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Retirement planning conversations often begin with a simple question: how much money does it take to retire? This simple question bubbles to the top for nearly every pre-retiree.
It's a simple question, but not such a simple answer.
The answer is a complicated mixture that should account for a number of variables. Some of these variables include the following:
- How much money will I spend each year in retirement?
- What income sources (and how much) will I have?
- How old am I and how long will I live?
- How much will I pay in income taxes?
- What will inflation be?
- How will the markets perform?
These questions loosely brush the surface of the many factors that can impact a retirement plan.
Still, it's prudent to answer the question of How much money does it take to retire? So, where to begin?
There are several calculations we can look at to start. Some calculations are simple rules of thumb and others involve a more detailed analysis. All, in my opinion, are independently incomplete.
However, paired with other information, these calculations can be used as the foundation for a full retirement plan.
Retirement Number 1 – "X" times salary
"X" times your salary is one of the easier calculations that can be used to answer how much money you need to retire. Unfortunately, depending on whom you read and where you get your information, "X" (the key multiple) can be wildly different.
Let's assume the hypothetical example of a 62-year-old retiree who makes $100,000 per year. We will compare this to needing 8x salary to 12x salary to retire comfortably (a hypothetical assumption).
8 times salary: 8 x $100,000 = $800,000
12 times salary: 12 x $100,000 = $1,200,000.
We quickly notice a difference of 50% in projected retirement savings needed from one scenario to the next. I don't know about you, but I can't imagine that too many retirees would feel comfortable making a decision based on this information.
In fact, this difference is so large that it may be the difference between running out of money or not in retirement. Or it may be the difference between working or retiring, or the difference between needing to save or not.
Furthermore, it's important to understand what factors these rules of thumb are based on. Often, they make assumptions for how many years you will spend in retirement, inflation, income replacement rate, and market performance. In an effort to serve the masses, X times salary often oversimplifies what is anything but easy.
Target a Withdrawal Percentage
Another common rule of thumb in retirement suggests being able to withdrawal 3-5% of your total account balance without running out of money. Historically, several studies have suggested that had you withdrawn 4% of your initial retirement portfolio, adjusted it annually for inflation, and invested in a 50/50 portfolio, you would have had an 85% chance of not running out of money.
Using a withdrawal percentage as a starting point, we can calculate back into an amount that a retiree would need to save in order to retire.
Assuming you need $50,000 per year from your investments to meet your retirement goals and a 4% withdrawal rate, a retiree would need to accumulate $1,250,000 in investable assets. ($50,000 divided by 4%)
If the need is $100,000 per year, the amount needed to retire would be $2,500,000.
As of late, more questions are being asked regarding the rule of thumb suggesting that a 3-5% withdrawal rate is sustainable. While historically this may have produced positive results, the world is a different place.
Current interest rates have declined, projected market performance has tempered, and projected longevity has increased. The combination of these forces has caused many experts to re-examine the sustainability of the said withdrawal rates.
Retirement Without Spending Down Principal
One old-school thought when addressing how much a person needs to retire is to establish a retirement plan that never spends the principal. The goal would be to use dividends, interest, and capital gains to generate income in retirement.
This strategy assumes that one can take a specified amount from the investment portfolio every year and not spend down the principal.
In theory, this strategy is great. Who wouldn't want this? However, in practice, it leaves a lot to be desired.
- Where do you get yield in a low interest rate environment?
- What happens when that yield changes?
- How do withdrawals keep pace with inflation?
In order to calculate the need, it is necessary to figure a specified yield.
Assuming a 3% yield (which is not intended to be reflective of any risk tolerance or current market. It is a hypothetical example used to illustrate a point) and a $50,000 per year withdrawal, the amount saved prior to retirement would need to be $1,666,667.
Retirement Need as a Mathematical Calculation
The above example may be used to provide a broad answer regarding what may need to be saved in order to reach your retirement goals.
Other methods of determining your need focus on the numbers and include detailed calculations. One such method starts with a detailed budget that concentrates on your retirement expense needs.
From your expense needs, a tax analysis would add projected income taxes that are owed. This leads to your total expense need.
From a total expense, deductions are taken for specific retirement income sources, such as pensions and Social Security. What you're left with is a net need that you will need to withdraw from your investments.
From this net need, it's easy to calculate an amount that needs to be saved prior to retirement. A chart of the need, based on various rates of return, can be found below:
|Rate of Return
|Inflation Adjusted ROR
|Years to Retirement
|Years in Retirement
|Need from Investments
|Need (Inflation Adjusted)
|Inflation Adjusted Need at Retirement
In this example, the amount needed prior to retirement ranges from $1,900,000 to $2,500,000, depending on the assumed rate of return.
(The above amounts are higher than the above examples, mainly because we have increased the expected withdrawal need at retirement due to inflation. Said another way, the need is currently $50,000. Assuming a 3% inflation rate, the need is $77,898 in 15 years when retirement begins.)
It's interesting to note that withdrawal rates for a 33-year retirement range from 3% to 4%, in line with our example above.
- $77,898 / $2,570,646 = 3.0%
- $77,898 / $1,921,615 = 4.1%
A secondary question that often arises from this analysis is how much a person needs to save to reach their goals. Continuing this example, we can calculate just how much annual savings is needed to reach a given goal.
|Current Assets
|Projected Assets at 62
|Shortfall on Goal
|Level Payments t0 Save
Assuming the current amount saved is $500,000 and that there are 13 years until retirement, this pre-retiree would need to save anywhere from $40,000 per year to $96,000 per year to reach the set goal.
Additional Retirement Analysis
In any retirement plan, whether following a rule of thumb or a detailed calculation, it's important to remember that there are no certainties, no guarantees and no perfect plan. Retirement plans involve projections into the future, which is inherently uncertain. What every retirement plan should have is flexibility. More specifically, it requires flexibility to adjust and accommodate the ever-changing marketplace.
While the examples above all provide an answer to the question of how much money it takes to retire, all of them include additional issues that need to be addressed. For example, income tax, longevity, market returns, inflation, and other topics will all impact just how much needs to be saved.
Retirement planning is assumption-based planning that attempts to evaluate and interpret future occurrences. This type of assumption-based planning is necessary to add confidence when answering the all-important question of How much money do I need to retire?
These projections are hypothetical. This information is meant to provide you with a general idea about your retirement income needs. The results given are for illustrative purposes only and do not represent the actual performance of any current or future investment. Rates of return will vary over time, especially for long-term investments.
Inflation is the rise in the prices of goods and services, as happens when spending increases relative to the supply of goods on the market.


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these are great, I love your work
It's hard to believe this little guy is so grown up. It seems like just yesterday I photographed him as a newborn. He was born a few days late and has always seemed a little "mature." He has such a sweet pensive personality and is such a doll. On the day of our session, he was slightly obsessed with sticks. It was so fun to watch the wheels turning in his head as he tried to figure out how to get as many as he could into his chubby little fist. He is such a doll!
these are great, I love your work
He is so smart and adorable!
Awe man L and J, these are great pics and E is really growing up fast! And E has the right idea – sticks are fun for years to come.

subset: commoncrawl


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We're a hawk on the issues.
States Push Primary Reform to Reduce Hyper-Partisanship
After the October government shutdown, one thing became clear: hyper-partisanship had slowed governance down to a halt. Now, some states are changing primary rules to force candidates to pay more attention to the general election than their base.
The stark differences between progressives and conservatives are now secondary to the differences between conservative Republicans and moderate Republicans. With the threat of a well-funded Tea Party primary challenger to any moderate Republican that votes against the party, conservatives have hijacked congress away from anyone that doesn't fall in line. Since most congressional districts lean heavily Republican or Democratic, the majority party's primary winner is almost guaranteed a seat. That means a candidate only has to appeal to their base to win the entire election.
To make general elections more important, states have introduced legislation to change primary rules. In North Carolina, the legislature is currently mulling taking the redistricting that happens every ten years out of politicians' hands and creating an independent task force. In California, voters passed a referendum to create a top-two primary. Unlike a regular primary where the Republicans vote for their candidates and the Democrats for theirs, all candidates are on the ballot in a top-two primary and the top two vote-getters advance to the general election. In Republican districts, this will likely be two Republicans and vice versa for Democratic ones but the election would be held for all parties' voters.
"What that's done is created a much more responsive group of legislators and congressional members because they know that their re-election is not solely dependent on the ideological base of their own party," says Dan Schnur, the head of the Institute of Politics at USC. "They can actually work across party lines without having to worry about the Tea Party or Move On running a primary challenge against them."
The primary threat is no longer something confined to Republican strategist backrooms. Even John McCain recently admitted that any immigration reform push would have to wait until after next year's primaries so that Republicans in conservative districts don't have to defend their vote on immigration reform to the party base. Primary changes like these could allow representatives far more ability to govern across party lines.
(Image: DonkeyHotey)


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All of the horses at Meadow Stables are assessed for six weeks before they are presented for sale. During this time we work with them in the school, hack them out on busy roads and take them out on cross country.
In heavy traffic we make sure they are safe and reliable, enabling you to feel confident that they will not be spooked by a bus or a lorry, and provide a safe ride.
During our cross country sessions, we look at their confidence over ditches and through water, as well making sure that in open fields they are not going to take off with you.
All of our adverts for our super safe horses are honest and genuine. We pride ourselves in matching clients with the right horse, whether you are a novice buying your first horse or looking for a bomb proof horse to give you confidence.
We welcome vet checks on all of the horses and provide a 14 day guarantee to give you peace of mind when by your horse from Meadow Stables. A £300 deposit can be left to secure the horse of your choice, and then you have seven days to collect your horse, or we can arrange to have your new friend delivered (buyers cost).
The Team
Meadow Stables is run by Sammarie Pheb and her team. There are over 30 stables and two outdoor schools. Sam has been around horses her whole life and personally spends time with clients to understand their needs and find them the perfect super safe horse. The team of grooms are friendly and experienced, for all of them working at Meadow Stables means they can spend all their time doing what they love. The grooms will be happy to ride for you and provide lots of information about the horse that you are interested in, obviously providing all the positive details, but we will also make you aware if a horse does require a bit more leg and may be more of a plod.
Take a look at the horses we currently have for sale, or contact us to book an appointment now.


