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This article is from the archive of our partner .
This is a big weekend for Doctor Who fans, with the long-running British science fiction program celebrating its 50th anniversary with The Day of the Doctor special. But if Doctor Who makes you say, "who?," don't worry. We can help with the basics.
We, ourselves, are Doctor Who newbies, having jumped into the series earlier this year with a little help from some experts. After taking a hiatus at the end of the 1980s—(there was a TV movie that went nowhere in 1996)—the series re-upped in 2005 to introduce itself to a new generation of audiences. So, really, you're not that far behind. And the truth is, it's really not that intimidating. Many episodes stand alone, so it's not that challenging to just, well, start watching.
It might be as good a time as ever to just watch The Day of the Doctor, which will be broadcast simultaneously on BBC America in the U.S. as it airs in the U.K. on Saturday. (BBC America also has a host of other Doctor Who programming to get you caught up.) That said, if you're planning to watch the anniversary special cold, you might need to know some keywords. Hence, we made you a glossary.
The Doctor: A Time Lord—read: alien—who travels around in time, helping people and aliens out. Has two hearts. Think of him as part Sherlock Holmes, part Doc Brown.
The TARDIS: The Doctor's spaceship/time machine. It's name is an acronym for Time and Relative Dimension in Space. Looks like an old fashioned British police box. Is bigger on the inside than it is on the outside. Makes a whirring sound.
Companion: A person that travels with the Doctor. Often female. Often very attractive. See: Billie Piper, Karen Gillan.
Regeneration: When a Doctor gets ill or mortally wounded, he doesn't die, he just regenerates with a new face and personality. Conceived as a simple way to keep the show going and change the lead actor. (Regeneration can also be provoked.) Doctors, can, however, encounter one another throughout time, yielding a good set up for anniversary specials.
The Tenth Doctor: The tenth regeneration of the Doctor, played by David Tennant. Light-hearted, but wise. Wears a pinstriped suit with Converse sneakers.
The Eleventh Doctor: The eleventh regeneration of the Doctor played by Matt Smith. Floppy-haired. Can be quite childish. Wears suspenders, a tweed sports coat, and a bow tie, the latter of which he deems cool.
Fez: A style of hat which the Eleventh Doctor also deems cool.
Rose Tyler: The companion of the one-season-only Ninth Doctor, and the first companion of the Tenth Doctor. Originally a shop clerk, during her travels with the Tenth Doctor, she became separated from him and stuck in a parallel world. Wearer of heavy eyeliner. Played by Billie Piper.
Clara Oswald: The current companion of the Eleventh Doctor. The Doctor met her multiple times throughout, well, time as she appeared (and died) in various incarnations. He ultimately figures out what's going on with her. Played by Jenna-Louise Coleman.
Dalek: The Doctor's legendary enemy, a race of aliens that were genetically modified. They inhabit robotic contraptions, and are purely evil and believe in ridding the word of all other races. Think evil R2-D2s.
"EXTERMINATE": The Dalek's catchphrase.
Time War: A war between the Time Lords and the Daleks.
Gallifrey: The Doctor's home planet. Destroyed in the Time War, leading to the Doctor's guilt.
The War Doctor: Played by John Hurt. Is mostly mysterious, but based on the latest mini-episode, appears to have regenerated from the Eighth Doctor.
Zygons: The Zygons only appeared once before, in a 1975 serial with the Fourth Doctor, but they are back for the 50th anniversary. They are red-skinned humanoids and sort of look like giant zits.
Sonic Screwdriver: A tool used by the Doctor. Does considerably more than a regular screwdriver.
This article is from the archive of our partner The Wire.
We want to hear what you think about this article. Submit a letter to the editor or write to firstname.lastname@example.com.


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subset: commoncrawl


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The Dutch Wrist Arthroscopy Course
This course has a tradition to invite speakers who are known experts in their field. We will focus on different aspects of wrist arthroscopy and on endoscopic cubital tunnel decompression. We hope that the presented lectures and demonstrations will help you to improve your care of complex wrist pathology and ulnar nerve compression at the elbow.


text: Subtitled Stuff That Really Matters, my new website at BarryMahfood.com is designed to provide you with regular articles that will benefit you. My first 3 articles (How to Build Character in your Kids, How to Stay on Top of your Finances, and How to Communicate More Effectively), are available now. Please enjoy them, and tell your friends!


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JOHNSTON, Iowa -- A new guest is helping comfort people in Johnston.
Webster the mallard duck is a new pet therapy volunteer at WesleyLife. He will visit hospice patients with his handler, and can sit on people's lap or next to them as they pet him.
The volunteer coordinator says a duck maybe unusual, but different people find comfort in different ways.
"We saw this in action just the other day and honestly is was pretty remarkable. We visited with one woman in particular who grew up on a farm. They just snuggled up with one another. It was amazing to see," said Sarah Underwood, volunteer coordinator for WesleyLife.
Webster completed the pet therapy program at the Animal Rescue League of Iowa.


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Unsalted Butter:1 stick(1/2 cup)
Milk Powder:2 cups(Bought this 4m our Local Indian Store)
Sweetend Condensed Milk:14 oz can
Few Dry Fruits for Garnishing.
1.Take a wide microsafe bowl and put in the unsalted butter stick and microwave it for 1 min.
I didnt freeze the butter and kept it at room temperature for 2 hr before I made this dish..depending on the state of the butter time may vary for it to melt.
2.When the butter melts add the sweetend condensed milk and mix well,Now put 2 cups of Milk powder and milk well so that it becomes smooth with no lumps.
3.Now microwave this mixture for 3 mins,after every minute take out the bowl and mix well and then repeat this for 3 times.
4.Fianlly give a good mix and let it cool down for 10-15 mins,this mixture will be too hot so be carefull before handling this.
5.After 10 mins,apply little ghee or butter to your palms and take small portions of the mixture and make them into small balls.discs or any desired shape and put in a plate which is greased with butter,so that they wont still to the plate.
6.Finally press in raisins,cashews,pistachio,do it very soon you make the pedas,this helps the pedas to hold them as they pedas will be soft.U can even check the video link from Showmethecurry.com here
Make this easy sweet and enjoy during festive time..


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I love to read. It's a great past time when it's to hot to do anything else! I have tried to write a few book reviews on this blog. But let's face it, I'm not good at it. I wish to write about characters and the plot that will leave people wanting to read the book. Sadly, I struggle to find the words to adequately write about my treasured books. Today I came across someone who can do just that. Take some time to explore Kristina's Book Blog. I've been reading her reviews and adding books to Shelfari for future library trips.
(And for some reason my Shelfari only shows up part of the time on my blog. What's with that?!)


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Jim Toomey is the creator of the popular newspaper strip 'Sherman's Lagoon', which started running in the Escondido (CA) Times-Advocate on 13 May 1991. Toomey began his artistic career when still at college, drawing daily political cartoons for the school newspapers and two Virginia dailies. While doing several other jobs to make a living, he started drawing a comic strip in his spare time.
Since then, his 'Sherman's Lagoon' comic became increasingly popular and is now widely distributed by King Features Syndicate to about 250 US papers, such as The Washington Post, Chicago Tribune, San Francisco Chronicleand Toronto Star. Andrews McMeel has released many book collections of the strip. 'Sherman's Lagoon' combines two of Toomey's life-long passions: art and the sea. In addition to drawing his comic strip, Toomey is active in marine conservation. The conservation message in his comic strip earned him the Environmental Hero Award in 2000.


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FORT MYERS, Fla. — Twenty years ago this June, the Twins spent a first-round draft choice on a fleet center fielder from a small Southern town.
The young man from Pine Bluff, Ark., was only 17 at the time, but Torii Hunter more than justified the selection during nine seasons on the Twins' big-league roster, from 1999-2007.
Time will tell if Byron Buxton, taken second overall last June out of tiny Baxley, Ga., will be able to match Hunter's seven Gold Gloves, four playoff appearancess and two all-star selections as a Twin.
Ramon Borrego, however, wouldn't be the least bit surprised if he did.
"I played with Torii, and I can tell you," said Borrego, who managed Buxton last year in the Gulf Coast League, "I watch this kid defensively and he's better. I think he's better."
Seeing a visitor's arched eyebrow, Borrego grins.
"For real," he said. "This kid does it easier. He glides."
Buxton, who turned 19 a week before Christmas, glided into minor league camp Wednesday morning, March 6, for mandatory physical exams. Minor leaguers won't have official workouts until Thursday, but Buxton's mere arrival created a buzz on the minor league side.
Power-hitting third baseman Miguel Sano, ranked one spot ahead of Buxton on Baseball America's Top 100 Prospects, has been in camp for weeks, traveling north from the Dominican Republic.
Buxton, ranked 10th on the prestigious list before he has even played a full season of pro ball, chose to stay in Georgia until Tuesday night.
He didn't spend the offseason knocking around Baxley, reliving his glory days as a baseball and football star at Appling County High School. Instead, Buxton made the 3 1/2-hour drive between Baxley and Atlanta twice a week so he could put himself through all-day workouts with trainer Ron Golden.
Buxton would drive up on Sunday night and then return home on Friday. He made the trek in his red Ford F-150 pickup truck, his only splashy purchase with that Twins-record $6 million signing bonus.
Well, that and a new home for his parents: Felton, who owns a trucking business, and Carrie, who works in a school lunchroom.
Nothing showy.
"That doesn't surprise me," Twins general manager Terry Ryan said. "That's kind of who he is; he's just a good kid. He was raised right."
Buxton hit every day this offseason and threw six times a week, but it was the workouts in Atlanta where he really pushed himself. "We did something different every day," he said.
Mondays and Tuesdays were devoted to the upper body. Wednesdays were for the lower body. Thursday was a combo day, and Fridays focused on the core.
Buxton packed on another five pounds of muscle, putting him at 190 with room for at least 10 more pounds on his lean 6-foot-2 frame.
"I've gotten a lot stronger and a little bit faster and learned a whole lot more," he said. "I was pretty prepared when I got here."
Soft-spoken and direct, with more than a few "Yes, sirs" mixed in, Buxton says lofty rankings don't mean much at this point of his young career.
"It's an honor to get placed in the top 10 in all of baseball," he says, "but I haven't started performing yet. Only my performance can tell."
Buxton hit just .216 in the GCL, a rookie league mostly for players age 20 and under, getting thrown out three times in seven stolen-base attempts, but he seemed to blossom overnight after getting called up to short-season Elizabethton, Tenn.
The E-Twins won the Appalachian League title, and Buxton was a key part of that.
"It was a good experience," he said. "I got more out of it than the lower level."
Former NFL running back Dexter Carter, Buxton's cousin, is the only other well-known athlete to emerge from Baxley, about 90 minutes southwest of Savannah. Carter, who spent four seasons (2007-10) coaching running backs at Florida State, his alma mater, has counseled his young relative on what to expect from a life in professional sports.
"He tells me, 'Just stay focused and keep my head on right, work hard every day and listen,' " Buxton said.
Expected to open his first full pro season at Class A Cedar Rapids, Buxton already inspires measured excitement within the organization. While Borrego sees a young Hunter, Ryan's comparison is Pirates all-star Andrew McCutchen.
"He reminds me a lot of McCutchen," Ryan said. "Buxton's not as big as Torii. He's got Hunter's instincts to go play the center-field spot, but they're different human beings. They're built differently, and Torii, personality-wise, he was very outgoing."
Buxton, barely nine months removed from his high school graduation, is polite but reserved. He still has so much to learn.
"That's all I wish for this kid," Ryan said. "Let's hope he'll keep his head on straight, he'll give the game the effort and the respect it warrants. Everybody's certainly anxious to see his progress. He has everything you're looking for."
Follow Mike Berardino at twitter.com/MikeBerardino.


