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Finding the Market Value of Financial Advice
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Imagine (it's easy if you try) a world where financial advice was priced by a competitive and efficient market in which everyone understood what they would get for what they paid. Now that would be a beautiful thing. One of our most controversial and commented-upon articles here at Y &T is our look at MER fees and the overall compensation model the investment industry encourages. Before I get onto my soapbox and talk about how Canada would look if I was made Czar of Financial Regulation for the day, I should preface my comments with the statement that I don't think being an investment adviser makes you a bad person! Cue the usual *I've got several friends who are _________*. But seriously, I think a lot of investment advisors get into the industry because they want to help people in an area where there is a huge deficit of knowledge, and make a little money doing it. In my opinion, the main problems all revolve around the compensation models and the general structure of the financial industry. If you look through the comments of that the aforementioned article, you'll see several investment advisors that are well-intentioned and bright individuals – this doesn't mean using their services in the current context is a good idea however. As a side note, another of our popular articles here at Y & T revolves around real estate commissions. I find it humorous and interesting that real estate agents and investment advisers love to point out the flaws in each other's compensation structure on a public forum. "Hey pot, have I introduced you to kettle?" 😉
Why You Should Get Financial Advice From Somewhere
Before I get all negative and piss off the money caste that runs most peoples' retirement savings accounts, let's start with some of the reasons you should probably get some professional help with your financial life:
1) Statistically speaking, most people have no idea how to manage their own financial affairs, including credit, budgeting and an assortment of other personal finance basics.
2) For certain niche parts of personal finance such as writing wills, or making sure you're at peak tax efficiency, it is often beneficial to enlist the help of a specialist.
3) Just from an investment standpoint, peoples' instincts are hardwired to do exactly the wrong thing when it comes to investing money (in regards to dealing with risk and being loss-averse). For more information on this check out recent books such as Sway and Thinking Fast and Slow.
Investment advisors can help to some degree in all of these areas. Industry propaganda is not wrong to state that on average, people with financial advisors are better off than those that don't. Now the level of causation vs spurious correlation amongst those statistics is certainly debatable. One thing is for certain, depending on your level of personal finance knowledge, and your motivation to learn more, the services of a financial advisor will have varying levels of value to you.
In other words, people who read PF blogs will need much less from any sort of financial advisor than people who aren't really sure how a mortgage works or what a mutual fund is. Some people might only need help with certain aspects of financial planning such as how to best organize their small business they're starting on the side. Others might need a much more comprehensive package that includes things like insurance information and help understanding the principles behind credit/debt (since we refuse to do this in schools).
Mo Money Mo Problems
Hey, I sympathize with young people out there who are drawn to a career that involves providing financial services for people. Even if you want to simply get paid "fairly" for what you do for a living, it is very difficult to simply put out your shingle and become a fee-only financial advisor in Canada today. Canadians are used to paying $0 in upfront fees for their financial advice that I'm sure it is extremely difficult trying to convince the average person they are better off giving you $1,500 upfront than it is to say, "I've got this fund that has beaten the market for the last five years, not only will it make you rich by the time your 65, it will also pay me at the same time." Since the average person has very little understanding of what fancy terms like "diversification," "return on investment," or "Management Expense Ratio" mean, it is much easier to work within the current structure than trying to reform it. Not only that, but several advisors have pointed out to me that the major players in the financial industry have access to advanced software that would be very expensive to obtain on an individual basis if they were to set up shop for themselves. In today's world of open-source software I question how long that advantage can last, but I understand the allure of putting your energy into benefiting from the current system as opposed to trying to change the way the game is played.
One thing is for sure, with robo advisors and online-only banks such as Tangerine coming in and disrupting financial norms over the last couple of years the traditional way of doing things is going to feel some heat. As more and more "digital natives" come to an age where they have financial assets to manage (it will happen eventually guys – I swear it!) their inherent distrust of these commission-based models is going to make itself known. Just look at how quickly Wealthsimple went from start up to managing over a billion dollars! See our Wealthsimple review here and use our exclusive promo offer code to give their services a try for free.
Who Couldn't Use a Little Transparency?
Wouldn't it be great though if it didn't have to be this way? What if it was the norm was to be able to call four different financial advisers and get an upfront price quote for the piece of your personal financial plan you needed help with? Right now, the debate amongst DIY people like me (who hate mutual funds and all the structural inefficiencies they spawn) and financial advisors boils down to if the sacrificed returns someone will have to suffer if they go with an advisor is worth the help they provide with all of the other aspects they help with other than investments (since there is no data out there that supports the idea that anyone can pick mutual fund winners ahead of time). I think there is a very solid argument that only a very few advisors could provide enough value to offset the aforementioned loss of investment returns; however, even if one takes a position favorable to the industry in this debate, I think everyone would admit that most people really have no idea how or what they are paying for what they are getting. What this results in is a very inefficient market.
It also allows the few fee-only advisors on the market right now to charge a solid premium for their product since there isn't much competition for their niche. My theory is that if the whole industry moved this way (through education of the population or through regulations) people/clients would be far more able to understand exactly how much they were paying for specific financial services. Consequently, the competition within the sector would almost guarantee fee-only prices would go down, and investors would see far less money piled into terrible-performing mutual funds. After all, it isn't like there is a shortage of financial advisers out there – in fact they're almost as numerous as know-it-all personal finance bloggers.
This transparent pricing would also have the side benefit of giving personal finance advisors much more positive incentives to always put the best interests of their clients first. There are obviously many advisors that do this already; however, there are also many advisors that recommend their clients take large investment loans that don't make sense for their situation, or tell them to put money into investment products as opposed to paying down credit card debt (which they get no compensation from). This doesn't get into smaller issues such as recommending one insurance company over another simply because of commission rates, instead of suitability of the product to the client. In a more transparent market, advisors success would ultimately depend on their ability to help their clients out the most, for the least amount of money (providing the best value for their service). When you combine that hypothetical advance with the easy comparison power of the internet, I think a beneficial market for all involved would evolve rather quickly. Doesn't that sound much preferable to the current system that exploits a gaping hole in our education system and which a massive majority of the population doesn't really understand?
So then the question becomes, who stands to gain from the current model, and why haven't we changed already?
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29 Comments
I'm very interested as this whole thing plays itself out to see where the baseline cost of financial advice goes. There is such a wide range of models right from the uber rich who don't really care what the fees are as long as they perceive that they are getting value for their money. I read an article the other day that some hedge fund managers charge 2% of assets plus 20-50% of profits and billions of dollars are being invested in these funds, right down to the diy investors that don't perceive any value from advisors and are unwilling to pay anything for services. And finally the hybrid where people will pay $1-3K for a financial plan and then have to go to another person to implement the plan and pay fees for their products anyways. It will be an interesting next 3-10 years as it shakes itself out.
What would be the ideal model in your mind?
Here's the article I was reading talkjng about the one guy that has a 50% performance fee
So you prefer the Australian model where the client physically writes a cheque? Or are you fine with a % of assets fee arrangement?
Honestly, for me it really doesn't matter what kind of compensation model exists. Good advisors will be successful under any model. One of my colleagues was talking with a lady from Great Britain about how their experience with the change. Because it was new, clients had an adjustment phase and a lot of new young advisors were forced out of the business, but things settled down eventually and there are a lot of positives. When people see exactly what they are paying, they will evaluate the services they receive, and decide what to do. I'm not convinced that fees will come down overall, they will just change how they are paid. I could be wrong. One concern I have is that if clients are faced with physically writing a cheque, they may abandon seeking advice altogether, and that would be a detrimental outcome. Other than that I welcome any changes, like I said, good advisors will thrive in any model.
On the other hand, part of me doesn't get what the big deal is. If you know your MER, what difference does it make who gets paid what out of it. The whole trailer argument about conflict of interest is a little bit of a red herring. Mostly the trailers are standardized and the ones that vary, it's not worth the time and effort to alter a whole block of clients to get .3 basis points of comp difference, it will cost you way more in time and energy to set it up than it's worth. I read an post by Boomer and Echo the other day about restaurants and how they make money through different cost strategies. However, when I go and buy a meal, I don't really care what the cook, waiter, host and owner get paid. I just care if I enjoy the meal and decide if the experience was worth the $.
Some thoughts FWIW
interesting read. As the real issue is not so much fees as it is value and disclosure IMO; teacherman, what is your experience with both a fee only financial planner and a financial planner that deals with an embedded commission? Positive? Negative? Indifferent? (this is obviously assuming that you have dealt with both structures for your personal situation)
So you have paid for advice?
Or more specifically paid for advice from a financial planner(cfp)
So you got a lawyer to perform legal service
But is it really that different? As there are "seedy" lawyers and advisors, let us assume that we are discussing reputable trustworthy individuals that are are "competent" in their respective fields. How is that value determination different? (good discussion btw haha)
Sorry to insert myself here, but they are maybe not as different as you may think. You paid $800-$1000 for your legal advice/service, but how much did the lawyer get paid out of that? How much did his secretary get paid? How much went to overhead? How many hours did the lawyer spend on the documents? The difference is that the lawyer is giving you a one time service that has a definite conclusion, but what he gets paid is not necessarily as clear as you may think. Also just like any business, they are trying to maximize billable hours vs amount of work done to take care of their responsibility to make money for the firm.
When you purchase an investment, you know exactly what the MER is, ignorance of the basics of MER's is no excuse, they've been around as long as investments have been. It is also not a static solution like getting a will drawn up, or buying a house. It needs to be managed and adjusted on an ongoing basis justifying an ongoing fee. In fact, someone with $10k to invest would pay a far lower cost than someone with $100k for pretty much the same amount of work and advice. One may be able to argue that in a fee for service model where you would charge $1000 for an investment plan regardless of assets, those just getting in would be potentially subsidizing the larger plans and paying significantly higher % for advice.
In reference to MER, we are not talking about mutual funds are we? as ETFs have a MER as well… as well as segregated funds. All of which are neither good nor bad. They are simply tools for specific jobs. I won't comment on ignorance of MER understanding but the average investor does need to learn more about his or her finances.
But how is it difficult to compare the two "compensation packages"? We have no idea what the lawyer is actually earning as income from the fee and it doesn't really matter does it? and the same goes for financial planner. The cost of the legal "stuff" is $800-$1000. The cost for the investment if the MER is 1.6% on your $100k is $1600.
TM – I think one of the problems we're running into is that we are comparing 2 services, a lawyer and financial advisor that are doing 2 different types of jobs. One is a task that has a specific start and completion date, the other is an ongoing plan for advice and direction. The other thing that's happening is we are comparing ETF's that have no built in cost for advice, guidance or direction to a Mutual Fund that assumes in it's model that there is a value for the advice and guidance being given. What happens if we go to a fee for service model that charges $1500-$3000/year for an investment plan and it's implemented with an ETF portfolio? I'm not so certain it will be much different than the current model we're in. There hasn't been long enough to study the different models around the world but early research is suggesting that the costs are not significantly different from current models and there is some research showing that the costs of an unbundled compensation structure actually increase to clients.
Please don't take this as me defending the mutual fund industry or bundled compensation, all I'm saying is that the dramatic differences that some think it will make, might not be all they are cracked up to be.
This is my favourite part: financial advisors are "almost as numerous as know-it-all personal finance bloggers." Oh, the PFHacks…bless them.
Alright, one more comment and then I'll drift off into the sunset on this topic. I'm going to get away from the passive vs active debate on fees and get back to the original point of this article, finding the value of an advisor. Not sure if you have seen these studies, but here are 2 interesting ones that try to quantify this very question.
While there is more work to do to clarify this particular study and get more detailed results, here is one conclusion they had. It's refering not to ROR, but to the disciplined savings rate of an identical person with or without an advisor:
"From these numbers and using statistically significant coefficient estimates (See the
final column of Table II1.2), one can infer that for two identical individuals, the one with a financial advisor will have 106% more financial assets, or 2.06x the level of financial assets of the non-advised respondent."
And one study from the States looking at guidance vs non-guidance in work based 401k programs.
"When considering the difference in median returns across the different age groups, Help participants, on average, experienced returns nearly 3% (292 basis points) higher than Non-Help Participants, net of fees. The performance difference ranged from 2.53% to 3.40% across the age groups."
Not sure if that helps or not, but they were the best ones I could find that try to actually quantify results that you may be able to value in dollars and cents what you would be willing to pay for that type of guidance.
There in lies the crux. People are inherently irrational.
I am aware of the causation and correlation arguments. It is definitely one of the areas that needs to be studied more to make sure they can isolate those variables. But you will notice that I tried to isolate the data that corrected for those problems. In the Canadian study the conclusion I quoted was corrected to be the exact same person w vs w/o advice. In the US study it was an isolated group with the exact same investment options and corrected for age, income and savings rate. It would be fairly reasonable to extrapolate that if they had a basket of index funds and ETF's to choose from (they didn't outline what investment choices there were), the results would be exactly the same, that those that sought advice would outperform by 2-3%. The reason being that left to our own devices without accountability, we inevitably make poor choices. We actually see this if you look at fund flows of ETF's and Index funds. Investors constantly sell when they shouldn't and buy when it's most expensive. And this is the platform that is supposed to be a passive strategy. Investors are inherently impatient. You can see this in the comment section of your Investors group post well. We are coming up on 6 years of the TSX returning almost exactly 0% and you can see the frustration that they lost 8% one year. If they had used an index strategy, the frustration wouldn't be any different because even though we say we understand the market, we behave contrary to that knowledge.
The value of financial advice is so much more than picking an asset allocation and letting it ride with 30min of maintenance a quarter. The platforms, plans, products, strategies and client management will always need a specialist to help the masses. There may be a select group that take the time to understand, implement and succeed, but I figure it's kinda like me doing the electrical work when I finished my basement. It's pretty easy to learn the basics, and you can do it yourself. But for the masses, there is the potential to screw it up with disastrous results. For that reason there will always be a market for financial advice that has value far greater than the fees that we pay.
On a side note, I have to admit that I am severely disappointed in you. I thought you were an overly analytical information geek such as myself, so I made sure to pick a Canadian study that had data showing that committed DIY investors actual perform better than those with advisors. But since we can throw away the study funded by major Canadian finance institutions, it must not be true 😉
[…] and the do-it-yourself thing is a bit too risky for this large amount.
It is fine to go to a fee-only financial advisor. Then would you
take this 'financial plan' to some-one who was going to invest for you?
Then this second Advisor, how is he/she going to be paid?
And this second person, are they not going to have their own opinions
on the first person's plan?
If you are going to invest yourself, then you only need yourself,
but you still have to pay a broker.
If you do it for yourself, it is a full time job.
Investment Policy, tracking the investments and analyzing
Managements Performance and putting the whole thing together.
It is all set up to make money for Tax Advisors, Lawyers,
various kinds of planners, various kinds of Brokers and Investment People.
Meaning that it only works for the extremly wealthy who don't have
time to notice the fees that they are paying as they still get
to keep a significant amount of money.


