 'You're kidding me, I'm never going to save $3 million.' And they'd walk away frustrated and not do anything," says Hearts & Wallets Principal Chris Brown. Increasingly, he adds, industry thinking is shifting to an approach that involves optimizing among trade-offs and creating a goal that is achievable.
"Now, it's much more about: How much do you want to take per month in retirement? How much do you have now? What will you likely get from Social Security? What about work income and other income streams? Then you figure out you have an 80% chance of reaching that goal," says Brown. "That then allows you to tweak it a bit. It takes the focus away from that big number to what are the odds and what can you do to increase the odds. That's a big plus." Also emerging: calculators that for the first time take work income in retirement into account.
Rethinking Withdrawal Rates
The 4% rule has been the gold standard for years but it is losing its luster as the academic community and others look for more efficient sustainable withdrawal strategies. The big problem with the 4% rule is that it only applies to married couples who are age 65 and it doesn't factor in life expectancy or market volatility, according to David Blanchett, head of retirement research for Morningstar Investment Management. As a practical matter, Blanchett likes a strategy based on the required minimum distribution methodology established by the IRS for qualified plans. The calculation: one divided by life expectancy. In other words, if your life expectancy is 12 years, your withdrawal rate from your portfolio would be 8.3%. If it's 30 years, it would be 3.33%.
"This is a better way to think about it than 4% for everyone. Most research on income strategies [assumes] you make a decision and do the same thing for 30 years and never revisit it," says Blanchett, co-recipient of the 2012 Thought Leadership Award from the Retirement Income Industry Association. "This is one of the strategies we've tested and it works quite well. It's a reasonable alternative to the more common constant dollar and constant percentage of assets withdrawal strategies. The moral of the story: You need to think about what is an okay amount of income every year."
Seeking a New Framework
There remains no universal approach to providing retirement income support, although the use of systematic withdrawal oriented strategies appears to be declining in favor of solutions that incorporate guaranteed income, according to the latest study from GDC Research and Practical Perspectives.
In one notable shift, the report notes, many advisors are moving away from a total return approach in favor of dividend paying equity investments, variable annuities and alternative investments.
"And there's sort of a disconnect," says Schneider. "When product providers talk about retirement income, they talk in the context of a solution to provide you with income or cash flow. Advisors talk about income and cash flow but they're also talking about retirement income at a higher level, and an income strategy is just part of it: Have you chosen the right beneficiaries? Are you in a house that's too big for your needs? Should you consider a deferred annuity that can start in 20 years? Support in this area can't be done piecemeal. It's all got to be integrated and thought through in a comprehensive, consolidated approach."
Reconsidering Deferred Annuities
Given the environment, it's no surprise that the ever controversial annuity is getting a harder look. "People have different views of annuities and what they can do," says Hunter. "But when you break down the product without thinking about the label, few vehicles can support a steady stream of income for 20 and 30 years as well as an annuity."
In particular, the deferred annuity—or delayed income fixed annuity—has piqued the interest of retirement income advisors who like the income stream that typically starts at age 85, especially when coupled with Social Security payouts.
"That allows you as an investment advisor to manage the rest of the portfolio for a more finite period of time. You can be more aggressive. And it may allow the retiree to be a little less concerned about the bumps in the market, " says Jim Wright, chief investment officer of Harvest Financial Partners in Paoli, Pa. "From an advisor's standpoint, they make a lot of sense to me. We're starting to have conversations with clients about this. I do think it's something that makes a lot of sense for certain clients."
Building a New Business Model
Imagine, one day, the existence of a broker-dealer that actually brands itself as "the retirement income broker-dealer." That day has arrived.
Over the last year, Symetra Investment Services President Richard Moran has refashioned the 26-year-old firm as a retirement income specialist. The firm has roughly 400 advisors, holdovers as well as new recruits, who largely serve the mass affluent market. Symetra has partnered with Pershing, Russell Investments and PIMCO, among others. The growth plan: a network of 1,200 to 1,400 retirement income advisors over the next few years.
"Americans have never been more challenged than they are today to solve for the income equation in their retirement years. Advisors have the greatest opportunity to build their practice meeting the needs of those Americans," Moran says. "We are putting the flag in the ground. We aspire to be the very best independent broker/dealer in the retirement income space."


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Before you start your reservation online:
If you would rather speak to a real person or if you aren't offered your desired time online, please call us. We'd love to talk to you and assist you any way we can.
In an attempt to follow our State and Federal guidelines and out of an abundance of caution, Leilani's on the Beach will be temporarily closed until further notice. We are dedicated to reopening as quickly as we can and look forward to serving you again very soon. Mahalo for your Kokua and for your continued support.
June 7, 2019
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Join us from daily in our Beachside Grill and enjoy $5 draft beers, $8 tropical cocktails and $7 featured wines by the glass