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A Flood of Immigrants?
In the midst of the Senate debate on an immigration bill this month, the Heritage Foundation published a report claiming that legalization of undocumented workers already here and creation of a temporary‐worker program would unleash a flood of more than 100 million new immigrants in the next 20 years. The headline‐catching number turned heads on Capitol Hill, provided grist for talk radio, and hardened the opposition to immigration reform.
In hindsight, however, the number looks less and less plausible. Consider: If immigrants did come in such numbers, the average would be 5 million a year. That compares to an average immigration inflow, legal and illegal, of about 1.5 million during the past decade. The U.S. economy simply could not produce enough jobs each year during the next two decades to attract and employ that many immigrants. We also know from experience that previous attempts at legalization did not unleash a flood of so‐called chain migration, in which newly legalized and naturalized workers sponsor spouses, children, parents and siblings. Check out an op‐ed article posted today on the Cato web site that spells out in detail why the 103 million figure is a gross exaggeration.
The Congressional Budget Office, in its own study [.pdf] released May 16, calculates that immigration reform along the lines of what the Senate passed last week would increase immigration over the next decade by less than 8 million. And an analysis by the President's Council of Economic Advisers found numerous methodological faults with the Heritage study, including double counting and failure to account for emigration.
The Heritage study generated a lot of heat in an already over‐heated immigration debate. Unfortunately, it failed to provide any real light.


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Worried About Bed Bugs? Bed Bugs Control is Crucial
Bed bugs are one of the worst pests that you can bring home with you. There's no real way you can accomplish bed bugs control without experience, equipment, and professional expertise. Bed bugs will chow down on you at night since they need blood to reproduce. Their bites are itchy and, because bed bugs are so small, you typically won't see them until you have enough of them to notice.
Bed Bugs Prevention Tips
The most important of all bed bugs control and prevention tips relates to staying in other places, like hotels. Bed bugs hitch a ride home. They don't go outside on their own looking for a new place. They don't naturally migrate. They don't look to change environments once they find a home. Instead, they're so numerous and so small that if you stay in a hotel that has them, a few are bound to get in your luggage and travel home with you.
This means that the best way to prevent bed bugs is to check the rooms you're staying in when you are away from home. Anywhere you're staying, before you even unpack, pull back the sheets and check the mattress corners – both under the sheet and against the bed frame. Use a flashlight or the flashlight on your phone. Look for small, moving red dots, especially in the seam and creases.
This might seem overblown, but if you have a bed bug situation even once, you'll soon swear by this everywhere you go.
Bed Bug Control
Bed bug infestations have even been known to create a kind of PTSD if the infestation gets bad enough. They are truly that bad. They make it impossible to go to sleep for fear of what it will be like to wake up the next day itching and full of bites. Don't take them lightly. They also breed at lightspeed, so even a few bedbugs hitching a ride home in your luggage can turn into a sizable population quickly.
If you suspect you have bed bugs, get an inspection. This is crucial. You must address them as quickly as possible. Bed bug removal can be accomplished – it takes multiple treatments to reasonably eliminate their populations.
Don't let it ride and hope it improves. It won't unless you address it. If you leave bed bugs alone, they will get much, much worse. Contact Ransford Environmental today if you think you have bed bugs in your home.
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Hazel's birthday party in Wantage was a joy to photograph. Three generations of one family, from septuagenarians to merely weeks old, all gathered in one place to celebrate a special birthday for a wonderful lady. She and her husband, Jim, had flown from America to be there and the family had pulled out all of the stops to make it a memorable occasion for them.
The venue was Wildwood kitchen in Wantage and they had the entire upper floor at their disposal along with the cinema room.
I was Hazel's surprise gift – a first for me (though I'm glad I didn't have to jump out of a cake or anything!) Here is a selection of images from the day.


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|Climbing Blueberry Hill
We had another spectacular day for last Saturday's ride in Sidney. Beautiful sunshine, calm winds, and some nice shady stretches when it started to get too hot. Many thanks to Jim Putnam for another great ride leading up to the Fourth of July. For those of you who are not going to the Maine Bike Rally this weekend, we have a ride planned for Saturday, the Seventh of July, exploring the Seven Hills of Rome (more or less). Hope we see you on Saturday - have a great Fourth and a great weekend!
Saturday, July 7th: ROME
"The Seven Hills of Rome" - a roadside tour of the many hillside trails through Rome and Belgrade.
START: 9:00 AM, Rome Town Hall at the corner of Rt. 225 and Mercer Road, about 0.3 mi from the junction of Rt. 27 and Rt. 225.
DISTANCE: about 20 miles.
TERRAIN: Hills. Seven at least. Otherwise moderate to hilly.
HIGHLIGHTS: the route passes 5 trailheads, Blueberry Hill and the Kennebec Highlands. There is an optional short hike up French's Mountain to a spectacular scenic vista. Several swimming opportunites, too. Possible ice cream stop.
LEADER: Jim Merrick.


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*blows dust off of blog*
Hello, dear readers! Oh, how I've missed you. I've finally screwed up the courage to post here, after months of hemming and hawing over what I should say. It seems so much has changed in so little time, and I'm still catching my balance. Finally, I decided it's too embarrassing to be a writer who can't find the words to say what she needs to say, so I've decided just to do my best in a usual ramble. 😉
So, in recent history, I turned 29. My sister threw an amazing surprise golden birthday party for me, and it was more than I ever imagined. I told my sister I'd been planning it–like a wedding–since I was a little girl. When I was young, I imagined I'd host a grand party in my mansion or maybe a castle (seriously), wearing a beautiful golden dress, surrounded by husband, children, parents, friends, loved ones, and stacks of my own best-selling novels.
Well…I did find the dress, which I shopped for without having any plans of my own–lacking said mansion, husband, and children–and, most importantly, lacking inspiration for this life-changing moment. I just knew I had to find one, even if it meant sitting at home, wearing it by myself–it was the one part of my vision of turning 29 I could keep. Finding "the dress" had as much tribulation as what "the dress" usually means (wedding!), but I found it, after months of searching, on *clearance* at Bloomingdale's…the only one of its kind! Gold, hand-beaded, retro design. It was like a dream.
But the dress is the least interesting part of the party! Jennifer really blew me away with all of the thoughtful touches. She invited all of my loved ones, most of whom were able to make it. She served all my favorite foods, right down to pretzel rolls for the sandwiches and fudge-covered caramel apples, which she burned herself making from scratch. ❤ ❤ I felt so surrounded by love and joy; it was overwhelming.
Turning 29 was a momentous occasion for my life–I'd set goals for myself when I was young, a list that had gotten longer over the years. The timing was highly reflective for me: it was also the 9-year anniversary of my brain injury/Miracle Day. It was also the same timing I traveled to Colorado to visit Lindsey, which was a totally new experience for me–with a combination of nature, good friends, and adventure, it provided for a lot of introspection–which travel tends to do for me–that's probably why my soul needs it so much. 🙂
There's no easy way to say this: I realized my relationship with Jeremiah wasn't where or what I wanted or needed it to be. I realized we'd grown in different directions, that things had changed and couldn't change back. The realization was sudden, but I realized it had been building within me for a long time.
But we're still friends. I'm so grateful for that. And I'm so grateful for the loved ones helping us both through this transition.
I've had to "forgive" myself for being a different 29-year-old than I'd imagined. First drafts aren't what gets published in the end, right? 😉 I suspect I've quoted this favorite before: "We plan, and God laughs." I am blessed to have the life that I do. Even if I haven't yet hit the "milestones" I thought I would have, I love the path my life has taken. I am grateful for so many things I never expected to have–my career, my writing, my loved ones, my furry babies, even my health.
It's been a crazy year of change, of love and loss, of tragedy and joy. Of finding myself in new places. Of taking risks that made a difference.
And I wouldn't change a single minute. It's all made me who I am.
I think that's what I wanted to say, dear readers, in the end. Thanks for bearing with me. I'm backed up on lots of news to share–I just participated in and helped to plan a LITERARY FESTIVAL last weekend, for instance–but I had to say this first.
Oh, and another thing I'm grateful for–you. ❤
Stay tuned for more posts soon. And if you don't hear from me before then–Happy Valentine's Day. (Jell-Jell is all decked out for the holiday in my avatar–thanks to Jennifer!) Even if you don't have a romantic partner, I urge you to go celebrate love with other loved ones. That's what I'm doing. 🙂 ❤


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Hear Lauren Maul's "Apologies From Men"
So many of the apologies this past year from men who abused women and minors in show business have been lacking. Thank goodness for Lauren Maul. Maul, a NYC-based comedian, has released a new album, "Apologies from Men." She will donate 100 percent of the sales revenue from the album to RAINN, the nation's largest anti-sexual violence organization. A free visual album will be available online, too, through Vimeo and apologiesfrommen.com. And you can celebrate with her in a live concert tonight in NYC at The PIT (People's Improv Theater): Tickets are available here for $10. Maul's album takes the...Read More


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Although I've lived only a mile away from the ocean for most of my life I'm a terrible swimmer. Boogie boarding in the little kids area is as close as I get to real surfing (but it's great fun and I can totally pretend that I am really surfing, just like the little kids).
Still, I really identified with the image of this surfer girl. I mean, who wouldn't want to be her? I decided to place her on top of a cascading pile of layered vintage papers. Now she's in my element, collage. What's your element?


