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The diversification of the state's two enormous public pension funds into private equity is transforming Indiana's venture capital sector.
And their $155 million Indiana Investment Fund is the largest factor in the equation.
If it's successful, the Indiana Public Employees' Retirement Fund and the Indiana State Teachers' Retirement Fund will save Hoosiers untold millions of dollars and help launch a host of new high-tech companies. If it's not, taxpayers will one day have to foot the bill.
Indiana State Budget Director Chuck Schalliol spearheaded the effort to unleash PERF and TRF into local private equity. Formerly head of Eli Lilly and Co.'s Venture Capital Division, Schalliol was a key architect of BioCrossroads' $73 million Indiana Future Fund and its $6 million counterpart, the Indiana Seed Fund.
As a PERF and TRF board member, Schalliol applied Gov. Mitch Daniels' "Buy Indiana" philosophy and pushed both pensions to consider alternative investments in Hoosier companies.
The result: Last June, PERF put $100 million into the new Indiana Investment Fund. In March, TRF followed suit, investing another $50 million. Global investment bank Credit Suisse won a competitive RFP process to become the Indiana Investment Fund's manager. It kicked in the $5 million remainder.
Exclusively Indiana
Indiana Investment Fund instantly became the biggest player focused exclusively on Hoosier opportunities. Although Lilly Ventures and CID Capital have more assets under management, both firms regularly look beyond Indiana's borders.
Schalliol expects Indiana Investment Fund to draw many more venture capitalists to the crossroads of America.
"I think these [efforts] are self-feeding. Creating these kinds of funds will attract more firms to locate and grow here. As that happens, the need for venture money increases," said Indiana State Budget Director Chuck Schalliol. "The more successful we are, the more venture opportunity we have and the more investments we see. It creates a 'virtuous cycle.'"
Since BioCrossroads' Indiana Future Fund already covers the life sciences sector, Indiana Investment Fund aims to speculate more broadly on just about everything else Hoosiers do well. With an investment range from $1 million to $15 million, it will consider deals in manufacturing, logistics, IT, agriculture and alternative energy. Credit Suisse plans, in part, to use the same "fund-of-funds" strategy as the Indiana Future Fund. It will select a series of venture capital firms to handle $90 million in Indiana Investment Fund money, but it will deploy the other $65 million directly into promising Hoosier firms.
Indiana Investment Fund hasn't yet announced any deals. Its management ultimately rests in New York, where its managing director, Mike Arpey, leads Credit Suisse's Customized Funds Investment Group. Last July, Arpey hired Curt Rossman, a Lilly Ventures veteran like Schalliol, to run the fund's Indiana office.
Rossman said Credit Suisse has now selected "some" of the venture capitalists who will manage the $90 million, but he declined to say who they are or how much they got. Even though Indiana Investment Fund is composed almost entirely of public pension money, Rossman said Credit Suisse doesn't have to divulge its activities-and may never share much detail.
"Each time we get into a situation where we evaluate investments, we always sign confidentiality agreements. Therefore, we don't disclose the identity of our investments," Rossman said. "This program is going to make more money available to Hoosier businesses. It's money that wasn't there before. But we will stand by our confidentiality agreements. That's for certain."
To generate potential deals for the Indiana Investment Fund, Credit Suisse has staged a series of "road shows" for entrepreneurs, corporate executives and private equity attorneys. Indianapolis hosted the first on Nov. 1 and Fort Wayne held the second on Dec. 6. Evansville saw the third and most recent on Jan. 30.
Rossman said Indiana Investment Fund regularly meets with other people around Indiana to create investment opportunities.
"We've seen quality deal flow from the beginning. The reason is the relationships of our broader outreach efforts, as well as the Credit Suisse network," he said. "We believe that the private equity market in Indiana is underserved, and we think this fund will help fill that need."
Enormous potential
Schalliol pointed out the enormous upside if Indiana Investment Fund should do well-first and foremost in terms of its direct financial returns to PERF and TRF. Although $155 million is a great deal of money, it's a tiny fraction of the $24 billion in assets the two pensions collectively hold. That money is spread across a portfolio that represents the entire market of bonds and public stocks, as well as other kinds of alternative private equity investments, such as real estate and M&A funds.
To outperform the public markets, Schalliol said, it's important for the pensions to take advantage of the prudent investor theory and put some money to work in venture capital-and a subset of that into local venture capital. He said venture capital investments to date have netted TRF 24-percent compound returns. PERF hasn't been making them as long, so it hasn't seen as many "exit events."
"When you are able to go to markets that are inefficient, smart investors are able to make above-average returns, Schalliol said. "If you're just investing in the stock market, you'll get the returns the stock market does and everybody else gets."
When PERF and TRF do well, it's an enormous boost for the state, because taxpayers are on the hook otherwise for pay- ments to pensioners. When the two funds grow in value, state government can subsidize different priorities instead.
But there are no guarantees. John Taylor, vice president of research for the Arlington, Va.-based National Venture Capital Association, said few states have established vehicles like the Indiana Investment Fund. So few, in fact, that NVCA doesn't track them.
But Taylor warned there are risks to a strategy that prioritizes Indiana over the rest of the world. That's because venture capital success, by definition, is easier said than done.
"It's very, very difficult for even the best funds to return money, even without constraints," Taylor said. "Put constraints on it, and it becomes increasingly difficult to make those returns."
"There's nothing wrong with economic development. And there's nothing wrong with pure fiduciary investment," he added. "But anytime you take a hybrid model, by definition, you're suboptimizing. It's very, very difficult to balance two objectives. You can do one or you can do the other; $155 million is a lot to deploy."
BioCrossroads CEO David Johnson has heard those warnings before. Industry experts said the same thing about the $73 million Indiana Future Fund for the life sciences. But he said economic development can be market-driven.
"We were trying to square the circle with this," he said. "One of the things people have a very hard time truly comprehending is, these funds can be put together as private and fiduciary investment vehicles."
Indiana's success has spurred interest from other states. Johnson said he now regularly fields calls from officials in other states who want to duplicate the Indiana Future Fund and the Indiana Investment Fund. Their activities are also starting to draw attention on Wall Street, where people are always looking for new investment opportunities with a large upside.
Now they're starting to scout Indiana for deals.
"The fact that we have a real fund that is return-driven and has a manager of the name and caliber of Credit Suisse is the most attractive thing about the Indiana Future Fund," Johnson said. "It's serious money, and it's being managed by a serious player in the field. What that tells people is, if Credit Suisse is interested, there must be something there."
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Missouri picked up a commitment Thursday from one of the top 2017 football prospects in Illinois, Lemont High tight end Logan Christopherson.
Christopherson announced his decision in a Twitter post.
"I can't explain how blessed and grateful I am to have this opportunity to live out my childhood dream to play college football," he wrote.
Later Christopherson added that he believes "the best school to develop me as an athlete, student and man is the University of Missouri."
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June 2, 2016
Christopherson, a Rivals three-star recruit ranked No. 19 in Illinois, becomes the fourth known commitment in the Tigers' 2017 recruiting class.
He joins Hogan Prep's DaRon Davis and a pair of offensive linemen, Hyrin White from DeSoto (Texas) High and Pompey Coleman from Ben Davis High in Indianapolis.
Scout and 247 Sports also give Christopherson — a 6-foot-6, 225-pound target recruited by Tigers tight ends coach Joe Jon Finley — three stars.
According to Rivals, Christopherson also had offers from Kansas, Illinois, Iowa State, Syracuse and a host of mid-major programs, as well as interest from numerous other Power Five programs.
Christopherson is the No. 30 tight end in the 2017 recruiting class and the No. 15 overall player in Illinois (No. 755 nationally) and recently took unofficial visits to Iowa and Wisconsin, according to 247 Sports.
Christopherson, who also is listed as a defensive end for his high school team, shows good instincts on his routes, lining up on the line and in the slot and occasionally in the backfield as a blocker.
His athleticism made him a weapon as a downfield blocker, and his willingness made him effective in that role as well as at the point of attack.
Lemont, Ill., is a suburb of Chicago, where members of Mizzou's coaching staff will participate in camps Wednesday at Lake Park (Ill.) High and North Central College in Naperville, Ill.
Missouri loses two players for 2016
Missouri will be without two members of the 2016 recruiting class, Nate Strong and Harry Ballard III, who will spend the fall semester at junior college instead, according to multiple reports.
Strong, a freshman running back at Hinds Community College and East St. Louis (Ill.) graduate, will need more time to complete his schoolwork and won't join the Tigers until January at the earliest.
Strong — a 6-foot, 209-pound prospect — originally committed to Missouri in the 2015 high school class and signed as a junior-college transfer in February. He was expected to bolster a running game that averaged only 115.4 yards per game last season, 120th among 128 Football Bowl Subdivision teams.
The Tigers' current roster includes junior Ish Witter, who totaled 126 carries for 518 yards with a touchdown last season, and four running backs with no game experience: Lee's Summit West graduate Ryan Williams, Winnetonka graduate Marquise Doherty, sophomore Trevon Walters and junior walk-on Shaun Conway.
Mizzou added Little Rock (Ark.) Christian running back Damarea Crockett in the 2016 recruiting class and also picked up a graduate-student transfer in former Oklahoma running back Alex Ross.
Ballard, a McCluer North graduate from suburban St. Louis, was a late addition to the Tigers' 2016 class. He was officially announced as a signee on the final day of the recruiting period on April 1, but will not qualify academically and won't enroll at Mizzou for now.
Tod Palmer: 816-234-4389, @todpalmer

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Product Description
North American Arms Mini Revolver- .22 Mag, Stainless Steel, 5-Round Capacity, 1 5/8 Inch Ported Barrel- North American Arms NAA-22M-P
Quick Overview
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The NAA .22 mag revolver is the most popular Mini-Revolver ever produced. With the many current accessories, it is versatile for many applications and is the standard by which other Mini-Revolvers are judged.
As with every NAA Mini-Revolver, the hammer need not rest on an empty chamber. Using the original half-way notch cylinder, the hammer may rest safely and securely without chance of accidental discharge.