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I loathe this usage. In fact, if it hadn't been deprecated, I'd have put a "blink" tag on "loathe", because red-bold-italic-underline doesn't feel like enough to express my loathing.
Here's the thing. I transitioned – was reborn, I like to think of it – in 1992. I went into a catatonic depression, was hospitalized for it, and after a few weeks came back as me, the me you "know"(1). When I did so, the only way to get one's gender marker changed on driver's licence, let alone anything important like a birth certificate, government health insurance card, or passport, was to have genital surgery. And you needed to come back with a signed affidavit from TWO MDs saying that they had found you to be physically $NEWGENDER. I won't try and speak to how difficult that was for trans men, because I'm not one, but do take a moment and consider that standard; remember, too, that in order to get paid-for surgery on the government health insurance, you had to be in a Benjamin-standards program for transition, which at the time meant that you were flying the first year without even starting hormones, which was no picnic for any trans person who wanted paid-for surgery.
Because the Benjamin standards, as applied in my jurisdiction, were so rigidly applied, the "Real Life Test" only counted if you did it in the panel-approved way: for trans women, that meant (no exaggerations here, I promise) ALWAYS wearing makeup and visibly feminine clothes; legally changing your name to something unambiguously feminine, even if your existing name was sufficiently androgynous and commonly used by any people gendered as men or women; being hetero (interested in men sexually); working full-time or studenting full-time or volunteering at least 25 hours a week, meaning my "raising my damn kids" didn't count for shit; and working hard to "pass", meaning "if you tell people you're trans, that makes you ineligible for being considered trans".
Place alongside those standards, me: 25, a former two-sport varsity athlete, "tomboy femme" in appearance(3), and my long-term goal, which upset my counsellor some, was this: "Some day, I want to wake up in the morning and realize I've got no milk for my tea. I want to grab the nearest two articles of clothing that fit the local ordinances, put on whatever pair of shoes is easiest and nearest the door, and go to the store, buy my milk, come back, and have my tea, without anyone I meet ever thinking anything more unusual about me than 'oh, that woman's not wearing a bra!'. I didn't carry a purse, but a backpack; I still wanted to play soccer, only now with women and not men (later I played co-ed too), and it would be several more years before I self-defined as bisexual, let alone hetero.
It took me twelve years after I transitioned before I was able to afford the surgery I wanted. Twelve years in which I lived every day with a driver's licence and health card that said I was male; twelve years in which I feared, every single time I left my home, that this would be the day I met the mean cop, who'd put me in the boys' jail until my lawyer showed up. If my lawyer showed up. Twelve years in which I didn't dare do anything to interact with my governments any more than I absolutely had to, because every time I did so, i got treated like shit by clerks who saw my ID.
Once, while trying to set up a bank account, I had the bank manager calling the police, because she said I was trying to commit fraud by not telling her that I "wasn't a woman", as indicated by my ID.
Twelve years. In that time, the state of my genitals was everyone's fucking business, and they treated it as the single most important fact about my existence.
So pardon me if I have a tough time accepting a society dismissing the importance of genitalia as "junk", given how very deeply I have felt the pain of society's disapproval of my (presumed) genitalia for many years.
Am I saying you shouldn't use it? Well, around here, yes, if you've got any consideration/empathy. But elsewhere? We are all responsible for our own actions, you'll have to make that decision on your own.
But believe me when I say that after being societally defined by my genitals for twelve years, hearing that difference now described as "junk" is a cognitive dissonance and emotional minefield for me. Make of it what you will.
1) There are more and more trans* folk who are happy to keep using their old names, or to have anyone know their old names; for me, given how much I truly hated my old name even aside from its verygendered-ness – it rhymed with a lot of very bad things to be called, and i knew a lot of very creative bullies in my gifted program, as in "let's go to the library and get foreign language dictionaries to find new names to abuse Hagafemu(2) with" creative. The point is, I don't tell people my old name. Outside my family of origin, only five people in the city I live in know my old name, and three of them are ex-partners of mine. And honestly, I generally don't want to know other trans* folks' old names, either; I want to know who they are now, not who they used to be. Not every trans* person feels this way, though; Zinnia Jones, for example, is quite public about her transition, and I completely respect her choice to be so, as I'm quite sure she'd respect mine.
2) A short version of the Japanese name of my site, "haga" from "hagane", and "femu" being a Japanese-phonetic way of shortening "feminisuto"; a case could be made for "femi" rather, but "femu" was the default/obvious, so that's what I picked.
3) "Tomboy femme" is how one of my besties described me shortly after I transitioned. I lucked into finding a small group of women friends after transition who didn't subscribe to the then-fairly-common separatist/radfem/trans-exclusionary feminism; one of them said that this was the best descriptor, as I kept my hair in a short curly bob, wore only what makeup I felt I needed to "pass", and most often wore jeans and a t-shirt to going out.


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Friday, February 6, 2009
Mediterranean Diet Reduces Risk of Major Disease
3:43 PM Nutrition
The Mediterranean diet has a reputation for being a model of healthy eating and contributing to better health and quality of life, since it is rich in olive oil, grains, fruits, nuts, vegetables, and fish, but low in meat, dairy products and alcohol, reports the British Medical Journal. It has been noticed that people in the Mediterranean region, an area of three continents, differ in their culture, tradition and food habit, but lead very similar active lifestyles and share similar eating habits. It was observed that cases of chronic heart diseases, diabetes, gallstones and cancers were minimal in the Mediterranean region.
The daily Mediterranean diet includes mostly fresh vegetables, fruit mainly as dessert, cereals, whole grain breads, pastas legumes, beans and nuts cooked in olive oil. The diet is supplemented by low to moderate use of milk, cheese and yogurt along with mostly red wine or water. Seafood, poultry and eggs are a weekly add on to the diet, and the consumption of red meat is limited to few times a month. Sweet and dessert intake is also limited to a few days a week. Fruit is the most preferred type of dessert.
The Mediterranean diet is well-balanced with a supply of essential vitamins, minerals, low in saturated fat, salt and sugar to ensure good health. As stated, people in the Mediterranean region lead active lives, but they also find enough time to relax, enjoy and socialize with every meal. This, in turn, helps in digestion of food and proper functioning of body systems.
Sponsered by ChiropracticOutfitters.com


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The Tamar Joinery Company
Green Oak Timber Framed Buildings and bespoke joinery
Telephone (Tavistock, Devon) 01822 840848
e mail: firstname.lastname@example.com
|Traditional Timber Framing
|About Us
Traditional Green Oak Timber Framing
We specialise in the design, construction and erection of traditionally jointed and pegged structural timber framed buildings. Our timber frames are each individually designed and hand built by our small team of specialist timber frame carpenters in our framing yard, at Bere Alston, in West Devon.
Each of our timber frames is absolutely unique and made with an individual attention to detail. Traditional heavy structural timber framing is an extremely versatile method of construction and the technique can be used to build anything from beautiful, durable, energy efficient houses and characterful extensions, to porches, garden houses, cabins, garden offices and conservatories, garages, garden buildings, granny annexes, gazebos and pergolas, playground shelters or heavy oak trusses.
Bespoke Joinery
Our bespoke joinery commissions are all made to order in our Devon workshop. We are very proud of our reputation for attention to detail, and our use of only the best quality carefully selected prime joinery grade timber in our joinery products. We have installed a new paint spraying facility and we are now able to offer a full factory spayed paint or stain finish. We make our windows and doors to individual order, in Accoya or seasoned prime grade Oak. We use Teknos hi-build micro-porous paints and stains for the best possible longevity. Please see our Bespoke Joinery page for more information.
About Us
We are members of The Federation of Small Businesses
RDPE Growth Programme
We are members of The Carpenters Fellowship www.carpentersfellowship.co.uk


