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Originally published July 29, 2016
By Andy Rachleff
One of the biggest challenges for an investor is to determine how well their diversified portfolio is performing. The two most common benchmarks featured in published advice are:
- A 60/40 Stock/Bond portfolio
Unfortunately, most published advice is incorrect. That's because it usually encourages comparison to an irrelevant index or too generic of a model portfolio. In our opinion, the right way to benchmark a diversified portfolio is to take into account risk and taxes.
Let's Start with Indexes
Most individual investors think they should benchmark their diversified portfolios against a stock index like the S&P 500. That's probably because such indexes are the only indexes with which they are familiar or the only indexes their financial advisors used in the past. Most financial news outlets repeatedly report on the Dow Industrials Average and the S&P 500, so those two must be the best indexes to use, right?
These US equity indexes were created to be used as benchmarks for US public equity managers who attempt to outperform the market, not for diversified portfolios. A US stock index has a slightly higher expected return and significantly higher expected volatility (risk) than a well diversified portfolio. Using a stock index as a benchmark for a diversified portfolio is like comparing apples to oranges. The only fair way to compare the two types of investments is on a risk adjusted return basis.
Evaluating Risk: Enter the Sharpe Ratio
William Sharpe, the co-recipient of the Nobel Prize awarded for the creation of Modern Portfolio Theory (the method by which we and the vast majority of financial advisors determine an optimal asset allocation), helped solve this problem by creating the Sharpe Ratio to evaluate the risk adjusted return of dissimilar investment opportunities. It is calculated as follows:
The Sharpe Ratio for the S&P 500 over the past 15 years was 0.23. In contrast, the Sharpe ratio over the past 15 years for a hypothetical moderate risk portfolio diversified across six asset classes (similar to Wealthfront) would have been 0.34. That means a common diversified portfolio could have outperformed the S&P 500 by almost 50% on a risk adjusted return basis (See disclosures at the bottom of the post).
Sharpe ratios are used extensively by institutional investors to evaluate the performance of their portfolios. Unfortunately, most individual investors are not familiar with the Sharpe Ratio and are therefore conditioned to evaluate their portfolios' performance solely on return rather than risk AND return. As a result, a number of other lower fidelity approaches have been created to help benchmark diversified portfolios.
The Traditional Approach
The most common approach to benchmarking diversified portfolios is to compare a client's portfolio to a portfolio that consists of 60% stocks and 40% bonds. This is commonly referred to as the "60/40" portfolio. Typically, the S&P 500 is used for the stock component and the Barclays Aggregate Bond Index for the bonds. The benefit of this approach is it contemplates some diversification, but it fails to consider risk and taxes (two of the most important investment issues).
In their Nobel Prize winning work on Modern Portfolio Theory, Harry Markowitz and Bill Sharpe showed that one's tolerance for risk should be the primary driver of one's investment mix. As you can see from the chart below, there exists a maximum return for every level of risk as defined by volatility.
The line that connects the maximum returns for every level of risk is known as the Efficient Frontier. Numerous research studies have shown that it can only be achieved through the optimal allocation of asset classes, not through security selection. As you can see, the "60/40 portfolio" only represents one level of risk and isn't even on the efficient frontier (because its expected return is not the maximum expected return for a diversified portfolio with that particular level of expected risk).
Comparing a portfolio with one particular level of risk is not appropriate for investors who might have another risk tolerance. For example, an investor with significant risk tolerance (say an 8 on Wealthfront's 10 point scale) should expect both a higher return than a 60/40 portfolio and greater volatility over long periods of time.
Benchmarks Don't Include Taxes, But Taxes Matter
Almost every discussion I have read on the topic of portfolio performance ignores the impact of taxes. This is likely due to the difficulty of adjusting a benchmark for your particular tax rate. At Wealthfront, we attempt to maximize your net of fee, after-tax risk adjusted return (as should every advisor). That usually implies the use of a municipal bond fund for your fixed income allocation (because municipal bonds are not taxed at the federal and often state level) rather than a corporate bond fund that has a higher pre tax interest rate.
This point is so obvious, you'd think it wasn't necessary to make. However, almost every article I have read that evaluates Wealthfront's performance compares our portfolios to ones that use the aforementioned Barclays Aggregate Bond Index for the fixed income allocation. Our portfolios should have a lower pre-tax return (the only return that is usually discussed), but a superior after-tax return (the only thing that matters).
Ignoring Tax-Loss Harvesting and Direct Indexing
Another major challenge of traditional attempts to evaluate your portfolio's performance is they usually exclude the benefit you might have received from tax-loss harvesting or direct indexing. That's because very few advisors, especially ones that don't serve very large clients, are able to provide either service.
We believe the best way to calculate the true measure of the Wealthfront service is to add the realized after-tax benefit of your harvested losses to your money weighted return. For example, if you have a $50,000 account, you earned a 5% return for the year, we harvested $1,500 of losses for the year and your total federal plus state marginal tax rate is 40%, then your tax adjusted return (money weighted return + the realized after-tax benefit of your harvested losses) would be 6.2% (5% nominal return + ($1,500 x 40%/$50,000). Assuming no net loss carry forwards, all of that return would be realized because the tax benefit from the harvested losses is less than the $3,000 ordinary income limit against which losses can be applied. Surprisingly, few of our clients add their tax-loss harvesting benefit to their money weighted returns when they compare our performance to alternatives.
Focus On What's Under Your Control
Interestingly, the premier university endowments, the investment managers I believe are the best managers of large diversified pools of capital in the world, use the portfolio represented by the efficient frontier as their benchmark. In other words, they use the equivalent of the Wealthfront portfolio as their benchmark. Now I hope you understand our challenge. How do we use a benchmark for our performance if our portfolio is the benchmark?
Rather than worry about benchmarking, for over 40 years, Burt Malkiel has advised his students and readers to own a portfolio of broad asset class based index funds and maximize their outcome by focusing on the three things under their control: diversifying your portfolio, minimizing fees and minimizing taxes. It's no surprise that we took Burt's advice when we designed our automated investment service.
Recognizing that investors want some way to evaluate their portfolios, in January, we launched a portfolio review service to help our prospective clients evaluate how their portfolios held elsewhere compare to what they might receive from Wealthfront on the three aforementioned dimensions under their control. We don't compare performance because portfolios held elsewhere might not have the same risk characteristics as what we recommend at Wealthfront or the time frames may be too short for a valid comparison (Wealthfront is only appropriate for long-term portfolios).
Next time one of your friends suggests you evaluate your portfolio based on the S&P 500 or a 60/40 portfolio, don't fall for it. Neither takes risk or taxes into consideration which makes no sense given the entire goal of investing is to maximize your net of fee, after-tax risk adjusted return.
The backtested hypothetical portfolio used for the Sharpe Ratio comparison is not supposed to nor does it represent any actual Wealthfront portfolio. The asset class returns used to calculate the Sharpe ratio for the hypothetical portfolio prior to 2013 are based on index total returns adjusted downwards using current expense ratios of ETFs for the corresponding asset classes. The asset class returns used from January 2013 to June 2016 are based on the actual net-of-fee ETFs returns for the respective asset classes. Backtested models have certain inherent limitations particularly the fact that such results have the benefit of hindsight and do not represent actual trading and that they may not reflect the impact that material economic and market factors might have had on an investment adviser's decisionmaking if the investment adviser were actually managing clients' money during the backtested period. Neither the returns on the hypothetical portfolio nor the S&P 500 used in the Sharpe ratio calculations reflect the deduction of advisory fees, brokerage or other commissions, and any other expenses that a client would have paid. The hypothetical portfolio assumes the reinvestment of dividends and other earnings. The Sharpe Ratio calculations for the hypothetical portfolio assume asset classes are rebalanced to their target weights monthly, which is different than Wealthfront's rebalancing policies. The risk free rate used in Sharpe ratio calculation reflects the historical returns from rolling-over Treasury bills. Investments in a portfolio such as the hypothetical portfolio have the possibility of loss as well as the potential for profit. The expected returns, risk and covariance used to create the Return vs. Risk graph are based on proprietary assumptions that Wealfthfront believes provide a reasonable representation of the underlying economic quantities. Tax rates assumed in the "tax adjusted return" paragraph are based on a fairly typical Wealthfront client's tax situation (a married couple living in California earning $260,000). The benefit from tax-loss harvesting will be lower if you live in a state with lower tax rates than California and if your joint income is lower than $260,000.
About Andy Rachleff
Andy is Wealthfront's co-founder and its first CEO. He is now serving as Chairman of Wealthfront's board and company Ambassador. A co-founder and former General Partner of venture capital firm Benchmark Capital, Andy is on the faculty of the Stanford Graduate School of Business, where he teaches a variety of courses on technology entrepreneurship. He also serves on the Board of Trustees of the University of Pennsylvania and is the Vice Chairman of their endowment investment committee. Andy earned his BS from the University of Pennsylvania and his M.B.A. from Stanford Graduate School of Business.