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One Sunday on my mission I was speaking with a wonderful guy who had just joined our Church. It was the first week after his baptism, and he was still getting used to everything. He asked me where to attend Sunday School.
I responded, "You will probably want to continue attending Gospel Principles." When he asked what that was, I clarified, "It's the class you've been going to the past few weeks-- it's the intro class for new members and people investigating the Church."
His eyes widened, and in a hushed voice, he whispered, "Whoa, whoa, what do you mean? Who would want to investigate the Church? Is there some sort of legal problem?" I quickly explained that an investigator is simply someone who isn't a member, but is learning about the Church, just as he himself was only a few days earlier-- not a federal official auditing the Sunday School.
If you haven't noticed yet, we're a peculiar people. This is part of the reason that people have no idea who we are and what we believe-- they generally dislike us as being clique-ish, prideful, and exclusionary. Let's face it: accepting the Church brings with it the awesome task of accepting not just new Scriptures, beliefs, friends, and responsibilities (as if that weren't enough), but also a brand-new vocabulary.
Imagine that you are a visitor to a Sacrament meeting, and you hear this announcement come from the pulpit: "Due to next week's Ward Conference, BYC will be postponed until 6:00. PEC will be switched with Ward Council so that the Stake Presidency can meet in the Relief Society room with the auxiliary and quorum leaders before the first hour in the block."
At this point, I, as a first-time visitor, would be wondering:
Is there even going to be a Church meeting next week? If so, is this "steak president" expecting me to bring my own Ribeye, or will that "relief" group provide one? I'm a little too low on cash to be buying steaks this week.Unfortunately, it's not just the organizations and the acronyms-- it's the doctrines themselves. Often for a given Gospel word, there's not even a definition in the dictionary that closely resembles the meaning that we attach to it. I love assisting our missionaries in teaching, but I do cringe a little inside when I hear them slam their new "investigator" with a sentence like, "I know that in our Church, the Gospel of Jesus Christ has been restored through a modern prophet." Here's what thought process there might be:
Restore: To give something a new paint job
Gospel: Book in the Bible, like Matthew, Mark, Luke, and John
Profit: Money
So, that missionary's heartfelt testimony may be lost in translation, and come across as meaning, "In our church, we've given part of the Bible a paint job (through money?)" Is it any wonder then, that our beliefs are misunderstood? Fortunately we're in good company-- even Apostles struggle with this:
Recently I received a letter from a friend of over 50 years who is not a member of our church. I had sent him some gospel-related reading, to which he responded: "Initially it was hard for me to follow the meaning of typical Mormon jargon, such as agency. Possibly a short vocabulary page would be helpful."We have a duty and obligation to be careful to teach those truths that we hold sacred in such a way that those we are teaching can understand them on their own terms. There must be no mistake about who we follow and what we believe. God makes that pretty clear:
I was surprised he did not understand what we mean by the word agency. I went to an online dictionary. Of the 10 definitions and usages of the word agency, none expressed the idea of making choices to act.
-- Robert D. Hales, Oct 2010
"For it shall come to pass in that day, that every man shall hear the fulness of the gospel in his own tongue, and in his own language" (D&C 90:11).Maybe I'm straining at gnats. Maybe I'm picking at motes. But I do think we need to work on this as a church. Maybe I'll bring it up to discuss at the next fireside. Speaking of which, I need to go buy some roasting sticks and marshmallows.
"I proceed with mine own prophecy, according to my plainness; in the which I know that no man can err" (2 Ne. 25:7).
"And now, my brethren, I would that ye should hear me, for I speak in the energy of my soul; for behold, I have spoken unto you plainly that ye cannot err" (Alma 5:43).
"And they are made known unto us in plain terms, that we may understand, that we cannot err" (Alma 13:23).
"For behold, the Lord doth grant unto all nations, of their own nation and tongue, to teach his word, yea, in wisdom" (Alma 29:8).


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Hi Lovelies!
I'm back to beauty blogging (hoorah) at long last! I've found myself feeling pretty uninspired of late, and then I looked at a huge pile of beauty products I'd been storing up with the intention of blogging, but the time had been and gone.This has led me to a new 'series' (if you will) of posts. I've got a lot of posts lined up, each reviewing an individual product. I know that when I'm looking into new products, I want to find quick, easy and honest reviews- I'm not interested in face of the days post or anything like that, I just want to know that the product is like.
All products will be compiled on an easy to find 'product review' list to make browsing a little easier.
I hope this is of some use to people, I've really enjoyed getting to know my new camera whilst taking a few snaps of products. I'm aiming to have these posts more photo heavy than text based, but as this a 'new' thing I'm trying; let me know if I'm missing out any useful details!
The bulk of the review will be a rating system, but if I have a little something extra to say, of course it will go in there!
The first one will be posted tonight, and I'll *try* and post about 2 a week.Let me know what you think of this new idea!


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This article was originally posted at '9 Years of All Japan Grand Champions' in 2014, and updated in 2015 and 2016 with the 10th and 11th Grand Champions. This update adds the 2017 Grand Champion.
In just 3 weeks time another new Grand Champion will also be crowned.
If you are thinking of visiting be sure to check out my guide here – http://nishikigoi.life/2016/11/21/visiting-2017-japan-koi-show/
Below you will find my personal ranking of the last 12 All Japan Grand Champion Koi, Koi which I've been fortunate enough to see in the flesh on the days they were awarded the title. What are your personal favourites?
Number 1
To see this particular Koi at the 2013 was initially a surprise.
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A worthy winner at the 2011 All Japan Koi Show however having previously won the Rinyukai All Japan Show in 2009.
At the 2011 ZNA All Japan Show in November, at 97cm, she completed the 'triple crown' of titles but, in the daylight of the outdoor show to many was looking a little tired.
Measuring 98cm in length and 9 years old, she simply blew most people away.
Having been spawned by Sakai Fish Farm in 2010 she had blossomed again.
The presence she exercised in the vat, the amazing consistency of the flawless beni, the overall quality, make this the best Koi I have ever seen.
Number 2
I fell in love with this Koi at first sight at my first All Japan Koi Show in 2006 where she was awarded the Jumbo Champion prize.
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There was one thing struck me about her that I particularly recall, her youthfulness compared to many of the other large Koi at the show.
I recall arriving on the wednesday, the day before benching, in 2007 and seeing her picture on the side of a show pool.
I couldn't wait to see her the following day and, without doubt, as soon as I did I was sure that I was looking at the next All Japan Grand Champion.
The friday was my first day as official 'press' at the All Japan Koi Show and I will certainly never forget being stood next to Futoshi Mano then moment that Sakura was crowned Grand Champion, in January 2008 Futoshi had no idea who this white photographer stood next to him was.
Sakura's place in Dainichi Koi Farm history is now legendary, and still she remains my favourite ever Koi.
Number 3
My first encounter with this particular Koi was in 2015 at the All Japan Koi Show when she was awarded 2nd place. It was another Koi which I fell in love with as soon as I saw her.
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In the November before that she had already won the 2014 Rinyukai All Japan Grand Champion.
Whilst I wasn't surprised she didn't take the GC title in 2015, I was pretty sure that we would see her again. The pattern, body shape and overall quality were quite beautiful to my eyes.
Between February 2015 and February 2016 she grew significantly, putting on 7-8cm in length and significant girth as well.
She was the first entry to be released into a show pool on the benching morning, Thursday of the show weekend, and no other Koi would arrive to beat her, although there was stiff competition in the form of the 2015 Rinyukai Grand Champion, and a 103cm Momotaro Showa.
It took 2 rounds of voting but the Dainichi Kohaku finally won by 48 votes to 43 from the Sakai Kohaku that was reigning Rinyukai Champion.
Number 4
In 2010 the All Japan Show moved to Niigata City form Tokyo Ryutsu Center for 1 year.
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As has been the norm I was at the show from the start of set up through to the close.
I recall on Thursday morning Narita Koi Farm being pretty much the first people to arrive at the show with their Koi.
Of course there is always anticipation when the 'big guns' arrive to see what they've brought, whether they are known Koi or not.
One Koi that was a bit of a surprise was this Kohaku. She was runner up in 2009 however in the winner's show pool her condition didn't look good, her head appeared to swell and her eyes protruding.
Not only had she returned to the show, her quality was superb and she had grown approximately 9cm to 99cm.
This is the only Koi I've witnessed take the Grand Champion prize in the very first ballot, taking 45 of 85 votes.
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She would go on to pass the 1m mark and win GC at the ZNA All Japan Show too.
Number 5
This Kohaku, bred by Sakai Fish Farm and raised at Narita Koi Farm first appeared at the 2013 All Japan Koi Show where it was awarded the 80bu Kokugyo Prize. In 2014 she was my choice for Grand Champion, losing out as runner up to Lion Queen. I wasn't surprised to see her in 2015, bigger, and better than in 2014 and she was finally awarded the Grand Champion prize.
This Koi had excellent quality throughout and it was great to see her development and progress over several years from 80bu Kokugyo winner to 94cm GC, a prize she 100% deserved on the day.
Her path to GC was similar to that of the 2008 Champion, but in terms of overall quality I don't think the 2008 champion would have beaten the 2015 champion side by side.
Number 6
2017 promised a great battle for the Grand Champion prize. Narita Koi Farm brought a Sakai bred Kohaku that had been runner up in 2016, as well as the Rinyukai Grand Champion in 2015. Sakai themselves brought the reigning ZNA Grand Champion which measured 97cm, a Koi which was 90bu Kokugyo winner the year before, along with several other challengers including the 2016 Rinyukai Champion. Dainichi brought the Kohaku which had won pretty much everything since winning the Niigata Nogyosai back in 2012.
The 2 standout Koi were the Narita handled Koi and Sakai's ZNA Grand Champion. Sadly the Koi world was robbed of a head to head between the 2 Koi when shortly after benching the Narita Koi was withdrawn as it had a bad turn in the show pool.
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A very impressive Koi, and on the day a very worthy Grand Champion.
Number 7
Alexandria was a Koi that I first saw at my first All Japan Koi Show in 2006 where she took the 80bu Kokugyo Prize.
The following year, 2007, she stepped up a size level and won the 85bu Kokugyo award.Finally in 2008 she made the step up to winning the Grand Champion prize.
As with Sakura, this Koi stood out for its amazing youthful looks.
Some people questioned the Koi for having a slightly small pointed head but from a personal perspective it didn't trouble me.
The amazing skin on the Koi won through for me, and it was great to see her progress through the ranks over the course of 3 years.
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Number 8
I first saw this Showa in 2010 when the All Japan Koi Show was held in Niigata.
I vividly recall her being released into a show pool and that evening described her as 'simply awesome'.
Whilst not a major winner at that show I had earmarked this Koi as a potential Grand Champion, predicting that being in 2013.
In 2011 the Koi returned to the All Japan Koi Show and took the Superior Champion and Best in Variety awards, being in 80bu size class.
During 2011 various online discussions including Ryuki Narita indicated that he hoped that she may in fact be able to win the title in 2012, despite being a relatively small 84cm in size.
Ryuki was proven correct, she did indeed take the Grand Champion title in 2012, beating significantly larger opposition.
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The quality of the Koi was sublime, the skin, pigmentation (red and black) and pattern. The only negative the fact that as she swam there appeared to be a slight un-uniformity in her body line, indeed the above factors blinded many visitors to that fact.
That final point prevents this Koi being my 3rd or 4th ranked GC.
Number 9
People may find it strange that a Koi that I rank as number 1 above when it won in 2013 ranks as only 6th overall when it won the prize in 2011.
In 2011 this Koi didn't give me the same feeling, or excite me perhaps, quite so much as the other Koi that I've detailed above.
It certainly didn't excite me as much as in 2013!
Number 10
I am sure many will be a lttle surprised to find Lion Queen only at 7 in my ranking.
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In 2013, at 92cm, I saw her for the first time at the All Japan Show when she was runner up to 'M-Legend'. She was 92cm in length and just 5 years old. She had some excellent quality to boot, the skin and beni quality were excellent. However, she didn't excite me so much, she was a Showa, and Showa meant sumi, and I didn't really rate her sumi quality. Large amounts sitting on the red ground and very broken.
On the run up to the show she was reportedly 98cm and with 'improved sumi'.
On the day she was in fact 99cm, the sumi had indeed changed on the head, the body sumi was much the same, but the was a clear non-symmetry to the body line.
She wasn't my choice on the day for Grand Champion, and has never given me the buzz that she gives other people, and that other champions have given me, primarily I think for one reason, the sumi.
Number 11
Yamato, the first All Japan Grand Champion that I witnessed in 2006.
The first time I saw her I was in fact looking for the 'maruten' owned by Mark Crampton and Martin Plows, and I had visited the show specifically to cover her 'victory'.
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I remember looking into a show pool and seeing 'Yamato', an otherwise unkown Koi to me, and being struck by her impossing appearance, both in terms of pattern and body shape and style. She was lean and muscular, more streamlined than other jumbo Koi that were there.
It was only the following day after judging that I learned she belonged to Mark and Martin as well.
Maybe Yamato didn't have the time to make an impression on me that other Koi have since, maybe being placed 8 makes her a victim of time, maybe the level of Koi has improved significantly in 9 years.
Number 12
I first saw this Koi the previous year when it was suggested as a contender. On that occasion her sumi was very unfinished. Whilst she figured in the early rounds of voting she was soon dropped.
In 2009 she returned as a very different Koi, her sumi complete.
A very nice Koi but the only point through the Grand Champion voting when she won a vote was the final ballot when she was head to head with the 2010 Grand Champion pictured above and won the title by 44 votes to 41.


