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Medical questions & health advice by board certified doctors
"Can you get lung cancer from asbestos exposure?"
My husband has had some health problems lately and is a smoker. He was helping to build a haunted house today in an old church. He found out that there was asbestos in the walls. He was drilling into the walls and not wearing a mask. He is very concerned that he will now get lung cancer, and it will not show up for 10 years. In your opinion do you feel that after one day of exposure for a few hours he will get lung cancer from this?
That is an excellent question. I can definitely understand the concern that your husband has about lung cancer after being exposed to asbestos. He has a valid concern and certainly should be evaluated by a medical professional such as his primary care doctor because of this exposure. Cancer of the lung related to asbestos is a real condition and is known as mesothelioma. Most commonly, people who develop this disease have had very long exposures to asbestos and so the likelihood of developing lung cancer from the one hour your husband had is unlikely. On the other hand, if your husband is a long standing smoker, he is definitely at risk of developing lung cancer and I would suggest that he also discuss strategies for quitting smoking during this appointment as well. Men who smoke are 23 times more likely to develop lung cancer than those who don't smoke. However, it is never too late to quit and this immediately reduces his change of developing cancer. Again, it is very important for your husband to make an appointment with his primary care doctor to discuss his brief asbestos exposure, and also to discuss a strategy to help him quit smoking.
Need more info?See a primary care-doctor today
Zocdoc Answers is for general informational purposes only and is not a substitute for professional medical advice. If you think you may have a medical emergency, call your doctor (in the United States) 911 immediately. Always seek the advice of your doctor before starting or changing treatment. Medical professionals who provide responses to health-related questions are intended third party beneficiaries with certain rights under Zocdoc's Terms of Service.


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11/1 at 12:02 a.m. Willis L. Jordan III, 35, of Everett Street, was arrested on Tibbetts Drive by Sgt. Joel Bruce on a warrant.
11/1 at 12:59 p.m. Nathan A. Elwell, 22, no address listed, was arrested on Cedar Street by Officer Jonathan O'Connor on a warrant.
11/2 at 9:53 p.m. Brian J. Emmons, 36, of Fowle Hill Road, Wiscasset, was arrested on Bank Street by Officer Robert Lane on a charge of violating condition of release.
11/2 at 11:13 p.m. David R. Wilson Jr., 18, of Harpswell Neck Road, Harpswell, was arrested on Perryman Drive by Officer Patrick Scott on charges of theft by unauthorized use of property, theft by unauthorized taking or transfer and consuming alcohol as a minor.
11/3 at 1:36 a.m. Guy C. Steinman, 49, of Water Street, was arrested on Maine Street by Officer Brian Funke on a charge of violating condition of release.
11/5 at 12:55 p.m. Nathaniel E. Wing, 23, of Cumberland Street, was arrested on Pleasant Street by Officer Justin Dolci on charges of burglary and theft by unauthorized taking or transfer.
No summonses were reported from Oct. 30 to Nov. 6.
10/30 at 8:29 a.m. Medical emergency on Mary's Way.
10/30 at 1:06 p.m. Medical emergency on Polar Loop.
10/30 at 7:21 p.m. Medical emergency on Pleasant Street.
10/30 at 7:38 p.m. Medical emergency on Mary's Way.
10/31 at 12:56 p.m. Line down in yard near Winterfrost Drive.
11/3 at 12:21 p.m. Vehicle crash on the corner of Maine Street and Town Hall Plaza.
11/3 at 3:05 p.m. Medical emergency on Station Avenue.
11/4 at 6:13 a.m. Medical emergency on Cumberland Street.
11/6 at 2:05 p.m. Parents seeking help for child locked in car on Maine Street.
Brunswick emergency services responded to 36 calls from Oct. 30 to Nov. 6.

subset: commoncrawl


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Machine Zigzag Seam Finish
This is a fast and easy method for finishing fabrics that ravel. Set the zigzag setting for medium width and length. For loosely woven or heavy fabrics use a wide stitch.
Zigzag along the edge of each seam allowance.
Zigzag along the edge of each seam allowance.
Pinked Seam Finish
Most firmly woven fabrics can be trimmed with pinking shears. Pinking doesn't prevent raveling entirely. For more protection, stitch 1/4" from each edge before pinking. Press seam open.
Hemmed Seam Finish
This method forms a narrow, single-fold hem along the edges of the seam allowances. Also called "clean finish" or "turned and stitched" seam finish. Use on lightweight to medium-weight fabrics. Attractive on unlined jackets. Turn the edges of the seam allowances under 1/4" and press. Stitch close to the folded edge.


text:
'I hope other abuse victims speak out', says brave Laura as stepdad jailed for 2 years
A brave young woman who was sexually assaulted by her stepfather as a child has today urged other victims not to be afraid to contact gardai.
Laura Johnston, now in her 20s, made the plea after George Crombie (47) was sentenced to two-and-a-half years in prison.
Crombie, with an address in Bloomfield Avenue, South Circular Road, Dublin 8, pleaded guilty at Dublin Circuit Criminal Court to eight counts of sexually assaulting Laura in their Ringsend home between February 2004 and December 2006 when she was aged between 10 and 13 years old.
Speaking through a spokesperson, Laura said she was satisfied the case was now over.
"I feel justice has been done and I'm glad the case is over and I just want to move on with my life now," she said.
"I also urge others who have been the victims of sexual assault to go to gardai or to someone they trust and tell them about it.
"People in such circumstances should now feel confidence in the legal system and have no fear in coming forward."
During the case it was heard that Crombie had a knife stuck in the waistband of his pyjama bottoms during one assault and told Ms Johnston there would be "murder in this flat" if she told her mother about the abuse, which took place over a three-year period.
The court also heard Crombie put a dog lead around his stepdaughter's neck while sexually assaulting her as a child.
Last week Laura read her victim impact statement to the court in which she condemned Crombie for "betraying her trust and love in him".
The court heard she wished to waive her right to anonymity.
Yesterday Judge Melanie Greally said it was clear Crombie was satisfying a particular sexual fetish during the assaults and referred to the use of the dog lead as "extremely frightening" and "degrading".
She said Ms Johnston had regarded Crombie as her natural father and that as such the "breach of trust was monumental" before she described the abuse as both "unrelenting" and "predictable", occurring every Thursday and Saturday.
Judge Greally said it was clear that Ms Johnston would continue to struggle with the "premature loss of innocence" and "blight on her childhood that can never be removed".
She acknowledged that Crombie had made admissions and spared his victim a trial before she imposed concurrent sentences totalling two-and-a-half years.
During the hearing it was said that Crombie had been with Ms Johnston's mother since she was a small child and Ms Johnston had a number of younger half-siblings.
Ms Johnston thought Crombie was her real father until aged 10, when her mother told her he was her stepfather.
When told the news, Ms Johnston showed her support for Crombie by ripping up the birth certificate that said he was not her real father.
However, he then began acting differently towards her and started questioning her about her friends and boys.
Crombie started going into her bedroom when her mother and siblings were asleep and touching Ms Johnston while she was lying in bed, the court heard. The abuse happened every Thursday and Saturday when he had been out drinking.


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I demolished the first half of a cast iron bathtub with a sledgehammer today, that's how you get built in ones out. Between cuts, blisters and sore muscles I could barely hold the knife to prepare this meal. One day I hope I learn I'm actually 20 years older than the last birthday I remember.
Basically the plate has four components, salsa, refried beans, guacamole and taco. I didn't have cilantro or parsley and didn't care a whole lot so the salsa only had tomato, chives, jalapeño, lime juice, salt and black pepper . I finely diced one seeded jalapeño and used a third of it in each of the salsa, guacamole and refried beans. Using rubber gloves to process the pepper made my eyes much happier later. I used only one lime and divvied it up among the components.
The guacamole was mashed avocado with lime juice, jalapeño, sour cream and salt. Not too much sour cream because I'm going to plate with it.
Refried beans are Old El Paso brand refried beans. Nothing else I've tried so far tastes as good as these to start, including making my own beans. To that I add jalapeño, lime juice, a little sour cream and salt. Warm them up and they're good to go.
Taco was a caramelized onion and yellow pepper cut into strips then sweated and taken from the pan. Sliced mushrooms seared nicely and removed then two chicken breasts cut into strips, coated in flour and seared in the pan. Add 1 tsp chicken stock powder, salt, mixed pepper, 1/4 cup water, all ingredients back in and then reduce to a thick sauce. Plate onto a flour tortilla, roll it up and over into the centre of the plate. Extra filling I put along the taco under the refried beans. Salsa on the other side and guacamole and sour cream dolloped on top.
When I started eating it tasted great but I realized I forgot to add the taco seasoning to the chicken. It was still great but it was wide of Mexican. Fern said it was delicious anyway and if I hadn't mentioned it he never would have noticed.