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Damn my infernal pants pockets. The salesmen at the store said they would be useful for storing small personal items--car keys, loose change, lint--but he didn't warn me that they'd be a crappy place to keep my smartphone. Somehow, some way, whenever I need my phone the most, it's lodged deep in my front pocket, entrenched and inaccessible.
Sound familiar? Indeed. So a smartwatch like the Samsung's Galaxy Gear would seem to solve a lot of problems. In theory, it puts a bunch of critical smartphone functions directly on your wrist, saving you the trouble of extricating your phone from your pocket to make a phone call, snap a photo, or run a few apps.
Well, that's the promise at least. In practice, the Galaxy Gear hints and teases at what a great smartwatch could be, but never really nails any single function. It's packed with potential, and even includes support for third-party apps. But it's a challenge to use at nearly every turn, and at $369, it feels like an expensive experiment.
Niche, nerdy, and not so cute
The Gear is not a standalone product--it requires a Bluetooth connection with your smartphone to execute almost all tasks. And it doesn't just work with any old smartphone. At launch, the Gear only works with a single phone, the philosophically polarizing, 5.7-inch behemoth that is the Samsung Galaxy Note 3 (though conventional wisdom says support for Samsung's S III, S4 and Note 2 is coming).
Still interested? Then take a good, long look at the Gear's design, and ask yourself if this watch is anything you'd wear throughout the day. The watch fits my wrist just fine, and I personally find its styling to be inoffensive, if a bit techy-cheesy. But the consensus among women isn't so generous.
First, the Gear is apparently too big for many women's wrists. Second, more than half of the women I polled found it a fashion faux pas. Vintage analog men's watches can make "cute accessories," but Samsung's interpretation is a different thing entirely, it turns out. "It looks like a prop from Battlestar Galactica," said one of my female friends. And don't even think about switching the band, as Samsung's band includes the Gear's 1.9-megapixel camera, an integral part of the watch's feature set.
The bottom line is that anyone interested in the Gear must be sympatico with an extremely niche smartphone, and have man-sized wrists and a high threshold for shiny brushed metal. Still with me? Then let's continue.
Shake and wake (in theory)
The Gear features a 1.63-inch, 320-by-320 Super AMOLED display and a single-core, 800MHz processor. The display is too small to support an onscreen keyboard, so all data entry (if we can call it that) is handled by S Voice, Samsung's virtual digital assistant. With simple voice recognition commands, you can do things like check the weather, schedule a meeting, and get the time in another city. When the feature works, it's a pleasant convenience. But it didn't consistently recognize my very... carefully... enunciated... words. Google Now on my HTC One performs more reliably, and every time S Voice failed me, I lost confidence in its overall ability to perform.
Battery life is rated for a stingy 25 hours, but I found it reached its low battery warning message (which kicks in at 15 percent capacity) after about 11 hours of moderate use, two days in a row. Mind you, I wasn't using the Gear continuously. Instead, a few times every hour I briefly shot some photos, sent some texts, explored a few apps, and made some phone calls.
It's worth noting that when a smartwatch runs out of juice, you don't just lose smart functions. Your display dies, and you lose the ability to even tell time. At this point, you really need to appreciate the shiny brushed metal, because you're wearing nothing more than an expensive bracelet.
The Gear's touch screen display remains off by default, but thanks to a built-in accelerometer and gyroscope, you can (theoretically) wake it from sleep with a shake of your hand, or by simply turning your wrist and looking at the watch face. Shaking the watch almost never cajoled the display into action. The wrist-flip maneuver was much more reliable, but not consistently perfect. During testing, I often had to suffer the indignity of waking the Gear by pushing its home button. Yuck.
Regardless, once the device is ready for business, you can swipe the home screen left and right to access various functions. There's a voice memo app for five-minute audio recordings; a media controller for whatever music app you're using on your phone; a pedometer (whose step counts can be viewed in real-time, and appeared entirely accurate); and menus for Contacts, Settings and Apps, among other less glamorous features.
Your home screen can be customized with scads of different clock faces, some built into the watch, and some downloadable via your phone's Gear Manager utility. The faces range from traditional analog designs to modern digital styles, and the best ones integrate app shortcuts. For example, the "Weather clock" connects with your phone's location services to show the current temperature. Tapping on the temperature kicks you into the pre-installed AccuWeather app for a six-day forecast. But I chose the "Shortcut clock," which lets you pin three different apps to the home screen.
This clock will likely be a popular choice, as most programs are otherwise buried in the Gear's Apps menu, and require excessive menu navigation to reach. And that's a general problem across the entire Gear experience: The display is so small, there isn't much screen real estate for user interface elements, be they effective or clumsy. So you end up swiping through multiple menus, doing your best to remember whether features are hidden on the watch or in your phone's Gear Manager. The experience is riddled with logic loops, but that's what you get when you try to stuff a modern mobile UI into the footprint of a large postage stamp.
Thankfully, accessing two key features couldn't be easier. Swipe down on the home screen, and you'll drop straight into the camera app. Swipe up, and you'll go to the phone dialer. It's these two functions that speak to the potential of what a better smartwatch might look like.
Can you hear me, S Voice? Hello?
Because the Gear has a speaker, noise-cancelling mics, and Samsung's S Voice feature, it goes a step beyond the functionality of smartwatches from Pebble and Sony. When one of your contacts calls your phone (well, your giant-sized Galaxy Note 3 phablet), a notification appears on the Gear, showing the face and name of the person who called. You can accept the call with a swipe gesture, and then begin talking directly into the watch.
The phone function should be a game-changer, but poor sound quality taints the experience. The speaker can't cut through the din of even marginally noisy environments, and when volume is maxed out, the speaker gets buzzy with distortion.
Making a call is also a challenge: S Voice enables a semblance of hands-free dialing, but it's not full-proof. I have S Voice pinned as a home screen shortcut, so invoking the feature entails just a single finger tap (double-pressing the home button will also activate S Voice). From there, you wait for the microphone icon to turn blue, then utter, for example, "Call Christopher Walken." If you have Christopher Walken in your phone's contact list, then you're off to the races, enjoying a rewarding phone conversation about how much you both love hot dogs.
Well, that's how it's supposed to work. Oftentimes, S Voice couldn't understand me, exposing the digital assistant's struggles with difficult, multi-syllable names, and windy, noisy environments. I found myself constantly repeating my words, re-engaging S Voice, waiting for confirmations, and back-navigating to earlier menus. When it worked, I loved it. When it didn't work, I found hands-free watch dialing more frustrating than just using my phone.
The ultimate creeper camera
The Gear's camera offers the best user experience in the entire smartwatch package. Samsung describes its image capture as "memography," and it's an apt term, as I found the watch was a reliable tool for snapping quick visual notes of the world at large. Taking a photo is a simple matter of staring at the watch face to frame your shot, and then saying "cheese," "smile," "capture," or "shoot" to activate the digital shutter with S Voice. (S Voice didn't have any trouble interpreting these four commands.)
The Gear's camera lens is located on the band, where it blends in to the point of being invisible. When taking shots in public, you appear to others as a person staring at his watch, making the Gear a photo-creeping system that's even more subversive than Google Glass (a piece of hardware that announces its presence wherever you go). I appreciate the anonymity of memography, but encourage other Gear owners to use its powers for good, not evil.
Pics max out at 1392-by-1392, but that's more than sufficient for low-investment, moment-in-time image capture, and image quality is surprisingly noise-free and color-correct. A hokey Galaxy Gear watermark is turned on by default, but can be killed from an options menu. The camera can also shoot 15-second clips of 720p video, but you do so at the risk of consuming the watch's 4GB of storage at a heartbreaking pace.
Indeed, after shooting 50 photos, an onscreen message told me I had reached my maximum number of shots. To make room for more, you can transfer images to your phone over the Bluetooth connection--but that only drains battery life further.
Sadly, the Gear can't directly share an image via text message, email, Twitter, Instagram or Facebook. You'll be doing all that fun stuff from your phone, which reminds us that the Gear is something of a dumb terminal, and also suffers a dearth of high-profile apps.
You say appy, I say crappy
Samsung says the Gear is launching with more than 70 apps. That might sound like a really small number, but I'll argue it's far too many. With its teeny-tiny screen, it's difficult to display meaningful content on the Gear, let alone interface elements for navigation. Sure, you can use S Voice to maybe, hopefully enter text, but even reading text on the watch is a challenge.
Maybe this is why Samsung didn't include email functions. And maybe this is why Facebook, Twitter and Instagram aren't Gear launch partners. A crappy app experience is almost always worse than no app experience at all. Nonetheless, a handful of third-party developers have decided to throw down, and their apps (which can only be downloaded from Samsung's Gear Manager utility) range from meh to categorically lame.
Take Tweet Quickview, an app that let's you read (but not send) tweets. The UI is crowded to the point of absurdity, and all embedded links are visible but not clickable. Or take Speedometer, an app that hooks into your phone's GPS to report your walking or running speed over time and distance. It sounds good in theory, but do you really want to go jogging with a Galaxy Note 3 strapped to your arm? And because the Gear can't multitask, you can't have Speedometer running in the background while using other apps.
Then there's Vivino. Open the app and snap a photo of a wine bottle label. If the label is in Vivino's database, you'll get a crowdsourced review rating, and information on food pairings. Sounds wonderful, right? Unfortunately, it misidentified two thirds of the labels I scanned.
Paradoxically, the one third-party download that didn't disappoint me is SnapChat, an app I never use with my everyday smartphone. It works just as advertised on Samsung's watch, though it's missing a critical SnapChat function: Because of the positioning of the camera on the watch band, it's essentially impossible to take selfies! But maybe that's OK, because I don't think that many teenage girls will be dropping nearly $400 on this particular smartwatch anyhow.
Bottom line
Before the Gear launched, I was convinced I needed a smartwatch. But now that it's here, I'm changing my story. Every time the Gear promised me something wonderful, it let me down with compromises.
Want a beautiful screen and enough processing power to run apps? No problem. But you'll need to suffer poor battery life in return. Want to make calls without using your phone? We got you covered. But you'll have difficulty dialing contacts, and hearing callers once they're finally on the line. Want to take some photos with your watch? You can do that too. You just won't be able to take very many images, and sharing them with friends will be a chore.
And the final insult? That dizzying $369 price tag--and that's after you buy the new Galaxy Note 3. Jeez, really? Suddenly fishing my smartphone from my pants pockets a bazillion times a day doesn't seem so bad.