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Healthcare M&A
Whether you are looking to expand your existing hospital network, or are an independent hospital looking to become part of "something larger," Veralon's affiliation and transaction experts can help.
Is your organization looking at whether it can continue to be independent or needs to consider a merger or acquisition?
We can assist you in determining your interest in partnering, assess specific partnership opportunities, negotiate and develop a letter of intent, complete comprehensive due diligence reviews and post-transaction financial modeling, and facilitate transaction proceedings and completion of pre-close activities.
Throughout these engagements, our staff proceeds with great sensitivity to the concerns, loyalties, and deep commitments present as discussions and partnership plans evolve.


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MIAMI – Erik Spoelstra found himself in a different position Thursday, one he has not been in for a couple of seasons.
The Heat coach looked down his bench and had … too many options?
Yes, the Heat were as healthy as they' have been in two seasons for the entirety of their 108-99 victory over Philadelphia. Miami had 14 of the 15 players on the roster available, the lone exception being Dion Waiters. So, after deciding Jordan Mickey would join Waiters on the inactive list, Spoelstra had to whittle down his rotation.
"I got lost in all the sauce, a couple of times," Spoelstra said, borrowing a phrase Chris Bosh favored.
"I forgot about a couple of guys. You're used to having a different rotation and all of a sudden we have everybody available so our guys were able to compete and play hard, empty the tank. Now I'm having to make good decisions."
The return of Wayne Ellington finally flushed out the roster. Miami started the Sixers game on Feb. 27 the same way but lost Ellington and Tyler Johnson to quad injuries before it had ended.
"We have a lot of versatility," Ellington said. "But we feel like there's strength in numbers. Take away one thing, we've got something else for you. Everybody's got to be ready to contribute."
Spoelstra had to make some tough decisions and on this night it was Luke Babbitt, who started the previous three games, and Rodney McGruder, who had averaged 19.8 minutes in his five games since returning from leg surgery, who never got off the bench. Udonis Haslem also was in uniform and did not play.
Of the 10 that did play, nine logged more than 20 minutes, led by Goran Dragic's 33 minutes, 32 seconds.
Of course, that does not mean Spoelstra will stick with the same 10 Saturday when the Heat host Washington (7:30 p.m.)
"This is a blessing for us that we have our health at the most important time of the year. It beats the alternative for sure," Spoelstra said.
"Depth is one of the biggest strengths of this team and we were able to utilize it (Thursday) and wear on a team. And everybody played as hard as they could at a high level and it took contributions from everybody. We haven't had that kind of game in a long time where everybody that played in the game really contributed in a positive way."
Adding Dwyane Wade and Babbitt at the trade deadline gave the Heat 12 players who could legitimately claim a spot in the rotation. And Spoelstra continues to experiment. He went back to the Dragic, Tyler Johnson, Josh Richardson, James Johnson, Hassan Whiteside starting five for the seventh time this season Thursday. When he inserted Babbitt as a starter a week ago against Detroit it was his 20th different starting lineup this season.
"There're a lot guys who are still working through the rotation and it could be different guys different nights," Spoelstra said. "We're treating these as playoff games. The rotation will be whatever is necessary. Depth is a strength of ours and we intend on using it."
[Heat coach Erik Spoelstra on Dwyane Wade: 'He's filling his cup from the fountain of youth']
[Erik Spoelstra says missed calls in Washington could have changed 'momentum and complexion' of game]
[Want more Heat news sent directly to your Facebook feed? Make sure to like our Heat Facebook page]


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Shauncastic 90: Doogie Starts The Story
May 30th, 2012 | Podcast
Podcast: Play in new window | Download
The Beginning of 90s Month! Where our cast talks about the Television of the 90s.
This week's Prequel Segment is about Neil Patrick Harris Plays The Doogie Howser THeme.
The "Cast" this week is DrMrsTheAwesome, Christina "The Brownie" and Nathan the "Darkish Knight"
You can now follow us at Facebook.com/Shauncastic. We're also on iTunes! So make sure to subscribe, rate, and leave reviews to help improve our listenership! Email us your thoughts, questions and suggestions for upcoming episodes at email@example.com. Enjoy!


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Alan Pardew slammed a controversial handball decision by referee's assistant Steve Artis after it robbed him of a winning start as Charlton manager against Fulham.
Charlton were on the brink of their fourth win of the season at 2-1 ahead, but with just one minute of added time left Artis flagged for handball against Djimi Traore. The Charlton defence failed to deal with Michael Brown's subsequent free-kick and Franck Queudrue drove in the equaliser.
"It was almost an unfathomable decision," Pardew said. "I am absolutely disgusted. Mistakes happen, but the official made a bad mistake. We were two minutes from ecstasy, but now we feel deflated."
He added: "I felt a little bit aggrieved at the time because I didn't think there was anything in it. But having seen it again, I am really, really disappointed.
"Our players were getting a little bit nervous, being a bit rash and making poor decisions towards the end of the game, but that is be expected – but not from the linesman and referee.
"I thought Djimi might have handled the ball, but he is such an honest boy and said he didn't touch it with his hand. It is quite obvious.
"The players have had a lot of blows this season and now they have had to take another one. But the character they showed after conceding the first goal and putting in a full-hearted performance was commendable.
"I was just happy with the attitude of the players. There were times when we looked rash and ugly, but you could not fault the commitment and effort.
"It's a blow to the fans and they didn't deserve it for the effort they gave us. It is a horrible game at times.
"Unfortunately we couldn't deliver the win, but it wasn't for the want of trying. Any points dropped are difficult to stomach. But it is not a killer blow – it is a point gained and we go forward."


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No telling how many Mexican-American kids have seen Walkout, the movie directed by Edward James Olmos depicting a mass walkout by high school students in East Los Angeles in 1968. It just premiered on HBO Saturday March 18. (You can see the trailer here.) But I do find lots of references to it on MySpace, including comments from kids who think it kicked off the mass walkouts of the last few days around the country.
I'm working on a column about how this happened. If the movie is a piece of it, it's only one. Spanish-language DJs are also having a major influence, and then there is the role of connectivity itself--cell phones, text messages, event bulletins, instant messages, blogs. It's a political miracle at several levels. The most immediate is the political awakening of young Latinos, especially those of Mexican descent. The broader phenomenon is the stirring of a huge new energy of mobilization that is beyond the touch of dinosaur politics.
I hate to be really superficial about it, but those kids also just looked really good and sounded smart when they were given a chance to actually talk. I heard one of them say, "We are the pilgrims." I got chills.
And then there is the in-your-face factor. These kids come from such a formal, elaborately polite culture, especially the young people in Dallas who tend to come from Guanajuato and central Mexico. It's exciting to see them learning that in American politics and culture, you take to the streets and put a little fear of God in the fat cats if you want change. People disparage Mexican immigrants for not voting. But nobody wants them to vote. Eventually the people who are walking out will learn that voting works even better. But walking out ain't bad.
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My idea for a placard: "Build your own damn house." --Jim Schutze


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I know my debut novel, Stone Bay, is already up and selling at Amazon, but there are some awkward sentences and a few explanatory phrases that I thought, as did my Editor and Critique Partner, necessary. Thankfully in this world of self-publishing and instant digital content, this is not a problem. And if there are sizable edits, Amazon will even send the new file directly to those who've already bought the eBook. Please remember to check in your 'Manage Your Content and Devices' section of your account at Amazon the box marked Automatic Book Update. I may make sure that Amazon knows that the new file has some new content by naming it Edition 2 or something like that. Never fear though, the story is the same, the ending is the same, just some tweaked sentences.
Now that I have these edits I can finally finish the Print on Demand, too. That has been languishing on my desk in a proof copy for weeks, but I have a book signing coming up and need to have some books to sell and sign! My village now considers me a celebrity, but then my village consists of only about 1200 people (and that's including the summer residents). So I'm a big fish in a small pond I guess.
Hopefully the next two books don't have these barriers getting in the way of their production. I think I have the correct sequence now though. My Developmental Editor has the second book and is looking at it as we speak. My critique partner is looking over (in 4 chapter increments) the third book. When she finishes that one will go to the Developmental Editor, then to my line editor who's expert in grammar, then to a proofreader, then to my publisher, A Thirsty Mind Book Design, to format and convert into an eBook and Print on Demand. Oh, I forgot… the cover. I need a human image for the second book cover, and I haven't even started looking for things for the third book.
Yikes! See, it will never end?


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The first step to successful caregiving is taking care of yourself. Powerful Tools for Caregivers is an educational program designed to help family caregivers take care of themselves while caring for a relative or friend. You will benefit from this class whether you are helping a parent, spouse, friend, someone who lives at home, in a nursing home, or across the country.
The program is a six week course supports caregivers by enhancing self-care behaviors, examining ways to manage emotions, encouraging self-efficacy, and promoting the use of community resources. Each session is customized with interactive lessons to equip family caregivers with tools needed to take care of themselves while taking care of someone else.