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Air Products and Chemicals, Inc.
December 11, 2002
U.S. Securities and Exchange Commission
Re: File No S7-43-02
Ladies and Gentlemen:
We appreciate the opportunity to comment on the proposed rules addressing the Conditions for Use of Non-GAAP Financial Measures. Air Products is a multi-national major supplier of chemicals, industrial gases and related equipment with annual sales exceeding $5 billion.
We support the Commission's goal to improve the transparency and quality of disclosure of non-GAAP financial measures. We believe that full and effective disclosure includes: a presentation of comparable GAAP measures along with non-GAAP measures; a quantitative reconciliation between the non-GAAP and comparable GAAP measures; and statements disclosing the reasons management believes the non-GAAP measures provide useful information. Presentation of non-GAAP measures with appropriate disclosures is both within the spirit and intent of Item 303 of Regulation S-K, as it enhances a reader's understanding of the changes in the company's results of operations. Item 303 requires disclosure of material events that cause financial information to not be indicative of future operating results. The proper use of non-GAAP measures can be an effective and concise method used to achieve meaningful disclosure.
The company is concerned with certain of the proposed amendments to Item 10 of Regulation S-K. We believe it is critical to maintain the ability to adjust non-GAAP measures for large, unusual, and individually unique items, even though transactions of a similar nature (but not necessarily substance) may recur in the future. Also, we believe the continued presentation of non-GAAP per-share measures, supplemented with appropriate reconciliations, should be allowed as it is a meaningful tool in communicating with users of the financial statements. Any regulations which make it difficult to communicate ongoing or underlying results of operations will be a disservice to analysts and investors and will make it difficult to understand and compare investment choices.
The company provides non-GAAP measures of operating income, net income, and EPS and bases its MD&A discussion of the results of operations on income excluding special items. The comparable GAAP measures are provided along with a reconciliation. The exclusion of special items focuses the discussion of the results on the ongoing operations of the company and its segments. The discussion of the changes in income based on GAAP measures only would be dominated by the disclosure of a few large and unusual items. The changes in income due to operating and recurring items would be overshadowed by the disclosure of these few large and unusual items. We believe that the discussion should focus on the ongoing or underlying operations of the company and its segments. The discussion should focus on such items as sales volumes, sales prices, raw material prices, energy costs, and productivity gains. Questions from outside analysts and investors are almost always directed toward the ongoing or underlying operations, excluding special items, of the company and its segments.
We disagree with the provision in the proposal that would prohibit adjusting a non-GAAP measure to eliminate or smooth items identified as non-recurring, infrequent or unusual, when the nature of the charge or gain is reasonably likely to recur. For example, the company has periodically disposed of businesses and product lines, which resulted in material gains. While the future disposal of a business or product line is reasonably likely to recur at some point in the future, its occurrence has been very sporadic over the life of the company. Also, while a future disposal would be a transaction of a similar general nature, the specifics of the transaction would vary in terms of the size of the transaction, the interim period impacted, and segment affected. These transactions should be disclosed but the discussion of the results of operations should focus on ongoing activities, which we define as excluding such large and unique transactions. Gains from disposals of businesses and product lines are not indicative of future operating results. Another example would be restructuring charges. These charges have occurred more frequently over the past few years due to current economic conditions. However, over the life of the company their occurrence has, also, been sporadic.
We believe the company is in the best position to decide what items should be excluded from the discussion of the ongoing operations and request that regulations not limit the company's ability to exercise its judgment in this regard. The Commission has stated within the Securities Act Release No. 6349, "It is the responsibility of management to identify and address those key variables and other qualitative and quantitative factors which are peculiar to and necessary for an understanding and evaluation of the individual company." We agree with this responsibility of management and strongly urge the Commission to reinforce it in Regulation G. Statements contained within the Earnings Press Release Guidelines issued by the Financial Executives International (FEI) and the National Investor Relations Institute (NIRI) further outline management's responsibility. It is management's responsibility to discuss the company's financial position with a reasonably balanced perspective of operating performance including key financial indicators that measure the health of the enterprise. We are concerned our ability to effectively meet our disclosure responsibilities would be impacted by regulations prohibiting the ability to adjust for large and unusual transactions. The use of non-GAAP measures has been a useful tool in meeting disclosure requirements in a concise and easily understood manner.
The company, also, disagrees with the provision in the proposal that would prohibit disclosure of a non-GAAP per share measure anywhere in a filing with the Commission. If the company did not provide EPS for net income excluding special items, this amount would be calculated by shareholders and analysts. The company's concern is that some could calculate this amount incorrectly, resulting in numerous questions and confusion. It is our belief that if an error by an analyst or investor would occur then the company should correct this calculation by others, but this proposal would prohibit disclosure of per share amounts. The company is requesting guidance on what the company's obligation is in respect to Regulation FD as it relates to an investor's incorrect calculation and analysis of a non-GAAP measure impacts due to preclusion of certain information. We believe that disclosing EPS excluding special items would be in the best interest of the users of our financial statements. As previously stated, the GAAP amount along with reconciliation would also be presented. Historically, non-GAAP measures were provided to supplement the period's GAAP results as well as to clarify both the period's performance and future prospects. The company believes that it is better disclosure to all shareholders to reflect non-GAAP measures on a per share basis.
In conclusion, the company supports many of the requirements of the proposal on use of non-GAAP measures. However, we believe it is critical to allow for the adjustment to non-GAAP measures for large and unusual items. We would suggest the proposed rules be modified to allow for the adjustment of non-GAAP measures for items of a similar general nature but yet individually unique. Also, we believe the continued presentation of non-GAAP per-share measures, supplemented with appropriate reconciliations, should be allowed as it is an effective and meaningful tool in communicating with users of the financial statements. We would support regulations, which prohibit the disclosure of non-GAAP per share measures on the face of the financial statements and in the accompanying footnotes. However, we believe the use of non-GAAP disclosures when discussing the results of operations (e.g., in the MD&A) is valuable and appropriate.
We thank you for the opportunity to express our views on this reporting issue and would be available to discuss this with the staff.


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Dr. Lisa Johnson
Curriculum Vitae
(Updated 2017)
Use the links at the bottom of this page to access specific content within the CV.
Professional Goals
Participation in proactive challenge solving with teams to design and facilitate effective, engaging, and empowering learning experiences for adult learners utilizing technology-enhanced strategies and to advance human potential through reflective service, practice, and publication.
Philosophy of Learning
Learning is most substantial when it occurs within a framework of affectively engaging, authentic, and reflective practice. My experience in formal and informal educational environments provides evidence that all learners have something to contribute. My role as a learning experience designer and facilitator involves assuring achievement of the determined outcomes while integrating the unique expertise and interest of learners as participants in their learning process. I accept as true that anyone can learn in a formal learning environment provided the individual has sufficient amounts of intrinsic and extrinsic motivation and an awareness of personal and situational affordances. I am confident that effective learning occurs most often when the curriculum is multimodal and highly relevant to the learner. Moreover, I strongly believe the most effective learning designers, developers, and facilitators are lifelong learners, which I am.
Technical Aptitudes
A selected list of moderate to advanced technical aptitudes relevant to learning design.
- Print & Web Design/Publishing (advanced)
- Multimedia & Web Design (moderate to advanced)
- Virtual Learning Environments (advanced; instructor/designer/learner experiences)
Expertise & Skills Summary
Instructional Design & Technology
Certified in Quality Matters Rubric as Peer Reviewer; proven aptitudes in the 105 performance measures for the 22 internationally validated instructional designer competencies published by the International Board of Standards for Training, Performance, and Instruction (IBSTPI, 2012); professional practice for over 15 years in multiple learning industry sectors; deep expertise in business and classroom needs assessment and application of learning theories and design frameworks for adult learners, including design, development, and evaluation of learning materials using standard industry and desktop and cloud-based software, including Apple, Adobe, Articulate, Microsoft, Techsmith and a variety of Web-based tools; experience as learner, instructor, and designer for common learning management systems (LMSs), including extensive skills with Pearson Learning Studio (eCollege), Desire2Learn (D2L), Blackboard and Moodle.
Strategic Planning & Project Management
Served on advisory boards and participated in steering groups with shared responsibility for determining strategic directions and selection of technologies for organizational operations and needs; served on taskforces, committees, and workgroups with shared responsibility for developing and revising organizational policy and procedures; individually and collaboratively developed and implemented strategic plans for departments and programs meeting internal and external regulatory expectations; applied proven evaluation measures for determining project success through outcomes-based assessment (e.g., Kirkpatrick's, Success Case Method); applied project management principles to workgroup functions and in specific initiatives, including program and course-level designs.
Research, Writing & Publishing
Published in print and online publications, including peer reviewed books and journals, blogs, university/company publications, and social media; Published numerous online curriculum and training materials, including supplemental and supporting materials for trainings and traditional classroom use in place-based and online contexts; co-authored and edited taskforce, program, department, and specific initiative-related reports and executive summaries; multi-method research skills with expertise in ethnographic and participatory analysis employing observation, focus groups, surveys, and interviews; conducted data analysis and visualizations, including infographics; frequently invited peer reviewer for Journal of Applied Instructional Design and Journal of Computing in Higher Education; peer reviewer and member of editorial review board (3 year term starting 2017) for the Online Learning Journal.
Training, Instruction & Facilitation
Taught and designed for online accelerated (5-6 week) and semester-based (8-16 week) courses for adult learners at undergraduate and graduate-levels; taught and designed for place-based/in-person workshops ranging from half-day to 2 weeks in duration and conducted webinars in Adobe Connect, WebEx, Blackboard Collaborate, and web-based services, including Google Hangouts and Skype (for Business); have applied asynchronous and synchronous design and facilitation strategies with success.
Use the links below to access other CV Pages or use the site menu navigation links under the CV heading.
Academic Appointments, Awards & Recognition
Learning Design & Facilitation


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California tangles with U.S. to save turtles
CALIFORNIA They urge U.S. to ban longline fishing or delay permits
California lawmakers are tussling with federal officials over the fate of the leatherback turtles that feed on jellyfish in Monterey Bay and nearby coastal areas, and migrate thousands of miles each year across the Pacific to lay their eggs in nests on Indonesia's beaches.
The Legislature has passed a resolution calling on the government to deny or delay permits to commercial fishermen who harvest swordfish in California waters and who want to deploy long lines bearing thousands of baited hooks in the same shallow waters where the turtles forage.
Marine biologists who track migration patterns of both leatherback and loggerhead turtles say populations of both species are in critical danger - that leatherbacks face possible extinction within 25 years and the loggerheads within 50.
The joint resolution by the Legislature argues that turtles often become "bycatch" and fail to survive when they are snagged by the lines, sometimes miles long, that are widely used by fishermen to harvest swordfish.
The legislators are urging the National Marine Fisheries Service to ban longline fishing, or at least delay issuing permits until a "critical habitat" is established for the leatherbacks and the status of the loggerheads - whether "threatened" or "endangered" - is determined.
The resolution was sponsored by Assemblyman Mark Leno, D-San Francisco, who argued that "the leatherback has survived as a species for over 100 million years and is now on the verge of extinction."
But biologists and regulators with the federal fisheries service, an arm of the National Oceanic and Atmospheric Administration, said no decision on the new fishing permits will be made until later this year and the "critical habitat" issue for the species is determined.
The hooks used by longline fishermen in Hawaii are already being greatly modified to protect the turtles, said Rodney McInnis, regional administrator of the fisheries agency, in a letter to Leno, and his agency's scientists are developing a "cleaner method for targeting swordfish while continuing to reduce ecosystem impacts," he said.
In a briefing paper on the Leno resolution, McInnis' scientific staff argued that new and modified "large circle" hooks used by Hawaiian longline fishermen have proved successful for "reducing sea turtle interactions."
Other measures, including increased surveillance and better training of the commercial fishermen, have cut the rate of fatal leatherback bycatch by 90 percent "while maintaining an economically viable fishery," the briefing paper said.