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Niche, a national website that provides parents with information on the best educational resources in their area, recognized six schools Lexington County School District One schools in its top 20 South Carolina elementary, middle and high school rankings. Lexington High, Meadow Glen Elementary, Meadow Glen Middle, New Providence Elementary, Pleasant Hill Middle and River Bluff High all earned a spot in their respective categories.
Lexington County School District One received an A+ in activities and administration; an A- in teachers, health and safety; and an A in sports and facilities, as well as a B+ in academics, diversity and college prep resulting in an overall A- — earning the district the ranking of second best in the Columbia area.
Every Lexington District One school earned a B or higher.
According to their website, Niche bases rankings and grades on a rigorous analysis of academic and student life data from the U.S. Department of Education, along with test scores, student proficiency, teacher salary, parent surveys, college data and ratings and heavily weighted academics information collected from millions of Niche users.
When comparing all 81 school districts in South Carolina, Lexington District One ranked fifth overall, eighth in school safety and ninth in best places to teach.

subset: commoncrawl


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Saturday, July 14th
2 – 3 pm
Dolly's is excited to be hosting local author Patty Rayman, who will be discussing and signing her book Humans Think. Animals Feel.
When you learn to think like your animal friends, you can improve their behavior. This book details compassionate problem solving strategies to get your dog to listen, your cat to be easier to live with or your horse to work in partnership with you. You don't need to develop any new talents or rush out and buy a crystal ball, just use some of your best mental and emotional skills in new ways. You spend a lot of time, money and energy on your animal companions, so take this opportunity to create the most respectful and satisfying relationships possible.
Patty Rayman has worked as an Animal Communicator for more than 15 years and has been featured on TV and has also hosted an Internet radio program. She has clients worldwide and has worked with many types of animals including, birds, reptiles, farm animals, show dogs and competitive sport horses. In addition to doing home visits and phone readings, she does fundraising events for animal rescue organizations. She teaches Animal Communication classes through Lifelong Learning at the University of Utah as well as private classes.


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Traffic Control Training
Roads and Maritime has now incorporated nationally recognised training into its suite of training courses for traffic controllers and those involved in traffic management.
The implementation of a competency based training framework will lead to higher standards of training and a consistent approach to qualifications. All training and assessment programs will be linked to nationally recognised competencies.
The benefits of adopting a nationally recognised framework includes:
- Quality training and assessment from approved training providers
- A lead to recognition across all states and territories
- Flexible training and assessment options
- Easier recertification process
- Tailored training and assessments
All training organisations that provide traffic control training and assessments must be approved and registered. Registered training organisations can tailor training and assessments to suit customer needs.
View the list of Approved Training Providers.
As of 1 July 2015, the following courses are available:
- Traffic Controller
- Implement Traffic Control Plans
- Prepare a Work Zone Traffic Management Plan.
View the Traffic Control Training Course Overview.
Related information
Phone: 1300 828 782
Email: firstname.lastname@example.com
Post: Traffic Control Training Unit, PO Box 972, Parramatta NSW 2124
View or download the Traffic Control Training Course Overview (PDF, 191KB).
View or download the list of Approved Training Providers (PDF, 183KB).
The TCT – Replacement Photo Card Application form (PDF, 221KB) is to be used to apply for a replacement traffic control photo card for cards that have been lost, stolen, damaged, destroyed or not been received. This form is also to be used for a change of name.
Please contact the Traffic Control Training Unit on 1300 828 782.