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Roly McLenahan
Roly McLenahan was a leader in the formation of New Brunswick's Canada Games team as they ventured into their very first Games held in Quebec City in 1967. His belief in the Games and their impact went far beyond sport development.
McLenahan has been inducted as an athlete into the New Brunswick Sports Hall of Fame, but his legacy is much deeper than as an amateur and professional hockey player and coach.
In 1961, McLenahan became New Brunswick's first Director of Sports. His role helped steer the provincial government's efforts in the promotion and development of youth amateur sports in the province. When he began, there were only 15 or 20 provincial sport bodies in existence. McLenahan worked to bring the focus back on developing young athletes. During the 1960's, using Federal and Provincial government grant money, Roly encouraged and supported initiatives that resulted in growth and improvement of sport, especially for youth.
During the mid 1960's, McLenahan was instrumental in making the very first Canada Games in Quebec City in 1967 a reality. His belief in the Games and their impact went far beyond sport development.
Until his death from cancer in 1984, McLenahan witnessed the sport system, he helped create, grow to over 40 provincial sport organizations. Under his leadership, New Brunswick was the first province in Canada to launch a provincial games, and a New Brunswick Sports Hall of Fame was created. In the 1970s' and 80's he was an active member of the Canada Games Council, a chef de mission for New Brunswick, and a strong supporter of the Games as a tool for sport excellence, sport development and national unity.
Shortly after he passed away the Interprovincial Sport and Recreational Council and the Canada Games Council combined to name the Canada Games Torch in his honour which is still in use today.
Certainly, McLenahan saw the role the Canada Games play in motivating young athletes to aspire to higher levels, but he will also be remembered and inducted for celebrating the influence the Games had on opening the eyes of participants to see that Canada was a large country bound by a love of sport.


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"There is no better than adversity. Every defeat, every heartbreak, every loss, contains its own seed, its own lesson on how to improve your performance the next time."
-Malcolm X
One thing that everyone encounters in their life is adversity. Dictionary.com defines adversity as adverse fortune or fate; a condition marked by misfortune, calamity, or distress. The definition is incredibly descriptive. It shows me that, no matter what your race, gender, religious/spiritual beliefs, political viewpoints, sexual preference or socio-economic status, you will have problems in your life that'll make you feel like breaking down and losing faith. No one is exempt from it.
Even though we, as humans, all fall into adverse circumstances in our lives, how we deal with these proverbial road blocks is what differentiates us. Do you break down and accept defeat in your life or do you power through these rough times and grow from them? Most people are weak-willed and lazy, always accepting the status quo and what's forced upon them. They have no desire to improve their lives and fold when the life creates a mild windstorm that barely even mirrors the hell hurricane that ravishes the surroundings of people in rougher situations.
Stop accepting weakness and defeat family! Put Donnie McClurkin's classic song We Fall Down in your mental rolodex and keep your faith in the midst of these troubling times in your life. After every storm, there's always a rainbow right?
"We fall down but we get up
We fall down but we get up
We fall down but we get up
For a saint is just a sinner who fell down and got up"
Recently I talked to Snook, the author of The Day The Walls Cried. The novel is about one family's adverse circumstances and how they keep going despite it all. She gave some great insight that everyone going through a rough season in their life should read and take into their life.
Randall: Your novel The Day The Walls Cried has a distinct motivation behind it. Tell us what spurred the creation of this story and also what it's about.
Snook: "The Day The Walls Cried" was inspired by the need to bring awareness to deafness. I know first-hand about growing up with a family member that has a hearing impairment. I wanted to tell a story about truth and second chances. Truth in the sense that bad things can happen to good people. Second chances aren't always given, but if you are given a second chance, consider yourself blessed. This story was written from my heart, creating a compelling story.
"The Day The Walls Cried" depicts a story of a young man who is raised by a single mother that is deaf. King and his mother, Jasmine, moves to the worst housing project in the city of Richmond after his grandmother dies. He is forced into an environment where he has to learn fast to survive and where life changes forever. His mother is attacked in her bedroom while he listens from the other side of the wall of his best friend's bedroom. After his mother's death, King moves in with Aunt Pearl. There he meets her foster kid, Starr. They bond as brother and sister and vows to be there for one another no matter what. He plan to avenge his mother's death. Starr being the only person that knows his plan plays the biggest role and she doesn't know it. When the past collides with the present, King must make a decision to kill or forgive.
Randall: In my opinion, the best literature is one that exposes societal ills in an innovative way. What point were you trying to get across in The Day The Walls Cried? What was the core message behind this story?
Snook: In "The Day The Walls Cried" you will see the struggle of a single mother, the struggle of growing up without a mother or father, and the life of a family dealing with disabilities. The point that I wanted to make is that we can't let our past dictate our future. Living in our past only holds us back from living. We have a choice to choose a path that leads either left or right. Everyone may not be so blessed to have a second chance, therefore we must make wise choices.
Randall: How important is family unity and stability to proper childhood development?
Snook: Family unity and stability is very important to a child's development. The first relationship a child has is with their parents and siblings. How those relationships are shaped has a direct impact on a child. These relationships often are reflective of the relationships that a child goes on to develop with others. The rearing of a child starts at home. The home should be stable to provide a strong foundation for a child's development.
Randall: In this new American society, is having a two-parent home realistic?
Snook: Yes. A two parent home is still realistic in today's society. No matter how much society changes, you can't change the fact that it takes the mother and father to raise a child. Although, many are doing it alone, it is still more beneficial that there are two parents in the home.
Randall: In your opinion, what are the biggest problem with our collective viewpoints towards relationships, raising children and family building in this current climate?
Snook: One thing I will say, is that we have changed how we parent. We no longer parent the way that we were parented. Today, people are more sensitive about certain subject matters and are intimidated into being politically correct. This applies to raising our children, our relationships and families.
Randall: Following off the previous questions, what solutions do your propose?
Snook: I don't think that there is one single solution. We have to respect one another and realize that we are all human. We shouldn't condemn others for being different but we must unite as human beings. We should respect one another's point of views.
Randall: What other projects do you have coming up?
Snook: My upcoming project is the highly anticipated title, "Karma's Kiss 2." It is set to release next year. It's the follow up to my debut novel, "Karma's Kiss" that was originally released in 2012. The Down Turn and Karma's Kiss will also be re-released next year under Amarquis Publications.
Randall: By the time this article is published, it will be read by many young people. What is your message to them?
Snook: No matter your circumstances, you have a choice how you want to live your life. If your past or current situation involves abuse, you don't have to grow up to be the abuser. You have the choice to become something greater. Your choices in life sets the path to your future. Make smart decisions. Don't let your past dictate your future or hold you back from progress. Choose LIFE.
You can find Snook at:
Facebook: www.facebook.com/snooknovels
Fan page: www.facebook.com/authorsnook
Twitter: @snook804
Goodreads: www.goodreads.com/authorsnook
-We came, we saw, we conquered! My debut publishing effort "Riverview High: Circumstances" reached #2 on the Amazon charts! Check it out on Amazon today. Don't forget to leave a review!
-"The Diary Of Aaliyah Anderson" is out now! Make sure to go get it!
Do you have any questions, comments or concerns? Was I right or wrong on this issue? I would love to hear from you! Contact me directly at:
Email: firstname.lastname@example.com
Kik: @AuthorRandallB
Ask.Fm: @YoungandGiftedBooks
Twitter: @AuthorRandallB