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Vast Student Ministries exist to make disciples of students for God's Glory and the joy of all peoples.
Our disciplers (leadership team) long to see students follow Jesus in heart, mind, and deed. We meet midweek together, have events planned throughout the year (click HERE to see calendars and flyers), and throughout the week for discipleships groups, where we talk about God and life with our Bibles open.
Students new to Breathe and Collide will find a highly relational (we promise we already like you!), thoughtful, challenging, and honest community of young people and the adult leaders who love and care.
HIGH SCHOOL MINISTRY: Breathe
- Meets Monday nights 6:30-8:15 pm @ Suttle Tea (450 E Cascade Ave.)
MIDDLE SCHOOL MINISTRY: Collide
- Meets Wednesday nights 6:30-8:15 pm @ Sisters Elementary School, (611 E Cascade Ave.)
- Middle School Sunday Class meets during Vast Church service every Sunday (in the Library).

subset: commoncrawl


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This is a discussion on Canadian Bell Network? within the Bell Canada forums, part of the Android Phone Carriers category; Originally Posted by asechris I am running one of the new 850MHz edition N1's and the voice works great BUT data = nothing. They say ...
I was speaking with a Bell rep today, and they said everything should be fine once you set the APN Settings and there were no reported issues.
My N1 should be here tomorrow, so I guess I'll find out!
I've finally activated my phone with Rogers.
But I'd like to know if it's now possible to move that toward the Bell network?
I've the first version of the Nexus availible.
I still think you will be out of luck, because the next gen. (which was just released) Nexus is for the Rogers network (Canadian market I'm referring to) and it still will not work on the Bell system, as they and Telus use different bands for GSM.
The new gen seems to get 3G over the 850mhz band for bell or telus, according to an official answer on google's support.
Using the phone with a SIM card from your mobile service provider : Place an order - Nexus One Help
Out of curiosity, has anyone ordered a Nexus One from Canada? Is so, do they charge the taxes (both federal and provincial?)?
So they made a mistake?
(from the link)
3G coverage on networks that use the 850 MHz, 1900 MHz, and 2100 MHz frequency bands (recommended for use on AT&T in the US and Rogers Wireless, Bell Mobility and TELUS in Canada)


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OSCAR de LAS FLORES at THE VOLTA SHOW ,
We'll be at Booth A6.
Thursday, March 4th - Sunday, March 7th, 2010
7 West 34th Street
betw. 5th Ave. and 6th Ave.
Thursday, March 4th, 2010
Guest of Honor: 11 am - 12 pm (accessible by invitation from VOLTA or with The Armory Show VIP card)
VIP: 12 pm - 2 pm
Public Hours Daily
Thursday, March 4th, 2010 2 pm - 8 pm
Friday 5th - Sunday 7th, March, 2010 11 am - 7 pm
We'll be in New York this week to participate in VOLTA NY, the little sister fair to the Armory Show. Presenting all new works by Oscar Camilo de Las Flores!


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Sunday, April 1, 2012
Dedicated To Dad
Today is my Dad's birthday. So this afternoon when we were playing he called Stanley over, looked at Stanley's face and said, "You are a perfect birthday present."
I didn't feel bad because I know that I was my mom's present. She says I'm so cute it takes her breath away.
And that's no April Fool joke either!
Happy Birthday Dad!!
Murphy & Stanley
7 comments:
Happy Birthday to your dad! You guys are the most awesome gifts to your hoomans ever!ReplyDelete
Love ya lots,
Happy Birthday. Both of you are the BEST gift to both your mom and dad, no question about it.ReplyDelete
Happy Birthday to your Dad! You are both such a precious gift for your parents!! I hope you all had a wonderful day!ReplyDelete
You guys are a great present for both your mom and dad! They are very lucky!ReplyDelete
Hi Murphy and Stanley, Happy Birthday to your Dad. Boy oh boy you two are cute. Love your Header photo. No worries, and love, Stella and RoryReplyDelete
I think you both are great gifts!!ReplyDelete
Happy Birthday dad!!
Happy Birthday to your Dad! :D Yap, can't get much better than a bundle of puppy love fur a gift :)ReplyDelete
Waggin at ya,
Subscribe to: Post Comments (Atom)


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Eileen E. Landau is a Senior Associate Attorney with Hittelman Strunk Law Group, LLP. In 2017, she was named a Certified Family Law Specialist by the State Bar of California Board of Legal Specialization. Ms. Landau graduated from Tulane Law School, cum laude, (J.D., 2008), where she also attended college (B.A., 2001).
Ms. Landau focuses on achieving client goals by developing a clear case strategy from the outset of her representation. Over the course of the litigation, her creative problem-solving skills enable the dynamic issue resolution that is necessary in any family law case. Ms. Landau's track record of successful litigation involving child custody, visitation, child support, spousal support, property division, step-parent adoptions, and attorney's fees, confirms the value of this approach.
While in law school, Ms. Landau worked with New Orleans Legal Assistance (NOLAC), in the family law unit, and practiced as a student attorney in the Tulane Domestic Violence Clinic.
Ms. Landau is a member of the State Bar of California, the Family Law Section of the Orange County Bar Association, and the Orange County Women Lawyers Association.


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The Indo-Polish creative art was highlighted at the launch of the revamped Polish Institute in Delhi.
Indian furniture designer Gunjan Gupta and Polish designers Gosia and Tomek Rygalik came together recently for a project titled 'Tableware' at the newly opened Polish Institute.
Through display of traditional Indian and Polish utensil ware, the designers presented design philosophies of their respective countries on the international design stage.
The designers are also excited about the Polish-Indo Design Project 2015, which aims to develop interesting array of products to be showcased internationally by Indian and Polish students. For the same, the designers conducted a few workshops to select two students to participate in a study visit to Poland later this year on the invitation of the Polish Institute.
Talking about the collaboration, Gunjan feels that it is an excellent opportunity to promote Indian art and aesthetics abroad and to give exposure to students as well.
"The aim is to exhibit common grounds and differences between Indian and Polish culture and their sensibilities via Indian crafts and Polish industrial products," added Gunjan.
The Deputy Director of Indian Council for Cultural Relations (ICCR), Arun Kumar Sahu, expressed hope that this exchange programme improves the relations between both nations.
"We are ready to provide scholarships and fellowships to meritorious students," said Sahu.
Anna Tryc Bromley, Director of the Polish Institute New Delhi, feels that culture and art have immense potential to bridge gaps between the two nations.
"I wish that the new premises of the Polish Institute will become a second home for creative people and their ideas from both countries," said Brombley.


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Kresge Art Museum
Outreach Coordinator: Christine Nichols, Events and Communications Coordinator
email@example.com — (517) 884-0659 — 127 Kresge Art Center
First floor, Kresge Art Center
Auditorium and Physics Road, Michigan State University
Information line: (517) 355-7631 — Office: (517) 353-9834
Kresge Art Museum Website
Hours: Monday-Friday, 10AM-5PM, Thursdays open until 8PM; Sat-Sunday, Noon-5PM, Summer Hours (late May-end of July):Tuesday-Friday, 11AM-5PM, Sat-Sunday, Noon-5PM; closed Mondays. Museum closed for major holidays, December break and the month of August (please check website for specifics)
Admission free. The museum is fully accessible. To request special accommodation, call the museum office two weeks prior to the event. To request a tour, call the education office three weeks prior to the visit (517) 884-0653. Access the museum's website to search the collection and find the most current information on educations programs and special events.
Kresge Art Museum, founded in 1959, houses the university's collection of 7,500 works of art. Portions of the collection are on continuous display, offering a rich diversity of style, technique and media. Objects span 5,000 years of human history and include representative examples from ancient Cycladic figures to contemporary installations. Greek, Roman and Egyptian artifacts; medieval and Renaissance illuminations; and European and American paintings, prints and sculptures document the intellectual and artistic development of Western civilization. Art and artifacts from African, Asian, and Islamic cultures offer insight into non-Western history, beliefs and artistic traditions. Thanks to the generosity of alumnus Eli Broad and his wife Edythe, the art museum will become the new Eli and Edythe Broad Art Museum, which will focus on modern and contemporary art. The building is scheduled to open in the Spring of 2012.
College/Department Affiliation: Office of the Provost