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Welcome to Zelda LIMS. This LIMS contest works like all other LIMS, but this one's subject is only the Legend of Zelda series, whether it's video games, the cartoon, or anything else you can think of. At the beginning, a number of iconists will make icons according to a certain theme assigned. Each week, a certain number of participants will be eliminated from the contest and can no longer participate. At the end, only one iconist will be the winner. The prizes, as of now, are not yet determined. I can't really offer much outside of graphics like icons or a layout for anything you choose, but hopefully this won't affect anyone's choice to participate in this fun challenge!
01. Each week a new theme will be assigned, whether it's a specific saying, image, or just a word that you may interpret. You are required to submit an icon using that theme as a guideline. If you fail to submit your icon, you will be eliminated from the challenge after you use your skip.
02. You are given only one skip. I know that things will suddenly come up at the last minute so it would be useful to you to keep your skip only for emergencies. Otherwise, you must leave me a comment telling me you will not be here next week, and I will give you the theme in advance. I can't really do much with keeping you in the competition if you have a family emergency because the voting post will be put up shortly after the deadline.
03. The icons for this competition must be new. I must not have seen them before. You also cannot post them anywhere until the entire competition is over or you have been eliminated. They also must be made by you.
04. A main focus of this community is the critiques. Each voting post, you will be asked to explain why you don't like an icon. I don't want short one-worded critiques. Please have them a little more descriptive. These are examples of ones I will NOT accept:
"I dunno; I hate that icon style."
Explain WHY you don't like it, or explain why you don't like that icon style on that particular icon. Your vote will not be counted if you make a critique like those.
05. You are not allowed to give out your identity until you are eliminated.
01. Sign ups for round one are now open. Please refer to the sign-up post for more information.
02. You submit your icon as so:
03. Remember that you will be making critiques on the icons you don't like. You are not required to critique the icons you vote for as your favorites, but you are always encouraged to.
04. Each vote as a favorite awards the maker +3 points. Each vote as a least favorite gives the maker -1 point. The icons that have the least amount of points will be eliminated.


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Are you cheating on your future with your past? I have forever been one of those individuals that suffers from post holiday depression where I've had such a good time off that when I come back, I become a limp and lifeless lump. Unable to see joy in anything but the holiday photos and the reminiscing of time away from reality. However I've had a revelation that has removed all signs of these 'blues' and allowed me to actually enjoy being back.
I was on holiday in England and Portugal. There was sun, surf, friends and fun times. There really was all that, I'm not not just saying that for the poetic alliteration! And there was 3 weeks of it, which made it all the more sweeter. However upon thinking of heading home I started to dread being back at work. I stressed upon the dramas at work I'd have to endure. I became anxious over the tasks I needed to progress and the responsibilities I had let go of since being on holiday. But then I stopped. I realised this was a downward spiral of thinking. I focussed on the here and now. That's when I realised that my mind was running off on a worry tangent. That those thoughts are all imagined and are only the negative possibilities. I also realised that I have plenty of great things to come back to, seeing my family, being able to spend more time on my business, surfing my local beach. At that point I felt pretty calm and saw the folly of my thoughts.
If I distil this into something more general, it comes down to two simple things:
- having an appreciation of what you have, whether it be the physical and tangible like your comfy sofa you've missed or positive possibility and opportunity like celebrating a friend's birthday.
- controlling any foreboding of the future or longing for the past. Its natural for your mind to prepare for bad things that could happen regardless of how realistic it actually is. Whilst its nice to reminisce of good times past, to hold onto it at the expense of the good things that are or could be happening, is fool hardy.
Past, present and future. Of those three things only one is real and tangible however the mind doesn't focus on that one. Become aware of your thinking, focus on the here and now with appreciation and positivity and those post holiday blues will vanish.
Do you get the blues when you come back from holiday? Or do you feel you worry over the past and future? How do you overcome it?


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- How do I pay to use the bus?
Answer: The fare must be in exact change only. The bus operators do not carry cash to make change. Or, you may purchase a bus pass for monthly calendar use. See our fare page for pricing details.
- Where can I buy a bus pass?
Answer: Bus passes can be purchased at our Campbell Court Transfer Station located at 17 West Campbell Ave in Roanoke. Information Officers can explain the various passes available. Or, your can purchase via the mail sending your personal check to:
Valley Metro
PO Box 13247
Roanoke, VA 24032
Please note: Credit cards are not accepted.
- What time does the bus come to my stop?
Anwser: Please consult our bus schedule link. If you have challenges with understanding the schedule, you may call our offices at 540-982-6622 (toll free 800-388-7005) or visit our Campbell Court Information Office. You may also pick up a Commuter Bus Ride Guide with complete information on all bus destinations and times at Campbell Court and other locations around town.
- If I need to take more than one bus to get where I'm going, do I need to pay each time I board?
Anwser: If your destination is Downtown Roanoke, and you need to connect to a Valley Metro regular route bus, ask for a Valley Metro transfer which will be punched for two free rides on that date only.
- How do I let the bus operator know when I want to get off the bus?
Anwser: Pull the cord, located on each side of the bus. Make sure to pull the cord about a block from your stop so the bus operator has adequate time to make a safe stop.
- How late do buses run?
Anwser: The last buses leave our Campbell Court Transfer Station departing at 6:50 p.m. arriving at the end of the line (Squire's Student Center) at 8:10 p.m., Monday through Thursday. On Friday and Saturday the last bus leaving Campbell Court is at 8:20 PM arriving at Squires at 9:40 PM. Returning to Roanoke, we depart at 8:20 PM from Squire's arriving at 9:40 PM at Campbell Court Monday through Saturday. There is no later bus leaving Squires Student Center.
- Can I bring a baby stroller on the bus?
Anwser: Yes, however the baby stroller cannot block the aisle for safety reasons. It must be folded up and placed between seats.
- If it snows, what changes can I expect with the bus service? (needs map)
Anwser: Many snow events do not require Valley Metro to go to snow routes. However, when it is determined that the road conditions make it necessary to use snow routes, we will immediately post information on this web site and contact all local media (radio & TV stations) and ask them to inform the public. Click here to see a map page of our snow routes. If the roads conditions are bad, we many not be able to access the Corporate Research Center.
- If I left an article on the bus, how do I get it back?
Anwser: All articles left on our buses are turned in to our dispatch offices. You must come to our Administration Office Building to sign for and retrieve those articles. The Administration Office is located at 1108 Campbell Ave. SE, Roanoke. Hours of operation of our lost and found department are 8:00 am – 4:00 pm, Monday - Friday. Articles are kept for 60 days and then discarded.
- I am in a wheelchair; can I still ride the bus?
Anwser: All of our buses are equipped with wheel chair lifts and are ADA compliant.
- Are the RADAR vans that I see in Roanoke a part of your service?
Anwser: We contract with RADAR to provide our STAR Para-transit services for qualified individuals. These individuals may have a physical or mental condition that prevents them from using our regular fixed route service, whether or not a bus serves their area. For further information see our link to STAR.
- I qualify for Para-transit in my hometown, I will be visiting the Roanoke Valley, how do I use your Para-transit services?
Anwser: Before visiting our area, please call our offices at 540-982-0305 (7:30 am – 4:00 pm, Monday - Friday) to arrange transportation through our STAR service. You may visit and use our services for 21 days.
- I will be moving to the Roanoke Valley and I qualify for Para-transit in my hometown, how do I sign up for your STAR service?
Anwser: If you are pre-qualified for Para-transit, call our office at 540-982-0305 (7:30 am – 4:00 pm Monday – Friday) so that we can expedite your application process.
- Can I bring my pet on the city bus?
Anwser: Assistance animals (i.e. guide dogs, etc.) are welcome on the buses. All other animals must be in a pet carrier.
- Does your organization rent or charter buses?
Anwser: No. Valley Metro/Smart Way Buses do not provide charter bus service because state and federal regulations prohibit us from competing with local charter service vendors. The same regulation also prohibits us from renting buses to private parties.
- Where do I park in Roanoke when using your Smart Way Bus?
Anwser: Effective immediately 9/25/19 until further notified, free parking at the Gainsboro garage is no longer available.
- Is there bus service on Sunday?
Anwser: OUR BUS SERVICE DOES NOT OPERATE ON SUNDAY, however, if you take THE SMART WAY BUS to the Roanoke Regional Airport, and you will be returning to this airport on a Sunday, be sure to ask your driver for an "Airport Transfer." The driver will ask you your date of return, and mark it on this transfer. Save this transfer until your Sunday return. There are two shuttle options available to you, provided by Roanoke Airport Transportation Services. You must report to their desk, which is right outside of the baggage claim area. The times for their two shuttles are at 2:30 PM and then again at 6:30 PM. This shuttle is operated by Roanoke Airport Transportation Services, and you must arrange this transportation through their staff at their desk. They will honor your Airport Transfer, and return you to your point of departure… and will only charge you FOUR DOLLARS, just as if you were taking the Smart Way Bus! Valley Metro will pick up the balance of your tab! This is our way of offering limited Sunday service for the convenience of our riders.