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Campus Disruptions
Doughty House Water Line
Construction Activity Notice- Doughty Water Line
Christmas Brook Culvert
Construction Activity Notice – Christmas Brook Culvert
Heating Plant/Boiler Project Black Start
Construction Activity Notice – Heating Plant /Boiler Project Black Start
Mt. Hope Bridge Replacement
Mt. Hope Bridge Replacement – Construction Activity Notice
Public Parking Lot – Phase 3
Construction Activity Notice – Public Parking Lot – Phase 3
Berkshire Gas Update
Berkshire Gas Update – Activity Notice
Christmas Brook Culvert – Waterline Adjustments
Christmas Brook Culvert – Waterline Adjustments
Public Parking – Revised
Public Parking Revised – Construction Activity Notice Parking Lot Map
Christmas Brook Culvert – Latham St. One Lane Traffic
Construction Activity Notice – Christmas Brook Culvert/Latham St. One Lane Traffic
Walden Street Temporary Parking Lot
This is advance notice that we may need to close the temporary parking lot that was just opened last week at Walden Street. This is not the parking area in front of Doughty House. Due to the extreme weather and the heavy rain expected today, the condition of this lot is marginal. We are going to stage


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Virginia has publicly funded in-home programs for those who cannot afford private-pay home care.
To find Home Care options in your area, visit http://www.homecarechoice.com
Among them the Community Living Program, a nursing home diversion program, and Home and Community Services, a program to enable low-income seniors to live at home.
How To Pay For Home Care in Virginia
There are diverse ways to pay for home care and in-home services and organizations to help find funds.
For example, long-term care insurance covers long-term care that Medicare and supplemental insurance don't cover – if your policy includes care at home, so study the small print.
Policies specify kinds of care and conditions you must meet before the insurer will begin paying for home care. You must have problems with several "activities of daily living" – bathing, eating, dressing, toileting, walking and moving from one place in the home to another.
For unbiased information about long-term care insurance you have or want to buy, contact the Virginia Bureau of Insurance life and health consumer services at (804) 371-9691 or toll free at (877) 310-6560.
Other unbiased information about health insurance is available through the Virginia Insurance Counseling and Assistance Program (VICAP) located in area agencies on aging statewide. VICAP gives free confidential help dealing with enrollment, medical claims, billing problems, filing for benefits and understanding statements. In Richmond, call (804) 343-3000 or (804) 343-3014 for VICAP.
Some medical insurance policies include limited coverage at home for certain conditions. Again, read the fine print.
There are strict rules for home-care paid under Medicare, the federal health program for people over age 65 and others, and Medicaid, the state-federal health program for low-income people. Some Virginia programs with home services are on a sliding fee scale; others are free.
A quick source of finding financial aid and services that you qualify for is the National Council on Aging free comprehensive online program, www.BenefitsCheckUp.org
Another first-step in finding benefits and care is the Eldercare Locator, a national information and referral service sponsored by the Administration on Aging at (800) 677-1116. The Web site is www.eldercare.gov Enter your zip code to find your nearest Area Agency on Aging (AAA). Services vary at hundreds of AAAs nationwide, but their shared mission is to help older adults remain independent at home with unbiased information and connection to resources.
In the Richmond area, Eldercare Locator will refer you to Senior Connections, The Capital Area Agency on Aging, 24 E. Cary St., Richmond, VA 23219; (804) 343-3000 or www.seniorconnections-va.org This is a useful place to start finding resources and information for seniors and caregivers in Richmond and the counties of Chesterfield, Henrico, Hanover, Goochland, Charles City, New Kent and Powhatan.
Senior Connections offers a comprehensive range of home and community services aimed at helping seniors maintain quality independence. It emphasizes help to frail, low-income elders who are along and physically or economically at risk.
It also offers a free long-term care home consultation by a nurse or social worker. You can get help finding payment sources. Call Majoria "Jo" Norton, care coordination manager, at (804) 343-3000.
Another go-to source is www.SeniorNavigator.com, which provides online resources statewide on health and community support for seniors, caregivers, adults with disabilities and families.
Medicare, the federal health insurance for seniors over 65 and others, "covers only a small proportion of the long-term care services you may need if you have a chronic illness or disability," according to Medicare literature.
"Most importantly, it will not cover 'personal or custodial' care or supportive services, such as homemaker or Meals on Wheels. Medicare pays all medically necessary home care for limited hours for a limited number of days, and, after deductibles are met, will pay 80 percent of Medicare-approved durable medical equipment – such as a walker or wheelchair. Your Medicare supplemental insurance typically pays for the remaining 20 percent once you've met the insurance deductibles."
Instead, Medicare focuses on acute care rehabilitation. It pays for limited home health care requiring skilled nursing such as intravenous and medication administration and physical, speech and occupational therapies. The recipient must be homebound with a physician-approved care plan.
Medicare-certified home health agencies can't charge more than they are paid for Medicare-approved services. They're required to tell you in writing and verbally costs that Medicare won't cover.
For details on the Medicare Home Health benefit in original Medicare, visit www.medicare.gov or call (800) 633-4227. Other information sources are Social Security at www.ssa.gov or (800) 772-1213, your local Social Security office, state Bureau of Insurance life and health consumer services at (804) 371-9691 or toll free at (877) 310-6560 or VICAP at (804) 343-3000 or (804) 343-3014.
Ask about Medicare Part A's benefit that may pay for hospice at home, including for a serious medical condition like dementia.
If your Medicare insurance is through a Medicare health plan or Medicare Advantage Plan, check your plan for in-home services.
The Qualified Medicare Beneficiary and Special Low-income Medicare Beneficiary programs help low-income seniors pay for some of the Medicare Part A and B premiums, co-payments and deductibles.
Medicaid is the state-federal program for medical and long-term care assistance for people of all ages with very low incomes and assets. Medicaid, the payer of last resort, is the main funding source for late-life care nationwide.
Most services under Medicaid are free – but there are strict enrollment limits. For seniors, that often means "spending down" assets, savings and income before qualifying. Total asset limits take into consideration a spouse who still lives at home. Medicaid investigates to see if you've deliberately divested yourself of assets to qualify.
There is a Medicaid online enrollment form at www.easyaccess.virginia.gov
Senior Connections also will help fill out applications.
Medicaid covers such things as home health care; homemaker and chore services; care by physicians, podiatrists, optometrists, dentists, chiropractors and psychologists; hospice care; medical transportation; eyeglasses; dentures; hearing aids and prescription drugs.
Home and Community Services for the Elderly is Senior Connection's program for seniors whose income is too high to qualify for Medicaid but who still need financial help to stay at home. Seniors in this program wouldn't be able to live independently without help, and may or may not be impaired enough to enter a nursing home. Seniors can receive help such as personal care, home-delivered meals and transportation to medical appointments. Services are free or based on a sliding scale. Call (804) 343-3000.
The Community Living Program is a nursing home alternative that begins Oct. 1 for a limited number of low-income seniors age 65 or older who are eligible for Medicaid and who need skilled or intermediate health care. The goal is to prevent costly institutionalization or Medicaid useage by providing needed home services. Seniors can get help with such activities as bathing, dressing, using the toilet, hygiene, eating, walking and moving from one place in the home to another; home-delivered meals and medical equipment. The cost is free or at an affordable level based on income and assets. Call (804) 343-3000.
Medicaid also covers in-home and community-based long-term care services through several programs in Virginia via Assisted Living Waivers, if you're medically or financially eligible.
Home-delivered nutrition programs such as Meals on Wheels deliver a weekday chilled meal to adults who cannot shop or cook for themselves. Meals are to qualified homebound seniors based on ability to pay, but donations are welcome. Call (804) 673-5035.
Veterans programs are complex, and the easiest way to find ones you and your family qualify for is to have a guide. Contact the Virginia Department of Veterans Services, whose benefit service officers will assist veterans with finding and submitting benefits paperwork. In Richmond, call benefit service officers at (804) 675-6546.
An overview pamphlet is "Federal Benefits for Veterans, Dependent & Survivors (2010 edition)" is athttp://www1.va.gov/OPA/publications/benefits_book.asp
Eligible military retirees may be covered by TRICARE For Life, an original Medicare wrap-around insurance available to all Medicare-eligible TRICARE beneficiaries, regardless of age, provided they have Medicare Parts A and B. TRICARE has a low-cost prescription benefit.
Beneficiaries also include Medicare-eligible family members and widow/widowers and certain former spouses if they were eligible for TRICARE before age 65.
For more information, contact WPS TRICARE For Life, P.O. Box 7889, Madison, WI 53707-7889 or (866) 773-0404, TDD (866) 773-0405 or www.tricare4u.com Another Website is www.tricare.mil/tfl
Family Respite Care Grant
Family caregivers of those with Alzheimer's disease and other dementias can apply for a grant to get respite care only through local non-profit organizations that are members of the Alzheimer's Foundation of America. For information and lists of member organizations, visit http://www.alzfdn.org or call (866) 232-8484. For more information about dementia, call the Alzheimer's Association, Greater Richmond Chapter's 24/7 Helpline at (800) 272-3900.