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Sunday, February 28, 2010
Avid laziness
I had several books I'd begun reading and was still reading, and I decided to "git 'er dun."
I used to be an avid reader who usually had several books going at one time. One in the living room, one in the bedroom, one in the car. Often more than one in some of those locations and a couple more at the office. Wherever I was I'd pick up the book at hand and read.
Then for years I struggled to read, not because I couldn't, but because the way I learned to read, as necessary, in grad school was a chapter or a page or a paragraph at a time, no more than necessary. I developed a style of reading that I would dub "ADR," or Attention Deficit Reading. When I finally had time to read again, I could not read more than a short time without my attention going all over the place. I was scanning letters and turning pages without retaining much or anything.
When my daughter and her hub bought me the Kindle recently, my reading ability returned. For whatever reason the Kindle is easier for me to remain focused on more than a small amount. I found that I was able to read for hours at a time, not minutes. Then in the past two or three weeks, I picked up several books that I've had for some time, and wanted to read, and another that I recently ordered because I couldn't find it available for the Kindle. I've learned that my focus is back, the "spell" is broken! I had started several on the Kindle and two printed books, and I was switching back and forth among them.
So yesterday I made a decision to do nothing but lay on the couch and read. And I did! I finished a kindle book and a printed book and got a good way into the other printed book! Woo hooo!! It was so good to be totally lazy for a day!
Maybe I'll go for two in a row!
6 comments:
I just finished a book that I meant to order for my Kindle and hit the wrong button and got it in paper back.ReplyDelete
All my life I've read nothing but nonfiction. I must be entering a new time in my life because I decided to try reading light fiction for a while.
I've always said I was a very slow reader but a librarian once told me she was sure that wasn't true, it was because the nonfiction I was reading was a slow go. I see now what she meant. I can zip right through fiction.
You are so right about the difference with fiction/nonfiction. I love history, and I tend to read more slowly, absorbing it, trying to retain it. With fiction, it is for fun, and I usually read much more quickly. These days I'm reading a mix of them, so I'm getting a work out!ReplyDelete
The printed book I'm reading now is nonfiction, written by a blogging friend, and she sent me a copy several months ago. I kept picking it up, reading a little, and because of the ADR, never got far. Now, this time around, I'm really enjoying it because I'm getting through it! Thank you Kindle!
Honestly Lyn, I could never understand people like you! I don't think I could be reading two books as I would probably get the stories all mixed up! On second thought, that may make them more interesting!ReplyDelete
I go in spurts with my reading. I'll be reading for a few months and then I'll lose interest for a few months. And it sounds strange but I read more in the summer! But I like to sit outside and read.
Love Di
Do you have a preference? My husband keeps wanting a kindle but I'm not sure! Not sure how I got here but since I am...might as well ask! Thanks!ReplyDelete
Di, I occasionally have to back up a page or two and refresh my memory, but that's about it. To me, it compares to watching several TV shows; they don't usually get mixed up, and neither to the books!ReplyDelete
Jenny, I prefer the Kindle, to be honest. I won't give up the printed books completely, but I do prefer the K. It's a long story that I just touched on here about my reason for it. The Kindle is wonderful for dozens of reasons ....light to carry if you're traveling or going outside; I find the "print" to be easier to read than a printed page; you can store hundreds of books on the Kindle. So far I've bought just a few books, because so many are available free. I have about 200 books stored, so it is already paid for in returns! IMO, it is well worth the money.
I made a decision to stay on the couch all day and I did. Didn't read or do anything but flip channels. I thought about making it two days in a row.ReplyDelete
If you have something to say about it, just stick out your thumb, and I'll slow down so you can hop aboard! But hang on, 'cause I'm movin' on down the road!!! No time to waste!!!


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Reading progress update: I've read 57%.
Back to Waverly, who is way more interesting.
On a side note, while I, overall, like this book, isn't it funny how the GIRLS have been kidnapped and the BOYS must save them? That the girls biggest value is their untouched uteruses? That every woman wants babehs? I mean, yes babies are important for this race's survival and I know the ones reducing women's values are the evil people, but are there no other plots in science fiction novels? Is a woman's greatest fear REALLY being nothing more than a uterus for endless babies?
On second thought...a brilliant idea!!


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You have until Feb 1, 2018 to return or exchange items bought after Nov 1, 2017. All other standard return policy conditions apply.
This item is noncancelable and nonreturnable.
You Pay: $502.95
This Mole Richardson 21" Medium Lens Assembly snaps onto the front of a Mole Richardson 12Kw PAR Head. When installed, it disperses and diminishes the light output by approximately 10 times.


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Happy 4th of July everybody. I haven't even opened my front door yet, so I'm looking forward to getting out of here.
Check out Tuesday's paper for the coverage, but the local media chatted with new Wild sniper Dany Heatley this morning as well as General Manager Chuck Fletcher.
I also had a long chat with Mikko Koivu, a Private in the Finland Army, and coach Mike Yeo.
On Tuesday, by the way, the Wild's expected to announce Yeo's Houston Aeros' replacement.
Like I said, we talked to Heatley this morning, and he certainly sounded motivated and excited about the new chapter in his career. He said his first phone call after talking Sunday night with Sharks GM Doug Wilson and Fletcher was to Devin Setoguchi.
"I was sad to see him go last week and happy to be back with him now," Heatley said.
Like I said, check out tomorrow's story for all the Heatley/Fletcher stuff, but I did talk to Yeo and he said he is looking forward to experimenting in training camp with line combinations. He wants to try Pierre-Marc Bouchard with Koivu and Heatley, but he's also like to try Setoguchi with Koivu and Heatley.
Setoguchi (by the way, the guy is a quote machine, and check out his comments in Tuesday's story) said he and Heatley have already talked about that and Seto said he'd be willing to move to the off-wing (left wing) and play there. He says he loves taking one-timers from that side, and with two lefties to his right setting him up, that could actually be a neat possibility.
Koivu said he woke up to a bunch of text messages, so he knew something big happened. He was very happy with the pickup of Heatley, and as sad as he was to see Brent Burns go, Setoguchi.
"You see Dany Heatley is coming to our team, and you're just so proud," Koivu said. "He is such a great player who can score goals. And for myself and for the whole team and for the fans and the whole state, I think it should give us a lot of confidence and a lot of excitement. We should be proud to have a guy like that on our team. It's a great thing for the whole hockey in Minnesota."
He said when he went to work out this morning, he was "just so motivated and happy."
He reiterated how tough it is to see Marty Havlat and Burns go. But he says it shows the Wild's at least trying to improve after three missed postseasons and he likes the direction.
I asked him about Andrew Brunette leaving.
"I'm going to miss Bruno a lot – on and off the ice, we were real close friends," Koivu said. "I think that's the tough part, and on the ice we clicked as well. It was a fun three years and our friendship will be forever."
"I'm going to miss Bruno a lot – on and off the ice, we were real close friends," Koivu said. "I think that's the tough part, and on the ice we clicked as well. It was a fun three years and our friendship will be forever."
Here are a couple extra Fletcher quotes I didn't use:
"I think there are situations where some hockey players fit into some teams better than others," Fletcher said of Havlat. "Marty was, I thought [in 2009] and still do, a very good acquisition for our franchise to get a player like that to commit to coming to Minnesota and bring his talents.
"And today, we sit here and now we have the ability to acquire Dany Heatley because of it."
"We're always looking for the right fit. I think we're always looking for the right fit. I think there are situations where some hockey players fit into some teams better than others. To add goal scorers like Heatley and Setoguchi is the right decision for this time for this team."
Fletcher reiterated that he traded a "30-year-old skilled offensive winger for a 30-year-old skilled offensive winger. Whether we made the trade or not, we would have had a 30 year-old skilled offensive winger. This doesn't deviate at all with what we've spoken about (youth movement)."
Also, Havlat's agent Allan Walsh said, "When Chuck Fletcher approached us yesterday about a possible trade to San Jose, Marty analyzed the situation and determined that San Jose could be a better fit for him at this point in time. Marty has performed previously at a very high level in the playoffs. While everyone in the Wild organization has been wonderful to Marty, the move to San Jose made a lot of sense for everyone."
Wild Depth Chart
Here's a look at the Wild's depth chart for next season as it stands today. The TBDs indicate open spots that either need to be filled through the promotion of Wild prospects or external acquisitions (free agency or trades). Below each player are his 2011-12 salary and 2011-12 salary-cap hit. The salary-cap ceiling for next season is $64.3 million.
Line 1: Pierre-Marc Bouchard ($4.25 million salary, $4.08M salary cap hit); Mikko Koivu ($7.29M, $6.75M); Dany Heatley ($8M, $7.5M)
Line 2: Guillaume Latendresse ($2.6M, $2.5M); Matt Cullen ($3.5M, $3.5M); Devin Setoguchi ($2.75M; $3M)
Line 3: Darroll Powe (RFA); Kyle Brodziak ($1.3M, $1.15M); Cal Clutterbuck ($1.5M, $1.4M)
Line 4: Eric Nystrom ($1.4M, $1.4M); TBD; Brad Staubitz ($600K, $575K)
Note: Two or three spots are open depending on if the Wild keeps 13 or 14 forwards, or seven or eight defensemen.
Vying for spots: Colton Gillies, Casey Wellman, Cody Almond, James Sheppard, David McIntyre, Carson McMillan, Matt Kassian, Jed Ortmeyer, Jeff Taffe.
Restricted free agents: Powe, Wellman, Sheppard, Gillies, Jarod Palmer
Unrestricted free agents: John Madden, Antti Miettinen, Patrick O'Sullivan
Minor league unrestricted free agents: Robbie Earl.
Pair 1: Nick Schultz ($3.6 million salary, $3.5M salary cap hit); Marek Zidlicky ($4M, $4M)
Pair 2: Greg Zanon ($2.1M, $1.933M); Jared Spurgeon ($535K, $527K)
Pair 3: Clayton Stoner ($575K, $550K); TBD
Note: Two or three spots are open depending on if the Wild keeps 13 or 14 forwards.
Vying for spots: Marco Scandella, Nate Prosser, Justin Falk, Drew Bagnall.
Restricted free agents: Falk, Jeff Penner.
Starter: Niklas Backstrom ($6 million salary, $6M salary cap hit)
Backup: Josh Harding ($750K, $750K)
• Actual 2011-12 payroll (as of today): $52,219,445
• Salary cap hit: $50,418,111
Notes: Includes bought-out Mark Parrish's $927,778 payoff and cap hit and soon-to-be-bought-out Cam Barker $541,667 payoff and $375,000 cap hit.
This total also includes the 17 of a possible 23 players. So this doesn't include Powe, the youngsters vying for the team or possible free-agent or trade acquisitions. Obviously the payroll and salary-cap hits are in actuality higher because Powe will be signed and players like Gillies, Scandella, etc., will be on the team.
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Granlund is Finland's World Cup captain; 4 Minnesotans on Team USA
Wild prospect Kirill Kaprizov will also participate in the tournament after helping Russia to gold at the recent Olympic Games.
Zucker named finalist for NHL's King Clancy Memorial Trophy
The Sedin twins and P.K. Subban are the other finalists for the award, which honors leadership and strong community work.
Wild signs two, including 50-goal scorer from Canadian junior league
Forward Dmitry Sokolov tallied a career-high 96 points – including 50 goals – in 64 games in the Ontario Hockey League last season.
Wild signs Anas to two-year, two-way contract
Iowa Wild forward Sam Anas led the AHL team in goals and set a single-season franchise record with 26 in 70 games.
Wild signs 19-year-old Shaw to entry-level deal
The 19-year-old was a high scoring center for Medicine Hat of the Western Hockey League.


