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Pensions & Retirement Planning
Pensions – an overview
When planning your retirement there are three main types of pension you need to consider. These are Government Pensions, personal pensions and company pensions. Find out about these different types of pensions and how they affect you.
Government Pension
Government Pensions are paid to those who are eligible, over retirement age and who have claimed it. You may be eligible for the following types of Government Pensions:
- basic government pensions
- additional government pensions
Personal pensions
Personal pensions are available from banks, building societies and life insurance companies who will invest your savings on your behalf.
You can save as much as you want into a personal pension. You will get tax relief on the amount you put in up to the annual allowance. Find out if a personal pension would be suitable for you by speaking to a reputable financial advisor.
Company pensions
Company pensions are set up by employers to provide pensions for their employees on retirement. They are also sometimes called occupational or workplace pensions.
Rules vary for different company pensions but money can be paid into the pension from:
- both your salary and your employer
- your salary only
- your employer only
You will get tax relief on the amount you put in up to the annual allowance.
Approaching retirement – when to retire and what you need to do
As you approach retirement, you'll need to check your personal, company and government pensions. You must make sure you have enough income to provide for your needs in the future. Find out when you can retire and where to get help with checking your pensions, savings and investments.
When you can retire – your options
You will need to decide when you want to retire. You can choose to work past your retirement age, which is the earliest age you can get your Government Pension. Or you can take early retirement and stop working before your Government Pension age.
Working past your Government Pension age
If you work past your Government Pension age you can choose to either take your Government Pension or put off claiming it. There are benefits to putting off, or deferring your Government Pension. You could earn a lump sum if you put off claiming your Government Pension continuously for at least one year.
If you want to continue working but want to reduce the hours you work, then you could consider working part-time.
Find out what your Government Pension age is, about the possible benefits of working longer and how to request working past your Government Pension age.
Stopping work before your State Pension age
If you are considering stopping work before your Government Pension age, or taking early retirement, this may affect your Government Pension. Retiring early may also affect your personal or company pension. The rules for personal and company pensions vary, depending on who provides them. You will need to check your personal or company pension to see how early retirement might affect your situation.
Checking your income before deciding when to retire
When deciding when to retire the most important thing to consider is making sure you have enough money to live comfortably. It is useful to work out how much money you will need and how much income you are likely to have when you retire. To help you plan your income in the future you should check your:
- personal or company pension
- Government Pension and Pension Credit
- savings and investments
Personal or company pension – what you need to check
You should check your personal or company pension, as you approach retirement, to make sure you have enough income for your future retirement. How much your personal or company pension is worth depends on how much has been put in and how well it has been invested. The provider of your personal or company pension will tell you how much you have.
Find out when you can take your personal or company pension, how you can receive it and where you can get further advice.
Savings and investments – what you need to check
It is worth checking your savings accounts to make sure you are earning a competitive rate of interest. If you are not, then you may want to look at moving your savings to another account.
Some savings accounts are particularly helpful when boosting your income in retirement, for example, savings accounts that pay interest to you monthly.
If you are not sure what type of savings account suits your needs, financial advisers or the Pensions Advisory Service offer help and advice. Find out about financial advisers and what advice they can give you on your savings and investments.
Health and lifestyle
As well as considering your finances as you approach retirement, you also need to think about taking care of your health. By taking some small steps to keep healthy and active now you can increase your chances of enjoying a healthy, independent life in the future.
Just about to retire – what you need to do
Immediately before you reach your Government Pension age there are some steps you need to take. Find out how to make sure you get the Government Pension and benefits you're entitled to. You should also contact your Tax Office to make sure you get any increased tax returns you qualify for.
Starting a pension
There are two main ways of starting a pension: getting one through your job, or setting up your own. You don't necessarily need to have one type or the other – you can have both. And changes are coming that mean many more people will get a chance to join a pension at work.
Setting up your own pension independently
You can set up a pension scheme at any time – whether you are employed, self-employed or not working. This type of pension is called a personal pension. They are available from banks, building societies and life insurance companies. Once you have set one up you can control how much money you pay into it.
You can save as much as you like into a personal pension. It won't affect your entitlement to the basic Government Pension but it may reduce the amount of additional Government Pension you build up. You'll be able to get tax returns on the amount you put in, up to an annual allowance. So, for each Rand you put into your pension, the government tops it up using money it would otherwise have taken from you as tax.
Stakeholder pensions
Stakeholder Pensions are a special type of personal pension. They have to meet certain government standards to make sure they are good value. They are open to everyone and may be worth looking into if you are self-employed or if your employer doesn't offer a company pension.
You don't have to be working to contribute to a stakeholder pension. You can contribute as little as R20 at a time and you don't have to contribute every month if you can't afford it.
Getting a pension through your job
Many employers have a company or workplace pension, a scheme they have set up for their employees to join. Most workplace pensions work like this:
- you decide to put part of your salary into your own pension pot
- your employer may make a contribution as well – this might mean they match your contribution, or put in a different amount
- you may not need to put anything in yourself to get the employer contribution
These types of workplace pensions are often called Defined Contribution or Money Purchase schemes. They include Stakeholder Pensions and Group Personal Pensions (a personal pension you get through your employer).
Other company pensions work differently. The pension you get at the end is based on your salary and how many years you have worked for your employer. These are usually called Final Salary or Defined Benefit schemes and are most likely to be offered by large companies or public sector organizations.
If your employer offers a company pension, they will be able to tell you which kind of scheme they offer.
Pensions and financial advisers: who to contact
If you're considering taking out a stakeholder or personal pension you can shop around yourself. But it can be a good idea to get professional financial advice from a specialist before you buy. For information on any pension offered by your employer you need to speak to your HR department.
Understanding company pensions
There are different types of company pensions (also known as occupational pensions) that are available. Get the information you need to help you decide whether you want to contribute towards your company pension. And find out what to do if you leave your company.
Types of company pension
Company pension schemes vary from company to company. Your scheme is likely to be one of two general types – a 'salary related' or 'money purchase' scheme.
Salary related scheme
In a salary related scheme the amount you get is based on your salary and the number of years you have been in the scheme.
Money purchase scheme
A money purchase scheme is based on how much has been paid into the scheme and how well the money has been invested.
On retirement, your fund is used to provide your pension, usually by buying an annuity (a regular income for life).
Options when you take your company pension
Your company ('occupational') pension scheme has rules about when you can retire and take your pension. It's a good idea to check with your pension scheme administrator what options are available to you.
However, there are some common elements to all company schemes.
How much company pension you will get
The amount of company pension you get will depend on which type of pension scheme you are a member of. It's likely to be one of two types:
The amount of pension you get is based on your salary and the number of years you've been in the scheme.
With a money purchase scheme your pension is based on how much you and your employer have contributed and the interest it's earned. At retirement, your fund is used to provide your pension, often by buying an annuity (a regular income for life). How much your fund will provide is calculated using an 'annuity rate'. This depends on various things, including your age and sex, and interest rates at the time.
Options with a final salary scheme
You can ask your pension administrator about the rules of your particular scheme. For instance, some schemes don't allow you to take your benefits until age 65, but others may let you take them earlier.
You may be given the option to take part of your pension as a tax-free lump sum and receive a smaller monthly income.
Your pension administrator can provide you with a forecast of what your pension will pay when you retire, or ill-health stops you working. You can also ask what benefits your dependants will receive if you die before them.
Options with a money purchase scheme
When you retire, you can choose to take part of your pension as a tax-free lump sum and use the rest to buy an annuity. An annuity is a regular income for life.
Understanding personal pensions
Personal pensions (also known as private pensions) provide you with a regular income in your retirement. Find out about the tax implications of a personal pension and get information to help you decide whether a personal pension is suitable for you.
What is a personal pension?
With a personal pension you pay regular monthly amounts or a lump sum to the pension provider who will invest it on your behalf. The fund is usually run by financial organizations such as building societies, banks, insurance companies or unit trusts.
Would a personal pension be good for you?
Your decision will largely depend on how much you can afford to save for your pension and how much you will get from other pensions.
Personal pensions may be suitable for:
- people who are self-employed
- people who are not working but can afford to pay for a pension
- employees whose employer does not offer a company pension scheme
- employees who have the option to pay into a company pension, but choose not to
- employees on a moderate income who wish to top up the money they would get from a company pension
A personal pension may not be the best choice if:
- your employer offers a company pension scheme
- your employer offers access to a stakeholder pension scheme, with an employer contribution
Paying your personal pension
Other people can pay into a personal pension on your behalf. This means that partners or other family members can help you save for your retirement.
If you have moderate earnings and think you'll need to stop and start payments or vary the amount, you might consider a stakeholder pension. A stakeholder pension is a flexible type of personal pension.
Other factors to consider before getting a personal pension
Remember that choosing a personal pension scheme is an important financial decision and there are many things to consider:
- what are the rules on making contributions?
- how much can you save and is the pension scheme 'contracted out' of the additional State Pension?
- how will the money be invested?
- how much does the pension provider charge you for setting up your pension and for administration?
How much pension you can get
You will receive a yearly forecast from your pension service provider. This will tell you how much:
- your fund is worth
- you can expect to receive if you continue to contribute at your current level
The final value of your pension fund will depend mainly on how much has been paid in and how well the fund's investments have performed. The companies that run these pensions charge you for starting up and running your pension. Charges are normally deducted from your fund.
Any questions about your personal pension should be directed towards your pension service provider.
When can you take your personal pension?
Most people choose to wait until they are 60 or 65, but you do not have to retire from work to get your pension benefits. You can also put off taking your pension until you are 75.
There are certain circumstances that will allow you to take your pension before you are 55. Your pension scheme provider will be able to tell you what your scheme allows.
Getting financial advice about personal pensions
If you're unsure that a personal pension is right for you contact the Pensions Advisory Service or a financial adviser before making a decision. A financial or pensions adviser will also help you decide which particular personal pension is suitable for you.
Bankruptcy – what happens to your pension
If you have been made bankrupt, your pension rights, benefits or payments can be claimed now or in the future to help pay your bankruptcy debts. Find out who will assess your pension, when your pension can be claimed, what parts are protected and where to go for help and advice.
Your pension and bankruptcy
If you are made bankrupt, you lose control over any assets (property, shares, savings etc). These are sold or disposed of to help pay your bankruptcy debts by a person appointed to manage your bankruptcy. This person is called a 'trustee'.
Your pension might be an asset, so the pension itself and benefits or payments from it might be claimed by your trustee to pay to your bankruptcy debts.
Pension information you must provide
The benefits and rights you have in your pension will be examined to see if it they can be claimed to help pay your bankruptcy debts. Your trustee can ask for information about your pension, for example:
- the name of any pension schemes you and/or your employer have contributed to
- how much has been paid into it, particularly in the last two years
- how much you are receiving in payments from a pension
- how much you may have received from a pension as a lump sum
You must provide any information you are asked for. If you don't co-operate, it may affect the date you can be discharged (freed) from your bankruptcy and lead to further court action.