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Nicki Minaj, is that you?
The over-the-top rapper got a makeunder for a recent Elle photo shoot and Minaj admitted that parting ways with her Barbie style, even for a few hours, was hard.
"I'm so, so attached to my pink lipstick, it's hard," Minaj said. "I feel that it's become a part of me. To go in front of the camera, without pink lips or big ol' crazy lashes— you know, nothing— I felt naked. It was scary! So this photo shoot was a real accomplishment in my eyes."
Check out the most dramatic celebrity makeoversIn the April issue of Elle , the American Idol judge also shared her experiences with bullying and offered advice to women on how to command respect."My advice to women in general: Even if you're doing a nine-to-five job, treat yourself like a boss," Minaj said. "Not arrogant, but be sure of what you want— and don't allow people to run anything for you without your knowledge. You want everyone to know, 'OK, I can't play games with her. I have to do right by this woman.' That's what it's all about."What do you think of Minaj's fresh-faced look?


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Post Office Relocations: Having Your Say
People care a lot about their local post offices, at least if the number of news stories on the topic and the comments we receive on our blog and Audit Project pages are indications.
For some, the neighborhood Post Office serves as everything from the source of a community's name and identity, to a spot where neighbors can connect and keep track of each other. Of course the Post Office is also the place where folks drop off holiday goodies and care packages, or buy stamps and other mailing supplies. And rentable Post Office boxes create physical addresses for local entrepreneurs.


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Announcement from the Association of Professional Genealogists:
The 13th Annual APG Professional Management Conference took place 17 August 2010, in Knoxville, Tennessee. The syllabus is now for sale (while supplies last) for $20 plus shipping. Go to http://www.apgen.org/catalog/
Topics included:
From the Trenches: How We Manage Clients, Time, and Projects by Laura G. Prescott
A Key to Success: Your Online Presence by D. Joshua Taylor, MLS
Overcoming Obstacles that Interfere with Genealogical Research by Anne J. Miller, Ph.D.
Expand Your Revenue: Produce and Sell Your Lectures in Video Format by Donna M. Moughty
Niche Planning and Marketing by Paula Stuart-Warren, CG
Learning As You Go: Choosing the Best Continuing Education Opportunities by Elissa Scalise Powell, CG
Get Published in Magazines! by Leslie Albrecht Huber
Kathleen W. Hinckley, CG
APG Executive Director


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All News Releases By Date
MIT Researchers Awarded $750,000 Grant to Study Climate Change Effects
Release Date: 08/22/2012
Contact Information: David Deegan, (617) 918-1017
(Boston, Mass. – Aug. 22, 2012) – The Massachusetts Institute of Technology has been awarded $749,931 by the US Environmental Protection Agency to examine the ability of models to represent the presence of extreme air pollution and the weather conditions that are associated with it.
This grant was one of 14 awarded by EPA to universities across the nation for a total of $9 million to fund research on technologies that can help the public and government agencies predict and prepare for the effect extreme weather triggered by climate change may have on the nation's air and water quality.
The project at MIT, based in Cambridge, Mass., will use advanced statistical techniques to identify the drivers and occurrence of historical and future extreme air quality events in the United States from observations and models.
"We need to know how changes in weather and extreme weather events will affect the quality of our air and water," said Curt Spalding, regional administrator of EPA's New England office. "Grants like the one EPA awarded to MIT furthers research that can help us understand the impact of such weather on our natural resources as well as our built environment. In turn, this information can help us take steps to reduce the harmful impact on our communities brought by extreme weather events."
The project involves a collaboration of atmospheric scientists at MIT and the National Center for Atmospheric Research with statisticians at Colorado State University and North Carolina State University.
"We are excited that in this project we are bringing together statisticians who specialize in thinking about extreme events with atmospheric scientists who are concerned with air quality issues," said project leader Colette Heald at MIT. "It's a great team to tackle this problem and we are looking forward to learning more about the connections between extreme air quality and extreme weather."
The other 13 grants were awarded to: Public Policy Institute of California,
Mississippi State University, Ohio State University, Oregon State University, University of Washington, University of South Florida (two grants), Michigan State University, Michigan Technological University, University of Texas at Austin, Georgia Institute of Technology, Columbia University, and Cornell University.
More information on these EPA research grants (https://www.epa.gov/ncer/xevents).
# # #
Learn More about the Latest EPA News & Events in New England (https://www.epa.gov/region1/newsevents/index.html)
Follow EPA New England on Twitter (http://twitter.com/epanewengland)
More info on EPA's Environmental Results in New England (https://www.epa.gov/region1/results/index.html)
Search this collection of releases | or search all news releases
View selected historical press releases from 1970 to 1998 in the EPA History website.