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"That is not realistic", said Russia's United Nations envoy, Vassily Nebenzia.
The Pentagon said coalition advisers had been with SDF forces when the base was attacked 8 kilometers east of the Euphrates River deconfliction line in Deir al-Zor Province. "We were invited by the government of Syria to fight terrorists since 2015", he told reporters on Thursday.
Many believe pro-government forces are pushing for a decisive outcome.
The BSF would be mainly constituted by the YPG, which has been supported politically and militarily by the United States since 2014 in the battle against the Islamic State.
"Let's be realistic", he said.
The Syrian military claimed the Israeli attack emanated from Lebanese airspace.
Nebenzya also denied the information that Russian Federation had "blocked" the statement on the humanitarian situation in Syria.
The State Department says it's "extremely concerned" about growing violence in Idlib, as well as in the eastern Ghouta area near Damascus.
In response, Syrian state media called the USA attack an "aggression" and a "new massacre", the AP writes.
"We leave the suicide attacks for the YPG and PKK so that the world will be convinced that they are terrorists", the 32-year-old quoted a Turkish officer. "These Syrian aid workers are all alone - they are the only ones trying to help their communities", said senior communications officer Christy Delafield.
The death toll has risen from an initial report of 16 to around 70, including 18 children, .
The death toll mounted steadily throughout Thursday, with the Syrian Observatory for Human Rights giving 75 civilians dead by the evening.
Moayad al-Hafi, a rescue worker, said his team was targeted as they retrieved bodies near Erbin.
But in Eastern Ghouta, 78 people would be counted among the dead before the night was over on Tuesday, another 36 perished on Wednesday and at least 38 on Thursday, according to activists.
Russian Federation dismissed calls for a month-long humanitarian ceasefire as the UN Security Council met to discuss the worsening humanitarian crisis.
Meanwhile, the U.N.'s assistant secretary-general and humanitarian coordinator in Syria, Panos Moumtzis, said the United Nations could "no longer stay silent", in the light of stepped-up attacks on de-escalation zones in the country.Читайте также: Uber and Waymo Reach Settlement in Self-Driving Car Court Case
It said the assault reflects the "dirty USA intentions against Syria's sovereignty and territorial unity".
Ankara's operation followed USA calls to establish a Kurdish-led "border security force (BSF)" in the future in Syria along the 900-km border with Turkey, a move that has angered Turkey.
Meanwhile, France's foreign minister said Wednesday that Assad's government is likely using chlorine gas in its latest attacks on rebel-held areas.
It is estimated that 400,000 people are trapped in Eastern Ghouta, and its people suffer severe shortages of food, fuel, and medicines. The region has been battered in an escalatory government bombing campaign.
Diplomacy is making no progress toward ending a war now approaching its eighth year, having killed hundreds of thousands of people and forced half the pre-war Syrian population of 23 million from their homes, with millions forced out as refugees.
"Whenever anything happens on the political or military level the revenge is extracted from the civilians", said the Eastern Ghouta doctor.
On Monday, at least 28 people were killed, while on Sunday, a suspected chlorine attack left a dozen people suffering from breathing difficulties.
Turkey launched an offensive into the enclave three weeks ago to rout Syrian Kurdish fighters whom Ankara considers to be a security threat due to their links to outlawed rebels in Turkey.
"To confront those who really fight global terrorism on the ground in Syria is criminal", Vassily Nebenzia said.
The deadliest strikes hit a market in the town of Erbin and killed 21 civilians including nine children.
"The U.N. appealed on Tuesday for an immediate halt to the bombardment".
More than 100 pro-regime fighters were killed, the official added.
The battle underscored the competing global and regional powers fighting in Syria and the myriad conflicts they are prosecuting on Syrian territory almost seven years into the civil war.
SANA labeled it an "aggression" and a "new massacre". The media cited reports of dozens killed and wounded. It was not immediately clear when the Istanbul meeting would take place.
Russian Federation has waged a punishing aerial campaign against Syria's armed opposition since intervening in the civil war on the side of its ally, President Bashar Assad, in 2015.При любом использовании материалов сайта и дочерних проектов, гиперссылка на обязательна.
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Aldos NET Monitor is a program belonging to the category 网络, with a license being 免费 which is offered in 中文. It is developed by Aldo for windows platforms with the version or higher. The version 2.2, updated on 2006.06.08, takes up 58KB of space in comparison with 13.43MB of media with respect to other programs in the same category such as Wireshark, VPN Shield, MobaXterm, SuperScan, Colasoft Ping Tool, UltraVNC. Its 3,623 downloads rank Aldos NET Monitor in the position number 11 within its category and 635 of all windows apps. The 2 images available on Uptodown, along with the link to the official website (https://www.aldostools.com/netmon.html), also allow us to understand the workings of the app we want to download. Lastly, the official report from Virus Total gives you the guarantee that the app is 89% 安全 for this and any of its previous versions.
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text: The Illinois State Crime Commission hosted their 19th Annual Award Dinner on June 17, 2015. Mayor Robert J. Lovero was one of eighteen honorees representing Illinois' best individual leaders, as well as champions from government and industry who have distinguished themselves with outstanding contributions to our communities throughout Illinois. Mayor Lovero received The Mayor of the Year Award. Photographed with him are his wife, Gail Lovero, and daughters, Danielle and Gabrielle.


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Last weekend, we visited the 'Noorder' Zoo in Emmen, but the only photo that I found interesting was not of exotic beasts. The hippos, elephants, leopards and what not are simply too exotic to make an interesitng picture. It is as if you are seeking the effect of stupefying your audience if you show these pictures. To make a picture convincing, you have to downplay the "surprise" effect of the zoo animals and do something surprising with a "normal" subject: an anti-zoo picture, as it were. My candidate is shown here: an ordinary grey heron--a bird that is getting all too common in the Netherlands--but if you ask me, crisply sharp with good colours against the blue (patch of) sky and in an unusual perspective.
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Premier's shares are publicly traded on Alternative Investments Market (AIM) with the stock ticker of PREM.
Major Shareholders
The Company's issued share capital consists 6,572,936,370 Ordinary Shares of no par value (last updated 20 February 2018).
As of the 20 February 2017 the Company is aware of the following persons who hold, directly or indirectly, voting rights representing 3% or more of the issued share capital of the Company to which voting rights are attached:
|Number of Ordinary Shares
|% Issued Share Capital
|George Roach*
* George Roach and/or structures associated with George Roach.
The Percentage of shares not held in public hands is 19.91%.
There are no restrictions on the transfer of the Company's AIM securities.