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Sylvania LC321SSX LCD HDTV Review
The Sylvania LC321SSX is an inexpensive TV, so you should expect some compromises.
Value Comparison
The Vizio VW32L is also a 32-inch, 720p LCD with a low price tag. In itself, the TV is uglier, but it's what on the screen that counts, and the Vizio outperforms the Sylvania in most tests. We dislike the meager two HDMI ports on the Vizio, but overall, it's a better buy.
Blacks & Whites
The Sylvania LC321SSX has a much better contrast ratio than the Vizio VW32L, due mainly to the black levels, which were much deeper on the Sylvania.
Color Accuracy
The Vizio VW32L produced a much better color temperature consistency than the Sylvania LC321SSX (it's hard to do worse, in truth). But the RGB curves were closer in score, indicating that the TVs were equally adept at smoothing out color gradations.
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The Sylvania LC321SSX showed terrible problems with motion performance, and the Vizio VW32L far exceeds it. Its just a better processor inside, and the results are clear.
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Viewing Effects
The Sylvania LC321SSX and the Vizio VW32L have similar viewing angles of about 48-50 degrees in total (24-25 degrees on each side from center), which is about standard for an LCD television.
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The Sylvania LC321SSX has the bonus of one more HDMI port than the Vizio, but the Vizio includes a VGA port for computer connections. To do the same on the Sylvania, you need a VGA-to-HDMI adapter, then an 1/8th-inch-to-RCA for the audio. Both TVs are pretty light on bonus ports like USB and media card slots.
- Introduction
- Tour & Design
- Blacks & Whites
- Color Accuracy
- Motion
- Viewing Effects
- Calibration
- Remote Control
- Connectivity
- Audio & Menus
- Multimedia & Internet
- Power Consumption
- VIZIO VW32L Comparison
- Samsung LN32B460 Comparison
- LG 32LG70 Comparison
- Conclusion
- Series Comparison
- Photo Gallery
- Ratings & Specs
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text:
Throughout The Car Industry
Search Results For viper
Thu, Oct 6, 2016 at 11:01AM by Lou Ruggieri
Throughout the annals of automotive history there have been few cars that last more than a few model cycles.... Read More
Wed, Sep 21, 2016 at 3:43PM by Lou Ruggieri
Before the automotive world took a giant downturn in 2002 by watching one of its longest tenured power-players... Read More
Tue, Sep 20, 2016 at 9:05AM by Lou Ruggieri
If we are being honest with ourselves, America, we haven't been very good at producing many sedans worth... Read More
Tue, Aug 16, 2016 at 12:33PM by Andrew W Davis
The Touareg: the VW Group midsize SUV for those too poor to afford an Audi Q7 or Porsche Cayenne. Or that's... Read More
Wed, Jul 6, 2016 at 1:08PM by Lou Ruggieri
In the hundred-plus years that cars have been around, there has been a divergence of the car philosophy.... Read More
Fri, Jun 24, 2016 at 10:30AM by Lou Ruggieri
In terms of iconic cars, there are a few American cars that showed up, stole our hearts, and then rode off... Read More
Fri, Jun 3, 2016 at 3:01PM by Lou Ruggieri
So that's it. You created the biggest, baddest, meanest, most brutalizing road-going supercar of all... Read More
Wed, May 25, 2016 at 10:24AM by Lou Ruggieri
When it comes to exciting cars of yesteryear few cars are as under-appreciated as the legendary Acura NSX.... Read More
Thu, Mar 24, 2016 at 12:22PM by Carl Malek
The 2017 Acura NSX has already achieved an impressive number of accolades, but amid the praise and the world-class... Read More
Mon, Feb 22, 2016 at 3:24PM by Lou Ruggieri
Some cars and trucks are just ahead of their time. Sometimes, the world is just not ready yet for an idea;... Read More
Tue, Nov 24, 2015 at 12:18PM by Lou Ruggieri
If we are being honest with ourselves, America, we haven't been very good at producing many sedans worth... Read More
Fri, Oct 16, 2015 at 11:31AM by Carl Malek
While many in the automotive industry are celebrating the recent agreement between FCA and the UAW in their... Read More
Fri, Jul 17, 2015 at 4:49PM by Lou Ruggieri
We won't lie; when a new car like a Viper comes out we are as giddy as a five-year-old on Christmas morning.... Read More
Mon, Jun 1, 2015 at 10:21AM by Carl Malek
With multiple brands creating futuritstic Gran Turismo Vision concept cars in recent years, Dodge is the... Read More
Wed, Oct 29, 2014 at 12:44PM by Teddy Field
The SEMA Show in Las Vegas is a big deal in the car world. It offers automakers the chance to 'go nuts',... Read More
Tue, Oct 7, 2014 at 1:10PM by Teddy Field
Thanks to Fiat's ownership, the Chrysler Group's Dodge brand has enjoyed a resurgence in sales and... Read More
Mon, Mar 10, 2014 at 11:43AM by Lou Ruggieri
We would like to send an open letter of thanks to the great folks at Chevrolet. It is not often these days... Read More
Thu, Jan 16, 2014 at 1:34PM by Nick Bakewell
GM's really gone and done it this time: they're offering the new Corvette Z06 with an…automatic... Read More
Fri, Nov 29, 2013 at 11:29AM by Andrew W Davis
What does the serious Shelby collector do once he's scratched all the usual itches? Cobras? You've... Read More
Mon, Jul 22, 2013 at 4:17PM by Chris Weiss
Things really haven't been looking so good for Dodge. The company has been bleeding models profusely,... Read More


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A little mousie in the library gathering up his books for school is definitely the star student.
This card features House Mouse and Friends, vellum, Impression Obsession background stamp, and watercolouring with Distress markers and Distress crayons.
With this card, I am featured as a guest on the design team for House Mouse and Friends challenge blog. The challenge is I Can See Right Through You!, a challenge for using vellum, aperture, or any other way to look through. Come join us on the challenge!
I stamped the House Mouse image with a dark brown Rich Cocoa.
I stamped the bookshelf background with black.
Several weeks ago I bought a few Impression Obsession background stamps as imperfect seconds. They were about 1/3 normal price, so I figured I could work around the flaws. As you can see, there is one spot on this stamp that doesn't get a good impression.
I coloured both with Distress crayons and markers in the cooler downstairs and not in my overly hot workshop upstairs. I am so looking forward to the cooler temperatures of Autumn (and winter).
There are slight colour differences in the Distress markers and crayons that I noticed for those I have both. Mostly because of the consistency and how the medium can be applied. It just makes me want to fill in my collection of both all that much more. The markers are closest in consistency and colour to the ink pads with the crayons having a creamier aspect. It's hard to describe and is subtle. I used the markers and crayons because they're more portable and compact than my tins of minis.
I fussy cut the mousie with a narrow margin.
I trimmed the bookcase and, poof, the flaw in the stamping was gone.
I trimmed a piece of vellum to fit over the bookcase.
I stamped a sentiment and dry fit them on the card base.
Because I wanted to 'float' the vellum above the book case, I adhered the mousie and sentiment to the vellum with tape runner.
I then flipped the vellum over and added foam mounting tape behind the mousie and sentiment strip.
I added an arrow, also with foam mounting tape behind it, to give another point for the vellum to rest on. The vellum is anchored just in these hidden spots.
Inside, I stamped a pencil in multiple colours and added another sentiment.