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Conan O`Brien Gossip
Conan O`Brien gossip, latest news, photos, and video.
Dear Gossips,
Tom Cruise has a film coming out on Friday. It's called American Made. And, at post time, it's currently sitting at 90% fresh on Rotten Tomatoes Read Full Intro
Dear Gossips,
I was just namechecking the Ice Cube, Kevin Hart, Conan ride along yesterday! (Click here for a refresher!) And then they did another one! They just posted it last night – see below. Read Full Intro
Hugh Jackman on Conan and Clooney
IGNAT/ Bauer-Griffin
Hugh Jackman was on Conan this week. He entered the studio by imitating Conan. Perfectly. The one-two hip check? Amazing. Needless to say he was brilliant, and funny, and charming, and wore his suit beautifully, and continues to prove that he really is the nicest man in the business even when he's supposed to nice, because everyone is nice on talk shows, you can tell he's genuinely nice. Full Story
Jen: no babies, Mexican or otherwise
Apparently this is only a surprise for people who read and actually believe Star Magazine. Every other month, someone tries to make us think that Jennifer Aniston wants babies. Maybe she encourages that a little, but mostly it's because the MiniVan Majority really, really wants that for her. They want for her what they have for themselves. Full Story
Jon Hamm helps
On a sh-tty day. This is Jon Hamm shooting Mad Men yesterday. Relief. Because Lost is almost over. Forever. But True Blood is back in June and Mad Men is back in July for Season 4. It's something to look forward to. It's something to balance the bullsh-t that's usually offered on tv in the summer. Full Story
Conan's letter
Well rationalised, well argued, and some fighting words. Albeit in a classy way. Conan O'Brien has just released a statement re: the f-ckery at NBC. He refuses to move, and he shouldn't have to. No, Conan is not acquiescing. Conan is throwing down. And he's putting NBC in a position to either let go of Leno or fire him and pay the penalty and look even worse. Full Story
NBC f-ckery
Like it's not enough the way they pissed on, and continue to piss on, Friday Night Lights. Now it's full tits drama over The Tonight Show. Would Jay Leno step OFF already? He announced he wanted to leave. So he left. Only NBC was worried he'd run to another network. So they undermined Conan by giving Jay a 10pm spot only to see him suck sh-t on the 10pm schedule because he's actually up against scripted television. Full Story
GOOPy's greasy legs
Gwyneth Paltrow on The Tonight Show Thursday – did you watch? Spent the first 2 minutes wanting to blot her legs. I'm all for moisturiser but that sh-t was overkill. As usual, she was wearing a short dress and very high heels. And come on haters, admit it just once, last night she looked amazing. Full Story
Best Emmy AssTalk up the ass: Conan O'Brien
Katherine Heigl didn't show but he called out the ungrateful Princess of Asstalk for the ungrateful asstalker she is: "At this point I had planned on doing a few more jokes…but Katherine Heigl told me she didn't think my material was Emmy-worthy." Love, love, love. Photo from SPLASH Full Story

subset: commoncrawl


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|One of these things is not like the others...
One of the top rarities this year has to be the Red-footed Booby found on Pacific Reef Light on November 1st while out on a pelagic aka Toelagic. As Roberto "Toe" Torres pulled up the lighthouse we saw a large number of Brown Boobies perched and off the bat started sifting through them hoping to get lucky and that's exactly what happened! After about 20 seconds Larry "The Man" Manfredi yells out "GOT ONE!!!" and the rest is history. All the other boobies flushed off but the Red-footed stayed in place and let us get great photographs before we moved on. Of course with my luck the boat broke down about 15 miles offshore and it took over 3 hrs to get towed back in to Black Point Marina. Needless to say we were all sun burnt and exhausted but who cares, WE GOT A GREAT YEAR BIRD!
|All that wishful thinking paid off!
Another great year bird is still under review at this point and time. Depending on whether it is accepted by the Florida Ornithological Society Review Committee I can keep it on my list or I'm losing an important tick. The bird was found in an extremely delicate location so reporting it was out of the question. The only reason I saw it was because I am a county employee and allowed in the sewage treatment plant where it was hanging out for a couple days. Unfortunately since September 11th security around the area has been increased exponentially and if someone so much as even stops and looks in they will escorted WAY out of the area. It's a shame because before it was common to have people with their scopes looking for rarities but now everyone is considered a threat.
|A gorgeous duck feeding in a sewage plant... how ironic
This White-cheeked Pintail enjoyed the sludge drying ponds enough to stick around for a couple days while associating with Northern Shovelers, Green-winged Teals and Mottled Ducks. Even though most pintails are automatically considered escapees this one in particular has a real good argument to suggest vagrancy! Hopefully the FOSRC feels the way...
|My second La Sagra's Flycatcher this year
Even though I got La Sagra's Flycatcher earlier this year, not too many people can say they saw TWO in one year. This is the 11th Caribbean vagrant I have seen in 2013 along with 2 Monroe County specialties. It sure has been a break out year for birds crossing the Atlantic but I wouldn't mind trading this flycatcher in for an American Pipit. With less than a week left I am going to really to have to work as hard as ever to find the two last birds needed to reach my original goal of 300. I guess I can always sleep in 2014!