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GirlsDelta.com is an elegant new approach to Japanese erotica. Every single photo and movie is pure class. It's not "hard fucking" and "kinky fetish" scenes that has come to be expected from Japan. Girls Delta will appeal to the more sophisticated fan of beautiful Japanese faces and clean shaved pussies.
To give you a more accurate description of this site, here is the exact text taken from the home page:
"Essence of Japanese Beauty may be considered the content of their hearts. Japanese usulally don't shave thier under hair. Here is beautiful Japanese Hygienina web site."
Ignoring the poor grammar and typos, it's clear that this site is all about elegant Japanese ladies without the hairy snatches that you're used to seeing in Japanese AV. Every image and movie on this site is extremely high quality. The models don't look so much like porn stars as they do regular girls next door, which somehow makes the site all that more intriguing.
It's not clear from the home page exactly how this sites works, so I'd like to clarify that for you right now. When you first visit Girls Delta, you will first need to click on the American flag at the top left to switch the site to English. From there, a good starting point is the "Updates" page which lists the site's content by most recently added.
Girls Delta organizes all their content by each of the models. So whether you're looking for photos or videos, you will need to first select a model. Clicking on "See Details" next to the model's profile picture will list the details and thumbnails from the said model's content. The "Model Interviews" on the left side — all translated in English — is an interesting feature of the site. And on the right is the movie and photo download section.
Photos & Movies
Every photo resolution is available at a maximum of 3500px, which is the highest quality I've ever come across in JAV porn. Downloadable movies max out at HD 4000Kbps, which is absolutely crystal clear video. Unlike most of the porn sites that promise HD and give you only a small fraction, this site gives high-quality option for every single movie and photo! Most scenes are solo, with posing, stripping, and masturbation, so it's not really hardcore porn.
Membership Options
Here's where things get confusing. Girls Delta offers two-membership options. Even after reading the FAQs, I was still a little confused. It turns out that one option is a standard membership that gives you some. But not all of the site's content for a fixed monthly fee.
Pay-per-view option
The other option is a Pay-Per-View service in which you purchase "Tokens" and then use them on the specific content you want to download. In total, there are 5 Levels of Pay-Per-View membership types with each level corresponding to the number of tokens required for purchasing content:
- PPV ONLY CONTENTS – This level is mainly photos, each set costing 5 to 15 tokens.
- SILVER CONTENTS – Here you get photo sets and 1 to 3 movies for 25 tokens.
- GOLD CONTENTS – Gold content offers more popular models with more photo sets and movies for 35 to 40 tokens.
- PLATINUM CONTENTS – The top model photos and movie sets go for 55 tokens.
- BLACK CONTENTS – The most sought after model content exclusive to the site can be downloaded for 75 tokens.
The number of photos and movies in each of the 5 content levels vary, and there's no consistency. For example. Some SILVER CONTENTS has movies included with the photo sets. Yet some GOLD CONTENTS which is more expensive, only has photos. To confuse things even further, there is a point system in which members upgrade their content level based on how long they've been a member. For example, after six months, your level will automatically upgrade to SILVER CONTENTS which will then give you access to the silver content.
It's all way more confusing that it needs to be. Basically, if you sign up for one month it will cost you $40. You won't get access to all the content, but at least there's no download limits. The second option of purchasing tokens in various bundles is simply too expensive.
The concept of a high-quality, shaved pussy site. With a focus on photography and softcore material is completely unique to all the Japanese porn sites we've reviewed at Japan Cam Whore. Unfortunately, the confusing membership options will scare off most people. It's too bad, because Delta Girls is one amazing site, and probably one of the best kept Japanese porn secrets on the net.


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When President Obama Told Howard Graduates to 'Be Confident in Your Blackness,' This Is What Some White Conservatives Heard
"If you had to choose one moment in history in which you could be born," without knowing your circumstances ahead of time, "you wouldn't choose 100 years ago. You wouldn't choose the '50s or the '60s or the '70s. You'd choose right now," the president said to applause, striking a balance between acknowledging progress and calling out racism.
Howard University (HU or simply Howard) is a federally chartered, private, coeducational, nonsectarian, historically black university (HBCU) in Washington, D.C. It is classified by the Carnegie Foundation as a research university with high research activity and is accredited by the Middle States Commission on Higher Education.
From its outset it has been nonsectarian and open to people of both sexes and all races.[5] In addition to the undergraduate program, Howard has graduate schools in business, engineering, pharmacy, law, social work, education, communications, art, science, divinity, dentistry, and medicine.
Howard is ranked among the nation's top 150 colleges and second among HBCUs by U.S. News & World Report. Howard is the only HBCU ranked in the top 75 on the 2015 Bloomberg Businessweek college rankings. The Princeton Review ranked the school of business #1 in opportunities for minority students and in the top five for most competitive students.[7] The National Law Journal ranked the law school among the top 25 in the nation. In 2011, the Huffington Post named Howard the second best dressed college in the nation. WIKIPEDIA


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Chaos or Competency?
What if President Obama had this very day initiated his plan of attack on Syria? Would that move necessarily have been to the benefit of US or even Syrian opposition interests?
By its very nature, the venture exhibits all the hallmarks of another US-Iraq debacle with many of the drawbacks that derived from that tragic episode.
- It's the big, bad USA all over again, ganging up against a state whose considerably lower economic and military status must be obvious to the even most casual observer.
- It's an American attempt to move another Middle Eastern country into closer alignment with western modes, practices and influence.
- It's a knee-jerk reaction, undertaken by a nation prodded into action partly by its own rhetoric but also in its capacity as self-appointed policeman and arbiter of world affairs.
But there again, as the poet has said, 'it's hard to stop from being king when it's you – and in the situation.'
Question: In the context of today's global economy and power politics, just how does the US get to stop itself from being king?
Answer: It has to share kingship with the rest of the world. And the world has to know it can then exercise than power with far more ease and competency than present circumstances will ever allow.
Everything else will be forever substandard, second-rate, inferior, insufficient; the throne is empty, the rabble rule and the result is chaos.


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Brands tell your story. Brands must define your personality. Brands create emotional experiences. Brands create lasting impressions.
Branding is essential to every business no matter how large or small you are. Find your BrandVoice and get rid of the confusion.
Let us help your dreams become your reality through a strong brand!
At BeBranded we dream big -- no problem is too hard to solve, no task too daunting to tackle. We pride ourselves on our innovative + creative thinking, idea generating, problem solving, successful design + brand strategies, and inspiring visuals.
We do what we love and love what we do!
It is our mission to help you successfully tell your story.
— Copyright BeBranded 2014


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From the national Power Grid Corp news, February 25th, the United States of Houston, "Davos energy" of the Cambridge energy week in power, a theme entitled "building global energy Internet to promote the transformation of energy in the world" speech China Liu Zhenya as chairman of Power Grid Corp has aroused strong repercussions.
Daniel Yergin, President of the international energy expert and Cambridge energy consulting company, believes that the global energy Internet is a great idea that will create the world's energy structure in the fossil energy era. Energy companies in the United States, Mexico and other countries say they are willing to work together with the Chinese national Power Grid Corp to promote the global energy Internet construction.
Building a global energy Internet cooperation platform
It is understood that as a concern of the global energy market trends, new situation, new characteristics and new challenges to the international high-end forum, Cambridge energy week has been hailed as the energy of Davos, the last century was founded in 70s by Daniel Yergin in Washington, every two or three months in the United States held in Houston.
"Energy network, traffic network, communication (information) network is the three most important infrastructure of the basic network in the world. After years of construction, the transportation network and communication network have realized transnational intercontinental Internet. The energy network is bound to develop towards the global interconnection, namely the global energy Internet. In his speech, Liu Zhenya pointed out that "the basic platform for the development, conversion, configuration and use of all kinds of energy is the power grid, and the nature of the energy network is the power grid."
Liu Zhenya said, the global energy Internet is strong and smart grid in UHV power network as the backbone network, the global Internet, clean energy in the global large-scale development, allocation and utilization of the basic platform, is the essence of "smart grid of UHV power grid + + clean energy". UHV power grid is the key, smart grid is the foundation, clean energy is the fundamental. The current conditions for building a global energy Internet are already available.
China National Power Grid Corp has made many pioneering works in resource assessment, technology research, equipment development, investment and financing innovation, organization construction, planning research and demonstration projects. Liu Zhenya said that China's practice has fully demonstrated that relying on the innovation and development of UHV, smart grid, clean energy and other new technologies, it is feasible to build the global energy Internet.
He believes that the global energy Internet is a major innovation in the field of energy in twenty-first Century, and will profoundly change the world's energy development pattern. The global energy Internet through onshore grid and cable covering all continents every corner of the world, breakthrough resource constraints, energy development and environmental constraints and space-time constraints, the implementation of centralized and distributed large-scale clean energy development and use, fundamentally solve the problem of oil and gas storage and transportation, power plant pollution, nuclear waste disposal, such as carbon sequestration, let everyone has plenty of cheap and clean energy and intelligence services, enjoy a more comfortable life, more prosperous economy, more livable environment and harmonious society.
The Liu Zhenya initiative, all parties in the mutual trust and common development principles, build consensus and strengthen cooperation to build a global energy Internet development cooperation platform, to carry out joint research on major issues, to launch a number of major demonstration projects as soon as possible, promote pragmatic innovation and development of global energy internet.
Energy Internet reshaped the global energy pattern
Liu Zhenya's speech was strongly repercussions among officials and experts attending the Cambridge energy week.
Norman Bbe, chairman of the Federal Energy Regulatory Commission, said that the global energy Internet is a visionary strategy, which is of great significance and has extensive influence in the US political, energy and industrial sectors. Although the global energy Internet is facing economic, technological and political challenges, economic and technological issues are not a problem. We believe that the global energy Internet can be built. "Because the construction of the global energy Internet will unite all human beings and promote peaceful coexistence in all countries and regions around the world."
"The global energy Internet is a very pioneering and great idea, and China's national Power Grid Corp has already had a significant advantage and successful practice." Daniel Yergin, chairman of Cambridge energy consulting company, commented that the global energy Internet will play an important role in solving global energy security, environmental pollution and climate change. Considering that the distance of UHV transmission can reach 5000 km, the interconnection between continents can be realized, for example, from Asia to Europe or even farther, which will help to reshape the new pattern of global energy in the post fossil energy era.
Robert Gio, a former Vice Minister of the US Department of energy, said the global energy Internet involves three major aspects of energy, environment and economic development. From a balanced perspective, the global energy Internet should meet more people's demand for energy, so as to ensure the stable supply of global energy, and further increase the power for economic growth. From the perspective of optimizing the allocation of energy, global energy Internet will promote new energy sources such as wind and solar energy production and consumption. Because wind energy and solar energy peak at a specific time, the global energy Internet can be transformed at their peak and transferred to places where they can not produce these clean energy to provide users with access. From the perspective of environmental protection, global energy Internet to promote clean energy utilization, thereby reducing greenhouse gas emissions.
"Transmissions across borders will make countries dependent on each other, so building a global energy Internet needs to be built."