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So, I've been talking about it for ages! We're finally having another stocking of our handmade limited print one-size pocket nappies. There are so many lovely designer prints to choose from, but stocks are very limited! There are only 60 in total, with there being only one or two in some patterns (though I have made more in the most popular patterns like blue zoo, treetop birds, sparrow and a few others).
Going on past experience, these sell out super-quickly, so I'll be stocking them all at once. The time will be this Monday:
February 15th, at 8pm Melbourne time (AEDST).
You can view the listing here now, but of course no ordering until Monday. Please note that Paypal will not be a payment option on Monday night as it can cause problems with our shopping cart (some of you may know how disastrous this has been in the past!). You will still be able to pay via direct bank deposit and by credit card through our secure onsite ANZ payment processor.
I know you are probably also wondering about the new range - well, I'll hopefully have some news within the next few weeks about that...
I hope to 'see' you on Monday!


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This page updates throughout the day. Be sure to check back.
- Chinese MMO developer Perfect World -- creators of Perfect World, Forsaken World, and Battle of the Immortals -- has announced that they are currently working on a new Asian-themed MMORPG, Holy King. This game is adapted from a popular novel of the same name.
[LINK] Perfect World Home Page (EN)
- To celebrate the 25th anniversary of the franchise, Konami is re-releasing the first four Metal Gear games in a single collection called Metal Gear Solid: The Legacy Collection. This collection will only be available for the Playstation 3 on Tuesday, July 9, 2013 at a cost of $49.99US. The collection also comes with an all-new, 100-page book full of art.
[LINK] Metal Gear Solid Home Page
- Zen Studios announced that their newest title, CastleStorm, will be available on XBLA on Wednesday, May 29, 2013. They also released an announcement trailer that shows off the game's whimsical side.
[WATCH] CastleStorm (Announce)
- Blackbird Interactive has a new 3D RTS game coming out called HARDWARE: Shipbreakers and they just released a trailer today that shows off one of their units -- the armored titan baserunner.
[WATCH] Introducing the Titan Baserunner (Teaser)
[PRE-ORDER] HARDWARE: Shipbreakers
- Last week, Warner Brothers released a teeny tiny trailer for Batman: Arkham Origins that left many people jonesing for more. As a result, today, they released a four-minute long mega-trailer that helps fill in the blanks.
[WATCH] Batman: Arkham Origins Official Trailer (Teaser)
- [WATCH] Attractio (Teaser)
- [WATCH] Guncraft (Teaser)
- [Android] Diner Dash is a game that many people are familiar with already. It was quite popular not too long ago. Well, PlayFirst Inc. is porting the game over to Android devices. There are two version: the free one and the "deluxe" edition for $.99.
[FREE] [GoogPlay] Diner Dash
Release Dates
- 2013.05.28 - Fuse (PS3, 360)
- 2013.05.24 - Sniper Elite V2 (PC, 360)
- 2013.05.23 - Skyward Collapse (STEAM)
- 2013.05.23 - Call of Juarez: Gunslinger (PC, 360, PS3)
Release Dates (New Today)
- 2013.07.09 - Metal Gear Solid: The Legacy Collection (PS3)
- 2013.05.29 - CastleStorm (XBLA)
- 2013.05.24 - Donkey Kong Country Returns 3D (3DS)
- 2013.05.24 - LEGO® BATMAN 2: DC Super Heroes (WiiU)
- 2013.05.24 - Resident Evil Revelations (WiiU)
- 2013.05.23 - Air Battle Hockey 3D (3DS)
- 2013.05.23 - Groove Heaven (3DS)
- 2013.05.23 - Kirby's Dream Course (WiiU)
- 2013.05.23 - Kirby Super Star (WiiU)
- 2013.05.23 - PROJECT X ZONE: A Lethal Surprise Demo (3DS)
- 2013.05.23 - Swords & Soldiers 3D (3DS)
- 2013.05.23 - Tom Clancy's Ghost Recon: Shadow Wars (3DS)
Indie/Doujin Support
- Kyttaro Games is putting together a grant to assist one deserving indie developer or development team to realize their goal of building their own video game. The grant is called the Indie Dev Grant and they are currently accepting submissions between now and Friday, May 24, 2013.
[LINK] Indie Dev Grant Details/Rules
[E-MAIL] E-mail Your Submission
- Exato Game Studios has a new game called Guncraft and they are looking for support on Steam's Greenlight program.
[LINK] [Steam] Guncraft
- Trave is a casual platform game where you play as a ball that has to jump from platform to platform collecting stars. Six themes and forty-five levels. They released just under a week ago and now they are looking for support on Greenlight.
[LINK] [Steam] Trave
- None
Got gaming news? Send it to me.


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Rembrandt Riches Slot Machine
The next in our collection of IGT Slot Machines is the Rembrandt Riches slot, here is a great looking and great playing slot machine which has a very unusual number of paylines which you can play. There are a rather wacky 99 lines of offer on this slot make does indeed make it very unique and with that many paylines available to play those winning symbols and combinations should keep on appearing time and time again.Overview of the Rembrandt Riches Fruit Machine
The Rembrandt Riches Slot is an IGT Game.
This slot machine uses video screen technology.
Rembrandt Riches slot has a space theme.
The Rembrandt Riches is a multi line bonus slot.
99 optional paylines are available on this slot.
Bonus games are awarded.
5 video reels are in play.
This slot is a land based casino slot.
Ticket dispensing cash out payment system.Similar Online Slots to the Rembrandt Riches Slot Machine
There are lots of different online slot games that are similar to the Rembrandt Riches slot machine, below we have found a few with similar themes or game play structure, checkout some of these slots are they are quite entertaining and can be played for free or for real money online and can be played by US based players.Daredevil Dave Slot Game
The Daredevil Dave slot game is a great slot to play if you like the above slot but are seeking something a little more advanced in terms of game play structure.
This is a multi line video slot game from Vegas Technology and this one will have you performing all manner of mind boggling stunts in your quest to bag yourself a bargain by way of a huge payout that shouldn't cost you too much. Check it out at any of the sites listed below as they are all top rated and will let you play for free or for real money.
Another new slot game that comes which will give you plenty of action for your hard earned slot playing budget is the Daredevil slot.
This slot game is one of the new ones that have been released from Playtech and if you want state of the art action packed and potentially high paying slot spinning game play structures then look no further than this little beauty which is ready and waiting for you at any or all of our showcased Playtech powered sites listed below they all come highly recommended and each one has some decent welcome bonuses which can be claimed by new players.
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Re: Recovering files from old hard drive
Re: Recovering files from old hard drive
[ Follow Ups ] [ Post Followups ] [ FAQ ] [ Back to Messages ]
Posted by Henry on November 04, 2001 at 22:40:26:
In Reply to: Recovering files from old hard drive posted by Des Horan on November 01, 2001 at 05:12:53:
: I removed a Maxtor LXT340A 300mb drive from an old PC and I want to transfer its contents to my present machine. It was connected as a secondary master, but when I connect it up to my PC now it isn't recognised. The old PC was running Windows95 and I'm using W98... any ideas how I can get it up and running? I'm stumped!
Some reasons HDDs are not recognized by BIOS:
1. Jumpers wrong (Master HDD may need to be jumpered differently if you mate it with a slave).
2. Power not getting to HDD
3. Data cable not REALLY connected (just looks connected)
4. HDD capacity greater than BIOS capability (probably NOT your problem)
5. Bad HDD; fried circuit board
6. Bad cable(s)
7. Data cable has half twist (Red Stripe on pin1 at one end, pin40 at the other end.
8. Bad onboard IDE function
9. Some basic incompatibilities among the HDDs and your PC.
10. One or more BENT pins - on HDD or mainboard
Suggest that you install the OLD HDD as the only IDE device on your PC and get it working then install the drive you want to copy to (maybe on the other cable), get that to work with the old HDD, save your files and put things back like they were. Very likely that the old HDD is FAT16 and W98 HDD is probably FAT32 meaning that you will need to boot to a FAT32 system to see both drives (a FAT16 OS like DOS 6.xx would call FAT32 "NONDOS Partition" because it doesn't recognize the FAT32 partition as a valid DOS partition) - that wouldn't affect BIOS detecting the drive.
If you need a DOS System that works with FAT32 volumes you can make one easily by formatting a floppy under W98 (format a:/s/u) and copying the utilities you need from c:\windows\command
You can make it as sophisticated as you like - everything fits on two bootable floppies; makes a neat DOS system on a HDD too - you can even include CD support!
Hope this helps,
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Andrew Barrie
Supported by Temperzone and New Zealand Institute of Architects
5 November - 27 November 1999
Architect Andrew Barrie manipulates conventions for representing architecture—drawing and painting, photographic reproduction and modelling—suggesting ways architectural space might be rethought. Several of the schemes represented in the show have received New Zealand national architectural awards, and two were selected for the SD Review, one of Japan's most prestigious accolades for young architects. The expatriate New Zealander is currently working on a PhD as Monbusho Research Scholar at the Graduate School of Frontier Sciences at the University of Tokyo.
Barrie writes: "My work is informed by three ideas: CODE. New representational codes provide new ways of understanding and making the world. How we understand architecture is evident in the codes we use to represent it. Architectural drawings and models typically emphasise edges, borders, and boundaries, shifts from one material or component to another, or from solid matter to empty space. In attempting to devise an architecture which subverts such transitions I have been developing alternative representational systems which disregard boundaries and emphasise vision rather than substance. EQUALISATION. I want to diminish the difference between visible and invisible, equalising solid and void, mass and space. This is much easier in drawing than in building. In my composite sectional drawings for instance, sectional outlines mark the change from solid to void, but don't indicate which side of the line is which—solid and void have been equalised. But what is easily drawn may be impossible to build. The models exhibited here result from the process of trying to translate this idea from drawing into three dimensions. FAILED SPACE. In The Lost Dimension, Paul Virilio argues that modern communication and media technology have eliminated the gap between near and far. Seeing all barriers as penetrable and all separations as bridgeable, he claims, 'there is no plenum; space is not filled with matter'. Virilio may overstate the point, but certainly distance is no longer absolute, it can be overcome. Certainly this may be more a phenomenon of urban or geographic space than architectural space. But if we understand the space we inhabit as neither empty nor extending smoothly in every direction, and if mass can be reworked so that space and therefore vision can penetrate it, then we have a world in which different and incompatible entities can occupy the same position. Here space is unable to hold its own, and 'fails'."