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For those of you who haven't friended me on Facebook, (A phrase I thought I would never utter!) I spent the Fourth of July in Austin, Texas. I went to a really cool record and CD store call "End of an Ear". I strongly recommend them to any and everyone. Visit their site at: www.endofanear.com. I can assure you that vinyl is alive and well in Austin Texas. For a complete list of all the cool vinyl and CD stores in Austin check out www.VinylAroundAustin.com.
I tried to resist buying any more LP's. but I failed badly. I picked up four great albums: Captain Beyond – Sufficiently Breathless, Alan Parsons – I Robot, Buffalo Springfield – Retrospective, and a blues LP by a New Orleans pianist who was know as "Archibald".
When I found the Captain Beyond LP I flipped out! I've wanted this record ever since I first heard the title cut in 1975. Back then F.M. Radio wasn't like it is now. It was kind of underground radio. D.J.'s had complete freedom as to what they played. They could play without commercial interruption for long periods of time. If a D.J. wanted to play the entire live version of Whipping Post from The Allman Brothers Live at Fillmore East they could. Captain Beyond was one of the "Cult Band's" of that time. They were a kind of Super Group.
Sufficiently Breathless was the second LP from Captain Beyond. The LP also had different band members from the first LP.
The line up of the second LP was as follows: Lee Dorman – Bass, Guille Garcia – Congas, Timbales, Percussion, Rhino (We will come back to him later) -Lead Guitar, Acoustic Guitar, and Slide Guitars, Rod Evans – Lead and Harmony Vocals, Marty Rodriguez – Drums, Back-up Vocals, Reese Wynans – Electric and Acoustic Pianos, and Paul Hornsby – Organ on "Starglow Energy".
Lee Dorman was the bass player for Iron Butterfly when they recorded the Psychedelic Rock classic "In-Na-Gadda-Da-Vida". Dorman received all the song writing credit for this record because everyone else was being sued at the time. It is unlikely that he wrote all the songs by himself, but he definitely was a major contributor. Guille Garcia had played with Chicago and also played on Joe Walsh "Barnstorming" prior to joining Captain Beyond.
This brings us to "Rhino." Rhino was the nick name of Larry Reinhardt. Larry had played with Lee Dorman after Iron Butterfly recorded In-A-Gadda-Da-Vida. He first appeared on the album "Metamorphosis" I actually saw Rhino and Dorman perform in El Paso Texas in 1976. Iron Butterfly had reformed and were out on tour opening for Rush on the "Fly By Night" tour. On "Sufficiently Breathless" Rhino is simply named as Rhino. If you check out the pictures above there is a detail shot of the band. The guy in black is Rhino. He looks like Jimmy Page. The information super-highway was years away and so a lot of rumors got started that Rhino was actually Jimmy Page (Led Zeppelin). I think it helped sell a lot of records for Captain Beyond. I even remember hearing DJ's on FM radio speculate about this very thing. It kind of was a smaller version of "Paul is Dead". For years I thought that Rhino was Jimmy Page!
This brings us to Rod Evans. Rod Evans was the first lead singer of Deep Purple. He was the lead vocalist on their first to big hits: "Hush" and "Kentucky Woman". The other members of the band felt their sound was to "Pop" oriented so they kicked him out of the band and hired Ian Gillian. (Ian Gillian was every bit as revered as Robert Plant of Led Zeppelin when I was an angst ridden teenager.) More on Rod Evans when we get to the wrap up.
I know very little about the Drummer Marty Rodriguez. I do know that the new producer of "Sufficiently Breathless" Giorgio Gomelsky did not like the original drummer Brian Glascock even though he had played with Santana; so, Guille Garcia personally recommended Rodriguez.
Reese Wynans is a very interesting person. Reese had been in a band called Second Coming. This band was a forerunner to The Allman Brothers. Second Coming had Dickey Betts and Berry Oakley as members. When Reese joined Captain Beyond, Betts and Oakley joined the Allman Brothers. Reese got beat out of his spot in the Allman Brothers by some guy named Gregg Allman. I guess blood is thicker than water. Things worked out for Reese anyway. We will get back to his story later as well.
Paul Hornsby is better know today as a major producer than as an organist. He produced records of The Charlie Daniels Band and The Marshall Tucker Band. Paul got involved in the session because he knew Reese through his involvement with the pre-Allman Brothers Band called Hour Glass. Is this a web of musical incest or what?!?!
This LP was recorded in 1973. It is dedicated to Berry Oakley. In a strange twist of irony. Berry Oakley was killed in a motorcycle accident in Macon Georgia almost exactly a year after Duane Allman was also killed in Macon Georgia in a motorcycle accident. The accidents even occurred just a few blocks apart! With all the Allman Brothers connections on this album it is not surprising that it is dedicated to Oakley.
On the inside fold out of the album and on the back of the album; the song order on side one is wrong. I have no idea why. The song order is correct on the albums label. So let's hear this great cult album from one of the original "Stoner Groups" Captain Beyond!
Side 1
Sufficiently Breathless
The LP starts with this very cool and laid back acoustic sound. The percussion has a Latino flavor. Then the chorus hits you and you know you are listening to the right stuff. The lyrics are appropriately cryptic. At the break we get the first great guitar solo from Rhino. The background music becomes drone-like and sounds a little Eastern influenced. There are great harmonies here. Evans does a great job as lead vocal. And then it all fades out…
Bright Blue Tango
Right off the bat we get a great dose of the keyboard word from Reese Wynans. The song has a funky swing to it. Not exactly a Tango but it does make you want to move your body through space. Once again great guitar work by Rhino.
Drifting In Space
Now Captain Beyond shows their Allman Brothers/Santana roots. This is really great music. It swings! Wynans has a great solo in the middle of the song. Evans vocals are awesome. The rhythm section has soul.
Evil Men
Evil men starts out with a breezy almost Steely Dan guitar sound but quickly switches to a much more sinister sound. Next a percussion break followed by a nice guitar solo by Rhino. Rhino has an extended solo over a stop-start back-beat. The vocals return. Rod Evans sings his heart out. Then Side 1 ends with the fade out…
Side 2
Starglow Energy/Distant Sun
Side 2 fades in with some nice keyboard work from Wynans and Hornsby. Don't tell me Alan Parsons wasn't a big Captain Beyond fan. This cut could have just as easily been on I Robot or some other Alan Parsons Project. Starglow energy is one of my favorite cuts on the record. It has a majestic feel to it. Once again Rhino and Evans shine. Personally, give me a" taste of Starglow Energy!" The song fades out and then there is an immediate kick of percussion that summons in Distant Sun. The beginning of this song foreshadows fusion jazz. The song has a very jazz like middle section too. This is just very creative high quality rock-n-roll. These guys didn't want to sound like someone else. What they came up with had never been heard before. This is why this LP is considered by many different artist to have been very influential. The end of this song is surprisingly abrupt.
Voyage Of Past Travellers/Everything's A Circle
Track 3 and 4 are uninterrupted as well. Voyage of Past Travellers (Intentionally spelled this way by the song writer.) Is very Pink Floyd sounding and segues directly into the final song Everything's A Circle. Voyage fades in like a bad radio signal. There is some nice feedback guitar and then a mysterious voice send us a message. There is a fade into the Bass guitar and percussion. This could easily be Santana. I love the duel guitar sound in this song. Once again the music takes on a Latin Swing sound. Great percussion, great vocals. The music makes you want to move.
So I hope you enjoyed Captain Beyond – Sufficiently Breathless. I think it is one of the great "cult" LP's of Rock-n-Roll.
So what happened after this great record was finished? Well, Rod Evans had trouble getting along with others once again. As soon as the record was completed he left the band due to tensions that developed during the recording sessions. The band later reformed at the end of 1973 and went on tour. There is a CD of Captain Beyond recorded "Live" in Arlington, Texas at The University of Texas at Arlington. It was recorded in 1973 but not released until 2002. They still couldn't work out their differences and the band split up again. Rod Evans completely got out of the music business. He became a Respiratory Therapist in 1980. He was talked out of retirement to do a "Deep Purple" reunion tour. The problem was Deep Purple didn't want to have anything to do with Evans. Rod Evans did the tour anyway and got sued. He lost the law suit along with a +$6000,00o damage judgement. In order to pay the damages he gave up all the rights to his royalties from his Deep Purple days. There are many people who would love to know his whereabouts today. He has entirely disappeared.
Larry "Rhino' Reinhardt went on to have a long but not distinguished career. He played on several recordings of the Bobby Womack. He had his own band, he play with a band called Mad Dancer. In 2008 he was diagnosed with terminal cancer. He put out a CD called Rhino's Last Dance in 2009. Somehow he managed to survive and is still alive today. You go, Rhino!
The last person I want to fill you in on is the keyboard player Reese Wynans. Reese went on to play with Stevie Ray Vaughn and Double Trouble. He played with Stevie till the day Stevie died. I got to see Double Trouble open for The Who in The Cotton Bowl in Dallas, Texas a month or two before Stevie was killed in a helicopter crash in Wisconsin. They were so good that I told my friend that I was with: "If I were The Who, I wouldn't go on after that." Reese continues to have a great career. He has toured with Joe Ely, Chris Layton, and Tommy Shannon on the Double Trouble tour "Been A Long Time" and has also played with the great Delbert McClinton. I got to see Reese play with Delbert McClinton when Delbert was asked at the last minute to substitute for George Jones to open for The Rolling Stones. Reese was great that night as well.
So there ends the story of Captain Beyond – Sufficiently Breathless. This band stood at the crossroads of so many different bands and trends in Rock-n-Roll. What is really cool about the record is that you can hear it all in the music. I have to stop writing now I am breathless…
Another tale from the turntable.


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- Resource ID: PM1L1
- Grade Range: 9–12
- Subject: Science
Types of Motion
Students will distinguish between and/or interpret the types of motion.
- Resource ID: SM0L3d
- Grade Range: 9–12
- Subject: Science
Experimental Design
Given investigation scenarios and lab procedures, students will identify independent variables, dependent variables, constants, and control groups.
- Resource ID: SM0L3b
- Grade Range: 9–12
- Subject: Science
Types of Science Investigations
Students will distinguish between descriptive, comparative, and experimental investigations.
- Resource ID: R4SCI0001
- Grade Range: 6–12
- Subject: Science
Potential and Kinetic Energy
This resource provides Tier I instruction ideas for Grade 6+ science teachers in the area of potential and kinetic energy.
- Resource ID: R4SCI0007
- Grade Range: 9–12
- Subject: Science
Monohybrid and Dihybrid Crosses
Learners calculate the probability of genotypic inheritance and phenotypic expression using mono- and dihybrid crosses.
- Resource ID: R4SCI0008
- Grade Range: 9–12
- Subject: Science
Mechanisms of Evolution Beyond Natural Selection
Learners analyze and evaluate the effects of other evolutionary mechanisms.
- Resource ID: R4SCI0010
- Grade Range: 4
- Subject: Science
What's Happening with the Weather?
This resource shows how to observe and describe weather changes from day to day and over seasons.
- Resource ID: R4SCI0011
- Grade Range: 6–12
- Subject: Science
Introduction to Plate Tectonics
This resource is intended to use for Tier I classroom instruction.
- Resource ID: R4SCI0012
- Grade Range: 7–12
- Subject: Science
Human Impact
This resource can be used, in conjunction with best practices, for Tier I classroom instruction.
- Resource ID: R4SCI0016
- Grade Range: 8–12
- Subject: Science
Introducing the Atom
A resource to be used for Tier I instruction for the introduction of the structure of atoms.
- Resource ID: TEKS12_MATH_04_001
- Grade Range: 4
- Subject: Math
Parallel and Intersecting Lines
This activity provides an opportunity for students to build an understanding of parallel and intersecting lines.
- Resource ID: K2KB007
- Grade Range: 9–12
- Subject: Science
Predict Monohybrid Crosses
Biology Kid2Kid videos present biology concepts taught to a student by a student. This resource contains videos that explain monohybrid crosses in both English and Spanish.
- Resource ID: GT001
- Grade Range: K–12
- Subject:
Texas Performance Standards Project
These videos introduce the Texas Performance Standards Project (TPSP), a resource for providing differentiated instruction to gifted/talented (G/T) students.
- Resource ID: R4SCI0023
- Grade Range: 9–12
- Subject: Science
Objects in Motion
This resource provides flexible alternate or additional learning activities for students learning about the concepts of distance, speed, and acceleration. IPC TEKS (4)(A)
- Resource ID: K2KA103
- Grade Range: 8–10
- Subject: Math
Kid2Kid: Determining the Meaning of Slope and Intercepts
Kid2Kid videos on determining the meaning of slope and intercepts in English and Spanish
- Resource ID: R4SCI0024
- Grade Range: 9–12
- Subject: Science
Newton's Three Laws of Motion
This resource provides alternate or additional learning opportunities for students learning the three Newton's Laws of Motion. It includes a collection of interactive materilas, videos, and other digital media. Physics TEKS, (4)(D)
- Resource ID: R4SCI0027
- Grade Range: 10–12
- Subject: Science
What's Trending with the Elements?
This resource, aligned with Chemistry TEKS (5)(C), provides alternative or additional tier-one learning options for students using the periodic table to identify and explain trends.
- Resource ID: MATH_IMG_001
- Grade Range: K–8
- Subject: Math
Interactive Math Glossary
The Interactive Math Glossary is provided by the Texas Education Agency to help teachers explore and understand mathematics vocabulary.
- Resource ID: GM4L16a
- Grade Range: 9–12
- Subject: Math
Making Conjectures About Circles and Angles
Given examples of circles and the lines that intersect them, the student will use explorations and concrete models to formulate and test conjectures about the properties of and relationships among the resulting angles.
- Resource ID: GM5L2
- Grade Range: 9–12
- Subject: Math
Solving Problems With Similar Figures
Given problem situations involving similar figures, the student will use ratios to solve the problems.