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Martha Stewart -- just "Martha" to some of you, "Ms. Stewart" to others, the queenly doyenne of all that is good and domestic to still more -- often talks of marketing, and we don't mean it in the traditional sense (although she does have a handle on that as well).
We're talking rather the art of going to market, the careful choosing of the most exquisite shallot, the gleamingest apple, limes that are sublime.
Now Ms. Stewart is making for one of the original markets, a market so famous it has "market" in its very name: Farmers Market. The best-selling author and television star and media mogul and chicken raiser will be signing "Martha Stewart's Dinner at Home" at cooking store Sur La Table -- which is on the east side of the landmark -- starting at 5PM on Monday, October 19th.
She was in Carlsbad on Sunday the 18th, and her next appearance after Farmers Market is in New York. So Angelenos, this is your Martha moment. Best get there Monday night.
And recs for Ms. Stewart... While you're at Farmers Market, be sure to try the divinity at Littlejohn's Candies. The queso at Loteria. And anything from Moishe's (although the muhammara is especially tempting).


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Vintage frames are everywhere this season from the red carpet to the runway to the faces of our favorite A-listers around the globe. If you have yet to be inspired to get your own pair, these retro-chic frames by FACE à FACE will do the trick.
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I came across a bunch of fabulous family based articles fabulous in the site Rewardme and it inspired me to write my own on the subject of family.
My grandparents celebrated their 50th wedding anniversary yesterday. Being a weekday, the party consisted of a small affair. The major party comes this Sunday.
I've spend all my childhood with my grandparents. I am more close to them than my own parents so every little occasion in their lives is a cause of celebration for me. Rather than having a big party on the weekend with every relative coming in and taking precious time all to themselves, we planned on organising two parties, one just for the closest and the other for a broader group.
Here's a behind the scenes basic guide to planning a fabulous family party.
Venue, food and guests:
If time and space permits, I guess the best way to celebrate a 50th wedding anniversary is to replicate a glamorous wedding. If that is inconvenient in terms of time and space involved, it's better to go for a theme based party with a least of inconveniences. We chose a great restaurant and designed the spread and paid the advance. This would eventually be a great get together and also would be easy on us on the day of the actual party where we can spend time connecting rather than making last minute re-arrangements.
For the day of the anniversary I chose one of the best reviewed restaurants in one of the best hotels in the city. Planned the order before hand, got the reservation done and went and gave a wonderful experience for everyone, especially for my grandparents to have all their children and grandchildren around.
Pre-plan and invite before:
The specific invites were sent out well over two months ago so that all my grandparents' favourite people could fly over for their 505 wedding anniversary.
I chose something that they would like and could use rather than those gifts sitting in a closet or on the shelves. For my grandmother, it was a perfume, roses, a pair of diamond earrings and a pair of massive gold studs that she could wear specifically for the main party and look as close the bride she was 50 years ago. For my grandfather, an embossed clock, and lots of goodies that he likes to munch on pretty much fit the bill.
An integral part of the planning. Nothing looks as good as fresh flowers for a party. Flowers were sent from all over country and made a great day for them.
How would you plan a great event for some one you love, especially one that is as important as your grandparents' 50th wedding anniversary.
I am participating in the 'Ready For Rewards' activity for Rewardme in association withBlogAdda.


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Disclaimer: The Fandads have partnered up with Fandango for this giveaway and receive compensation for this team up. All thoughts and opinions are our own.
We previously did a post with some activity sheets for Cars 3 and we have some coloring sheets to keep you and your children busy if you want to relive revisit some of your favorite characters from the hit movie. There is also a giveaway, but you must keep reading.
We have some cool coloring sheets for you to print out and color with your children. These sheets have three of your favorite stars from the new movie: Lightning McQueen, Cruz Ramirez and Jackson Storm.
Print out your coloring sheets here.
We have teamed up with Fandango to giveaway five $25 Cars 3 gift cards to our lucky readers. To win a gift card tell us in the comments below which of the three Cars movie is your favorite and why. Post your answer in the comments below and five winners will be selected on Tuesday, July 4th.


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LGBTQ Leadership Institute
Meet our 2019 LGBTQ Leadership Institute class!
2018 LGBTQ Leadership Institute class
View the 2018 LGBTQ Leadership Institute class' National Coming Out Day video project here.
What: Four month educational program to build LGBTQ leaders
Where: Sessions will be held in the Des Moines area, but individuals across the state are welcome to apply and participate. Stipends for travel and other costs to attend sessions may be provided based on participant needs. We intend to build capacity to expand this program to other areas of Iowa.
Who: Twenty to 25 LGBTQ individuals who aspire to be visible leaders. The program is open to people of all ages–with a strong emphasis on transgender individuals, people of color, and women–who meet one of the following:
Newly out
Aspiring to move up in their career
New to their career, position, or central Iowa community
Want to engage with and give back to the LGBTQ community
March 5, 2019: Applications open
April 15, 2019: Applications close
June 1, 2019: Participants announced
June 15, 2019 to October 13, 2019: Sessions held, participants will need to block off the following dates and times:
- Saturday, June 15: all day
- Sunday, June 16: all day
- Tuesday, July 2: 4-8 p.m.
- Tuesday, July 23: 4-8 p.m.
- Tuesday, August 6: 3-7 p.m.
- Tuesday, August 27: 4-8 p.m.
- Tuesday, September 17: 4-8 p.m.
- Saturday, October 12: all day
- Sunday, October 13: all day
LGBTQ History:
By understanding LGBTQ history, participants will be able to articulate our community's journey and pay homage to the many trailblazers who have pushed our movement forward, especially right here in Iowa.
Participants will explore who they are and what makes them unique. By reflecting on how their experiences, values, and environments have shaped them, they will better understand their own
leadership style.
Resilient leadership:
Being an out LGBTQ leader can be difficult. Participants will learn strategies to overcome adversity despite obstacles they may face.
Individualized Planning:
Participants will create a multi-year individual plan to help them achieve their leadership goals both during and after the program. Community experts will provide a support network as each individual crafts their plan.
Through these plans, participants will find entry points for broader community engagement that fit their goals (nonprofit boards, community organizations, running for office, etc.) and receive support in pursuing those goals.
Project: Hands on experience to apply practical skills LGBTQ Leadership Institute class members develop through the program.
Nearly half of LGBTQ Individuals do not share their identities at work according to a 2018 Human Rights Campaign report. When people are out at work they have greater job satisfaction, increased productivity, and improved job retention.
LGBTQ leaders improve environments for other LGBTQ people by being out.
For example, even a small number of LGBTQ legislators significantly increases the chance that LGBTQ rights protections will be passed.
LGBTQ leaders can inspire their closeted peers to come out and encourage LGBTQ youth to become leaders, perpetuating a cycle of empowerment.
LGBTQ Leadership Institute class members gain access to leadership opportunities in their community and interest areas, in addition to networking opportunities with established community leaders. 2018 LGBTQ Leadership Institute graduates have used their Institute experience to join boards and commissions, start their own nonprofits, become certified advocates, pursue their passions through academic research, and more.


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Rick is a native of Pensacola, and graduate of the University of West Florida, where he received a B.A. in business administration. Rick was a Division I athletic scholarship recipient. After graduation, Rick launched his sales career in Atlanta, GA with a Fortune 100 company, where he began his specialization in business to business sales. It was in this capacity that Rick developed the skills necessary to negotiate and construct contracts that tenaciously protect his client's interests. This skillset eventually led to a successful six year sales career, proceeded by two years as a specialized industry consultant. Rick is a family man with a devotion to God, his beautiful wife and two wonderful daughters. An athlete by nature, Rick shares his talents by coaching youth baseball. He stays active by lifting weights, playing with his children, enjoying watersports and working in the yard. Rick has been trained and inspired by some of the best from Dale Carnegie, Tom Hopkins, Jim Rohn and others. He enjoys the process of personal development and continually challenges himself to expand his philosophy of life. A true entrepreneur at heart, Rick spends much of his free time dedicated to developing businesses and investments.