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This item is temporarily out of stock. However, we can notify you as soon as this product becomes available.
Thank you
We have received your request and you will be notified as soon as this product becomes available.
In order to keep our prices as low as possible, all CreateForLess order subtotals must be at least $10. This helps us save on labor costs when packing your order so we can extend the savings to you!
Description: Heidi Swapp Marquee Love Glue is recommended adding glitter to your Marquee Love Letters and Symbols. Perfect for adhering glitter to your paper, chipboard and other crafts as well. Acid-free. 6 oz.
1Orders placed must have a minimum subtotal of $10. More Info.
See more American Crafts Heidi Swapp Marquee Love Collection.
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text:
Election season will hit the home stretch this week when local election officials send out ballots to the millions of Californians who vote by mail.
But while voting by mail officially begins today, Californians will probably need a lot more time to fill out their ballots, which include 17 statewide measures on issues ranging from ending the death penalty to legalizing marijuana — to say nothing of the scores of local measures and races for city councils, school boards and special districts.
The statewide voter guide, which many Californians received over the weekend, numbered a record-setting 224 pages.
The state's voter roll swelled to more than 18.2 million residents last month, according to figures released by Secretary of State Alex Padilla.
The deadline to register to vote is Oct. 24. Registered voters can apply for a vote-by-mail ballot up until Nov. 1.


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- April 20, 1957 - January 12, 2018
- Wilmington, Massachusetts
of Henry's Passing
Share This Obituary
Arrangements made by
Barile Funeral Home
482 Main Street
Stoneham, MA 02180
Get Directions
Profile of Barile Funeral Home
View Phone Number
Receive Obituary Notifications by Email
Send Flowers
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Memories & CandlesPrevious
"Forever our hero
1 of 12 | Posted by: Susan cokash - Wilmington, MA
"Susan I am very sorry to hear about Henry I will miss him singing one of his favorite songs to me at our MS meeting.
2 of 12 | Posted by: lina dipaolo - tewksbury, MA
"I am heart broken to hear of Henry's passing. I met Henry at our ms support group in Tewksbury. He was a pleasure to talk to and when he spoke, you...Read More »
3 of 12 | Posted by: Camille Pietroforte - Billerica, MA
"Sue, Sara and Amber, My thoughts and prayers are with you. Hank was a truly great guy and will always live on in your hearts ♥. Love you all,
4 of 12 | Posted by: Pat MacDougall
"Dearest Sara and family, my deepest sympathies for your loss. Sending thoughts and prayers of comfort for you at this time. Sara you always spoke so...Read More »
5 of 12 | Posted by: Heidi Kumm - Nashua, NH
"Susan, I will truly miss Henry and our conversations about music and records. We shared that and our experiences living with MS. I was hoping to see...Read More »
6 of 12 | Posted by: Ron Esher - Wilmington, MA
"Henry was a wonderful man and it is no coincidence because he came from a great family. He is one of the great memories of my childhood because when...Read More »
7 of 12 | Posted by: John Gerardi - family
"Condolences to Susan and her family. Such sad news, a great guy and high school friend. Some facts I remember about Henry, never missed a day of...Read More »
8 of 12 | Posted by: Denise Viscardi - Foxboro, MA
"In the short time that Henry belonged to our MS Support Group in Tewksbury we grew to love his humor and everything else about him. He will be...Read More »
9 of 12 | Posted by: Marie Horgan - Tewksbury, MA
"Dear susan, sara, and amber, I am so sorry for the passing of Henry. He was truly a gem, one of a kind. He loved you all more then life itself. He...Read More »
10 of 12 | Posted by: Melissa Firicano - Wilmington, MA
"My sincere condolences. May the God of all comfort strengthen you all during this difficult time. Rom 15:4JD
11 of 12 | Posted by: A friend
"Our sincere condolences to the Cokash family in the loss of your dear love one. Our prayers are as yours, that God provide his care and comfort you...Read More »
12 of 12 | Posted by: - MA
Henry "Hank" Cokash of Wilmington, passed away on Friday January 12, 2018 with his family by his side. He was 60 years of age
Raised in East Boston, Hank is the loving son of Josephine (Firicano) and the late Henry G. Cokash. Hank loved music. In his house there would always be music playing for him and his family and friends to enjoy. He loved collecting stamps and records. He has one of the biggest record collections known. He loved to dance and would be the first one on the dance floor. Most importantly, he loved his family. They were first and foremost in his life.
Hank was the beloved husband of Susan (MacDougall). Devoted father of Sara and Amber Cokash. Loving brother of Cathy Nikodemos and her husband Paul and John Cokash. Dear uncle of Jaclyn and Lauren Nikodemos and many loving nieces and nephews.
Funeral from the Barile Family Funeral Home 482 Main St. (RT28) STONEHAM Thursday January 18th, 2018 at 9am followed by a Funeral Mass Celebrating Hank's Eternal Life in St. Patrick's Church 71 Central St. Stoneham at 10am.
Family and friends are kindly invited to gather and share remembrances with the family on Wednesday January 17th, 2018 from 4-8pm in the funeral home. Parking attendants and elevator available.
Please consider donations in memory of Hank to The Multiple Sclerosis Community Foundation at http://mscommunityfoundation.org/donate/


text:
Large Format Posters
Posters need to be designed and created in a manner that best communicates your message in a visual, graphical manner, so the viewer can quickly discern your message and determine whether she/he needs to read more or move on to the next poster.
PowerPoint is one of the programs of choice for creating posters because Power Point is user-friendly and is readily compatible with other Microsoft programs such as Word, Excel, and Access. Other software packages that can be used for posters include (but are not limited to) Adobe Photoshop, Illustrator, InDesign, and FreeHand; Corel Presentations; and Microsoft Publisher.
TLMC Quickstart: Creating Large Format Posters
The following tutorial (long version), courtesy of the TLMC, will help you to create a large format poster in PowerPoint 2013:Create a Poster
NDSU Undergraduate Center for Writers provides links to excellent resources for creating posters.
Browse and examine thousands of posters in various scientific subjects on this Open Science publishing platform: F1000Research.
Designing Conference Posters
This site, created by Colin Purrington, contains a wealth of information and advice on creating posters. Check out Colin's poster example with tips.


text:
Recova Technology
Specification Sheets
Proudly based in the United Arab Emirates, our privately owned company is the largest manufacturer of carpets in the Middle East and the region's only producer of polyurethane-backed carpet tiles.
As a vertically integrated manufacturer, Standard Carpets guarantees consistency and quality through every step, from producing our own yarn to preparing the finished products for shipping. Owning the entire process also enables us to offer flexible, creative and customised solutions to our clients.
Carrying the ISO 9001:2000, ISO 14001:2004, & OHSAS 18001:2007 certifications, Standard Carpets is committed to sustainability and follows environmentally responsible practices in its choice of both materials and manufacturing processes.
Factory transitioning is already underway. New manufacturing plant located in Dubai Industrial City is set to open January 1, 2015.
Video Not Supported
Standard Carpets has confirmed its participation in Domotex Asia/ CHINAFLOOR 2015. Come visit our stand at the Shanghai New International Exhibition Center (SNIEC) from March 24th to March 26th.
Booth Location Map


text:
The first card is a shaker card that I made using Dashing By stamp set & Die-namics and Snow Drifts Cover-Up Die-namics.
Bubblegum, Pink Lemonade, and Insulation Pink dye inks on a Primitive White panel. The new PI girl was stamped and colored on the matching die-cut piece.
I die-cut five Snow Drifts Cover-Up and layered them to create the shaker frame. (Of course I put a piece of acetate under the top layer, you may not see it in the photo above though.) I knew that some kind of foam sheet would make this process easier. So I had ordered it, but I wasn't patient and it arrived here on the next day I made this card. LOL!
Next up is a slider card.
Elf Green for my card base. I stamped the houses, trees, and snowman from Winter Wonderland stamp set, colored them with Copics, and added some Frosted Lace Stickles here and there. The girl from Dashing By stamp set was stamped and colored on the matching die-cut piece.
Now, let's see the slider part in action.
Blueprints 3 to make the slider slot. It was the first time I made a slider card. It's easy and fun! I'll be making more slider cards in the near future.:)
Please make sure that all of the new products will be available for purchase on October 6th at 10:00 pm EDT.
Head over to the MFT blog for more details of the new products revealed today and more inspiration from the other DT members.
Thank you for stopping by. See you tomorrow again!