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Michelle Kantor receives Lifetime Advocate Award from the Federation of Women Contractors
Chicago, Illinois (June 20, 2013) – McDonald Hopkins' Member Michelle Kantor received the Lifetime Advocate Award from the Federation of Women Contractors (FWC) at the organization's recent Annual Awards Reception.
The Lifetime Advocate Award is a significant recognition which has only been given out three times in the organization's 24 year history. The FWC is committed to advocating for women-owned businesses and women executives in the construction industry. The FWC's Annual Award Reception recognizes women and men in the industry who exemplify the ideals of the organization.
"Michelle spends every waking moment encouraging, mentoring, counseling, advocating and promoting women, minority, veteran and veteran-disabled-owned companies," said FWC President Maureen Jung. "Her passion and commitment to women, minorities and veterans is genuine and profound and she has dedicated her entire career to assisting and promoting them."
Kantor serves as General Counsel to the FWC, helping the organization further its mission of advocating for women-owned businesses and women executives in the construction industry.
Kantor has more than 26 years of experience practicing in government contracting, procurement law, corporate law, and litigation. Kantor represents prime contractors, subcontractors, suppliers, professional service contractors, laboratories, technology companies, consultants, and other businesses in matters including, Federal Regulatory Compliance, SBA Small Business Programs, Federal Mentor Protégé Programs, SBA 8(a), HUBZone, SDVOSB, WOSB, WBE/MBE/DBE certifications and appeals, Size and Bid Protests, Joint Venture and Teaming matters, payment disputes, Request for Equitable Adjustment matters, Regulatory Violations, Response to Government Investigations, and company corporate matters.
About McDonald Hopkins
McDonald Hopkins is a business advisory and advocacy law firm with offices in Chicago, Cleveland, Columbus, Detroit, Miami, and West Palm Beach. In January 2013, McDonald Hopkins launched a new subsidiary based in Washington, D.C., McDonald Hopkins Government Strategies LLC, led by former Congressman Steven LaTourette. McDonald Hopkins Government Strategies is not a law firm and does not provide legal services.
For more information about McDonald Hopkins, visit mcdonaldhopkins.com.


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Columbia Pubilc Works May Play a Larger Role in Snow Removal
Related Story
COLUMBIA - The City of Columbia's bicycle and pedestrian committee is exploring new programs to help with sidewalk snow removal.
Current city ordinance says it is the responsibility of property owners to clear any and all hazards, including snow, on the sidewalks in front of their properties. The city handles snow removal in front of city buldings.
Columbia Resident and business owner Susan Toth-Eggener said while it is a "nice idea," sometimes other factors, such as property owners being out of town, keep the sidewalks from getting cleared.
Toth-Eggener said, "It's dangerous. People fall a lot, I've seen it."
One pedestrian told KOMU 8 News her supervisor slipped on the sidewalk in front of a downtown building and broke her wrist after Friday's snowfall.
The committee put together a report in January of 2012 that looked into different areas of the issue including education, priority locations and enforcement. Columbia Public Works spokesperson Steven Sapp said the committee will hear a proposal for a new pilot program Wednesday that will involve the expansion of the cities snow removal area and ways to enforce the current ordinance.
The meeting is at 7 p.m. at city hall.


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If you haven't checked out the featured artists area of the site, I suggest you go there. Not only will you see the work of Ojimbo but Justin Degarmo as well, both of them are amazing artists.
The piece shown here is an original that is available from Justin. The piece is entitled "Lunch Is On Brendan", as in Brendan Danielsson fellow Art Dorks member and superb artist as well. The painting is acrylic on wood, 12″ x 12″. The colors on this one are outstanding, as well as the whole layout an content. It really freaks me right out, and thats possibly why I love this painting so much, aside form the skill that Justin has of course. This painting is still available and needs to be hanging on someones wall, if not yours than maybe mine, if anyone feels like being generous…. :)
Head on over to Juston etsy page to see this work, as well as other paintings he has for sale:
Justin Degarmo Etsy


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It was inevitable, really, that something would be said about the fact that I am retiring. I have spent most of the last forty-three years at the 'chalk face' even when it turned into a 'whiteboard face' and then into an 'interactive whiteboard face'. I have taught pupils between the ages of 5 and fifteen and pretty much every subject on the primary curriculum. Some I have felt comfortable with and others decidedly not; never mention year six geography … ever!
I began my career with ILEA – Inner London Education Authority – at a time when that was all there was in the capital. As a 'rookie' (NQT – Newly Qualified Teacher) I was put into a staff pool and assigned a school. I was very lucky – I was living in South London at the time and Battersea was not hard to get to. The school also had the advantage of being in the middle of a rejuvenation project, which meant that many of the houses had been knocked down ready to be rebuilt, leaving few families and, consequently, very small classes. My first year three class in an Inner London school, way back in 1973, consisted of sixteen pupils. Not many new teachers working in the State Sector could have boasted that then and certainly can't now.
After a year I moved back home, as my flat mate married, leaving me driving across London from north to south. This went reasonably well for a year but, when I started to realise I couldn't remember great chunks of the journey, I called time and contemplated a move nearer home. As it happened, the grammar school which I had attended had now turned comprehensive and suddenly had the need of what was then called 'remedial' teachers to support English and maths. I didn't know this, of course, but cold-called my erstwhile head teacher and asked if she had a job for me. She did; teaching English Support to years 7-9 – I think she may have made that one up for me. A year later I was getting married. We were moving to the Midlands and I, regretfully, left that job. More posts were in the pipeline before I had the two kids.
Apart from a fourteen year span whilst we were bringing them up, I have known nothing but teaching. I have seen the inception of the National Curriculum, all its varies incarnations and the New National Curriculum, the most recent. I have gone from teaching what I felt like to being told what to do and having to write it all down first. I have worked with a plethora of heads and other colleagues, some of whom were amazing and others Hell Spawn. I have been euphoric and ground down but I have always loved the job. Seeing the change in seven-year-olds as they turn into human beings, or the realisation in a fifteen-year-old that you haven't written her off because she can't read.
September 2013 was the turning point. I found that, in spite of trying my damnedest to get some relaxation over the summer break, I woke up on the first day of the new term feeling almost as tired as the last day of the previous term. Things didn't improve and, by the end of that academic year, I was wiped out. I came to a number of conclusions from this experience; I really wasn't as young as I thought I was any more, I was working harder than I had ever done and my home life was being affected. Time to go. I managed to make it through the next three terms and was finally allowed to leave. I feel so sorry for my (ex) colleagues who must continue but this is right for me. I still love my colleagues to pieces. However, on September the first, the beginning of the new academic year, I plan to send them each a text with an attachment of a photo taken down the bed of my feet under the covers accompanied by the message 'Still not up'.


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ABOUT US - Guabello
For over two centuries, since 1815, Guabello's profound relationship with its surroundings, and its history of craftsmanship, expertise, and excellence continue to be handed-down, generation after generation.
Guabello fabrics are produced entirely at the Mongrando factory, where tailoring expertise, creativeness, quality, technology, and respect for the environment are company hallmarks.
Its collections are manufactured using high quality raw materials and fibres, including top-grade Merino Wool, by combining tradition, style, and research.
Guabello hightlights distinctive values that made and continue to make the renown history of the industrial district of Biella. Indeed, the Made-in-Biella label is recognised throughout the world for the excellence of its products.


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A statutory demand is a formal written request that a debt must be paid.
How to serve a statutory demand
You must deliver (serve) the statutory demand by:
- giving it to the individual who owes you money (you should try all their known addresses)
- leaving it at the registered office of the company or partnership that owes money (or the main place of business if they dont have a registered office)
- giving it to the company's director, company secretary, manager or principal officer
- get a 'process server' to serve it for you (a solicitor can arrange this)
You can only send it by registered post or put it through a letterbox if it cant be delivered in person.
Records you must keep
You must keep a copy of the statutory demand and anything that confirms:
- the time and date you served the statutory demand, e.g. a postage receipt or confirmation from your process server
- the debtor has received the statutory demand
You'll need this information if your demand is ignored.
If your demand is ignored
If your debtor doesn't pay the debt or agree to your statutory demand within 21 days, you can:
- start bankruptcy proceedings against any individuals who owe you £5,000 or more
- wind-up a company that owes you £750 or more
You have 4 months to apply to bankrupt or wind up your debtor.
Setting aside a statutory demand
If you don't agree with a statutory demand you've been given, you can apply to challenge it and get it 'set aside'.
- You can be made bankrupt or your company wound up if you ignore a statutory demand
- You must apply to the court named on your statutory demand. Contact a solicitor or your nearest county court if you're not sure where to send your application
- You can't challenge a statutory demand if it was served on a company.You can apply to the court to stop ('restrain') your creditors from applying to wind up your company. You must do this within 21 days of getting the statutory demand
- Any bankruptcy petitions the creditor has already filed against you will usually be suspended until the court reaches a decision
The court won't usually set aside a statutory demand if it was served on you following the judgment of another court unless, for example:
- you think the creditor owes you the same amount as your debt, or more
- the amount on the statutory demand is secured
You must apply to challenge the statutory demand within either:
- 18 days if you were in the UK when you got the statutory demand
- 21 to 34 days if you were in another country when you got the statutory demand
If the deadline is during a weekend or on a bank holiday, you have until the next day the court is open to apply.
You might be able to get an extension in some circumstances – contact the court to find out what these are.
Contact us
Specific advice should be obtained before taking action, or refraining from taking action, on any of the issues covered above.
For further information, please contact one of our Partners who will be able to assist you.


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English Premier League club Arsenal has confirmed
support for Vietnam's Under-19 (U-19) team during its European tour in
|The Vietnam U19 team comprises mostly members of the Hoang Anh Gia Lai Arsenal-JMG Academy.
The Vietnamese squad will be permitted to stay and train at Arsenals training ground.
There will also be a friendly match between the host club and the visitors during the squads training course from March 2 to 21.
After training with Arsenal, the U-19 team will head to Belgium, where it will play scheduled matches with various Arsenal JMG academies.
The Vietnam U19 team comprises mostly members of the Hoang Anh Gia Lai Arsenal-JMG Academy.
Twenty one players have been selected for the European tour. They will be led by French coach Graechen Guillaume and two assistants. One interpreter and one doctor will also be part of the contingent.The tour and the friendly matches are part of the preparations of the team for the upcoming Asian Under-19 Football Tournament, which will be held in Myanmar later this year.