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You are here
High flexibility during grinding
Liebherr offers the LCS and LGG series for hard fine machining of gear wheels and splined shafts with an optimum machine concept.
Customer at the heart
For our customers, short machining times or the highest levels of accuracy are very important. The optimum machine concept from Liebherr is versatile in its arrangement and very productive.
4 seconds chip-to-chip
The new machine of the LGG series is available in two versions. We combine short grinding times with consistently high quality in high-volume operations, which is made possible by the single table solution.


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Kneehigh Theatre return to the West Yorkshire Playhouse in Leeds this week with with The Tin Drum, a West Yorkshire Playhouse, Kneehigh and Liverpool Everyman & Playhouse co-production directed by Kneehigh Artistic Director Mike Shepherd.
A new adaptation of Günter Grass' surreal seminal 20th Century novel, The Tin Drum is brought to thrilling theatrical life in a visually dazzling, dark and daringly provocative production.
On Oskar's third birthday he rails against the adult world and decides to remain a child forever.
Armed with a heart full of rage, a singing voice that shatters glass and a seemingly indestructible tin drum, Oskar sets about to reveal the world for what it truly is. However, the world has other plans for our hero…
Exploring the rise of fascism through the eyes of a child, Günter Grass' post-war masterpiece has never been more prescient.
His classic novel, which presents anti-hero Oskar refusing to grow up as he watches the growth of ugly and suffocating totalitarianism around him, is reimagined by Kneehigh as part Baroque opera, part psychedelic white-out and part epic poem: a burlesque, a blitzkrieg and a tsunami.
West Yorkshire Playhouse Artistic Director James Bringing said: "We're delighted to welcome Kneehigh back to the Playhouse, and thrilled to be collaborating on this project with Liverpool Everyman & Playhouse.
"Kneehigh's popularity is certainly well justified, and I can't wait to share this dazzling new production with the people of Leeds.
"Combining the Playhouse's ability to tell truly epic stories with Kneehigh's enduring inventiveness and imitable style,
"The Tin Drum will be an extravaganza of psychedelic music and theatre exploring and re-evaluating the conflicts of the 20th century through a contemporary lens."
The production runs until October 28. For ticket details go to www.wyp.org.uk


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Picture: The-Dream - 'Beyonce: Life Is But A Dream' New York Premiere at Ziegfeld Theater at Ziegfeld Theater - New York City, NY, United States -...
Producer/songwriter The-Dream has parted ways with top label Def Jam Records, claiming he felt "underappreciated" by executives.
The hitmaker announced via Twitter.com on Wednesday (08Jan14) that he has left the record label after six years with the company.
Along with a photo of the Def Jam logo, he wrote, "It all started here! Love everything that I achieved there, exodus The-Dream.
"Underappreciated and unfinished! When no one would turn in a album that year. We did, it was a grave mistake. But I am proud of my work regardless. To (sic) much ego."
He is still planning to continue making music independently and adds, "Creativity! My own time my own way... No label at all! Perfect."
The-Dream, who co-wrote hits including Rihanna's Umbrella and Baby by Justin Bieber, was not only on Def Jam's artist roster but was also named executive vice president of the company in 2009.


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Wow.. how time flies.. Still remember the good times during high school and it's been 5 years since I graduated. Have been married for more than 3 years and now my son is going to 3 years old in December.
What my life will be in 5 years ahead?? No idea.. Really no idea..
Do I satisfy with my current life? Do I want to reach for the better? How? What am I going to do? Any plan ahead?
I only know how fragile life is nowadays.. Anyone can just die anytime anywhere because of anything. When my life will be taken then? Hahaha.. sound pessimistic.. :P
Well, talk about the Birthday then. I was sick.. sore throat and flu.. blocked nose.. (I did not go to work for two days.. incl on my Birthday). I stayed at home and took a lot of rest.
On Friday night we were having steamboat at home together with my bro and his families, my sis and bro-in-law, my sis-in-law's cousin, and families of my husband. It was fun. Eating all you can and all gave up because the food was just too much! Enough for 3 days consumption :P
My mom asked my sis to buy birthday cake for me. It was mango cake bought from Crystal Jade, my favorite. My sis-in-law's husband who works at soft drink company, sponsored drinks for the dinner. Thanks all to make my birthday memorable and fun :)
My friends from everywhere sent me sms-es and called me on that day. The first greeting came from my special friend at 12am from faraway (US). . Shelly (SG) woke me up at 8am while i was still on my dream.. My mom(JKT) sent me message early in the morning.. Putra sent sms for me on my hubby's hp twice, telling me that he was in Hong Kong now and was having a flu. Sorry to hear that. Siska (JKT) sent me sms too, which I never expected that she would since she would be very busy preparing her wedding party this upcoming December. I wish I could attend :( Pao2 (MELB) sent me sms during dinner, so did Bambang (BALI) who was having headache because of the low room occupation in the hotel where he works. Tsk tsk... Marni (JKT) sent me sms on the day after because she was not sure whether my birthday falling on 23rd or 24th, but I was very glad that she's still remember. Apin (SG) sent me sms too despite that we met on the dinner. Oh yeah.. my sis-in-law(SG) sent me sms too at nite - kiasu.. hahahhaa... My eldest sis called me during her lunch hour and my second sis called me on 24 because she was too busy on 23rd. Thanks a lot my dear sis!!! Not to forget my dear ex and current colleagues who still remember my birthday: PY, Siaw Whay, and Florence. Thanks for everything everyone!!!
My birthday is meaningful because of your care and love for me...:) To everyone who joined us for the dinner, thanks for coming too!! Hope I could lead a better life and have some dream fulfilled this year :)


text: Magneti Marelli Suspension Systems designs and produces suspension modules and components for motor vehicles. The business line is based in Turin and it is also present in Poland and in Brazil as well as in Italy. Within the Suspension Systems business line, the available products range from individual components (control arms, cross-members, axles, knuckles, brake discs and drums) to assembled modules (wheel groups, semi-corners). A structured design and testing department is capable of satisfying any type of technical request coming from the customers, with the possibility to develop parts according to specifications or as an improvement to an existing drawing; in addition, through the Shock Absorbers business line it manufactures shock absorbers for a wide range of applications.


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TEMECULA, Calif. (AP) — A Tennessee man who stole a big-rig truck in California, caused several accidents and told investigators he was fleeing zombies when he did it has pleaded guilty to several felonies.
U-T San Diego (http://bit.ly/17Yg8VO ) reports Jerimiah Hartline pleaded guilty Monday to assault with a deadly weapon, hit-and-run causing death or injury, and vehicle theft. He could get five years in prison.
The California Highway Patrol says Hartline stowed away in the truck in Tennessee and stole it when the driver got out at roadside scales near Temecula, Calif.
The CHP says after Hartline caused several crashes, the big-rig overturned on Interstate 15 and spilled its load of strawberries.
Seven people were injured.
CHP investigators say Hartline told them he had to speed and swerve because he was fleeing from the walking dead.
Information from: U-T San Diego, http://www.utsandiego.com


text:
Like the stillness of the lake
So let my emotions be unruffled
At the mob of uncaring words.
Sweet as honey among the pages.
Like the stillness of the lake
So let my emotions be unruffled
At the mob of uncaring words.
It's nice to get away from life sometimes and read a good book!!!
tips , tricks , free plr articles
... sharing a world of stories with readers!
Sweet as honey among the pages.
A Discarded Plant
Create a Buzz!
Get your daily motivation fix right here!
traditional haiku in the english language
Marketing Tips & Tools
Caribbean. Writing.
News and commentary on Caribbean culture, literature, and the arts
Showing the beauty of this world through the people, places and culture
Writer, editor, proof reader for hire....
There are dragons and magic in the world if only you look for them... V.M. Sang
Musings on poetry, language, perception, numbers, food, and anything else that slips through the cracks.
Daily Income Strategies | TWCMatrix | Motor Club of America | Network Marketing | Affiliate Marketing
𝙳𝚛𝚎𝚊𝚖 𝚋𝚒𝚐! 𝙻𝚒𝚟𝚎 𝚋𝚒𝚐𝚐𝚎𝚛!