text:
Jamaal Charles is one of several Chiefs players from Texas, but it's unlikely any of the others had a larger cheering section at NRG Stadium for the team's season opener against the Texans.
Charles paid the rental for two buses, filled with fans from his Port Arthur, Texas, hometown, to Sunday's game, which the Chiefs won 27-20.
"It was exciting to be back home and be back in the stadium I've played in before," Charles said.
Charles scored three touchdowns and rushed for 62 yards in Texas' 70-3 victory over Colorado in the 2005 Big 12 championship.
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Et Sans Resultat! The best grand tactical Napoleonic Ruleset I tried since a long time.
When I started wargaming here in Verona, we had neither a Napoleonic ruleset, nor adequate miniatures. That was quite peculiar, as the Napolenic Wars are one of the favourite periods for wargamers around the world.
After some years, I decided to start a Napoleonic project with Marco, the only other player interested in that era. After some checking on the Net for adequate rulesets, we found some interesting ones: we got a few, tried some, and will try more in the future.
We found the lack of a clearly dominant ruleset quite peculiar, thus we had to choose by ourselves what we wanted to pursuit. Some characteristics are mutually exclusive, such as the difference in focus between the tactical control and the "grand tactical" one: to achieve both seems to be beyond the possibiliy for any wargames, without becoming muddled in endless minutiae and almost impossible to play or enjoy.
So we split our search into two different fields: a "grand tactical" ruleset and a tactical one. During my search I found on TMP news about a recently published ruleset that piqued my interest, and I got the general impression that it was focused both on command and control and relatively "rules-light". That was what I was searching, and I had to try it!
That game was Et Sans Resultat! (ESR from now on). Delivery required some time (the US is kinda far from my quaint little Verona, after all!). From the graphical standpoint, the book is a very pleasant view: it's a full colour spiral book, nicely illustrated, with the rules clearly supported by examples. You could say I loved it already.
We tried it with the stock redoubtable cardboard stands – still lacking minis for the age, sadly!- and we liked it quite a bit: the rules gave us the "feel" of being a Corps commander in a Napoleonic epic, without having to worry too much about tactical nuances, or details like checking when a formation had to form square or line or whatever. I won't focus particularly on the details of the ruleset here, as I'll give a link to my own review of ESR at the bottom of this article.
|No miniatures, for now
So we started buying and painting (very slowly, as usual) our miniatures: we picked French (of course), Austrians and Russians. The chosen period was approximately 1805-1809, because in those years there were some battles in our Northern Italy, as well as in the Central Europe.
In the meanwhile, the author of ESR, David M. Ensteness, who is very active on the social networks and on the Yahoo group about ESR, adressed many of the concerns and improved the rules by publishing an updated Second Edition. The graphics were even better, the rules clearer and simpler to grasp, with many unclear points explained more thoroughly, reducing the chance of different interpretations.
Last year we ran a demo game of ESR at Verona Model Expo. We have to thanks Stefano Bassetti, who borrowed us his huge (and awesomely painted, I may add!) 6 mm collection. We had a rather interesting scenario, loosingly based upon 1809 Bavarian Campaign.
Then others projects stumbled in, and real life tooks its toll, so our Napoleonic gaming and painting slowed down considerably. We still managed to try FOGN and we're going trying GdB for the tactical level game (stay tuned on the blog for news about them!).
I also purchased the second campaign book published for ESR, "Roll up That Map", focused on the year 1805 in Germany.
And so we get to the current day, and I'm proud to announce you I managed to publish my first article on a wargaming magazine. My review of ESR 2nd edition has been published on the last issue (January 2017 – number 63) of "Dadi e Piombo". For the non-Italian readers, "Dadi e Piombo" (Dices and Lead, literally), is the only wargaming and miniature magazine currently published, once every 4 months, in Italy. It also organises two main events in our hobby conventions in our country: Milano Wargames and Dadi.com in San Marino.
Well, enough chatting, you can found my review here, both in Italian and in English:http://thewargamingcompany.com/pdfs/Dadi-Piombo_Magazine_Review_in_Italian.pdf
Should you be interested in Et Sans Resultat!
Its website:
Yahoo group:
And the Facebook page:
We also started an Italian Group:
*All the images are used with permission of The Wargaming Company


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Barack Obama has confounded political pundits as he has dodged left then right and defied prediction in his early presidential dance.
He releases CIA torture info with one hand and then protects the inquisitors with the other. He spends billions on bailouts then cuts wasteful spending. Iraq is a draw down but Afghanistan is a run up!
The most outrageous issue of all may be the Obama gun conundrum. The Bush Sunday in the Park with Firearms will remain defaeted by courts without an Obie Defense. Predictable say their gun happy fools on the right. But who saw the decision to allow the ban on assault weapons to expire coming from the Hawaiian candidate from whom the militant militiamen of the religious right hid their arms?
National Review, Soldier of Fortune and Gangsta Arsenal Poetry and Firearms Digest all praised Obie's submachine gun stimulus package.


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Moving Docs meeting and workshop in Athens
Doc Lounge is now into its third year as a partner of Moving Docs, a unique partnership project founded for the joint distribution of documentaries across Europe. This week, Doc Lounge co-directors Andrea Arvidsson and Maja Lindquist spent a few days in Athens, Greece to take part in a joint meeting and workshop with other Moving Docs partners from all over Europe.
The meeting included a workshop for co-creating of paneuropean outreach and impact strategies for the elected Moving Docs films for fall 2017. Participants was also served with inspirational talks and support from experts in the field such as Ziad Ramley from Al Jazeera English, Caty Borum Chattoo, Co-Director of the Center for Media & Social Impact (CMSI), Kay Meseberg, head of VR/360 at ARTE and Ben Kempas from Film & Campaign.
The films that Doc Lounge will distribute through Moving Docs for fall 2017 will be released in June.
Read more about Moving Docs here.


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Hamilton Park
Sponsored By
Woman Shot While Riding CTA Bus A 57-year-old woman was shot while riding a CTA bus Thursday night in the Hamilton Park neighborhood, authorities said.
Man Found Dead In Van On South SideDetectives have launched a homicide investigation after police found a man dead from a gunshot wound to the head Saturday afternoon in the Hamilton Park neighborhood on the South Side, police said.
1 Dead, 13 Wounded In Weekend ShootingsA teenage boy was killed in the South Side Hamilton Park neighborhood and at least 13 others were wounded in shootings in the city Friday night into Saturday morning.
Police: Man Killed In South Side Shooting A man was killed in a Hamilton Park neighborhood shooting Tuesday afternoon on the South Side.
28-Year-Old Mother Killed In Crash On South Halsted StreetOne woman was killed and three others were injured early Friday in a crash that closed busy South Halsted Street in the Hamilton Park neighborhood.
Two Police Officers Injured In South Side Crash
Man Survives Gunshot To Head, In Serious ConditionA man was shot in the head Saturday afternoon in the South Side Hamilton Park neighborhood, but his injuries do not appear to be life-threatening, police said.
Two Injured In Separate Shootings On South SideTwo men were injured in separate shootings about two miles apart on the South Side on Wednesday afternoon.
Girl, 3, Dies After TV Falls On Her HeadA 3-year-old girl was killed when a TV fell on her head in the Hamilton Park neighborhood, in the second such incident in recent days.
Man Critically Injured In South Side FireA man was critically injured Saturday in an apartment building fire on the South Side.
Man Shot To Death Sitting On Park BenchPolice are looking for the person who shot and killed a man sitting on a park bench in Hamilton Park, on the city's South Side.
Man, 53, Fatally Shot On Front PorchPolice are looking for a gunman who shot a man to death overnight on his own front porch in the Englewood neighborhood.


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Capitalism 201: Applied Capitalism
We have heard and read a great deal about capitalism form some very astute people such as Professor Richard Wolff and read numerous articles about and Marx and Marxist theory on-line and from many books.
I refer to them as theoretical capitalism.
This I will call applied capitalism. As it it has been and is currently applied in most countries and on the streets.
Capitalism Plunders
This has been the case from the very first. It plunders land, resources and people. Forget the propaganda that you have been told about hard work and enterprise and all. Capitalists take what they want, if necessary by force. This country was plundered from the first. Of land and animals and resources. From the natives. Africa was plundered and it's people were brought here and there labor was plundered.
When people like Krugman and Reich talk about "growth," what they mean is resources and people to plunder. The financial sector and the military industrial sector is all about plundering. JP Morgan working in collusion with Bernie Madoff is a perfect example of this. As well as the various wars and military bases.
Capitalism Exploits
It exploits the resources and land and especially people. Capitalism will take undo advantage of any person, place or thing. From Wall Street right down to the corner Quicky Mart. Capitalists are known for manipulating stocks, and currencies and commodities to take advantage of the situation. This is especially true of peoples emotional and mental state. This was proven evident with the market crash of 1929 which was at least in part do to manipulations of a certain group of investors who played upon those who would panic when a stock would go down, by the stock selling short.
But it does not end there. The whole point of the corner used car lot and the all night Quicky Mart is to take advantage of people who are wanting or even desperate for their products and services. Charging as much as they can get way with for them, often for products and services of questionable value and use.
Even the medical profession is known for this. Using scare tactics and people's fear to manipulate them to have tests and procedures done, working in consort with the pharmaceutical industry to peddle their wares and the insurance industry who uses your fear of financial ruin. Threats and intimidation are honed in all of these.
What is euphemistically referred to a Pay Day Loans are really another way to exploit those on the edge via legalized loan sharking. The funeral industry makes nearly all it's money from exploiting peoples emotional and mental states after a loved ones death, as does the legal profession.
There is in fact not a single situation or capitalist enterprise that does not exploit a person's emotional or mental state. Madison Avenue has it down to a science. Colleges give degrees in this as well.
Capitalism Oppresses and Deceives
Capitalism has always needed some group to oppress and subjugate. Politically and socially and economically. Natives and Blacks and Women and Italians and Irish have all been used in this manner. Using military and police forces to make sure they have little recourse. Stymieing their ability to have any voice or even any kind of a decent life. So to make it easier to exploit them and their labor. Labeling them as inferior in some way or always suspect. Blacks are still the group of choice in this country for this but can be replace with another group if necessary. Using the so called justice system to incarcerate them so as to provide cheap or free labor for tasks that capitalist will not perform. Even helping to plunder other people. Nearly all of politics is geared toward this. It is also required that these groups be easily identifiable by their appearance as well as their behavior, so the can be more easily rounded up when necessary, or disposed of.
It also deceives and lies and misleads. So as to increasing the capitalists chances of exploitation and plundering.
I hope with this added insight into the workings of capitalism, the reader can become better able to avoid it's many pitfalls and landmines.