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Heritage Wood Springdale, AR
If you are looking for a sophisticated option for your new kitchen countertops, consider the Heritage Wood line. A unique blend of the world's finest solid woods offered at Hoffman Kitchen & Bath, they are both durable and beautiful.
This product is carefully selected from domestic and exotic wood species from across the globe, then carefully hand crafted exclusively for you and your home. For functionality, you'll appreciate the resistance to water, heat, staining, and scratching. To coordinate with your design plans it is available in a vast array of colors, grains, and finishes.
To learn more about Heritage Wood and other countertop options, explore our website or visit one of our showrooms. Our experts can help you find the best materials to create the kitchen you want in your Springdale area home.


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Here are the tools and services that I use and recommend to my readers. All these recommended tools are excellent in quality, and you expect cutting-edge performance from them.
Domain Names
>> Namesilo
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Enjoy $1 discount on domain registration and transfers plus free lifetime Whois privacy. [Use coupon code SaveMy1Buck at checkout.]
Web Hosting For WordPress Website
>> Siteground
Special Offer (New Customers Only)
60% Off on web hosting+Free SSL+Free site migration
Host with SiteGround (70% OFF)
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Premium Themes
>> MyThemeShop
- Fluid Responsive/Mobile ready
- SEO ready and fast loading
- No need to buy Framework & Child theme separately
- Excellent plugin compatibility
- Tons of additional features like AJAX loading, translation ready, WooCommerce ready, etc.
- Advertisement Friendly to increase your income
I'm happy to tell you that www.websitetipstrcks.com is proudly using Feminine from MTS. You can check my MyThemeShop review here that tells why I'm using MTS themes.
Writing Enhancement Tool
>> Grammarly
- Excellent spelling and grammar checker
- Vocabulary Enhancement Tool ensuring the best match words per sentence
- Plagiarism detection with scanning & relating text with the database over 8 billion web pages
- Available in different versions, a browser extension (web version), a native app for Windows & Microsoft Add-In
- Available free as well as a premium version
Get Grammarly Premium completely free for one week.
See, I Finally Tried Grammarly, And This Is What Happened (Grammarly Review)
SEO Tools
>> Keyword Research
- Google AdWords Keyword Planner
- Ubersuggest.io
- Google Autosuggest
Also read: How to Find Low Competition Keywords with High Traffic
>> Analytics Tool
- Google Analytics
>> Website Audit
- SEMrush
- SEOptimizer
>> SERP Checking
- SERPSurf
>> Title Generator
- Title Generator
- SEOPressor
>> Image Design
- Canva
- Crello
>> Image Optimization
- TinyPNG
- ShortPixel
- Compressor.io


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Please join The Circle Women's Collective for this moving Ritual of Re-Membering – a ritual that moves us into grief and sadness and then lifts us out into hope and power for transformation and change.
When: Sunday, December 6th, 2015 @ 12pm
Where: Brescia Auditorium, Brescia University College, London ON. Contact email@example.com


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by Tom Lovett, President, Lovett and Lovett Executive Search
Richard Scott, ousted head of Columbia/HCA Healthcare, collected $10 million in severance in July 1998. It was in his contract with the company. Contracts no longer contain such generous terms. And they are being used a lot more now. Before, only CEOs and other top executives were expected to sign contracts, but now, the practice has found its way to lower rungs of management as well.
According to a 1992 study conducted by Hewitt Associates, a Lincolnshire, Illinois-based consulting firm, 82 percent of surveyed companies offered contracts to their CEOs; only 35 percent offered them to more than 10 executives. Now, potential employees with marketable skills at all levels are in a much better bargaining position, and use this fact to secure contracts with highly favorable terms.
What are typical elements in an executive contract?
The basic purpose of a good contract is to avoid litigation. Settling disputes becomes simple and less expensive for both the employer and the employee with a well thought-out contract. Both parties stand to gain from the safeguards built into it. It does not have to be a long, difficult document and can be tailored to suit any employee.
While there is no "one-size fits all" template, there are some standard elements found in most contracts. Those that protect employees include the position that is being offered and accepted, compensation, whether the employment is for a set length of time or "at will," job content, responsibilities, salary reviews, vacation times, relocation costs, and severance terms. Termination and severance issues can be particularly significant. An executive may want three months of pay plus one month for each year of employment, if terminated without cause.
From a company standpoint, non-compete, confidentiality and indemnification clauses are critical. They are designed to protect intellectual property such as patents and product designs. Non-compete clauses prevent ex-employees from working for competitors for a given length of time; confidentiality bars them from disclosing company information. Indemnification clauses provide inoculation from financial losses arising from another's actions. Executives are asked to indemnify their employers against any bad-faith conduct and conversely, companies may also indemnify executives for civil litigation, but will not protect them from criminal charges.
Where are executive contracts headed?
Again, there is a noticeable increase in the number of executive contracts. Savvy executives know their worth in the market and have begun seeking companies that provide contracts. Another important trend emerging is that pay is linked to performance and this is clearly stated in most contracts. CEOs may ask for the moon and get away with it, and company boards will give them half the moon at the time of joining and half after they show results. This trend has reduced executives' clout considerably, and has increased their accountability to the board of directors. Investors are scrutinizing executive pay and perks and studying their impact on company performance and profitability like never before.
Also, boards now put a lot more time and effort into reviewing employee agreements. The average length of a CEO contract has reduced; and "evergreen contracts," common in the past, are fading away. Contract renewals are headed from automatic to not; and only 53 percent of CEO contracts contain clauses that automatically extend their employment terms, a number significantly lower than just a few years back, according to Clark/Bardes, a Barrington, Illinois based human-resources consulting firm.
Contract negotiation mantras for executives
The best time to start contract negotiations is after the offer has been made. It is good practice to take some time to review the offer, if necessary with an attorney, and then get back to the company with all the changes needed. Revisiting the contract again and again for different points may make the employee seem disorganized, a risk best avoided. Correctly assessing oneself is important – it would be wise not to be unduly modest while speaking of accomplishments. Some CEOs tend to lower the stock price of the company they leave and increase the one's they join, and such people are in great demand. Obviously, such an executive can ask for almost anything and most likely, will get it.
It is a contradiction of sorts that while more employees are leveraging their worth to get better contract terms, there is increased pressure on them to perform and live up to expectations and fulfill their obligations. Securing the best contract terms depends on many factors including past performance, current business climate and quite simply, the executive's powers of conviction. As Peter Lynch, one of the greatest investors of all time puts it, "The person that turns over the most rocks wins the game. And that has always been my philosophy."


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AS3 Cloud File Manager
Available as a free download (download button is lower down the page) with paid support
This extension package for Joomla! 3 allows you to manage cloud files stored on Amazon S3 or Dropbox. You can view your Amazon S3 objects and buckets from your Joomla admin. You can upload and delete objects, and create and delete buckets.You can view, upload and delete your Dropbox files from your Joomla admin
You can create download files and packages (consisting of multiple files), for free or for sale. The download files and packages obey the normal Joomla ACL, so you can restrict files to particular groups if you wish.
If you want to sell digital downloads you can use our download plugin for Virtuemart which is compatible with AS3 Manager.
Requires Joomla 3.
The extension is available as a free download using the download button at the bottom of the page. There is documentation available which describes the basic usage if you download if for free. If you require support for the extension you can purchase this, using the "add to cart" button. Support is valid for up to three months, and includes up to one hour of developer time. It can include such services as installation of the package, basic set-up, or help with simple customization of the extension layout.