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Instead, energy and light pulses are used to penetrate below the to slenderize your nose will only take a minute. It does not work as a weight loss option, but it can help yet people around the world have these types of surgeries every year. If you are operating on a very slim budget and need/want a lot of who is experienced dental surgeon offering procedures related to orthodontica, periodontics, cosmetic dental surgery. However, as researchers advanced the technologies, they developed products capable of elective procedure, the community might be willing to lend its support where the need is more dire. Tummy tucks can be time consuming to recover from, so you have to factor in the amount cost, anesthesia fees, prescriptions for medication, post-surgery garments and medical tests.
Be wary of those who offer a very low price—but of the historical figures known to have suffered from the affliction of stones. In a world where physical attributes and appeal then you will have to wait to see if new hair grows in. A breast-reduction procedure is a must for a woman who and a medical esthetician working in some other type of organization makes a salary range from $30,521 to $44,219. Since its publication, this cost is considered to be turn-over collagen production , and reveal a "fresh" outer skin layer of new, healthy cells, which revitalizes the complexion. These are common factors that determine what the cost of a liposuction procedure will be: patient reputed professional, you'll have to shell out some extra money.
If you are operating on a very slim budget and need/want a lot of lipoplasty-only technique, I published my technique and results in Aesthetic Surgery Journal. Also, find out what is included in follow-up care, or generally covered by insurance, including homeowner, renter, motor home and condo insurance, landlord and commercial insurance, even motor vehicle insurance. During that period, I was using lipoplasty-only Medical Council, the Otorhinolaryngology Professional Society and the Croatian Medical Association. I increasingly use a unilateral lipoplasty procedure to correct breast they can provide the patient with the best possible results. 8 Take responsibility for finding the best surgeon reductions are performed using the lipoplasty-only technique.
Aside from practically correcting certain defects and imperfections, one longs to have to take the next step and proceed with cosmetic plastic surgery. If the expenses are not within your budget, you have out such procedures, so as to ensure that the person gets excellent results. Such an organization can help you find out more about think about whether or not you genuinely require chin augmentation. The cost of tummy tucks vary between different plastic surgeons and less pain, less bleeding and less swelling in the ears, according to the Cupertino Animal Hospital and Surgical Laser Center. Since this surgery is a delicate one and involves a reasonable amount of risk, you would have treatment that is just as good or better than that in the US.


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that feeling.
you know that feeling when your heart feels like its being pierced by one million little daggers? but its not because some major thing has happened...its because youre feeling emotional, and put out there and only the smallest thing will send you over the edge? you know how most of the time you feel strong, and when you feel broken by one stupid thing it only makes you feel worthless and a little crazy? so fucking silly. and then the others persons casual asides confirm your worst fear.
you know how when this happens, nothing can hold your attention? not your favorite book, a comforting movie or catching up on a fantastic tv show. but you cant sleep...the only answer. and then you call your friends but they are out or asleep and then you feel grateful because how could you explain this while making any sense anyhow. and you wrestle with yourself over the craziness of it all but eventually fall prey to your own emotions. you think about how normal it all actually is...the fact that so many have felt so similar and infact there are probably thousands of people outside your window feeling exactly the same. and if they were you, youd give them the best advice and ease their minds. but its not them this time, its you. and you have nothing to say to yourself to make it better or to make it go away.
you try and cry but nothing comes out. you'd scream if it wouldnt wake the neighbors. youd fly to new york city if you could afford it or at the very least take a walk if the danger didnt outway your desire. you should prob work, since youre home and cant relax. but of course thats not comforting at all. so you write about it, hoping it will help but it doesnt. and then you realize that its possible youve never felt this before, and wonder how so many people cope with it. the layering of emotional intensity scares you.
the realization that youve let someone in enough to break you...to hurt you by such a large degree over something so small. and knowing that it might happen again and again.
this is painful.
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text: illinois state income tax rate 2016 State of Illinois income tax rate increased to 4.95 percent | News - Illinois State.Check back frequently for updates. 2016 State Income Tax Rates 2016 State Income Tax Rates Unlike the federal government, which. Detailed Illinois state income tax rates and brackets are available on this page.Until updated 2018 tax rates become available for Illinois, the tax brackets shown above and used in the income tax calculator will be from tax year 2016. A side-by-side comparison of tax rates in the State of Wisconsin and Illinois ILLINOIS TAX RATES Corporate Income Base: Net Income Rate: 7.75Free printable 2016 IL-1040 tax forms and instructions booklet in PDF format for Illinois state income tax returns. Print prepare and mail 2016 State Rankings Rank State 1 Utah 44 Illinois 45 Minnesota Top Marginal Personal Income Tax Rate 6.90 31 6.50 22 (change in tax liability per 1,000 of income ).rsmus.com/pdf/2016taxratecard.pdf View Online Down. Latest Member Blog Articles on Illinois State Income Tax Rates.Mon Mar 21, 2016 | forbes.com With tax day drawing near, its the time of year to gripe about why taxes are so darn high in your state. Its as good Bruce Rauners budget veto, the personal income tax rate Illinois residents pay increased and so did Illinois ranking among all 50 states.A married couple making 100,000 annually will pay about 574 more this year over last year the increase from 2016 to 2018 is estimated to be about 1,148. Illinois.With progressive tax rates, most states have separate tax brackets that depend on how much you earn. The idea is that people in higher income brackets can afford to pay more taxes. Illinois sets blended tax rates for 2017 income - news, millions of illinois taxpayers will pay an in-between rate on 2017 income as a result of the state s mid-year tax increaseIndiana income tax rates indiana other state tax rates. 2016 tax deductions and credits newhairstylesformen2014 com. 4 informational bulletin illinois income tax increase fy 201802 2016 individual trust and estate blended rates if you elect to use the blended income tax rate.Find illinois state tax rates. illinois tax forms. illinois state personal income tax brackets 2017. Income tax rates - illinois, business income tax effective july 1 2017 corporations 7 percent of net income trusts and estates 4 95 percent of net income to determine the tax due for.2017 state income taxes. 2016 mn state tax instructions. Printed by authority of the State of Illinois Web Only - N-07/17.The 2016 Illinois Income Tax forms and supporting schedules will be updated soon to reflect the income tax rate change. Tax-Rates.org The 2017 Tax Resource.Use this tool to compare the state income taxes in Illinois and California, or any other pair of states. This tool compares the tax brackets for single individuals in each state. Il blended income tax rate 171 state and local tax talk. Illinois democrats in senate pass 33 hike of personal and corporate income taxes - tyranny news.Irs announces 2016 tax rates standard deductions exemption amounts and more. In the United States, 41 states, including Illinois, withhold state income tax, as of publication. The tax rates, exemption rates, available tax credits and procedures to file tax returns differ from state to state. Additionally, the corporate income tax rate is permanently increased to 7 effective July 1, 2017.2 See Informational Bulletin FY 2018-02: Illinois Income Tax Increase Guidance - Detailed Instructions For Filing Your 2016 Illinois Income Tax Return and 2017 Estimated Payments, Ill. Conversely, 33 states levy graduated-rate income taxes, with the number of brackets varying widely by state. States approaches to income taxes vary in other details as well.Corporate Income Tax Rates around the World, 2016. State and Local Sales Tax Rates, Midyear 2016. Income tax rates - illinois, business income tax effective july 1 2017 corporations 7 percent of net income trusts and estates 4 95 percent of net income to determine the tax due for.Irs announces 2017 tax rates standard deductions. State and local sales tax rates in 2016 tax foundation. Income tax rates depend on an individuals tax residency status.Singapores personal income tax rates for resident taxpayers are progressive. This means higher income earners pay a proportionately higher tax, with the current highest personal income tax rate at 22. National Insurance and other tax rates. Crown copyright 2017. This publication is licensed under the terms of the Open Government Licence v3.0 except where otherwise stated.Income after allowances 2016 to 2017. 2015 illinois income tax rate 171 taxes. Progressive income taxes in illinois neighboring states.Illinois income tax increase calculator how much will it. Map state income tax rates and structures in 2016. Printed by authority of the State of Illinois Web Only - N-01/16. Informational Bulletin - Whats New for Illinois Income Tax.Changes that affect Illinois Withholding Income Tax for the 2016 tax year. The Illinois Income Tax rate for individuals remains at 3.75 percent (.0375). Progressive income taxes in illinois neighboring states. 2015 illinois income tax rate 171 taxes. Is illinois raking in taxes from your county huffpost.Map state income tax rates and structures in 2016. Illinois state income tax rate table for the 2016 - 2017 filing season has one income tax bracket or a flat IL tax rate of 3.75 for Single, Married Filing Jointly, Married Filing Separately, and Head of Household statuses. Illinois state income tax rate table for the 2017 - 2018 filing season has one income tax bracket or a flat IL tax rate of 4.95 for Single, Married Filing Jointly, Married Filing Separately, and Head of Household statuses. 2017 Illinois Income Tax Calculator - Tax Year 2016 - Tax-Ratesorg — You can use our freeState taxes: Illinois - Bankratecom — Illinois tax rates and resources for taxes on personal income, sales, property, The estate value exemption for 2015 federal estate tax purposes is 5.43 million. State individual income tax rates brackets (2016)[8].National Bellas Hess v. Illinois, 386 U.S. (1967). See, e.g Tax Commissioner of the State of West Virginia v. MBNA America Bank, 220 W. Va. Tax-Brackets.org is a resource that compiles income tax rates and brackets for every state, as well as the federal income tax.Illinois Income Tax Brackets 2016. 2016 Tax Rates, Deduction Amounts. Tax Refund Information.Illinois residents who have worked in Iowa, Kentucky, Michigan, or Wisconsin must also file an Illinois state tax return and include any income earned from these states. Personal Income Tax Rate. Retail Sales MoM.2016.State Government Tax Collections, Corporation Net Income Taxes in Illinois stands at 3367461.00000 Thous. of . All tax rates were applicable through the end of 2016. The Best and Worst of the Rest. This leaves 33 states and the District of Columbia that charge a progressive tax on all income . Understanding Illinois Flat Rate State Income Tax. But Illinois imposes a flat income tax rate, which recently increased to 4.95 percent from 3.75 percent as part of the state budget that passed by veto override.SPRINGFIELD — If nothing changes, Illinois will enter calendar year 2016 with about 8.5 billion in unpaid bills, the state comptroller said The state of Illinois has a flat income tax, which means that everyone, regardless of income, is taxed at the same rate.If you paid 1,000 in property taxes in 2016, you could claim a credit of 50 on your income tax return thats 50 less that you end up paying in taxes. by Michael Lucci. April 18, 2016. Note: Data about Illinois income taxes in this article are derived from tax year 2013 tax returns when the state income-tax rate was 5 percent. You must use Schedule SA (IL-1040) or the blended income tax rate to calculate your tax. See Schedule SA Instructions (IL-1040), and InformationalTotal Illinois State Lottery Fund expenditures of 1.219 billion in fiscal year 2016 included 677 million (55.5) in transfers to the Common School Tax Year. 2018 2017 2016 2015 2014 2013. Filing Status Gross Illinois State Earned Income Tax Credit. 1 Do not include yourself or your spouse.The Illinois State State Tax calculator is updated to include the latest Federal tax rates for 2015-16 tax year as published by the IRS. Illinois income tax rates were last changed three years prior to 2016 for tax year 2013, and the tax brackets have not been changed since at least 2001.Please note: Our Illinois tax brackets are currently from tax year 2016 (filed in April 2017). Many states adjust their tax brackets yearly, and we The Federal income tax withholding tables changed effective January 1, 2016. The IRS Circular E, Employers Tax Guide, provides the tables for the calculations. If Taxable Income Is: Over But not Over Married Filing Jointly States exempting pension income entirely for qualified individuals are Illinois, Mississippi and Pennsylvania. States that exempt or provide a credit for a portion of pension incomeComparison of State Death Taxes (Click here). State Individual Income Tax Rates and Brackets for 2016 (Click here). rates in all countries ,federal income tax rates 2016. Ever wonder how your states income tax rates compare to other states? Youll find some of theover 7,000 Hawaii: 11 on income over 200,000 Idaho: 7.8 on income over 26,418 Illinois: flat 3 of federal AGI with modifications Indiana: flat Until updated 2018 tax rates become available for Illinois, the tax brackets shown above and used in the income tax calculator will be from tax year 2016. Illinois Income Tax Calculator State Refund 2018 Income Tax Calculator for FY 2017. Illinois generates the bulk of its tax revenue by levying a personal income tax and a sales tax. The state derives its constitutional authority to tax from Article IX of the state constitution. Tax policy can vary from state to state. Income tax rates - illinois, business income tax effective july 1 2017 corporations 7 percent of net income trusts and estates 4 95 percent of net income to determine the tax due for.Map state income tax rates and structures in 2016. 2016 state supplemental income tax withholding rates.States with revised income tax withholding guides or tables for 2016. State. California Connecticut District of Columbia Idaho Illinois Indiana Kentucky. The Illinois Individual Income Tax rate for calendar year 2015 is 3.75 percent (.0375). February 15, 2016, falls on a state recognized holiday With such minimal income (400), it is doubtful Illinois will request any further documentation. Barb. Barbara and other Tax Specialists are ready to help you.What would the federal and state tax rate percentages be for 9/19/2017 1/1/0001. S-corporate 100 owner incorrectly issued herself 1099-Misc State individual income taxes. (Tax rates for tax year 2018 -- as of January 1, 2018). Alabama alaska arizona (a) arkansas (a) california (a) colorado connecticut delaware florida georgia hawaii idaho (a) illinois indiana iowa (a) Illinois has a flat-rate income tax for its residents. Beginning July 1, 2017, the IL state tax rate increased to 4.95 percent from 3.75 percent in 2016. Since it is a flat rate, it applies to all types of taxpayers. State taxes: Illinois. Kay Bell. March 8, 2016 in Taxes.Illinois taxpayers calculate their state liability by multiplying their income by a flat rate of 3.75. Many Illinois taxpayers may be able to electronically file their state returns by using IL-1040 WebFile. Income tax rates - illinois, business income tax effective july 1 2017 corporations 7 percent of net income trusts and estates 4 95 percent of net income to determine the tax due for.Illinois has higher property taxes than every state with. Irs chart 2016 calendar template 2016. Most individual U.S. states collect a state income tax in addition to federal income tax. The two are separate entities. Some local governments also impose an income tax, often based on state income tax calculations. new postschange sim pin code samsung galaxy s3vestidos de xv a?os cortos y modernoskimber pro aegis ii 9mm 1911 pistolnjanum ente sreeyum full movie free downloadservers minecraft 1.8.9 no premium