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Suvir Saran's Penne with Popped Tomatoes and Bacon
The following recipe is from the February 29 edition of our weekly recipe newsletter. To receive this newsletter in your inbox, sign up here!
Think of this Penne with Popped Tomatoes and Bacon from Suvir Saran's Masala Farm as the rustic farmer cousin of bucatini all'amatriciana. It's got the tomatoes, onions, and bacon but is also loaded up with fresh herbs that pack a punch.
Instead of a smooth, long simmered tomato sauce, this one is made by cooking down cherry tomatoes until they literally pop, making for a hearty chunky sauce with all shapes and sizes of tomatoes and generous cubes of bacon.
Why you should make this: We're always looking for a tasty and quick weeknight pasta and this one with it's big tomato bacon flavors is aces.
Next time we might think about: Saran makes a winter version of this pasta, adding in crème frâiche and cream. If you're looking for something a little richer it's just the thing.
Reprinted with permission from Masala Farm by Suvir Saran. Copyright © 2012. Published by Chronicle Books. Available wherever books are sold. All rights reserved.
- Yield:serves 4
- Active time: 30 minutes
- Total time:30 minutes
- 1 tablespoon kosher salt, plus 1 teaspoon
- One 14.5-ounce box whole-grain/wholemeal, multigrain, or nutrient-enriched penne pasta
- 1 tablespoon extra-virgin olive oil
- 3/4 teaspoon freshly ground black pepper
- 2 teaspoon finely chopped fresh rosemary
- 2 teaspoon finely chopped fresh thyme
- 1 teaspoon finely chopped fresh basil
- 1/2 pound slab bacon cut into 1/2-inch cubes
- 1 large red onion, quartered and sliced crosswise
- 1 1/2 pounds cherry tomatoes, halved if large
- Freshly grated Parmigiano-Reggiano cheese for serving
Bring a large pot of water to a boil over high heat. Add 1 tablespoon of the salt and the pasta, and cook following the package instructions until the pasta is al dente. Drain through a colander and set aside.
While the pasta is cooking, heat the olive oil and pepper in a large frying pan over medium heat until the pepper is fragrant, about 30 seconds. Stir in the rosemary, thyme, and basil, and then add the bacon, cooking it until it starts to render some fat, about 1 minute. Stir in the onion and cook until it begins to soften, about 2 minutes, stirring occasionally. Stir in the remaining 1 teaspoon salt and cook until the onion wilts and the bacon takes on a bit of color around the edges, about 5 minutes.
Add the tomatoes, cover the pan, and cook until the tomatoes are starting to shrivel and shrink (but aren't mushy), 3 to 5 minutes. Stir in the pasta and divide among bowls. Serve with lots of freshly grated Parmigiano-Reggiano cheese.
This Recipe Appears InCook the Book: 'Masala Farm'
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The PDI Model LV5 and PE5 Series of oscillators provide precision timing in a 3.2-mm × 5-mm ceramic hermetically sealed package. The LV5 is a low-voltage differential signaling (LVDS) ocsillator. The PE5 is a PECL oscillator.
These high-performance clock oscillators offer low integrated phase jitter (0.2 pS for the LV5 and 0.3 pS for the PE5). They are available in frequencies up to 200 MHz and feature a –40°C to 85°C industrial temperature range. Stabilities can be held down to ±25 ppm (depending on temperature range).
Contact Precision Devices for pricing.
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This week in personnel announcements and new hires, Robert Johnson was named president and CEO of the American College; Cris Alvarez joined Cambridge Investment Research; Timothy Langbein joined the Private Client Reserve of U.S. Bank; and CUNA Mutual Retirement Solutions announced that it has hired Paul Swanson and promoted Chris Phillips.
Also, Shane Hiller joined Citi Private Bank; Charles Brown went to Advisor Software;; WBI hired Daniel Colluccio; and Allianz Life Financial Services promoted Melissa Bottolfson.
Johnson to be President, CEO of American College
The board of trustees of the American College of Financial Services has named Robert Johnson president and CEO, beginning Oct. 1.
Johnson, the author of numerous books and articles, is professor of finance in Creighton University's Heider College of Business and on the board of RS Investment Management. From 1996 to 2011, he held a number of senior executive positions at CFA Institute and has extensive experience with credentialing programs, ethical and professional codes of conduct, and global business expansion.
Alvarez Goes to Cambridge
Cambridge Investment Research Inc. has announced that Cris Alvarez has joined as vice president of business strategy, a newly created position. In this role, Alvarez will assist Jeff Vivacqua, senior vice president of business strategy.
Alvarez brings over 10 years of industry and business strategy experience to his new role. Most recently, his experience comes from various management roles within First Allied Securities in San Diego. His professional background reflects a career focused on strategic planning.
Private Client Reserve Welcomes Langbein
Timothy Langbein has joined the Private Client Reserve of U.S. Bank in New York as a senior private banker.
Langbein has more than 15 years of experience. Prior to joining, Langbein was vice president at JPMorgan Private Bank, serving in various wealth management roles, including capital advisor and banker. His previous experience also includes financial planning, investment advisory and investment bank accounting.
CUNA Adds Swanson, Advances Phillips
CUNA Mutual Retirement Solutions announced that it has hired Paul Swanson as vice president, intermediary sales and institutional relationship management. This new position consolidates areas led by Micah DiSalvo and Bill Feldmaier, who resigned earlier this year. Swanson reports to Paul Chong, senior vice president.
In addition, Chris Phillips has been promoted to director, institutional sales, reporting to Swanson.
Swanson joins with more than 26 years of experience in the retirement industry and of sales and sales leadership positions at companies such as ING, Prudential Retirement and Lincoln Financial Group. He was most recently managing director of the intermediary-sold DCIO and subadvisory markets for SEI Investments.
Hiller Joins Citi Private Bank
Citi Private Bank has announced that Shane Hiller has joined its San Francisco office as director and private banker. He reports to Lisa Roberts, head of Citi Private Bank in northern California.
Hiller brings more than 20 years of experience, and joins from Umpqua Bank's private bank division, where he was market leader for the San Francisco region. Prior to that, he spent three years as a private banker with Citi Private Bank in San Francisco. Earlier, he was a SVP and financial advisor with Morgan Stanley Private Wealth Management, and prior to that he spent several years as a private client advisor with Wells Fargo Private Bank.
Advisor Software Welcomes Brown
Advisor Software Inc. (ASI) announced that Charles Brown has joined the company as VP of business development.
Prior to joining, Brown was VP of sales and business development at Windham Capital Management for three years. Earlier in his career, he was senior manager of the performance reporting solutions group at Informa Investment Solutions.
WBI Investments Hires Colluccio
Daniel Colluccio has been hired as director of institutional sales by WBI Investments.
Colluccio joins with over 10 years of experience in the field, including six years at BlackRock iShares as an investment management consultant. He most recently spent time with TD Ameritrade Institutional working with RIAs on practice management and technology consulting.
Bottolfson Advances at Allianz Life Financial Services
Allianz Life Financial Services (ALFS) LLC, the wholesale broker-dealer of Allianz Life Insurance Co. of North America, has announced that Melissa Bottolfson has been promoted to director of supervision and operations. She reports to Corey Walther, ALFS chief operating officer.
Bottolfson joined Allianz in 2004. She held a variety of positions in operations before joining the ALFS team in 2009.
Check out American College Retools ChFC Program on ThinkAdvisor.


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Limit Break
-Fully established level 28 guild with all possible guild bonuses available. We've been around for a year and a half and counting.
-Extremely active members, a huge chunk of which max out their guild points every week. We're on top of removing inactive players in a fair but strict manner to keep our guild moving. We have two members that have the maximum amount of guild points possible in the game- this means they've maxed out every single week without fail since the introduction of the guild points system about a year and a half ago.
-Active forums with everything from forum games to market threads to real life discussion to event strategy to elo strategy to new release reviews and more! We also have useful tools such as a loan-a-card thread to help players get what they need to achieve their goals.
-A perfect blend of casual and competitive. We've got accomplished players who have achieved feats such as 1500+ elo, 30 survivor, half a dozen major events won, 100 DTs won, 10 million+ in market profits and much more! See the full list on our guild home page. At the same time we're relaxed people, not too hardcore or over the top with the game and our guild is more of a community and a family than a business arrangement. Everyone can feel comfortable and welcome here.
-Morals and integrity. The staff of Limit Break is adamantly against anything shady or anything that is even borderline "cheating" within the game. Our guild does not coordinate with each other to make plays within games. Our guild does not have multi-accounts. Our guild does not coordinate results when we're in the same event to benefit us. Our guild buys the collector accidentally put on the market for 50 clintz and gives it back to the seller for the same price as opposed to keeping it for ourselves. Our guild treats everyone in the UR community, whether they're in our guild or not, with respect and decency. Furthermore, players who do crappy things are instantly removed from the guild regardless of their skill level or how long they've been with us. It's very important to us that we have a group of good people here.
-One of only two guilds in the entire English community to have two members of the EN Event Team.
-Proud international guild! We have players from over 15 countries and we love the diversity. As long as you speak English you're welcome with open arms.
-Level 40+. Higher is always better.
-Active in the game. Our idea of active means playing every week and preferably maxing out your guild points bar.
-Active and appropriate contributor to our message boards.
-Friendly, mature, laid-back personality. If you create drama within the guild, have a bad reputation or have a short temper you're out.
-Presentable numbers in important areas such as elo score, survivor score, win ratio, collection percentage and fair play rating.
-Send an admin a message before applying and let us know what you'd bring to the guild and why we should accept you. The large majority of applicants are declined and not sending a message before applying is pretty darn close to an auto-reject.
All things considered- accomplishments, stability, reputation, activity, environment, uniqueness and benefits- Limit Break may very well be the best guild in Urban Rivals!
Join us today!
COLOSSAL-TCA - Sunday 28/07/2013, 22:24
Novice - Time Conquers All
I think you should invite Char to LB just for the lol.