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Yay! I finally got to try Blue Star in its home state and it is just as good as in L.A! I did have to wait 45mins, but it was freezing outside so we took the time to warm our fingers and toes! I always get the rasberry donut and it never disappoints! The facility is clean and decorated with a modern flair. Blue Star donuts always remind me of a dense yummier funnel cake/donut, comeeeee way better then the other place I shall not name!
We tried Cointreau Crème Brulee donut (filled with vanilla custard and came with a small pipette filled with sweet and bitter Cointreau syrup) and old-fashioned buttermilk (my boyfriend liked it, to me it was cake-y, a bit dense and nothjng special).
This location seems to be busy all the time because it's right in downtown and has a lot of foot traffic. But the line goes quickly. Sneak in front of the line to see the selections.
In my opinion, Blue Star has the best donuts in the city! The donuts seem less greasy and the flavors are more creative and more "gourmet" than the competitors. Mexican Hot Chocolate, passion fruit, etc.
Donuts donuts donuts! Great place with tasty treats. You can get your regular or try something new here. I'm never disappointed.
A new Blue Star donuts just opened up near the house in the SW waterfront area just on the south side of the park. These guys make the best donuts in town in my opinion. Voodoo Donuts are not good. Get there on the early side as they tend to run out of some of the flavors. Also have good coffee available.
I really liked Blue Star Donuts! The only downside was that the donuts weren't kept beneath warming lamps or heated up in any way before they were handed over, which I felt would've really added to the whole experience as far as flavor and smells wafting out into the street to draw in more customers.
Many visitors go to Voodoo Donuts but locals like Blue Star better. It is on Hawthorne and about a 15 minute walk from my house.
In the competition between Blue Star and Voodoo. Blue Star wins. We came here the last day of our trip, we waited about 20 minutes in line and we choose four donuts! My favorite is the Blueberry Basil Donuts and the Mexican Hot Chocolate! IG @missericayvette
We went later in the day, around 7pm and they were sold out of most of their flavors and my donut was definitely cold, but the donuts were still really delicious! I had the blueberry cake, which wasn't anything exceptional but I enjoyed it and my friend had the olive oil orange donut which was delicious and unique. I think we will try to go back in the morning one of these days to get the full experience.
Most out of towners visiting the Rose City have heard of Voodoo, but to locals, Blue Star is a local favorite!
Delicious! Had my first Blue Star donut thanks to the storefront at PDX and I'm hooked! Unique and delicious flavor combinations, quality ingredients, and a funky atmosphere. Seating here in minimal, but it won't take customers long to scarf down their delectable purchases!
Voodoo Doughnut is like the fun family member while Blue Star is the quality time member you bond with. Both have their own positives.
I prefer cake donuts, which Blue Star tends to have more of. However, when I arrived around 5 PM after my happy hour nearby, the selection was sparse.
I ended up getting a Green Tea and a Mexican Chocolate. The guy working there, seeing that I was disappointed with the selection, threw in a freebie Cinnamon Sugar for me. How thoughtful! :)
Since I couldn't finish all 3 by myself, I focused on the one I liked best. Which was the Green Tea. It had a rich matcha flavor, in cake-like form. Yum!
The Mexican Chocolate had that spicy kick, which I'm sure others would love, it just wasn't for me. The Cinnamon Sugar, was light enough. I ended up giving my leftovers to a homeless person.
Worth a visit!
I came in I ordered pb&j and chocolate almond and I conquered. A must hit up spot if your in downtown.
If you are into donuts and really don't like waiting the lines for Voodoo donuts, and actually want some better don't, you must try these!
Amazing donuts! Always a long line, but totally worth it! You really can't go wrong
The Raspberry Rosemary donut will change your life. The flavors are outstanding and the cake donut construction will amaze you! The donut is soft and moist, but the outside is a little crispy. Must go!
Forget VooDoo unless someone famous recently passed. Blue star is gourmet and sells out and closes its doors. Bourbon or blueberry or old fashioned buttermilk.
Donuts for grown ups. Expect a line but well worth the wait to try at least once. Interesting flavors including their most popular blueberry bourbon basil, hard apple cider fritter, and passion fruit cocoa!
If you like cake doughnuts well then this is your place. Cake doughnuts with a multitude of toppings. Long line is due to service, yes one girl taking orders and money. One person filling orders in between texting and moving as slow as possible.
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I love the smell of She utter and think it is a great nourishing natural butter and this adds natural peppermint , ginger oil, tea tree and lemon which make it smell great too.
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HOW TO CHange status within the U.S.
- Apply and get accepted by an SEVP-certified school.
- Receive an initial Form I-20 "Certificate of Eligibility for Nonimmigrant Status" from the school with the 'Issue Reason' stating "Change of Status".
- Go to FMJfee.com to pay the I-901 SEVIS fee.
- Check the "Guidelines to Change Status" to make sure that you are eligible.
- If you are eligible, carefully read "Instructions for Form I-539".
- File the Form I-539 "Application to Extend/Change Nonimmigrant Status".
You may enroll and begin studying while your change of status application is pending if you meet the following conditions:
- You are eligible to change status
- You have submitted an application to change to F or M student status
- You are not currently in the United States on a visa waiver program or on a B-1/B-2, C, D, K, S or V visa
- Receive a Form I-797A "Notice of Action" which will include an updated Form I-94 "Arrival/Departure Record" with your new status and the day you must depart the United States .
If you are changing status from B-1/B-2 to F or M student, you cannot begin your studies until your change of status is approved by USCIS. If USCIS has not adjudicated your change of status at least 15 days before the program start date on your Form I-20, contact the DSO at your new school. You may need to defer attendance. If USCIS denies your application, be prepared to leave the United States when your current status expires.