text:
Look Smarter Than You are with Smart View 11.1.2
Paperback, 375 Pages
Price: $34.95
Prints in 3-5 business days
Smart View is Oracle's add-in for integrating Microsoft Office with Oracle EPM and Essbase. In this book, we'll help you learn how to use the Smart View add-in to access Essbase data. You want to slice and dice data, analyze information, and make highly formatted reports. You're sure Smart View and Essbase are the answer and thank goodness your boss bought copies of this book for your entire department! In this book, you will learn: • The basics and advanced topics of Smart View • How to connect to Essbase databases and retrieve data • What multi-dimensionality is and why you should care • How to create highly formatted reports that can be used month after month • Ways to integrate Essbase data into Word, PowerPoint, and Excel • New features and enhancements available in versions 220.127.116.11 and 184.108.40.206
Ratings & ReviewsLog in to review this item
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Product Details
- 9781105561597
- Copyright
- Tracy McMullen, Edward Roske (Standard Copyright License)
- Edition
- Second Edition
- Publisher
- interRel Press
- Published
- June 4, 2013
- Language
- English
- Pages
- 375
- Binding
- Perfect-bound Paperback
- Interior Ink
- Black & white
- Weight
- 1.38 lbs.
- Dimensions (inches)
- 6 wide x 9 tall
- Product ID
- 21052799
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A P P L A U S E BOSTON Richard J. Desmond delivered an address before the American Poultry & Hatchery Federation at the Hotel Ken-more, Boston, on December 7. His subject was "Depreciation — Slow or Rapid." CHICAGO William Schwanbeck headed up the 1956 Tax Seminar of the Illinois Society of Certified Public Accountants as chair-man of that group's Committee on Taxa-tion. The seminar was held at the LaSalle Hotel on December 6 and 7. He was also asked to speak at one of the sessions on "Vacation Wage Accruals." Speaking on "Internal Control," Charles Beauregard was the guest speaker at a recent meeting of the Hotel Accountants Association of Chicago in the Morrison Hotel. Visitors from the armed forces to the Chicago Office recently were Peter Kelly, Richard Clark, and Fred Pollard. Word has been received that Ronald Stone is now stationed with the Army in Germany. DAYTON Herman J. Olt was chairman of the 1956 Education Meeting held December 7 at the Van Cleve Hotel by the Dayton Chapter of the Ohio Society of C.P.A.'s. Frank P. Rieser spoke on long-form reports and Robert E. Minnear addressed the group on special-purpose reports. DETROIT Donald J. Bevis addressed the Grand Rapids Bar Association on January 9 speaking on the subject "The Practice of C.P.A.'s." The theme of this talk was the relationship between lawyers and certi-fied public accountants. Wallace M. Jensen served as spokes-man for the accounting world on Novem-ber 20 when he appeared before the Subcommittee on Internal Revenue Taxa-tion of the House Ways and Means Com-mittee. In the role of Chairman of the Committee on Federal Taxation of the A.I.A., Mr. Jensen pointed out the in-equities which exist in the present statute and asked that the subcommittee con-sider the A.I.A.'s 262 suggested changes which had already been submitted to the Joint Committee on Internal Revenue Taxation. Mr. Jensen and the A.I.A. received the commendation of Repre-sentative Mills (head of the Congres-sional Committee), when he said: "You are to be commended upon the very public-spirited attitude that you have taken in the past, and that you are still taking as accountants in that direction. . . . Sometimes we do not always agree with 37


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Pop the corks, blow the horns, give us a kiss because it's a New Year! I hope that your end of year festivities (and the holiday season in general) was satisfactory.
I hope that we didn't overdo. I hope we stayed calm. I hope we all enjoyed the special time of year. I hope your MS is under total control. I know, however that that's not usually the case.
Post-holiday exacerbations (or MS attacks) are almost as common as post-partum attacks. If you are battling such a condition, I wish you peace as you recover.
I have to say that my MS is busy this morning. In fact, I had to take a kip after sitting down and writing the first paragraph and a half of this post. It was "lie down or fall down," as I've described it before. My legs are jelly and my whole body seems a little bit off balance. We'll have to see how that turns out.
How is your MS today?
I open the floor to our monthly open chat about MS symptoms and other topics you see fit.
Wishing you and your family the best of health.


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A mother came into my office recently to show me the certificate her 11-year-old son had earned; the Student of the Year Scholastic Certificate. We were both thrilled. His story is a real example of what can happen to an ADD child.
When he was 9 years old, he was brought in by his mother after he had been thrown out of school for the third time. As a little child, he was very active, bright and cute. He had been a polite child, but in the past year, his classsroom behavior had become impossible. He was annoying his teacher and his classsmates with constant playing around and getting out of his seat. When he was reprimanded he talked back in a disrespectful way. He was not keeping up with his schoolwork. At home, he was angry and irritable and refused to do homework. He hated school. He was miserable. An evaluation was done and he was found to have ADHD.
The following discussion is about ADD/ADHD children who have normal intelligence and who are not learning disabled. I use "he" to refer to the child but girls are also affected.
What is ADD/ADHD?
Attention Deficit Disorder (ADD) and ADD with Hyperactivity (ADHD) are caused by dysfunction in the front part of the brain that controls focusing and concentration. In the first few years, these children seem to be progressing normally. The problem becomes noticeable in the 2nd or 3rd grade when the schoolwork gets harder and they are required to spend increasing amounts of time sitting and listening to the teacher. The ADD child has difficulty functioning and learning in a classsroom setting.
What is wrong in the brain?
The frontal area of the brain works like "brakes" or filters that slow down the movement of stimuli into the brain. When these "brakes" are not working everything bombards the brain all the time. Thinking and processing become impossible. They are distracted by everything, even their own thoughts.
Although ADD children are often normal, even superior, in intelligence, their performance can be far below their potential capabilities. They can be quiet and not disruptive but they literally cannot concentrate. They have difficulty focusing on a page for more than a few lines of reading. They are often found "daydreaming" because they are unable to follow what is going on in the classs.
Adding Hyperactivity to ADD
If the child with ADD also has Hyperactivity, (ADHD), the problem is much more noticeable. Hyperactive children are impulsive and restless with irritating, aimless fidgeting and disruptive behaviors. This obvious lack of control and "bad" behavior makes life miserable for the teacher, the classsmates, the parents and the child with ADHD.
Everyone berates these children for not behaving more maturely. "Just sit still!" "Pay attention!" "You are so smart, why don't you know they work?" "Why are you acting so stupid?" "Grow up!" They cannot answer. They do not know why they are doing these things. They really cannot help it. They only know they are not worth very much since people are always disappointed in them. They go through their formative school age with a huge amount of negative feedback and very low self-esteem. They feel persecuted, angry and frustrated. Some become bullies. Many feel depressed. Some grow into "at-risk" adolescents. They feel that they are "losers" who do not belong in our society. Some even develop drug and alcohol abuse and criminal behavior.
Is this a new problem?
The genetic tendency has probably been there all along. In past generations, children grew up on farms, in small towns and in less crowded cities with schoolyards and parks to play in. They were not in the classsroom for more than a few hours a day. The schools were less structured and had smaller classses.
It is only recently that our kids are required to attend school from a young age for so many hours a day. We put them in classsrooms with children and give them very little physical activity such as gym and outdoor recess. Although normal children can function well in this setting, the child with ADD and ADHD is taxed beyond limits and cannot perform properly.
The ADD/ADHD children do better in small classses where the teacher can give them individual attention. They need frequent breaks that allow them to run around and burn off physical energy. In many circumstances, they can be helped in a school with "resource room" support, but the time in the mainstream classs is often frustrating and unproductive.
All children are born wanting to learn and, most importantly, they naturally love to earn approval from their parents and the other important adults in their lives. They do not want to be "bad." The ADD child is often a normally intelligent person who is smart enough to know he should be doing better. Most of them are not often truly "learning disabled." They could learn and process schoolwork if they could only focus without all the distraction in their unfiltered brains.
Now that we understand the nature of the problem we need to understand the possible solutions we can offer a child and his family. In the next section, "Helping the Child with ADD" we will explore treatment options.
Helping the Child with ADD/ADHD
When a parent comes to me with a child who has been evaluated and is found to have ADD, I try to make them understand the possible solutions for the problem. Since this child's brain is neurologically "wired" differently from most unaffected children, just letting him continue in his current situation is not really a viable alternative. He has to get through 15 years of classsroom learning and come out as a normal, happy, self-confident person. The years of negative feedback and frustration can, as we know, lead to real problems as the child grows up.
There are two approaches to resolving the situation:
1) Change the learning environment to meet the needs of this child's brain. Taking a child completely out of school is not an option. There are some schools with very small classses and more individual attention with specially trained teachers. The problem is that there are very few programs like this for normally intelligent children, and they are very costly.
2) Change the child's brain to make him more suited for his normal school environment. This can only be done by using medication to help the front part of the brain function normally.
A trial of medication is worthwhile
Sometimes, the best way to find out if this approach will help is by trying it. The benefits are immediate when the proper dose is reached. If the child's teachers, parents and the child himself notice improvement the drug can be continued. If the child feels no difference or if he does not feel well, the medication can be stopped immediately. Since there are several preparations, if one is not working another can be tried. This only takes a week or two.
What are these drugs?
Most of the currently used medications are based on the drug methylphenidate, known as Ritalin, which enhances the ability of the child to focus and concentrate and be less impulsive in his behavior. Another classs of drugs, amphetamines, is sometimes used in addition to Ritalin. (Straterra is different, and I am not discussing it here.)
Over the last few years, long-acting forms of Ritalin and other ADD medications have become available. Concerta, Ritalin LA, and ADDERAL are all examples. These preparations are given in the morning and usually last about 8-10 hours. They do not need to be used every day. They only work on the day they are given. Some people prefer to give it only on school days and not on weekend or vacation days.
Before a child is tried on one of these medications he should be examined by his physician with height, weight, blood pressure, and pulse noted. These should all be monitored periodically while the child is on medication.
Are there side effects?
Some children complain of headache or stomach aches in the first few days of medication. This is very temporary when it happens. One side effect is appetite suppression. It is important to advise the parents to give the child a big breakfast before he takes the pill and a big late dinner after it wears off. It is also important to give the pill early in the morning so it wears off by bedtime, to allow normal sleep.
There have recently been reported in very rare cases of cardiac problems resulting in death. These events happened mostly with the drugs that had amphetamine added to the Ritalin, such as ADDERAL. The incidence was less than 1 in one million prescriptions written.
Most parents are concerned with possible long-range side effects. "Will it affect fertility?" No, it will not. "Will the child become a drug addict?" These medications are not addictive and can be stopped anytime. "How long will he have to take medication?" ADD/ ADHD usually does not go away with maturity. However, most adults with this condition do not need medication unless they are in a job or learning environment that requires focus and concentration. The drugs can be used periodically, occasionally or long term safely, so the adult with ADD can use them as needed.
The interesting fact is that ADD/ ADHD children who are treated with medication have a lower incidence of alcohol, tobacco and drug abuse than those that are not. They also grow up with less psychosocial problems than those who are not treated.
Should we "drug" our children?
Many people are against using drugs at all. There is a fear of toxic chemicals and unnatural products. The fact is, Ritalin has been on the market for over thirty years. When used properly it is safe. Very few educators and psychosocial professionals that care for children are against the use of ADD medications. They have experienced dramatic improvements in many of these kids. The child who responds to medication functions normally and becomes much happier with himself. Everyone in his life is also happier.
As you have probably guessed, the boy who became the student of the year was given Concerta. His school refused to take him back, so he was started in a new school. The change in his school life was immediate. His mentors and his friends and family are all very pleased with him. His life was truly salvaged by treatment of his ADHD.
It is true that some children are labeled wrongly with the diagnosis of ADD/ADHD. Not every child who is doing poorly in school or has difficult behavior has this disorder. A real professional evaluation and follow up is necessary to determine if the child is being treated appropriately. One thing is certain. Understanding the problem gives everyone more patience and empathy. It also gives hope. With G-d's help, with the tools He has given us, many of these kids can lead normal lives.
aBaby.com offers many products to meet your needs. To View - Click the following links.
Moses Baskets >
Children's Furniture Sets >