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Strong winds bring down power lines in Aurakun
ISOLATION during the storm season is something Cape York residents have come to expect. But as a tropical cyclone nears the coast on Monday afternoon, cut off communities were given a rare glimpse at one of Mother Nature's more sinister performances.
A Category 1 system is intensifying and expected to cross the coast between Aurukun and Kowanyama some time Monday evening.
By late afternoon, Aurukun - population 1200 - was already being given a preview of what was to come.
Officer in charge of the Aurukun Police Station Senior Sergeant Brendon McMahon said strong winds had brought down power lines, cutting power to some parts of town.
As is common at this time of year, roads to the region are cut but commercial flights have been cancelled.
Sen Sgt McMahon described the conditions as rare and "more extraordinary" than what Aurukun usually experienced.
He acknowledged some residents were concerned but said as long as they stayed inside their homes - which are all rated for Category 1 cyclones - and children were kept from playing in the water, everyone should be safe.
A warning remains in place for heavy rainfall, flooding, king tides and gale-force winds were expected to batter the coast between Karumba to Cape York.
EARLIER: Residents in Queensland's north-west are preparing for a tropical cyclone to cross the coast late Monday night or early Tuesday morning.
The Bureau of Meteorology said a tropical low was likely to intensify into a cyclone later on Monday and would most likely cross the coast between Aurukun and Kowanyama.
Coastal areas from Karumba to Cape York, including Mornington Island, are the areas likely to be affected, although the extent of the impact of the potential cyclone remain unclear.
EMQ assistant director-general Bruce Grady said the low could create not just gale force winds, but heavy rain, storm surges and localised flooding.


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The Santos striker, who celebrates his 21st birthday today, is set to line-up against the Three Lions at Wembley on Wednesday in a friendly to mark the English Football Association's 150th anniversary.
However, he has dismissed the chances of Roy Hodgson's side, believing they are over-reliant on Manchester United striker Wayne Rooney.
He told the Daily Mail: "England are a good team with very good players - but I don't look at them as one of our main rivals for the World Cup.
"They have the players to do well - but do I think they have the same quality as Spain and Argentina? No.
|Neymar is 5/1 with Paddy Power to open the scoring in England v Brazil
"At Brazil we have many players who can win the game. The same with Argentina if Messi is not having a great game they still have Aguero and Tevez with Spain if Iniesta is having a bad game they have Xavi and Villa.
"Once you look past Rooney you don't see an obvious player who can win them a game."
The 21-year-old was also full of praise for his international manager, Luis Felipe Scolari, who he believes is already having a positive effect on the Selecao following his appointment in November, while also adding his endorsement to the decision to reinstate Ronaldinho to the squad.
He said: "The players love having Scolari as coach. We all respect him - but it works two ways. He is the sort of man that if you show him respect he will show you respect.
"We are all so happy to be playing under him. Already he is coming up with new ideas about how we can improve. He is very clear that only winning the World Cup will do next year.
"I think he made exactly the right decision to being Ronaldinho back. He is not just one of the best players of recent years but one of the best players to ever play the game. For three years he was the best player in the world. He has won everything with Brazil and also during his time at Barcelona - he brings a lot to the team."
"Scolari is very clear that only winning the World Cup will do next year"
He added: "It is nice when I hear top players say I will be the best player in the world. It is important to stay humble - but I have to believe that I can be the best in the world. I know I have the talent to be - I just need to carry on working hard and learning off the players and coaches around me.
"Things are written about my future but they are not true. They can't be true - because no decision has been made.
"I am happy at Santos now and I am not even thinking about leaving. When the time comes I will consider all offers from big clubs in Europe - but any talk that I have already committed to a club is not true."


text: The Easiest Way to Enjoy HD Content in the Living Room Rich online entertainment services Most popular media formats supported Stunning 1080p high definition visuals Enjoy music with one-click music shuffle shortcut key Fast content transfer with eSATA and LAN Shop Modal header Play, Unlimited! Enjoy online media content on TV! O!Play HDP-R1 allows you to browse from thousands of Internet TV channels and radio stations, web album sites and weather updates. Tons of online content are just a few clicks away with rich online entertainment services Internet TV channel and Internet Radio: ABC, BBC News, NBC, fox sports, NHK… stations Weather: You can search World Weather by geographical region or country RSS News and Podcast: You can enjoy instant information updates Stock: Few steps to update the latest stock information Plug-n-play setup and enjoyment Only 3 steps to setup and enjoy Step1: Connect your storage device to O!Play HDP-R1 Step2: Plug your O!Play HDP-R1 to HDTV Step3: Sit back and enjoy high-definition multimedia content Full HD 1080p and Full Format Support (including RMVB) O!Play HDP-R1 takes the trend to bring new HD experience to viewers in the living room. Users do not have to worry about the compatibilities of file formats to the most formats of the video, music and picture. It also supports RMVB . O!Play HDP-R1 lets users enjoy the show without worrying about the file formats any more. * O!Play devices do not support playback of copyrighted or protected optical media content. Easy wired access to a world of A/V entertainment- No more difficult set-up process! Enjoying your PC files has never been easier! The O!Play HDP-R1 HD media player provides you the easiest way to share your multimedia files through a home network. Install "O!Link-Lite," apply it to your PC and choose the files you want to share with family and friends on the big screen. Next, press the link and enjoy multimedia content straight from the TV screen! No need to transfer files from an external storage device to play, and it's easy for file management to stream HD content from a PC or NAS to the O!Play HDP-R1. Play Music without turning on your TV The O!Play HDP-R1 is the first HD media player that provides a music shuffle function with a dedicated button on the remote control. With just one click, the O!Play HDP-R1 accesses all the music files in a storage device and starts playing the music randomly. You can also group all your music files in your storage device and then play the music files randomly with another click. You can even connect to a receiver and play music without turning on the TV! Exclusive eSATA eSATA provides 6X faster than USB 2.0 HD content bring the appealing images to the eyes but also require huge bandwidth to render the almost true image quality. eSATA simply helps to lift the bandwidth limits. Online firmware upgrade Enjoy even more features and fun by upgrading the firmware whenever updated. The ASUS O!Play team recently won the "BEST LONG TERM SUPPORT" award from Media Player World, and keeps improving the product with firmware update services. We commit to provide product support not only now in the present, but also in the future.


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Join Christian Hollingham for a complete replay of the successful launch of ESA astronaut, Andre Kuipers, on 21 December 2011. Kuipers was launched into orbit along with NASA astronaut Don Pettit and Russian cosmonaut Oleg Kononenko atop a Soyuz launcher, which lifted off at 2.16pm CET. As part of the PromISSe mission, Kuipers will be flight engineer for the duration. During the launch there are several views of the crew inside the TMA-03M spacecraft, along with extensive coverage of ground control in Baikonur, Kazakhstan.
In the days between launch and docking their spacecraft will circle the globe 35 times, performing three major engine burns as its orbit is adjusted for docking with the International Space Station. Kuipers and his fellow crew members will dock with the ISS on 23 December 2011, and will be met by three crew members already in orbit. Andre, Don and Oleg will be aboard ISS for almost six months as part of expeditions 30 and 31.


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Sandia Traffic Tickets Lawyers
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South Texas College Of Law
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St. Mary's University School of Law
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As a former prosecutor with private practice experience, Attorney Greehey has knowledge of how to work with both clients and the court to get results.
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University of Houston Law Center
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Western Michigan University Cooley Law School
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From the publisher:
"Volume VII CONFEDERATE "TALES OF THE WAR" IN THE TRANS-MISSISSIPPI, PART 1: 1861. Edited by Michael Banasik. In 1885, the St. Louis Missouri Republican began a Saturday series of articles on the Civil War by the participants, from the lowliest private to the most exalted general. The series ran for two years, comprising in all 94 articles, which dealt with all theaters of the war, including the high seas, from both the Northern and Southern perspectives. Being the home of most readers of the Republican, Missouri figures prominently in the series. Due to the number of pieces on Missouri and the Trans-Mississippi, editor Michael Banasik has grouped them by year. Part One of Confederate "Tales of the War" contains only those articles on the first year of the war, from the Confederate perspective, including the rise to power of Frank Blair and Nathaniel Lyon in St. Louis, the Missouri Battles of Dug Springs, Wilson's Creek, Springfield (Zagonyi's Charge), Belmont, Salem, Mt. Zion Church, and the controversy over Confederate support for the secession of Missouri. Subsequent volumes in our series will include articles covering the rest of the war, also those from the Northern point of view. 232 pages, 6 x 9 paperback, illustrations, maps, notes, appendices, bibliography, index. (Published 2010; ISBN: 978-1-929919-22-2) $17.95."Looks like a Battles & Leaders-type project for the Trans-Mississippi. Very nice. Check back for a review in the near future.