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- Cisco started crawling around the 10 month mark. He is cruising everywhere! Up and down the stairs, follows Tuck around the house, and climbs on everything. Tuck hates it, ha! He gets so upset when Cisco plays with "his" toys, and his knew line is, "Stop moving Cisco!" I'm sure they'll learn to share eventually, right?!
- July 15, Tylor turned 30! I had big plans for him this year, but the broken collar bone really put a damper on the motocross lesson I was going to surprise him with. So instead I rented the Pleasant Grove pool, and we had a little party there with a few friends (more fun for me and the kids, I'm sure).
- I got a job! I had to start working as a Dental Hygienist this year to keep my license, and I'm not ready to let that go. So I headed back to work at my old office in Alpine. I'm only working one day a week, and I'm loving it. It's more fun then work. I get to go interact with adults once a week and let Tylor and the boys fend for themselves, and I get paid for it! It's fabulous.
|Pleasant Grove Pool - Ty's 30th Birthday
|Party People
|My sad cake... I typically buy a DQ cake but opted to be Martha Stewart since 30 is a mile stone in life. I attempted German chocolate cake (Ty's favorite)... it was lop side and the icing was too runny. Tasted alright though.
|Jordan & Margaret came over and made us dinner on Tylor's birthday... couldn't ask for better friends. Jordan and Tylor are BFF's. No joke, these 2 gab on the phone like 40 year old house wives.
|Our little Cisco man climbing on everything!
|My first day back at work. Tylor text me this pic... apparently this is how he keeps our kiddos happy!
|The cutest, soon to be married, couple I know... Tuck and Hazel. Tuck calls her Hazie Pie.
|At the Harley store.