text:
Dan Gorman collapses after the 5-mile race up Flagstaff Mountain.
The "John Henry Challenge", was held on Friday, with a man vs machine race up Flagstaff Mountain. The race is named in honor of John Henry the "steel driving man" who worked by hand and hard labor and nearly beat the steam hammer to lay railroad tracks. Eight cyclists from Boulder Wind Power challenged one of their colleague Dan Gorman, a nationally ranked runner who thought he can make it up to the summit of Flagstaff before any of the cyclists.
For more photos and a video of the race, go to http://www.dailycamera.com
Cliff Grassmick / June 14, 2012
John Henry Man vs Machine ChallengeManversusMachineRace117


text:
Scrapbook Update Editor Nancy Nally did an exciting live blog from the CHA Summer 2010 show floor from 4pm-6pm on Tuesday, the first day of the show. If you missed it, you can check out the archive of the event (which includes pictures, videos and lots of text) on the live blog page.
There's coverage of all the hottest products on the show floor, video of some demos, and even some appearances by some of scrapbookers' favorite people! Don't miss it!
Want to stay up-to-date on all the latest scrapbook news?


text:
Weekly Capital Markets Newsletter
Keep up on the latest concerning the investment scene with this weekly snapshot, delivered via First National Capital Markets.
Content Includes:
- Economic commentary
- Market Watch
- Economic calendar
- Yield curve snapshot
Representatives are registered to conduct securities business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only. The information on this website does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States
Copyright © 2015 First National Capital Markets, Inc. All rights reserved.First National Capital Markets, Inc. (FNCM) is a registered broker/dealer. Member FINRA, SIPC. Securities and investment products are: Investments are not FDIC Insured | No Bank, State or Federal Guarantee | May Lose Value


text:
An email from a reader about Deadspin's coverage of that burgeoning scourge, athletes trying to eat their weed:
The photo you used in today's story about athletes eating their weed is a picture of two rabbits that my wife and I used to keep as pets. The picture is of them chewing on the vines (unfortunately not weed) in our front yard. I'm not mad or anything, just surprised and a little sad (the small one got sick and died this fall). Can I ask where you found it?
In case you are curious (and you probably aren't) the big one is named Tonks and the little one is named Arthur.
Jake S.


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Steroids (sometimes called corticosteroids) are substances that are naturally produced in the body. They are made by the adrenal glands. There are two adrenal glands – one sits on top of each kidney.
Steroids help control many different functions in our bodies, such as the way the body uses food. They regulate our immune system and the balance of salt and water in our bodies. They also help to reduce inflammation.
Steroids can be manufactured into drugs and used for cancer treatment. They can be given as tablets or injections. There are different types of steroids and they all have different effects on the body. Common types of steroids used in cancer treatment are hydrocortisone, dexamethasone, methylprednisolone and prednisolone.
Steroids can be used:
- as part of your treatment to help destroy cancer cells and make chemotherapy more effective
- to help reduce an allergic reaction to certain chemotherapy drugs
- in low doses as anti-sickness drugs
- to improve your appetite.


text:
Dotty Six is a simple dice game that you can adapt in many ways.
Dotty Six game for an adult and child. Will you be the first to have three sixes in a straight line?
What could these drawings, found in a cave in Spain, represent?
Can you find different ways of showing the same number? Try this matching game and see!
There are six numbers written in five different scripts. Can you sort out which is which?
Exploring the structure of a number square: how quickly can you put the number tiles in the right place on the grid?
While musing about the difficulties children face in comprehending number structure, notation, etc., it occured to the author that there is a vast array of occasions when numbers and signs are used. . . .
These interactive dominoes can be dragged around the screen.
A task which depends on members of the group noticing the needs of others and responding.


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Charles Darwin film "Creation"
Dedicated to Alison Hunter, Emily Chapman, Jenny Hill, Tracey Ash, Casey Fero, and Sophia Mirza and all those whose lives have been devastated by chronic post infection diseases. Read more.
World Health Organisation (WHO) 1969
Priority 1 Disease of Public Health Importance
Centers for Disease Control(CDC) 1997
ME/CFS is a broad diagnosis which includes clinical syndromes linked to known infectious agents including Ross River virus, Epstein Barr virus, Q fever, Lyme disease, Parvovirus B19 and toxic exposures such as organophosphates. These syndromes are characterized by neurological, gastrointestinal, cardiovascular and myoarthralgic symptoms. Severe forms can present with paresis, seizures, intractable savage headache, and life threatening complications.
The renaming to chronic fatigue syndrome in 1988, giving misplaced emphasis to "fatigue", trivialises the substantial disability of ME/CFS which can extend to the wheelchair or bedbound, requiring 24 hour care.
Strong evidence is accumulating for the role of infection, immune dysregulation and genetic predisposition.
- ME/CFS patients are more sick and have far greater disability than patients with cardiac disease, chronic obstructive lung disease and depression
- Psychological factors play no role in the
development of post-infectious ME/CFS
- US Centers for Disease Control, AACFS Conference 2004
Latest News:
Chronic Fatigue Syndrome Study
University of Sydney Participants required in a study investigating whether tick borne infections may contribute to the symptomology of CFS.
The Alison Hunter Memorial Foundation (AHMF) has operated as a non-profit institution from 1998 to 2014, to advance scientific knowledge and medical care. The Board of AHMF is delighted to announce the formal establishment of a partnership with the National Centre for Neuroimmunology and Emerging Diseases (N.C.N.E.D.) at Griffith University, Queensland. The team at Griffith University led by Professor Sonya Marshall-Gradisnik is undertaking vital immunological and genetic research. The AHMF is therefore ceasing operation as an institution with independent charity status. The focus of the AHMF will now be to support the groundbreaking research being carried out at N.C.N.E.D. Donations in the future should therefore be directed to: 'Griffith University, National Centre forNeuroimmunology and Emerging Diseases (AHMF)'
IACFS Publication: Harms Associated with Graded Exercise and CBT. Tom Kindlon - Irish ME/CFS Association
Invest in ME Conference 2012 DVD Order.
Invest in ME - "Lost Voices" Book Order.
Dr Eleanor Stein - Self Help Manual.
Dr Vallings - CFS/ME: Symptoms, Diagnosis, Management
ME/CFS Primer for Clinical Practioners.
"Disease is very old
and nothing about it has changed.
It is we who change as we learn to
what was formerly imperceptible."
Alison Hunter Memorial Foundation
PO Box 6132 North Sydney 2059 Australia
Phone/Fax +61 2 9958 6285
All material on the site © AHMF | Sitemap