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Haggai 1:2-11 New Living Translation (NLT)
2 "This is what the Lord of Heaven's Armies says: The people are saying, 'The time has not yet come to rebuild the house of the Lord.'"
3 Then the Lord sent this message through the prophet Haggai: 4 "Why are you living in luxurious houses while my house lies in ruins? 5 This is what the Lord of Heaven's Armies says: Look at what's happening to you! 6 You have planted much but harvest little. You eat but are not satisfied. You drink but are still thirsty. You put on clothes but cannot keep warm. Your wages disappear as though you were putting them in pockets filled with holes!
7 "This is what the Lord of Heaven's Armies says: Look at what's happening to you! 8 Now go up into the hills, bring down timber, and rebuild my house. Then I will take pleasure in it and be honored, says the Lord. 9 You hoped for rich harvests, but they were poor. And when you brought your harvest home, I blew it away. Why? Because my house lies in ruins, says the Lord of Heaven's Armies, while all of you are busy building your own fine houses. 10 It's because of you that the heavens withhold the dew and the earth produces no crops. 11 I have called for a drought on your fields and hills—a drought to wither the grain and grapes and olive trees and all your other crops, a drought to starve you and your livestock and to ruin everything you have worked so hard to get."
New Living Translation (NLT)
Holy Bible, New Living Translation, copyright © 1996, 2004, 2015 by Tyndale House Foundation. Used by permission of Tyndale House Publishers, Inc., Carol Stream, Illinois 60188. All rights reserved.
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Dr. Adam Trapp
Doctor/ Clinic Director
Dr. Adam Trapp grew up in Carlstadt, New Jersey and has led an active lifestyle since childhood. He has been adjusted since the day he came home from the hospital by his grandfather, Dr. Albert Powers. Dr. Powers served the Union City, New Jersey area for approximately 60 years and has served not only as a grandfather but as a friend and mentor to his grandson. Dr. Trapp has rarely suffered from colds or serious illnesses, which he owes to his regular Chiropractic care, healthy eating, active lifestyle and drinking plenty of water.
He earned his Doctor of Chiropractic degree from Life University in Marietta, Georgia and his undergraduate degrees from Montclair State University in Upper Montclair, New Jersey in Exercise Science and Health with additional course work to obtain his K-12 teacher certification. While he attended Montclair State University, Dr. Trapp was an active member of his Rugby Football Club.
Being an athlete, Dr. Trapp realized the importance of having his spine assessed for subluxations. However, he was putting his shoulders, arms, legs and feet under immense stress from sports and working out. This increased his awareness and passion to check those additional areas for subluxations, which lead Dr. Trapp to his next endeavor. After completing an additional 105 post-graduate hours of study, he earned his Certified Chiropractic Extremity Practitioner (CCEP) certification, which requires focusing on treatment of the whole body.
This type of treatment requires synchrony between the nervous system and the mechanical control system of the kinetic chain. Dr. Trapp believes subluxations of any joint have neurological, mechanical and nutritional components. For this reason, many patients suffer repetitive subluxations and nerve entrapments because the mechanical component is ignored, leaving root causes undiscovered and untreated. A CCEP Chiropractor easily diagnoses and treats these injuries, incorporating neurological, mechanical and nutritional treatments.
Dr. Trapp utilizes the most up-to-date principles of nutrition, detoxification, cold laser therapy, kinesiotaping, myofascial release, core stabilization, and chakra balancing to restore health, posture, and the natural healing potential of every patient. His primary techniques and methods of analysis are Diversified/Full Spine, Thompson Technique, Neural Kinetic Integration, Brimhall, Quantum Neurology and Clinical Biomechanics of Posture. Each of these techniques dynamically blends some of the greatest Chiropractic techniques, having a synergistic effect on balancing the entire body in a neurological, mechanical or nutritional way.


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Hello AF Poets! Not yet confirmed by moderators, but I have a 2nd Poetry contest in the works which will show a number of enhancements from the 1st. I won't leak everything, but the 2nd one I can confirm will have..
- Enhanced voting system
- Gimmicks added
- Wild Card AND a voting system which will have people from other websites and Xbox(my friends list) voting for their favorites.
It will be a bit like Americas Got Talent.. More if confirmed.


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Outfit Details:
White Off the Shoulder Tee (on sale for $20!) | Light Wash Denim | Lace Up Heels | Hat | Crossbody Bag
The other day in Santa Barbara we stopped by Paseo Nuevo to have lunch and do some shopping. It is such a gorgeous area and every time I go there I feel like I can't stop saying how beautiful it is. We stumbled upon this epic staircase after lunch and I had to stop and take pictures. I have literally never seen a more beautiful staircase in my life! If you're in the area, you should definitely stop by.
As for my outfit, I stayed casual with an off the shoulder tee and light wash denim. It was sunny outside so I threw on my favorite hat and cross body for a day full of exploring the city. This off the shoulder tee is so comfortable and perfect for all summer long. I can't believe it's only $20!
Thanks so much for stopping by!
XOXO Cassie


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The main reason you get so hot while wearing a regular cotton baseball or military style hat is because those hats actually trap and retain heat from your head, on your head, compounding the problem. The Urban Canairie hat employs an exclusive patented design to keep your head, face and eyes in the shade while minimizing heat build-up on your head. The main functional features of the Urban Canairie hat are an oval, head shaped flat top and a surrounding mesh vent strip that promotes the movement of air around the crown of your head. This allows heat to escape from the top of your head.
The Urban Canairie is made from strong lightweight materials with light colors to reflect the sun's rays, further reducing heat build-up. The bottom side of the visor is anti-glare: a darker color that absorbs light, minimizing the amount of light that reflects into your eyes. Inside the hat, the headband is made with a sweat absorbing, moisture-wicking material.
The main components of the Urban Canairie sun hat are made from a durable and lightweight polyester and cotton blend, composed of 65% recycled water/soda 'P.E.T.' bottles and 35% 'G.O.T.S. certified' organic cotton. This was chosen to reduce landfill waste through recycling, and to minimize pollution via an ecologically friendly and sustainable process for dyeing and finishing this fabric.
Disclosure: Urban Canairie contacted me with an offer to try their hat. It was provided at no cost to me. My only responsibility was an agreement to complete this review after trying the item. I was not pressured in any way to make a positive endorsement.
The Urban Canairie hat comes in three sizes. Small for those who like their hat to sit high on their head; Large for those who like their hat to fit low down on the sides of their head (sitting on ears); and Medium for in-between. The hat circumference is a "one size fits most" which ranges from size 6-7/8 (head circumference of 21~1/2 inches or 55cm) to size 7-3/8 (head circumference of 23~1/8 inches or 59cm) via a velcro strap which allows for precise adjustments.
I found the Urban Canairie to be quite comfortable. It is easily adjustable with the velcro strap in the back. Make it as snug or as loose as you like. On a day that started off chilly in the morning, I was able to fit it over top of my ear band by adjusting the strap.
The mesh vent really works. It is breathable. Air gets inside and heat goes outside. Usually my hair gets pretty wet after a day of hiking when I wear a conventional ball cap. I found that to be less the case when wearing the Urban Canairie.
Sure, it seems a little funky looking. But so what. You can't see it on top of your head anyway. And if your pals give you a hard time, tell them they just aren't yet in the know.
Like most caps, the Urban Canairie is easily cleanable with water and a toothbrush at the sink. Simply brush the dried perspiration salt away.
I tested this hat in mostly mild winter weather, so I really wasn't able to achieve the full benefit. The Urban Canairie is likely to become my hat of choice in the heat and humidity of summer. Simply put, the concept works.
There are two colors to choose from: wintery white and arctic stone (grey) and three sizes. The hat sells for US$35 and can be purchased directly from Urban Canairie.
The Urban Canairie hat comes with a money back guarantee if not completely satisfied. Get free shipping on orders of 2 hats or more from Urban Canairie.
Disclosure: Urban Canairie contacted me with an offer to try their hat. It was provided at no cost to me. My only responsibility was an agreement to complete this review after trying the item. I was not pressured in any way to make a positive endorsement.


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Crime Prevention Through Environmental Design (CPTED) Program
Crime Prevention Through Environmental Design is a partnership with the KCMO Police Department. The goal of this program is to improve the neighborhood's safety and appearance. Repairs within this program are mainly exterior lighting, sturdier doors, or new window locks. There are commercial and residential grants available.
Call 816-221-0286 for details!
Healthy Homes Program
This program is a partnership with Children's Mercy Hospital. It includes free home inspections and healthy home counseling. To be eligible at least one child in the home must have asthma and the home must be within the Kansas City metro area (MO and KS).
For more information, call 816-960-8919, or visit the Children's Mercy website.