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Discover for free which first names would suit you or your baby !
Meaning of name Leoš
Etymology : Czech form of LEO
Saint :
Origin : Czech
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Gender : boy
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Meaning of those numbers?
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Who is he?
Leoš is a man who, underneath the rough and ready facade, more or less cheerfully conceals a particularly deeply emotive and hypersensitive nature. With the number 19 as an active number, Leoš is not a man who does things by halves, both as far as his personality is concerned - which he hopes appears to the world as sturdy, virilite, brave and assertive - as is his destiny, which could just as easily be a glittering success as a staggering failure. His strengths can twist themselves around to become weaknesses in a flash: he can be authoritarian, conceited, impatient, impulsive and reckless, and he is quite capable of putting the cart before the horse. Furthermore, he is often tense, which at times cumulates with an «explosion» during which he may say things he later regrets. If Leoš is so «all or nothing», it is without a doubt because his personality is so severely torn between his natural tendency to be emotive, fragile, apprehensive and even fearful at times, as well as highly suggestible due to certain inferiority issues (emphasized if he happens to be have born on a 2nd, 11th, 20th or 29th, in February or November, or if his life Path Number is 2) and the other aspects of his personality that he would like to cultivate: those concerning masculinity, confidence and independence. He aspires to an image of boldness and fearlessness, possibly even approaching aggression and downright risk-taking... Not surprisingly, the result of this inner-conflict is a somewhat dissipated and relatively anxious personality susceptible to exaggerated fluctuations in mood... However, if he so chooses he can live his life in harmony with his master number 11, of which strength is one of the main characteristics, and this will help him to assert himself, gain confidence and relax. As a child, he lives more closely in vibration with the number 2, a contributing factor in his fragility and vulnerability, which is why it is important to make sure that he learns to value himself. Independence is to be encouraged, and for the same reasons as above, taking part in a sport, and practising a relaxation technique or martial art would be highly recommendable...
What does he like?
He loves people. Meeting them, meeting up with them, doing things with them and bringing them together, while remaining a fervent supporter of freedom and independence. This is because emotional support (amicable or romantic) is necessary for his personal fulfilment. With his karmic 11, he is extremely intuitive and would do well to direct his energy towards the fields of intellectual investigation such as psychology, sociology, astrology and ethnology, which would allow him to quench his thirst for knowledge and illuminate his brilliant mind. Where romance is concerned, He is happiest when he is in a stable relationship and is well suited to family life - this man´s home is his castle. He can be easy-going, open and understanding, though at other times, he appears narcissistic and can even be horribly rude and callous! But before you get upset, remember it´s probably more about him than it is about you...
Get your free Personality test card now !!
What does he do?
Suitable professions include: anything to do with business (management, accounting, banking, economy...), jobs involving a certain risk factor (police, military) and an element of competition (sport), occupations in relation to iron and fire (butcher, tailor, cobbler, blacksmith, sculptor, surgeon...), one of the liberal professions or as partner in a consultancy practice.
Discover others boys first names : Leachlainn Leal Leander
*To note: :
It sometimes happens that two different first names have the same meaning. This has nothing surprising: both first names have the same figures of numerology. It is as in astrology: two persons belonging to the same sign present the same characteristic...
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Test the compatibility of your names to know if your love relation is lucky to succeed. Friendship, love or passion?
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Your Name Horoscope !
Thanks to the numerology, we propose you daily a horoscope personalized for your first name. Love, money , Shape: discover what waits for you for today. In Bonus every day find your daily lucky figure .. Horoscope of the first names
Love :Couples: The complicity between the two of you will be reinforced. Singles: An admirer will make themselves known.
Money :You are trying to decide whether or not to make a property investment. Take your time.
Health:You won't see any results without some effort Leoš .
Your Lucky number : 80


text: Our Community Trade shea butter is sourced from northern Ghana, where it has been used for centuries to protect skin from harsh Saharan winds. We work with The Tungteiya Women's Shea Butter Association to produce the rich shea butter we use in our products. The Body Shop provides the 528 women of the association with a fair wage, and also pays a premium for the women to invest in community projects. Anita Roddick placed our first order in 1994 after an earlier visit to Ghana where she discovered the natural moisturising properties of shea butter and the amazing women who produce it.


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Angeles City
What you need to know before you go
Angeles City is a bustling and thriving city in central Luzon, about 75 km north of Manila, and was once the capital of the Philippine Republic, during the Filipino-American war. While the city has a long and interesting history, the main attractions of the city are now shopping and nightlife. Highlights include the Clark Freeport and Special Economic Zone and the Balibago entertainment district.
The Clark Freeport Zone contains a mix of leisure centres, shopping malls, industrial parks, and the Clark International Airport. Balibago is perhaps most famous for its gaudy, neon-lit streets, but there is slightly more to it than that. If you're like outdoor pursuits, you'll find the beautiful Mount Arayat National Park just east of the city and Mount Pinatubo – an active volcano – to the west.
Trending now in Angeles CityFeatured stories & fun stuff
5 Best Things to Do in Angeles City
Angeles City is perhaps most famous for its raucous nightlife, making it effectively the Sin City of the Philippines. However, that's not the only string to its bow. Particularly in downtown Angeles, away from the entertainment districts, you'll find a number of extraordinary historical places to visit. Some of the older buildings have been at the intersections of the country's history and continue to stand the test of time.
The Clark Freeport area of the city, around the international airport, also has its share of interesting attractions. Most notable is the tax-free shopping that gives the area its name, but you'll also find some good golf courses and a couple of theme parks for the kids.Read more


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Low-Dose Aspirin After Lung Clot Could Prevent Recurrence
SATURDAY, Dec. 10 (HealthDay News) -- Giving low-dose aspirin to patients after they've received stronger blood thinners for dangerous clots in the lungs could cut their odds of redeveloping the clots, a new study finds.
The clots in question are venous thromboembolisms (VTEs). These can include both the leg clots known as deep-vein thromboses, or pulmonary embolisms, clots in the lungs that can cause rapid pulse, shortness of breath, chest pain and even death.
Patients with VTE are typically given anticoagulants such as warfarin (Coumadin) to help prevent future clots and dissolve existing clots in the veins. However, about 15 to 20 percent of VTE patients redevelop blood clots within two years after completing such treatment, according to background information in the study.
Extending blood thinner treatment with powerful medicines such as warfarin can prevent recurrences, but it also carries an increased risk of bleeding. So, the longer term use of aspirin as an alternative therapy against recurrent blood clots in VTE patients has been advocated but is controversial. That's because aspirin is typically used to prevent clots in the arteries, not the veins, and studies have yielded mixed findings about the aspirin's effectiveness against VTEs.
This new study examined whether two years of low-dose (100 milligrams per day) aspirin therapy after an initial six to 12 months of warfarin therapy could prevent recurrent blood clots in VTE patients. The patients were followed for up to three years after completing their aspirin therapy.
The Italian researchers reported that blood clots recurred in 28 of the 205 patients who took aspirin and in 43 of the 197 patients who took a placebo -- 6.6 percent versus 11.2 percent per patient-year, respectively.
Major bleeding occurred in one patient in each group and there was a similar rate of non-major bleeding.
The study was scheduled to be presented Saturday at the annual meeting of the American Society of Hematology (ASH) in San Diego.
"There has been significant debate on whether giving aspirin to a patient who suffers from VTE is beneficial," lead author Dr. Cecilia Becattini, an assistant professor of internal medicine in the Internal and Cardiovascular Medicine and Stroke Unit at the University of Perugia, said in an ASH meeting news release. "Our study shows that aspirin, a common and low-cost drug found in most medicine cabinets, can be a valid alternative to oral anticoagulants for the extended treatment of VTE."
Experts reacted positively to the new findings.
"This is a very important trial demonstrating a safe and effective alternative to long-term warfarin to reduce the incidence of recurrent venous thromboembolism," said Dr. Robert Lookstein, director of cardiovascular imaging at Mount Sinai Medical Center in New York City. "This trial shows that a simple medication such as once-a-day aspirin can safely reduce the risk of recurrent DVT and protect patients against these devastating consequences," he added.
But another expert noted an important caution. "It should be emphasized that this does not replace the initial treatment of VTE, which is heparin or warfarin anticoagulation," said Dr. Glenn Jacobowitz, vice-chair of the vascular surgery division at NYU Langone Medical Center in New York City. "In my practice I would consider recommending low-dose aspirin after warfarin anticoagulation courses are finished for VTE. Patients should ask their physician about switching to lifetime low-dose aspirin after finishing a standard six- to 12-month course of warfarin anticoagulation for VTE."
Data presented at medical meetings should be considered preliminary until published in a peer-reviewed journal.
More information
The American Academy of Family Physicians has more about deep vein thrombosis.