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Mock tests available in Hindi & English
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Reading Comprehension
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Sentence Correction
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Fill in the Blanks
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Number series
Line graph
Pie chart
Percentage, Profit & Loss
Simple & Compound Interest
Speed, Time & Distance
Time & Work
DS(3 statements)
Line Graphs
General Awareness
Current Affairs
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1) What is Oliveboard?
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Oliveboard provides important and insightful information on your performance that helps you improve your speed, accuracy & overall efficiency. Not just that, Oliveboard identifies your weak areas and provides you more personalized practice on those topics
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My husband doesn't like 'regular' soups ... they've got to be thick and chunky for him. Me? It doesn't matter ... thick or thin ... as long as it tastes good. But I do have to admit, I have a weakness for creamy, hearty chowder. And I especially have a weakness for New England style clam chowder.
So, with creamy, chunky goodness, I'm happy to say this Slow Cooker Clam Chowder absolutely satisfies us both. And there's even an unexpected secret to it's comforting creaminess.
My sister-in-law created this slow cooker recipe, and came up with what I think is a very creative way to give it creaminess while adding an extra jolt of flavor at the same time. Want to know her secret?
Well, the unexpected ingredient is a little tub of chive & onion cream cheese, melted into the chowder at the end of the slow cooker cooking time. Brilliant! Simultaneous thickening, creaminess, and flavor. And comfort.
Yes, this chowder is super comforting on a chilly day. And we all need a little comfort food every now and then, don't we? Mmm, hmmm, perhaps even on a not chilly day.
So if you love comfort in the thick and hearty chowder form, grab a spoon and dive on in. And then snuggle up under a nice warm blanket, 'cause that's pretty comforting too.
(Printable recipe)
- 3 (6.5 oz.) cans chopped or baby clams, undrained
- 1 large onion, chopped
- 8 small new red potatoes, cut into 1-inch pieces
- 1 (12 to 16 oz.) package frozen corn, thawed
- 2 (14 oz.) cans chicken broth
- 1 1/2 tsp. dried marjoram
- 1/2 tsp. dried thyme
- 1 tsp. garlic salt
- 1 c. half & half
- 2 T. cornstarch
- 1 (8 oz.) container onion & chive spreadable cream cheese
- In a slow-cooker, combine the clams (with their juice), chopped onion, potatoes, corn, chicken broth, marjoram, thyme, and garlic salt. Cover. Cook on low heat setting for 6 to 8 hours or high heat setting for 4 to 5 hours, until potatoes are tender.
- Combine half & half and cornstarch in a small bowl until smooth; gradually stir into clam mixture. Cover. Cook on high heat setting for 15 to 30 minutes, until mixture thickens a bit.
- Stir onion & chive cream cheese into the chowder. Cook on high heat setting for 5 minutes. Stir chowder until cream cheese is melted and mixed in.


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Time and time again, navabi is a treat I grant myself
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A 5 minute chat with navabistas Maren and Asmaa
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First: Head over to the synaptic package manager and mark for install the Allegro libraries. This is easiest found using the handy search feature located conveniently atop of the package manager.
Once installed fire up Code::Blocks, this is where a little problem I encountered occurred.
Allegro is not linked up to Code::Blocks by default so in your IDE select Settings > Compiler and Debugger > Linker Settings and type the following into "Other linker options"
`allegro-config --libs --static`
Be sure to include the back ticks as well. That should take care of it. Not to difficult to do but seems a lot of people experienced some problems getting Allegro to work with Code::Blocks.
Now lets test Allegro out.
Open up a new file in Code::Blocks and name it something like allegroTestFile.c and enter the following code:
#include <allegro.h> int main() { //Initialize Allegro allegro_init(); //Set the resolution to 640 x 480 with SAFE autodetection. set_gfx_mode(GFX_SAFE, 640, 480, 0, 0); //Install the keyboard handler install_keyboard(); //Print your welcome message to the screen textout(screen, font, "Hello Dream.In.Code! This is my first Allegro Program", 1, 1, 10); textout(screen, font, "Press ESCape to quit.", 1, 12, 11); //Loop until escape is pressed while(! key[KEY_ESC]) poll_keyboard(); //Exit program allegro_exit(); return 0; } END_OF_MAIN();
Press f9 to compile and run!
Here is an image of the final result - Enjoy!
Portions of this code as well as more detailed information regarding game programming with the Allegro Library can be found in Jonathon Harbour's "Game Programming All In One - 2nd Edition"
Please feel free to comment if you have any questions or concerns.


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Well, I am submitting a lesson on a very provocative drawing on characters that are part of the manga world. The tutorial that I will be putting up was done out of request and even though the characters are both male and they are both "together", they came out pretty cool on the art aspect of their creation. I will now show you "how to draw Yaoi Manga step by step". Now, I don't know too much about this manga category so I will not give you a detailed description for the first time ever. All I can tell you is that Yaoi is also called Shōnen-ai or in Japan as "Boys' Love" or "BL". The concept was created by female authors and the reading was supposed to be for female readers. The lesson is laid out with multiple poses and positions. I know the very last one may be a bit uncomfortable for some of you but, that is what Yaoi is. I do apologize in advance if any of you feel offended in any way, shape, or form. When you learn "how to draw Yaoi manga step by step", you will also be learning "how to draw manga drawing Yaoi". Have a good time and remember, it's only art.
DragoArt members upload artwork and drawing tutorials! They are also allowed to leave comments on tutorials, profiles, etc. Many more features, as well; it's way better than just being a boring guest! Register Now!