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Uberfan Jesse James of Jesse James Comics interviewed Tony Parker. He then blackmailed us into running the results. Please don't shoot us, Mr James, we surrender!
It's very rare to go into one of the 16 stores in Arizona on a Saturday, and not see a Creator hanging out. They are either doing a signing or just chatting with owners or customers. So, the first time I walked into Atomic Comics there was this guy, at a table, with tons of art work. He was talking to someone so I kind of leaned over to look at his work and then realized this was no Rookie, this guy was very good. Over the last 3 years I have become friends with him. We have had a lot of conversations about the comic book world and of course his love for the Seattle Seahawks. He is one guy you would stack BB 's for and be by his side in battle. His Name is, Tony Parker, he has taking some time to talk to us about how he started and where he wants to go in the World of Comics.
At what Age did you say "Lets do this?"
It's always been there, but the path twisted around a bit. It wasn't until my senior year in college that it fully settled in. I was finishing off my second half of a Criminal Justice/Psychology Dual Major, and realized fully that neither were for me. I was graduating Cum Laude, and was offered Grad level studies, but I respectfully turned them down. I was taking about two lines of notes per class, but filling a page in a sketchbook in that class time. I tried the self taught path for a while, but with no success. Thankfully, I was able to take art classes from an amazing instructor who kicked my ass from Hell to Breakfast, and help put me on a great path.
Who's art style first caught your eye? Did you have a mentor in your career?
I still remember picking up that issue of Uncanny X-Men #248 at a 7-11 off the campus of University of Alaska Fairbanks, and incessantly tracing and copying from it. He totally asploded my mind. Michael Bay scale explosion scale. As far as a mentor, I've been lucky to have been artistically helped by some incredibly talented individuals. Peter Steigerwald put up with my constant hassles at comicons, and gave me great advice. Mesa Community College Professor Jim Garrison was the one who kicked my ass from the previously mentioned Hell to Breakfast taught me how to draw. I had multiple streams of help from other creators who helped me grow artistically as well. I learned business the hard way, but listen to all entertainer business types. Living vicariously is a valuable thing. Side note-make sure to research any company that you might work for, and never be afraid of walking away from a bad offer.
Did you start out doing the Marvel/Dc characters first in your career or was it more your own expression of what a hero would look like?
I went a third way. I was work for hire, starting with fantasy and the Warhammer properties.
How did your Boom, Do Androids Dream of Electric Sheep help you out in growing your style and your overall career?
They were great about letting me take risks. The risks started with storytelling, then developed to allowing me to use an ink wash/line technique that people seem to enjoy. I try to see drawing as being similar to acting. There are nuances that can be changed to help reinforce the story. DADOES also brought me international exposure. It caught me off guard when French websites started asking for interviews. Before DADOES, no one outside the Pen and Paper RPG community had heard of me. After, a few people have vaguely heard of me.
How did you handle working on a maxi-series of 24 issues and always keep coming up with fresher ideals towards the end?
Working on it long term actually made it easier to come up with new ideas. The longer I worked on it, the more I could focus on the storytelling and adding both nuance and easter eggs. A lot of this is because as you're working on a book, ideas come to mind. Often, they come too late for the pages you're working on at the moment. They get stored away, often never to be heard of again. Working on a longer series allows for these ideas or snippets of ideas to be used. I heard that it takes about 4-6 issues for an artist to get a good feel of a book. I support this theory. By the end, I was able to add both subtle and blatant metaphorical layers to the book without taking anything away from the amazing source material.
Tell the Bleeding Cool Fans about your new assignment with Aspen's Dead Man's Run?
Sweet merciful crap, it kicks ass. Prison break from Hell. That by itself is amazing. Add in the stellar Greg Pak writing, it jumps up a level. I get giddy every time I get a new script. I want to draw the whole book in a day, just so I can see the end result. Like Walking Dead on AMC, Terminator 2, Aliens, and many more classics of entertainment? That's Gale Ann Hurd and Valhalla Entertainment adding their brilliance. Mix in the utter beauty of Aspen Studios (Peter Steigerwald coloring colors, David Curiel coloring interiors, and Vince Hernandez editing), and whoa Nelly, it's a recipe for awesome. I'm just happy to be on board. I'd add more about Hell being a physical location under a Federal Prison in the California Desert, a brilliant cartographer, a war hero with a shady past, AND GOING THROUGH HELL, but I don't want to spoil anything.
What impact has Greg Pak made on your work?
First off, his amazing writing forces me to bump my work to a new level to try to keep up with him. He also has a great sense of visual storytelling, and gives me suggestions to improve the book. He's also an incredibly nice and friendly person who is a wonder to collaborate with.
How does the con circuit effect your deadlines?
Tremendously. I only do a few shows a year. I love the interaction with fans, and I am incredibly appreciative of all of them. However, I figure that they'd rather have a book show up on a regular basis, than meet me. I have to plan for shows at least a few weeks out to compensate for missing a couple days of work, and even then I usually end up working at the hotel room after the con floor is closed.
How do you feel now that you're doing more portfolio reviews? Does it help your confidence that more people are asking for your opinion?
I'm just happy to help when I can. I'm appreciative that others value my opinion, but I understand that it's just one persons view.
Your thoughts on digital?
Total double edged sword. It's a great option for those who have limited storage space, and those who don't live within the practical range of a comic shop. However, it's important that brick and mortar shops stay around not just because I have many friends who run them, but for the industry itself. There's something for not only the tactile reaction to reading a physical copy, but the option to browse books that might not have a good digital presence. It's all about finding that balance.
You're a very strong supporter of Hero Initiative. Can you tell us how important this cause is to both to yourself and other creators out there who haven't had the chance to experience this great Honor?
It's pretty much summed up in the mission statement. If it wasn't for those that came before me, then I wouldn't be doing what I love to do. It's the least I can do.
I've called you the Iron man over the last couple of years. What keeps you going?
I love what I do. I haven't worked a day in years. I just feel bad that I can't help out more, in both the local and national comic scene.
Three writers you would love to work on a project with in the future?
I can't mention the one that I'm working with now, since I'm working with him currently, and don't want to add any awkward pressure (though I'd absolutely love to). I can't also mention the writers that I'm ecstatic to be scheduled to work with, as I don't want to say any spoilers. That being said, I'm going bold and breaking the mold. I'm listing five, knowing they're all impossible. Should Steven Moffat ever do comics, I'd love to see what he would bring. Between Jekyll, Coupling, Doctor Who, and Sherlock, I'd love to see what he'd bring to Comics. Grant Morrison, especially with new or unestablished characters. He does great with characters he's free to play with. Alan Moore, fully knowing that I'd have to add a day to the week to read the scripts. Joss Whedon, but that's pretty much everybody. Finally, Katsuhiro Otomo. I'd learn Japanese to make it easier for him.
Any secret upcoming surprises for the Bleeding Cool fan?
If I told you, your heads would explode like Scanners.
Your favorite character to draw?
Varies from day to day, sometimes changing midday.
How about a book that you'd love to work on?
As silly as it sounds, I care more about the story and the writing. If I want to draw a character, I can do it when I have a spare minute. Now getting a great script and being able to be on a team that tells a great story, that's something special.


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We offer an extensive range of Panel Saw. The special purpose machine founds its applications in modular furniture kitchen it is act as a wood working machine. The salient features of these machines are degree rotations in cutting it is also having right angle cutting with heavy duty structure. To make sure the strength & proper cutting it is come up with extra support for wood sheet. The main features of these machines can be judged by its high precision and the sheet which passed it through has long lasting life.
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Brutal Measures [Lydia Lunch & Weasel Walter]
Joe Coleman, Michael Foster
Berlin - NYC
25 Avenue A
New York, NY, 10009
This event is 21 and over
Brutal Measures [Lydia Lunch & Weasel Walter]
Brutal. Beautiful. Heartbreaking. True tales from America's dark side...
Lydia Lunch is passionate, confrontational and bold. Whether
attacking the patriarchy and their pornographic war mongering,
turning the sexual into the political or whispering a love song to the
broken hearted, her fierce energy and rapid fire delivery lend testament
to her warrior nature.
Queen of No Wave, muse of The Cinema of Transgression, writer,
musician, poet, spoken word artist and photographer, she has released
too many musical projects to tally, has been on tour for decades, has
published dozens of articles, half a dozen books and simply refuses to
just shut up. Brooklyn's own Akashic Books have published her
anthology Will Work For Drugs, as well as her outrageous memoir of
sexual insanity Paradoxia, A Predator's Diary, which has been
translated into seven languages. She performs in a variety of mediums,
is a rabid collaborator and continues to release new music as well as re-
issuing classic material such as her spoken word indictment against
patriarchal idiocy, The Conspiracy of Women through Nicolas Jaar's
label Other People.
Weasel Walter (first name, last name) is a Brooklyn, New York based
multi-instrumentalist, composer and improviser best known for leading
the seminal punk-jazz/no- wave/brutal-prog band The Flying
Luttenbachers between 1991 and 2007 on 16 full-length releases.
Seamlessly uniting the intensity and abstraction of improvised music
with the nihilist aesthetics of extreme rock forms, Walter is committed
to violent momentum, idiomatic unpredictability and rapid articulation.
Expert in the underground music scene of the late 1970's, Walter has
lectured at various Universities including Bard, San Francisco Art
Institute, University of Chicago in Paris, and penned the introduction
for Marc Masters book NO WAVE, seen as the definitive history of the
New York movement from which Lydia Lunch emerged in 1977 with
her first group Teenage Jesus and the Jerks.
In 2012, Weasel Walter began working with Lydia Lunch as musical
coordinator and lead guitarist for RETROVIRUS, a retrospective,
which spanned the spectrum of her musical legacy from No Wave
Skronk to bludgeoning Hard Rock and sleazy Jazz Noir to propulsive
Psychedlia. RETROVIRUS has just released their second full length LP
URGE TO KILL in the USA, Europe and South America.
BRUTAL MEASURES combines the dynamic spoken word histrionics
of Lydia Lunch, one of the genres most controversial performers with
the improvisational virtuosity of Weasel Walter to create an intimate,
terrifying and even hilarious evening of musical verite.
Joe Coleman
Joe Coleman is a world-renowned painter, writer and performer who has exhibited for four decades in major museums throughout the world including one-man exhibitions at the Palais de Tokyo in Paris, the Kunst-Werke Institute for Contemporary Art in Berlin, the Barbican Centre in London, Tilton Gallery and Dickinson Gallery in New York. He was recently featured in the ground-breaking "Unrealism" show in Miami presented by Jeffrey Deitch and Larry Gagosian. His performance work from the 1980's was some of the most radical of its time. The new book on extreme performance, "Avant Garde from Below: Transgressive Performance from Iggy Pop to Joe Coleman and G.G. Allin" by Clemens Marschall, explores Coleman's influence during this pivotal period.
Michael Foster
Michael Foster is a saxophonist and multi-instrumentalist working in the fields of free improvisation, noise, free jazz, graphic & video notation, performance art, and other forms of weird music. Foster utilizes extensive preparations of his saxophone, augmenting it with amplification, objects, balloons, drum heads, vibrators, tapes, and samples as a method of subverting and queering the instrument's history and traditional roles.
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Recent Posts
- HRE goes back in time and re-releases their iconic 540 Series for the modern age.
- BC Forged release two new style wheels. The EH309 and EH183
- Check out HRE's new Forged Center Caps! New for 2018 and all new forged wheels!
- The newest addition to Vossen's HF Hybrid Forged Wheel line – The HF-1
- Vorsteiner adds some bite to your 2010+ F150 or Raptor with their new Venom Rex Flowformed wheel!
- Does your 2015+ WRX smoke on start up? Perrin has a simple and easy solution to eliminate it!
- Tunerworks makes another visit to HRE wheels in California
- Recaro announces their new 2018 seats with some super cool, limited number seats!
- Introducing the new AWE AirGate Carbon Intake for VW & Audi MQB Vehicles!
- Niche Road Wheels release their new SUV series of wheels
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Akrapovic Blows Up a Storm with the Huracan
Akrapovič has launched a new exhaust system for the Lamborghini Huracán LP 610-4 that will make this amazing V10 Italian supercar blow away its rivals.
Posted in Tunerworks Tagged Akrapovic, Akrapovic Canada, Akrapovic Huracan, Lamborghini, Lamborghini Huracan, LP610-4 Comments Off on Akrapovic Blows Up a Storm with the Huracan
2010 NISSAN R35 GT-R Tunerworks Shop Demo/Project Car
2010 NISSAN R35 GT-R Tunerworks Shop Demo/Project Car ADV1 ADV6.01 Monoblock Brushed/Tinted 20×11" & 20×12" Toyo Proxes R888 285/35-20 & 315/30-20 UPGRADES: AKRAPOVIC EVOLUTION TITANIUM EXHAUST WITH CARBON FIBER TIPS COBB TUNING AccessPORT ECU REFLASH UPGRADE LARGE BORE TURBO INLET … Continue reading
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text: Team is using technology and doing a thorough audit. Rajaram, The Empyrean, Chikkathirupathi, Bengaluru Categories: Testimonials Tags: 4 StarThe Empyrean Sudhindra Naib Serial Entrepreneur with 15+ years of experience in Solution Management and Technology Leadership. CoFounded 4 companies. 2 patents held. I love innovating. Leave a Reply Cancel reply Your email address will not be published. Required fields are marked * Name * Email * Website What's on your mind?