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I can't believe that we're now fourteen years and 1000+ figures into the "new" line, and there are still a handful of figures from the original 90+ that haven't been remade yet. Amazing.
Hasbro has us the license till 2018 so I'm sure there's a reason behind that.
This list seems innacurate though... off the top of my head I'm pretty sure we got Sy Snootles and Barada during POTF2. I'm no Vintage expert though so I'm probably wrong.
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Please post in proper forum. Last I knew Rutgers was not an NFL team.
I'll admit that Ohio State and Michigan are on a higher level in terms of recruiting than Rutgers and they will be tough to compete with. Everyone else is fair game, Rutgers will do fine in that conference.
Please post in proper forum. Last I knew Rutgers was not an NFL team.
Rutgers will have trouble winning a single Conference game for the next 3 seasons
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Notre Dame, #1 team in the country, should have fallen under the "can't even beat Pitt" category as well this season if not for some luck in Pitt missing easy FGs. Florida State can't even beat bad ACC teams by 40, that would have been a good matchup if Rutgers got them. Please stop posting about college football, you don't know much about it. Your grammar and spelling are also very poor which leads me to believe you just aren't an intelligent human being in general.
Last edited by SlickBri481; 11-30-2012 at 02:08 PM.
And i'm a UGA fan, no big 10 bias here.
Big 10 is not the SEC or Big 12, not even close. It's not like not winning the conference is going to be something new for Rutgers fans, lol. But we can lose 3-4 games, still get a good bowl and national ranking in the Big 10. Just how it works with perception... I'm confident in this move.
Rutgers has talent and would/will do just fine in today's Big Ten.
Kidding yourself if you think they can't compete.
Froze my ass off watching that debacle. The better team won but awful calls on the fake FG and late hit. Their QB is a beast.
Felt bad for you guys. Was really pulling for a RU win.
That is all gone now. It's really too bad that they couldn't have punched a ticket one of the past 6 years. It will be MUCH, MUCH harder to get a BCS bid now.
That could have been the last meaningful game Rutgers plays in for a while. After they move to the Big 10 they are going to be toilet paper for some of those teams. It is going to take a while to compete with the big boys.
Nonsense. Rutgers already has a nice class coming in and that will only get better. There are very few B1G teams we can't beat.
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Very happy Rutgers avoided this juggernaut.
Good luck with Bridgewater, he'll show Manuel what an NFL prospect is....
I can't wait for the wake up call Rutgers fans get... This was a bad year in the conference and they'd have still been hard pressed to find 6 wins and that's being generous...
Rutgers defense is as about as good as anyone in the Big Ten.
Their RB is probably better than anyone in Big Ten, and they have a WR in Coleman who is a physical freak and future 1st round pick.
Their issues are with the offensive and defensive lines, pretty athletic, but undersized. Most everyone is back next year, though...
Also their QB has a good arm and overall talent, just needs more experience.
I don't think they will go in and dominate the Big Ten, but they can compete week in and week out, much like Penn State did this year.


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- 10 tablespoons (1 1/4 sticks) unsalted butter, room temperature
- 1/4 cup powdered sugar
- 1/4 teaspoon salt
- 1 large egg, separated
- 1 tablespoon heavy whipping cream
- 1 1/2 cups all purpose flour
- 1 cup sugar
- 1/4 cup water
- 1/4 cup orange juice
- 1/2 cup heavy whipping cream
- 2 tablespoons (1/4 stick) unsalted butter
- 1 tablespoon honey
- 2 teaspoons finely grated orange peel
- 1 teaspoon vanilla extract
- 1/4 teaspoon salt
- 1/2 cup roasted unsalted cashews (about 2 1/2 ounces)
- 1/2 cup pine nuts (about 2 1/2 ounces), lightly toasted
- 1/2 cup walnut pieces (about 2 1/2 ounces), lightly toasted
Recipe Preparation
Using electric mixer, beat butter, powdered sugar, and salt in medium bowl to blend. Add egg yolk and cream; beat until smooth. Add flour and beat just until dough comes together. Turn dough out onto lightly floured surface and knead briefly to combine. Gather dough into ball; flatten into disk. Wrap in plastic and freeze until firm, about 15 minutes.
Roll out dough on lightly floured surface to 12-inch round. Transfer to 9-inch-diameter tart pan with removable bottom. Gently fit dough into pan, trimming all but 12 inch of overhang. Fold overhang in, forming double-thick sides. Pierce bottom of crust all over with fork. Freeze 30 minutes.
Preheat oven to 350°F. Line crust with foil. Fill with dried beans or pie weights. Bake until sides are set, about 20 minutes. Remove foil with beans. Bake crust until golden, pressing with back of fork if crust bubbles, about 20 minutes longer.
Meanwhile, whisk egg white in small bowl until thick and foamy.
Brush hot crust lightly with some beaten egg white and place on rack to cool. Maintain oven temperature.
Stir sugar and 1/4 cup water in heavy medium saucepan over low heat until sugar dissolves. Increase heat to medium-high and bring to boil, brushing down sides of pan with wet pastry brush. Cook until syrup is deep amber, swirling pan occasionally, about 9 minutes. Remove from heat and pour in juice, then cream. Whisk over low heat until smooth. Whisk in butter, honey, orange peel, vanilla, and salt. Stir in cashews, pine nuts, and walnuts.
Pour filling into crust. Bake tart until filling is bubbling thickly all over, about 22 minutes. Cool tart completely on rack. DO AHEAD Can be made 1 day ahead. Cover with foil and store at room temperature.
Cut tart into wedges and serve.