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"Logistics is the most challenging of all business processes due to its extreme cross-functional, nature and this challenge increases exponentially in a global environment."
-J. Paul Dittmannn, Vice-President, Whirlpool 1997
Whirlpool was founded in 1911 by three brothers - Frederick, Louis and Emory Upton. Their company, then called Upton Machine Corporation (Upton), was set up at St. Josephs, Michigan, USA. In the 1980s, Whirlpool expanded into markets in Europe, Mexico, India, Canada, China, South Africa, Argentina, and Brazil. In 1987, Whirlpool and Sundaram-Clayton of India formed TVS Whirlpool Limited to make compact washers for the Indian market (Whirlpool Corporation acquired majority ownership in 1994).
Today Whirlpool Corporation is headquartered in Michigan, United States and is the world's leading manufacturer and marketer of major home appliances having an annual sale of more than $19 billion in 2011. There are 68,000 employees and 66 manufacturing and technology research centres around the world. Whirlpool was ranked as No. 1 in Fortune Magazine's 2011 World's Most Admired Companies list in the Home Equipment, Furnishings industry. It was also named as 2009 Top Companies for Leaders list, becoming ninth in North America and 15th globally.
Whirlpool's supply chain encompasses more than 40 manufacturing facilities supplied from 7,000 different suppliers from every corner of the world. These facilities import as well as export products to separate regions and delivered to about 30,000 retailers worldwide. Besides retailers, the company also delivers products to builders and directly to consumers' houses. Whirlpool has 2.2 to 2.5 million units in inventory at any given time.
While the Whirlpool brand has long been associated with reliable household appliances, its supply and delivery performance in 2000 was far from being reliable. The unfortunate irony of the situation is that availability was low even while total inventory levels were often too high. These inconsistencies were frustrating to retail partners and customers. It was clear to executive leadership that these supply chain management issues had to be fixed.
Thus some of the issues can be short-listed as:
- Oversupply in distribution channel.
- Slow response to non-standard orders (waiting time of 5 to 10 days for retailers.)
- Inadequate Inventory for some SKU's leading to stock outs.
- Excess inventory which were transferred forcefully to distributors.(Almost 15 temporary buildings for stockpiles)
- Lack of communication between ordering and manufacturing units
- Large number of forecasting errors led to increased storage cost (result = locking of working capital)
- The increasing paperwork caused increase in operational costs and issues with vendors
- Too many 3PL's resulted in transactional and adversarial relationships. (Issues included contract variations with no common metric to measure and check distribution)
- Vendors started demanding to publish all trade item information to the global data pool for product information.
Whirlpool used a three tier method to obtain insights in supply chain. The first step was Understanding End Customer needs. The major needs that were identified by the customers were
a) Delivery on promised time
b) Delivery with integrity
c) Faster delivery time
In order to achieve the goals in Supply Chain Management, Whirlpool started using various restructuring initiatives. Some of them have been discussed below:
"We want to get the right product to the customer when they expect it. While that is a simple set of outcomes, it is an incredibly complex set of activities that have to be orchestrated all the way to
our suppliers."
-Reuben Slone, Vice-President of Supply Chain, Whirlpool 2003
In 2009, Whirlpool was facing forecast accuracy and demand variability challenges. Benchmarking best practices in forecasting led Whirlpool and some of its key trade partners to believe that CPFR offered a significant opportunity for improvement in the area of forecasting. The desired state was to have Whirlpool or trade partners host a collaboration hub that would act as a single point of storage for all forecast related data which is shared between both companies within a very secure environment.
Before the implementation of CPFR, the forecast error was 70% which dropped down to 11%. Whirlpool and its trade partners saw a reduction in weekly order variability due to improved forecasting and a less reactive stance by trade partners to take corrective action in order variability. A forecast mismatch alert system was set up which allowed improved accuracy by analysing the causes and making creative action plans.
By early 1999, whirlpool adopted EDI to enhance the efficiency of its supply-chain further and cut down on its expenses. It launched a scheme called the Easy EDI, using which the company and its 600 suppliers could reduce paper work. EasyEDI, as per the management at whirlpool, was aimed at achieving two benefits:
- Eliminating paper work of Whirlpool's 300 smaller suppliers, and
- Reducing operational costs for its data interchange thereby saving upto $600,000 a year.
EDI initiatives at Whirlpool prompted its small and medium sized suppliers to use the system. Later by 2000, Whirlpool started offering the service to 300 of its largest suppliers.
Whirlpool initially used mails for communication with its trade partners where numerous forecast-related documents were sent to its key trade partners via e-mail. This led to confusion about which documents were the most current. Whirlpool selected i2 Suplly Chain Collaborator software to solve this issue of version control. The most current version of any file was now located in the secure, shared files section, easily accessible by any planner from either the Whirlpool or partner viewpoint. This ensured that the same data is being used for planning/forecasting purposes by both Whirlpool and its trade partners. i2 Suplly Chain Collaborator allowed Whirlpool to migrate from a monthly alignment of forecasts to a weekly alignment, improving overall accuracy levels. In addition, the forecasting performance also improved because there was less room for human error.
Online Shopping:
In early 2000, Whirlpool in order to develop its electronic supply chain initiatives set up an electronically-enabled organizational initiative and developed Internet enabled home appliances. The company also developed a site called WhirlpoolWebWorld.com, setting up a Business-to-business link. WhirlpoolWebWorld procurement let Whirlpool purchase all the items it required through a common online catalog from its suppliers. It also enabled all its retailers around the world to order from Whirlpool.
Demand Management:
Whirlpool also wanted to improve its demand management system. Earlier, it used old techniques like spreadsheets and home grown systems to determine demand. But those systems could not accurately manage the various inputs and consumer variables. After a careful review, the management decided to use the I2 Demand Planner to track demand in 1997.
Move towards Outsourcing:
By early 2000, the company decided to revamp its entire distribution strategy. It decided to have its private fleet managed by a third party. Penske took over the Quality Express network. This outsourcing to Penske brought several benefits to Whirlpool. Whirlpool concentrated on the manufacture of white goods, while Penske's Quality Express network took care of the logistics. Towards end of 2001, Whirlpool started a new website that tracked real-time information on customer orders. The company hoped this initiative would reduce the number of phone queries it received and improve customer service.
The e-initiatives taken up by Whirlpool immensely improved its supply chain operations. Some of the benefits of implementing e-initiatives have been noted below:
- Product availability at Whirlpool increased in the range of 90 to 95 per cent
- Inventories were reduced by 15 to 20 per cent
- Lead times became as low as five days.
- Forecasting errors were reduced by 50%
- Warehouse and transportation costs saving rose up to 5%
- Improved quality of goods delivery and integrity
- Improved relations with suppliers
- Increase in customer service levels
In order to maintain quality in its logistics processes, Whirlpool used the Malcolm Balridge Award Quality Criteria. The efficiency of the entire process was measured in terms of the quality, cost and cycle time. Whirlpool constantly tried to update and adapt to the latest best practises, ideas and innovations. The restructures operations yielded considerable benefits to Whirlpool. As per reports, this led to a $4.8 million reduction in standing inventory in Australia alone over just seven months! Whirlpool also reduced its annual inventory by about $250 million a year and to deliver products in 48 to 72 hours. Whirlpool also saved about $100 million a year because of improved efficiency in the new distribution system in 2005-2006.Ordering and delivery functions of Whirlpool used to be located in separate divisions, complicating coordination and resulting in costly mistakes when Whirlpool made too much of a certain product.41 out dated warehousing sites were replaced with 10 huge regional distribution centres that used high-tech warehouse management systems and upgraded vehicles that could handle a variety of products.
- http://www.whirlpoolcorp.com/about/history.aspx
- http://www.icmrindia.org/casestudies/catalogue/Operations/Operations%20at%20Whirlpool-Operations%20Management%20Case%20Study.htm
- http://www.information-management.com/issues/20030701/7013-1.html
- www.wikipedia.com
- www.scribd.com
- "Operations a Whirlpool"- Poornima Pillai, ICMR Hyderabad, 2004
- "Leading supply Chain Turnaround'- Howard Business Case
- "CPFR at Whirlpool Corporation: Two heads and an exception engine" – N Sagar
This article was submitted by Ananya Mishra. Ananya is a B.Tech in Computer Science and Engineering from Institute of Technical Education and Research, Bhubaneshwar. She has 36 months of work experience in Infosys Limited as Senior Systems Engineer. She is a movie buff ( Bollywood of course!!) and loves cooking. She is also interested in reading sci-fi and thriller novels. She may be reached at email@example.com


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April 18, 2012
By Cynthia Creek, media assistant
The Northwest Missouri State University Horticulture Club is hosting its fifth annual plant sale from 3 p.m. to 6 p.m. Friday, April 20, and 9 a.m. to 3 p.m. Saturday, April 21.
The plant sale is open to the public and is located at the Horticulture Complex on the north end of campus by the Forest Village Apartments complex.
Patrons may choose from an array of plants including, tomatoes, peppers, basil, a mixture of annuals and house plants.
"This has become an annual event for the group, and funds are used to help defray costs of field trips to regional and national competitions," Rego Jones, instructor in the Department of Agriculture and Horticulture Club advisor. "The group starts these plants from both seed and cuttings, and planning begins nearly a year in advance. This year has been a very unusual year, as everyone knows. All plants, both in the greenhouse as well as in gardens, are a bit confused as to blooming time."
All proceeds benefit the Horticulture Club, which is open to all Northwest students regardless of their major. The club helps students learn and gain a better understanding of plants, in addition to helping horticulture students apply concepts they learn in their courses through hands-on experience.
Mark Hornickel, Communication Manager
email@example.com | 660.562.1704 | Fax: 660.562.1900
Northwest Missouri State University
215 Administration Building | 800 University Drive | Maryville, MO 64468


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Ronald T. Patterson of Monsanto Co. will receive the highest honor of the Western Manufactured Housing Institute--the Jack E. Wells Memorial Award--on March 1 at the institute's annual meeting in Palm Springs.
The honoree joined Monsanto's Engineered Products Division in 1966 as a salesman for the firm's Fome-Cor product line, serving the manufactured housing industry.
He served for three years on the institute's board of directors and another three years on its supplier board of governors, including terms on each as vice chairman and chairman; two years on the energy advisory committee, including a term as chairman, and two years on the supplier show committee, with a term as chairman. He also became the "perennial chairman" of the institute's annual golf tournament.