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Is Propane?
people know propane as the fuel in a white container attached to a barbecue
grill. But propane has long proven its versatility for heating homes, heating
water, cooking, drying clothes, fueling gas fire places, and as an alternative
fuel for vehicles. However, more propane is used to make petrochemicals which
are the building blocks for plastics, alcohol, fibers, and cosmetics, to name
just a few. Propane naturally occurs as a gas at atmospheric pressure but can
be liquefied if subjected to moderately increased pressure. It is stored and
transported in its compressed liquid form, but by opening a valve to release
propane from a pressurized storage container, it is vaporized into a gas for
use. Simply stated, propane is always a liquid until it is used. Although
propane is non-toxic and odorless, an identifying odor is added so the gas can
be readily detected.
Does Propane Come From?
A unique feature of propane is that it is a by-product of
two other processes, natural gas processing and petroleum refining. Natural gas
plant production of propane involves extracting propane and butane from natural
gas to prevent these liquids from condensing and causing operational problems
in natural gas pipelines. Similarly, when oil refineries make major products
such as motor gasoline and heating oil, some propane is produced as a
by-product of those processes. It is
important to understand that the by-product nature of propane production means
that the volume made available from natural gas processing and oil refining
cannot be adjusted when prices and demand for propane fluctuate. Demand is also met by imports of
propane and stored inventories. Although imports provide the smallest (about 10
percent) component of U.S. propane supply, they are vital when consumption
exceeds available supplies of propane. Propane is imported by land (via
pipeline and rail car from Canada) and by sea (in tankers from such countries
as Algeria, Saudi Arabia, Nigeria, and Norway).
What Influences Propane Prices?
Propane prices are subject to a number of influences, some
common to all petroleum products, and others unique to propane. The price of
propane is influenced by the prices of competing fuels in each market; the
distance propane has to travel to reach a customer; and the volumes used by a
customer. More specifically, propane prices are affected by: Crude Oil and
Natural Gas Prices - Although propane is produced from both crude oil refining
and natural gas processing, its price is influenced mainly by the cost of crude
oil. This is because propane competes mostly with crude oil-based fuels.
Supply/Demand Balance
- Propane supply and demand is subject to changes in domestic production,
weather, and inventory levels, among other factors. While propane production is
not seasonal, residential demand is highly seasonal. This imbalance causes
inventories to be built up during the summer months when consumption is low and
for inventories to be drawn down during the winter months when consumption is
much higher. When inventories of propane at the start of the winter heating
season are low, chances increase that higher propane prices may occur during
the winter season.
weather can put extra pressure on propane prices during the high demand winter
season because there are no readily available sources of increased supply
except for imports. And imports may take several weeks to arrive, during which
time larger-than-normal withdrawals from inventories may occur, sending prices
upward. Cold weather early in the heating season can cause higher prices sooner
rather than later, since early inventory withdrawals affect supply availability
for the rest of the winter.
Proximity of Supply
- Due to transportation costs, customers farthest from the major supply sources
(the Gulf Coast and the Midwest) will generally pay higher prices for propane.
Markets Served -
Propane demand comes from several different markets that exhibit distinct
patterns in response to the seasons and other influences. Residential demand, for
instance, depends on the weather, so prices rise in the winter. If producers of
petrochemicals should have to depart from their summer pattern for some reason,
the overlapping demand could raise prices. Prices could also be driven up if
agricultural sector demand for propane to dry crops remains high late into the
fall, when residential demand begins to rise.


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To conclude, and to add to the original conclusion (which is "Discrimination (11)" – click here), this is another way we can prevent discrimination: Thank… Read more "Discrimination (conclusion – for real)"
Discrimination (continuing – 2)
This video, edited by me – with another surprise – will give you a few perspectives on discrimination. (Filmed, edited, voiceovers and sound effects by Luke Parkes)
Discrimination (continuing)
I want to add more to what I have posted previously, and this image below, which links "Discrimination (10)" (click here), emphasises on how discrimination can isolate… Read more "Discrimination (continuing)"
Discrimination (reference list)
For the reference list, click this link: LParkes_IDC
Discrimination (11)
Let me conjure that image from the first post: So how can we stop people from treating another person unfairly? According to Citizens Advice Bureau (NZ), everyone… Read more "Discrimination (11)"
Discrimination (10)
So it is obvious that discrimination is bad. It has the power to strip a person of their rights, of their security, to put them in a… Read more "Discrimination (10)"
Discrimination (9)
I read an article called 6 Instances of Discrimination People with Disabilities Face Every Day. It was eye-opening, especially since it was written by someone who is physically… Read more "Discrimination (9)"


text:
Just like your logo design, the identity package you choose leaves your mark in the business place. An identity package ties all points of contact you have in the working world together.
From letterhead, envelopes and business cards to everyday items such as fax forms and invoices, your identity package presents your business to the world. Show the worldyou mean business with a professionally designed identity from Erdner Design.
I can work with a new logo which I design for you or an existing logo you're already proud of. Or, perhaps your current identity seems a bit a dated — contact me for a fresh new look!


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Animated at Kulturhuset#10: Best of ReAnima
Animated at Kulturhuset
Wedensday 11th of April at 18:00
Kulturhuset! Youngs gate 6, 0181 Oslo, Norway
April 11th we have invited the brand new animation festival ReAnima Festival to screen the best films from their first edition, at our short film screening at Kulturhuset in Oslo.
In this selection the audience will find contemporary stories and artworks that reflect our times plagued by uncertainty but that also express combative messages, artistic concerns, metaphors about life and death, the alienation created by governments to subdued the citizens. This is a global vision of the best alternative and independent animation around the world.
Chinese Animation Education: Silent within Noise
Xue Yanping (Catfood Animation Studio)
China, 2016, digital, 11'
This animation is a mix of documentary and music video that presents the situation of Chinese animation education in the 21st Century.
In a heartbeat
Esteban Bravo and Beth David (Beth David and Esteban Bravo)
United States, 2017, digital, 4'06"
A closeted boy runs the risk of being outed by his own heart after it pops out of his chest to chase down the boy of his dreams.
Divisional Articulations
Max Hattler (Max Hattler / University of Hong Kong)
Hong Kong, 2017, digital, 4'33"
Repetition and distortion drive this audiovisual collaboration between composer Lux Prima and visual artist Max Hattler, where fuzzy analogue music and geometric digital animation collide in an electronic feedback loop, and spawn arrays of divisional articulations in time and space.
Ils tombent tous / They all fall
Joann Guyonnet (Biscuit Production/Joann Guyonnet)
France, 2016, digital, 6'
A man…
Some Bottles…
Pierre Ropars, Antonin Derory, Diane Thirault,
Jérémie Cottard, Matthieu Druaud, Adrien Zumbihl (Supincofom Rubika)
France, 2017, digital, 7'42"
Overrun tells the story of an ant who is plunged into a dark and cold place. We follow its journey through this seemingly disturbing and dangerous, yet fascinating world and its quest to escape.
Shunsaku Hayashi (Nurturing of Media Art Creators)
Japan, 2017, digital, 8'
This film is about the individuality in the serial solidarity of the individual; how an individual can be single. In the continuous identity of atoms, what can divide it from the plurality?
Amnesia de Estado / State of amnesia
Esteban Azuela (DeMotu Productions)
Mexico, 2016, digital, 2'47"
A mockery of the alienation to the images which we live, like the morning when you pass by your timeline and everything you see is narco-terrorism and entertainment and after that you go to work or whatever; our minds have been raped with all this violence. It´s like a snake biting its tail while writhing in pain begging for mercy.
Johan Oettinger, Urte Oettinger (Art Shot/Wiredfly/Basmati Film)
Lithuania, Denmark, 2016, digital, 7'48"
An old and proud eagle is starving in a stormy, desolate mountain landscape. Lured by a mirage it discovers some carrion. The eagle is tempted to fortify itself, but does not go against its nature – to never eat carrion. It is a desperate and hopeless situation, so the spirit of doom manages to seduce the weak eagle. As soon as the eagle gives in to temptation, a bullet is shot. The eagle dies, but stays true to itself.
Sorrowful seed
Dent&Qieer Wang (Dent&Qieer Wang )
United States, 2017, digital, 9'18"
The film is an abstract portrayal of motherhood and transcendence, involving visceral imagery and grainy sketches. The film's hazy tone and minimal scenery depict a sense of coldness that accompanies the music through loose narrative.