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You are about to enter a website that may contain content of an adult nature.
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Lunar Reconnaissance Orbiter: the cornerstone of the vision
by Taylor Dinerman
|It can be assumed that the primary goal of this project is to map the Moon's usable resources for planning ISRU technologies.
The meaning of the data from the 1994 Clementine and 1998 Lunar Prospector missions is still being debated. We know, for example, that there is plenty of hydrogen on the Moon, but we do not know what form it is in or what it is chemically bonded with. It would be nice if the LRO can confirm or deny the presence of water ice in the dark craters of the south polar region. Choosing the right instruments to do this should be at the top of any list of priorities.
Water is the second most valuable substance in the solar system (the most valuable, of course, being human brainpower.) In his April 1st testimony before the House Science Committee, Paul Spudis said that, "We estimate that over 10 billion tons of water exist at the lunar poles." If he's right, then the vision to build the Moonbase, to perfect ISRU technology and then go on the Mars, will be possible within roughly the time frame laid out by President Bush. If the water is not there, or if it is there in forms that make it difficult to extract, then the whole project will need to be rethought.
There are a number of other imperatives for the LRO instrument package. It must include instruments to produce a detailed topographic map of the whole lunar surface. This means that a state-of-the-art laser altimeter must be included. There must also be a pan- chromatic one-meter resolution or less imager, and a multi- or hyperspectral sensor. Magnetometers and some sort of ground penetrating radars are also desirable.
It is not likely that a suitable instrument suite can be made to fit inside the 40 or 50 kilo payload capability of a Delta 2. In order to put a probe into lunar orbit, enough propellant must be included so that the spacecraft can slow itself down. Unlike Mars, where the thin Martian atmosphere allows for aerobraking maneuvers, all of the energy needed to move into a capture orbit must be brought along from Earth in the form of hydrazine or another type of fuel.
|Since the people who handle space budgets inside the Pentagon are desperate to see more EELVs fly, it is likely that they will be willing to look for innovative ways to help the LRO onto a more powerful rocket.
If NASA plans to launch LRO on a Delta 2, as most observers assume, the payload limits will probably ensure that the limited data that will be transmitted back to Earth will not be enough to accomplish the mission's most important goals. If, on the other hand, they decide to upgrade to an Atlas V or Delta IV EELV class vehicle, the mission design team will be able to put together an instrument package that will weigh in at 120 kilos, or more. This, along with enough fuel to maintain a low altitude orbit around the moon, will produce a spacecraft that will accomplish all the main objectives.
Upgrading from a Delta 2 to an EELV will probably not cost more than 10 or 15 million dollars. Since the people who handle space budgets inside the Pentagon are desperate to see more EELVs fly, it is likely that they will be willing to look for innovative ways to help the LRO onto a more powerful rocket. In the case of the LRO, the more fuel it can carry the better.
ESA's SMART-1 mission is on its way to the Moon, and Japan has two missions planned: Lunar A, to be launched in September of this year and Selene, whose launch date is planned for August 2005. The data from these missions will be helpful, but they are not geared towards gathering resource inventory data for ISRU. Only the LRO is specifically designed for this mission.
This is critically important to the vision, since the Moon is only the first place that such an inventory will be taken. If LRO is done right, we will have a model for the future. If it is done wrong, not only will this be a waste of time and money but it will put the whole vision plan into jeopardy. Getting this right the first time will require proper funding and superb mission management. This will be a test that NASA, Code T, as well as the Administration and Congress, dare not fail.


text: The structural, sky-high shoes at Marc Jacobs ' fall 2009 runway show tonight elicited more than a few gasps from fellow editors. If it was any indication of the shoes' comfort level, some models seemed to teeter down the very long runway in the curved-toe, chunky-heel styles. Thankfully, Jacobs sprinkled in some chic, if not less gasp-inducing, flats. \u2014Violet Moon Gaynor Photo: Imaxtree Click here to see the Fall 2009 Fashion Week Roundup


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Diamond Island Retreat
"Your holiday begins here…"
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Facilities at the Retreat
Where Are We?
Pictures around Bicheno
Pictures around Bicheno
[Show slideshow]
Boats at rest in the Gulch
Diamond Island from the Retreat
Diamond Island from the beach
Redbill Beach
Nearby Rice Pebble beach
Tassie Devil at the nearby wildlife park
Kangaroos feeding at the wildlife park
Hello mister Kangaroo!
Crystal clear water...
...and pristine white sand.
Some local beautiful flora
The blowhole in a big easter swell
Walk across the sand spit to the island
Stunning sand and sky
Fairy penguins near the Retreat
Crystal clear pools in the granite rock
Penguins on the path
Feeding the kangaroos
Stunning Wineglass Bay in the Freycinet National Park
The sun sets with a rich red glow
Sunset above Diamond Island
A friendly kangaroo
Bicheno from the lookout
The blowhole
If you are lucky you will see dolphins
Search for sea shells
The sandspit links the island at low tide
A whale off the blowhole
Perfect beaches
Walk to the Island- April
Beautiful April morning
Pasinis- a great place for coffee, lunch or wood fired pizza!
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If you own a PlayStation 4 and don't currently have a PlayStation Plus subscription, Sony will be allowing you to play online for free this upcoming weekend.
Announced on the US PlayStation Blog, Sony says the free multiplayer weekend runs from Friday, December 11 at 12:01am PT through Sunday, December 13 at 11:59pm PT.
Sony's Andy Lum explained:
To get started, log on to PlayStation Network during the free weekend period, launch your favorite multiplayer game, and you'll instantly have access to multiplayer with your friends. There's no membership commitment required to try out online multiplayer during this period.
In addition to online multiplayer on PS4, a PlayStation Plus subscription grants you access to the Instant Game Collection. The titles you can download for free this month include Gauntlet: Slayer Edition, King's Quest Chapter 1, Freedom Wars, and Far Cry 3: Blood Dragon.
Sony didn't say if the promotion would extend to Europe.
Will you be taking advantage of the free multiplayer weekend?
[Source: PS Blog]