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From the LA Times. H/T Joe Romm.
6 thoughts on "Texas Drought Video"
Just catching up and noticed Earth Observatory has a startling item about Mexican fires this year, including lots of grass from wet year last year.http://earthobservatory.nasa.gov/IOTD/view.php?id=50688&src=eoa-iotdIt is hard to keep in mind the continuing effects of the previous disastrous events as so much new is added to the plate in such a short time.Also interesting is the likely arrival of Typhoon Songa off the coast of Japan:http://www.wunderground.com/tropical/tracking/wp201104_5day.html#a_topad
We in Alaska have had a "beetle bowl" for quite a while now. BTW I am a little worried about what seems to be a merger (submerging?) of Climate Progress with Think Progress tomorrow. Is this their foundation saving money? Is it message control?Nothing against Think Progress but it's not filling any unique need.
Don't underestimate ThinkProgress. Yeaman work on Kochs. May be an improvement.
That's yeoman – sorry.
Texas bowl becomes southwest bowl.Gives a new meaning to bowl games…
Oh Nooz, we all know that William hates Joes the Romm.


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We are looking forward to our All Group Forum on the 12th April which will see over 80 Chief Executives and Emerging Leaders from charities and social enterprises come together for a day of learning and sharing. The Forum is being kindly hosted by long-term ella supporters, CCLA and will run from 9am to 4pm.
We are honoured to have Mark Fisher CBE, Director of the Office for Civil Society and Innovation opening the Forum with a talk on 'The need for trustee and leadership training'.
Simon Hayward will then be taking our main speaker slot of the morning and presenting to the group on Connected Leadership; a practice that we have adopted at ella and feel that all of our leaders will find invaluable. After lunch we are trialing a new format for the afternoon session; there will be a panel discussion on "What should be expected of boards in ensuring that their organisations are delivering against needs?". The panel will consist of Nigel Rothband, Alan Sanders, John Williams, Mike Burnage, Paul Anderson Walsh, all of whom have a wealth of experience in issues to do with governance and trustees. Please click here to submit a question to the panel.
We much look forward to seeing all of our members on the day. Any Third Sector leaders interested in attending this day and finding out more about ella should contact Phil Thompson, Director of Membership on email@example.com


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Trip Date : July 1, 2017
Group of : 2
Currency : Korean Won
Total Expenses : KRW 39,000 per person (USD 68.45 per person)
Used the foreign exchange rate as of June 30, 2017.
If you have inquiries on purchasing the ticket through online, leave me a comment.
Your local unnie will get back to you as soon as possible.
Have fun traveling Korea. 🙂
Travel Korea like the local.
Travel Korea with your one and only local unnie.


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Formally Dressed Emigrant Family Listening to the Record Player (in South America)
During the period of Japanese emigration to other countries, Japanese diplomatic establishments abroad recommended that Japanese immigrants adopt local customs and manners so as to avoid friction with local inhabitants. This photograph illustrates the assimilation of Japanese emigrants. Japanese emigration to Brazil began in 1908, and reached its peak in 1926–35. Following the abolition of slavery in Brazil in 1888, the government of Brazil looked to immigrants to address a labor shortage in the increasingly important coffee industry. European immigrants, particularly Italians, filled the gap at first, but were later joined by immigrants from Japan, where rural poverty was widespread and the economy was struggling to modernize and to reabsorb soldiers returning after the Russo-Japanese War (1904–5).
Date Created
Subject Date
Title in Original Language
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Physical Description
1 photograph, 12 × 17 centimeters
External Resource
IIIF Manifest Help
Last updated: January 8, 2018


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Copyright 2019 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.
AP Photo/Rick Bowmer
Retirement is imminent for Saint Kitts and Nevis sprinter Kim Collins. And this time he really means it.
No, seriously.
Just maybe don't etch it in stone yet because he's waffled before. Hanging up the spikes is a difficult decision for the 40-year-old.
"But my body is beginning to show signs," Collins said.
Collins had his left leg tightly wrapped before the semifinals of the Olympic 100 meters Sunday. Then, just before the race, his toes cramped up. He didn't make it into a final won by you know who _ Usain Bolt.
Simply the side effects of age. Collins has been in the sprint game for a long, long time.
He raced at the 1996 Atlanta Games, when he didn't advance out of an early round heat captured by Dennis Mitchell, who now coaches Justin Gatlin. Including Rio de Janeiro, Collins has now competed at five Olympics.
That total could've been six, but Collins was expelled from the team at the 2012 London Games for leaving to meet his wife. He said at the time he found the athletes village stressful and needed peace and quiet before racing.
"At the end of the day, I still love (racing)," said Collins, who has five medals from world outdoors, including gold in the 100 at the 2003 championships.
For now, this is his plan: Race through the rest of this season and maybe into the 2017 indoor season. He doesn't plan to compete at the world championships next summer in London. But if his country needs him to be a part of the 4x100, he might make an exception.
"I think this is the time to move on," Collins said.
With one caveat: He reserves the right to change his mind.


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from latin anĭma « breath, soul »
Painting animals that are not skinned, neither aggressive, nor subjected, nor dead. To try to recover what was taken away from them : their dignity, their integrity, their feelings, their expectations, what we might call their soul.
So that people who see those paintings, may feel like a break, an encounter, tenderness. Another way of expressing hope, a scent of paradise.
Welcome! This website is mainly in English. Some pages, Home, News, Technique & materials and Contact, are also in French and Spanish, some texts or poems below the paintings might also be in those languages. Enjoy your visit! Ang.O
News & articles
07 October 2019
International Art Fair Zillisheim - Mulhouse
Soon visible at the International Art Fair of Zillisheim on October 11, 12 and 13, 2019. more...
30 March 2019
Exhibition Salon d'Art du Colombier 2019
Actually exhibiting with many other artists at Salon d'Art du Colombier, Saint-Arnoult-en-Yvelines in the south of Paris. more...
25 February 2019
Salon d'Art de Verrières 2019
Soon available at « Salon d'Art de Verrières » from 16 to 24 March 2019
12 February 2018
Salon d'art du Colombier 2018
Salon d'art du Colombier from 7 April to 15 April 2018
Preview night the 6 April at 18h30. more...
01 September 2017
Hanbury Hall National Trust
Exhibition at the Hanbury Hall National Trust, Droitwich. From Saturday 2nd to Saturday 16th September 2017. more...
18 May 2017
Nature in Art 2017 exhibition
« Footprints » painting will be at the 2017 Nature in Art Exhibition..
Preview evening Friday 26th may. more...