text:
Showcasing the rich heritage of Tuscan workmanship, Italian Shoemakers is a footwear label that puts emphasis on creativity and craft.
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text:
Understanding ProTune on the GoPro Hero Cameras
Maybe you want to know more about Protune, the setting in a GoPro that gives you more shooting options. Maybe you don't want to get your tutorials from a Bro on a Bike slathering you with Bro Sauce. If that sounds all too familiar, this is the video for you.


text:
She walked into it willingly, she bear the consequence.
The page closed down...isit cos she got married or has she broken up or is this a made believed story ?Guess we will never knowhttps://dayre.me/Glowinglove
The guy cfm found another.The ex wife is lucky lo.They say what can be snatched away is rubbish. Let the other person keep it.Also a gd wake up call, at her age should not believe in fairytales already. Nowadays teenagers also smart to keep their hearts away from players...
With Quick-Reply you can write a post when viewing a topic without loading a new page. You can still use bulletin board code and smileys as you would in a normal post.


text:
Weather at the Frozen North
This is my personal blog. My professional blog is The Customer Service Survey
I've written a book called Gourmet Customer Service. You can buy it on Amazon.
(in)Frequently Asked Questions
AIM Screen Name: DFNfrozenNorth
Last Updated: Aug 07, 2008 03:29 PM
Tuesday - January 06, 2004 at 03:37 AM in
Microsoft's iPod killer?
Microsoft is floating an "iPod killer " which will pack audio and video playback into a Windows CE-based device costing $400 to $700. Units will be available in mid-2004, but I'm going to go out on a limb and say this product (at least as it is being shown currently) will land with a dull thud. In fact, I'm going to go even farther, and suggest that this will become an excellent case study of how good theories don't translate into good products.
Theory: To beat iPod, you have to do it better. It is pretty hard to refine the digital music player much beyond the iPod, which fits the niche almost perfectly. An excellent combination of storage capacity, form factor and experience (aka user interface), the only thing it needs is a lower price, and that's supposed to be coming. So how do you do iPod one better?
Why, add video, of course!
Bzzzzzzt! Wrong answer. It is easy to see video as the logical progression beyond audio, but it isn't. Especially for a portable device. You can't watch a movie while jogging, bicycling, driving a car, etc. In fact, for video, you pretty much have to be sitting down in one place, since it commands all your attention. So, adding video doesn't make it a better iPod, it puts it in a whole new product category: portable video player.
Guess what? This category already exists, but perhaps that fact got overlooked in the zeal to beat iPod. Here's a whole page from Amazon . These units take regular DVDs (so you don't have to download the movie to your computer first), they have screens up to 5" or larger (vs 4" for the Microsoft version), they cost as little as $170 (vs. $400), and they don't run Windows. Which leads me to the next theory....
Theory: "Windows Everywhere" is Microsoft's strategy of success. Microsoft has been famous for its "Windows Everywhere" strategy, and justifiably feels that this strategy has been an overwhelming success. At least....if by "Windows Everywhere" you mean "Windows running on an Intel/AMD platform in a PC or laptop anywhere it makes sense."
Microsoft doesn't enjoy anywhere near the market share in the handheld market as it does in PCs, and that's arguably the only non-PC non-server market where Microsoft has achieved any success with Windows at all.
I am constantly amazed that Microsoft doesn't understand that people don't want Windows Everywhere. With all their usability engineers and human factors specialists and $50 billion in the bank, Microsoft hasn't figured out consumers want to push PLAY and have it PLAY. The last thing most people want to deal with is a Windows-style interface layered on top of a music player, video player, mobile phone, or refrigerator.
You will note, by the way, that the iPod does not run MacOS X, though it certainly interfaces well to MacOS-based computers. On the other hand, Apple does not seem to need to extend its MacOS franchise beyond actual Macintosh computers.
Theory: Microsoft makes software, other guys make hardware. The past few decades in the computer business have been all about moving from vertical integration to horizontal integration (or, in less jargony terms, going from buying everything from IBM to buying the computer from Dell, the processor from Intel, and the software from Microsoft). This is the strategy Microsoft is pursuing with the media player, but the limitations are apparent.
Why, for example, would anyone want to build a media player based on Windows in the first place? The short answer is because Microsoft is providing the software layer, and insists that the software be Windows. Unfortunately, the end result is a beast which nobody will want, largely because of the fact that Microsoft felt the need to extend its Windows franchise.
Now, if Microsoft could get beyond Windows and behave more like an embedded software company, you might have a good product. But that would require giving up the Windows stamp, and that's not consistent with Microsoft's strategic goals (after all, how many outside geekdom have ever heard of Wind River? How many of us own something which contains Wind River software?).
The lesson here is that horizontal integration works only when everyone's strategic and tactical goals are consistent with making a winning product. If not, better to have one company do everything and avoid the conflict between vendors.
Posted at 03:37 AM | Permalink | | |


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The office is the place where people work and hence it is very important to design the office in the most comfortable manner so that the overall productivity and performance of the employees can enhanced. The selection of furniture plays a vital role as you need to look for spaciousness, appearance and durability of the furniture. There has been increase in the popularity of individually designed offices or furniture as it provides a different look to your workplace. There are a wide range of options of unique office furniture that provides a modern, stylish and neat appearance to the office.
When you opt for individually designed office, you have the opportunity of planning the furnishing and layout of the office in accordance to your preferences. When you make use of unique office furniture you can provide an outstanding look to your office by creating a comfortable ambience. It is very important to select attractive and high quality office furniture which makes the office look a pleasant and inviting place to work. You also have the option of selecting from limited designs, styles and colours of the individually designed furniture that are available in eye catchy furniture options. You should look for solid, functional and creative furniture for your office so that it can last for a longer duration of time.
Unique office furniture imparts a fresh and different look to your workplace as it is considered as a welcome change that involves the use of the best furniture collection that is functional, durable as well as pleasing to your eyes. The overall appeal of this furniture also makes your office look presentable to clients and visitors and hence it is very important to select the style of furniture that reflects your personality and image. You should select something that provides you the best value for money and is comfortable to use.


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Enjoy your free time with family and friends! Get help from our experienced house cleaning teams.Call (847) 450-0351 now and schedule our regular house cleaning services.
Get a helping hand from expert carpet cleaners that will take care of all boring tasks for you. Call (847) 450-0351 now to get a free quote!


text: N, REAL ESTATE TERM OF THE DAY NEIGHBORHOOD CENTER RETOTD Episode 00290 August 30, 2017 • 0 Comments http://media.blubrry.com/homesellerhomebuyer/p/traffic.libsyn.com/homesellerhomebuyer/NEIGHBORHOOD_CENTER_RETOTD_Episode_00290.mp3Podcast: Play in new window | Download | EmbedSubscribe: Android | RSS NEIGHBORHOOD CENTER This center is designed to provide convenience shopping for the day-to-day needs of consumers in the immediate neighborhood. According to ICSC's SCORE publication, a supermarket anchors half of these centers, while about a third have a drugstore anchor. Stores offering pharmaceuticals and health-related products, sundries, snacks and personal services, support these anchors. A neighborhood center is usually configured as a straight line strip with no enclosed walkway or mall area, although a canopy may connect the storefronts.


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Hey my beauties how are you all doing today :)
I was rooting through my lips products yesterday and came across one lip product I have in all the shades they offer. I was thinking to myself wow a much loved lip product I havent worn in quite a while Its unreal how you "Forget" about good product when you are a beauty guru especially. I decided there and then that this lip product would be what I would wear for day 10. :)
This product was a favourite of mine for a long time and I am nearly sure it was the first matte lip product I ever tried. You see I was always into having lips even with a little bit of gloss be it from a lipstick or from a gloss etc. I am not one who likes dry lips or dry product on my lips and I always thought all matte lip products done the same thing boy was i wrong.
So I can clearly tell you that this lip product converted me to liking matte lipsticks
So what is the lipstick I am Talking about :)
There are available from eyeslipsface.co.uk for only £3.75 for 1.8g and there are 6 shades to choose from I have 4 shades :)
This convenient jumbo sized lip pencil creates exact colour application with twist up ease so you never have to sharpen. The pigment rich colour glides on effortlessly and easily to provide long lasting matte colour. The enriched Vitamin A, C & E formula moisturises and hydrates lips for beautiful healthy looking lips.
This is a well used shade as you see lol but the shade is stunning. Its the perfect Natural shade hence the name :) :) Its a beautiful neutral pinky shade. This is so so creamy and moisturising that it is hard to believe its a matte lipstick.
Applying this lipstick is like a dream it glides on smoothly and the fact that it is matte you wouldn't need a lip liner wearing this.
The packaging is brilliant as it can fit in you handbag and not be in the way. It also comes with a hidden sharpener even though I have never used it.
The Pigmentation is amazing you dont even need to build it. The one thing I have to say with all the shades I do have they do not act like a stain so basically you will need to reapply through out the day.
The lasting power is about 3-4 hours before you notice any fading
Over all I think that these are amazing value for what you are getting :) :)
I have found they do not even soak into any lines I have had on my lips but I do advise if you have very dry lips to apply a little balm to your lips before hand like I have done in the below photo
Today I have applied this shade with a lip gloss over for longer lasting power and I found an amazing match for the shade and it looks amazing in person.
I applied on of my current favourite glosses The MUA Intense Kisses Gloss in "Sealed with a Kiss" Awwww its a stunning combination :) :)
In this photo I am wearing both on my lips :)
Apologies for the sleepy look of me in the photo I have no sleep for 2 days and only for makeup I would have looked 10 times worse lol
So thats my lips of the day everyone :)
What have you got on yours :)
Check out the ladies who have also taken part in #28Kisses posts you might see something you want to try out for yourself :)
Until next Time
Lots of Love Luck and Laughter
I love love love hearing from you all :) I make it my duty to read each and every one of you comments and every time i get a comment from you it highlights my day thanks so so much to you all xxxxxxxxxxxxxxx