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http://mmajunkie.com After a six-fight stint in the world's top promotion and just a year removed from an impressive three-fight win streak in the organization, Tomasz Drwal (17-4 MMA, 3-3 UFC) now finds himself a free agent.
UFC officials cut ties with him after this past week's UFC Fight Night 22 loss to Dave Branch, the fighter's camp today confirmed with MMAjunkie.com (www.mmajunkie.com).
Drwal is now looking to get another fight "as quickly as possible," a representative said.
Drwal, a Polish fighter, signed with the UFC in 2007 after posting a solid 14-1 mark in variety of European organizations.
The 28-year-old got a tough assignment in his UFC debut in perennial contender Thiago Silva and fell victim to a second-round TKO. However, he then rebounded for knockout wins over Ivan Serati and Mike Ciesnolevicz, and after a drop from light heavyweight to middleweight, extended his win streak to three with a submission win over Drew Mcfedries.
But earlier this year, Drawl suffered a heel-hook submission loss to Rousimar Palhares (who was suspended 90 days for failing to quickly release the hold) at UFC 111 and then the unanimous-decision loss to Branch at the Sept. 15 UFC Fight Night 22 event.
Drwal will continue splitting his training between his gym in Poland and the Throwdown Elite Training Center in San Diego.


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Nothing creates more interest for Scripture's original readers than the "call narratives" many of our sacred authors include in their writings. When Yahweh or the gospel Jesus asks someone to be a disciple, everyone listens carefully to the details. Their interest isn't hard to understand. Those original readers feel called in a similar way. Though times and circumstances differ, several elements are always the same.
First, the divine caller usually demands the person who is called "move." Neither Jesus nor Yahweh says, "Stay there! Don't move a muscle! Just keep doing what you're doing!" Movement is always entailed, either physical or psychological or both. No one responds to such a call without experiencing change.
Second, the individual who's called is expected to follow not some intellectual ideals or principles, but a real person. When we deal with any person, there's always something new to learn about him or her. Nothing stays the same. Those not open to the person aren't open to the call.
Third, whoever is called is now expected to put his or her security in the person doing the calling. Whatever or whoever they consistently fell back on before they now push into the background. They trust only Yahweh or Jesus. Their personal strength shifts from former places, people and ideas to someone completely "other."
Samuel discovers in today's first reading, when God calls there's no hesitation, no thinking it over. Eli correctly instructs the boy, ". . . If you are called, reply, 'Speak, Yahweh, for your servant is listening.'" In a very deep sense, if he's not already listening for a call, he'll probably pull a "Sgt. Schultz" and hear nothing even though the call is coming loud and clear. Eli and Samuel's misunderstanding tells us we can easily mistake the actual caller for someone else. We'd better know whom and what to listen for, else we'll think it's just a figment of our imagination; something we can slough off at will.
The call might even come through someone with whom we're already familiar but are now looking at from a different perspective. That seems to be what happens in today's gospel pericope. Along with Andrew and Simon, Jesus already appears to be one of the Baptizer's followers when John points to him and says, "Behold, the Lamb of God."
Now because of John's leadership and authority, whatever this Galilean carpenter says and does takes on a deeper meaning. When he, for instance, asks, "What are you looking for?" he's referring not just to an immediate need; in this context, he's asking the pair, "What do you want out of life?"
The two eventually discover Jesus' "Come" is an invitation to become a new person. He calls them to go beyond their here and now and uncover a part of themselves they've never before noticed. That's why he quickly changes Simon's name to "Rock." Those who respond to God's call not only uncover more and more about God, they also uncover more and more about themselves.
That's exactly what happened when Paul responded to the risen Jesus' call on the Damascus Road. He not only discovered the Christ was present in those he was persecuting, he also discovered he/she was also present in him. No longer did he, as a good Jew, have to regularly visit the Jerusalem temple. Once he answers Christ's call and moves to a new frame of mind, he discovers his own body ". . . is a temple of the Holy Spirit . . . ." What he thought outside himself is actually inside himself.
Hard to convince someone of such a wonder who's never said "Yes!" to the risen Jesus. But, on the other hand . . . .


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Ronald D. Moore's Battlestar Galactica juggled heavy duty space opera and fantastical, magic elements. But his next project will leave space behind, in favor of a world of pure magic, in the vein of Harry Potter for adults.
According to Deadline, Moore's new project is "described as an adult Harry Potter set in a world ruled not by science but by magic," and he's making it for NBC. And Sony, which signed a development deal with Moore back in May, is pretty serious about moving forward with this — there are nearly $2 million in "pilot and series penalties," meaning Sony has to pay up to $2 million if the show doesn't film both a pilot and an ongoing series.
The other interesting thing is that the article mentions that Sony's Charlie's Angels remake, spearheaded by Smallville creators Miles Millar and Alfred Gough, is still very much in the pipeline and the studio is serious about developing more dramas. At one point, Terminator: The Sarah Connor Chronicles showrunner Josh Friedman was said to be heavily involved in the Charlie's Angels reboot. [Deadline]


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Welcome to Woburn!
Woburn Information and Statistics
Located just 12 miles from Boston, Woburnis bordered by Winchester, Burlington, Lexington, Stoneham, Winchester and Wilmington.
With 37,000 residents, Woburn has moved beyond its former image as a small town. Woburn is now a well-balanced city with its own manufacturing and residential sectors.
Efficient transportation links and a convenient location combine to make Woburn a desirable choice for commuters. The prime location at the junction of Interstate 93 and Route 128 affords residents a quick trip to downtown Boston, although rail service is also available.
The housing selection blends newer
and older homes in a variety of architectural styles and price ranges.
Recreational amenities include an active Boys and Girls Club and YMCA as well as a trout-stocked lake, private clubs, organized programs, and abundant sports facilities.
What could be better than a visit to Horn Pond?
This amazing area not only has lots of nature, but opportunities for kayaking, canoeing, or fishing (summer or winter). It is a perfect spot to watch the sunset, enjoy birdwatching or just take a nice walk.
It is a walker and jogger's paradise as there is a large network of walking trails including a walking route around the pond. The kids can bring their bikes - but usually spend lots of time watching the swans, geese, turtles, rabbits, ducks, and the herons.
This hidden gem is located just a stone's through from Woburn Center. There is plenty of parking and a seasonal vendor will usually be there offering sausages/cold drinks etc. It is a great place for local outdoor activity not very far from Boston. Horn Pond is a perfect place to take a break from the hustle and bustle of our busy lives!
If you would like more information on living in Woburn, please contact Theresa - or call/text 781-718-5881.
List Photo Map
Single-Family Homes in Woburn MA
$299,000 Single-Family Bungalow
770 GLA .07 Acres 1 Beds 1 Baths
$365,000 Single-Family Colonial
1,428 GLA .17 Acres 2 Beds 2 Baths
$379,900 Single-Family Ranch
932 GLA .31 Acres 2 Beds 1 Baths
$419,000 Single-Family Cape
963 GLA .13 Acres 2 Beds 1 Baths
$419,000 Single-Family Ranch
1,017 GLA .32 Acres 3 Beds 1 Baths
$434,900 Single-Family Cape
1,008 GLA .36 Acres 2 Beds 1 Baths 1 Half Baths
$439,900 Single-Family Cape
1,417 GLA .11 Acres 3 Beds 1 Baths
$449,900 Single-Family Ranch
948 GLA .27 Acres 2 Beds 1 Baths
$450,000 Single-Family Cape
1,687 GLA .13 Acres 4 Beds 2 Baths
$459,900 Single-Family Ranch
1,260 GLA .17 Acres 3 Beds 1 Baths 1 Half Baths
The property listing data and information, or the Images, set forth herein were provided to MLS Property Information Network, Inc. from third party sources, including sellers, lessors and public records, and were compiled by MLS Property Information Network, Inc. The property listing data and information, and the Images, are for the personal, non commercial use of consumers having a good faith interest in purchasing or leasing listed properties of the type displayed to them and may not be used for any purpose other than to identify prospective properties which such consumers may have a good faith interest in purchasing or leasing. MLS Property Information Network, Inc. and its subscribers disclaim any and all representations and warranties as to the accuracy of the property listing data and information, or as to the accuracy of any of the Images, set forth herein.