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Difference between revisions of "Puerto Rico"
Revision as of 17:43, 26 March 2008
Puerto Rico [1] is a Caribbean island that is a self governing commonwealth of the United States of America. Located in the Caribbean Sea to the east of the Dominican Republic and west of the U.S. Virgin Islands, Puerto Rico lies on a key shipping lane to the Panama Canal, the Mona Passage.
Other destinations
Christopher Columbus discovered the island of Puerto Rico in 1493 on his second voyage west, and originally named it San Juan Batista in honor of Saint John the Baptist. The name of the island's present day capital, San Juan, honors the name Columbus first gave the island.
Puerto Rico has a tropical marine climate, which is mild and has little seasonal temperature variation. Temperatures range from 70˚F to 90˚F (21˚C to 32˚C), and tend to be lower at night and up in the mountains. The average annual temperature is 26°C (80°F). Hurricane season spans between June and November, where rain showers occur once a day, almost every day. Periodic droughts sometimes affect the island.
Puerto Rico is mostly mountainous, although there is a coastal plain belt in the north. The mountains precipitous to the sea on the west coast. There are sandy beaches along most of the coast. There are many small rivers about the island and the high central mountains ensure the land is well watered, although the south coast is relatively dry. The coastal plain belt in the north is fertile. Puerto Rico's highest point is at Cerro de Punta, which is 1,338 m above sea level.
Get in
Since Puerto Rico is a US territory, US citizens do not need a passport to travel to Puerto Rico, from the US or vice versa. A driver's license should suffice.
By plane
Puerto Rico's main airport is Luis Muñoz Marín International Airport (IATA: SJU) in San Juan. Jet Blue, Continental and Delta Connection also fly to smaller airports in the cities of Aguadilla and Ponce.
As Puerto Rico is part of the US commonwealth, U.S. Immigration and Customs Laws and Regulations apply, however, U.S. citizens flying back to the U.S. mainland from Puerto Rico will not have to pass through Customs before boarding their flight. Travel [2] between the mainland and San Juan, Ponce and Aguadilla is the same as if it were between two mainland cities.
Most U.S. and many international airlines offer direct flights from many cities to Puerto Rico. Flights are economical and numerous. SJU is the biggest and most modern airport in the Caribbean and offers all the conveniences and services (McDonalds, Dominos, Starbucks, etc.) of a major city airport. American Eagle operates a hub at SJU and airlines like Caribbean Sun, Liat and Cape Air offer cheap and easy connections to most Caribbean islands.
If you have lots of luggage, beware there are no baggage carts in the domestic terminal, although there are plenty of baggage porters available to help you for a tip or fee. Luggage Carts are available in the international terminal of the airport. At the exit, a porter will assist you with your luggage for a fee.
Transferring from the airport to your hotel usually requires taking a taxi, although some hotels provide complimentary transportation to their properties in special buses. Puerto Rico Tourism Company representatives at the airport will assist you in finding the right transportation. All major car rental agencies are located at the airport, and others offer free transportation to their off-airport sites.
Typical flight times (outbound flights are slightly longer due to headwinds):
On your way back out of Puerto Rico, note that you'll be required to pass all your check-in bags through a US Dept of Agriculture inspection before checking in. Many agricultural products, including most fruits and vegetables, are in fact permitted [3], but will be checked for disease. Cruise ship passengers with ship luggage tags are exempted.
By boat
A commercial ferry service connects the west coast city of Mayaguez and Santo Domingo in the Dominican Republic. This service is very popular and convenient way to travel between both cities. There is also a ferry from the city of Fajardo to St. Thomas, USVI. Also, more than a million passengers visit the island on cruise ships every year, whether on one of the many cruise lines whose homeport is San Juan, or on one of the visiting lines. No passport is required for U.S. citizens who use this service.
Get around
Public transportation in Puerto Rico is fairly bad: outside San Juan, there are no scheduled buses or trains. Most travelers choose to rent their own cars, but intrepid budget travelers can also explore the shared cab (público) system.
By taxi
Think of taxis as a traveler tax. The minimum fare is $12.00 which does not include tip. If you think your hotel is going to pick you up with a shuttle bus from the airport, think again. The taxi drivers are unionized and hotels are not allowed to offer competing service. The fare from Isla Verde to Old San Juan, a 10 minute drive, costs $19 without tip as it crosses two "taxi zones."
By car
If you are planning to explore outside of San Juan, renting a car is by far the most convenient way to get around. Rentals are available from the airport as well as larger hotels. Rental cars can be had for as little as $28 a day.
Parking in the Old Town of San Juan is virtually non-existent (there is a public parking lot called "La Puntilla" which on weekends you only pay a fixed rate for the whole day, and it always has parkings available) and traffic in all major cities is bad during rush hour (8-10am, 4-6pm), so give yourself plenty of time coming and going.
Road signs are Spanish language versions of their U.S. counterparts, so you shouldn't have trouble figuring them out. However, note that distances are in kilometers, while speed limits are in miles. Gas is also sold by the liter, not by the gallon, but prices are roughly equivalent to the continental US.
In additional to the regular free highway (carretera) network, there are three toll roads (autopista) on Puerto Rico. They're much faster and less congested than the highways, and it's worth using them if in any kind of hurry. Tolls for a 2-axle car range from $0.50 and $1.50. The lanes on the left are reserved for people with RFID (Autoexpreso) toll passes, which you probably won't have on your rental car. If you need change, head for the lanes marked with a "C", usually the furthest to the right.
Off the main highways, roads in Puerto Rico quickly become narrow, twisty and turny, especially up in the mountains. Roads that are only one-and-a-half lanes wide are common, so do like the locals do and beep before driving into blind curves. Signage is often minimal, although intersections do almost always show the road numbers, so a detailed highway map will come in handy.
Police cars are easy to spot, as by local regulation, they must keep their blue light bar continuously illuminated any time they are in motion. Avoid getting a speeding ticket: fines start at $50 + $5 for each mile above the speed limit.
By público
A público is a shared taxi service and is much cheaper than taking a taxi around the island, and depending on your travel aspirations, might be cheaper than renting a car. Públicos can be identified by their yellow license plates with the word "PUBLICO" written on top of the license plate. The "main" público station is in Río Piedras, a suburb of San Juan. They're also known as colectivos and pisicorres.
There are two ways of getting on a público. The easier way is to call the local público stand the day before and ask them to pick you up at an agreed time. (Your hotel or guesthouse can probably arrange this, and unlike you, they probably know which of the multitude of companies is going your way.) This is convenient, but it'll cost a few bucks extra and you'll be in for a wait as the car collects all the other departing passengers. The cheaper way is to just show up at the público terminal (or, in smaller towns, the town square) as early as you can (6-7 AM is normal) and wait for others to show up; as soon as enough have collected, which may take minutes or hours, you're off. Públicos taper off in the afternoon and stop running entirely before dark.
Públicos can make frequent stops to pick up or drop of passengers and may take a while to get to their destination terminal, but you can also request to be dropped off elsewhere if it's along the way or you pay a little extra. Prices vary depending on the size of the público and the distance being traveled. As an example, a small público that can seat three or four passengers from Ponce to San Juan will cost roughly $15, while a 15 passenger público that is traveling between San Juan and Fajardo will cost about $5 each person.
By ferry
Ferries depart from San Juan and Fajardo & the most popular arrivals are Cataño, Vieques Island & Culebra Island.Ferry Schedules
Whether you're dreaming about spectacular surfing waves, a challenging golf course, or the perfect sunbathing beach, Puerto Rico offers the active traveler a tremendous array of opportunities. Surfing and golf compete with tennis, fishing, kayaking, scuba diving, and horseback riding, not to mention windsurfing and parasailing, for your active time. The island has over 15 championship golf courses a short drive away from the San Juan metropolitan area.
Learn about the different character of Puerto Rico's favorite beaches, or find out where to participate in your favorite sports. The hardest part will be choosing what to do first.
Blue Flag in Puerto Rico
The Blue Flag Program, initiated in Europe since 1987 has been modified for implementation in the Caribbean. It is voluntary program and it has proven along the years to be a very effective strategy to guarantee the best quality in beach services for bathers in different parts of the world.
Scuba dive
... Puerto Rico's Caribbean coasts. Spectacular wall diving offshore Guánica, or the cayos of the Spanish Virgin Islands of Culebra & Vieques. PADI 5 star Instruction.
El Yunque
El Yunque, Puerto Rico's rain forest is a must see. It spreads out over a mountain, so if you walk uphill from the road you're in a cool rain forest. At any altitude you'll see numerous varieties of plant and animal life. If you're lucky you can catch a glimpse of the endangered Puerto Rican parrot & hear the song of the local Coqui tree frog. There are tons of hiking trails and the Yokahu tower is a great spot to see the forest from above. There are also two trails that lead you straight down to La Mina waterfalls. You can swim at the bottom of the falls in the cold refreshing water.
There are short hiking trails and long hiking trails and they do overlap. Pay close attention to the signs to ensure that you do not bite off more than you can chew.
Since it is a RAIN forest, expect it to rain daily and frequently. This means you may wish to leave your expensive Louis Vuitton hand-bag at the hotel.
Out Door Adventures
There is plenty to do outside the metropolitan areas. Many small family owned tour companies provide guided tours of the Central Mountains in Utuado near Río Tanama, Repelling in Arecibo, kayak tours of Lake Guajataka, and horse back riding on the beach in Aguadilla. Some of the tour operators also provide low cost or free lodging. Let's Go Puerto Rico has listed a few of these outfitters or you can simply do an internet search with the name of the area you would like to visit to find things to do. The individual towns also have yearly festivals listed in the tourism guides available at both major airports.
Bioluminescent Bays
The bioluminescent bays near Fajardo and in Vieques are a soul-healing experience that should not be missed. The microscopic organisms that live in every drop of water in these bays will glow when they dart away from movement. Take a kayak or boat tour during a new moon for the best results; they're hard to see during a full moon and impossible to see in sunlight.
Both Spanish and English are the official languages of Puerto Rico, but Spanish is without a doubt the dominant language. Fewer than 20 percent of Puerto Ricans speak English fluently, according to the 1990 U.S. Census. Spanish is the mother tongue of all native Puerto Ricans, and any traffic signs and such are written exclusively in Spanish. However, people working in tourism-related businesses are usually fluent in English, usually locals in less touristed areas of the island can usually manage basic English, as it's taught as a foreign language in school. Menus in restaurants, even off the beaten track, are almost invariably bilingual.
That said, as anywhere, it's respectful to try make an effort and try to learn at least the basics. If you're already familiar with the language, beware that Puerto Rican Spanish speakers have a very distinct accent, and is often spoken at a relatively faster speed than Central American or Mexican Spanish. It is also full of local jargon and slang unfamiliar to many outside the island.
Aside from indigenous design and art, which in some instances are world class, there are very few unique things one can buy in Puerto Rico. There are dozens of art galleries spread around the city, a few high fashion design boutiques in F.D. Roosevelt Avenue and a stunning studio furniture showroom, DMR Designs, in Old San Juan. {{
On the other hand, Puerto Rico is full of modern shopping malls and outlet centers. The most notable of which, Plaza las Americas, is currently the largest such shopping mall in the Caribbean and offers a wide array of stores, eating facilities and a multi screen movie theater. Most major U.S. mainland and European mass retailers are located in the mall.
The Condado section of San Juan is home to fine designer stores such as Cartier, Gucci, Ferragamo, Mont Blanc and Dior.
You might want to check out the Belz Factory Outlets and the Prime Outlets of Puerto Rico. They house stores like Polo, Hilfinger, Banana Republic, Puma, Gap, PacSun, etc.
Most of the large cities on the island have a large regional mall with very familiar international stores.
There are plenty of ATM around the commonwealth. Most are linked to the Cirrus, Plus, American Express and Discover networks.
If you're looking for local crafts of all sorts, and want to pay less than in Old San Juan while getting to know the island, try going to town festivals. Artisans from around the island come to these festivals to sell their wares: from typical foods, candies, coffee and tobacco to clothing, accessories, paintings and home décor. Some of these festivals are better than others, though: be sure to ask for recommendations. One of the most popular (yet remote) festivals is the "Festival de las Chinas" or Orange Festival in Las Marías.
Duty free
One of the interesting facts about Puerto Rico that might not be emphasized enough in travel guidebooks is that since Puerto Rico is self governing due to its Commonwealth status, there are no federal taxes or import duties paid on on commodities like gasoline (about $0.75/liter for 87 octane in San Juan, as of May 2007) or rum.
This might be an important consideration when planning how much empty luggage to bring (allowance for U.S. customs is 5 liters per person), as a 750 ml bottle of Johnny Walker Blue Label costs only $120 in the duty-free airport shop vs. $200+ on the mainland. Bacardi liquor brands are very inexpensive as well -- paying $8.00 for a 750 ml bottle of Bombay Sapphire gin can be something of a shock, after paying $9.00 for a single 4 oz martini of the same booze at La Guardia only 4 hours earlier.
Puerto Rico is a drive-through buffet. All you need is a car, an appetite (the bigger the better), time, and the realization that your swimsuit won't fit as well when you get to your destination. The island has the most diverse culinary offerings in the entire Caribbean. There's something for everyone. You can enjoy the finest Puerto Rican food at most traditional town squares and also (for those of you who get homesick) have a steak at a place like Morton's.
Authentic Puerto Rican food (comida criolla) can be summed up in two words: plantains and pork, usually served up with rice and beans (arroz y habichuelas). It is rarely if ever spicy, and to many visitors' surprise has very little in common with Mexican cooking.
Plantains (plátanos) are essentially savory bananas and the primary source of starch back in the bad old days, although you will occasionally also encounter cassava (yuca) and other tropical tubers. Served with nearly every meal, incarnations include:
The main meat eaten on Puerto Rico is pork (cerdo), with chicken a close second and beef and mutton way down the list. Seafood, surprisingly, is only a minor part of the traditional repertoire: the deep waters around Puerto Rico are poorly suited to fishing, and most of the seafood served in restaurants for tourists is in fact imported. Still, fresh local fish can be found in restaurants across the east and west coast of the island, especially in Nagüabo or Cabo Rojo respectively.
A few other puertorriqueño classics include:
Places to eat
Meals in sit-down restaurants tend to be fairly pricy and most touristy restaurants will happily charge $10-30 for mains. Restaurants geared for locals may not appear much cheaper, but the quality (and quantity) of food is usually considerably better. It's not uncommon for restaurants to charge tourists more than locals, so bring along a local friend if you can! Note that many, restaurants are closed on Mondays and Tuesday.
If you want to eat like a local, look for places that are out of the way. There is a roadside food stand or 10 at every corner when you get out of the cities. Deep-fried foods are the most common, but they serve everything from octopus salad to rum in a coconut. You might want to think twice and consult your stomach before choosing some items - but do be willing to try new things. Most of the roadside stand food is fantastic, and if you're not hung up with the need for a table, you might have dinner on a beach, chomping on all sorts of seafood fritters at $1 a pop, drinking rum from a coconut. At the end of dinner, you can see all the stars. In the southwest of the island, in Boqueron, you might find fresh oysters and clams for sale at 25 cents a piece.
If you are really lucky, you might get invited to a pork roast. It's not just food - it's a whole day - and it's cultural. Folks singing, drinking, hanging out telling stories, and checking to see if the pig is ready, and staying on topic, you'll find the pig likely paired with arroz con gandules.
With all these choices - roadside stands, local hangouts that you just might find - things that you've never seen before - do yourself a favor and never eat from the commercial fast food restaurant except maybe, the fried chicken restaurants, which just do it differently in PR.
Finally, there are some wonderful restaurants, and like everywhere, the best are found mostly near the metropolitan areas. Old San Juan is probably your best bet for a 4-star meal in a 4-star restaurant. However if your experimental nature wanes, there are lots of "Americanized" opportunities in and around San Juan. Good luck, keep your eyes open for the next roadside stand, and make sure to take advantage of all the sports to counteract the moving buffet.
Dietary restrictions
Strict vegetarians will have a tough time in Puerto Rico, although the larger towns have restaurants that can cater to their tastes. Traditionally almost all Puerto Rican food is prepared with lard, and while this has been largely supplanted by cheaper corn oil, mofongo is still commonly made using lard, bacon or both.
Unlike most U.S. territories and states Puerto Rico's drinking age is 18. That coupled with the fact that the U.S. will no longer require all U.S. residents to have a passport before being permitted to leave and re-enter the U.S. means Puerto Rico is becoming increasingly popular during spring break.
Beer and hard liquor is available at almost every grocery store, convenience store, panadería (bakery) and meat shop.
Puerto Rico is obviously famous for its rum and rum drinks, and is the birthplace of the world renowned Piña Colada. Several rums are made in Puerto Rico, including Bacardi and Don Q. Although not as common in the U.S., the national rum of choice in Puerto Rico is Don Q.
Most stores stock a locally-produced beer called Medalla Light that can be purchased for $1-$2 each. Medalla Light is only sold in Puerto Rico, and is first in the Puerto Rican market share. Other beer options for the discriminating drinker include Presidente, a light pilsner beer from nearby Dominican Republic (note: it's a different brew from the Dominican version), and Beck's. Beck's imported to Puerto Rico and the rest of the Caribbean is a different brew from the one that makes it to the U.S., and is considered by many to be better. Other beers which have popularity on the island are Budweiser, Bud Light, Heineken, Corona and Coors Light, which happen to be one of the prime international markets. Many other imported beers are also available, but usually at a higher price.
Most of the beers sold vary from 10 to 12 ounce bottles or cans. The portions are small (compared to the Mainland) in order to be consumed before the beer has time to warm up. Tap water is treated and is officially safe to drink.
International chains such as Sheraton, Westin, Marriott, Hilton, Ritz-Carlton, Holiday Inn as well as some luxurious independent resorts offer very reliable accommodations. There is a boom underway in boutique hotel construction which promise a higher level of service and Miami-chic appeal. Most large cities have at least one international chain hotel.
There are also many fully furnished apartments you can rent by the day, week and month, specially in Old San Juan. These are usually inexpensive, clean and comfortable and owned by trustworthy people. They are located mostly in the residential area, which is safe (day and night), and within walking distance to everything from museums to nightlife.
See the San Juan section for contact numbers for hotels and short-term rental apartments.
Most universities in Puerto Rico are accredited by US authorities and they offer quality educational programs. Its very easy to find Spanish courses as well as learn to dance salsa. Puerto Rico has 3 ABA-accredited law schools which are very competitive. The University of Puerto Rico Law School is very friendly towards international students and is a great option for foreigners looking for a quality, cheap education (subsidized by the government)that is less than 10 minutes from a beach!
Also the island has major medical teaching centers which are internationally acclaimed such as the University of Puerto Rico Center for Medical Sciences and the Ponce School of Medicine.
There is a small international workforce on the island. In general, it's possible to find a nice job on the island doing various things. The island is full of international businesses which look for skilled labor all the time. Tourism is obviously a big industry for Puerto Rico. Also, the majority of pharmaceutical companies can be found in PR & the island plays a very important part in pharmaceutical manufacturing for the US & other places in the world.
Stay safe
If you look at the statistics, it's clear that Puerto Rico has a crime problem. As of 2002 the island's murder rate was twice that of New York City (but less than Washington DC).
Nearly all crime is concentrated in the big metropolitan cities of San Juan and Ponce, and most of it is connected to the drug trade. However, the tourist areas of both cities are heavily patrolled by police, and violent crime directed against tourists is very rare. The main problem is theft: don't leave your belongings unattended on the beach. Car theft is also an issue, so take care where you leave your car and don't leave valuables inside.
Make sure to stay away from public housing complexes known as caseríos, which are numerous and widespread throughout the island, and avoid shanty slums as well (La Perla in San Juan). These are frequently the location of drug dealers and other illegal activity as well as violent crime. If you must venture into such a location, avoid doing so at night and do not take pictures or film the locals without permission. Avoid drawing a lot of attention to yourself and be polite at all times.
The crime rate outside the metropolitan areas are much lower. Cities like Arecibo, Aguadilla, Dorado and Mayaguez are generally very safe.
Stay healthy
Fresh water lakes and streams in metropolitan areas are often polluted so avoid going in for a dip. You can, however, find freshwater streams and ponds in the rain forest that are safe to swim in. Generally, if you see Puerto Ricans swimming in it then you are probably okay, especially high in the rain forest. Puerto Rico is a tropical island but is free of most diseases that plague many other tropical countries of the Caribbean and the world. Tap water is officially safe to drink, but having bottled water on hand is always a plus.
Medical facilities are easily available all around the Island, and there are many trained physicians and specialists in many medical fields. There are a number of government as well as private hospitals. Health services are fairly expensive. Keep in mind that a visit to the doctor may not be as prompt as one is used to, and it is common to have to wait quite some time to be seen.
Visitors should expect a high level of quality in their medical service - it is comparable to the U.S. mainland. Drug stores are plentiful and very well stocked. Walgreens and El Amal are the biggest and most popular chains, although Walmart, K-Mart, and Costco offer medicines, as do numerous smaller local chains.
Politeness and a simple smile will get you far. Many locals are willing to help tourists provided no arrogance is shown. When greeting a member of the opposite sex, or when greeting female to female, it is very common to customarily kiss on one cheek. This is never done male to male (except sometimes between relatives). Puerto Rican society is in general very social, and you will commonly see neighbors out at night chatting or gossiping with each other. It may be wise in some cases to avoid discussing the island's politics, especially with regards to its political status with the United States. Arguments are often very passionate and can lead to heated debates. In the same manner it may be wise to neither discuss the political parties, as Puerto Ricans can be very passionate about the party they affiliate with. Puerto Rico has 3 political parties, marked (amongst other things) by different stances towards the relation to the United States: PNP (statehood), PPD (commonwealth) and PIP (independence). PNP and PPD share the majority of the voters, whilst PIP has a relatively small rating. It is common for attractive women to have cat calls, whistles and loud compliments directed at them. These are usually harmless and it is best to just ignore them.
Cell phones
Puerto Rico has a very advanced communications network. Major American carriers Att, Sprint, Verizon, SunCom and Centennial have networks on the island. European carrier Movistar is also involved in a local wireless joint venture. Cell-phone coverage is very good.
The island also has widely available broadband internet access. High speed public wireless internet service in public areas (coffee shops, restaurants, hotels and malls) finally is also growing and free in most places. Look for Blue Zones or for DMAX hotspots.