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"White Lives Matter" joins SPLC hate group list
Indicative of the current racial climate in the US, "White Lives Matter" (WLM) has been classified as a hate group by the Southern Poverty Law Center. The group had been forged in the crucible of the "Black Lives Matter" movement and is a skewed devisive alternative. An alternative based on a narrow and misconstrued… Read More "White Lives Matter" joins SPLC hate group list


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THE Ramu NiCo Management Ltd has awarded a road contract worth more than K700,000 to a landowner company from the project area.
The nickel miner has awarded the road maintenance contract to Maigari Ltd, valued at about K3000,000 per year for the next two years.
The contract covered the 6.2 kilometre road which starts from Yamagi in the Ward 31 area of Usino LLG to Ramu River Bridge or Banu, in the Usino LLG.
Ramu NiCo has urged Maigari Ltd to take priority in its safety standards to ensure all its staff and machinery were safe so they could deliver the result required.
In a low key ceremony on Wednesday Kurumbukari (KBK) mine health, safety and environment manager Bill Miname said Ramu NiCo wanted all landowner companies' employees to go home safely to see their families.
Miname said Ramu NiCo saw safety as its priority and any contract awarded to any companies, including landowner companies, should make sure there was no casualty.
They will assign a safety officer to assist Maigari Ltd avoid any potential fatalities when delivering the maintenance road work.
Deputy mine manager Timothy Irinaya said that section of the road had been causing problems for the mine's operation, locals and the general travelling public.
The access road will also benefit people from Usino and Bundi as far as Bundi station including Brahaman High School, Danagari, Enekuai and other villages.
Rami Nickel Mine awards road contract to local company
on 6:15 PM


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Why Choose Glenn Duker?
If you're looking for a lease lawyer, or a solicitor to assist with any other legal matter, Glenn Duker is the very best choice. A senior lawyer, Glenn possesses all the necessary experience and knowledge to excel in a variety of areas of law.
Expert Advice
If you need expert legal advice or representation in any area, you couldn't find anyone better suited. Glenn has established successful outcomes for many clients, providing them with useful advice and information that's assisted them throughout their legal battles and negotiations.
Solid Experience
Glenn Duker has amassed over 20 years of legal experience, specialising in a variety of fields. In addition to retail and commercial leasing, he is also skilled in litigation, family law, and commercial and property law, among others. His experience in multiple areas has given him a comprehensive knowledge of the legal system and how it works, enabling him to help his clients achieve the best outcomes.
Contact Glenn Duker Today
Contact experienced lawyer and solicitor Glenn Duker today to obtain expert advice and representation in a variety of legal fields. He'll provide you with all the help you'll need, simplifying the legal process while doing everything possible to secure a successful result.
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Jade Eckardt 06 Sep 2017 // 1:06PM GMT
NEW YORK — Audio streaming service TuneIn has appointed Ketchum as its exclusive PR agency of record, the Holmes Report can reveal.
TuneIn will work with Ketchum's Sports & Entertainment (KSE) practice, which is led in New York by Marcus Peterzell, partner and head of entertainment at KSE who joined the firm in early 2011. The assignment follows a competitive review that involved numerous agencies, according to Peterzell.
"It's a very long-term assignment, we're in for the long haul," Peterzell said. "We are thrilled to win the business." He declined to comment on budget.
The agency is tasked with covering TuneIn's four key verticals, which include sports, music, podcasts and audio books. The Omnicom Group agency will focus on North America with global services planned for the future, said Peterzell.
"Ketchum Sports & Entertainment was the perfect fit for TuneIn, as they had a dedicated team of cross-functional subject matter experts across each of our content verticals," said Scott Parker, vice president of marketing at TuneIn. "We are already off to an exciting start, and I look forward to what the future holds for our partnership."
In recent months, KSE has worked with TuneIn — which provides a collection of sports, music, news, podcasts and audiobooks — to support significant media coverage across a wide variety of platforms and outlets across all mediums. KSE has also assisted with the brand's activation at SXSW, the NFL Draft, NBA Finals and music festivals across the US.
"We are very excited to work with TuneIn to bring our integrated team of music, sports, technology and entertainment experts to bring value to this growing media company. TuneIn's mission is to deliver the world's best listen experiences, and we're grateful for the opportunity to help them tell their story," said Peterzell.
TuneIn launched under the name RadioTime in Dallas in 2002. Since then, it has cultivated over 75m monthly active users. The brand is now headquartered in San Francisco and has over 120k owned and operated, and partner radio stations.


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Nelson at Sea (Hardcover)
Gomer Press Limited, 9781848513150, 60pp.
Publication Date: October 1, 2011
List Price: 17.99*
* Individual store prices may vary.
About the Author
Simon Weston OBE is a former British Army soldier who became well known after suffering severe injuries during the bombing of the Sir Galahad in the Falklands War. After recovering from his initial injuries, he has worked tirelessly for charity and is now a well-known personality on radio and TV, and much in demand as an after dinner speaker throughout the UK. He has published three books for children with Pont Books, A Nod from Nelson and its sequel, Nelson to the Rescue and Nelson at Sea. Television personality and presenter David FitzGerald (Fitz) currently writes for newspapers and magazines as well as hosting a regular Saturday morning programme for BBC Radio Devon. He and Simon Weston have been friends since they first met over twenty years ago. They share a whacky sense of humour and a wicked sense of fun, and enjoyed collaborating on three books for children, A Nod from Nelson, Nelson to the Rescue and Nelson at Sea published by Pont Books. David Fitzgerald also published A Very Berry Christmas with illustrator Robert Dudley in 2012.
Not Currently Available for Direct Purchase


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UNIVERSITY PARK, Pa. — Penn State University Police are investigating an incident of criminal mischief that occurred at 9:30 p.m. April 14 in Robinson Hall. Robinson Hall is located in the North Housing Area on the University Park campus. Police are seeking assistance with identifying the pictured individuals.
Anyone with information related to the incident or the identity of the pictured individuals should contact Penn State University Police at 814-863-1111 or submit tips to Centre County CrimeStoppers at email@example.com. Those providing information that leads to an arrest may be eligible for a reward up to $1,000 from Centre County CrimeStoppers. Anonymous tips can be submitted at https://police.psu.edu/report-crime.
University Police would like to remind the community to report all suspicious persons and activities to the police immediately.


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Hexastylis minor (or H. heterophylla?)
Fair warning: I may have two different species listed on this page–I'm not sure of the ID. Drop me a note if you know for sure.
This species of ginger has heart-shaped leaves that are smooth, waxy, and evergreen; they are often mottled with white. The leaves appear singly, or in a haphazard group. A similar species, Virginia Heartleaf, has larger leaves that grow in a tight clump and have a slightly different flower. Also, contrast heartleaf with Wild Ginger (Asarum canadense), which has leaves that are larger, velvety, and deciduous.
The leaves and rhizomes of little heartleaf are aromatic; the hidden flowers are deep red with a whitish center. You will have to dig down close to the ground to find them because they are often obscured by fallen leaves–but it is worth the hunt! These flowers can be reddish purple or brownish with white highlights. They are exotic!


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Lime Green 100% Polyester Hoodie
Product Description
This 100% polyester lime hoodie features a hand pouch and 4" 3M reflective tape. It meets CSA Z96-02 Class 2, Level 2 standards and is great for screen printing and embroidery. We recommend a dark colour screen print on this garment.
freshimage has a highly developed production and shipping system and we make every effort to ship your order in a fast and effecient manner.
Live Preview
Tell us how many colors you want in this design printed in
select the colors to be used in the final image
Select Type Of Text
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Select Type Of Design
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How many colors are in this design?
You now have multiple elements making up this screenprint design
Select the colors that appear in your design.
You need to specify the total number of unique colors used across all the elements in your design.
This helps us determine the pricing based on the number of colors in your design.
- (plus white base)
You can also specify the colors used in your design eg "Red", "Blue", "pantone 1809".
If you dont tell us, our professional designer will work it out for you.
- (plus white base)


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The Central Bureau of Investigation has today conducted searches at 32 places including the Administrative Office & 17 branches of a Maharashtra based Co-operative Bank Ltd., and the residential premises of the accused persons at Pune, Baramati and Lonavala(Maharashtra) in an on-going investigation of a case relating to alleged exchange of demonetized currency notes. Incriminating documents recovered during searches are being scrutinized.
CBI registered a case against nine officers/officials of a Co-operative Bank Ltd., Pune and others. It was alleged that after the announcement of demonetization by the Government of India on 08.11.2016, accused officers/officials in conspiracy with each other, exchanged the demonetized General Currency Notes of Rs.1000/- and Rs.500/- denomination amounting to Rs. 40 Lakh(approx) with an equivalent amount of General Currency Notes of Rs.100 and Rs.50, which were collected from different Branches of the said Co-operative Bank Ltd. It was also alleged that the accused replaced the Original Small Cash Books (Cash Summary Books) of Administrative Office and Branches of the Bank, with new manipulated Small Cash Books containing the false entries with respect to various denominations of General Currency Notes of Rs.1000/- & Rs.500/- and Rs.100/- & Rs.50/- denominations to accommodate the exchange of demonetized currency done so, in gross violation of Banking rules and regulations.