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Tales of the Stars
Name: Brynt Code: Brynt -13:-13 C754500-8 SP Lo Empire: Independant Size: 11,200 km Gravity: 0.84 Temperature: Cool Temperate (0-30) Atmosphere: Thin (0.7) Hydrographics: 45.00% Population: Hundreds of Thousands Government: Family/Clan/Anarchy Faction: Family/Clan/Anarchy(Fringe) Law Level: 0 Starport Class: C Quality: Routine Berthing Cost: 1000 Cr Fuel: Unrefined Facilities: Limited Repair Bases: Pirate Tech Level: 8-Pre-Stellar Trade Code: Low Population Notes: Once a sprawling metropolis under the flag of the Earth Directorate, Brynt was decimated by a freak solar storm, that blew away most of it's ozone layer, and some of its atmosphere. Most of the population perished in the aftermath, and the planet was abandoned. Now it serves mostly as the home of those who have nowhere else to go or need to disappear for a long time. Daytime Rad Levels: 40/hour


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Fans remember Eddie Guerrero - Page 2
Eddy Guerrero in Mexico backstage with Canada's Vampiro.
- photo by Mike Lano,
Everybody wants to know... about Eddie Guerrero
'Way too many guys have died': JBL
Wrestling world mourns Guerrero
Meeting Eddie: A soldier's story
Fans remember Eddie Guerrero - Page 8
Our Eddie Guerrero biography
Send in your memories of Eddie Guerrero, and we'll collect them into a story to be shared with others. Email:
I have seen it and still don't believe it. No one is supposed to die at 38 years of age. A man, who was battling personal demons and had finally gotten his life straight was still taken away from us. Life is not fair. Eddie had the two things that make a wrestler great, athleticism and great microphone skills. He was the perfect talent, I think the greatest wrestling moment in his life was when he stood in the ring with Chris Benoit at Wrestlemania XX with both of the World Championships. I'm sure that moment will be played in wrestling fans minds over and over again over the next few days. The only good news is that we all know he is in a better place. The matches that him and Owen are putting on right now have to be 5 star matches. Too bad we can't see them. Rest in Peace Eddie, may God bless you, and thank you for all the great memories you have left us.
Longtime Wrestling Fan
My memories? When he won the WWE Championship @ No Way OUT.
soledad raygoza
I got back into religiously watching wrestling when Rey Mysterio first appeared. I would watch with my friends and make fun of Eddie and the mullet he so proudly wore. I didn't like him at first, that hair just bothered me but I recognized that he was a very talented wrestler. Then at last came the day when I cheered when I saw Eddie come out from behind the curtain with his music going and I knew I was a fan! I started to imitate his hand gestures everytime he came out for his match. I absolutely loved it when he came out with the low-riders. I even cried watching WrestleMania XX when Benoit won, and started crying even harder after seeing the genuine friendship and admiration Eddie showed when he came out to shake Benoit's hand.
I was in Heaven when Rey-Rey and Eddie teamed up. I figured though that the Lie, Cheat, & Steal persona would come back and I was furious when he betrayed Mysterio:) It was fun to watch, the "adopted son" story was deep for WWE, I thought. I never met him, but he was one of the SuperStars I did want to meet, and he was one of the reasons to go to the Live Events. Something was always bound to happen when he was lurking about!
My deepest condolences go out to his whole family, thank you Eddie for showing us that even in the darkest hour there is light, and you can make it through anything.
Casey Kuntz
I will never forget Eddie Guerrero, he was a great wrestler and was one of my favorite superstars in the WCW and WWE an I really respected him for what he did and what he stood for but I can't believe he's gone and it hurts knowing he isn't around anymore to do what he does best is entertain the fans. I want send out my best wishes and thoughts to the Guerrero family and hope they get through this difficult time.
I never really met Eddie in person but have always respected him. I've seen him live about 4 times and was always amazed by his talent and heart. He always put everything he had into every match and left the fans feeling fufilled. He will be greatly missed by me and many others.
This is truly a sad day in wrestling as we say goodbye to another legend.
Heber Fodo
Five months ago my family saw Eddie and the Smackdown superstars at a Sunday night house show in New York. It is just so shocking to learn of his death. He was always entertaining, always giving his best for WWE fans. We made some posters for that house show. At the time Eddie was in a feud with Rey Mysterio. When Eddie came out I held up a sign in large letter "WHY EDDIE WHY" ... WWE fans asked this during Eddie's runs as a heal character. Eddie looked over and acknowledged the sign with a nod and a sly grin. But that same question sticks tonight -- Eddie why did you have to leave us so soon?
We will definitely miss him.
Steve Lessard
I would like to share with you my memories of the late great Eddie Guerrero. I saw him in person about a year ago to the day. Eddie was such a great performer in the ring. He had the skills to do any type of match. At the time I saw him he was going up against Booker T, and JBL for the World Title I think in a Triple Threat match. I was really hoping that Eddie was going to win. I always loved to see him joke around in the ring. I always thought it was funny when he cheated to win his matches. It was great to see him win the Championship in 2004. I was thought he would make a GREAT champion and he did. I enjoyed watching him against Kurt Angle at WrestleMania XX that was such a great match. I will always remember him. I pray for his soul and for his loving family. God Bless You Eddie Guerrero. I know I will never forget you.
Your Fan, Kelly Edwards
I just wanted to say that my family and I are saddened by the sudden passing of Eddie Guerrero. Being avid watchers of Raw and Smackdown, it just won't be the same without Eddie. He WILL be sorely missed. It's just so hard to believe he's gone. Thank you Eddie for all you've done for the sport of wrestling. You've given fans many hours of enjoyment watching you perform, you will never be forgotten, rest in piece. Condolences to the Guerrero family.
The first day I met Eddie, he was a funny, active and a well-mannered man.
He made everyone laugh,
He made everyone cry,
He made a name for himself with everyone!
We will never forget you Eddie.
Peace out!
ps: I'm so sorry for Vickie and her kids.
Peace be with you at all times, never worry, you will never be alone, Eddie will be there to look over and protect you at all times through the good and bad times. Love all wayz, Rhiannon Todd
I first remember seeing Eddie in WCW in 1996. Aside from his skills there was nothing memorable. Once the "powers that were" started letting him do a little more, he instantly became a favorite.
His character got better when he jumped to WWE and I'll never forget how happy I was when he beat Lesnar for the title and got to run with it for more than a week.
Eddie Guerrero was a truly great performer and a strong man for being able to defeat his personal demons. Everyone who got to know him personally as friend, met him in passing, and saw him perform in the ring are all the better for it and future generations will be all the poorer because his legacy has ended early.
-Craig Moore
I had the chance to meet him at an autograph signing where he signed my WCW U.S. Heavyweight title. He said, "oh, it's an old one!" I told him that I got it because I watched him win the same title, and I thought it looked great on him. He laughed and thanked me for the support. I really am stunned. I can't believe that he's gone. I know that he should have won the WWE title tonight. All of this does not matter though. A great man, a great entertainer is gone. I will always be grateful for the chance to meet him and shake his hand. It is my favorite memory of all time, and I will not forget him ever. Rest in Peace.
James McDermott
WOW, still sitting here looking at the screen, not knwoing what to believe, Eddie Guerrero has gone, following his career over these last few years and knwoing about the demons he had, to be taken so young, Eddie was an inspiration that you could turn your life around. Godspeed Eddie, Thanks for the memories.
Sunny Lotay
My deepest condolences to Eddie's wife and children. Smackdown or RAW will never be same again without "VIVA A LA RAZA, MY BRO". He was, and will always be my favourite. He always brought so much fun in the ring. Will miss him, but he's now resting.
From Margaret, South Africa
Eddie, you left us as a champion.... forever we will remember you as a champion that you really are because you managed to fight out the demons inside of you... we will miss your "Viva La Raza" and your lowriders walking down the aisle... you deserve a great spot up there, and we all know you have it because you very well deserved it.
William OCHOA
Like many of you, I grew up and avid wrestling fan and I continue to be a die-hard fan to this day. However, as an adult I have a better respect for professional wrestlers and what they do. No other entertainers sacrifice and go through more politics than these sports entertainers. The ridicule of their art combined with the constant demands of 300 days a year on the road with the harmful physicality is a burden that most humans can't pull off or understand. But why do they do it? For us. And that's what qualifies these men and women to be considered heroic. I am a production asst. for a cable news network and not only did I inform them of the story and tell them why it was important to put him on the show tonight, but I challenged the "Powers That Be" a second time after I saw the generic write-up they originally put in the script, and suggested they acknowledge him as a star and former wrestling champion and not just a "popular wrestler". Bottom line, you really get the feeling that by following these wrestlers show to show, DVD to DVD, appearance to appearance, that you get to know these larger than life characters as real people. No other wrestler embodies that sentiment anymore to me than Eddie Guerrero.
As a dedicated fan, Eddie Guerrero has been a fixture in my weekly television routine. And from Mexico, to Texas, to Japan, ECW, WCW, and WWE, his consistency as a consummate performer was easy to see. I've seen him live a few times this year and was lucky enough to be in attendance at Madison Square Garden last year for that magical moment at the end of Wrestlemania 20. Underrated and overlooked throughout the majority of his career, Guerrero was still one of the only wrestlers that can make a great promo/entrance out of anything, make a great match with anyone, and make any storyline work. When most promoters gave him any shot, it was more because he was one of the best and he deserved it, and less because of politics or revenue. And how did he do it? By staying dedicated to doing what he loved to do and by staying true to himself. Beyond just his transcendent talent, his resilience and diligence he not only forced people to respect him and give him a chance, but he brought his culture along for the ride. He is the greatest wrestler of Hispanic Heritage ever not just because he was a great performer, but because he forced so many other people around the world to learn about and see his Heritage. And that's the legacy he leaves with me. That he proudly represented, spoke for, and succeeded for an entire race of people that were cheering him and brought some much needed culture to the world of wrestling. And knowing of how he also had to overcome his addictions to drug abuse that nearly cost him his career, family and life numerous times just to overcome it all, makes him that much more of an inspiration to so many other groups of people. That's why we laughed at his antics, cheered for his lying cheating and stealing, cheered "EDDIE EDDIE" no matter what he did, got so excited to see him as WWE Champion, and why his passing affects all this much. The fact that he is only the 2nd Latino Heavyweight Champion in WWE history and only 1 of 5 WWE superstars to ever be a tag team champion, European champion, Intercontinental champion, and WWE Champion is more than enough to ensure his rightful place as one of the all-time greatest performers the industry. But we are here because we know that he means so much more than that. Eddie Guerrero has a rightful place as one of the all-time greatest people to the industry, and to most of us. My deepest condolences go out to the Guerrero family and to all the people he loved and loved him. RIP Eduardo Gory Guerrero 1967-2005.