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SIU Law offers new, unique course on Foreign Corrupt Practices Act
August 17, 2013
Assistant Professor Mike Koehler, founder and editor of the website FCPA Professor, and Southern Illinois University School of Law are pleased to announce that Professor Koehler will be offering a Foreign Corrupt Practices Act ("FCPA") course at SIU during the Fall 2013 semester.
Read Chicago Daily Law Bulletin article
The course is believed to be one of the first specific FCPA law school classes offered that is exclusively devoted to the FCPA, FCPA enforcement, and FCPA compliance.
Professor Koehler notes, "understanding the FCPA's new era is a fundamental skill-set for lawyers and other professionals navigating the global marketplace. Simply put, the FCPA needs to be part of future lawyers' professional vocabulary and skill-set."
The FCPA has emerged as a top legal and compliance concern for business organizations – both public and private and across a variety of industry sectors – doing business in the global marketplace.
The course, developed by Professor Koehler and using his forthcoming book "The Foreign Corrupt Practices Act in a New Era" (Edward Elgar Publishing forthcoming 2014), is an in-depth study of the FCPA, its enforcement, and related issues. Students will dissect the FCPA's new era and in doing so will confront the FCPA statutory text, legislative history, judicial decisions, enforcement agency guidance, and resolved FCPA enforcement actions.
"We are very excited that Professor Koehler has designed this new course on the FCPA. His expertise on the Act is recognized nationally and internationally, so this is a great way to make sure that our students benefit from his knowledge and experience," said Dean Cynthia Fountaine. "The course is also consistent with SIU Law's commitment to skills-based learning, and it complements two of our new specialization programs: International and Comparative Law; and Business and Transactional Law," she added.
The students' skills will be developed through the following learning objectives for the course:
(i) understanding the events and policy reasons that motivated Congress to enact the FCPA;
(ii) developing a comprehensive understanding of the FCPA's anti-bribery provisions and books and records and internal controls provisions;
(iii) analyzing legal, ethical and policy issues associated with FCPA enforcement;
(iv) understanding the FCPA's long tentacles and how actual FCPA enforcement actions brought by the DOJ and/or SEC are often just one consequence of FCPA scrutiny;
(v) gaining practical FCPA compliance skills including the ability to conduct an FCPA risk assessment and develop FCPA compliance policies; and
(vi) analyzing whether the FCPA and FCPA enforcement policies are best achieving the objectives of the FCPA or whether FCPA reform is warranted.
While the course is about a specific statute and its enforcement, learning objectives for this course also include understanding:
(i) other general legal principles such as corporate criminal liability and the hierarchy of legal authority and other sources of information;
(ii) how business organizations operate in the global marketplace and the realities of the global marketplace; and
(iii) Department of Justice and SEC enforcement policies and resolution vehicles.
Koehler can be reached at email@example.com