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Skip to comments.My New Hampshire Predictions
Posted on 01/10/2012 3:49:23 PM PST by Billlknowles
The gloves have come off by the other candidates now in response to all of the mudslinging being done at the hands of the Romney and Paul campaigns so the New Hampshire Primary is proving to be a little more contested than originally thought and is proving that it may not be the coronation that Mitt Romney expects. I came fairly close with my predictions for Iowa, correctly nailing that Bachmann would end her race by the end of the week and calling Mitt Romney the winner, albeit by 8 votes. I thought Santorum would run fourth, but did expect that a lot of last minute decision makers would choose him and Newt Gingrich. I was half right. I didn't fully gauge how $17 million dollars worth of negative campaign ads would affect the Speaker's campaign.
-------------------------------------------------------------------------------- 1. Romney will win. There is no question. And rightly so. He was Governor of a neighbor state and got a lot of free news airtime as Governor across borders. Further he owns a home here now. However, I don't think there is going to be this gigantic groundswell of Romney supporters rushing to get him the nomination. Look for him to top out at about 28%
(Excerpt) Read more at wearepolitics.com ...
Specs on Fox News exit numbers for late deciders:
Romney 29% Huntsman 24%
MItt will EASILY win as the other three CHOSE to go into SELF DESTRUCT MODE. Bashing capitalism isn't becoming to entitlement minded Newt. I also wouldn't be surprised if someone from Obama's camp gave Newt the 5 million to see more SELF DESTRUCTION within the GOP as IS going on. It's now PERSONAL and far from being about "issues".
Huntsman clearly has momentum. I hope it's enough.
You should have posted the entire article, but you won't because you are a blog pimp.
That is a shame, because I would have loved to have read your predictions, along with the other thousand that have been posted (but they posted all of theirs, unlike you).
Nothing will be enough. Romney has the organization. He has the money. He has a plan. Everyone else is lacking one or more of these critical, "must have to win" components. Consequently, the entire primary process is really just Romney going through the motions to get the nomination. I have read that every step of the way is orchestrated by the Romney team. Professional presidential candidates have always done this. Kennedy, Nixon, Reagan, Obama, etc. The fix is in. Romney isn't trying to beat his opponents. He's really working 24/7 on beating Obama.
Sounds like Romney, with Paul close #2, and Huntsman distant rrd with Santorum/Gingrich vying for #4, and Perry a distant #6. Pretty much what one would expect, except maybe Paul's showing in NH.
We have to stop that trashy Romney guy.
Romney will do anything to beat his republican opposition as we have seen, and saw in 2008, then he will try to destroy conservatism as he has done all his life.
Blog Pimp
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.


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Gray areas tend to make relationships more complicated, especially when it comes to ending something that was never even officially a relationship at all. If you have been casually dating someone or involved in a friends-with-benefits situation that has worn out its welcome, you might be wondering how to go about putting that relationship in your rear-view mirror. If you are ready to move on from a relationship in which there was no commitment, there are certain factors you should take into consideration.
Honesty Really Is the Best Policy
Don't assume that a lack of commitment in a relationship makes it acceptable to also have a lack of respect. No matter what type of arrangement you had with the person you were involved with, letting him know when that arrangement has come to an end is a matter of respect and common courtesy. While it might be easier and more convenient to simply stop answering his calls and disappear from his life, being honest about the situation is the more mature course of action. You may not owe him an explanation, but you should let him know that things will be different from here on out, so make an effort to tell him what's up rather than simply disappearing.
Say What You Mean and Mean What You Say
Don't send mixed messages. Once you tell your fling or friends-with-benefits that it's over, make sure that your actions follow suit. If it's over, then let it be over, and don't start flirting or trying to revive what you had going with her whenever you happen to feel lonely. If you decide to withdraw the benefits but remain friends with your former friends-with-benefits, then avoid confusing her or sending mixed messages by treating her the same way that you would any other platonic friend. If your relationship was strictly physical from the start, trying to establish a friendship after the fling is probably not a good idea.
Take Time for Yourself
No matter how casual the relationship may have been, you might feel somewhat emotional in the wake of its demise, and that's perfectly normal. Give yourself permission to process those emotions as they come. Take some time to reflect on the relationship and what it meant to you. Look for any lessons that you could potentially draw from the experience and use those insights to help you determine your goals for any future relationship.


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"I have just given a look test day before yesterday but have not received any call from the production house till yet," says Vinny.
How sure you are of getting the role? "Well I really don't know as there were many other than me who gave audition for the same. I am waiting for the call from the other side, only then I can confirm about it," she adds further.
Have you seen the show? "Yes I like the show and if I get an opportunity to be part of it, I will go ahead," she concludes.
We called up Aasiya to know her side of story. Her brother rubbished out the buzz saying, "She is very much the part of the show and there is not word about replacing her. Even today she is busy shooting for the same."Will Aaisya continue to be Santo or Vinny will replace her? Now only time will decide who will be the Bandini of Ronit Roy?


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The best place I found to download the earlier version was at [REMOVED] This site lists all versions. Report Abuse Post 28 of 124 48,138 Views 0 Likes carbo Runner Posts: 4 Joined: 22-05-2012 Re: Sky Go Error code t6030-c1501 Options Mark as New Bookmark Subscribe Subscribe to RSS Click to Run Forum SolvedMicrosoft Access Dutch speaking expert Forum SolvedMicrosoft Access 2016 - Invoice Help!! Or there was a trick with windows 10 via device management.
It does not work on Chrome or Internet Explorer Report Abuse Post 21 of 124 48,391 Views 0 Likes Kris+McD Retired Staff Member Posts: 5,539 Joined: 18-03-2011 Re: Sky Go Error Getting an error ... Even in 'Manage Devices' I was being told that the Windows & PC I am using is not the one registered for viewing Sky Go, although I only have one Windows Try and play video again 6. http://helpforum.sky.com/t5/Archived-Discussions/Sky-Go-Error-code-t6030-c1501/td-p/421981/page/2
Ad choices Follow Tom's guide Subscribe to our newsletter Sign up add to twitter add to facebook ajouter un flux RSS md2 Main menuHome If you are truly interested you will I was hoping to just instal the last version of silverlight and give that a try but i can't find a link for this. But before it worked for a wee while and then the error came up so I don't know. Login to Sky Go and click 'Watch live TV' from the home page.
Showing results for Search instead for Do you mean Sign Up | Sign In | Forum Help Archived Discussions This page has been archived The content on this page may be Forum SolvedI need to transfer Microsoft Rewards points to main account. Perfect! Can't find your answer ?
Legend, been bugging me for ages.Agreed, Sky need to know their own product and provide advice in order to resolve.Thanks again. #re: Slightly off topic - How to Fix Sky Go Log back into Sky Go and click 'Watch live TV', this time you should see a message saying something like downloading security components. Techie talk:So whoever wrote the code to create a The folder must exist in order for the new file to be created by Silverlight. 6. http://answers.microsoft.com/en-us/windows/forum/windows_7-pictures/silverlight-error-t6013-c1501-when-trying-to-use/ca5be243-378d-431b-84f4-690a5664bde6 Select this and a dialog should appear.
Ask a question Quick access Forums home Browse forums users FAQ Search related threads Remove From My Forums Answered by: skygo ERROR - "apologies this item has been interrupted due to Great! #re: Slightly off topic - How to Fix Sky Go Error [t6013-c1501] (and [t6000-c1501]) 3/25/2015 4:37 PM Vin Widows 7 update auto-download this morning on PC result; Sky Go = Rolling back to the previous version is not the answer. I intend on watching the game tonight as well so I don't want it happening again.
Report Abuse Post 23 of 124 48,306 Views 3 Likes sports-flash. https://www.avforums.com/threads/skyplayer-error-apologies-this-item-has-been-interrupted-due-to-an-error.1323998/ Forum SolvedHai I am having DELL Inspiron windows 10, I made my pc to refresh that made all the apps and the microsoft office to be remove Forum SolvedCan a Microsoft Old Silverlight Click on the Application Storage tab. Go back into Silverlight settings and enable DRM download management (Playback tab) 7.
Forum SolvedMicrosoft Office 2016 Update Question - Windows Update vs. Changed Silverlite, turned off computer and restarted but still message persists. Kris+McDCommunity CoordinatorCommunity Welcome, Hints & TipsSky Help Centre http://www.sky.com/help Report Abuse Post 22 of 124 48,371 Views 0 Likes SuperNovaNad Researcher Posts: 6 Joined: 21-05-2012 Re: Sky Go Error code t6030-c1501 Same for everyone?.
Report Abuse Post 25 of 124 48,166 Views 0 Likes Kris+McD Retired Staff Member Posts: 5,539 Joined: 18-03-2011 Re: Sky Go Error code t6030-c1501 Options Mark as New Bookmark Subscribe Subscribe Open explorer and navigate to the folder C:\ProgramData\Microsoft\PlayReady Note: This folder might be hidden on your PC, if so in explorer select Organize->Folder and Search Options->View->Show hidden files and folders and Show navigation menu Show profile menu Sky homepage Skip to content Help & Support Search: Main Menu Main menu Home Find & Watch TV Plan your viewing TV Guide Never Miss Thanks Friday, January 08, 2016 9:44 PM Reply | Quote Answers 0 Sign in to vote Have you triedthe advice here: http://helpforum.sky.com/t5/Sky-Go/Apologies-this-item-has-been-interrupted-due-to-an-error/td-p/2292527 " Login to Sky Go and click 'Watch live
I upgraded my RAM yesterday, and that must have been enough to cause the error. I've contacted Sky technical help and they are useless! Minstrel27 12-Oct-2010 15:38 #2 Does it work right now?
Forum SolvedWhat is Microsofts Silverlight for? Go into Silverlight settings and disable DRM download management (Playback tab) 4. Once again I'm going to be getting nothing accomplished with my free time. i need my nightly crime channel fix or i can't sleep Report Abuse Post 29 of 124 48,118 Views 0 Likes KBenell Viewer Posts: 2 Joined: 26-05-2012 Re: Sky Go Error
Macbook - Running Snow Leopard 1. Great advice. #re: Slightly off topic - How to Fix Sky Go Error [t6013-c1501] (and [t6000-c1501]) 7/11/2013 6:32 PM Ken Wonderful thanks! #re: Slightly off topic - How to Fix Sky Would really appreciate it!!Thank you #re: Slightly off topic - How to Fix Sky Go Error [t6013-c1501] (and [t6000-c1501]) 9/8/2015 3:31 PM Andy Eastham Hi,I had error [t:6013 / c:4110] since Click the 'Application Storage' tab and delete any entry that relates to sky go.
Technet articles: WPF: Layout Lab; All my Technet Articles Proposed as answer by Weiwei CaiMicrosoft contingent staff, Moderator Monday, January 11, 2016 1:05 AM Marked as answer by Weiwei CaiMicrosoft contingent Home Forum New Posts FAQ Calendar Community Groups Albums Member List Forum Actions Mark Forums Read Quick Links Today's Posts Articles What's New? Does anyone here know how i could install the last version? Open Microsoft Silverlight by going to the Start Menu > All Programs > Microsoft Silverlight.
The previous posting by Mickoa was indeed correct although I didn't have to delete the PlayReady folder. Forum SolvedMicrosoft office cache Forum SolvedAnother person has accessed your microsoft account Forum SolvedWhen i am trying to install win7 it says the file or directory \users\admintrator/appdata/local/microsoft/feeds cache is corru Forum Privacy statement Help us improve MSDN. then go on the net and download silverlight version 5.0.61118 just google it and you will find it and boom there you go.
It will attempt to show Sky News and fail with the error [t6013-c1501]. 2. Sign up and discover more Shop TV TV bundles Channels & shows Features & equipment Installation & set-up Switch to Sky TV Broadband & Talk Compare broadband Broadband speeds Compare Talk Sir Oxman Registered User 12-Oct-2010 23:16 #4 http://mce.commsbyte.com/index.php?option=com_content&view=article&id=107see if that helps harpstilidie Registered User 13-Oct-2010 14:51 #5 gambiamansaid: http://mce.commsbyte.com/index.php?option=com_content&view=article&id=107 see if that helps Thanks guys. why can't Sky help with that! #re: Slightly off topic - How to Fix Sky Go Error [t6013-c1501] (and [t6000-c1501]) 1/27/2015 6:57 PM John Darby Have not been able to watch
thanks joe Last edited by joe pineapples; 13-05-12 at 11:18 AM. The content you requested has been removed. Just had to delete Silverlight from add and remove programs. Share Share this post on Digg Del.icio.us Technorati Twitter Reply With Quote Advertisement 13-05-12,12:04 PM #2 joe pineapples Sky User Member Exchange: SLBAL. (Balby) Broadband ISP: Sky Unlimited Router: Sky Hub
This page has been archived for future reference. Report Abuse Post 17 of 124 48,830 Views 1 Like paulJH New Viewer Posts: 1 Joined: 19-05-2012 Re: Sky Go Error code t6030-c1501 Options Mark as New Bookmark Subscribe Subscribe to Secondly, when selecting a programme to watch, the following error message appears "apologies this item has been interrupted due to an error, please click play to resume watching (t6013-c1501)".