G.K. Williams
First of all, I say rest in peace EDDIE GUERRERO, you are the best man. I will not forget. You were a good friend of REY MISTERIO. I feel realy bad because I was his number one fan which cries for his death.
Sincerely, Jonathan Camino
Just wanted to add my bit too...
I never met Eddie. I was (& am) just a fan. I was a fan of Eddie in his WCW days & continued to be so when he moved back to WWE. To overcome the demons he did & go on to even greater heights... It's an inspiration the likes of which may never be seen again. Eddie loved the business & this was obvious every time he was in that ring. He entertained with his antics, his facial expressions & his plain enthusiasm. Some of his promos, when spoken with such passion from his heart, always had me in tears. There was always such raw emotion. This was a man who had been to the bottom & made his way back to the top.
Gracias por las memorias, Eddie. Le faltar�n. Resto en la paz, mi amigo
Rob Bailey
One of my favourite memories of Eddie is when he won the WWE Championship at No Way Out and when he did a Frog Splash onto JBL from the top of the steel cage.
R.I.P Eddie, I'll never forget you.
Josh Low
All that I can say is that I'm really saddened to hear about Eddie's passing.
The memory I will always have of him is when me and my mother met him for a show in Vancouver in 2004. It was 6 days before Eddie's match with Brock Lesnar at No Way Out. Like many of the fans, we loved Eddie. Eddie arrived and signed autographs for the fans. I had really wanted to meet him because to me, he was number one in my eyes. He signed my photo and I shook his hand. I told what an honour it was to meet him. He thanked and went on to greet my Mom. My Mom didn't like Brock Lesnar too much, so she rooted Eddie on his quest for the title. He went to my mom, she shook his hand. She said she wanted to say something to him. She leaned forward and she said. "I really hope you beat Brock. I don't think too much of him." Eddie smiled and said that is his plan. He went off to continue greeting the fans. Six days later at No Way Out, Eddie won the WWE Champion. My Mom said, He said he was going to and he did. That minute that me and my Mom had speaking to Eddie is going to be my most lasting memory of him.
Will DeConto
May his soul be blessed by our savour and his family watched over by our angels.
Ka kite e hoa i nga wa ka pouri to whanau i te kitenga a koe i nga tupuna me nga atua.
Ko koe nga tangata rangatira mo nga tangata katoa me he tangata tu meke. Kei te pirangi au i te kitea a koe naa ka haere atu koe ki tenei ao marama.
Heoi ano e hoa.
This is a sad time for your family to see you go, but yet a happy time for your ancestors and saviour to take you home. You are a man who was a respected leader for everyone. I wished I could have seen you at Wrestlemania 22 in Wellington, New Zealand but you went to the world of light instead. See you again my friend.
Wikitoria Haimona, Upper Hutt, Wellington, New Zealand
I was just surfing along the net, and checking news through "My Yahoo" when I saw that Eddie passed away. I can only say I hurried up and clicked on it, hoping that I was not seeing what I was seeing. Here I am thinking of his match I laughed my tail off on Friday Night Smackdown, and he's gone two days later. I can't believe that he's gone, it's still not sinking in right now... the only thing I keep thinking also is he's only a year older than me. It makes you think of how precious life is, and I will miss Guerrero big time, since he's one of my favorites of all-time. He put the fun into the show, giving the crowd a moment to not think of our problems we had before we came to see him, but to forget things for a moment and smile, putting on a great show everytime, and of course making sure you got what you paid for. To say Eddie was a good wrestler is a serious understatement, he was one in my mind, one of the most gifted athletes to ever put on a pair of tights. At 38, he seemed to only get better, not slower, staying in great shape, and shedding his demons for over four years. People will talk, talk that he may have been on something, but I believe that will not be the case, but that the Lord decided it was time for him to come home. I pray for his wife and children, as well as the rest of his family & the WWE organization. Eddie, you gave us a great part of your life, blessing us with just your performaces...we love you & miss you...it's time to rest Eddie....
I awoke this morning just like any other. I brushed my teeth, showered, had breakfast, got dressed and walked out the door to meet with some friends and family. It was around eleven PM when my brother called and shared the tragic news with me. I could not believe what he just finished telling me. "Eddie Guerrero was found dead this morning". I felt as if someone just punched me in the gut. Suddenlly an empty feeling like when you loose someone close to you came over me. Even now as I type this, there is a painful sensation in my heart and I never even met the man in person. How can someone I never met make me feel as if I just lost my best friend. Mr. Guerrero has brought laughter into my life more times than I can count. Every time he snuck a chair in the ring and threw it at his opponent and then pretended to be struck by it so that the referee could award him the winner by disqualification almost made me pee in my pants. "Latino Heat" had some rough times throughout his carreer. He almost lost it all to his addictions. But you have to admire a man who stands up each time he falls. He did not quit, no matter how hard it got. He found his strength through the Lord and overcame his demons and the Lord saw it fit to bring him home by His side. I pray for peace and strength for the Guerrero family. I for one will surely miss one of the greatest superstars to ever step into the ring. And I envy him. For he has obtained the greatest award mankind could ever achieve. Eternal life through our Lord and Savior, Jesus Christ. See you soon Eddie. My Hero. "Viva La Raza".
Your Fan, Miguel Cortes (AKA CFDLatinoHeat), NJ Firefighter
Hi, my name's Francesco from Venice Italy.
I will remember EDDIE for ever like the number one!!!
Without you, and I say this with all honestly, the WWE will just be an o.k. average somewhat boring wrestling promotion. On the mat, you were great. In the air, you were fabulous. During your speeches, you were the best. Let's see Hulk Hogan accomplish all 3 things with flying colors like you had done Eddie. Nobody worked harder than you, and I mean NOBODY! You are an inspiration to me, and to all of your fans around the globe. You will be missed, and the wrestling world has lost a true great.
*pounds chest near the heart 3 times*
I'll always remember Eddie as one of the best entertainers in all my years watching wrestling. Whether in the ring or setting up a storyline with the mic, he was always excellent. This is a truly sad day for all wrestling fans.
R.I.P. Latino Heat
Thom Dennis, Norristown, PA
I briefly met Eddie after a Smackdown show some years back before Chris and him really "made it big" with the WWE. Before they were utilized to their fullest. Both sat behind us at a local restaurant, and were more than respectful and kind to their fans. Instead of mobbing them for autographs, we ate our food and let them be. We were sure it had been a hard night. But when they got up to left, they were happy to shake our hands, and give us autographs. I still have mine, on a cheesy little napkin. I will have to get it framed, a keepsake of a great wrestler, and two people who shared a great friendship, Chris and Eddie. I haven't watched wrestling in some time, having fallen out with it through lack of time to watch. But I'll never forget enjoying his matches, and the humble airs about him.
-A fan from times past.
I am really saddened by his death. Eddie was a great wrestler, when I read about his death I was like wtf, at first it didn't register but then various newssites confirmed it and I was saddened by it. Eddie was the reason I watched Smackdown, during his feud with Rey mysterio the emotions he brought to his face was way stronger than a promo. A sad sad day indeed, 13th November is indeed a sad day. My condolences go out to his wife and three daughters.
-frankhardy450 from Bombay,India
In a time when pro-wrestling is savaged by lack of true wrestling talent and over-run by over-sized meat-heads, Eddie Guerrero was one of the last of a dying breed. He was a true performer and was a great wrestler. Everytime he would hit his patented suplex, the fans acknowledged his technical ability. Eddie is more of a loss to the WWE than people think. He can make anyone look good or bad on any given day. Love or hate his in ring persona, Eddie was a genuine brilliant guy. We will all miss you Eddie, but I'm sure the true pain comes to your family. I feel really sorry that they have to experience this great loss first-hand. I'm sure you are in God's hands now.
John, Ireland
How fitting it is that he won his last match being adored by all those who truly appreciate the man for all that he was...an amazing entertainer. I am so happy that I got to see him come down in the low rider and showcase an excellent match with a very mediocre wrestler. To me that's what made him amazing, he made anyone that went in the squared circle with him look better. After Owen Hart's death, this feels like another untimely death. And that's just an understatement. You will be sorely missed papi.
-Grieving in Vancouver-
I know that I share the same shock and sadness that thousands(if not millions) of others are feeling on this day.
I had clicked on Slam Omaha to do my routine updating as I do from time to time to check on new possible angles and/or injuries when I saw the headline that Eddie had died. Needless to say, when it comes to the shock I felt, only Owen Hart's death hit me anywhere close to as hard.
While Owen's was in the ring, and his out of the ring, that is no matter. Eddie was truly one of the great ones, and not just in the ring but out of it. Unlike many others responses that I read, I never had the pleasure of meeting him, but he is and will always be the type of man I model myself after. Loyal, caring, hardworking...who cannot wish to ever strive to become that?
My words cannot nor will not EVER be able to describe the man that he was. He gave everything 100 percent. We as fans could connect to him because we saw him as one of us. We saw him, with his troubles that he talked openly about as just like each and every one of us, no bigger than anyone and a true human being in every sense of the word. He was flawed, as are all of us, and for that, he had the love and admiration(even if from afar) of fans that never had the chance to tell him so.
Eddie, I know you probably cannot see what we, your fans can say right now, but just know this...we will always admire you for who you were and that you were never anything but YOU. You were an original. I don't care what anyone ever says or does, you will NEVER be replaced. If you are looking down at us from Heaven right now, know that even though we are shedding tears at your passing, we are also smiling brightly at the joy you gave us in your 20 years in the business.
Rest In Peace Eddie, and may you forever be remembered in the hearts and minds of EVERYONE that you ever came into contact with. I know you will never be forgotten....
Nick Randolph, Ames, IA
A legend in the making, Eddie resembled his Home Town, El Paso. Hard working and after things seemed to be thrown off track he would always find a way to steer in the right direction. Did the man have demons? Yes. Was the man one who never made mistakes? Of course not, who is. And maybe that is why many of us not only became fans but related to his persona. Bottom line, he was a success and a hard working wrestler. A direct reflection of what El Paso and its people are. Eddie will be missed, the mark he left will be a defined one, one of success and perseverance. Viva La Raza! Long Live Latino Heat.
jaime sanchez
My biggest memory was when he came out with the RAW Tour a couple of years ago and I touched his hand at the entrance way and he was just so happy and smiling so much and just loving being here in Australia. Eddie we love you. May God treat you like you treated your fans. Much love from all your millions of fans. We will miss you so very much
Graeme Bowen
Our Eddie Guerrero biography
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WWE No Way Out 2004 DVD
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WHAT'S HOT - DVDs
Diva Diaries with LuFisto
Developmentally Speaking with Brian Myers
YouShoot - Alberto El Patron
Golden Age of Quebec Wrestling Vol. 3
Rey Mysterio Autographed Mask
TNA Impact Replica World Title Belt
Hardy Boys 18x24 Autographed Print