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Yosemite Foothills Open Studio Tour
The upcoming 2018 Sierra Art Trails open studio tour has many talented artists. The Sierra Sun Times will be featuring a sampling
of several area artists each week leading up to the show. Check back regularly to see who the next featured artist will be.
Michael J. Costa
Artist #56
My journey into the creative realm of photography began when I was a young boy, maybe 8 years old, when I picked up my first magazine of National Geographic. My father took me with him to his sister's house to visit and the only thing she had to entertain a young child was the magazine. Being of Portuguese descent and living on a dairy farm limited my exposure to what existed outside of my boundaries. Being exposed to National Geographic opened a portal for me which I am forever grateful. Thumbing through the pages I was fascinated by how far I could escape reality and how my mind could be transformed by an image. Not only did photography transport me around the world, it allowed me to experience other countries and cultures and to envision life outside of what I thought was normal. But for me it was more than just that escape that I desired. The portraits, landscape and stories are what made a visual impact on both my heart and soul and I would never be the same.
Growing up I began to explore the library as a means to research books to ignite that creative side that was just waiting to burst forth from the inside. Some of my earliest influences in the 70's and 80's were artists such as David Bowie, Andy Warhol, Prince, Madonna, and photographers such as Ansel Adams, Andres Serrano and Robert Mappllethorpe; all who created an image for themselves that surpassed all others, at least in my world. I would obsessively search through books and magazines to visually engage my mind and longed to be a creative master like they were.
Life became challenging in my later years. I worked to survive and desperate to find my true authentic self, which didn't happen until my 30's after my mother and father passed away. During this crossroad in my life I decided to pursue my passion of photography and try to become the artist that I was intended to be. While working in Yosemite National Park from 2001 until 2005, I decided to pick up a camera and embrace the possibility of living that dream of being a photographer. Living in Yosemite I was surrounded by the energy of the late Ansel Adams and entertained the possibility of becoming a photographer. So I enrolled back into college and finished my Associate of Arts degree at the College of Sequoias. I felt that if I went right back to my roots that that would humble me to start all over again and give myself the second chance that I deserved.
Then in 2006 I moved to San Francisco to put into motion my dream and vision to be an artist. I enrolled myself in the Academy of Arts University and began to study photography. The pandora box opened and suddenly I was exposed to great photographers such as, WeeGee, Edward Weston, Imogen Cunningham and Alfred Stieglitz. The passion inside me was once again refueled and I diligently worked to finish my schooling, receiving a Bachelor of Fine Arts in Photography in 2010. Believe me it wasn't an easy road, but I stuck with it and met some amazing mentors on the way and who are still in my life. My college professors Diane Choplin, Sara L. Barsness, Ryan Farnau and Davidi Wasserman were very instrumental in helping me succeed.
My work of the last eight years has become an eclectic mixture of Fine Art, Portraiture, Travel, Landscape and politically charged photographs. I have had the opportunity to work, travel and be mentored by some of my favorite award-winning photographer's such as Phill Borges and Pulitzer Prize Winner Deanne Fitz Maurice. It has been an amazing journey whether I am creating my own original Fine Art series called, Fro-Zen, traveling around the world to Viet Nam to participate in photography workshops (with Phil Borges), taking on my own adventures to Italy, Peru, Bolivia, Spain, Amsterdam, France or Portugal, or trekking the Himalayas with 50 Ibs. of camera gear to create my personal series called, Learning to Breathe, Treking in Nepal, in which the images juried into this current exhibit, Through the Lens are from my 2017 travels to Annapurna. I have been blessed to say that the little boy who first turned the page of a National Geographic Magazine has found and is living his True Authentic Self as both a Photographer and an Artist.
Visit Michael J. Costa's website, to see more of his work: www.michaeljcosta.com
Fro-Zen Flower
Fro-Zen Flowers
Rainbow Mountain Peru
Rainbow Mountain Peru


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An Important Deadline
The hardest part of any campaign is asking for money. But it's a critical reality. That's especially true in this race, with only 7 weeks until Election Day on June 4th. This Saturday, April 20th, is our first campaign finance report deadline. Please visit my website and make a contribution today. Every dollar you give will go …Read More →


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Explore Geotourism Locations
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City of Dufur
Dufur is a small, rural agricultural community that's striving to preserve its local history through buildings, museums and festivals. Dufur's location is close enough to metropolitan populations (2 hours from Portland) to allow "city dwellers" the opportunity to experience some of what rural Oregon has…Location: 040 Main Street, Dufur, OR 97021
City of Rogue River
Local communities in Southern Oregon are building the Rogue River Recreational Corridor and Greenway. It's best described as an emerald necklace of parks and public-access areas along the Rogue River connected by a ribbon of greenway trail spanning 30 miles from Grants Pass to Central Point. …Location: Depot Street Bridge, Rogue River, OR 97537
Clackamas River Corridor
Welcome to the wilderness. This corridor from Estacada to Ripplebrook Ranger Station and on to Detroit Lake and the Santiam Pass offers a glimpse into glorious forested habitat, havens for deer, elk, bear, critters and birds. Breathtaking geologic basalt outcroppings, rushing whitewater and the glassy-still…
Clackamas River Trail
Forty miles from busy downtown Portland, the Clackamas River Ranger District maintains the 8.2-mile Clackamas River Trail. It's an escape from everyday life, and offers the perfect getaway for hiking, running and even snowshoeing. The trail passes waterfalls, old-growth forests, a partial cave and beautiful…Location: Highway 224, Indian Henry Comaprground, Estacada, OR 97023
Clear Lake
Clear Lake, the source of the famous McKenzie River, was formed more than 3,000 years ago when volcanic lava flow blocked a stream bed. The spring-fed lake is exceptionally clear, with visibility to the bottom more than 100 feet down in some spots – with…Location: Clear Lake Resort
Climb Mount St. Helens
Beginners and experienced climbers alike can summit the 8,365-foot active volcano for spectacular views of the caldera and mountains beyond. Though strenuous, the climb is not technical and usually takes 7 to 12 hours round-trip. Mount St. Helens offers a wonderful opportunity to combine recreation…Location: Climber's Bivouac, Cougar, , WA 98616
Cloud Cap Inn
The Cloud Cap Inn (or Chalet) is a special building located in a very beautiful place, at the 6,000 foot level of the north side of Mt. Hood. It is also an old and historic place, built in 1889, that represents a time in the…Location: Mt. Hood National Forest, Parkdale, OR 97041
Coldwater Lake
Located at milepost 45 on State Route 504, Coldwater Lake Recreation Area offers a unique opportunity to explore the lake's origins and current flora and fauna. Enjoy a leisurely stroll on a quarter mile interpretive boardwalk that describes how the events of the 1980 eruption…Location: Mile Marker 43, Mt. St. Helens, WA 98649
Colliding Rivers Classic Sheepdog Championships
The event is unique in its heritage theme of sheepdog herding, and is held at a working ranch located in at a historically significant area of Douglas County, near the county seat of Roseburg. The event is named after a distinct nearby geological location, the…Location: 10879 Buckhorn Road, Glide, OR 97443
Colliding Rivers Viewpoint
This confluence is a rare phenomenon: two rivers, the North Umpqua and Little River, meet head-on. This site was once an important fishing village for the Umpqua Indians, and the area is rich in their culture. The North Umpqua Ranger District cares for the site,…Location: 16 Miles East of Roseburg, OR


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This Chancellor of the Exchequer who vowed not to let misselling happen again has sanctioned another pensions free-for-all.
At least the waiting is over. The veiled threat that has hung over the industry for the last three years is now an explicit one.
The Treasury has identified polarisation as standing in the way of its flagship pension so it has to go. It is a panic measure designed to boost a badly designed pension which is still set to fail because, initially at least, no one can make any money from it. Now the Government is set to allow a misbuying scandal to match the 1980s' misselling.
The FSA has done little to boost our confidence that it is anything other than the Treasury's poodle. It has sailed close to the wind on its statutory duty to consumers. It has an argument because this first panic move allowing stakeholder multi-ties is on heavily regulated products.
But it has failed to appreciate or decided to ignore the fact that a simple product within a complex environment for state and private retirement saving remains a minefield for consumers. As for decision trees, both Government and FSA are sticking to the belief they can work. We are convinced time will show they are wrong.
But they are not listening and Money Marketing fears the momentum may lead to the axing of the entire system.
For IFAs, we have two pieces of advice. First, they must back their representatives to the hilt as they try to talk some sense into the regulator. Second, they must get on with offering the highest standard of financial advice in the UK. If they do this, they can survive any challenge.
Chancellor and the FSA have opened door to misbuying
This Chancellor of the Exchequer who vowed not to let misselling happen again has sanctioned another pensions free-for-all.


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If I were to pick a single food that best embodied the fall season, it would definitely be squash. And if I were to consider how best to prepare that squash to make it taste as delicious as possible, showing off its very best qualities, then this is the recipe I would choose. I would definitely recommend that you give this recipe a shot! Now (speaking of shots), you should feel free to try it with or without the whiskey. In case you were wondering, the alcohol burns off with the cooking, leaving behind that little extra dimension of flavor. But if it doesn't appeal, just skip it. Continue reading
Tag Archives: Granny Smith
YOUR HEALTHY PLATE: Pumpkin Harvest Rice
Take all your favorite fall flavors, and mix them up in a big beautiful bowl! This is a wonderful dish for company, but the leftovers (if there are any) the next day are even better. Continue reading


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As I was watching VS Arashi SP last night through Keyhole, they showed a message just under the video itself, There is Japanese and also English in there. Without doubting anything I clicked it. It led me to a page where it's all Japanese, browse a little and found that they need help in managing Keyhole, to be able to continue watching it from KH they need financial help.
So. For those who have paypal. Please, PLEASE help them out. No matter how little your donation is, it'll definitely help them and us to be able to view videos from there.
I donated $5USD yesterday and received an email from them.
Dear Donor,
Thank you very much for your donation. It will enable us to continue
our operations free of charge and we are very grateful for your
The latest events have shown that it is very important to have
Internet-based communication and information in times of crisis and
If you have not yet used our KeyHoleVideo application, please feel
free to use this application for streaming your own live stream if
Again, thank you very much for your continued support.
Oiseyer Inc.
So, here is the link to that page, or if you want to find out yourself just go to Keyhole and click it yourself.
And please look out for the paypal sign.
Thanks, and if you can spread this around would be great! We are forever greatful for Keyhole to be there for these past few years.
Well, I know I am, not sure about the others.