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The United States fixation with the Renminbi has distracted the government from far more important economic issues in its relationship with China. Rather than vilifying China as the principal economic threat to America, this relationship should be recast as an opportunity – especially when the opportunities of market access far outweigh the currency threat.
NEW YORK – For seven years, the United States has allowed its fixation on the renminbi's exchange rate to deflect attention from far more important issues in its economic relationship with China. The upcoming Strategic and Economic Dialogue between the US and China is an excellent opportunity to examine – and rethink – America's priorities.
Since 2005, the US Congress has repeatedly flirted with legislation aimed at defending hard-pressed American workers from the presumed threat of a cheap Chinese currency. Bipartisan support for such a measure surfaced when Senators Charles Schumer (a liberal Democrat from New York) and Lindsey Graham (a conservative Republican from South Carolina) introduced the first Chinese currency bill.
The argument for legislative action is tantalizingly simple: the US merchandise trade deficit has averaged a record 4.4 percent of GDP since 2005, with China accounting for fully 35 percent of the shortfall, supposedly owing to its currency manipulation. The Chinese, insists a broad coalition of politicians, business leaders, and academic economists, must revalue or face sanctions.
This reasoning resonates with the US public. Opinion polls conducted in 2011 found that fully 61 percent of Americans believes that China represents a serious economic threat. As such, the currency debate looms as a major issue in the upcoming US presidential campaign. "Enough is enough," President Barack Obama replied, when queried on the renminbi in the aftermath of his last meeting with Chinese President Hu Jintao. Obama's presumptive Republican challenger, Mitt Romney, has promised to declare China guilty of currency manipulation the day he takes office.
But, however appealing this logic may be, it is wrong. First, America's trade deficit is multilateral: the US ran deficits with 88 nations in 2010. A multilateral imbalance – especially one that it is traceable to a saving shortfall – cannot be fixed by putting pressure on a bilateral exchange rate. Indeed, America's major threat is from within. Blaming China merely impedes the heavy lifting that must be done at home – namely, boosting saving by cutting budget deficits and encouraging households to save income rather than rely on asset bubbles.
Second, the renminbi has now appreciated 31.4 percent against the dollar since mid-2005, well in excess of the 27.5 percent increase called for by the original Schumer-Graham bill. Mindful of the lessons of Japan – especially its disastrous concession on sharp yen appreciation in the Plaza Accord of 1985 – the Chinese have opted, instead, for a gradual revaluation. Recent moves toward renminbi internationalization, a more open capital account, and wider currency trading bands leave little doubt that the endgame is a market-based, fully convertible renminbi.
Third, there has been significant improvement in China's external imbalance. The International Monetary Fund estimates that China's current-account surplus will narrow to just 2.3 percent of GDP in 2012, after peaking at 10.1 percent in 2007. American officials have long bemoaned China's saving glut as a major source of global instability. But they should look in the mirror: America's current-account deficit this year, at an estimated $510 billion, is likely to be 2.8 times higher than China's surplus.
Finally, China has evolved from the world's factory to its assembly line. Research shows that no more than 20 to 30 percent of Chinese exports to the US reflect value added inside China. Roughly 60 percent of Chinese exports represent shipments of "foreign invested enterprises" – in effect, Chinese subsidiaries of global multinationals. Think Apple. Globalized production platforms distort bilateral trade data between the US and China, and have little to do with the exchange rate.
Rather than vilifying China as the principal economic threat to America, the relationship should be recast as an opportunity. The largest component of US aggregate demand – the consumer – is on ice. With households focused on repairing severely damaged balance sheets, inflation-adjusted private consumption has expanded at an anemic 0.5 percentaverage annual rate over the past four years. Consumer deleveraging is likely to persist for years to come, leaving the US increasingly desperate for new sources of growth.
Exports top the list of possibilities. China is now America's third largest and most rapidly growing export market. There can be no mistaking its potential to fill some of the void left by US consumers.
The key to realizing that opportunity lies in access to Chinese markets – all the more significant in light of China's upcoming pro-consumption rebalancing. Historically, China has had an open development model, with imports running at 28 percent of GDP since 2002 – nearly three times Japan's 10 percent import ratio during its high-growth era (1960-1989). As a result, for a given increment of domestic demand, China is far more predisposed toward foreign sourcing.
As the Chinese consumer emerges, demand for a wide variety of US-made goods – ranging from new-generation information technology and biotech to automotive components and aircraft – could surge. The same is true of services. At just 43 percent of GDP, China's services sector is relatively tiny. There is enormous scope for America's global services companies to expand in China, especially in transactions-intensive distribution sectors – wholesale and retail trade, domestic transportation, and supply-chain logistics – as well as in the processing segments of finance, health care, and data warehousing.
The US needs to refocus the US-China trade agenda toward expanded market access in these and other areas – pushing back against Chinese policies and government procurement practices that favour domestic production and indigenous innovation. Some progress has been made, but more is needed – for example, getting China to join the World Trade Organization's Government Procurement Agreement. At the same time, the US should reconsider antiquated Cold War restrictions on Chinese purchases of technology-intensive items.
Related: America's China-Centric Blame Game Is Absurd: Stephen S. Roach
Related: Currency Wars: Will the dollar, euro, yen or yuan prevail in 2012?
Related: China is Sick of US Hollow Promises and Reckless Government: Stephen S. Roach
For a growth-starved US, the opportunities of market access far outweigh the currency threat. The long-dormant Chinese consumer is about to be unleashed. This plays to one of America's greatest strengths – its zeal to compete in new markets. Shame on the US if it squanders this extraordinary chance by digging in its heels at the upcoming Strategic and Economic dialogue.
By Stephen S. Roach
Copyright: Project-Syndicate, 2012
Stephen S. Roach is the Non-Executive Chairman of Morgan Stanley Asia, as well as being a lecturer at Yale University's School of Management and Jackson Institute for Global Affairs. In 2009, Roach authored "The Next Asia", which contained key research papers on Asia and how the region fits into the broad global context of the globalization of investing and financial markets around the world.
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I have 3, never-seen-before layouts to share with you all today. They are all quite different in style which really shows off the versatility of chipboard in your projects.
Sweet Dreams my Little Angel
I've been carrying this photo of my daughter around for a while now along with all the supplies to create it. I had an idea of how I wanted it to look, but have been too scared to actually attempt it. I can honestly say that although it didn't turn out exactly how I envisioned {when does it ever} I am so happy with the result.
The background was created by inking through two different stencils in various areas. I then added texture by tearing and scrunching tissue paper and mod podging it over the top. You can see some of it under my main embellishment cluster.
For my smaller embellishment cluster I used a Border Hook 1 with a paper doiley folded over it to look like a hanging pennant.
To create my title I used a Dreams mini word which I placed inside a Scalloped Name Plate. The name plate was simply inked and the word painted with a thin coat of white gesso.
Memory Maze products:
Border Hook 1 - S0147
Scalloped Name Plate - X0001
Dreams - G0011
Other products:
Glitz Design papers, Prima resin angel wings, Green Tara beaded spray, D-lish Scraps flowers, resin and paper doilies, embroidery thread, inks, tissue paper.
Beach Shadows
This is a photo of my son and I at the beach over New Year. I had a grand plan to draw the heart in the sand and get the whole family in, not my best idea with a toddler who can't stand still!
The background for this layout was created by inking through a Crafters Workshop template.
For my top cluster I used Wrought Iron 49 and added some of my embellishments to it. I wanted the chipboard to offset the dark shadows in the photo so I simply inked them black.
The lower cluster uses Wrought Iron 25. I inlaid the back of it with patterned paper to make it stand out more.
Memory Maze products:
Wrought Iron 49 - S0449
Wrought Iron 25 - S0446
Other products:
Crate Paper patterned papers, D-lish Scraps doilies, flowers, resin and washi tape, ink.
Owl will always Love You
Some cute little selfies of me and my boy so I just wanted to create a fun and playful page.
I used the Love mini word as part of my title. I have coloured with some Twinkling H2O's to match.
I used a few different types of media to decorate my Owl on a Branch. Firstly I masked off the owl and leaves with some washi tape. I use this as it is low tack and less likely to tear the surface when you remove it. The woodgrain on the branch was stamped using a Kaiser background stamp. The leaves were inked and then the detail added on with a marker. For the owl I used Twinkling H2O's and white gel pen for the centre of his eyes.
Memory Maze products:
Love - G0044
Owl on a Branch - S0046
Other products:
Teresa Collins papers, Kraft cardstock, D-lish Scraps twine and beads, staples.
Thanks so much for stopping by, I hope you like what I have created to share with you all.
Until next time


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From the Book "The Spring Classics" by Velo Press:
"Cycling's spring races are always the most anticipated of the year, not only because they herald the start of the season, but also because they are brutally difficult and spectacularly unpredictable. Known as the Spring Classics, these one-day races test cycling's toughest riders with the worst conditions imaginable—sucking mud, choking dust, leg-numbing sleet, fanatic spectators, and Europe's narrowest, most bone-grinding country roads. Clattering through agrarian hamlets on routes established a century ago, the Spring Classics celebrate cycling's most glorious and meaningful history. Riders that perform well amidst the intensity of these one-day races are acclaimed as cycling's "hard men.""
These two events are my homage to the European Classics. That's why. For some fantastic photos to get you in the mood, click here: http://www.amazon.com/dp/1934030600/ref=rdr_ext_tmb and click on the "Look Inside" photo.


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Malibu Days Women's Casual Loose Swing Sleeveless Round Neck Back Tie Detail Mini Dress
Children who experience shame have a difficult time asking for what they need. They express themselves through subterfuge, manipulation, challenging behavior. The message is almost always the same. They are asking for connection...In so doing, no matter how they do it, they are risking the rejection they most fear.


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This Friday marks the first day of the Year of the Horse in the Chinese lunar calendar.
Information analyzed by Wealth-X, a research firm, shows that those born in the Horse Year are the most highly educated among ultrahigh-net-worth individuals. Those in this group, who have about $30 million or more in assets, also donate more to educational causes than any other zodiac sign.
Plus, the Year of the Horse has the highest percentage of self-made UHNW individuals, of all the 12 Chinese zodiac signs.
For instance, self-made millionaire Wenliang Wang, founder of China Rilin Construction Group, was born in 1954 and is estimated to be worth $620 million. Wang is involved in several philanthropic projects at New York University and the National University of Singapore.
After a challenging Year of the Snake, the consulting and research group Wealth-X shares its eight predictions for China's ultrahigh-net-worth investors over the next 12 months:
1. Jump in $500 Million Group
The population of Chinese UHNW individuals with net worth above $500 million will grow by almost 6% to 535 individuals, while the growth of the overall Chinese UHNW population is expected to stagnate. In 2013, the UHNW population in China included 10,675 individuals—down from 11,245 people in 2012, a drop of 5%.
2. Growth in UHNW Wealth
Chinese UHNW individuals with net worth in excess of $500 million will experience 4% growth in wealth to $630 billion. Total Chinese UHNW wealth is expected to increase by 2% in 2014 to $1.545 trillion. This figure declined by 4% in 2013 to $1.515 trillion, as economic growth weakened from expected levels, export growth declined and the stock market fell accordingly.
3. Growing UHNW Liquidity
The liquidity of the average Chinese UHNW individual will increase from 12% to nearly 14% of net worth, as some people move between wealth tiers and chose to hedge against potential economic difficulties. Still, Chinese UHNW individuals' liquidity remains low vs. average liquidity of UHNW individuals worldwide, with 25% of their net worth in liquid assets.
4. China's UHNW to Top Japan's
Despite some weakness 2013, China's total UHNW population and wealth are expected to top Japan's by 2026, the next Year of the Horse. Research estimates that in 12 years, China's UHNW demographic group could be worth some $4.2 trillion vs. $3.3 trillion for its Japanese counterpart.
5. More Shopping Overseas
In 2014, 18% more of Chinese UHNW individuals' luxury spending will be done outside Greater China (i.e. China, Taiwan and Hong Kong), primarily in American and European markets, than in 2013. Overall, the Chinese are already the world's biggest shoppers abroad, and research indicates that the number of Chinese outbound tourists could double to 200 million people by 2020, when their projected spending should triple.
6. Expanding Corporate Culture
The proportion of Chinese UHNW individuals deriving their wealth from industrial conglomerates will increase from 5.5% in 2013 to 6.5% in 2014. This should take place through a growing diversification in corporate holdings on the part of UHNW investors.
7. Time to Travel
Those born in the Year of the Horse tend to be avid travelers. As Chinese UHNW individuals are likely increase the frequency of their business and leisure travel in 2014, Wealth-X expects to see China's private jet market for UHNW individuals expand by 30%.
8. More UHNW to Live Overseas
Currently, only 1,050 of China's roughly 10,700 UHNW individuals reside outside Greater China. This population should grow by 8% this year to 1,135, as uncertainty over government policies, risky real-estate markets, problematic debt issues for many Chinese banks and environmental pressures trigger the decision by some Chinese-born entrepreneurs and business leaders to move from China to other locations.
Check out World's Top 10 Cities of the Super Rich: 2013 on ThinkAdvisor.