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Fenway Park public address announcer Carl Beane has died in a car crash, reports NECN.
The vehicle belonging to Beane was involved in an accident in Sturbridge, Mass.
The Suzuki SUV, which has Beane's name on the rear tire cover, was involved in an accident on Holland Drive in Sturbridge at about 12:45 on Wednesday afternoon. According to the report, the car slammed into a stand of trees and stone wall about 25 yards from the road.
Beane was 59 years old. He had served as the public address announcer for the Boston Red Sox since 2003.
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text:
1989 Chevrolet S10 **Tahoe Pkg**4.3 V-6**PW,PDL,tilt,Cruise,A/C,Digital Dash,99k
Price: - Item location: Brookhaven, Mississippi, United States
- Make: Chevrolet
- Model: S-10
- SubModel: S10 TAHOE
- Trim: TAHOE
- Year: 1989
- Mileage: 99,385
- Color: Black/Gold
- Engine size: 4.3 L
- Number of cylinders: 6
- Power options: Air Conditioning, Cruise Control, Power Locks, Power Windows
- Fuel: Gasoline
- Transmission: Automatic
- Drive type: RWD
- Interior color: Brown
- Options: CD Player
- Vehicle Title: Clear Want to buy? Contact seller!
1989 Chevrolet S-10 TAHOEStep back in time to 1989. A Coke and candy bar were only $1.00. Back when this truck was Top-of-the-Line in the Chevrolet S10. A TAHOE package on a S10 was hard to find on a lot and by far the most expensive.
Here is a nice one that has been cared for and restored to its' glory days. This truck is near mint condition. Here is a list of the factory options as well as some personalized items on this Rust-Free truck:
- All new A/C components and works perfect
- Newer paint is near flawless black/tan-The tan is a little darker than factory
- Newly recovered seat
- Factory aluminum wheels from a 1995 model with Newer RWL tires
- bedliner
- Chrome 2" round bed rails
- Aluminum tool box
- 4.3 L TBI engine
- Automatic transmission
- Factory Digital Dash
- tilt & cruise
- Power windows and door locks
- Only 99,385 miles
- 3-owner Mississippi owned with clear title
Feel free to call Scotty @ 601-754-1794 with questions.
These trucks are ectremeley " Hard to Find " in this model and equipment combination. The owner of this truck is highly motivated to sell it and it will never be any cheaper. Call today before it is SOLD.


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Purchasing property through your Superannuation is now achievable through the creation of a Self Managed Super Fund (SMSF). An MRD Property Mentor will guide you through the process of:
- Creating a self managed super fund
- Ensuring the SMSF is structured correctly for property
- Rolling over your Super into your SMSF
- Locating the best Super property investments
- Ensuring that the above meets ATO regulations and rulings.
It's important to note that you don't have to have sufficient funds in your Superannuation fund to buy an investment property outright. It's now possible for your SMSF to borrow the funds for property investment. This must be structured in accordance with the ATO's requirements.
You should talk to an MRD Property Mentor about the correct way to structure your SMSF before you do anything else. The MRD Property Mentor will ensure that you maximise the complete retirement benefits allowed.
If you fall for any of the 5 points below then your retirement plans will suffer.
Superannuation in Australia is extremely complex and hard to understand.
Fact: It takes 2,500 pages of legislation and another 1,000 pages of ATO rulings to explain Superannuation!
It is no wonder that many of us look for a more simplistic way of understanding our Superannuation. The risk is that this over-simplification has given rise to misunderstanding and in some cases a firm belief in incorrect information that undermines and can potentially destroy many retirement dreams.
Here are 5 samples of incorrect (complicated) information that needs to be dispelled (Please drop down each + to read more detail).
The 9% Superannuation guarantee contributions will provide you with a comfortable retirement
When Paul Keating introduced compulsory Superannuation it was designed to replace the government pension, not to provide you with a better retirement lifestyle. In order for the Superannuation guarantee contributions to achieve this certain criteria had to be met. Firstly, the low starting contribution would need to grow to 12%. Later changes to legislation stopped the increases from the initial 3% contributions at 9%. So, as you can see, this criteria has not been met.
It was calculated at the time that if you worked from age 21 to age 65, never had any periods of unemployment, got 12% contributions (made by your employer) for that whole period, and investment returns remained at the high average levels experienced in the mid 1980's you would retire on a private pension that would replace the old age pension. Are you following this criteria? If not, then you need to contact MRD and reassess your Superannuation now.
Managed super funds provide the best investment
This "economies of scale" theory is one of the most damaging myths for Australian retirees. Fund managers would have you believe that big is better because they can "spread the risk" and "diversify investments". The stark reality is that managed funds are now so large that all they can do is reflect the performance of stock markets. It is not possible for a managed super fund to withdraw from the stock market when falls are expected because they are so large that no-one can buy all of their shares in a short or medium term. All these fund managers can do is ride the markets up and down.
Low fees are the key to better returns
Low fees are indeed the key to better returns if you are comparing returns of large managed funds. Investment returns of managed funds before fees will be similar for the reasons as explained above. Note: One such fund manager has been incredibly successful in growing membership by spending hundreds of thousands of dollars promoting this 'untruth' in media advertising.
The problem with 'low fees are the key to better returns' is that it completely discounts the investment options available to a SMSF that don't exist for managed funds. You can leave your super in a managed fund by all means but if you want a better than mediocre return you need to look to alternatives to managed investments.
I need to fund for the average life expectancy
Statistics show us that the average life expectancy of a male in Australia is 81 years (rounded off). What that statistic hides is the fact that if you are old enough to have superannuation then your life expectancy is already above average because you have not succumbed to any childhood mortality risks. As you get older, the higher your life expectancy becomes. If you are a 65 year old male your life expectancy is now closer to 86 years. To compound this problem, the life expectancy of an Australian Male has increased by 2.5 years in the last 10 years because of medical advances.
If you want a worry free retirement you need to have good plan in place. Let MRD show you how!
You need $200,000 in super to start a SMSF
This incorrect information is based on the same flawed logic as the Low Fees information above. Yes, if you plan on making the same investments that have failed the managed funds you would need to have $200,000 in super to have a lower fee structure in your SMSF than a managed fund. But the main point of having a SMSF is to take advantage of the ability to choose other investments such as a property that will outperform managed funds, not to get lower fees.
A SMSF can borrow to leverage property investments so that returns can be expected to be significantly better than managed funds. If you have a super fund then you should talk to an MRD Property Mentor about the potential benefits of using your super to invest in property.
*Your Super Fund owns the property directly.
For More Information on Self Managed Super Funds, please contact MRD Partners today
Disclaimer: This information has been prepared to provide you with general information only. It is not intended to take the place of professional advice and you should not take action on specific issues in reliance on this information. In preparing this information, MRD did not take into account the investment objectives, financial situation or particular needs of any particular person. Before making an investment decision, you need to consider (with or without the assistance of an adviser) whether this information is appropriate to your needs, objectives and circumstances.
About Self Managed Superannuation Funds (SMSF)