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A feast of cricketing action will take place across the Scarborough area next week when the Inter-County Under-14 Festival comes to town.
A host of fixtures between teams from all over the country will take place at Scarborough's North Marine Road, Scarborough College and Flixton Cricket Club.
The event kicks off at 1pm on Monday and will run through until Friday evening.
Scarborough Cricket Club's David Byas said: "Development of good young cricketers to the highest levels is one of the key objectives of Scarborough CC and we are delighted to be able to offer the facilities at North Marine Road and two other excelent local grounds to support what is your festival.
"I well remember the excitement as a schoolboy of walking out to play at North Marine Road where so many great cricketers had played before me."
Monday, 1pm
Scarborough CC: Northumberland v London Schools.
Scarborough College: Cumbria v Lancashire.
Flixton CC: Yorkshire v Durham.
Tuesday, 11am
Scarborough CC: Durham v Northumberland.
Scarborough College: Yorkshire v Lancashire.
Flixton CC: London Schools v Cumbria.
Wednesday, 9.30am
Scarborough CC T20: Lancashire, Cumbria and Yorkshire.
Scarborough College T20: London Schools, Northumberland and Durham.
Thursday, 11am
Scarborough CC: London Schools v Durham.
Scarborough College: Cumbria v Yorkshire.
Flixton CC: Lancashire v Northumberland.
Friday, 10am
Scarborough CC: Final.
Scarborough College: 3rd v 4th.
Flixton CC: 5th v 6th.


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Last year's March for Life occurred just two days after Barack Obama's inauguration, and the effects of Obamamania were still evident in the nation's capital as marchers assembled for the walk to the Supreme Court building. In anticipation of tomorrow's 37th anniversary of the passage of Roe v. Wade and this year's march, here's a video that made the rounds last year, but is always timely, I think.
Thursday, January 21, 2010
Posted by Amy De Rosa at 3:06 PM
Labels: Obama presidency, Sanctity of Life
2 comments:
Oxymoronic that Obama would be the subject of the pro-life ultrasounds...ReplyDelete
One good outcome of his multiple economic mistakes - he has been distracted from his culture of death agenda..
Will you be posting the Tebow Super Bowl ad?
Yes, can't wait to see the Tebow Superbowl Ad. Hopefully, it will be as good as the 'Imagine' ad that CatholicVote tried to have aired during last year's Superbowl.ReplyDelete
Subscribe to: Post Comments (Atom)


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A proposed corridor of retail shops along the side of New York's World Trade Center site closest to Wall Street is being studied, and plans are likely to emerge in coming months, Gov. George Pataki's top aide said Thursday.
The Port Authority of New York and New Jersey intends to develop storefronts along the Church Street corridor and open 200,000 square feet of retail in a transit hub now under construction, said John Cahill, Pataki's chief of staff.
Business and community leaders in lower Manhattan "have told me firsthand about the need to expeditiously restore retail at the World Trade Center site, and I could not agree more," Cahill said at a breakfast sponsored by Crain's New York Business.
His remarks came the morning after the governor withdrew support for a museum, the International Freedom Center, planned for the memorial portion of Ground Zero, after protests by families of Sept. 11 victims and others.
Cahill said the controversy hadn't set back the overall redevelopment effort, citing almost $10 billion in construction that has either started or will start over the next six months.
Those projects include the Freedom Tower, a 1,776-foot skyscraper; a new headquarters for Goldman Sachs Group Inc., across the street from Ground Zero, and the memorial itself, which Cahill said will be ready for dedication on Sept. 11, 2009.
Steve Coleman, a spokesman for the port authority, said the design of the Church Street retail could be ready in the next two to three months. The port authority owns the trade center site and built the complex destroyed in the 2001 terrorist attacks.
The port authority bought back the trade center's retail rights from Westfield America Trust in late 2003. Agency officials have said they intend to create about 1 million square feet of stores, above and below ground, at the trade center site, which would make it lower Manhattan's largest retail complex.


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Friday, February 13, 2009
For You
7 comments:
- Kerry D-C said...
This is a DARLING card!! Sounds like a lovely plan for your V-day!!
- February 13, 2009 at 8:51 AM
- Jenn said...
Oh so very cute! Love the scalloped border! :D Enjoy your lunch by ocean! :D
- February 13, 2009 at 8:58 AM
- Jacque said...
Very cute card, Lori, and you are right...the colors are beautiful...Hope you and yours have a magnificent Valentine's Day!!!
- February 13, 2009 at 9:09 AM
- Suzanne J Dean said...
So, so Sweet Lori! You're cards keep getting better & better & this one is just beautiful!
Great job on the sketch!
- February 13, 2009 at 11:22 AM
- Sparkle said...
Have a great time at the ocean! I'll be able to see the ocean at dinner too, but the Puget Sound isn't too fun to be close to, lol. I would love to have some warmer weather!
Your card is just precious! I will have to try to play!
- February 13, 2009 at 12:19 PM
- Candy said...
Love your card. The colours are great and love your Tilda with Rose.
Have a great Valentines Day at the ocean.
- February 14, 2009 at 1:07 AM
- Laurel said...
Adorable! Thanks for the enabling! I just checked out the Magnolia link!
- February 14, 2009 at 7:18 AM


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General Elections are coming up next week, so be sure to vote.
Hotness & and I both vote via absentee ballot so we need to get our butts in gear and get it done by Monday.
You know what they say...
"If we don't vote, the terrorists win."
By the way... I'm really enjoying this webcomic.


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