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White Diamond Double Eternity Band
2.75-3.15mm (width of band), 1.35-1.70mm (thickness)
Approx. 0.38 total carat weight white diamond (VS, G~H color)
18K Gold - from $2665
Platinum - from $3190
(price varies depending on size and material)
In stock:
18K Yellow Gold - size 6.25
18K White Gold - size 6
18K Rose Gold - size 6
Platinum - size 6
Out-of-stock size will be special order (final sale)
Unless we have the color/size you need in stock, this will be specially made for you. Please allow for a 5 week lead time.
This ring cannot be resized.


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My first involvement with Ludlow was through my legal representatives DRN Law, Burnley who had created a partnership with Ludlow to provide Financial Services on behalf of their clients. My father had died in 2010 and I was anxious to make the most of his bequests to myself, my daughter and my grandchildren. I was particularly worried about creating a trust for the grandchildren as there seemed to be little or no ready advice and guidance out there in the real world.
My first meeting with Ludlow was with Steven Bayes at DRN's offices in Burnley and I think we very quickly struck up a workable relationship. We concentrated firstly on the £100,000 trust legacy for the children and Steve eventually recommended an offshore investment bond; this being a self -maintaining investment fund via multi-manager portfolios. This would be a non-income producing vehicle for HMRC purposes and would roll on until each child reached the age of 25 years.
This was subsequently set up and has so far produced a very satisfactory situation where we are now seeing a yield of 50% on the initial investment as at the end of 2016.
Early in 2013, we turned our attention to the investments I had made on behalf of myself and my wife resulting from my father's legacy. After several discussions with Steve during which his objectives were to understand more about our objectives and goals and our attitude to the risk involved in investing our money. These sessions enabled him to recommend a strategy which would be more cost effective to us in terms of fund management charges and so I was happy to agree that we transfer the servicing of our portfolio to DRN/Ludlow and to switch our fund of funds investments to a better manager of managers fund. I also agreed to transfer other of our stocks and shares ISAs onto the new platform in order to realise further benefits from reduced platform charges.
Throughout all these discussions tax efficiency was a priority and as we currently stand all of our long-term investments are residing under an ISA umbrella and I am very happy with the performance of my chosen funds as I am more than happy with the advice and guidance given by DRN/Ludlow.
Steve and I meet formally at least twice a year to monitor performance of both the trust and our personal portfolios and discuss any changes in circumstances and investment strategy. Such meetings are held at a venue convenient to me and are fully minuted and made available to me. Long may it continue.


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I love a little bit of flashy colour in the Autumn/Winter time. I've said before – why wear dark and moody colours during a time when we rarely get any sunshine? Why not cheer ourselves up with some colour splash? Any bright or bold colour against grey just pops.
So does that true red of these killer heels from Bon Prix and that brick red of the knitted sleeves biker jacket from Fashion Union. It just makes it pop. I loved teaming those two against my new grey disco pants and my old bat-wing 'Tainted Love' shirt that I got ages ago from H&M.
I have to say, I'm not 100% impressed by these shoes by Bon Prix. I know, it's harsh to say that, but I always wanna be honest with you. The faux suede fabric is already peeling off the heel and I've only worn these boots twice. For £40 I would've expected a bit more quality. Let's just hope it's not the same quality problems with the beautiful party dress I'm giving away that's sponsored by Bon Prix!
Speaking of giveaways – I'm extending all of blog's 2nd bday giveaways for another week – so till the 13th. I will need every winner's address by 17th though, because that's the last day I'm going to be in the UK for almost a month!
Current Song: John Mayer – Free Fallin' (Acoustic)
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Mt. Chestnut Nazarene Retreat Center
Welcome to the Mt. Chestnut Retreat Center. Whether you are planning a business retreat, client networking weekend, church board retreat, teen camp, or children's camping weekend, we exist to serve you. We also have facilities for family reunions, wedding receptions, and corporate training.
If you are looking for a place to have your church or ministry banquet, our experienced chef is waiting to serve you. Our rural and peaceful setting is perfect for a pastoral retreat. And our spacious camping areas provide an excellent stopping point for weary travelers looking for a Christian-friendly environment.
We believe you will find our facilities and staff to be excellent. Our pricing is very competitive and seeks to provide the highest quality of service at the most reasonable cost.
Please contact us at:
Mt. Chestnut Retreat Center
177 North Road
Butler, PA 16001
Phone: 724-287-5867
Fax: 724-285-1210
If you place your cursor over the Mt. Chestnut Retreat Center menu item, other choices will appear. You can view photos and contact information for our Center Administrator, Colleen Baker, information concerning our retreat facility, updates and news.
You can also read a report on some of the more recent developments at the Center and a first-person account about life at Nazarene Village, our retirement community.
God bless you,
Colleen Baker, Center Administrator
© 2020 Mt. Chestnut Nazarene Retreat Center – A Ministry Of Pittsburgh District Church Of The Nazarene |177 North Road | Butler, PA 16001 | Phone: 724.287.5867 | Fax: 724.256.5610 | Email Contact