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What was once a couple of physical doors that kept your office safe is now a multitude of virtual doors that you can't control


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Picture this: You're CEO of a Baton Rouge area company employing some 250 people. About 30 of your employees decide they've been working too much overtime and have not been properly compensated for it.
They want to take you to court. What happens next?
In short, it depends on whether or not the company has a class- or collective-action waiver in its employee arbitration agreement, as Business Report details in a feature from the current issue. If not, you might be facing a collective-action lawsuit.
It appears simple: Add the waiver and let an arbitration panel quietly decide the matter.
That's the main takeaway from a recent Supreme Court ruling, where it decided companies across the country can use arbitration clauses in their employment contracts to prohibit workers from banding together to take legal action over workplace issues.
While the United States Court of Appeals for the Fifth Circuit—the lower court governing Baton Rouge and other parts of Louisiana and Mississippi—already had this rule in effect, the court's decision confirms that this law is here to stay, at least, for the time being, says attorney Tom Peak, a partner at Taylor Porter who specializes in employment and labor law.
The ruling also sheds light on another issue: whether or not companies should even have these waivers in their arbitration agreements.
Opponents of the court's decision, including Justice Ruth Bader Ginsburg in her dissent, say class-action suits allow employee plaintiffs to pool together enough resources to make them more attractive clients for attorneys. Taking collective action, they add, also quells fears of employer retaliation.
Whether you're an employer or an employee, class-action waivers will matter to you if there's a lawsuit involved.
Read the full story. Send your comments to firstname.lastname@example.com


text:
Buck McDancer
Hot Shots! Part DeuxHD
IMDb: 6.6
86 min
Topper Harley is found working as an odd-job-man in a monastery. The CIA wants him to lead a rescue mission into Iraq, to rescue the ...
Country: USA
Actor: Charlie Sheen, Lloyd Bridges, Valeria Golino, Richard Crenna, Brenda Bakke, Miguel Ferrer, Rowan Atkinson, Jerry Haleva, David Wohl, Mitchell Ryan, Michael Colyar, Ryan Stiles, Rosemary Johnston, Ben Lemon, Buck McDancer


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The Facts on CO Monitors
Carbon Monoxide should be on everyone's home safety list. The CO (carbon monoxide) detector is something that all homes with should have to keep them safe from this deadly, colorless and odorless gas. Despite the fact that it's fairly common knowledge to have properly working CO detectors in the home, there are some other facts about these devices that many do not know. These facts contradict certain myths regarding CO detectors. We want to make sure you know about them so you can protect yourselves and your loved ones.
As you may know, carbon monoxide is a colorless and odorless gas that can be deadly with high levels of exposure. These types of levels are typically a result of improper ventilation from home heating sources, cooking appliances, or garages. Most homes properly expel this gas, but under certain circumstances this gas can build up and result in serious illness or even death from CO poisoning. According to the Center for Disease Control, over 600 Americans die due to accidental acute carbon monoxide poisoning each year. More than 20,000 become ill from this harmful gas on an annual basis. Clearly, its dangers cannot be understated, which is why having a properly functional and high quality CO detector is necessary.
Many homeowners think that having a standard CO detector will keep them safe from carbon monoxide poisoning no matter what. Unfortunately, this may not always be the case, especially depending on who lives in your home. Believe it or not, most common and standard CO detectors are built to standards designed to "only protect a healthy young adult." Furthermore, this definition of "young adult" is said to include a healthy individual between the ages of 18 and 22, which clearly leaves out a majority of individuals within a home. Essentially, this means lower levels of carbon monoxide in your homes air will not set off visual or audible warnings, which could pose dangerous threats to the health of those not deemed "healthy young individuals."
So, how do you ensure you aren't in danger regardless of your age or health? First, make sure you have a low level CO detector in your house. These models can alert you of potentially hazardous levels of carbon monoxide in the air before they become a threat or problem. Many of these models, including those offered by BelRed, sample the home's air every 10 seconds, providing a "real-time" approach to CO monitoring. These detectors are battery powered to ensure they are still in working order even during power outages, which can often be dangerous times for CO in homes if you operate equipment such as generators or alternative cooking devices.
Regardless of the model or quality of CO detector you're using in your home, it's essential to make sure it is in proper working order and replaced regularly. Typically, it's best to have your CO detector replaced every 2-5 years (depending on the quality of the detector). Low-level CO detectors typically have a lifespan much longer than standard models. If you're interested in the highest level of carbon monoxide protection, don't hesitate to reach out to us at BelRed today. We offer the highest quality CO detectors available, which can't be found in stores. We'd be happy to perform a CO detector installation for you so you can rest assured your family doesn't have to worry about this harmful gas.Tags: BelRed, carbon monoxide, carbon monoxide detector, Center for Disease Control, CO, CO detector, Low-level CO detector, Monitoring carbon monoxide, Safety


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Sofia Blouse
349,00 kr.
Soft sweatshirt made in 100% organic cotton. Soft hand drawn artwork all over. The sweatshirt has a slit at each side and is longer at the back. Loose fit.
- Color: Banana Crepe
- Composition: 100% Organic Cotton
- Care: 40º machine wash. No tumble dry


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- New
- Mens
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- Hats
- Red Zone®
- Adidas
- Husker Lifestyles
- Sales
Hours: M-F 9am - 4pm CST
Free shipping, orders over $69
Proudly wear this tank so show off your Nebraska spirit with Our Coach is Hotter Than Yours screen printed on the front. On the back is an outline of the state of Nebraska with a #7 in the middle. The tank is made of superfine rib for a subtle dimension. The screen print gets softer with every wash.


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ST. PAUL, Minn. (Blugolds.com) – The University of Wisconsin-Eau Claire track and field teams competed at the University of St. Thomas Showcase on Friday, with six women and four men winning events for the Blugolds.
Men's Results | Women's Results
Winning events for the Blugold women were:
Morgan Marek (Sr. – Muskego, WI) – 1st place, mile (5:03.32) *currently ranked #14 in the nation
Lexi Lefever (Fr. - Hudson, WI) – 1st place, 200m (26.31)
Samantha Slattery (Jr. – Waunakee, WI) – 1st place, 5K (17:49.79)
Allison Weiker (Fr. – Roseville, WI) – 1st place, pole vault (3.56m)
Erica Oawster (Sr. – Lino Lakes, MN/Centennial) – 1st place, shot put (14.32m) * currently ranked #2 in the nation
Kady Kochendorfer (Fr. Hudson, WI) – 1st place, triple jump (11.39m) *currently ranked #21 in the nation
Also finishing in the top three were:
Amy Chen (So. Mayville, WI) – 2nd place, 60m (7.89)
Kady Kochendorfer – 2nd place, 200m (26.42)
Glory Hecker (Jr. – Stone Lake, WI/Hayward Center), Megan Wallace (So. – Burlington, WI), Logan Fahey (Jr. – Belleville, WI), Lizzy Keena (So. – Wisconsin Rapids, WI/Lincoln) – 2nd place, 4x400 relay (4:04.54)
Tommie Brenner (Sr. – Reedsburg, WI) – 2nd place, 60m hurdles (9.13)
Ashley Agrimson (So. – Peterson, MN/Rushford-Peterson) – 2nd place, long jump (5.41m) *currently ranked #18 in the nation
Brianne Johnsrud (Sr. – Dodgeville, WI) – 2nd place, weight throw (15.32m) *currently ranked #13 in the nation
Glory Hecker – 3rd place, 400m (1:01.18)
Megan Wallace – 3rd place, 60m hurdles (9.38)
Kassandra Lueck (Jr. – Nowthen, MN/Anoka) – 3rd place, shot put (12.48m)
Winning events for the Blugold men:
KJ Munn (Jr. – Bayport, MN/St. Croix Prep Academy) – 1st place, 200m (22.56) & 400m (50.54)
Kyler Lueck (Jr. – Germantown, WI/Wisconsin Lutheran) – 1st place, 800m (1:53.89) *currently ranked #6 in nation
Tyler Bouchard (Sr. – Waukesha, WI/North) – 1st place, 60m hurdles (8.89)
David Kornack (Sr. – Edgar, WI) – 1st place, shot put (17.50m) *currently ranked #1 in the nation
Also earning top three finishes:
Adam Lembke (So. – Waukesha, WI/West) – 2nd place, 60m (7.07)
Brandon Christnovich (Sr. – Holmen, WI)– 2nd place, 400m (51.21)
Abraham Schroedl (So. – De Forest, WI) – 3rd place, 60m hurdles (9.04)
Will Ullrich (Fr. – Oconomowoc, WI), Tyler Tomich (So. – South Elgin, IL/St. Charles North), Bailey Wilson (Jr. – New Richmond, WI) , Kyler Lueck – 3rd place, 4x400m relay (3:31.55)
Eau Claire will head to the UW-Oshkosh Invite on Saturday, Feb. 16th for their last meet before the Wisconsin Intercollegiate Athletic Conference (WIAC) Championship (presented by Culver's) on Feb. 22-23.


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Giallo - Dieci Piccoli Indiani
DISCOVERY GIALLO - DIECI PICCOLI INDIANI Promo toolkit & graphic pack for BBC One - And Then There Were None (Dieci Piccoli Indiani). Period murder mystery based on Agatha Christie's novel. Ten strangers find themselves cut off from civilisation on an isolated rock off the Devon coast. The graphic pack contains: ident, bumper countdown, End pages. Art direction: Chiara Cerutti Design e Animation: Tommaso D'Angelosante Realized for: Discovery - Giallo Discovery Italia Srl - Milano - © Copyright 2016


text: The countdown is on only ten shopping days left to Christmas Day. The time flies by without my even noticing; still we have you covered at the Andersonville Galleria. Three floors of shopping with tons of gift ideas including many in our booth, Design Interior Plant, where you can find all sorts of unique pieces for every member of your family and friends, no green thumb required. All easy care plants with instructions included. So come on out to Andersonville in Chicago and check out our living gifts. We're also open for late night shopping too now, so procrastination is over, no more excuses, come out and Shop!