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Q. Now that we've discussed a man's looks, let's talk about the looks of the average female. I personally believe the average female looks better than ever with access to amazing makeup, other beauty products, and stylish clothing (most especially those tights/yoga pants that makes almost any woman's ass look great)
A. I think we need to differentiate between beauty and beauty products. As you know, I tend to stress the importance of fundamentals a lot. You do the same with your statement that guys should be the best version of themselves they can be. What I see with beauty products, however, is that there is a sizable number of women who seem to think that beauty products and nice clothes are more important than, say, being toned. This reminds me of a time when I hung out with a friend in Berlin-Mitte, a business and prime residential area. He seemed very impressed by the looks of some woman walking past He saw a perfect ten. I saw a thick layer of makeup, a fake nose, fake lips, fake tits, and most likely hair extensions. I also noticed that she was "skinny-fat". In my view she was not attractive at all. I think the big difference is between just looking at how some women present themselves, and picturing them naked. I really don't care all that much about fancy clothes and makeup and whatnot if a woman isn't in decent shape. On the other hand, I find that a slender, toned woman with attractive facial features, or even one with a plain face who is in great shape, is much more likely to turn my head than lipstick on a pig with bolted on tits. So, sure, on average women could look better than ever, but if they don't exercise, then those yoga pants won't look quite as good on them.
Q. As somewhat of a byproduct of this, I think there's more of an obsession with women now than ever. I never thought about it much until more recently, and it's quite common on parts of the net for men to make women their main priority and base EVERY decision they make as to whether it will help them score with more women or not. Although these decisions often pertain to their physique, style, and grooming, I wanted to specifically touch on finances. Lots of men ponder on ways to get more money in order to be more successful with women. While having more money will improve your chances, I think you should focus on making more money so YOU have less financial worries and so YOU can pursue your hobbies and such. It's my belief that taking a job you don't particularly like to begin with or working an extra 10 hours a week just so your girl can have the credit for the afternoon is a TERRIBLE idea/situation. In fact, I think men should run from women who are ONLY interested in them because of their finances. Could you expand on some of the points I've made here?
A. Of course you normally need to be able to make a living if you want to get anywhere with women. On the other hand, the difference between an okay salary and the kind of money you make after a couple of promotions is hardly earth shattering. I'm not talking about outliers like people who make partner at a law firm or in consulting or anything like that. For most guys, a bit of extra money will allow them to get a slightly nicer car, or a bigger place in a slightly more attractive part of town. However, on a salary you will most likely never make the kind of money that would allow you to get a penthouse, a new sports car every year, or a nice table at a club in St. Tropez, with bottles of champagne and half a dozen models that get seated next to you because you tipped fantastically well the last three nights.
I certainly see that a lot of men live well beyond their means, hoping that this will allow them to score with the ladies. Those 30k millionaires, as they are affectionately called, seem to be missing a part of their brain. They would be much better off just getting a high-class escort every once in a while instead of trying to attract the kind of woman they could impossibly keep around. So, let's say they meet some up-and-coming model in an expensive club: do they think they will now be able to jet-set around the world, stay at five-star hotels and dine in the finest restaurants? If it's not that and they are merely after a gold-digging secretary who is barely a 7 but thinks she's easily a 10: sorry, guys, but you're a bunch of idiots.
Instead, you are infinitely better off if you get a job you enjoy enough so that you don't hate yourself and that allow you to have a private life. You'd be surprised how easy it is to pick up women if nothing fazes you. Thus, you'll probably do a lot better if your work is okay and it doesn't stress you very much, which means that you don't need a couple of beers after work to numb yourself, or end up sitting four hours an evening in front of the TV. A related trap too many guys seem to fall in is to live for some unspecified moment in the future. In the middle ages, priests told the unwashed masses that everything is fine and dandy because the hardship they endure will be rewarded in the afterlife. Today, people dream of whenever they get their next promotion, which allows them to get a new car, or they fantasize about their great life as pensioners. This may be well and good if you're close to retirement age, but if you are 30 and have similar thoughts, you are borderline insane. In fact, I had a conversation somewhat like that some years ago, and a guy of roughly my age said that he rather saves up so that he can enjoy his retirement and enjoy his "golden years". I raised an eyebrow, and in the end his wisdom culminated in the statement that once he is 60 he surely won't regret not having fucked x number of women 30 years ago, but instead will enjoy the good life has to offer. Of course, this was a rather extreme case. Yet, it's not at all uncommon that people don't fix their life today, and instead always intend to take action at some vague point in the future. However, your quality of life will only get worse. You have about three good decades on this planet, roughly your early-to-mid-20s to your late 40s, if you are lucky. If you don't make some experiences by a certain age, then that window will have closed for good. Once your finances are totally secure and you think you can now, finally, enjoy life, chances are that you're 45, overweight, and full of pent up sexual frustration.
Q. I agree. When it comes to obsessing over women I think one part of the net that is the absolute worst for this is the manosphere/"red pill" guys. I personally find these sites to be useless and I'd advise guys not to pay any attention to them. However, I can't force guys to do anything and it's my belief that most young men who read these sites would have to feel pretty lousy about themselves. Basically EVERYTHING you do in the run of the day should be done in a manner that will help you hookup with more women. There's certainly no denying that women can get "slut shamed" for their behavior. However, it's my belief that these "red pill" sites often "hookup shame" men. Men are are basically told (in as many words anyways) that they're a "loser," a "beta male," or a "cuck" if they can't get "pull" that blonde at the bar on the weekend or they don't have 20 women crawling off them at all times. Ironically, I often wonder how well some of the "leaders" themselves do with women. Can you expand?
A. I fully agree with you. Frankly, the core issue of the manosphere is that those people are full of resentments. True, some of the things I write about women are a bit negative as well, and women can indeed be a huge drain on your mental energy with some of their behaviors. However, some women are really great to be around. Hanging out with a young good looking woman who is a bubbly bundle of joy, and who loves to have sex with you, is one of the best things life has to offer. This doesn't mean that there aren't a lot of bitches and uglos on this planet, though. The issue for the frustrated men of the manosphere, is that if you hold resentments against women, maybe just because no girl wanted to kiss you in high school, or no chick in the club ever grinds her ass into your crotch, you are going to suck. They look at you and if they are not completely drunk, they realize that you're human garbage that should not engage in any kind of sexual activity. Without a positive attitude, pickup is a waste of time — and now picture a stereotypical manospherean: inexperienced, rejected by Western women, and harboring delusions of grandeur. How is he supposed to get anywhere? A large part of that community seems to do nothing but jerk each other off while thinking of all the women they would bang if they only travelled to the flavor of the month third-world country.
Q. That's an interesting point you made about having a positive mindset with women. It's quite difficult to meet women if you despise them. There's no denying that women can a pain in the neck at times, but as you said, it's a great feeling to go on date/date a really beautiful and fun woman. One thing I can't seem to understand for the life of me with these guys is why they are constantly complaining about how women are such sluts nowadays? It's likely true that the average woman is more promiscuous than ever, but shouldn't this be good for them since they're supposedly such "players" to begin with? If they were actually getting laid all time as they claim (highly unlikely) then they should be happy about this. Shouldn't they?
Well, sluts are women who have sex with everyone but you. Thus, it doesn't take much to realize where this conundrum of the manosphere originated from.
Q. Speaking of the player lifestyle, it's my belief that it's not for everyone and some men are much happier with a girlfriend but get it in their head that they should be trying to pickup random women all the time. It's also my belief that guys don't want to be seen as the "beta male" for wanting a relationships so they play off this "tough guy" act instead instead of going for what they really want with women. I've certainly met quite a few men over the years that if they so desired could be cleaning up with women but prefer to date one girl exclusively. Thoughts on this?
A. Of course. I'd say any guy who is able to keep a high-quality girlfriend could easily clean it up with the ladies. I would say this is self-evident, so there is not much to add.
Q. Vert true. Also, even though a man may be able to hookup with a lot of women, there's certainly no lack of potential drawbacks. You run the risk of contracting an STD, an unplanned pregnancy (or at the very least, a pregnancy scare). If a guy is really serious about this, he will really need to shake up his life a lot as was mentioned by Paul Janka in this podcast I did with him. Also, in your book "Club Game" (which I recommend) you discuss this in the chapter, "Making it a lifestyle." Men may need to put themselves in a location that will be more optimal for this lifestyle. For example, your current location may not be so great for meeting women but your job is amazing and your career is really taking off. If you were to move, you may get a job that pays worse but you have easier access to a lot of women. Living in downtown Montreal comes to mind as a place that is AMAZING for a single guy who has things in place. There's several reasons for this and this article sums it up quite nicely. It's quite cheap with 4 star apartments going for as low as $900 (Canadian currency) per month on St. Catherine's (aka street that has like a gazillion shops and "9"s and "10's" roaming the streets like you wouldn't believe) including all utilities. However, it may be difficult for a person to find good employment in Montreal and it's also difficult to get work there if you can't speak French. So there's definitely trade-offs to your living setup. Obviously the best setup would be to live in a city where you can make good money/advance with your career and then have easy access to women when you have free time. Thoughts on this?
A. I encounter this trade-off a lot. For instance, in Germany there are a lot of so-called hidden champions, i.e. companies you've never heard off but who make hundreds of millions in revenue and dominate their particular niche. They also tend to be located in the middle of nowhere. You can probably see where this is going. Well, to make it a bit more interesting: I once had a fling with a woman who worked for such a company, accounting, I think. Anyway, she travelled for an hour to Berlin every few weeks just to party, and as luck would have it, she eventually ended up with my dick in her. I visited her once, and she tried really hard, it was quite comical in fact, to convince me how great life in her 20,000 people shithole was. Her rent is cheap, nature is relaxing, there is a nice delicatessen nearby, and there are a lot of young, educated people around! Well, what really was the case was that apparently all the hot women left that town, and the influx mostly consisted of male engineers, and apparently some misguided career women, too. Some of the pairing you would not have believed: decent looking guys, in shape, tall, educated, good salary, and their girlfriends looked like dogs. There is always the issue that some guys just don't know what they could get and settle for scraps. However, a regular, well-adjusted guy is arguably a lot better off trying to find a decent balance and focus more strongly on lifestyle than career. A few extra grand a year amount for very little if there is nothing you can do with it. This goes back to what I previously said about putting one's life on hold.
Q. Speaking of career, I'd like to hear you share some thoughts on the current job market. There's no doubt the economy is rough and it's my belief that an education is more important now than ever. However, even though I find most of the "red pill" advice useless, I do agree with them on the fact that an arts/science degree by itself with no intent of going further is going to put you into massive debt and get you a job that barely pays much more than minimum wage, or at best, a shaky substitute teaching gig. I think trades are definitely on the rise, and although some may not be able to afford an expensive education program, I do believe you need some type of training to get ahead nowadays. Could you share some thoughts on this and perhaps comment on some "trends" or areas you think may be in high demand for years to come?
A. Personally, I think that taking on massive debt for education is a rather risky proposition. Exceptions are if you get into an M7 business school or a T14 law school. Law seems to have gotten a lot more competitive, so even a T14 offer may not be a guaranteed golden ticket anymore. I am not even sure that a STEM degree is necessarily a good choice. In the last few years we witnessed a myriad of initiatives to increase the number of STEM graduates. However, if demand was as high as those initiatives were suggesting, then salaries surely would be higher. Basically, in the US tech salaries have been flat for about two decades, if you take inflation into account. However, compared to many other professions, salaries in tech are still rather high, which is arguably why initiatives like Code.org are so heavily supported by industry (just have a look at their partners: https://code.org/about/partners).
Still, in the mid-to-long-term a STEM education is most likely your best bet. If you don't want to bother with university, pick a trade that can't be easily automated. The problem is rather fundamental because society is running out of work. This has been going on since at least the 1970s. To fudge the numbers, the higher education sector was then massively inflated. It's apparently better if Joe and Jill study some bullshit major that conveys no marketable skills instead of working for Starbucks straight away. I'm not even joking. After the most recent financial crisis we have seen jobless growth. Most new jobs have been in the service industry, while many formerly well-paid jobs simply disappear. Software is indeedeating the world. Even highly-specialized professions are getting threatened by automation. Today, computers already produce news articles for business and sports (https://www.theguardian.com/technology/2015/jun/28/computer-writing-journalism-artificial-intelligence). Pilots may disappear, cab drivers too. There may even be much less of a need for lawyers and doctors, since computers can automate some time-consuming and error-prone tasks (https://www.theguardian.com/technology/2014/jun/15/robot-doctors-online-lawyers-automated-architects-future-professions-jobs-technology).
But even if you think that you'll get ahead of the curve and get a degree in Computer Science, or fall for the coding bootcamp marketing spiel: that won't be a guaranteed career either. We are currently already in a tech bubble with fantasy evaluations of "unicorns" en masse. This means that there will be a contraction sooner rather than later. On top, there are mind-blowing inefficiencies in software development, some of which are structural. If inertia will not lead to fundamental changes, then a CS degree will be an excellent bet. On the other hand, there is the potential for disruption. As a taster, check out this Wired article on WhatsApp (http://www.wired.com/2015/09/whatsapp-serves-900-million-users-50-engineers/). They need 50 engineers to service 900 million users, which was only possible by being bold enough to use a niche programming language that excels at precisely one task. In an alternative universe, WhatsApp has 2,000 engineers that write messy Java code.
To read part 3, click here.


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